davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2020-06-10
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
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. (AZ)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries 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 2020-06-10
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. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX
Consumer complaint received 2024-08-28
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. (OH)

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. 

I have repeatedly requested in writing that XXXX XXXX XXXX be removed from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. Also, XXXX XXXX XXXX is not listed in the Nationwide Licensing System as having proper certification to collect debt in the state of Ohio which voids any contracts that XXXX XXXX XXXX has in the state of Ohio prior to certification. 

Account # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-20
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. (TX)

I am a United States Veteran and XXXX XXXX XXXX I should qualify for assiatnce into help rebuilding my credit. I hired XXXX XXXX who took {$130.00} a month to repair my credit. Upon hiring them th4ey  have not repaired my credit and all three credit bureaus have not chnage the status on credit report or credit scores within the last five years Ive paid of a motorcycle and house. I purchased two vehicles one was traded in for a new one. I am still seeing things on my report that have been on there more than seven years. Please investihgate my report and correct the credit bureaus for reporting low credit scores I am trying to buy a house. Please begin your invstigation. Thank you
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (GA)

Ally Financial , Inc. has failed to remove their account completely from my XXXX Credit Report per Amended Final Approved Order issued by the Court of XXXX XXXX, XXXX pursuant to Class Action Settlement in Case No. XXXX. I am an identified member of the Nationwide Class under this order, and on Pages 7-8 ( copy attached ) of the Order it stipulates that Ally waives any deficiency balances as a result of a repossession under the case terms ( which mine was ) and will DELETE any trade lines reported to CRA 's XXXX It appears that they have removed it from XXXX and XXXX, but have not removed it in its entirety from XXXX. I am currently in the process of purchasing a home, and this account still showing on my credit report is causing issues with my loan approval that I am on a deadline with the builder to submit to avoid losing {$5000.00} deposit by not meeting the terms of the loan approval deadline. Thus, this is an URGENT matter that this be corrected immediately by Ally. Time is of the essence. I am encountering significant damages to my credit score from XXXX as a result of this account still showing on my credit report with them. Please have this removed promptly.
Consumer complaint received 2021-12-19
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX : 15 U.S.Code 1692a ( 4 ). 

XXXX XXXX : 15 U.S.Code 1692a ( 4 ). 

XXXX XXXX XXXX ( XXXX XXXX ) : 15 U.S.Code 1692a ( 4 ). 

XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX : 15 U.S.Code 1692a ( 4 ). 

XXXX XXXX : 15 U.S.Code 1692a ( 4 ). 

XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX : 15 USC 1692a ( 4 ). 

XXXX OF XXXX : 15 US Code 1681 a ( e ). 

XXXX XXXX XXXXXXXX : 15 U.S.Code 1692a ( 4 ) I reached out to these companies and Equifax also. Some items were previously removed but some remain. Some of these items were removed from other credit bureaus but Equifax did not remove them.
Consumer complaint received 2021-12-19
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: Paypal Holdings, Inc (FL)

My account been frozen with Venmo since XX/XX/2020 Ive been trying get my funds there no help My Name is XXXX XXXX my email is XXXX XXXX
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-10-22
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. (TX)

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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 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 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

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 from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2021-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (IL)

The Plaintiff does not have correct transfer of mortgage loan and investor 's title. 

Moreover, currently the present lender has the breakdown on Chain of Title on this property. 

Originally the investor XXXX XXXX was the owner of my mortgage loan for this property, since the beginning. But due to an error in the Chain of Title XXXX XXXX is not shown that they were an investor / owner since the beginning. 

I am enclosing my correspondence with present mortgage loan servicing company, and I am unsuccessful to resolve this matter of defective transfer of mortgage loan and title on this property. 

Hope to hear from you soon on this matter.
Consumer complaint received 2021-12-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (TX)

I have disputed this Wells Fargo account multiple times with the original creditor directly as well the credit bureaus. There are multiple inaccuracies reporting and all 3 bureaus continue to report the account even though there are blatant inaccuracies. The account is charged off but continues to report activity after the account was charged off by applying multiple charge offs month after month in the payment history damaging my credit score. There high balance amounts vary between the bureaus. The open dates are different between the bureaus. There are multiple dates for the date last active which prolongs how long the account will stay on my report. It also proves the account was re-aged. There are multiple dates listed for the date of last payment. There is no payment history reporting for one of the bureaus about this account. the account number is incomplete between the 3 bureaus. They original creditor has failed to enter a notice of dispute.
Consumer complaint received 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

There are multiple discrepancies on my credit report. I would like them reviewed and removed as soon as possible. And for some reason, I can not log into my account online so I would request that you communicate with me via regular mail. I want paper copies. 

XXXXXXXX XXXX XXXX  {$8400.00} technically, this account was open fraudulently and does not belong to me. I would request that you produce letter of the original debt ownership. In addition to that and feel free to check with your legal department if the account has been charged off, then it's has to be considered income on my taxes and federal law prohibits income from being reported on your credit report if you don't believe me or you disagree then I would like you to show me proof of why this account shouldn't be removed immediately from my credit report. 

XXXX XXXX XXXX first of all we've asked for this account to be closed permanently. I'm not quite sure why it keeps showing. It's open one month and close the next. There should be a XXXX balance there were fraudulent charges made on the account. We reported them as quickly as we noticed, and they approved half of them and didn't approve the other half even though all the transactions were with the exact same merchant in the same time frame and fraud is the exact same issue that all of the transactions are being disputed they approved half of them and didn't approve the other half makes no sense at all. They know very well we didn't make these transactions we've explained over and over again, apparently Bank has a long history of poor customer service and has even been investigated by the United States government There are also some unauthorized inquiries on my report. I have contacted the banks directly. They agree that they were Fraudulent inquiries, but claimed that the credit reporting agencies are responsible for removing those inquiries, but feel free to call the banks individually, and they will confirm that these Inquiries do not belong to me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I have also never lived at the XXXX XXXX address XXXX Michigan Could you please remove that from my credit report? And I work XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  years now
Consumer complaint received 2021-12-18
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX My name is XXXX XXXX XXXX am filing a complaint on my own behalf I am not a 3rd party or an attorney. I have a few accounts that are showing me at 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARES ACT was allowing for consumer protection under the CARES act with creditor offering accomidations. I have on my XXXX XXXX XXXX XXXXXXXX XXXX # XXXX date XXXX, XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status. 
I have two addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX  Please delete/remove them asap.
Consumer complaint received 2020-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TCF NATIONAL BANK (MN)

On XXXX my debit card was declined. I called TCF bank and they informed me there was suspicious activity on my account. I received a new debit card XX/XX/20 and again noticed suspicious activity on my card. I called TCF to report it. I decided to close my entire account to protect my funds. That same day I went to the XXXX, mn TCF location and closed my account and withdrew my funds. I signed off that I wished to close my account and was handed a slip stating my account was closed. My balance at that time was {$0.00} My direct deposit from my employer went through on the account after it was closed. When I previously closed my act on XX/XX/20 the teller told me and direct deposits would be rejected. On XX/XX/20 I again went to withdraw these funds. The teller told me my account was never closed but had a debit hold. On XX/XX/20 I completed the same paperwork to close my account and again was given a receipt stating my account was closed. My balance at that time was {$0.00}. 

XX/XX/20 I received mail from TCF stating my account was over drafted by {$130.00}. The letter states they will submit to collections. 

Both times I have tried to close my account my balance was {$0.00}, after withdrawing my funds. There was no reason for TCF to refuse to close my account and verbally and in writing tell me it was closed. I would like to close my TCF bank account and would like them to stop allowing transactions in/out of my close account.