davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
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: Experian Information Solutions Inc. (FL)

I need your assistance with this incorrect account showing up on my credit report. This issue has XXXX impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2015-09-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CHS, Inc. (VA)

I had XXXX medical bills that were extremely high to pay. I was told to submit an application for financial assistance. On XXXX separate occasions I was contacted by letter being advised that they needed some additional info., which was provided each time. The process took quite some time, but it was eventually processed, and during this time I told time that I would pay what I could, which I did. During this time the health center 's billing dept. turned this acct. over to collections ( SCA ) and they took little to no time placing it on my for credit report. After my application was finally reviewed and approved, the bill was retracted and adjusted. The health facility took full responsibility for their error and retracted the bill, so when I call SCA they said the balance had been taken care of and that I owe {$25.00} which they were advised was already paid, they said they never posted anything on my credit report, which was n't true, I told the gentleman that I 'm sitting here looking at my credit report. The next day I called back and spoke with another rep. and was told they would be updating their information on the XXXX of the month, well here it is the end of the month and no update, the acct. still shows as being in collection, status is still unpaid and acct. still open. This has been a total waste of my time dealing with them and they clearly do n't care and have dropped the ball pertaining to my account.
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I went through a bankruptcy and came out with a negative balance for my insurance and taxes against my home after 5 years with interest. I request a modification and it took close to two years and the loan was only modify by adding the balance back to loan and the rate stayed the same and I ask why the rate stayed the same I was told that the modification was to ketch me up not make it comfortable. My payments was XXXX and thru my trial modification XXXX a month. Now I am asked to pay over XXXX a month. I also found out that a lean was put on my property.
Consumer complaint received 2024-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXX {$300000.00}
Consumer complaint received 2015-06-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (PA)

I had a car loan with Wells Fargo Dealer Services. The car was in acar accident and I was told by my insurance company the loanwould be paid off. I was also in the process of moving. I nevercontacted Wells Fargo to give them my new address becauseI was under the assumption that the loan was paid off. Wells FargoDealer Services sent me a XXXX letter dated XXXX 2012So I could purchase my current car. I disputed this with Wells Fargoas well as XXXX for reporting this inaccurate. XXXX changedthe dates several times. Please see attached. Wells Fargo is tryingto say they faxed a copy of the XXXX letter with the wrong datethis is not true. I found the letter they mailed me back then. I con-tacted Wells Fargo and spoke to XXXX XXXX who not only signedthe XXXX letter but said Wells Fargo sent out a letter via mail thatthe insurance did not payoff the loan in full and I was responsible for thedeductible. She verified that the mail came back undeliverable so thenthe began calling me. When they contact me I did make the paymentover the phone. My rights are being violated on a few levels. On XXXX level this has been repeatedly updated with the dates changing several times by the furnisher andthe credit reporting agency. Section XXXX states that the respons-ibilities of the furnishers of information to consumer reportingagencies. subtitle a reporting information with actual knowledgeof errors is against the law. Also after it is confirmed that this is anerror and still reporting it is illegal.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX ...., XXXX XXXX ...., XXXX XXXX ....
Consumer complaint received 2024-08-26
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: EQUIFAX, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
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 2015-12-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DYNAMIC RECOVERY SERVICES, INC. (OH)

I had a issue with my ex wife in XX/XX/XXXX and we went thru a 4 year divorce and bills were handled in the divorce court and my ex wife 's bankruptcy. Now XX/XX/XXXX I am getting these calls from Dynamic Recovery Solutions, and they will not listen and call me at work even when told not to, they call every morning at XXXX. XXXX XXXX is the Ops Manager, address of XXXX XXXX XXXX. XXXX South Carolina. XXXX.
Consumer complaint received 2015-11-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Eagle Recovery Associates, Inc. (IA)

Eagle recovery has called me multiple times on my cell phone and at work saying I owe over XXXX on a bill I 've paid. They have threatened to serve me with papers at my place of employment if I do not pay over the phone. I checked and I do not owe this debt. It has been paid. I told eagle recovery to not call me at work or on my cell again because I do not owe anything. They continue to call.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Ive been calling Equifax every day for past 3 days and they will not help me. This is my 6th time trying to fix this situation with Equifax and they do not seem to care what goes on, I have let them know in past complaints that there are unauthorized inquiries in my report, and since these are not mine they should be completely wiped out and deleted from my consumer report. I have called in several times and the customer service line never wants to help, they put me on hold for 20 minutes or more and ask me to talk to the issuing company about the inquiry. Why? I did not make those inquiries, I supply them with all my correct personal information so they know its me, and im letting them know that they are completely unauthorized, yet they do not do anything about it. Equifax has impeded me from getting other credit products and this is just unfair since I pay all my debt and due dates on time every single month. This company is supposed to be protecting customers and they need to be corrected and I wish they would listen to consumers. They are causing me constant depression and stress, please help.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. Account : XXXX XXXX  XXXX XXXX ( CLOSED ACCOUNT ) payments late year XXXX In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and XXXX Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2024-08-25
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. (VA)

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. XXXX : XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX DEPT of Education/XXXX : XXXX. 
I looked at my Transunion credit report on XX/XX/year> and noticed errors and information that is not accurate. According to the fair credit reporting act, 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or delated from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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 : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : My payments were made on time and before the due date. I have attached bank statements and payment confirmations showing that the payment was processed well in advance of the deadline. This payment should not have been marked as late. 
Clerical Error at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  customer service, they confirmed that the late payment entry was a result of a clerical error in their system. The payments were applied to the wrong account, which delayed its proper posting. I have attached correspondence from XXXXXXXX XXXX acknowledging the error and confirming that the payment was made on time. 
Inconsistent Payment Posting Date : The payments in question were processed on time, but XXXXXXXX XXXX reported varying posting dates to different credit bureaus. This inconsistency between XXXX, XXXX, and Equifax indicates a reporting error on their part. I have attached documentation showing the discrepancies in the reported dates, which suggest the late payment is inaccurate. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : My payments were made on time and before the due date. I have attached bank statements and payment confirmations showing that the payment was processed well in advance of the deadline. This payment should not have been marked as late. 
Clerical Error at XXXXXXXX XXXX : After contacting XXXX XXXX XXXX customer service, they confirmed that the late payment entry was a result of a clerical error in their system. The payments were applied to the wrong account, which delayed its proper posting. I have attached correspondence from XXXX XXXX acknowledging the error and confirming that the payment was made on time. 
Inconsistent Payment Posting Date : The payments in question were processed on time, but XXXXXXXX XXXX reported varying posting dates to different credit bureaus. This inconsistency between XXXX, XXXX, and Equifax indicates a reporting error on their part. I have attached documentation showing the discrepancies in the reported dates, which suggest the late payment is inaccurate. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Date:XXXX Subject : REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY Inquiry made by Inquiry made on : XXXX To Whom It May Concern I am writing to dispute the following information in my file. I recently received a copy of my credit report, and! :, notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act : {$720.00} ( was credited toward the error debt ) as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation ; and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please : send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so il may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit : inguiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my : credit file ( XXXX XXXXXXXX XXXX XXXX from XXXX XXXX  ) Please be so kind as to forward me documentation that you have had the unauthorized inquiry : removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. : According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. : Your immediate attention to this matter is appreciated. Thank you XXXX XXXX