davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
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)

There is a FRAUDULENT item ( XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I been reaching out to all three credit bureaus and I have asked them to do an thoroughly investigation on all late payments showing on my XXXX XXXX  account number XXXX according to FCRA 609 ACT. It clearly states that they are supposed to remove any negative items they have not investigated completely ... 

I need to find out who did they speak to? 
how was this information verified? 
who completed the investigation from the credit bureaus? 

It clearly states by law that if they did not complete the information between 30 to 45 days these items are supposed to be removed I am demanding these late payments to be removed due to the credit bureaus violating the FRCA
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (MA)

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 2023-06-01
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: Experian Information Solutions 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 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 2024-08-30
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (UT)

In XXXX of 2023, I refinanced my home mortgage and the mortgage company sent a check for {$5800.00} directly to Synchrony bank to pay down my credit card balance. The check was cashed on XX/XX/year>2023 by Synchrony Bank but was never credited to my account. I opened a dispute and Synchrony Bank gave me a temporary credit until I provided a copy of the cashed check, which I uploaded multiple times to their site. When I called Synchrony customer service to follow-up, they stated that they had not received the copy of the check and recommended that I fax it to them, which I did. In XX/XX/year>2023, they closed the dispute and added the charges back to my account.

I am attaching my statements, the cashed check, and the proof of the fax transmission to Synchrony Bank.
Consumer complaint received 2023-06-01
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. (FL)

n 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 : XXXX XXXX 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 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 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (MD)

In early XXXX, 2021 I initiated a mortgage application with Better.com. At which time I was quoted a closing cost on my mortgage of approximately {$8500.00}. The original amount is no longer available to me as they have completely removed any record of their transgressions from my portal. During an absolute nightmare of an underwriting process I was informed that because I was utilizing a co-signer I would have to get the deed re-titled so that the co-signer was added to the deed. This was very surprising to me as co-signers are not required to be on the title/deed of a home. With closing scheduled for XX/XX/2021 my final paperwork was generated just a few days before closing. Hidden in this closing paperwork was {$5300.00} of additional previously undisclosed fees that were required by the state to retitle the house. Now, better.com had told me over 45 days in advance of closing that the house would need to be retitled, but they instead decided to hide these fees in the final paperwork instead of disclosing them earlier in the process for fear of losing the refinance. It wasn't until closing, which I used a third party for, that I was made aware of the cost of this predatory and intentional gross negligence by better.com. They intentionally withheld this information from me until the XXXX hour so that I would not have time to find another lender as rates had already moved significantly against me during this time. When better.com was asked about this they said well you used a third party closing company so it's their fault. The fact of the matter is, I did not bring in the third party closing company until just prior to closing so better.com was responsible for generating assumptions for all fees associated with the refinance prior to the closing and in the good faith estimates. Better.com did not act in good faith and intentionally withheld the cost of retitling the house so that I was left with no choice but to pay the fees due to a requirement that they had generated. When a request for remuneration was set forth they refused to take any responsibility and severed communication.
Consumer complaint received 2021-10-14
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: Chime Financial Inc (CA)

A person, who is in custody now, was using my account and cards to make purchases all over the country. When I finally gained access to my account in XXXX, the bank sent me my statements and to my horror, nearly {$120000.00} was spent by this individual. He was intercepting my mail as well and had replacement cards which is why my card wouldnt work. He had me locked out of my own account for months and attempts to have the unauthorized charges removed and an accurate statement provided have been denied repeatedly. This is flat out fraud ( he was arrested with a fake social security card of mine and with an old drivers license of mine, as well as all my bank cards ) and for anyone to deny a dispute is unacceptable.
Consumer complaint received 2023-06-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (DC)

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 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 2023-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (VA)

I applied for the Cares Act hardship program back in XXXX of XXXX and per the plan, hardship was completed back in XX/XX/XXXX. Due to technical issues, I have been unable to use the credit line as agreed upon per the completion of the hardship program. I have been contacting the credit card company since the end of the program with complaints of not being able to use the card with no resolution for almost a year later.
Consumer complaint received 2023-06-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-29
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. (TX)

In accordance with the Fair Credit Reporting act 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 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 I've also noticed errors in payment history along all 3 credit bureaus.
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Account NumberXXXX Routing : XXXX A check was accidentally deposited in the amount of {$37000.00} into this account in XX/XX/2022. I have reached out to the XXXX XXXX in regard to the made error of sending this check via direct deposit. I spoke with the company owner which is my previous business partner XXXX XXXX. He is using retaliation tactics by holding on to these funds and committing bank fraud. The auction told me they would get my funds back and give me my payment in the form of a paper check as requested by me in the first place.
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXXXXXX Balance Owed : {$4700.00}.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

On XX/XX/XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, on XX/XX/XXXX, submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after more than 1 year ago, I review my updated Credit Report and I noticed that they updated my address but they did not remove the rest of the inaccurate addresses on the XXXX and EQUIFAX report, I attached the file that included the addresses that I want to be remove, I am now, taking the extra step, because I really need these addresses off of my credit report.
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (NJ)

I value you setting aside some information to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXXBalance : {$1900.00}, XXXX XXXX Balance : {$170.00}
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (GA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$7500.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (PA)

Not updated information on old auto loan debt on credit report showing up as XXXX, I no longer have the auto loan on the XXXX XXXX XXXX is full paid off to Wells Fargo bank yet it shows old debt owed. Effecting my credit when it is in fact incorrect. I opened a dispute yet the dispute was closed & claimed incorrect which is false and ignorant because no information was collected from me to confirm the car or the bank, etc. I will be filling information and complaints directly to the source if this does not get fixed immediately.
Consumer complaint received 2023-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (OR)

I have owned my home for less than a year. The title company collected and paid for the first year 's property taxes at closing. When taxes were due, the title company paid them. My mortgage servicer, Fay Servicing, also paid them resulting in an over payment of {$11000.00}. As a result of the double payment, Fay Servicing doubled my escrow payment. When I contacted them about the issues in early XX/XX/XXXX, I gave them all of the necessary information to request a refund. Fay Servicing then requested a refund in late XXXX. The country issued the refund XXXX. My mortgage servicer transferred on XX/XX/XXXX. Fay Servicing has claimed since XXXX that I would be receiving the refund in the mail. After following up for months, they claimed the check was sent on XXXX. I just called them again on XX/XX/XXXX since the check never arrived and was told that the amount was transfer to my new servicer on XX/XX/XXXX. My new servicer has only received {$5100.00} after nearly a month. Fay Servicing claims to have transferred all of the over payment, but after receiving the account history, it shows Fay Servicing has only transferred {$510000.00} and is unwilling the transfer the remainder of the over payment ( {$5800.00} ).
Consumer complaint received 2023-06-02
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER
REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FC HoldCo LLC (TX)

I have been disputing for several months with XXXX XXXX XXXX items on my credit report. I am listing the accounts which are not mine and must be Deleted immediately from my credit report since it is causing problems with my employment and personal credit rating. 
1. XXXX XXXX {$440.00} 2. Flagship Credit {$4000.00} 3. XXXX XXXX XXXX {$300.00} 4. XXXX XXXX XXXX {$0.00} This account has a XXXX BALANCE and I am still receiving phone calls stating the Balance is {$5400.00}. I have No Idea what or why they are even contacting me.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern, Many of the items on my credit report originated more than 7 years ago and therefore are required by the updated laws and regulations under FCRA as of 2023. The following items include All four collections which are duplicates of other accounts, one of which was paid until my date of departure from the house. 

Please verify age of origination for all accounts and delete all of the old information from my report. It has caused me great damage for a huge portion of my life. I'm now entering my XXXX 's with XXXX children to provide for and I'm still being punished for mistakes I made in my early XXXX 's. I have paid for many accounts to be deleted. 

I have repeatly contacted all three reporting agencies over the years and still I have never been able to get these old account removed. 

Any account, past the origination age of date 7 years ( not the date of closure ) by law must be removed promptly or I will file suit against all three credit agencies and seek the maximum amount of damages allowed to me by law. Thank you kindly for reading.