davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I would like to report what I call illegal business practices. Wells Fargo Bank claims that they sold my heloc to a LLC that had their license revoked and could not perform according to the contract they sold. They did not report this to the IRS and will not provide the documentation even though there is a subpoena and a notice to consumer. On XX/XX/XXXX I called Wells Fargo executive offices and spoke with the woman in charge, XXXX XXXX regarding the message she left on my phone stating that she had mailed me a letter responding to my complaint to your agency. The conversation was more of the same. She will not provide me with a copy of the company policy stating whether or not it is customary and legal for Wells Fargo Bank to sell the servicing to a company that can not perform according to the contract who also had their license revoked making it illegal for them to do business. <P/>XXXX, XXXX had their license revoked at the time that Wells Fargo Bank claims they did this transaction. They were not an investment firm they were an LLC and used the same name and business license that the secretary of state revoked. The IRS had their license revoked making it illegal for them to do business. <P/>XXXX XXXX from the subpoena department stated that the executive office requested my file and they were not to send any information requested by subpoena because the executive office would be handling it. XXXX XXXX stated that she was the one that requested the information, but did not tell the subpoenaing department not to send the information requested in a legal subpoena duces tecum. The information has not made it to the courthouse yet even though they asked for an extension. <P/>The letter they claimed to have mailed me in XX/XX/XXXX regarding selling the heloc does not have their, Wells Fargo Bank letterhead and it looks like it was not the original letter. It looks manufactured. <P/>I also requested a copy of the letter and check that they mailed me in XX/XX/XXXX stating that they did an audit on my account and noticed they owed me some money from when the loan was originated. They now claim they can not locate the letter or the check. <P/>My Heloc loan number is XXXX. The address to the property for the equity line is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
Consumer complaint received 2024-10-17
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. and according to 15 USC 1681eb they are supposed to ensure this 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.

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 items of information other then records of convictions of crimes which antedates the report by more then 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.

I Have attached supporting documentation from my personal credit report, attachments will be in order of accounts above. All errors and inacurrcies are highligted.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (PA)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.
Consumer complaint received 2017-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

these are NOT my debts -- -- They are NOT collectible by me. Please DELETE from by Credit reports. case # XXXX XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Item does NOT belong to me.
case # XXXX Same as above. Noncollectable NOT my DEBT .... Delete from credit report. XXXX on EQUIFAX - CONF # XXXX  dated XXXX XXXX, 2017 PLEASE DELETE ASAP! Thank You! XXXX XXXX
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SIERRA PACIFIC MORTGAGE (WA)

I have made payments on this loan in the amounts shown on the payment coupons and statements. Sierra Pacific has not applied the funds to the loan and are now charging me interest and penalties and are threatening foreclosure. They have done this in the past and I am always wondering how many innocent people they actually cheat and steal from. How can they still be in business. They have done this to me 2 times.
Consumer complaint received 2024-10-01
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)

I am reaching out for your help concerning this misleading account reported on my credit report. This issue has caused damage to my reputation, and I need your intervention. Your mishandling of my credit report has left me feeling vulnerable, as this misinformation has destroyed my reputation. It is necessary to remove this incorrect information from my credit report.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Informed them that I have been the victim of fraud. They tell me to contact the people who inquired directly to find out why they pulled my credit. I told them that after being informed that this is fraud, they are supposed to help me. I have called numerous times and spoken with many people, they all are giving me the run around and don't know how serious this is. I am asking them to remove all the fraudulent information ( inquiries ) as by the FCRA and that is to remove all incorrect, unauthorized and unverified. from my reports. 

Please remove the following fraudulent inquiries that I did not authorize, nor do I have any business with. 
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
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Hello, this complaint is valid and not sent in error so please take it seriously. My credit report includes false and inaccurate information, leading to undue stress and has been negatively affecting me which is is deeply frustrating. Despite my repeated requests for deletions, these issues remain unaddressed, unfairly impacting my credit score and having my new credit applications getting denied.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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 2024-10-17
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. (NY)

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information Dear Sir/Madam , I am writing to dispute inaccurate information listed on my credit report provided by Equifax. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX XXXX # XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Based on the provided image of the credit report for the XXXX  XXXX account across XXXX XXXX XXXX, and Equifax , here are the key details to compare and potential inaccuracies to consider disputing : Date Opened : Equifax XXXX XX/XX/XXXX. Matches Experian but not XXXX. 
High Credit : Equifax : {$5300.00}. Different from both XXXX {$6700.00} and XXXX {$0.00}. 
Credit Limit : Equifax : {$0.00}. Matches XXXX, but not XXXX {$4700.00}. 
Last Reported : Equifax : XX/XX/XXXX Different from XXXX and XXXX, both of which report XX/XX/XXXX. 
Comments : Equifax : Charged off account. Accounts closed by credit grantor. Different resolution description compared to XXXX Charged off as bad debt. Dispute resolved ; reported by grantor. and XXXX Account was in dispute- now resolved - reported by subscriber. 
Date Last Active : Equifax : XX/XX/XXXX. Much earlier than XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 
Date of Last Payment : Equifax : XX/XX/XXXX. Earlier than both XXXX and XXXX, which report XX/XX/XXXX. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including documents/evidence supporting the claim, such as billing statements, payment records, or correspondence with creditors.

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report. 

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

I am also including a copy of my dispute to the organizations below. 

CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Attorney Generals Office CC : State Senate CC : Federal Trade Commission CC : State Regulatory Agency Thanks For your Cooperation. 

XXXX XXXX XXXX
Consumer complaint received 2017-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

1. On XX/XX/XXXX, I called Wells Fargo to dispute three transactions involving XXXX XXXX XXXX. One of the transactions, in the amount of {$180.00} I did not recognize and did not sign for, did not authorize, and does not appear on my hotel receipt/folio. I do not know what it is for. <P/>2. Wells Fargo created a dispute, case # XXXX, for the three transactions. The basis listed as " service not as expected, '' even though for the charge for {$180.00}, the basis should have been listed as unrecognized charge/unauthorized. <P/>3. Previously, I called the hotel/merchant several times, including most recently on XX/XX/17 and attempted to talk with them about the unrecognized charge and other issues. I asked for XXXX XXXX, the front desk manager. They said she would call me back but she has not. <P/>4. Also, I called XXXX XXXX corporate office on XX/XX/17, to talk with someone about the unrecognized charge and other issues. They said they would call me back on XX/XX/17, but have not. <P/>5. The original Wells Fargo representative who took my claim said she was going to attempt to call XXXX XXXX XXXX and call me back. <P/>6. According to Wells Fargo representative # 2, XXXX, the first representative did call the hotel and the hotel refused to talk with Wells Fargo to substantiate the unrecognized charge. <P/>7. XXXX recommended that I open a new dispute specifically about the {$180.00}, and transferred me to do so, saying I had a strong case to win the dispute, especially after the merchant refused to talk to Wells Fargo. XXXX said she wanted me to send the folio, so I scanned it to my computer in preparation. <P/>8. XXXX transferred me to representative # 3, who agreed my dispute was miscategorized, but said she 'd have to transfer me to the business disputes dept. <P/>9. Representative # 4 XXXX ( refused to give ID # ) refused to reopen the dispute, and kept asking me what the charges were for. I said I did n't know because they were not on my folio. I asked to speak with a supervisor. <P/>10. Rep. # 5 XXXX ( refused to give ID # ) was extremely rude, never apologized for the inconvenience of the two hours I had to spend on the phone, and also refused to reopen the dispute. <P/>ANALYSIS : Merchants should not have the right to charge customers any amount they want, without any documentation provided to the customer, and then refuse to provide said documentation to the customer and the bank. The bank should not refuse to dispute an unauthorized charge. At the very least, Wells Fargo should have reopened the case, allowed me to send my documentation, and asked the merchant again to respond. In reality, with the merchant refused to talk with Wells Fargo, it should have been enough to charge back the full amount of {$180.00} and close the case.
Consumer complaint received 2017-01-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (FL)

this is a cable bill that was CANCELED and paid with all equiptment returned undamaged. I told them repeatedly that the equiptment was returned at the corporate location drop off. They are billing me for 2 cable boxes that were returned. The final bill was paid and come to find out that the debt was RESOLD after it was resloved and paid. I have asked repeatedly to remove the negative marks and the hits for my credit score and I was told they will continue to call until I pay it over again. Then I was in tears and the lady laughed and hung up on me. This was paid in XX/XX/2015 along with 4 other debts.
Consumer complaint received 2024-09-30
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: Experian Information Solutions Inc. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-08-25
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. (NC)

I would like to dispute the following negative accounts on my credit report. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Attn : To whom it may concern, Greetings!

In accordance with The Fair Credit Report Act : The list of Accounts below have violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 

XXXX. Name. XXXX. Number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency CAN NOT furnish an account without my written instructions and or consent.

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 ( 7 ) 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 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I kindly request that you PERMANENTLY BLOCK AND DELETE this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
XXXX XX/XX/year> XXXX XXXX
Consumer complaint received 2015-11-03
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (NY)

On XXXX XXXX, Citibank contacted me about a decrease in my credit limit ( a decrease of {$2500.00} ), due to items that had appeared on my XXXX credit report, which stated that if the credit report changed, I could have them reevaluate the decision within 60 days. On XXXX XXXX, I contacted them and they stated that they only could request a credit limit increase, there was no process for disputing their previous decision. They requested a credit limit increase and the increase was denied, and were not able to provide me with a reason. Their decision was triggered incorrectly and they have unfairly prevented me from reinstating my prior status with them even though the factors that prompted their decision have been proven to be in error.