davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-05
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 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 2023-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (MD)

XXXX XXXX XXXX has been reporting inaccurate information on my credit report. My identity was stolen and as a result, false inquiries, was made on my behalf. This account, is a brought debt, so the company doesnt own the debt.15 USC 1981 XXXX Numerous disputes were filed, with no results
Consumer complaint received 2022-09-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-09
Product: Credit reporting, credit repair services, 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. (TX)

On our Equifax credit report it shows a lot of hard inquiries from car companies that we did not authorize. We only authorized XXXX XXXX and XXXXXXXX XXXX. There are over 60 hard inquiries which is damaging our report. I contacted Equifax and they are refusing to dispute the inquiries
Consumer complaint received 2022-03-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

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. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX XXXX XXXX the bureaus have to report XXXX percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-05-02
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)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I received an SBA loan in the amount of {$140000.00} on XX/XX/XXXX of XXXX. It was deposited into my Citibank account # XXXX. After a week or so, Citibank froze my account. I went to the branch where I was informed that there was a fraud investigation pending. I verified myself as the account holder and was told to check back in a week. I went back to the branch and was told they would be closing my account and sending me a check for the remaining balance within 7 days. After 10 days I went back to the branch and they told me that they were sending the funds back to the SBA. They refused to provide me with any paperwork reflecting what they were going to do with the funds. Last month, XXXX of XXXX I was able to log on to my SBA loan portal and noticed that my balance was still reflecting the entire amount of {$140000.00}. I called the SBA and told them what happened. They told me they have not received any funds back from Citibank for my account. I called the bank and have been getting the runaround for a month. Sometimes they just say they can't help me because my account is under investigation and they just hang up on me. Other times they tell me they are going to get more info and to wait for an email or a call that never comes. I have called over 20 times and am still not able to find what the next step is to get them to either release the funds to me or send it back to the SBA. I am now paying interest for money that Citibank is holding on to. Their customer service has no clue how to handle my situation, they keep transferring me to different departments and the branch says they are not able to do anything for me. So I can not got to the branch or call Citibank to get help. I don't know what other option there is for me at this point. They should not be able to do this to their customers. They are holding onto funds that do not belong to them. I would like for them to either release the funds to me or send it back to the SBA so my interest payment reflect the amount I was actually able to use.
Consumer complaint received 2022-09-27
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)

I sent a letter to 3 credit Bureaus to remove this Charge-off Accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 credit Bureaus are required to remove any accounts not later than 4 business days after the date of receipt. Please remove these accounts in my file immediately : XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (TX)

I had multiple accounts with PNC. Today, I logged into my account to deposit a check only to find that all but XXXX of my accounts have fully disappeared from my profile along with my money. I did not authorize any closure or transactions. After signing out and signing back in multiple times, I realized this is not a glitch but theft by PNC. I messaged a customer care representative through the app. XXXX could neither troubleshoot the issue nor restore my accounts. I dont know where my money is and that makes me feel very vulnerable and afraid. No financial institution should ever do this to their customers. Nobody should ever go through this.
Consumer complaint received 2020-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (AL)

There is an collection agency call convergent outsourcing that has placed a debt in the amount of {$210.00} on my credit report for XXXX, XXXX and XXXX XXXX. It was placed on my credit report in 2019. I have reached out one time to inform them that they should not be on my credit report that bill that they placed on my account is from XXXX. That bill had been taken care of already I have the confirmation number. also, the amount that the bill worth was {$110.00} so Im really unsure as to why they were trying to get {$210.00}? Just that alone shouldve been removed from my credit report because they were reporting an illegal amount.
Consumer complaint received 2020-05-11
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. (CA)

The credit reporting company Experian recently ( XX/XX/XXXX ) sent me an email ( see screen shot [ attached below ] ) explicitly stating that I had credit card ( s ), a login ID for use of the website Experian.com, and the total credit-limit amount assigned to me for all my cards ( taken from my Experian credit report ). The total credit-limit amount was even stated in the title of the email. I don't even know ( or care, frankly ) if these types of emails are even encrypted. 

I don't mind being offered a new credit card, but I am extremely sensitive about emails containing personal information of this sort. This is mostly because I was a victim of identity theft a couple of years ago, which I believe was due to the XXXX XXXX  data breach. Identity thieves opened up four fraudulent bank accounts, a credit card, and an ATM debit card. One of the banks even printed paper checks which were sent to my home ( where I have had my physical mail stolen on several occasions ).
Consumer complaint received 2020-11-19
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: WAKEFIELD & ASSOCIATES, INC. (OH)

To Whom It May Concern, The reason for my dispute is REVENUE RECOVERY CORPORATION was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, REVENUE RECOVERY CORPORATION failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809.

Validations of date and Mini-Mirandi under Section807 ( 1 ) REVENUE RECOVERY CORPORATION failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation REVENUE RECOVERY CORPORATION are held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where REVENUE RECOVERY CORPORATION is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. REVENUE RECOVERY CORPORATION has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I have been trying to get this issue resolved with Equifax since XX/XX/XXXX. This began when I was unable to get a copy of my credit report when attempting to buy a house. I called Equifax consumer affairs to get my report that same day but was unsuccessful. Per the websites suggestion, I then faxed Equifax a copy of my ID and Social Security card to verify my identity. Since XX/XX/XXXX, I have been calling consumer affairs daily to try to get my credit report. 
On XX/XX/XXXX, in an effort to get this resolved I reached out to XXXX ( the credit report furnisher for mortgage lenders ). The representative, XXXX, advised me to make a call to Equifax. Equifax told her that the lender could not get my report because Equifax had a different Social Security number and to send proof of my identity, which I had already done multiple times! Since that day, I have been calling AND faxing Equifax daily to try to get this fixed. When I finally received a response from Equifax last week, it was a notice from Equifax XXXX, stating that they are unable to locate my file! I never contacted Equifax XXXX by phone, fax, or any other means. After learning this, XXXX gave Equifax another call and they were told the consumer affairs office is closed and to leave my information and a call back number. I still have not received a call. These responses are just further proof that Equifax has no intention of assisting me or resolving this issue. 
I am very distraught over XXXX incompetent handling of this and it is going to cause me to lose the home I am purchasing. I have already paid a {$2000.00} deposit on this home, {$450.00} for an appraisal and {$350.00} for a home inspection. The {$200.00} deposit has already been released to the seller early. In addition, my lender has paid {$250.00} to extend escrow past the normal extension time. At this point the seller is considering cancelling the transaction. If this happens, all that money will be lost. Simply because Equifax refuses to release my credit report. Please see attachments for supporting evidence. 
I want to be clear. If this isnt resolved quickly, or I lose this house, I am going to file a lawsuit against Equifax for its egregious mishandling of my file. I refuse to allow them to cause me any more harm.
Consumer complaint received 2020-05-11
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

I currently have a VA Mortgage Loan serviced by Wells Fargo. On or about XX/XX/20, I applied online and was approved for a three month loan suspension due to Covid-19 impact on our finances. On XX/XX/20, I decided I was still going to be able to make the monthly payments and called Wells Fargo and cancelled the loan suspension and reinstated the monthly payments. It should be noted that I had already made XXXX 's payment and XXXX was paid on time thus, I never missed nor was I late on any mortgage payment. However, in XXXX and prior to the next payment being due, Wells Fargo reported to the Credit Bureaus that my loan was in Forbearance. 

I have requested this to be removed from my credit reports and Wells Fargo has indicted they will report my loan as no longer being in forbearance. However, they can not give me an answer as to how long it will take. 

I am currently trying to do a VA streamline refinance but, I am precluded from proceeding while that is noted on my report. Thus, I could incur some financial harm especially if rates go up before I can proceed. 

My main concern/complaint is : Does the mortgage servicer have the legal right to report that a loan is in forbearance prior to the next payment being due or before the consumer has missed a payment? 

It appears that Wells Fargo is arbitrarily reporting forbearance to the credit agencies as soon as they are approving the loan suspension and not waiting until the suspended payment period begins. 

Do they have the authority to do this? 

Additionally, Wells Fargo did not provide any information to indicate that they would report such information.
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (NC)

Good evening, Thank you for taking the time with this matter. Many of the inquiries on my account were not authorized when I was applying for auto loans, they told me they would be applying for XXXX XXXX but did not know they sent my information to other financial companies. 
The below list is all of the inquiries that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX
Consumer complaint received 2020-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (WA)

For the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, every time I tried to pay my bill through auto-pay it would not go through. This has effected greatly as well since Ive been dealing with reoccurring health problems and I can provide medical bills to prove it. I reached out to the company more than once and theyve done nothing to resolve this issue. I even offered to pay the entire balance due in full if they could remove the 8 late payments that were brought on due to their faulty auto-pay system. I now can not get approved for an auto loan due to these marks on my credit report and the company will not help me with this unfair situation.
Consumer complaint received 2024-09-05
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. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2020-08-24
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: JPMORGAN CHASE & CO. (WI)

I got an email from what appears to be Chase Online on XX/XX/2020. The email says I owe them {$120.00}. I never signed up for a Chase credit card. I think this is a phishing scam or I'm a victim of fraud.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am upset and highly frustrated to know that there has been false and fraudulent reports noted on my credit report that i did not consent nor authorize! This is causing a lot of horrible delays with my employment and would like this to be taken off immediately!
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am upset and highly frustrated to know that there has been false and fraudulent reports noted on my credit report that i did not consent nor authorize! This is causing a lot of horrible delays with my employment and would like this to be taken off immediately!
Consumer complaint received 2022-12-13
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: LEXISNEXIS (NV)

XXXX XXXX CT NV XXXX XXXX ID XXXX address ID XXXX 15 US Code 1681e ( b ) maximum accuracy Question : Did the court clerk report my bankruptcy to the credit bureau?
Consumer complaint received 2022-07-28
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)

While checking my credit report, I notice an account from XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX  is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2022-05-02
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. (VA)

The Credit Bureaus stated my account was properly investigated but how can this be true when there are 23 accounts with inaccurate information reporting? These inaccuracies are grounds for monetary reimbursement as well as removal as they violated my rights under the following : 15 U.S.C. 1681 section 602 A which states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 which states a consumer reporting agency can not furnish an account without my written instructions Also the credit bureaus took longer than 30 days to review and update the information on my report as requested in XX/XX/2022. Here are my certified mail tracking numbers Equifax : XXXX XXXX : XXXX XXXX  : XXXX
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

Experian will not unfreeze my credit. If this is not resolved within 7 days it will cost me my mortgage and the {$100000.00} I have invested. MY credit is perfect but experian will not release the freeze. I have called 20 different numbers and mailed in several forms and no response. 

PLEASE HELP ME!!!!! 

Both XXXX  and XXXX XXXX  removed the freeze without any problems.