davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
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)

I have previously disputed with XXXX XXXX and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account Number : 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy and privacy of information in the files of the nations credit reporting companies.
Consumer complaint received 2021-12-03
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. (VA)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2022-07-13
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. (CA)

IVE NEVER HAD A STUDENT LOAN AND THIS IS CURRENTLY REPORTING ON MY CREDIT FILE WITH XXXX DIFFERENT INDIVIDUAL LOAN 'S ON MY XXXX, EQUIFAX AND XXXX CREDIT REPORTING FILE ACCT NUMBER XXXX
Consumer complaint received 2024-10-10
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: WELLS FARGO & COMPANY (MA)

Recived a XXXX XXXX notification " There's a new inquiry on your XXXX credit report '' on XX/XX/XXXX & XX/XX/XXXX, the hard inquiry that was posted to XXXX XXXX was from " Wells Fargo Card Ser ''. I haven't applied for any lines of credit since XXXX when I bought my car. 

Upon further inspection, I looked at XXXX and they show " XXXX XXXX XXXXXXXX '' and " XXXX XXXX '' had hard inquiries on XX/XX/XXXX. According to XXXX account, both of those entities received a copy of my credit report. I haven't authorized ANY credit reports to be pulled. 

I spoke with XXXX and they directed me to submit a dispute with FTC or Police Report and mail it in to get the Wellsfargo off of my report. The FTC directed me to CFPB. I'd like to have these removed from my credit reports & for those companies to receive notice there has been fraud. They can investigate on their own to determine who is behind all of this. In the meantime, I've frozen my credit & added fraud alert to my credit. I just need these taken off of my credit report. Thank you so much
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

I had a credit card with Gap through Synchrony Bank. They took the dispute incorrectly and had denied the claim- not understanding what I was originally disputing. So I had to appeal my claim that was in the works. To then have them move me from Synchrony to XXXX. And XXXX could not help
Consumer complaint received 2024-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello All, These hard inquiries are fraudulent and doesn't belong to me and need to be removed. Please see the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Thank you, Best Regards XXXX XXXX
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I would like to file a complaint because a bankruptcy is showing on my consumer report. 
The United States Bankruptcy Court does not furnish, provide, or sell information to 3rd parties like credit reporting agencies. This information was obtained from XXXX XXXX who gets information from Pacer.Gov which is public access to electronic court records. XXXX XXXX is a for profit company, and sells consumers information to the consumer reporting agencies. My social security number is not a public record, and if I did not report it, and the United States Bankruptcy court did not report it, then an account was created on my behalf, without my consent, and that is identity theft. 15 US CODE 1681B Permissable purpose of consumer reports ( a ) ( 2 ) of this law states that any consumer reporting agency may furnish a consumer report under following circumstances and, no other In accordance, with the written instruction of the consumer to whom it relates to. Permissable purpose equals written instruction, without permissable purpose is identity theft.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report.

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim.

Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided.

I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue.

Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-20
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. (NJ)

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 2022-09-20
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under

15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my repor
ts. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2022-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

XX/XX/2022 - I was notified by Wells Fargo Home Mortgage ( XXXX ) that there was not flood insurance on my property XX/XX/2022 - I was notified that XXXX would place Lender Placed Flood Insurance ( LPFI ) on my property XX/XX/2022 - XXXX made a phone call to XXXX agreeing to LPFI on my property at a cost of {$1800.00} annually. I was given an opportunity to either pay it up front or have it escrowed into my mortgage payment. I was told that {$1800.00} would be escrowed and divided over 12 months at a rate of {$150.00} extra/month. I agreed to this over the phone. I was never given any kind of paperwork to sign regarding this agreement. 
XX/XX/2022- XXXX insurance policy sent to my home XX/XX/2022 - Escrow review statement sent to my home stating that the actual escrowed amount was {$4600.00} at a rate of $ XXXX added onto my mortgage payment. 
XX/XX/2022- XXXX mailed to my home from XXXX regarding my complaint of the {$4600.00} escrowed amount. 
XX/XX/2022- XXXX sent to XXXX stating that I agreed to {$1800.00} to be escrowed to my account, not {$4600.00}. XXXX mortgage payment included in the correspondence with the agreed upon monthly escrow amount of {$150.00} added to that payment. 
XX/XX/2022- XXXX from XXXX in reponse to my XX/XX/2022 letter stating that there was no error on their part. 
XX/XX/2022- XXXX from XXXX stating that there was no error on their part. 
XX/XX/2022- XXXX sent to XXXX stating that I agreed to {$1800.00} to be escrowed to my account, not {$4600.00}. XXXX mortgage payment included in the correspondence with the agreed upon monthly escrow amount of {$150.00} added to that payment. 
XX/XX/2022- XXXX from XXXX stating that there was no error on their part. 
XX/XX/2022- XXXX sent to XXXX stating that I agreed to {$1800.00} to be escrowed to my account, not {$4600.00}. XXXX mortgage payment included in the correspondence with the agreed upon monthly escrow amount of {$150.00} added to that payment.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Recently Experian has reported accounts to to my consumer report that doesn't belong to me and violates my privacy rights. I've mailed them a dispute letter asking them to investigate the accounts listed in the dispute letter. The accounts reporting doesn't belong to me nor have my consent to report. I have no knowledge of the creditors asking me to pay a debt. How can I owe a debt to someone if there was never any mutual agreement prior? I asked them to verify this debt any send me any documents with my authorization. I never gave Experian permission to even furnish a consumer profile of me nor did they have authorization to report these unverified accounts. I understand that there are consumer laws that protect me as a consumer and it is Experian duty to do what's fair and equitable for me. I also understand that in order for them to report any account it must be verifiable and accurate in which these accounts isn't. Any account on my consumer report that isn't mines or inaccurate must be removed from my consumer report. Pursuant 15 U.S. Code 1692c - Communication in connection with debt collection, I ask that these creditors cease all communication with me in which bay definition of " communication '' reporting these accounts is a form of communication and if you fail to do so then thats a violation on your behalf. Any violations reporting to my consumer report after your response you will be held liable for damages.

Violations committed : Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Consumer complaint received 2021-11-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (AL)

On XX/XX/XXXX, I attempted to withdraw {$2000.00} from my Coinbase account into my XXXX Savings account, but I did not receive the funds. After analyzing the transaction history, I realized that it was sent to a different XXXX XXXX account. As I continued to look at my linked bank accounts on my Coinbase account, I noticed there were 2 different XXXX savings accounts linked to my Coinbase account. This is a problem because I only remember linking 1 XXXX savings account. 

Because of this, I believe my Coinbase account must have been hacked and this extra XXXX savings account was added without my authorization or knowledge. Since I only added XXXX XXXX savings account to my Coinbase account, I must have selected the unauthorized and unknown XXXX savings account for the XXXX transaction because both accounts were labelled " XXXX Savings ''. 

I have no idea or no knowledge of how this unauthorized XXXX savings account showed up on my Coinbase account. In addition to this, I've only had one XXXX savings account and XXXX XXXX checking account in my lifetime. This can be verified through XXXX if you wish to contact them. 

I have tried to resolve this issue with Coinbase and attempted to get my money into the correct account, but they informed me that they can not do anything about it because I was the one who authorized the ADDITIONAL XXXX savings account, therefore it was my fault. This does not make sense because there is no other way for me to have known the full account number of a whole different XXXX savings account if I only had XXXX XXXX savings account to begin with. I also contacted XXXX to see if they would be able to track where the money went, and they did confirm that it was sent to someone else, but they could not do anything about it either. 

I have a picture of the {$2000.00} transaction that was sent to the WRONG and UNAUTHORIZED XXXX savings account that was somehow added to my account. I also have a picture with the email I received from Coinbase who claimed they could not help me ( with a case number ). And I also have another picture of another transaction on XX/XX/XXXX where I was able to successfully withdraw {$110.00} to the CORRECT XXXX savings account. Again, this can all be verified with XXXX that I have never had 2 XXXX savings account. 

If you need any other documents to help support my claim, please let me know and thank you for your time.