davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I have been trying for over a year to get someone to help me regarding removing this inaccurate information from my credit reports. I have a Bankruptcy on my Equifax, XXXX and XXXX credit reports that was dismissed and never discharged because I never went to court for the judgement because I found a job before I had to file bankruptcy so I withdrew my request for the court to begin an active bankruptcy. I have written letters to XXXX Bankruptcy Court numerous times only for them to not answer my certified mail even after I paid for them an envelope to send me the information to be corrected. All 3 credit bureaus claim to have verified the information with XXXX Bankruotcy Court but no one has sent me proof or contract or court documents of an active bankruptcy because one simply does not exist. All copies of the letters that I sent and dates are attached for proof. Please I am begging to remove this inaccuracy from my credit report. I do not wish to file court proceedings against Equifax, XXXX, and XXXX  for reporting inaccurate information that is a violation of my rights as a consumer. Please remove Bankruptcy from my credit report within 15 days according to FCRA.
Consumer complaint received 2021-09-14
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. (SC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2020-12-12
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. (OR)

I recently had my credit pulled in order to get a home loan and i was shocked to see 2 60 day late pays on my credit report from XXXX and XX/XX/XXXX for an account that has been paid and closed since XX/XX/XXXX.It was a manufactured home that i paid off and sold in XX/XX/XXXX. Its never been on my credit report until this year more then 7 years later. I have called the company and they can not locate my file anymore and have said that they never reported a late payment from the records. So I've tried to dispute it with the credit bureaus but it has not been removed. I've attached a copy of my credit report that shows it closed since XX/XX/XXXX and an email from the customer care company that said they can't find the records of my account. Please help me. I am also going to file a complaint against the credit bureaus for not removing this item from my credit report or looking into it even because if they had the lates would be removed from an account that is obviously closed. Please help me get this resolved.
Consumer complaint received 2018-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MI)

Im exercising my right as a consumer section 609 of the FCRA states that proper documentation has to be provided with a original signed contract with my signature. XXXX XXXX account is being reported on my credit report this account was deleted but yet is still being reported. Ill attach documents that this XXXX account was deleted from XXXX XXXX. So I need XXXX to remove this as well. Reach out to Web bank XXXX XXXX and ask them to provideyou with what Section 609 of the FCRA wants. Experian you never provide how you did your investigation what method you provided to get accurate results instead of number codes.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

Chase & XXXX has different information regarding this charge off. This account was closed twice once in XX/XX/XXXXand XX/XX/XXXX according to XXXX. Chase only has record of it being closed once. I'm not sure if they both have the same charge off date but XXXX  reported XX/XX/XXXX as the final charge off. They both have inaccurate information regarding this debt.
Consumer complaint received 2021-04-05
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. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2018-02-22
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: WELLS FARGO & COMPANY (MA)

Good morning To Whom It May Concern, During my parent 's illnesses, our finance started a downward swirl. While I worked as travel nurse back in XX/XX/XXXX, Wells Fargo Home Mortgage started the foreclosure process, I came back home to help my XXXX dad with this problem. Unfortunately, I was left with this dilemma. I joined XXXX a non-profit group and educated myself about foreclosure. The attorney and I fought against the banks for 5-6years, the Massachusetts Housing Court overturned the foreclosure ruling on my home. I got my home back in XX/XX/XXXX. Since then I was working towards a loan modification program to pay my mortgage. The loan modification was approved on in XX/XX/XXXX. I was on a three months trial which meant ( Paying on Time by the XXXX of XX/XX/XXXX, XXXX and XXXX ). The XXXX XXXX XXXX reissued the mortgage to my home. 
I paid all of the mortgages as agreed upon the contract as of the current date. 
To my surprise, I reviewed my CRA noting WFHM delinquent report for 9months. 
I addressed this information with the bank, stating unaware of the report to the bureaus. 
This false report is badly reflecting my score while rebuilding my score and hard work. 
Please help me find a solution to this problem. I would like to regain my fico score again. I will follow up with the XXXX, City Hall Mayor 's office, and my Attorney.
Consumer complaint received 2019-10-22
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. (NC)

Equifax is still reporting incorrect information. I have disputed this account several times. 
The account in question has been deleted from XXXX and XXXX. These deletions happened in XX/XX/2019. As a consumer, I honestly do not think Equifax is looking into the disputes, they are just marking the account as verified. This account has been closed more than 7 years. It is having a negative impact on my credit file. 

When I tried to verify this account mail came back undeliverable. The address for the company was updated and it was marked as verified. Since then, they have not actually looked at dispute. They are just marking it as verified. I also never received debt validation from XXXX XXXX because the address for XXXX XXXX was incorrect on my credit file.
Consumer complaint received 2018-02-22
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. (LA)

My Mortgage was sold. I have little personal credit outstanding. The new mortgage company, XXXX XXXX  is not reporting they have my Mortgage. It still reports as New York XXXX Bank and Paid. 

My Credit score has dropped XXXX points ( No outstanding Credit. ) I even have a letter from XXXX XXXX stating they have corrected this XX/XX/XXXX. They purchased it XX/XX/XXXX. According to All the Credit Bureaus it has not happened. They are still reporting my Mortgage paid off and with NY XXXX XXXX. 

I have contacted XXXX XXXX over 11 times since XX/XX/XXXX. I even have a direct line to Customer Service Escalations and he is no longer answering. I have contacted the VP of customer Service - NO RESPONSE Equifax even had my residence as one I had not lived at for 4 years.
Consumer complaint received 2018-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

This complaint is about Citizen 's Bank. I believe I have been subject to privacy and human rights violations that extend back to my time at XXXX University in XX/XX/XXXX-XX/XX/XXXX and some currently connected to theft and malicious takeover attempt of commercial projects, notably copyright XXXX which is a film related to the anti nuclear movement from the XX/XX/XXXX and XX/XX/XXXX. However there are other developments surrounding XXXX   or other issues. Unfortunately, the violations are severe. At the time I was at XXXX I had an account at Citizen 's Bank. I would like all account information and anything else logged to my name including all available investigative material. Due to takeover I would like to know any participation or conflicts of information the bank could have.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo continues to put false information on my Credit Report about a payment being late in XX/XX/XXXX. I have sent multiple messages to them and also disputed with all 3 credit bureaus and nothing has been done. They never made an attempt to call me about any late payments, my account is current and I have never been late with anything in my life. This has affected my credit score by at least 40 points, which in return does not help with interest rates. I would like some help trying to get this big bank to stop bullying me by not removing false information from my credit report. 

Thank you
Consumer complaint received 2018-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

To Whom it May Concern, On the evening ( approximately XXXX XXXX. ) of XX/XX/ I made a mobile Bank of America deposit of a payroll check from XXXX XXXX XXXX XXXX in the amount of {$5500.00}. According to Bank of America 's Cutoff times for deposits, transfers and payments -- see https : //www.bankofamerica.com/XXXX  -- mobile checks must be deposited before XXXX XXXX ET for same-day credit and as I quote from their website : " Funds will generally be available the next business day. '' After my mobile deposit was completed, I was informed via email that my funds will not be released until the date of XX/XX/ at approximately XXXX XXXX ET. Due to the large amount of funds, my payroll check falls under the deposit exception rules stated in federal regulations. However, the FDIC Law, Regulations, Related Acts states in 229.13 ( b ) that : " Under 229.13 ( b ), the large deposit exception, a depository bank may extend hold schedules when deposits other than cash or electronic payments exceed {$5000.00} on any one day. A hold may be applied to the amount in excess of {$5000.00}. To apply the rule, the depository bank may aggregate deposits made to multiple accounts held by the same customer, even if the customer is not the sole owner of the accounts. '' Bank of America is in violation of these stated regulations. Under 229.13 ( b ) Bank of America is required to release these funds as stated on their webpage. Bank of America is violating this federal regulation by withholding all monies. Under federal law, Bank of America is legally required to release the first {$5000.00} within the next business day and may hold any monies or excess over {$5000.00} for a maximum of 9-business days as stated in the FDIC Law, Regulations, Related Act. 

I have contacted their corporation using numerous mediums but their company refuses to resolve this dilemma and continues to hold my monies, including the first {$5000.00} untilXX/XX/XXXX My intent is resolve this injustice and bring attention to how this corporation is noncompliant with federal regulations. I am only one customer, but I encourage the CFPB to look further into this issue since it appears to be common practice with this entity. I am surely not the only victim. 

Regards, XXXX XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

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.

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 2024-10-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (IN)

XXXX XXXX XXXX informed me that my mortgage was being transferred effective XX/XX/year>, and they could not accept any more payments after that date. I made my XXXX payment to XXXX prior to that date, it was received and processed by XXXX which left my account paid up to date. My next payment should have been due in XXXX. I contacted XXXX several times asking how and where to make my upcoming payments. They advised me that the new mortgage company would contact me with that information, that it was common for delays during mortgage transfers, and that I would have an extended grace period because of that. On XX/XX/year> I received the first communication from Shellpoint Mortgage. It was a packet containing a regulatory notice, claiming that I was behind on my payments by {$2500.00}. My monthly payment is {$1200.00}. So I have no idea where they came up with that number. It contained intimidating verbiage about foreclosure and Shellpoints rights to foreclose. It contained no information about how to make a payment, and no confirmation of the terms of the loan, which they can not legally change anyways. I believe they are intentionally trying to create a late payment status by manipulating my ability to make a timely payment on my mortgage account. The fact that I didnt receive any type of communication from Shellpoint until 18 days after my payment is normally due, and I still dont know how to make a payment because they have not provided that information, is what I believe to be mortgage servicing abuse. Now XXXX has closed my account so XXXX cant even ask them for assistance.
Consumer complaint received 2018-02-22
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. (FL)

Equifax is reporting inaccurate information on my credit report. I received a letter from equifax stating that XXXX XXXX XXXX   account # XXXX is reporting never late never repossessed. Well I checked my credit report and they are reporting late payments and the remarks says redeemed repossession. This information is incorrect and equifax is in violation of the FCRA federal law. This account is an installment loan equifax is reporting the account as a credit card account that is inaccurate and proves they have not verified this account, they are also reporting that I owe {$15000.00} the correct amount is {$14000.00} and the account is reporting as closed when its an open active car loan! If this issue isnt resolved and updated I will file a lawsuit against equifax for illegally reporting inaccurate information!
Consumer complaint received 2021-10-29
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. (DE)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-10-07
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. (OH)

On XX/XX/2020 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 as though I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). states 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Consumer complaint received 2019-11-05
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. (PA)

XXXX XXXX continues to furnish negative tradelines on credit file. Requested validation of signature and contest to contract. During time of tradeline, I was XXXX
Consumer complaint received 2019-02-18
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. (NY)

i feel my personal informantion was taken around 2017 used to get car loans and credit for numerous lenders i was advised to submit this form to take actions for the fraudulent accounts thaf was open in my name without my authorization
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

My mortgage was bought by First National Bank of PA  from XXXX XXXX in XXXX. 

I received a letter from both XXXX and XXXX XXXX about the transfer. However, the first payment listed on correspondence from First National dated XX/XX/XXXX stated that my amount due was {$1700.00}. This is double what I had been paying XXXX. So I called XXXX XXXX Bank ( henceforth referred to as XXXX ) to settle the matter. 

During the call I was told that XXXX had not yet received documentation from XXXX and that I should not make a XXXX payment. I expressed concern that I would accrue interest or get a credit ding for a late payment. I requested a written letter stating that I did not have to make the payment, but the woman on the phone said it wasn't necessary and assured me that everything was fine. Payments would begin on XX/XX/XXXX, no interest would accrue and no credit dings would be reported. 

In XXXX ( XX/XX/XXXX ), I got a letter from XXXX informing me that my account was delinquent. So I called back the person I spoke with assured me that everyone was aware of the XXXX problem and that the letter was just auto-generated by the system. I asked if I could access my account to review the information and was told that account was still not set up. Again I was told not to make a payment until XXXX and to ignore the XXXX payment. 

When I called again today ( XX/XX/XXXX ) to see if my account had finally been straightened out, I was blindsided by a representative telling me that my account is 21 days past due. I went through the whole explanation about what had happened and was told that " due to an error in communications my XXXX payment is past due. '' So that means I was told repeatedly not to make this payment, and a week before my next payment is due, their collections department is insisting I pay XXXX. Well as you can imagine, that money is no longer liquid, in fact, it's very solid, in the form of a new sofa table. 

The people I spoke with in collections basically said that it FNBs fault for lack of communication about the situation, but what is in their system is the final word. All the while, I can't see the system. So they messed up big and now I'm dealing with the repercussions. 

I have never felt so helpless and violated.
Consumer complaint received 2018-12-29
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. (VA)

I went to the car dealership. Asked the price of the car. The guy came back with the price and I told him no thanks. Somehow he ran my credit with equifax without my authorization. I had purchased a car from them the year before and I think thats how he got my info. I did not sign anything I did not apply for financing at the dealership I told them I was just shopping around at the moment getting prices and test driving cars. I called equifax and they told me I would have to call the dealership to remove the inquiries. The dealership told me they were too busy to call equifax