davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 



1. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX {$5800.00} XXXX  XXXX XXXX {$3800.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$830.00} XXXX & XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX & XXXX XXXX XXXX XXXX {$51.00} XXXX  XXXX  XXXX XXXX XXXX {$310000.00}. 

Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2023-03-14
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

I was scammed out of {$90000.00}. This happened between the period of XX/XX/XXXX - XX/XX/2022. I paid for a product ( two trucks ) and did not receive the product. The fraud department at my bank ( Wells Fargo ) is refusing to reimburse me my money that I was scammed out of after several attempts at providing them with the proof ( receipts, emails, text msgs, the arrest document, recorded phone calls etc ) and information that they needed to resolve this issue.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CT)

says that I am late on the dates below though I am sure that I pay on time always with my bills ... though I think there are times that I have not because the bill did not get to me on time or I simply did not received it. Please help me resolve this XXXX XX/XX/XXXX-XX/XX/2020
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERFIRST MORTGAGE COMPANY (OH)

I was working with Interfirst Mortgage company to refinance my residential property. I had signed agreement to using them and the loan began underwriting. On report, they declared that I had a history of foreclosure on a house that I NEVER owned or payed rent to. Additionally they said that my current lender had not reported my payments on my loan. I followed the requests to get these erroneous accusations resolved. They received a letter from my current lender to declare that I was NOT in forbearance and they received a copy of my payment history dating back to 2018. They informed me they were satisfied with my documentation and supporting information. However, after about about 2 weeks with no contact from them I emailed them requesting an update. They informed me that my loan was denied on the pretense that I " was in forbearance in the last 12 months ''. In our phone conversation they had even said to be, " you have obviously been making your payments ''. " You have auto-payment, a XXXX dollar balance, and no missed payments. '' Despite doing everything they requested of me, they denied my loan unexpectedly and without any notification. No email, text, phone call or letter. I have tried to contact them and ask how we can correct this wrongdoing but they have stopped reply. I am a typical citizen and I have excellent financial credibility. I have never missed a payment on anything and despite misinformation about my finances, Interfirst Bank refused to assist me in reasons they said themselves are bogus and false. Now I am back to restart the process to find a lender that will work with the customer to do the right thing and to resolve errors and issues. Interfirst took the cheap way out and left me stranded.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Contacted Experian directly and through their dispute process. Provided proof that account was paid in full. They have not updated or removed the incorrect information showing collection. This is negatively impacting my credit. Why does experian not have any liability in posting incorrect information? They require the consumer to jump through multiple steps again and agin, but will complete an investigation in less than 24hrs. There is NO way they could receive anything from a creditor, review it and/or compare it to the information provided by the consumer. 
Creditor - XXXX XXXX, XXXX XXXX 2019. They show payment was made but the amount is incorrect. It was paid off.Also, its posted 2x ( same account # ) on my credit report with different amounts which even furthers my claim that its incorrect.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (IN)

I believe this collection account should be removed for the following reasons : I never sign a contract with the following company I requested a debt validation and never received an answer I have already attempted to resolve this matter directly with the creditor/collection agency, but I have not received a satisfactory resolution. Therefore, I respectfully request that the CFPB investigate this issue and facilitate the removal of the collection account from my credit report. 

Please let me know if you require any additional information or documentation to assist with this matter. 
Thank you for your attention to this issue. I look forward to your prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

DATES OF CERTIFIED MAIL SENT TO TRANSUNION AND XXXXXXXX XXXX REQUESTING VALIDATING AND VERIFYING INFORMATION XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I HAVE NOT RECEIVED ANY OF THE REQUESTED INFORMATION VERIFYING OR VALIDATING THE ACCOUNTS THAT ARE DAMAGING MY CREDIT REPORT. THERE ARE SEVERAL INACCURICIES LISTED IN THE INFORMATION BEING REPORTED BUT IT IS REPORTING TO MY CREDIT REPORT AND IT IS NEGATIVE. THIS NEEDS TO BE HANDLED URGENTLY AND REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my third time requesting your company to BLOCK the information on my credit file that I have identified as identity theft. The law requires any consumer reporting agency to block information in the file of a consumer that the consumer identifies as identity theft, no later than four days of the receipt of an identity theft report, identification of the information, a statement that the information is not related to any transaction completed by me and appropriate proof of identity. I have provided all of the above mentioned documents and your company is not complying with federal regulations. You are requested to BLOCK the information in my report within 4 days of this notice. My request to block is not being made in error, nor is my request to block made on the basis of material misrepresentation of fact by me relevant to my request to block. I have not received or obtained any services, goods, or money from the companies identified in my FTC report. I received a response from your company to my last request for you to block this information. Your company states that I previously asked you to DISPUTE this information that I have identified as identity theft. I AM NOT ASK YOU TO DISPUTE ANYTHING. I AM NOT ASKING FOR VERIFICATION, I AM REQUESTING A BLOCK OF INFORMATION THAT IS A RESULT OF IDENTITY THEFT. IF SOMEONE ASKED YOU TO DISPUTE ANYTHING IN THE PAST, IT WAS NOT ME. I AM REQUESTING A BLOCK OF THE INFORMATION PURSUANT TO 15 USC 1681c-2. I will be filing a complaint with the XXXX, Attorney General and seeking litigation if my request is not taken seriously. Please see attached supporting documents.
Consumer complaint received 2023-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX is a third party company reporting on my credit report this is break the law a third party company cant report on my credit report only the original creditor can Dear I am writing in response to your letter dated. ( copy enclosed ) because I do not belleve I owe what you say I owe. This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt; * ( 2 ) the name of the creditor to whom the debt is owed : * ( 3 ) Provide a verification or copy of any judgement ( if applicable ); * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act $ 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
Consumer complaint received 2019-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (CA)

This is an addendum and correction to complaint number XXXX. I made a mistake when I stated on XX/XX/XXXX at XXXX XXXX  Pacific time I received a phone call from XXXX XXXX ( see attachment 10 ). I meant to say on XX/XX/XXXX t XXXX XXXX Pacific time I received a phone call from XXXX XXXX ( see attachment 10 ). 

We spoke for 8 minutes and 37 seconds. She never mentioned an additional amount due, sated in the letter on XX/XX/XXXX ( attachment 9 ). She said that underwriting had received all of the documents and everything was fine. 

Please note ( attachment 11 the XXXX envelope and the tracking number information shows that the letter dated XX/XX/XXXX attachment 9 was sent the next day on XX/XX/XXXX after I spoke with XXXX XXXX see attachment 10 for 8 minutes and 37 seconds. I understand that the calls are recorded. I would like a copy of that conversation. 

XXXX XXXX is the person on most of the documentation that I have received.
Consumer complaint received 2020-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK (NY)

There was a Fraudulent Account Checking Account Open With Discover Bank That was Used and Open Under My Name i Never Gave Permission to Discover Bank to Open any Cheeking Account With My Name and Discover is Refusing to Closed the Account and remove this account from their Site and for some reason i was a Victim Of Identity Theft and i have no Knowledge of this account and never gave them permission to open this account {$1400.00}
Consumer complaint received 2020-12-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

Hello, My problem is with Paypal, it's the only way my clients pay me for my illustrations and all my money is there. On the XXXX of XX/XX/2020 I received an email from Paypal saying that my account was limited, which mean I could not transfer my money from Paypal to my bank, neither my clients cold make me payments. They asked me to submit documents, didn't say what kind of documents. I submitted a copy of my tax number and I explained that I use the service to get payed for my illustrations. I also asked the reason why my account was limited. I submitted the document on the XXXX because I couldn't find on the website the tab to do it, as the link to the page was broken ( see screenshot ). I received an email from Paypal saying that they would review my case and I should expect an answer in up to 5 days. After 5 days, noticing that my account still limited, I made a complaint on their " help center ''. They asked me to wait up to 72h for their answer via email. Never happened. I sent other messages and on one of them the agent said that my case was escalated on the XXXX and they started to count from that date another 5 days that I suppose to wait. Meanwhile, my clients couldn't make me payments, I didn't have money to pay my rent and my electricity ... I sent an email to XXXX, that suppose to be the area of Paypal where you make complaints about Paypal, no answer ... I don't have any money on my bank account, all my money is blocked with Paypal and I don't know what else to do, please help me. Thank you, XXXX
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On Friday XX/XX/2021 my phone was either lost or stolen I'm not sure which one. On Saturday evening I had all kinds of unauthorized activities happening with my bank account and I bank with BOA. My other checkings account was hacked the previous month and I had to get another account. I had a charge through my business XXXX that was refunded. I had a {$400.00} XXXX payment that was unauthorized for a dog from some strange and unusual name. I have 3 dogs and my husband won't even let me look at another one. I also had a charge on there from Florida and I live in South Carolina. I tried to call the police and they stated I could not do a report because I was not for certain if the phone was actually stolen and it was a possibility that the phone could be retrieved later on if it was lost or misplaced. I have been doing a lot of reading about XXXX and fraudulent transactions and how there is no protection for consumers.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

From XXXX 2020, I filed a dispute with this credit bureaus about the inaccurately reported account : US BKPT CT XXXX XXXX. There are inconsistent reference numbers reporting on my credit report which is a violation of the FCRA. on XXXX  it says XXXX and on XXXX  and transunion it says XXXX. 
In over several months I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in these months. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. 
Thank you
Consumer complaint received 2020-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting the negative, unverified, and inaccurate information from my file. My first letter was signed and received by them on XXXX/XXXX/2020. The negative item remains a collection, however, I received no letter, let alone proof validity. I then mailed a second validation letter, ( per USPS, it was signed for on XX/XX/XXXX20 ), asking them to prove to me how this negative, erroneous information belonged to me. I received a response stating they've, " reviewed the dispute and will not review again. '' I have given well over 30 days to respond to the validity of this debt with no proof in sight. How is it possible for them to continue reporting CLEARLY Unverified, Invalidated, AND Inaccurate information to my credit report? 

I am requesting this negative and unverified collection be deleted immediately. Once a deletion letter has been drafted, i would like a copy mailed to each of the three major credit bureaus. I am also requesting a physical copy of this deletion letter to be mailed to me directly.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX or XXXX of this year 2020, I submitted a dispute letter to TransUnion, XXXX, and XXXX about inaccuracies being reported on my credit report. I included identification documents and a utility bill. I also included screenshots of the accounts and highlighted the inaccuracies being reported. I also requested copies of documents for each of the accounts including the Original Contract, Pay Off Disclosure, Interest Rate Disclosure, Balance History, Payment History, and Credit Insurance. On XX/XX/2020 i submitted a 30 Day Demand To Comply Letter. I am asking for the accounts to be deleted from my credit report completely immediately. I have not gotten a response from the company and it is past 30 days. Please help.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX, XXXX, XXXX ) on XX/XX/16 unfairly placed on my Transunion credit report a collection acct. and this company does not have license to operate in Georgia!! They bought this inaccurate, unvalidated, unverified and fraudulent collections acct. # XXXX from another company that also does not have license to operate in Georgia XXXX " XXXX XXXX XXXX '' .. This company entity does not exist and I have never done business with this company!! This acct # XXXX is not my acct..If anyone takes 5 minutes and searches GA.Secretary of State business search website site page, you will find neither one of these companies have license to operate a business in GA!! There was a company called " XXXX XXXX '' but that company lost their license to operate on XX/XX/16 because of financial fraud crimes and '' ironically '' not paying their bills with the state of GA., but they still illegally operated without a license on XX/XX/16 and with wreckless disregard they sold an inaccurate, unverified, and fraudulent collections acct. # XXXX to " XXXX XXXX XXXX '' who also didn't have GA. license to operate either!! Apparently they didn't investigate each other before they both broke the law 4 years ago and destroyed my credit and my life with a fraudulent {$10000.00} collection acct. # XXXX!!! and this fraudulent acct # XXXX is still on my Transunion credit report!! I have disputed this inaccurate fraudulent acct. with Transunion and showed them written proof but they have intentionally and maliciously refused to remove this painful, fraudulent, and inaccurate acct # XXXX off of my Transunion credit report.. Please help me ... Thank you in advance for your thoughtful consideration..
Consumer complaint received 2020-11-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2020, my Experian XXXX score reported that I currently have XXXX FICO score XXXX and XXXX FICO score XXXX. However, I applied to XXXX and XXXX XXXX due to my score that was displayed on the Experian website. I contacted both credit unions regarding my denial for the loan. The credit union stated that my score is showing a XXXX when my credit report if pulled.