davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-03-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

In XXXX I originally signed documents with mortgage company and title company on my payments for home to be around XXXX per month a few years later Wells Fargo notifies me by letter stating they incorrectly calculated my Escrow and they had not been taxing the home only the property so they increased my mortgage payment to over XXXX dollars which was way over what I originally was told by mortgage company and surely something that was going to be un affordable. I have continued to have problems with them year after year. They should have never changed the amount to what I had originally signed for and I have had to go thru a modification several times because they made a mistake and have created so much stress with my mortgage. Increasing my payment to over XXXX dollars more a month is unacceptable on their part. I am appealing with Wells Fargo for a 3rd time. I am about XXXX dollars behind on payments a little over 6 mos. They continue to be unfair and previous modifications have been unreasonable. I am currently starting another appeal and there is NO sale date as of today XX/XX/XXXX. I notified them by phone today and will be faxing documents to Wells Fargo regarding appeal.
Consumer complaint received 2024-10-13
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)

This morning, I found unauthorized inquiries on my credit report, and I have no idea how they got there. I checked my report like I usually do, but this time, I saw discrepancies that didnt exist before. I even refreshed my browser, hoping it was a glitch, but the unauthorized inquiries remained. I need this issue resolved immediately, and I request a thorough review of the documents Ive submitted to prevent this from ever happening again. This situation is extremely frustrating.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I always make my payments on time. Im certain of that. What confuses me is why this company is showing me as late on some months. According to USC 1666b, any billing mistakes should be fixed, and my account should be marked as paid on time.
Consumer complaint received 2024-10-13
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: EQUIFAX, INC. (IL)

Dear Consumer Financial Protection Bureau, I am writing to urgently request your intervention regarding an error on my credit report related to my XXXX XXXX, managed by XXXX XXXX. This error has severely impacted my credit score, affecting significant life events. 

I recently purchased an XXXX XXXX XXXX, opting to finance the {$1000.00} cost via a 2-year installment plan through XXXX XXXX. However, due to an initial error by XXXX customer service, the full amount was charged as a one-time transaction, erroneously showing my card as maxed out. I immediately contacted XXXX XXXX services to rectify this, and was repeatedly assured that the issue was resolved, with the charge now correctly showing as an installment plan. 

Despite these assurances, my credit report suddenly reflected an XXXX drop, inaccurately indicating a maxed-out card. This is in stark contrast to my excellent payment history, 35 % overall credit utilization, and no other maxed-out cards. The incorrect credit report has already negatively affected my ability to secure an apartment rental and pursue car financing. 

The urgency to correct this mistake can not be overstated, as it jeopardizes my financial stability. I have included all relevant documentation and correspondence with XXXX XXXX customer service as evidence. Should this error not be rectified promptly, I am prepared to pursue legal action to defend my rights. 

I appreciate your immediate attention to this matter and look forward to your swift action to help correct this critical reporting error.
Consumer complaint received 2023-03-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have identified several items that I believe are inaccurate, and I request that you investigate these items and take appropriate action to correct or remove them. 

Firstly, I have no recollection of authorizing the credit pull by XXXX  and XXXX  on XX/XX/XXXX and XX/XX/XXXX, respectively. Therefore, I demand that these inquiries be removed from my credit report. 

Additionally, several inquiries were made without my authorization, including inquiries made by XXXX, XXXX, XXXX XXXX XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. As these inquiries have reached the statute of limitations, I request that they be removed from my credit report. 

Furthermore, I dispute the accuracy of several accounts on my credit report. Specifically, I request that you verify the payment status, balance, comments, payment history, and account number for the following accounts and either fix or delete them from my report completely : XXXX ( account number : XXXX ), XXXX  ( account numbers : XXXX and XXXX ), and XXXX XXXX ( account number : XXXX ). 

I also dispute the account reported by XXXX XXXX XXXX  XXXX ( account number : XXXX ) as I have no record that this account belongs to me. Therefore, I request that this inaccurate information be removed from my credit report immediately. 

Finally, I request that you investigate and correct the incorrect late payments reported on my XXXX ( account number : XXXX ) and XXXX XXXX ( account number : XXXX ) accounts. These accounts were reported as updated, but the same incorrect information is still being reported. 

Thank you for your attention to this matter. I expect a prompt response regarding the action taken to correct the inaccuracies on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-13
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. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written Instructions. 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

GOVERN YOURSELF ACCORDINGLY.
Consumer complaint received 2018-06-07
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. (SC)

i contacted the credit bureaus by mail and ask for proof that these items in question was mine they said they had no proof in my file that these items where mine but they refuse to remove them from my credit report I know this to be illegal according to FCRA laws under FCRA law 609 I have the right to ask for these documents to be sent to me by mail and I did they sent no documents to me so by FCRA law these items have to be removed from my credit report ASAP
Consumer complaint received 2024-10-13
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. (FL)

( See attached for full complaint : ) Dear CFPB, I am writing to formally express my concern regarding Equifaxs persistent use of stall tactics in response to disputes and requests for resolution. Despite the obligations set forth under the Fair Credit Reporting Act ( FCRA ), Equifax has repeatedly delayed the process by failing to provide timely responses, inadequate communication, and prolonging investigations beyond reasonable timeframes. 

These delays are particularly troubling given the severe impact that unresolved credit disputes can have on consumers financial health, including higher interest rates, loan denials, and diminished access to essential financial products. Equifaxs stall tactics not only hinder the dispute resolution process but also erode trust in the credit reporting system as a whole. 

I respectfully urge the CFPB to thoroughly investigate Equifaxs practices in this regard and take appropriate enforcement action to ensure that Equifax complies with its legal obligations to provide timely, accurate, and transparent responses to consumer disputes. Consumers deserve swift and fair resolutions to any discrepancies in their credit reports, and these tactics should not be allowed to continue. 

I Have recently submitted a complaint reference # XXXX and Equifax responded with a stall tactic. I have included two copies of identification to prevent this again. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-06-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (TX)

I used western union to send money to a vendor bank account. On their website, it shows it is complete even though the bank account the funds were sent to has not received the funds. Even their online tracking system is showing that the receiver has not received the funds into the account. The transfer should have happened in 7 business days. Its been 30 days now and still no resolution.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 5 ) COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS! 
Experian has failed to respond to my dispute within the ( 30 ) day timeframe that's required by law according to FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( A ). However, it's been approximately ( 172 ) days and no response yet. More so, Experian keep adding an ( 90 ) day fraud alert extension onto my credit report.
Consumer complaint received 2019-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIRST NATIONAL BANK OF OMAHA (NE)

I have attempted to contact XXXX XXXX XXXX numerous times to stop automatic withdraws from my checking account. I've gone to multiple gyms to try to get this stopped and have paid fees to break the contract of {$100.00}. Yet again the company won't stop charging my account, This has been a reoccurring pattern with this company. 

In XX/XX/XXXX the company was informed by me and my wife that we would like to put our membership on a hold. The manager of the gym told us that it would be done, yet he did nothing. We were charged for 5 months of excessive dues of XXXX a month. Eventually after calling their headquarters office we were able to get the membership on hold. 

InXX/XX/XXXX we attempted to cancel our membership once and for all. The manager said that it would be done. Yet again we are still being charged {$43.00} per month. 

Finally on XX/XX/XXXX we went to a different gym and spoke with a different manager. We paid {$100.00} to break our contract, and promised that we wouldn't be charged anymore. On XX/XX/XXXX we were charged again for {$43.00}. 

I am in the process of attempting to collect receipts for the {$100.00} fee paid and the copy of the contract.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (NJ)

Have a XXXX XXXX XXXX credit card.They tell me I missed two payments and they are wrong .I paid off the balance. They closed my account it is showing up as a negative.I tried to talk to them and I got satisfaction.
Consumer complaint received 2018-06-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc. (AZ)

On XX/XX/XXXX I received the first phone call from XXXX. The caller identified them self as calling from Commonwealth Financial. I advised I do not have any business with Commonwealth Financial.  The caller hung up. I returned the phone call asking to speak with a manager. I advised I do not have business with them and to stop calling my cell phone. Agent hung up. 
On XX/XX/XXXX I received another phone call XXXX. The caller again identified from Commonwealth Financial calling about a business matter. I advised the caller I do not have any business matters with them. I asked the caller to stop calling my cell phone. The caller hung up. I called the # on their website XXXX and the answering party hung up when I asked to have my cell phone number removed from calls. 

I went on their website in an attempt to see if any " accounts '' exist. They have a look-up system. Based on their search criteria, I do not have an account with them.
Consumer complaint received 2018-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XX/XX/XXXX we were hit by the hurricane Harvey.  I live in XXXX. I called Capital One they gave me a 3 month extension in paying my bill. I used the three month extension and my payment was due in XX/XX/XXXX which I paid on time. My credit report is showing a late payment for XX/XX/XXXX. However, statements do not reflect any late payments listed on my XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX statement. I have contacted Capital one to get my credit report updated. They arestating that the late payment that is reporting for XX/XX/XXXX is correct. I did not pay a late payment fee for XX/XX/XXXX. The late payment that is reporting on my credit is  not correct and I would like to have it removed and my credit report for all 3 agencies corrected and updated.
Consumer complaint received 2018-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (NV)

someone went and got apartment in my name, and is reporting to my credit, i have disputed this serval times and it keeps appearing on my trw and i just disputed again thru credit report. But this is not my account and says with a company name Kimball Tirey St. John. its hindering me from get a place to live.
Consumer complaint received 2019-06-22
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: Experian Information Solutions Inc. (OH)

I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances ... XXXX and XXXX XXXX have remove this debt why is Experian not complying!!! Delete the late payments on XXXX XXXX XXXX, XXXX   XXXX
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX 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 a account without my written Instructions. 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. An other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. GOVERN YOURSELF ACCORDINGLY.
Consumer complaint received 2024-10-13
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. (AL)

Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress, and it's negatively affecting my financial standing. The following Hard Inquiries are unauthorized : 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 XXXXXX/XX/year>
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The information within my file regarding this debt is inaccurate. The lender is listing a inaccurate balance total. The lender did not update the payments accurately. When the vehicle was first purchased the total financed was for the vehicle price and warranty. The warranty was later dropped and the full amount due was paid back to the lender by XXXX. Attached is documentation from the lender themselves showing that a separate warranty was purchased. That warranty was later refunded to XXXX for the same amount. XXXX never updated the credit reporting or the balance due to reflect the refund of this item.

In doing so XXXX XXXX has violated my legal rights under the FCRA and has violated state and Federal law. They also went as far as to sale the debt to a third party with inaccurate information. Also, they have reported incorrect information to all Credit reporting agencies.