davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was mentioned in my previous COMPLAINT #, and I include it again. Please don't ignore my request to repair these inaccurate items in my file. 
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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-01-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo only allowed me 15-16 months of forebearance instead of the 18 I should be eligible for. My last call to them I was put on hold for 30 minutes and never received any answer regarding the problem. I have had XXXX XXXX times and was XXXX XXXX times in the last XXXX XXXX I should be given the additional XXXX months of forbearance and can bring the account totally current in that time with no issue. I also will have increased income starting this month and will be able to fix up the property to sell it if needed or wanted by myself. 
I request the sale date be moved out 60 days so I can bring the account current and also have the opportunity to benefit from my $ XXXX in equity by selling or refinancing the property. 
My credit score is up over XXXX points in the last 90 days as well. I want to salvage this loan or refinance it to continue my upward momentum in terms of my credit score. 
This loan is XXXX or XXXX backed. Please have Wells Fargo give me the additional time to get this loan current. I currently have a good chunk of the reinstatement amount available and will have all of it within XXXX days with no issue. 

Thank you for your time, patience and assistance!
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2024-09-25
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. (IL)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (NY)

I found out someone opened a credit card account with the company in question in my name and called to close the account in 2019. I filed an identity theft report as they had also opened a XXXX XXXX card in my name, with my FTC Report Number being XXXX. XXXX XXXX closed the account immediately and removed it from my account. Indigo, however, closed the account by did not remove it from my credit report. 

Recently, I checked my credit report again, only to discover this account was closed but still reporting late payments. When I was able to gain access to an online account, I learned that not only were the statements going to an address in Virginia I've never lived, but the phone number and other important information was also incorrect. I have lived at the address starting in XXXX in New York since 2019 and the address starting in XXXX New York my whole life before that. I have never lived out of state or even out of my hometown. 

Indigo argues that they used my social security number and birthday to sign up for the account, which of course they did. That's what happens when someone steals your identity. They also claim they sent information to my address, but they either sent it to a wrong address ( if it was an address beginning in anything but XXXX or XXXX ) or it was stolen from my mailbox, hence was I initially reported it stolen and closed my account. They claim they've sent an affidavit of identity theft, but if they sent it to the address they had on file, they've sent it to someplace in Virginia I have never lived. If they check my credit report, they'll notice that they're the only ones reporting it as my address, as I've never lived there. 

So in summation, Indigo did not get my address, phone number, or anything else correct but issued a card to someone and, despite being alerted it's fraud, is negatively reporting on my credit report, sending important communication to the thief 's address.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

I recently noticed a hard inquiry on my credit report made by XXXX XXXX XXXX. The inquiry may have reduced my credit score substantially. I had no idea why the inquiry was made so I contacted XXXX XXXX XXXX. They said it was due to an application for a XXXX XXXX XXXX which they had denied for lack of additional information requested from the applicant. I, myself had never filed any application for a credit card through XXXX XXXX XXXX. I assured XXXX XXXX XXXX  that the application was not done by me and was fraudulent. I requested they remove the inquiry made against my credit report and they agreed it appeared fraudulent being done online and the applicant not being able to supply the additional information requested by XXXX XXXX XXXX. They assured me their inquiry on my credit would be deleted and a fraud investigation would be undertaken and any decrease in my credit score would be reversed. They also asked me to file a victims report with the XXXX credit bureaus, XXXX, XXXX and Equifax but I had trouble finding the right documents to file at the XXXX credit bureaus so I am requesting CFPB help me in making the complaint in filing a victims report of fraud with the XXXX credit bureaus as requested by XXXX XXXX XXXX. The inquiry by XXXX XXXX XXXX  was done on XXXX XXXX, 2024. The application was attempted fraud by persons unknown at this time and not filed by me, XXXX XXXX. The XXXX XXXX XXXX  associate was very helpful in explaining to me why a credit inquiry was done at which time I assured her, the application for a credit card she just revealed to me was not done by me and indeed fraud. I was told the undertaken investigation and its results would be shared with the credit bureaus and me and XXXX XXXX XXXX  would immediately withdrawal their inquiry which very possibly had reduced my credit score as much as XXXX points. I am filing this complaint as requested by XXXX XXXX XXXX  as a victims report of fraud to be forwarded to the XXXX major credit bureaus. Thank you, XXXX XXXX XXXX : original complaint # XXXX
Consumer complaint received 2024-08-18
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. (NY)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-08-18
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. (TX)

Please Remove and Delete these accounts immediately as they were opened fraudulently without a valid written signature of the original contract. I never had a contract with these debt collectors for any debt. Please provide proof from the original creditors that these debt collectors own these debts with the purchase agreement and have the legal authority to collect it or delete these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my numerous requests to tell you that I am a XXXX XXXX XXXX XXXX  and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2023-05-06
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. (GA)

I'm submitting this complaint to notify the credit bureau AGAIN that I was a victim of identity theft. It appears that the credit agency is unconcerned by my desire to challenge unlawful things on my credit record. Because this is a clear breach of FCRA laws, I require that the items be removed from my file as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-18
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. (CA)

Upon reviewing my credit profile, I discovered some credit card and vehicle loan accounts that are not 100 % true and can not be validated in any manner! These items are not being reported as 100 % accurate! I am aware that reporting any information, data, credit cards, or inquiries that do not appear to be 100 % correct is against the laws that safeguard me and other consumers. Within Because these fake collections on my credit report are a serious violation of not reporting an account 100 % accurately, I have the right to sue Experian and XXXX and XXXX for violating the Fair Credit Reporting Act, which states that everything on my credit report must be 100 % true under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ). If not I can sue these companies for {$1000.00} per violation in federal court!
Consumer complaint received 2023-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (UT)

My new loan servicer ( Mohela ) is showing a balance due on 2 loans that were paid off to the prior loan servicer ( XXXX ). I have written to Mohela twice ( XX/XX/XXXX and XX/XX/XXXX ) and provided documentation of payments which were made toward these loans. I requested a complete list of how all payments made were applied, including payments which were made while the loan was still being serviced by FedLoan Servicing. Mohela has not provided a substantive response to this request. Despite contacting them as soon as they took over my loans and then again a year later, and providing documentation of the payments that were made toward these loans, they have failed to rectify this problem and they still show that I have a balance due on these 2 loans. It is not clear what XXXX did with the payments I made toward these 2 loans. These payments were made manually, separate and apart from the auto payments being made toward my consolidated loans. Additionally, I designated how each of these manual payments was to be applied toward these 2 loans and at the time, XXXX showed these 2 loans as having been paid in full. Unfortunately, I can not access my XXXX account information and it is not clear why the information transmitted to Mohela was incorrect. Nonetheless, Mohela has wholly failed to respond to this situation.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

Ive been working on this for 4 months going on 5 back to back.. Ive sent letters to bureaus for months and nothing has happened, Im struggling and get anything in my name Im being denied for everything. If actions are not taken immediately Im going to sue for every violation.
Consumer complaint received 2024-08-18
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. (NY)

I am writing to dispute an inaccurate item on my credit report, which I have obtained from your bureau. I am requesting the removal of this negative item under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1679c. 


Account Name XXXX XXXX Account Number # XXXX Reasons for Dispute : 1. Last Verified On XXXX the last date verified XX/XX/XXXX on Experian XX/XX/XXXX and on XXXX XX/XX/XXXX 2.Date of last Activity on XXXX XX/XX/XXXX on Experian XX/XX/XXXX and on XXXX XX/XX/XXXX XXXX Reported on XXXX XX/XX/XXXX Experian XX/XX/XXXX and on XXXX XX/XX/XXXX 4.Credit Type on XXXX XXXX XXXX on Experian Person Loan Companies And on XXXX Auto Financing 5.Payment Status on XXXX XXXX or paying as agreed on Experian Current was past due 90 days and XXXX Pays account as agreed 6.Account Type on XXXX Installment account on Experian XXXX XXXX and on XXXX Installment 7.Late payments on XXXX Experian and XXXX XXXX XXXX 90 days late then XXXX XXXX 30 days late XXXX XXXX XXXX 30 days late, XXXX XXXX  30 days late and XXXX XXXX 30 days late According to 15 U.S. Code 1679c, I am entitled to a fair and accurate credit report. I believe this item is not accurately reflecting my credit history, and I am requesting that it be investigated and removed from my report. Please find attached supporting documents that substantiate my claim and clarify the inaccuracies. 

I would appreciate it if you could investigate this matter and remove the disputed item from my credit report if it is found to be incorrect. Please notify me of the outcome of your investigation as soon as possible, and provide me with a revised copy of my credit report reflecting any changes made.
Consumer complaint received 2023-11-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IN)

I used cash apps cash card to make a purchase on XXXX for a XXXX XXXX gift card after getting the gift card i attempted to use it but it didnt work so i contacted the XXXX seller and they refused to refund me or give me a new XXXX XXXX i contacted cash app for a dispute and it was denied within a few days i then created a 2nd dispute and a CFPB complaint with further info but now 2 weeks later it was denied again for the same ground " the merchant fulfilled its service or product '' once again my whole point is they didnt and i was scammed and now i am beyond XXXX XXXX. dates : purchase XX/XX/2023 dispute date XX/XX/XXXX denied the 2nd redipsuted on the 3rd denied on the XXXX
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NH)

Opened a new account with Chase a few weeks ago. My mom sent me a check that I deposited XXXX for {$3000.00}. Deposited it through QuickDeposit. First it said the money would be available XXXX. Then it said XXXX. Now it says XX/XX/12. Called Chase : they said its cause its a new account. They said they need to call the issuer of the check. They got in touch with my mom today but still wont release the funds. Called them back : they said they need to talk to the issuing bank. They did so, with a three way call with my stepdad, so that the bank could give info. The bank confirms the money left my moms account. Chase confirms they received the money. Still wont release the funds. I called them back : they said they have no way to get in touch with who printed the checks, so therefore the funds are staying on hold. They are just moving the goalposts and keep making excuses to not give me access to the funds at this point.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MN)

This problem originates with Equifax. I have been locked out of my account for close to a year. Yet they have no trouble taking XXXX out of my account every month on the XXXX. They refuse to believe I am who I am because after asking me all of the ID questions they start asking me questions about my credit report from years past which I can not possibly answer. I am still locked out and they still take money out of my account.
Consumer complaint received 2023-11-21
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. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2023-11-09
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. (GA)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts 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 Balance : {$260.00} XXXX XXXX Balance : {$16000.00}.
Consumer complaint received 2024-09-04
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 CARD SERVICE XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
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. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.