davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX, Wells Fargo started the 6 years of horror for a Home Modification, which I fell victim to Wells Fargo Scam or Glitch? Lost my home of twenty years XX/XX/XXXX. Spent all my money on attorneys to desperately save my home. I did everything W. F. ask for in a quick and timely manner, it was a vicious circle. I always felt uneasy, scared, desperate, sleepless nights, weight loss, could not eat. W.F. was less than kind or sympathetic. Wells Fargo attorney actually called me a Liar and a Thief and stated it was the end of the road for me ( homeowner ) and the time in my home was over. Very Very unprofessional, heartless to say the least. Already filed a complaint about Wells Fargo. I want to be heard and not for gotten. Wells Fargo owes me and many others a home or the equivelent amount of money our homes were worth at the time W.F. foreclosed on us.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXXXXXX This account is not only incomplete, it's inaccurate. 

Why are there so many missing fields of information? Did XXXX XXXX  not supply that information to you? 
Why isn't XXXX XXXX isn't reporting any payment history at all? 
How can I be on time in XXXX of XXXX with Experian but 30 days late with XXXX? 
How can I be 30 days late with Experian and 60 days late with XXXX in XXXX of XXXX 
How can I be 60 days late with Experian and 90 days late with XXXX in XXXX of XXXX 
How can I be 90 days late with Experian and 120 days late with XXXX in XXXX of XXXX 
Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting. 
This has caused me to suffer and its defamation of my character.
Consumer complaint received 2024-11-01
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. (GA)

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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-11-01
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. (MD)

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 XXXXXXXX I told Transunion, and XXXX to reinvestigate this account repeatedly .However the entire report is fraudulent and inaccurate. But how is this report verified with all the inaccuracy? open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Falsely reporting on the legend 2year history. I uploaded the proof this entire account is inaccurate and must be removed immediately
Consumer complaint received 2024-11-01
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. (TX)

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$4700.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$160.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Follow-up Complaint Failure to Correct Inaccurate Reporting and Verification Issues Dear CFPB Representative, I am writing to aggressively follow up on my initial complaint regarding inaccurate and conflicting reporting on my credit report by Equifax, XXXX, XXXX. The account in question has been improperly verified, and no corrective actions have been taken to align with the Fair Credit Reporting Act ( FCRA ) 611, even after my formal dispute. This lack of resolution is unacceptable.

Despite my previous complaint, the following inaccuracies remain : XXXX XXXX XXXX XXXX XXXX 1. Charged-off account still reporting a balance Violates proper reporting guidelines as charged-off accounts should not carry balances.

2. Multiple Date Opened entries Three conflicting dates are listed, contributing to erroneous reporting.

3. Past Due Amount listed on a charged-off account An inaccurate status that misleads the creditworthiness of the account.

4. Inconsistent dates for key account events : Date Last Reported Comments Section Date of Last Payment Date Last Active Date Opened Account Type This mishandling of data reflects non-compliance with the FCRAs requirements for accurate and fair reporting. The continued presence of such discrepancies on my credit file directly harms my credit profile and financial opportunities.

I demand that the CFPB take swift action to investigate this matter thoroughly and ensure that [ Equifax, XXXX, XXXX ] corrects the reporting immediately. Additionally, I request that all inaccurate data related to this account be promptly removed or corrected to reflect the correct information. 

Should this matter remain unresolved, I will explore all available legal avenues, including filing additional complaints with federal and state agencies or pursuing legal action, to ensure that my consumer rights are protected. 

Please treat this letter as a formal and urgent request for action. I expect a written response within 15 days confirming the specific steps taken to resolve this issue. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (IL)

Each month even know I have made all payments and even paid off the card and keeping balances low they keep decreasing the credit card limit on the card which consistently ding my credit score. These are unfair business practices for honest working consumers who are truly trying to improve their situations. I have paid off all credit cards in XXXX which I know my score is XXXX now and improving as I am in the process of purchasing a house. Once again this card lowers my limit after making all this progress on improving and being a responsible person with credit. Does not seem fair or right. Called and the only thing the representative would do is send a request to increase, which would run my credit again ( which dings it again ) for them to increase the limit back to the lower amount they just gave me a few months ago ( XXXX ). This is not fair business practice. I have two cards with them and this is what they did to both cards. He said they will review again in XX/XX/2023.
Consumer complaint received 2022-08-05
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: Resurgent Capital Services L.P. (CA)

They have been selling my information, which is not their place. They have also been able to furnish my XXXX XXXX for me without my consent. Which is against the law according to the congressional findings 15 USC 1681 ( b ) ( XXXX ). They've assumed the responsibility. According to the congressional findings, under the law 15 USC 1681 ( a ) ( XXXX ), congress made it clear that they have assumed this role. 
Also under 15 USC 1681 ( a ) ( XXXX ), they did not exercise their grave responsibility, they were unfair, they were partial, and they have not respected my right to privacy. Again i have never given them permission nor have I instructed them to furnish or create any of the things on my credit report.
Consumer complaint received 2022-08-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Bread Financial Holdings, Inc. (FL)

I, the consumer and natural person was denied credit by Comenity Capital Bank when I applied for {$11000.00} for a dental procedure with XXXX XXXX XXXX I, the consumer entered into XXXX credit transactions with Comenity Capital Bank that took place on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The transactions was of no benefit to me. That action was a willful act to disregard 15 U.S. Code 1602p. This is solid proof of the unauthorized use of my credit card by Comenity Capital Bank. My credit card was charged directly by your company with willful intent to deny me of my right and defraud me of the money obtained through this transaction. 

As the cardholder my credit card was used to apply for credit. Each time I was denied my right to credit which is unlawful. I, the consumer exercised my right to credit in good faith and was discriminated against without the proper explanation. According to the Dodd-Frank Act amendments creditors are required to provide applicants with written valuations developed in connection with all credit applications. Comenity Capital Bank did not adhere to the ECOA or provide the consumer with where they got the information from that caused the illegal denial.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have sent out many attempts to resolve the situation with Transunion. I have accounts on my report that doesnt belong to me and per the FCRA they are to be removed immediately.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/XXXX, I went into XXXX to set up new service on a phone. I asked several times if the transunion pull was a hard or a soft, and I was told soft by the store. We spoke to the credit bureau, and they informed me it was a hard pull. I told them I did not want to move forward, but thanked them for their time, and transunion pulled my credit anyway. When the XXXX XXXXXXXX  representatives told them that they asked them not to pull my credit, transunion hung up the phone. Ive called them at least XXXX times to report this and they keep hanging up.
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am not really sure what happened other than I am being told BOFA has reported an account as fraud, I don't have any knowledge of what they're referring to so I filed a dispute with XXXX XXXX as they're the ones provided information that impacted the bank in denying my request to open a checking account with XXXX XXXX and XXXX XXXX. I was made aware of the claim when I attempted to open an account with XXXX XXXX XXXX and was told the account had restrictions and XXXX  XXXX stated the same. I sent a dispute on XXXX because I honestly have no idea what this is. A response was returned from BOFA stating it was verified as accurate however NO documentation was provided supporting the validity of the claim. No amount, nothing! Just a side note I am not quite sure when this took place however I have been a victim of identity theft on more than one occasion an as recent as XX/XX/2020 someone file a fraudulent unemployment claim while i was clearly working that I had to dispute and filed a complaint with the FTC. I am getting ready to send a complaint with XXXX as I just got an email with an invoice from XXXX stating thanks for a payment and I HAVEN'T authorize ANY XXXX  XXXX payment this is getting so fustrating!! So I am escalating this matter with the hope that you guys can resolve this issue for me. Thanks!
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (IL)

As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts. I am not responsible for this debt, I do not have a contract for this account, and you have not provided me with the initial application as requested.
Consumer complaint received 2022-08-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (VA)

I resided in a community rental " XXXX XXXX '' when the Covid started, after 4 to 5 months I was laid off among 150 other employees due to Covid from the same company, it became a hardship to pay the bills and the rent so I decided to move instead of getting a " Notice to vacate or Evicted ''. They said regardless of the situation I had to pay 3 months in order to move out, they did not care about the Covid situation due to loss of employment and If I did not pay I will be put in collections. So they did anyways and now my credit is hurt due to an unexpected situation that happened to millions in the US and other countries. I need this removed from my credit. 


COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX MONDAY-FRIDAY XXXX TO XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX, VA XXXX Original Creditor : XXXX XXXX Placed for collections on : XX/XX/2021 Original Principal : {$6500.00} Current Principal : {$6500.00} Interest Due : {$12.00} Total Due : {$6500.00} XXXX XXXX, As you are aware, your account is past due. Since we have not received any response from you regarding your balance, we request you choose one of the following : Mail the past-due amount today to the above address. 
Mail a post-dated check today dated for any date this month that funds will be available. 
Contact the undersigned account representative so satisfactory arrangements can be made. 
Your attention to this matter is important to avoid further collection efforts. If payment has already been remitted, please call and notify your account representative promptly upon receipt of this notice. 

*To make a payment or setup a payment plan, go to www.genesiscred.com. 
Sincerely, COLUMBIA DEBT RECOVERY LLC DBA GENESIS ( XXXX ) XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX XXXX XXXX XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXXXXXX XXXX XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXXXXXX XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX ( XXXX ) Account number : XXXX : Balance : {$950.00} -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX ( XXXX ) Account number : XXXX : Balance : {$800.00} -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX XXXX, XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX  XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have XXXX loan aunts with XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX {$12000.00}, loan date open XX/XX/2003 XXXX. XXXX {$11000.00}, loan date open XX/XX/2003 Experian XXXX XXXX erroneously shows XXXX loans/it lists each loan XXXX thus incrading he total XXXX that I reportedly owe. 

XXXX. XXXX {$12000.00}, loan date open XX/XX/2003 XXXX. XXXX {$11000.00}, loan date open XX/XX/2003 XXXX. XXXX {$12000.00}, loan date open XX/XX/2003 XXXX. XXXX {$11000.00}, loan date open XX/XX/2003 I have filed several disputes with Experian as well as poke to them on the phone where they acknowledged the error but have never corrected it.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX  XXXX Account number : XXXX, XXXX XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX xxxxxxxxxx, XXXX XXXXXXXX XXXX Account XXXX : XXXXXXXX XXXX  Account number : XXXX, XXXX XXXX XXXX XXXX account 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 an account without my written instructions
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I feel taken advantage of since my disputes are being ignored! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this account!!
Consumer complaint received 2024-10-23
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. (TX)

I sent out letters to all bureaus and still have yet to receive a reply. It has been more than sixty seven days since I mailed dispute letters. And over thirty one days since my last complaint filed with cfpb. And yet I still havent heard anything. Nor has the problem been resolved. My rights are being violated. And I refuse to allow more time for them to try and correct the inaccurate information. When the laws clearly state the allocated time they have and what will occur if situation is not handled appropriately. I wish to have all inaccurate information removed and I request compensation for the stress and duress this process has put me under. 15 USC 1681 s2 ( A ) ( 1 ) clearly states that 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! I have in my possession U.S. Postal Service CERTIFIED MAIL RECIEPTS. Dated XX/XX/2024. That were mailed to all three reporting agency asking for a correspondence and proof of these accounts through certified mail. And I have yet to receive a response. Supporting their claims. And then I also sent an cfpb complaint on XX/XX/2024 and still have yet to receive any letters or documentation proving that I am obligated and have a contract with the companies who are reporting these inaccuracies. The allocated time has expired.