davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act, 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. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported. Account Name : XXXX XXXX XXXX  Account number : XXXX You have this account balance as {$24000.00} but the current account balance is $ XXXX have attached a screenshot of this account information below
Consumer complaint received 2024-09-26
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. (NV)

I recently reviewed a copy of my credit report and found some inaccurate accounts reporting. I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report as soon as possible.
Consumer complaint received 2024-09-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX  XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firm ( s ).
Consumer complaint received 2024-09-26
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: Experian Information Solutions Inc. (LA)

2 months on XX/XX/XXXX I had these same issues of fraud on my credit report. I sent letters and no response. I called about this and I cant even get a home Im in PROCESS with because of the fraud on my credit and all 3 Bureaus are impacting my family Due to the XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX  XXXX Data breaches been going on Im exposed and need Fair treatment.!!! Attached are the proof
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Recently I did an investigation on my credit report and found several items on there inaccurate Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S.Code 1681i ( 5 ) Treatment of inaccurate or unverifiable ( A ) in general if after any reinvestigations under paragraph 1 of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-27
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. (KS)

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (WV)

On XX/XX/XXXX my social security check was deposited into my US Bank Acct # XXXX. I had a negative balance due to NSF. The bank cleared that debt and I was left with a balance of {$670.00}. The bank closed my account on XX/XX/year>. I was told they would mail me a check. I have called multiple times the most recent being XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was transferred to my branch located in XXXX XXXX XXXX in XXXX, OH. They told me the check had been sent XXXX days prior to my call. I made certain they had my most current address which I had already given them of XXXX XXXX XXXX. XXXX XXXX, XXXX, WV XXXX. I know they have the address because I received a statement this month showing the withdrawal of the {$670.00} that they claim was the check they mailed to me. I have never received the check, today XX/XX/year> they transferred me to the fraud department because they claim the check was cashed. When I called in on XXXX the XXXX, they told me they were looking into a fraudulent check that was cashed for {$550.00} prior to XX/XX/year>. They could not issue the check until that was completed. 
AFTER HOLDING for over XXXX minutes today XX/XX/XXXX, with the fraud department they disconnected my call. I called back told my story yet again and the line went silent. Apparently they were experiencing technical difficulties or just did not want to discuss my issue. I do not know what else I can do. Each person tells me a check has been sent, never on the same dates and yet I have never seen a check.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc (MN)

I called affirm inc to let them know I was unable to provide payment in XXXX  and few for XXXX because I was pregnant and was XXXX XXXX and then went on maternity leave but went back early due to my bills and they still reported my account late which dropped my points XXXX and Im up to date soon as I got the money and paid most accounts down to nothing instead of the minimum amount. Im trying to buy an home and call couple times and all they said was that I had to call XXXX to fix late payments which doesnt make sense because there the original creditor. And wasnt notating that I was calling before sending a letter and kept saying they understood but still reported my account as late! Just wanted them to take in consideration and also report when Im on time just as you did that I was late. Because it barely shows and I always pay off early.
Consumer complaint received 2024-10-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (MS)

Back in XXXX or XXXX XXXX XXXX and XXXX XXXX XXXX were struggling to pay our mortgage with Wells Fargo we all but begged for a modification on our loan we were unable to keep the house due to Wells Fargo not working with us at all. We just gave it back to them and moved out due to we both at the time lost our jobs due to our company closed. I sent letters certified to the CFPB on XX/XX/XXXX and was never given a response from your division and also to Wells Fargo neither CFPB and Wells Fargo never responded. Then I get a letter from Wells Fargo with a check for XXXX the letter stated that if an error may have occurred. But I can not get a straight answer when calling or writing its just no kind of response until I get letter with XXXX check. Well they put me and my now deceased husband through XXXX during that time because we wanted to keep the house but just got the absolute run around from Wells Fargo we sent and faxed and mailed over and over again paperwork through certified mail and then Wells Fargo said they never got paperwork every single time. But I do feel like I was affected my them not trying to modify the loan and they just put us off. I feel like I should have gotten more compensation then saying a error may have occurred and shut me up with XXXX. I am not going to let this go they could have worked with us on this loan but all these big corporations think they can always run over the little guy, like they did with us. I would like for you to please help me with this like I said I sent paperwork to yall certified on XX/XX/XXXX and no response from you either. But XXXX is not going to get it for me and this is the second check they have sent I have not cased either as I know that would be letting them off the hook. I just think Wells Fargo is trying to ignore the situation. It just not right and we the people if we dont stand up to the mammoth bullies they will continue to XXXX over the little people that are trying to do right by the law. The account number original number is XXXX, on their letters they send they say the mortgage account number is XXXX. The case number I was given in XXXX letter where they asked for our patience was dated XX/XX/XXXX with a case number of # XXXX. I would like for you to look into this for me being I just get the run around with Wells Fargo and when I did speak to someone they act stupid. The loan was in mine and my husbands name that would be XXXX XXXX XXXX and XXXX XXXX. They keep sending checks to the both of us and they were told by letter he is deceased and they only sent 2 one I did not cash and got one last week that was for 200.00. I am not cashing either one of them due to it would probably get them off the hook. I hope someone will get back to me about this complaint. 

XXXX, XXXX XXXX
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

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 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX XX/XX/year> was my original complaint to CFPB about this false reporting bankruptcy I have been violated by XXXX and ransunion I wrote to the Delaware district Court bankruptcy court on XXXX seeking confirmation about the reported bankruptcy, and received a letter in response > stating they do NOT furnish any consumer data to XXXX, Transunion or other credit entities. I also sent XXXX letters to XXXX and Transunion citing the inaccuracy and requesting investigation/removal based on the court 's response. And asking for information that they have.They sent me a letter back with another name on the bankruptcy that is not mine also, I sent notarized affidavits also. I also sent XXXX a letter documentation of contacting The District court directly inquiring about their records, but received no response. Despite XXXX and Transunions failure to validate or deny the report to you directly as the natural person creditor. XXXX and Transunion has not properly fulfilled their duties to investigate under the FCRA nor removed the false information, despite being unable to verify the third party source that supposedly reported it. And these bankruptcies reporting are hurting my financial health. Since my initial complaint I have given XXXX and TransUnion 30 days to respond which is a more than reasonable amount of time to respond to these matters. They had failed to do so and now I am seeking monetary relief for the inconvenience
Consumer complaint received 2024-09-26
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: Experian Information Solutions Inc. (MO)

Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

i asked Specific details as to why I'm being denied credit when I have an XXXX credit score and they give me some XXXX  excuse. According to 15 USC, I can't be denied credit they shouldn't even be using the credit reporting agencies in order to provide me credit but nonetheless, they still do it.
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

i was an authorized user on XXXX XXXX CAPITAL ONE credit card... XXXX XXXX has requested for capital one to remove me as an authorized user 2 times and my credit report still has me as an active authorized user til this day... .please remove me
Consumer complaint received 2024-09-26
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. (AR)

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer may have given you written, unwrittten, verbal and nonverbal per 15 USC 6802.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EVERBANK, NATIONAL ASSOCIATION (TX)

I was unable to sign-in to my account online and was told someone would call me back to resolve the issue. That was many days ago and no one called. Tried to transfer funds to another account, but transfer was reversed since the account was reportedly inactive. Tried to contact bank by phone, but no one that could help was available. Was told someone would call me back, but based on recent experience, I didn't believe that. I have nearly {$3000.00} tied up by this bank. There is no way to contact their corporate headquarters.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Failure of XXXX, XXXX, and Equifax to block information under 15 U.S.C. 1681c-2 ( a ) I am writing to bring to your urgent attention, a matter concerning the NON-COMPLIANCE of XXXX, XXXX, and Equifax wit

h the provisions set forth in 15 U.S.C. 1681c-2 ( a ), which mandates the blocking of information upon notification within four ( 4 ) business days. Regarding the following ID Complaint Numbers, as stated in my earlier email to the
Consumer Financial Protection Bureau on XX/XX/2024 ID-Complaint Number : XXXX ID-Complaint Number : XXXX ID-Complaint Number : XXXX I notified the aforementioned credit reporting agencies of erroneous information that requires blocking under the aforementioned statute. Despite this notification, the agencies have failed to adhere to the statutory timeline and have not blocked the disputed information. 

I thus ask the Consumer Financial Protection Bureau to step in right away to guarantee that my rights under the Fair Credit Reporting Act are upheld since XXXX, XXXX, and Equifax have seriously damaged my finances and reputation by failing to comply with federal law. 

I kindly request prompt action by the Consumer Financial Protection Bureau to investigate this matter thoroughly and to enforce compliance with 15 U.S.C. 1681c-2 ( a ) by XXXX, XXXX, and Equifax. 

My Next action is Legal Ramification against the CFPB as well as all the Credit Reporting Agencies that continues to violate my Consumer protection Rights. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (MA)

back in 2016 in XXXX XXXX companies called my house one was XXXX XXXX I doid not accept the offer how did they get my number I do not know the other one was XXXX  and I told the person on the cell phone not to bother anymore recive XXXX more calls again and finally blocked the phone number, a month later after the incident my computer got a blue screen and the number XXXX XXXX  on site showed up I called the company and asked why the locked my computer they said they could not get in remotley unless I give them authorization I hanged up shut it off and changed the XXXX XXXX my self after that all seemes normal had to change pass word and recover my bank information all seemed normal a few months wanted to get a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  when the loan company XXXX XXXX informed me of XXXX passive accounts XXXX and XXXX and XXXX called the companies no response called and a machine answered I am asking help