davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (TX)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2022-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX, according to the Wells Fargo process to receive the Escrow funds, I would need to provide a copy of the Divorce Decree and any documents stating I have ownership of the property. I have provided all the documents including a signed statement notarized from the now ex-spouse stating he is not entitled to any money from the said property. I reached out to a local Wells Fargo bank and the branch manager XXXX sent the fax directly to the Mortgage Correspondence department. Less than two weeks, I discovered the check was sent to the ex-spouse due to him calling and changing the address of the documents. The check was stopped and reissued and mailed to my property address with both parties ' names. I understood the check would come in that manner since the documents sent would take time to process. I contacted WellsFargo customer service on XX/XX/2022, discovering the documents were not received although I had received a fax cover sheet with a successful receipt of the XXXX pages. Again I resubmitted the documents from the same branch with a second successful submission. I reached out to Wells Fargo on XX/XX/XXXX to discover again the document was not received although the fax cover page stated the transmission was a success. I figured out this time, but talking with XXXX who is a representative of WellsFargo, XXXX, and XXXX XXXX ( Supervisor of XXXX ) I can resubmit via email provided by XXXX. The email was not a correct email which I verified with XXXX XXXX prior to hanging up the phone on XX/XX/XXXX. On XX/XX/XXXX, I was informed that the documents I faxed via my cellphone were in fact received and it would take 45 days to process the XXXX check, which is not in compliance with the regulator laws. My closing took place with Wells Fargo on XX/XX/2022, and it is now XX/XX/2022. According to the regulation, Wells Fargo has 15 business days to process the refund. I am unable to get any responses if the bank will comply. I have been assigned a case number however, the number means nothing when the group responsible is unavailable..Wells Fargo does not take the regulatory process seriously and will need to be held accountable for the lack of processing within the timeline.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I was really upset to find unauthorized inquiries on my credit report this morning without any clear reason. I regularly review my report, and this is the first time Ive encountered this type of issue. Even after refreshing the browser multiple times to check if it was an error, the unauthorized inquiries remained. This entire situation is extremely frustrating, and I am asking for the documents I sent to be reviewed carefully to prevent this from happening again.
Consumer complaint received 2022-12-01
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-01
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 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 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 XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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 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 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

There is a late payment on my credit card reporting from XXXX. They bought the Credit Card section from XXXX bank. I have paid my credit card each and every month, when XXXX XXXX XXXX XXXX  bought the Credit Card division from XXXX XXXX  they did not transfer over the payments from my account to XXXXXXXX XXXX  for that month and gave me a late payment despite the fact that I paid the Credit Card. I have called XXXX several times to get them to correct the error on their end and remove the late payment becasue it has dropped my score XXXX points. The late payment occurred in XXXX of 2022 despite the fact I paid the Credit Card with XXXX XXXX  before it was transferred over to FBT. 

I have disputed the account with the credit bureaus 2 times on XX/XX/XXXX and XX/XX/XXXX stating this : " Please remove the 1 late payment from my report. The error was on the end the PFCP. It was when they bought out XXXX XXXX XXXX ; I paid XXXX and the payment processing did not transfer and XXXX told me to dispute the inaccurate late payment with the bureaus so you will remove it since the error was on their end. '' The Credit Bureaus stated that XXXX validated the late payment is accurate which is false.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Inflection.com, Inc. (AZ)

After booking a stay on XXXX and submitting my Drivers License for verification Inflection Risk Solutions performed a background check ( I had no knowledge of this being done ) this may be in XXXX  terms of service when you click you agree. The dispute was initiated after XXXX cancelled my booking due to the erroneous case XXXX that I have reported to the CFPB several times on other background check companies that have incorrectly reported the reversed and dismissed case by the XXXX district appellate court of Illinois under order XXXX XXXX The XXXX  are of no consequence no law saying a XXXX  prevents you from paying for an XXXX. Instructions to contact XXXX lead supervisor at XXXX XXXX clerks office were given ( this is a step Inflection Risk Solutions did not even take or they would have known the case was Reversed and the " In Custody '' was erroneous ) and she keeps a record of the companies that reach out after they have been provided the accurate information per the Clerks office, NOT XXXX SEARCHES!
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX
Consumer complaint received 2022-12-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

During the pandemic, I was behind on my mortgage. I received a letter of default and was threatened with foreclosure by NewRez ( my mortgage processor ). 

In XX/XX/XXXX, I applied for the Housing Assistance PrograXXXX through the website : XXXX XXXX XXXX. 

The applications were supposed to be expedited. They were not. 

It took 6 months from the day I applied to the time the mortgage company was contacted about the amount of assistance I needed. 

By then, to avoid being homeless, my only option was to put the outstanding balance on the end of my loan. This lump sum of over {$5000.00} must be paid at once when my final payment is due XX/XX/XXXX. 

Although the company is aware that this was a pandemic related hardship, they told the Housing Assistance Program representative that my loan was current and refused to tell them about the COVID-19 related balloon payment that will befall me which qualified for assistance. 

The state was not compliant with the federal mandate of expediting applications. This allowed technicalities that hide the fact that we are still injured because of deprivation of federal benefits.
Consumer complaint received 2022-11-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SANTANDER HOLDINGS USA, INC. (CA)

SANTANDER was in a class action suit and it was ordered for them not to report to the credit bureaus concerning accounts. I sent the information in explaining that to them and they didn't respond in the proper manner.
Consumer complaint received 2023-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CT)

Hello, I have tried to close my PayPay account numerous times as I'm not satisfied with their service or practices. I only have {$1.00} balance but I am more concerned that this company is holding my personal information including, Name, SSN, Phone and Credit Card Account number against my wishes I have been unable to speak with a person and instead get stuck in a circular string of text and web " help '' that has been useless. I honestly don't care about the {$1.00} but they should be able to send me a check. 

Please understand I have been the victim of identify theft and credit card fraud in the past which has been a ordeal. I'm concerned that this company could misuse my information or be hacked at some point. I want then to close my account and delate all my personal information. 

Thank you very much for any help you can provide. 

XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX - cell
Consumer complaint received 2023-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one is in violations FCRA 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 a account without my written instructions 15 U.S.C 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 U.S.C. 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 that the information is inaccurate.
Consumer complaint received 2023-03-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (AR)

I cosigned for my brother to get a vehicle. The lending company we had to go through was Credit Acceptance. My brother stopped making payments and put the truck in repossession. They keep reporting late payments on my credit report. I've given them 3 locations for where the truck is and they still have not repossessed the vehicle. I was told that I can't hire someone to repossess the vehicle but yet I'm still responsible for the loan. My credit is getting trashed every month and I have no legal recourse for turning the vehicle in. I tried to do a voluntary surrender and Credit Acceptance said that my brother has to consent to that as well. Even with the truck up for repossession. I've offered to pay half the loan if removed from the loan contract and repair my credit. I was told that's not an option either. I'm nowhere on the bill of sale, title or registration but being wrecked credit wise with no way to fix this. I seriously need help with this or directed towards an attorney that can help
Consumer complaint received 2023-06-28
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. (TN)

My closed accounts are being included in the credit score calculization. It says that the utilization of. Reset is based on how much credit is being used out of the available open accounts. They are including closed accounts in my score and it is not calculating my score properly.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Name : 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681.Account names XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX has violated my right. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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.

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