davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
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: LEXISNEXIS (CA)

On XX/XX/XXXX, I reached out to Lexis Nexis after being quoted excessive premiums/denied for Auto Insurance coverage by several different auto insurance carriers while shopping around for a better rate. When I contacted Lexis Nexis, they informed me that I had entries or recent " auto insurance '' claims in the past 5 years with XXXX XXXX and XXXX XXXX XXXX totally > $ XXXX. After informing me of this information, I filed a dispute with Lexis Nexis to have these incorrect ( fraudulent ) entries removed. Lexis Nexis proceeded to investigate and based on their limited investigation, they returned to me a written response on XX/XX/XXXX stating that the entries were " accurate ''. When I reached out to XXXX XXXX to confirm Lexis Nexis investigation results and verify that XXXX did in fact report that I had an " active '' policy in XXXX when the claim was supposedly paid out by XXXX, they confirmed that I DID NOT have a policy with this company, which is what I informed Lexis Nexis. Same conclusion was determined when I reached out to XXXX XXXX regarding an " active '' policy in XXXX when that claim was supposedly paid out. XXXX XXXX confirmed that I DID NOT have an active auto insurance policy with them in XXXX. In addition, the vehicles involved in these auto accident claims, as provided by Lexis Nexis to me, have never belonged to me ; this was confirmed by the registration details within the State of Michigan. To date, I have NOT been successful at getting Lexis Nexis to remove these fraudulent entries. In addition, my concern is that Lexis Nexis is continuing to report fraudulent information to the public regarding my automobile insurance status because they refused to actually " investigate '' the information they have in their profile for me and that does not match the reporting entities ( XXXX and XXXX XXXX ) information. I informed Lexis Nexis at the time of my inquiry on XX/XX/XXXX that the only automobile insurance policy I had between XXXX and XXXX was XXXX and this was confirmed by Lexis Nexis at stated on my profile maintained by XXXXexis Nexis. Based on these facts, Lexis Nexis decision to continue to report this, fraudulent at worst/intentionally inaccurate at best, information is merely because they lack proper procedures/protocols within the Lexis Nexis organization to confirm the information they report BEFORE they report it and after a consumer complaint/dispute of incorrect/inaccurate information.
Consumer complaint received 2023-09-06
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX and XXXX  XXXX.
Consumer complaint received 2023-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to request the removal of unauthorized credit inquiries on my credit report. I recently retrieved my credit report and it showed credit inquiries that I have no knowledge of ever authorizing.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (PA)

In XX/XX/XXXX I reported to the credit card company ( Apple Card c/o Goldman Sachs ) that my card had been compromised and that over 50 charges of {$100.00} and one of {$160.00} and {$320.00} had been assigned to my account. These charges appeared to come from XXXX as they were accompanied by XXXX characters. 

Apple then credited the fraudulent charges ( as they should have ) and started and investigation. 

Then for some reason, they credited the amounts again, which resulted in a credit balance of - {$2500.00} which was the result of the second crediting less the amount that I actually owed them of {$310.00}. 

I sent them a letter dared XX/XX/XXXX ( copy attached - Applecard.pdf ) explaining that they had made a mistake. I never received a reply. I attached a marked up pdf of my XXXX statement ( also being forwarded to you - XXXX ) which outlined the problem. 

In the last week, I received a series of emails informing me that the dispute had been settled and they were adding the charges to my account as they had been already credited. 

This should have resulted in a total amount owed of the {$310.00} BUT after paying that amount I find that they are still charging me {$1000.00}. 

I called them yesterday and was unable to either resolve the problem or even get them to investigate. I sent them another letter this morning and I am also forwarding that letter to you ( XXXX ). 

It seems illogical to me that they would take off the fraudulent charges TWICE and then replace them and it would result in a total of charges that I did not charge to this card. 

Please help. I do not wish to pay over {$1000.00} that I have not incurred. Thank you!
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The account was updated as correct according to the Fair Credit Reporting Act where it said by law I had the right to challenge anything I am not sure is accurate According to 1681i ( a ) if proof is not provided within thirty 30 days the account should be DELETED
Consumer complaint received 2023-09-06
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. (AL)

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

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 XXXXXXXX XXXX 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts above. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 Any 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-09-06
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: ATG Credit, LLC (TX)

ATG CREDIT {$1700.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-08-21
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Statebridge Company (FL)

Due to financial setbacks following the recession, we worked with the bank to modify our mortgage in XXXX. It was our understanding that both the first and second mortgages were included as part of the modification, as both notes were held by the same bank. Since then, every payment has been made in full and on time. 

We've received no communication, written or otherwise, suggesting there was an unpaid debt owed. In XXXX we started receiving statements from Statebridge with no explanation as to where this debt originated. We assumed it was some kind of a scam. In XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX as Trustee For XXXX XXXX filed for foreclosure on behalf of Statebridge. 

In addition to the XXXX in legal fees that we've paid for our defense, XXXX/Statebridge legal fees have more than doubled the original debt collection. A Motion to XXXX XXXX on our behalf is scheduled for XX/XX/XXXX, and a Trial is scheduled for XX/XX/XXXX.
Consumer complaint received 2023-08-31
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. (IA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXXXXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$550.00} WXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Company XXXX XXXX XXXX XXXX is attempting to collect a debt in my name for XXXX XXXX XXXX alarm system. I am in. O way familiar with this debt nor is this debt mine. Furthermore XXXX IS NOT the original creditor. I do not know anything about XXXX... I have never authorized any business with Vivent Nor XXXX XXXX XXXX. I have opened a police report and this This account needs to be deleted.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-03
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: EQUIFAX, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX
Consumer complaint received 2023-09-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (TX)

I was working with Wells Fargo to assume the loan since I was in the process of divorce and was awarded the house. Unfortunately, my ex husband put the house in forbearance resulting in a lot of unpaid mortgage. I was then told by Wells Fargo that they can help me to assume the loan and was working with them, sending them all the paperworks that was asked from me. 

I was then given information by a friend that the state of Texas where I live offer mortgage assistance to those who are behind in payments. I then told Wells Fargo that I will apply since the amount owned will be below and will be covered by the max assistance that was offered. 

I did verified with the mortgage department how much was owed just to make sure and that is why I proceeded to apply because it was still below the maximum amount that the mortgage assistance offer which was {$65000.00} and the time I called Wells Fargo the agent said it was around {$62000.00} and might be a little more but definitely below $ XXXX. 

I then submitted my application and unfortunately was denied because according to the mortgage assistance the amount Wells Fargo had sent them the amount owed was {$79000.00}. I called Wells Fargo that same day I went to the office of the mortgage assistance and Wells Fargo would not verify over the phone what was owed.

I requested them to send it to me via email and mail and never got it. 

At the same time that was happening I was still trying to keep my options open and was still trying to work with WF about assuming the loan. I sent all the paperworks that was asked from me and I even went to one of their branch here in XXXX XXXX, Texas to fax the paperworks asked from me. The branch manager was even the one that personally helped me and faxed it for me. I wait 2 days after it was faxed to give them time to sort it as they advised me to. And every time I verified the representative I talk to said they did received it. Then couple of days later, I would receive a phone call from Wells Fargo stating that they have not received what they requested from me. At first I figured maybe it got overlooked but I didnt want to lose the opportunity them helping me so I would go back to the branch and again the manager would personally help me. This happened multiple times, sending the same paperworks multiple times that the Branch Manager had to call the mortgage department herself and ask whats going on? That literally went no where and we just had to keep faxing the same paperworks over and over again. The branch manager even emailed it directly to the mortgage department and fax it at the same time. 

After months and months of doing this they decided to deny helping me resulting of me facing foreclosure of our home. 

And until now I am still struggling to save my home to where I even filed for XXXX XXXX bankruptcy. 

All I want is to save my house that I believed would have been taken cared of a while back if Wells Fargo had worked and sent the correct amount to the Texas Mortgage Assistance.
Consumer complaint received 2023-08-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

My credit score dropped when I paid off the balance of my credit card IN FULL BEFORE THE DUE DATE and my credit score dropped. I disputed it and told Experian I had a problem with Experian, not XXXX XXXX in my dispute report. Selecting XXXX XXXX for the online report was the only was I could create a dispute. On the same date ( XX/XX/XXXX ) that my dispute was resolved and updated, Experian raised my credit score. 

The very next month, I paid off my credit cards in full before the due dates and the same thing happened. I tried to start a dispute online and the website would not let me. I got a message that said I could not dispute the same issue. I called Experian customer service and told them the issue and the person on the phone said I could not dispute Experian. When I said I did the month before, he said it wasn't true. I asked why my credit score dropped about XXXX points and he said " I can't give you credit advice. '' I didn't ask for credit advice. 

Paying off credit card balances in full every month before the due date should increase my scores and FICO, not decrease it two months in a row by about XXXX points. My credit utilization has remained well below 20 % for several months. Decreasing my score has increased my car insurance renewal price and will cause higher interest rates if I need a loan. I am also concerned that I will have irreparable damage to my credit report.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

XXXX, is obligated by FCRA to report accurate accounting. Consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for an e-oscar report, if XXXX does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers account.
Consumer complaint received 2023-09-06
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)

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

Account Name : XXXX XXXX XXXX Account Number : XXXX - {$2900.00} Account Name : XXXX XXXX XXXX Account Number : XXXX - {$0.00} 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 Any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (IN)

this school mislead me they told me i paying back a student loan that i cant even transfer my credit yet instill i cant retrieve them from the school they gave me false information and told me they will help me get my GED however they didnt not help me im still without my GED they promised me to help before graduating from XXXX XXXX i recieved my certificate in XXXX XXXX but i signed loans i wasnt fully aware of trying to make something of myself being a single mom i need help this loan should be cancelled im not responsible for the administration that mislead me on all the necessary information i needed to move foward