davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-24
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. (MA)

This issue has been making life very difficult. I can not begin to tell you how many times I have submitted proof of innacurate reporting from XXXX. Back in XXXX this account was supposed to be closed and removed from my account and for the past couple of months I have been doing nothing but providing proof of this. Today I checked my credit report and it showed that my credit report has gone down XXXX points due to this account. I have already put in an offer for my house which was accepted, and this on my account is the worst thing that could happen. This account is closed, so why would my credit score go down because of a missed payment? If you check your records, you will see that I have shown proof that this account should no longer be on my report.
Consumer complaint received 2021-07-24
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. (OR)

I have three accounts ( all from XXXX  ) that have been paid in full and closed. Experian is still showing as active with balance owed. Tried disputing with Experian but they reported information is correct.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished his account that we didn't agree upon and i didn't sing an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA I'm entitled to XXXX XXXX per violation and clearly they violated my rights.
Consumer complaint received 2024-09-01
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)

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a XXXX  XXXX and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP because its beyond illegal and I have contacted these companies numerous times and legal action will have to be taken. These accounts are fraudulent, illegal, I never ever opened these accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (CA)

The inclusion of these unauthorized accounts and inaccurate information has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following : Account 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/year>
Consumer complaint received 2024-09-01
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)

**Subject : Formal Complaint : Improper Use of Credit Reporting and Request for Immediate Removal of Unauthorized or Inaccurate Items** Dear Consumer Financial Protection Bureau XXXX CFPB ), I am writing to formally address significant issues with my credit report as managed by the credit bureaus. My credit report contains several entries that I believe are inaccurate, unauthorized, and in violation of the Fair Credit Reporting Act ( FCRA ). Below are the specific issues and my request for resolution : # # # **Unauthorized and Inaccurate Entries** XXXX. **XXXX XXXX XXXX* - **Original Creditor : ** XXXX XXXX XXXX  XXXX XXXX XXXX : ** XXXX - **Balance : ** {$330.00} - **Date Opened : ** XX/XX/XXXX - **Status : ** Collection Account - **Comment : ** The account is listed as previously disputed with an investigation reported by the data furnisher. 


XXXX. XXXX XXXX XXXX XXXX XXXXOriginal Creditor : ** XXXX XXXX XXXX XXXX - XXXXAccount Number : ** XXXX - **Balance : ** {$360.00} - **Date Opened : ** XX/XX/XXXX - **Status : ** Collection Account - **Comment : ** Account information disputed by consumer and should be properly reflected. 

# # # **FCRA Violations** The unauthorized and inaccurate entries listed above are in violation of the FCRA, specifically : - **15 U.S.C. 1681b** : Permits access to credit reports only for permissible purposes. The appearance of unauthorized entries indicates a breach of this section. 
- **15 U.S.C. 1681c** : Requires that all information on a credit report be accurate and up-to-date. These unauthorized entries do not comply with this requirement.

- **15 U.S.C. 1681i** : Mandates that consumers have the right to dispute and correct inaccuracies on their credit reports. The entries in question were previously disputed but remain inaccurately reported.

# # # **Requested Resolution** I request the following actions be taken immediately : 1. **Immediate Removal : ** Remove all unauthorized and inaccurate entries from my credit report, including the accounts listed above.

2. **Confirmation : ** Provide written confirmation that the unauthorized items have been removed and that my credit report has been updated to reflect accurate information.

3. **Investigation : ** Conduct a thorough investigation into how these inaccuracies appeared on my report and ensure corrective measures are implemented to prevent future occurrences.

I have attached copies of my credit reports highlighting the disputed items, along with any relevant correspondence. I trust that you will address this matter with urgency and ensure my consumer rights are upheld. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-24
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. (NY)

I have contacted XXXX XXXX XXXX XXXX  multiple times to correct an error on my credit report. The facts are these : The dispute in question is late payment due on XX/XX/XXXX XXXX {$430.00}. FOUR DAYS later, I made a payment on XX/XX/XXXX of {$300.00} and the balance of {$170.00} on XX/XX/XXXX, completing the full payment EIGHT DAYS later on XXXX/XXXX/XXXX. Not more than 30 days when a report to the credit bureau would be in order. XXXX XXXX did not credit my account until XXXX. 
I have provided my bank statement to XXXX XXXX proving the funds have been received by XXXX XXXX on XX/XX/XXXX. XXXX XXXX statements confirm the payment was made on XXXX, but they will not remove the late payment from the three credit bureaus. It is the only mark against my credit. 
I have contacted the three credit bureaus on XX/XX/XXXX with a copy to XXXX XXXX  to rectify the problem, Yesterday, XX/XX/XXXX I received notice from one of my credit reporting agencies ( not XXXX XXXX ) that XXXX XXXX dropped my credit limit from {$16000.00} to {$5000.00} which negatively my credit score. I closed my account with XXXX XXXX today XX/XX/XXXX. 
The issue with the late payment on the three credit bureaus has not been resolved.
Consumer complaint received 2019-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (DE)

I have been double billed for my mortage insurance payment for the 2012. When brought to the attention of Wells fargo, my calls kept getting g dropped, the would not remove the extra MIP from my mortgage payment despite their error. I have asked them multiple times to correct my mortgage payment to reflect the MIP off which I was told last week it was buthe it is still there. I am unable to make any other payment than the mortgage payment with the MIP added. Ivery been paying the MIP in my mortgage payment and a separate payment every month has been taken fromantic my escrow account. The MIP is money that the mortgage company gains and dies not go towards me paying off my home loan. I believe this to be an act of Fraud by Wells Fargo Home Mortgage Company. I know they have been in the news many times for fraudulent activities yet I would have never thought this to happen to me and then to be treated with such unprofessionalism after the fact. To be honest I belive they know they been caught ad want to do damage control prior to addressing get my issue which brings me to believe that this is a scam and many unknowingly other home owner may be the victim of this financial fraud.
Consumer complaint received 2019-02-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (GA)

Okay this complaint is with Cash App or better known as Square , INC. I brought some tickets with my debit card from XXXX XXXX. When i got to the gate of XXXX XXXX there was a mishap and we had to go to the customer service desk. When i gave them the confirmation number they asked for photo ID but i lost it in the uber coming to the park. So to make things worse the supervisor said he COUNLD NOT honor the tickets and agreed to refund the full payment to the cash app card that i brought them with. Well unbeknownst to me cash app froze my card and closed my account. I tried talking to them about this for more than 3 weeks, NO  ANSWER ... i called XXXX XXXX  and they CONFIRMED THAT THEY SENT THE REFUND TO THE CARD ON FILE. So im just trying to get my refund for the tickets. The total of the tickets was {$250.00}. All i want is my money back i did nothing wrong
Consumer complaint received 2019-02-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

re : Cash App - A Square Product. 
Refund amount {$480.00} from XXXX The only contact number XXXX only tells customers to use the Cash App to contact customer service. 

Refund is ''in review '' and support tickets are being auto-closed. 
The company which is issuing refund states refund was returned. 

Cash app is seizing assets and not returning the refund total. and does not follow the correct procedures for returning a refund. 
Getting this refunded ack ASP is very important.
Consumer complaint received 2021-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP (CO)

I received a letter from the Social Security Administration stating that I owed around XXXX, due to an overpayment under my deceased father 's social security number, and that if I did not pay it back within 30 days, my SSDI would not be paid to me, until the debt was satisfied. I contacted the telephone number on the letter and was told that I had to pay it back using a personal check. My Key Bank hassle free checking account does not offer check writing ; so I opened an account at my bank that does offer check writing. I funded the account from my hassle free checking account at the same bank. I ordered checks with my ( at the time ) current address - which happened to be a hotel room that I have been staying at for several months ( after the death of my husband in XXXX, 2021 ) ; because the family home at XXXX XXXX XXXX in XXXX, XXXX  was re-modeled and sold and is part of a trust. I received the checks and then received a letter from my bank stating that my new checking account was essentially frozen, due to the Patriot Act! This is the craziest thing I have ever heard. My bank is prevented me from paying a branch of the United States government ; because my banks says the Patriot Act says that I could be either laundering money or funding terrorists. So the payment that I was about to make to the Social Security Administration was allegedly about to be made to a XXXX organization or for the benefit of a criminal enterprise? So Key Bank froze my money based upon the assumption that I was conspiring to commit a crime. This action by Key Bank violated my civil rights ; because I committed no crime, yet Key Bank froze my account anyway. All of my money comes from SSDI, a one-time death benefit from my deceased spouse 's employer, and payments from a trust. Therefore, I could not be laundering money. So that leaves " funding terrorism. '' Well, since I was attempting to pay the United States Government, I could not be " funding terrorism, '' by definition. Now the deadline has passed for me to re-pay the Social Security Administration. The bank won't let me have my money ; and I will receive NO SSDI for XXXX, XXXX, and a reduced payment for XXXX, 2021. All of this is due to the Patriot Act and my bank. I am highly disappointed in the Patriot Act ; because it is being used to harass me. Key Bank can not demonstrate that I committed a crime ; because Key Bank can not show the movement of money from my account to a single entity, except the company that printed my checks. Also, I am in the process of buying a home in XXXX  ; so I just moved out of the hotel room and have no current mailing address until I close on the home purchase, FYI.
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (FL)

I attempted to go back to school and I had complications so I dropped the class so the loan should have been returned back to Navient I dont owe them I didnt go to school or graduate from there. I need it removed so I can have my credit in order I have been disputing charges from them because I didnt attend the school for even a month for me to be charged XXXX XXXX I need help with this
Consumer complaint received 2024-09-01
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)

XXXX XXXX, XXXX : XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal mobile phone account opened at XXXX XXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of ( {$3200.00} ), an account opened at XXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of ( {$2200.00} ), a personal loan account opened at XXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of ( {$720.00} ), a collections account opened at XXXX XXXX XXXX ( Account Number : XXXX ) on XX/XX/XXXX with a balance of ( {$480.00} ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-01
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)

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP portfolio recovery Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-09
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: Experian Information Solutions Inc. (CA)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX/XXXX  : XX/XX/2023 : XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 : XXXX XXXX XXXX XX/XX/2023 : XXXX XXXX : XX/XX/2023 : XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 : XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 : XXXX XXXX XXXX XXXX : XX/XX/2023 : XXXX : XX/XX/2023 : XXXX XXXX : XX/XX/2023 : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, 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.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/year> under the account number ( XXXX ). ThIS account haS resulted in several fraudulent charge offs appearing on my consumer XXXX credit report. I do not recognize the aforementioned account. The aforementioned account, appearing on my consumer credit report maintained by you, were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have reached out to the credit bureaus to dispute department of educationXXXX account that has been transferred or sold. This account no longer belongs to me and should be removed from my credit reports with XXXX and Equifax who continues to report on account that is no longer belongs to me.