davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-02
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. (FL)

On or about XX/XX/XXXX I filed a complaint with CFPB ( # XXXX ) against XXXX XXXX  concerning XX/XX/XXXX day late payment error on my credit report, on XX/XX/XXXX XXXX XXXX Responded to the complaint saying on XX/XX/XXXX they submitted a request to the Credit Bureaus to have this 30/60/90 day late payment error corrected to ( Paid in Full & Paid as Agreed ) on my credit report. Also XXXX XXXX emailed me a confirmation letter stating that they advised the credit bureaus to remove the 30/60/90 day late payment error from my report. So it would Reflect PAID IN FULL / PAID AS AGREED & PAID ON TIME, the Credit Bureaus refused to make these Corrections to my credit reports. So on XX/XX/XXXX I mailed copies and faxed proof of my ID to the Credit Bureaus and attached the response letter to CFPB from XXXX XXXX & the letter that was email to me by XXXX XXXX stating that they have reached out to the credit bureaus to remove & correct the 30/60/90 day late errors and to update my account. XXXX & Experian, XXXX refuses to make corrections after XXXX XXXX have requested for the 30/60/90 day late to be remove. I have been disputing this Error to the credit bureaus personally since XX/XX/XXXX concerning this Particular Account!
Consumer complaint received 2020-12-02
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. (NY)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2022-05-14
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: Experian Information Solutions Inc. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2021-08-27
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: Experian Information Solutions Inc. (NY)

XXXX Dear Sir or Madam, This is my FOURTH complaint to the CFPB and FIFTH attempt with Experian directly. I personally contacted Experian in writing four previous times with my signature authorizing them directly to resolve this issue. 

I have attached each of the for Proof of Delivery notices that show they signed for these letters, ( two in XX/XX/2021, one in XX/XX/2021, and one XX/XX/2021 ). 

In addition to sending these four letters, I called them three times total, including one call today. Each time I spoke to them on the phone, I tried to authorize them to proceed. They told me that they had not received my dispute letters that they obviously signed for, nor the complaints via CFPB.

Below are the CFPB complaints previously filed with the final status, all indicating the company needs my authorization to proceed. This is utter nonsense that they keep responding with this when I have made every attempt to authorize their finishing this investigation! 

As you can see, this dates to XXXX of this year, putting this far past the 30 days the law states ( 15 US Code1692g ), Experian has to resolve my dispute. This is causing me a lot of stress and this needs to be resolved! 

XXXX Authorization needed XXXX XXXX responded there is an unauthorized third party on XX/XX/2021 The company needs authorization from you to proceed with your complaint. 
We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. 

XXXX Authorization needed XXXX XXXX responded there is an unauthorized third party on XX/XX/2021 The company needs authorization from you to proceed with your complaint. 
We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. 

XXXX Authorization needed XXXX XXXX responded there is an unauthorized third party on XX/XX/2021 The company needs authorization from you to proceed with your complaint. 
We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed.
Consumer complaint received 2021-01-02
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. (TX)

Experian has failed to respond to my repeated attempts to remove a fraudulent account that was placed by XXXX XXXX. I have called numerous times, mailed, and disputed online and they still have not removed the account even though XXXX/XXXX confirmed it was fraudulent. Since I did not authorize these companies to obtain my credit report I demand that these unauthorized inquiries and XXXX account be removed immediately and my credit score be adjusted accordingly. I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2021-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (FL)

Hello, I currently have a mortgage with Navy Federal for $ XXXX. My mortgage is on a home built/purchased in XXXX. For the last two years, I have received a check back the following year, based on the overage paid into my escrow account. I have made several attempts/request to have Navy Federal complete an escrow analysis, because they are clearly collecting too much money from me each month. I currently pay {$470.00} per month in escrow, as a result of the {$470.00} escrow payment, my monthly mortgage payment is over {$1500.00}. Last year, I had to make my own home insurance payment ( the insurance company sent me a bill since Navy Federal did not make the payment ). My XXXX property taxes were yet again thousands of dollars less than what was charged/collected from me over the 12 month period - so I am now being sent a check for over {$2000.00}. As I've explained to the multiple CSRs I've spoken to and in the numerous emails I have sent in to the company - the unnecessary collection of funds is creating a hardship for me, as the Veteran consumer. I understand they aren't concern, because they are collecting the funds. However, I work hard to ensure I pay my bills and pay them on-time. It is extremely unfair that this corporation continues to charge me unnecessarily. The corporation is forcing me to have my assets tied up in an account which I prefer not to have. I've spoke to the property appraiser to understand why they claim to need to collect one amount for my taxes and my taxes are no where near that amount and the property appraiser had no explanation as to why Navy Federal would be collecting so much per month. I have tried to no avail to get Navy Federal to rectify the issue and each time I've been given no help. It seems as though no one is concerned and my issue is not their problem. I am in need of help and I am trying to be pro-active about the situation. I don't want to have to fall behind on my mortgage, just for someone to show concern and then look into fixing the problem. I know {$470.00} may not be much to some, but it would make a big difference for me.
Consumer complaint received 2021-08-05
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: EQUIFAX, INC. (OH)

I'v been disputing with the bureaus month after month. There are items on my credit file for which I do not have a confirmed contract and there is no verification process what so ever. I'm seeking relief of damages from bureaus as I am owed compensation at this point. Information on my credit file for which the law clearly states there needs to be contracts for via the Comprehensive Credit Act of XX/XX/XXXXsec 401, other parts of the FCRA, and other portions of the law will entitle me to damages for the defamation of character that has been caused. For XX/XX/XXXX, There is a collection account that should not be there, as it's not even mine. There are 3 of the same exact inquiries on there for XXXX XXXX as well which ought not be. For Equifax : There is 1 inquiry on there that I didn't even apply for ( XXXX XXXX XXXX ). No, this is illegal. Anything as well that's on my XXXX  file that also should not be there for which items are not verified also are to be removed. This includes collections, inquiries, and missed payments. XXXX  has been the most difficult to work with of all of the bureaus. I believe that their data breach is what really caused me the most issues with them. XXXX  is known for never verifying information as well. A closed collection account is not the same as having it removed which it should be removed. There should be no missed payments with them at all. Last I checked, XXXX  had collections on my file, inquiries and other late payments which are all wrong. I've already sent them verified/certified letters asking about this.

Specifically For XXXX  I've written them the following,,, XXXX/XXXX  - {$5100.00} Never made any late payments, paid in full 34potentially negative months Account Info Account numberXXXXXX/XX/XXXX XXXX - {$15000.00} Never made any late payments 3latepayments - not true Account Info Account numberXXXX XXXX/Dept. of ED - {$22000.00} Paid In Full, and On Time Account numberXXXX Collection : XXXX XXXX XXXX, Never Did Business With, Not my Debt Account numberXXXX {$5000.00}
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: First Technology Federal Credit Union (OR)

First Tech Choice World MC ; on XX/XX/XXXX i noticed ( 4 ) fraudulent charges on my XXXX XXXX XXXX from XXXX XXXX of {$99.00} {$99.00} {$120.00} & {$100.00}. I contacted First Tech MC dept of the fraud. About 4 days later 2 pages showed up from XXXX XXXX a watch and a scrabble game. I contacted First Tech and they advised me to return to a XXXX XXXX store, I did and was credited the {$120.00} and {$100.00}. 
However the ( 2 ) {$99.00} charges remained on my account. I contacted them, 3 times on the phone and my husband went into the branch ( during Covid ) to get some clarity why these fraudulent charges still appeared? They advised waiting for the XXXX paper statement and the charges would be credited. 
I rep 'd the XXXX statement and the charges were credited however, today, on XX/XX/2020 the charges still appear ( with no credit ) on my PC app and my mobile First Tech app????? 
I spent 54 minutes on a call, the XXXX, with them today and the rep put in a ticket as to maybe a file wasn't uploaded, blah, blah, blah ... ..she assures me I did receive a credit even tho it doesn't appear on my pc or mobile app and I'm not being charged interest on it. Why? because she said so? She said the balances are the same ... they can't be if one has 2 charges of {$99.00} credited and the other doesn't ... .it 's called MATH.
Consumer complaint received 2021-12-07
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. (VA)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

I have made several complaints about this company LVNV Funding or Resurgent Capitol Services for a {$1000.00} debt that they keep attempting to collect without providing proper validation materials that I have requested.

For the 3rd time, I have sent a certified mail piece requesting the debt be validated with proof of I am the person they are attempting to collect from. The failed to respond within the 30 days provided from the date of receipt of the certified mail piece, HOWEVER, they continue to report the debt on all three credit bureau? Isn't that against the FDCP law?

I have my certified mail pieces with signed USPS certified return receipts. They are still after 2 complaints reporting this debt, causing me to be denied housing and loans. Now even after going thru the mailbox, written, 30 day validation process, they STILL HAVE NOT produced any of the documents requested or validation. The credit reporting companies prey on XXXX people like this daily. XXXX
Consumer complaint received 2020-12-17
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. (TX)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received an alert from my credit card company that a new inquiry was made on XX/XX/2022. This was a hard inquiry from Bank of America. I called Bank of America and was told a XXXX account was opened. I have not nor made any credit application since XX/XX/2022. This was a fraudulent account opened with my information. Bank of America was advised and has closed this account. I also contacted XXXX as well and notified them of fraud activity. I was advised to also report this to FTC.GOV which I am doing now. I asked Bank of America what information was used such as mailing address, email and phone number but was told they could not provide the information. 

Ant investigation into this would be appreciated. Please advise me if further information is needed.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-05-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (NV)

Commonwealth financial is reporting to collections outside of the statue of limitations. They are sending me to collections six years after a bill. They never sent me a bill nor contacted me. The statue of limitations to report a debt is 4 years this bill was from XXXX and didnt report it until XXXX. I want these bills removed immediately! It is in the amount of XXXX and some change. The company is changing their story and refusing to abide by the law.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, the reporting of the following accounts is in violation of my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Information supplied is inaccurate and incomplete. At times it even contradicts itself.
Consumer complaint received 2021-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY ()

wells fargo bank / wachovia bank stole my home to fraudulent forclosure in XXXX county court XXXX florida to crooked judge whom did not look at proof of paymants wells Fargo bank /mortgages lied through there teeth the acount was in credit of over a XXXX dollars all payments were internatinal wire transactions from bank in uk to wells fargo and where all cashed, i have made over 50 case complaints to cfpb and you have done nothing for me, wells fargo valued my home at XXXX XXXX XXXX XXXX florida XXXX value {$560000.00} home mortgage {$250000.00} the equity i had in my home at the time of fraudulent forclosure was {$310000.00} the bank sold the property on the court steps to a 3rd party then sold it again within 7 days for XXXX then XXXX then made it look like the person who lives in the house now had bought the house from me thats fraud?. devastated me and my family this house was my penshion retiremant money stolen if a bank robber stole {$560000.00} dollars how many years would he get in prison wells fargo get fined? Now a supreme court judge in california has made wells fargo compensate 817 people families that they have stolen there homes to computer error?
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Equifax was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX