davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-30
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. (MN)

Trying to work with Equifax has been horrible. Terrible language barrieries and repetitive script reading. I have submitted multiple FTC reports regarding the inquiries. These have yet to be removed because the agents at Equifax can not read. Here are the inquiries I have requested several times to be removed. 

( ( XXXX XX/XX/XXXX ) ) ( ( XXXX XX/XX/XXXX ) ) ( ( XXXX XX/XX/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 2022-06-30
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. (MN)

Trying to work with Equifax has been horrible. Terrible language barrieries and repetitive script reading. I have submitted multiple FTC reports regarding the inquiries. These have yet to be removed because the agents at Equifax can not read. Here are the inquiries I have requested several times to be removed. 

( ( XXXX XX/XX/XXXX ) ) ( ( XXXX XX/XX/XXXX ) ) ( ( XXXX XX/XX/XXXX ) ) ( XXXX XXXX XXXXXX/XX/XXXX ) ) ( ( XXXX, XXXX XX/XX/XXXX ) ) ( ( XXXX XXXXXX/XX/XXXX ) )
Consumer complaint received 2022-07-01
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: EQUIFAX, INC. (PA)

The Credit bureaus stated - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, - Account name missing XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This ground for removal. 

They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Clear states the credit bureaus have 5 days to notify me from when they receives my disputes.

They Also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ( IN ( li ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof that you have on file for the account listed below. XXXX. XXXX XXXX XXXX. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account I demand that the following account be verified or removed immediately : 1. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2016-12-16
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (IL)

I am in the process of refinancing my USDA guaranteed rural housing mortgage, currently held by Wells Fargo, through a new bank, XXXX. We have encountered a problem with Wells Fargo. The payoff statement that Wells Fargo issued to XXXX classifies my mortgage as a conventional mortgage instead of a USDA guaranteed mortgage. My closing documents from XXXX, the mortgage company that issued the original loan in 2011, shows my loan as a USDA rural housing loan. However, the mortgage was sold to Wells Fargo who has classified it as a conventional loan, despite all documentations showing that it is indeed a USDA rural housing loan. Wells Fargo has acknowledged that the paperwork shows that it is a USDA loan, but they have yet to make the change so that I can complete the refinancing process. 
One of the Wells Fargo employees that I spoke with on the phone suggested that this is how Wells Fargo treats all of their USDA loans. If that is the case, then this is illegal and should be investigated by the CFPB.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

I am unable to get my XXXX and Equifax credit reports via XXXX. The website does not provide a reason for this but instead suggests I contact both bureaus. A postal address is provided for XXXX. No contact information is supplied for Equifax. 

I have tried and failed to speak with someone at both XXXX and Equifax. On several occasions I was waiting to speak to someone for over an hour. 

Note that I can access my XXXX credit report via XXXX. It is not clear to me why it works for XXXX but not the other 2.
Consumer complaint received 2022-06-30
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. (NV)

This has been like the 5th time I have accounts and other info on my credit report from identity theft. I have submitted a police report to all three credit bureaus, froze my credit, and filed claims with them directly and not only is there still fraudulent Info still on there but someone has been able to get another account on my credit fraudulently even after I put the fraud alert on it. There is now an account from XXXX XXXX XXXX  that was open in XXXX of 2021 and incorrect reporting of late payments on the mortgage I had with XXXX XXXX when they were not late but on forbearance. I am tired of these bureaus not doing the proper investigation to remove fraudulent accounts and errors and still allowing it to happen.
Consumer complaint received 2022-07-01
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. (GA)

I have a 30-day late payment status on my mortgage account listed on my credit report, called XXXX XXXX XXXX XXXX XXXX which date was opened on XX/XX/2018. I have disputed this account with Equifax and they have not removed/updated this account to reflect a " never late ' payment status from my credit report and Equifax and XXXX XXXX XXXX XXXX XXXX XXXX the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this 30-Day Late Payment from my mortgage account immediately and if it is not removed, then I will be filing a lawsuit against Equifax and XXXX XXXX XXXX XXXX for not removing this inaccurate late payment status from my credit report. I have attached a copy of a letter which I received from the creditor, which I already reported to the credit bureaus already. In the letter they stated that this 30-Day Late Payment Indicator is an error on their end and for the credit bureau to update the record to show pays as agreed and a never late status. Therefore, I have attached it to this complaint.
Consumer complaint received 2022-06-30
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX : XXXX ; XXXX XXXX : XXXXXXXX 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.
Consumer complaint received 2024-10-27
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. (FL)

Today, unauthorized inquiries appeared on my credit report out of nowhere, leaving me baffled. I went through my report as I do routinely, and this time there were errors. After refreshing my browser in case it was just a glitch, the entries didnt disappear. Please conduct a careful review of the documents Ive sent, as I need this resolved urgently to avoid further stress.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom it May Concern : I have an ongoing issue with TransUnion. Macys department store placed XXXX identical negative reporting on my credit file. In fact it only applies to TransUnion. 

Macys account contained around {$200.00} in unauthorized charges that they never investigated and now it grew up to {$700.00}. I have tried to check my account online, but it transfers me to XXXX credit cards. When I enter all the info - it says they have no info about such account existence. I contacted XXXX - no response. 

So I am tried to dispute the accuracy. As a result- they placed XXXX more negative report on my file. So now my report contains XXXX negative identical reports for the same XXXX thing. 

I tried to explain this to Transunion - included screenshots, sent copies from other credit bureaus, showing that the account numbers are the same and amounts/opening/closing dates are the same. Nevertheless, they sent me the same " updated '' report, saying thank you for the concern, both negative reports will remain on your file. 

So at this point I will be filing the complaints with Government agencies, to see if you could help me with it. I dont know if TU does not investigate the cases, or they have too many incoming cases to review, that in the end they dont even review anything at all. Or just the poor training of investigators. 

I have copies from Transunion if CFPB needs in order to pursue the investigation. 

Thank you.
Consumer complaint received 2022-12-30
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 submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-01
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: 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.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAME : EMPLOYER : XXXX ADDRESSES : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX NAME : EMPLOYER : XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX SALES XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX NAME : EMPLOYER : ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX  XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (FL)

Earlier in XXXX I filed a dispute for an overpayment. I over paid my credit card company by {$60.00} making a {$360.00} payment instead of a {$300.00} payment. After experiencing difficulty resolving it with the credit card company I filed a dispute with chime. Chime resolve the {$60.00} dispute and credited my account. However, on XX/XX/XXXX I received a letter From my credit card company advising me that they had returned my payment for {$360.00}. Ive been contacted Chime to find out why the {$300.00} had not been credited to my account. After much confusion and runaround I still dont have an answer nor my {$300.00}. I filed a dispute and provided chime with documentation supporting my claim yet it appears to have been closed and I was not given any notification!
Consumer complaint received 2022-06-30
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

The following company has violated my rights in accordance with FCRA and has failed to do a proper investigation of this debt. This company continues to report the inaccurate Item called XXXX XXXX XXXX. Upon researching my credit report I noticed a number of Inaccuracy and inconsistencies. For example... 

Example 1 ) Payment status being reported to XXXX as collection/charge off and being reported to equifax as 120 days late. 

Example 2 ) last report date shows XX/XX/XXXX for XXXX and for equifax shows XX/XX/XXXX. 

example 3 ) date last active is also incorrect showing XX/XX/XXXX for XXXX and XX/XX/XXXX for equifax. 

Example 4 ) date of last payment not showing on XXXX but shows XX/XX/XXXX for equifax. 

Example 5 ) the two year payment history has some inconsistencies as show XXXX debt is charged off but is being reported to equifax as ok. 

Example 6 ) How come XXXX report this account as closed but you are still report this as an open account and if an account is closed how can it be in collections still. 

15 U.S.C 1681e section B States whenever a consumer reporting agency prepares a consumer report it shall follow maximum possible accuracy of information concerning the information concerning the individual about whom the report relates. As you can see there are so many inaccuracies and being reported causing detrimental harm to my character. 

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 states a consumer reporting agency can not furnish a account without my written instruction. I did not give consent for you to report this.
Consumer complaint received 2024-10-27
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. (FL)

Unauthorized inquiries unexpectedly appeared on my credit report this morning, and I have no explanation. While I regularly check my report, this issue came out of nowhere. Refreshing my browser did nothing to fix it. I need a swift resolution with a thorough check of the documents I provided, as this has been extremely frustrating.
Consumer complaint received 2022-10-31
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (OH)

XXXX, Wells Fargo and XXXX were all harassing me while making the minimal payment. I found a company that said they could consolidate my debt and after paying them off I would be in the clear. I paid off the consolidation company back in XXXX  and I am still receiving correspondence claiming that I still owe money.
Consumer complaint received 2022-06-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Went to court over the XXXX  XXXX account XXXX and showed the judge my evidence that this account was not mine and if my information was used to open it, it was done in fraud. The judge agreed with me and issued a judgment in my favor. This needs to be removed. Despite that order for the judge, XXXX and Equifax refused to remove the reporting and tradeline in fulls as ordered. They simply say the creditor verification says its mine. The courts say otherwise and yet this remains unjustly on my credit report
Consumer complaint received 2020-07-16
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: DISCOVER BANK (MO)

I was approached via email and telephone about an employment opportunity with XXXX XXXX XXXX  XXXX XXXX as a XXXX XXXX. I was offered a position and accepted. The company stated they were going to pay my personal credit card balances so that I could purchase XXXX products for export. Two separate bank accounts were provided and both have reversed charges back to my credit card. 
I am now {$43000.00} in debt to Discover, {$16000.00} in debt to XXXX, and {$13000.00} in debt to XXXX XXXX XXXX  XXXX XXXX. 
I have filed a report with the FBI.
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/2020, a payment of {$800.00} was made to Carecredit/Synchrony Bank, which paid the outstanding balance in full. 

On XX/XX/2020, XX/XX/2020 and XX/XX/2020, CARECREDIT / SYNCHRONY BANK have drafted {$140.00} from my XXXX XXXX  account, resulting in overdrafts on two occasions. This has moved the Carecredit account into a credit balance. They have refunded this with a check that takes a week to receive for the XX/XX/XXXX and XX/XX/XXXX drafts. I have requested a refund of the XX/XX/2020 draft but it has not been received. 

I have spent hours on the phone with Carecredit and they say that the payment is initiated by XXXX. I have also spent hours on the phone with XXXX and are assured that this is untrue. In addition, I never set up on my XXXX online account or by phone to do bill pay. I always initiated payments through Carecredit/Synchrony website. In addition, XXXX verifies that these are ACH requests they are receiving from the merchant. 

I can not continue to have {$140.00} a month withdrawn from my checking account to a credit account that has been closed and paid completely in full. I have spent at least 8 hours across these three months with Carecredit and there is no real help that they have provided. Please help.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NC)

I was informed via email on the evening of XXXX XXXX by discover card that my account has been closed as they were not able to verify my personal information as it looks like they sent me the form and they did not receive it. I already sent and signed all the form which I was asked and sent it to them right after I was asked on XXXX XXXX. I have confirmation for XXXX XXXX where I signed the form and sent it to back and was told all parties have been informed.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a response from TransUnion stating they verified an account as accurate. I looked at my credit report today XX/XX/year>, and still see incomplete and inaccurate information. According to the FCRA, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. The file number is XXXX. 

XXXX XXXX - XXXX - Information is reporting inaccurate and is still not correct.

So I request a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 and 15 USC 1681i ( 5 ).