davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My complaint Is against Equifax. I've noticed over the past 12 months that Equifax has been reporting on time payments to accounts in good standing, 30-60 days late. For example, a payment I made to an installment account on XX/XX/2020 has still not been reported to my account as of XX/XX/2020. It typically takes 45-60 days for them to update payments to my report.This greatly effects my credit score and ability to qualify for new credit. 

In addition, Equifax reports negative information to my report exactly on time. For example, A collection account I have was reported on XX/XX/2020. Throughout the past 12-months, Negative information has posted on the XXXX of every month. 

My complaint is that Equifax reports negative information on time and positive information late. Also, Their online account dispute is never available even though I am paying a monthly fee to have access to online disputes. 

Equifax claims that they report all information when they receive it from the creditor, However my creditors have given me detailed information that they are reporting payments to Equifax on time at the end/beginning of every month.
Consumer complaint received 2023-02-06
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. ()

XXXXXXXX XXXX XXXX repossed my car even though i was in the military and protected under SCRA in XXXX. I called the lender and they said they didnt care and that i have no right because i owed them money. I WAS NOT AWARE OF MY RIGHTS under SCRA. 
The reporting of that account is wrong on payment amounts, dtaes the account was closed and the date of last reporting. Its different across all XXXX credit agencies and i put a dispute some time ago and they reported that everything was correct. The dates do not match up to eachother from ahency to agency. 
XXXX. XXXX XXXX, XXXX, XXXX  also failed to get accurate date on last reported and last payment dates. Sent dispute to credit agencies and came back validated. Still the dates do not match from agency to agency. I need help. I am trying to fix my credit and I can not tell what debt is mine and what is accurate or what is not.
Consumer complaint received 2020-08-24
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: EQUIFAX, INC. (GA)

I contacted Equifax by certified mail requesting they provide proof of contracts between myself and the companies listed under collections on my credit file that are reporting negative information on my file. I requested to be provided with contracts between these companies and myself or for it to be deleted upon failure to produce said contract. This was my second request. They closed the dispute and said it was completed and information had been updated on my file. The first company listed on my dispute letter was XXXX XXXX in which Equifax has not provided any contract between myself and XXXX XXXX as requested. Equifax closed the dispute on this and listed the information has been verified and accurate. The second company is XXXX XXXX XXXX which is listed on my report twice in which Equifax has not provided any contract between myself and XXXX XXXX XXXX as requested. Equifax closed this dispute and stated the information I disputed has been verified as accurate and that changes unrelated to my dispute have also been updated. The third company is XXXX XXXX in which Equifax has not provided a contract between myself and XXXX XXXX as requested. Equifax closed the dispute and stated the information disputed has been verified as accurate however changes have been made unrelated to the dispute. I have attached the letter that was sent to them in which I requested proof of contracts between the above companies and myself or deletion of this negative information on my file, as well as the updates they provided.
Consumer complaint received 2020-05-11
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)

The US Department of Education has been reporting student loan account incorrectly on each of my reports for years. I have disputed each account multiple times, and nothing has changed. The credit reporting agencies never send a reason why no investigation was done.
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681 : 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 XXXXXXXX have violated my rights.

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish my account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 

PLEASE REMOVE THESE ACCOUNTS AS I HAVE FOUND THAT MY RIGHTS HAVE BEEN VIOLATED. 
Delete these accounts ASAP
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NM)

I went on XXXX XXXX XXXXXXXX on XXXX XX/XX/2023 and I noticed my personal information was incorrect. According to 15 USC 1681 everything on my consumer report has to be accurate 100 percent.Having incorrect information could hurt my chances of home ownership in the upcoming future.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I received a copy of my credit report and I have found the following items listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Also unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.
Consumer complaint received 2023-02-06
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)

I request Physical Verification of this debt that was report to my credit by XXXX, Experian and XXXX. I got the same respond back they investigate is and a physical and the court report this true and accurate. I send the same letter to the bankruptcy and there finding was they never report that information to my credit report at all. I have attached the letter from Bankruptcy Court. The information that XXXX, Experian and XXXX say had been verifiable was not even report by the court. 

Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Reporting agencies must not disseminate outdated negative information. 

Violation ( s ) : Reporting agencies give inaccurate financial information about you.

Agencies fail to follow guidelines for handling disputes.

Reporting agencies providing information to unauthorized persons or businesses. 

Please remove this from my credit report because is a clear violation of fair credit reporting act.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CO)

When I try to log onto my account, with Citibank, I am requested to supply the number of an ATM debit card. A card I never received. When I called to report the problem, they ask me for the savings account number linked to this card. I do not have that information, lost ( i.e. email deleted ) as all set up online and paperless. They ask for SSN and my special word attached to the account, but their system also requires the savings account nbr, which I can not supply, so they stop helping. 
I am told to go to a branch. Well Citibank closed all branches in Colorado, and only have branches in a very limited amount of states. Citibank is head quartered in South Dakota. So they have a branch in XXXX XXXX, XXXX miles away from me. 
My other option is mailing their bank division and hope they will reply and help. 

At this time, I can only pay my credit card, over the phone, nor can I add make a credit or debit to my savings account. 
Also if the card was mailed, how do I not know it was stolen, or return to Citibank as they could have used an invalid address. 

If I do not get access to my account, I will be unable to obtain my 1099 needed for my tax return. And with the good interest rate, I am unable to put more money into the account.
Consumer complaint received 2023-02-06
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. (VA)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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
Consumer complaint received 2022-11-06
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: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives 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 deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I applied for to refinance my mortgage with Wells Fargo Home Mortgage on XX/XX/2020. The home is currently financed by Wells Fargo Home Mortgage. Over the next month, all the required documentation was sent in. On XX/XX/XXXX, I was notified by XXXX XXXX ( NMLS # XXXX ) that my loan was moved in the next level of review and the current time frames are 15 business days. I checked back with Ms. XXXX and the loan officer, XXXX XXXX XXXX ( NMLS # XXXX ) on XX/XX/XXXX. Ms. XXXX gave me a call on XX/XX/XXXX and all she could tell me was the loan was still in review for insurance. I explained to her that WFHM currrently has the mortgage and said insurance was/is acceptable. She said she could not explain why or what they were reviewing and only that the file was in still in review. I heard nothing from anyone after that phone call. I emailed again on XX/XX/XXXX to Ms. XXXX and Mr. XXXX with no response. Ms. XXXX 's auto-reply email had her supervisor, XXXX XXXX ( NMLS # XXXX ), name and email address on the response so I sent him a direct email on XX/XX/XXXX. Mr. XXXX did not and still has not responded. I sent an email to his supervisor, XXXX XXXX, on XX/XX/XXXX. His email stated he was out of the office returning on XX/XX/XXXX. I waited on the XXXX and no response. I then on XX/XX/XXXX, forwarded the message to Mr. XXXX 's supervisor, XXXX XXXX XXXX, while copying all of the subordinates aforementioned. Still no one from Wells Fargo Home Mortgage has responded to me with a status update or why it is taking them 60 days to review insurance they already have on an existing mortgage. I went to the Loan Status tracker to try to find a different way to escalate and found one other email contact for Mr. XXXX XXXX XXXX. I sent Mr. XXXX an email too on XX/XX/XXXX.
Consumer complaint received 2020-05-10
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. (NY)

Account under the name ( XXXX XXXX ) is currently reporting on my Transunion illegally. And is in violation of FCRA rules. Section 1681.

: The account currently reports misleading, Unverifiable information including Unverifiable balance. A violation of FCRA rules : The account currently reports inaccurate last date of activity a violation of FCRA rules : The account currently reports inaccurate last date of payment. A violation of FCRA rules. Section 1681 : The account currently reports inaccurate terms of agreement a violation under section 1681
Consumer complaint received 2020-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$30000.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$97.00} XXXX  XXXX XXXX {$350.00} XXXX XXXX XXXX {$390.00} XXXX   XXXX  XXXX {$620.00} XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2020-05-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CO)

We purchased a new car XX/XX/2020. The contract included auto start however the car had to have this installed. We called back multiple times XXXX and XXXX and were told to contact an outside company who they use to do the install for scheduling. We did and were told no order was sent. We called back Toyota and were apologized to and said it would be resolved end of day. This has happened 10 times. Finally we called in XXXX and were told because of COVID 19 that outside installs were on pause. We tried telling them this issue has been active since long before the virus became an issue. We called back XXXX to see what the hold up was and the outside company says they still dont have an order to install auto start. 
Toyota said they would call back by the end of business day, that again never happened now for the 12th time. 

Not sure why they are not wanting to install the auto start but it was literally a decision factor in purchasing this vehicle. We would never have bought had that not told us contractually, this would be added. Weve never owned a car without it and we also go through Toyota for now our 5th car. 
This is just insulting. Weve like to return the car if they have no intention on installing auto start as theyve already agreed.
Consumer complaint received 2020-05-11
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. (NY)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Social Finance, Inc. (CA)

On XX/XX/2020, I sent a bill payment via SOFI Money 's bill  payment service through the app on my XXXX in the amount of {$66.00}. I have used the service repeatedly to send checks to my water billing company ( XXXX ). I received an invoice from XXXX on XX/XX/XXXX showing that the payment for {$66.00} had not been applied to my account. I attempted to review the details of the transaction in my account, but I was unable to view a canceled check or otherwise verify that the check sent on my behalf was deposited. I reached out to SOFI on the same date - via the email that was associated with the transaction : XXXX. After numerous emails back and forth with support on XX/XX/XXXX, I was unable to get any information about whether the check had been cashed, even though the money had been deducted from my account on XX/XX/XXXX. I followed up on XX/XX/XXXX and XX/XX/XXXX and still was unable to receive a response about whether the check was cashed. Since there is no phone number available for customer service, I chatted with support on XX/XX/XXXX. I again inquired as to whether the check for {$66.00} was cashed. The support person told me he could not find out and the issue would have to be " researched. '' I explained that I had already been told it was being researched as of 6 days prior, and I still hadn't received a response. I asked to escalate the issue and file a complaint, and was told that a complaint had already been filed even though I did not file a complaint previously. I then asked to speak to a supervisor and requested a call back, but I have yet to receive any call back. So SOFI has taken the money from my account and held it for 2 months but after a week is unable to provide me with any information showing whether the check has been cashed, meanwhile I am being charged late fees for the payment being late because I am unable to produce any record showing that it was received by XXXX. SOFI offers this banking service but is unable to provide the basic details associated with the transactions.
Consumer complaint received 2021-02-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send these letters off and spent my hard earn money. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point!!