davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX To Whom It May Concern, The reason for my dispute is XXXX BAL {$1600.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX, XXXX # XXXX DELETE THESE ACCOUNT THEY ARE NOT MINE. I am unable to locate documentation that they have complied with the any of the federal and state laws requirement, which is a violation of the FCRA & FDCPA. Also, as Stated before 604,605 FCRA Laws I fail to see where THE FOLLOWING INQUIRES WERE not AUTHORIZE Please delete the following : XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, I have filed a complaint the the following addresses are not mine please delete the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2020-04-26
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. (NY)

Experian failed to remove accounts that's not mine and I don't have any knowledge of them on XX/XX/2020, I don't have a XXXX XXXX  account that's delinquent and now it's in collection with XXXX XXXX nor do I have a XXXX XXXX XXXX account thats also in collection with XXXX XXXX, these collection accounts need to be deleted, they are not mine, also on my credit report there's no XXXX XXXX nor XXXX XXXX XXXX that's proof owner ship to these accounts they don't exit on three of the credit bureaus, XXXX XXXX collection accounts needs to be deleted
Consumer complaint received 2024-09-11
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. (MS)

I am filing this complaint due to me mailing multiple letters off for experian and transunion to remove these items which have been removed from my equifax. Please be aware that automated responses or XXXX verifications are unacceptable for addressing this matter. A detailed DELETION and explicit disclosure of your verification method are required as per the statutory guidelines. 
This communication serves as my final goodwill attempt to rectify this matter amicably. The disputed item is not only inaccurate but also incomplete and represents a significant error in your reporting. I am maintaining a detailed record of all communications for this issue, to be used for filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office. 
Please note that failure to satisfactorily resolve this matter within XXXX days of receiving this certified letter may prompt me to initiate a small claims action against your company, seeking {$1000.00} per violation for : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Renorting Act
Consumer complaint received 2020-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

Was never advised or received notice Fifth Third Bank Master Card was  cancelled/closed. There was NO balance on this card as I pay my bills monthly. After attempting to use card it was rejected. Went to research online but account no longer exists. Credit monitoring alerted me that bank had closed card with no reason given or any ( phone, Email, written correspondence ) notification given. It was summarily and arbitrarily cancelled. No files available to upload as I have never received ANY communication from Fifth Third Bank whatsoever.
Consumer complaint received 2024-08-13
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: Experian Information Solutions Inc. (OK)

My experian credit report showed XXXX XXXX student loan accounts reported while I only had XXXX loans. XXXX of those accounts have the full balance in them 1 subsidized 1 unsubsidized while the other 2 had the prior half balances that were also totaled into the full accounts. I disputed this multiple times and after several attempts of stating they were balances included in the full reported accounts they removed only 1 of the 2 incorrect accounts. They are reporting several XXXX dollars in false loan information by doing so. XXXX states it's not them and it's experian and the XXXX site only shows the {$8700.00} student aid balance in federal loans but experian continues to show {$11000.00} in XXXX loans. As I disputed this multiple times and experian continues to show false balances and extra accounts while XXXX responded with they are accurate or the correct information and balances would of been fixed I am filing this report.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 USC 1681 e ( b ) Accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure then 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 information ( A ) In general if, after reinvestigation 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 ( i ) promptly delete the item of the information from the file of the consumer, or modify that the item of information, as appropriate based on the results of the reinvestigation, an ( ii ) promptly notify the furnisher of that information that has been deleted or modified from the file of the consumer.

Please remove the following items from my report.
Consumer complaint received 2020-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

FedLoan Servicing ( PHEAA ) has begun ignoring my payment instructions yet again. This is the fourth CFPB complaint I have had to file because this company refuses to follow my payment instructions. My standing payment instructions were attached to my last CFPB complaint, and FedLoan Servicing has acknowledged receiving these instructions and agreed to follow them as part of my last complaint. The most recent example of incorrectly applied payments is my XX/XX/XXXX payment for {$360.00} that was applied to my loans on XX/XX/XXXX. I called them about making a payment, and they said I could still mail in a check with a note while my loans were in deferment. So I mailed a check on XX/XX/XXXX with a note to apply the payment according to my standing instructions. Instead of applying {$5.00} to the entirety of the outstanding interest on all the loans and then applying the rest of the payment to the principal of the loan with the highest interest rate and lowest balance ( Loan Sequence 3 at 4.66 % ), they applied the entire payment to only 2 loans : Loan Sequence 4 at 4.29 % and Loan Sequence 1 at 3.86 % It looks like FedLoan Servicing ( PHEAA ) may have incorrectly been using  the temporary interest rate of 0.00 % instead of using the actual interest rates on my loans when they applied this payment to the loan principal, and they didn't apply they payment against the entirety of the outstanding interest before applying money to the principal, as they state they do. 

I have attached 3 documents : the instructions I sent with my payment on XX/XX/XXXX, my account history from XX/XX/XXXX showing outstanding interest of {$5.00}, and the XX/XX/XXXX payment history details for my XX/XX/XXXX payment.
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

Equifax REFUSES to delete a fraudulent Collection that both XXXX and XXXX both found to be fraudulent during their investigation and removed. Though Equifax deleted the charged off account associated with this fraudulent account, they refuse to use the same LOGIC and remove the collection account. I have provided direct correspondence from XXXX and XXXX as well as Equifaxs own findings that shows their investigation was concluded and was found in my favor, Equifax ignored this and instead refuses to delete. This fraudulent collection account continues to report and damage my credit score monthly.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I requested XXXX Equifax and XXXX to look into my credit report fornaccuricies that pertained to my XXXX XXXX acct and they verified whatever information they had in the system. I was not satisfied with the result so I reached out to the company and requested the information that they were verifying. To my surprise i found that the amount that the 3 bureaus verified is {$16000.00}. The information I was supplied with from XXXX XXXX reflected {$13000.00}. 

Equifax and XXXX has addresses that i do not recognize. I would like the record to reflect XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
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. (IL)

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal auto loan account opened at XXXX XXXX XXXX $ XXXX XX/XX/XXXX under the account number ( private ), an a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX {$11000.00} under the account number ( private ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Consumer complaint received 2024-09-06
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)

On XX/XX/XXXX I notice unusual activity on my credit report. This is fraudulent activity. Fraudulent inquiries are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX / XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

XXXX  XXXX  XXXX-Chase-XXXX XXXX-when people were asked to start checking their accounts balance for Stimulus Check-banks-credit unions started charging a fee for checking bank balance-this the financial institutions did not do- before people were asked to check their bank balance for stimulus checks
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion freezes my account at a different periodicity then they do my husbands. 

I am using my husband as an example because we have had the same experience. 

When we moved to XXXX  from XXXX XXXX- Transunion froze my credit report without informing us. They claimed that they thought my identity was stolen, however my husband 's profile was experiencing the same changes and his credit was not frozen. 

It took no fewer than 12 hours on hold, and cost us more hotel rentals and kept us from getting in to a rental property by a week. 

Today I attempted to check my credit again, and my account is frozen. There is no way to talk to a representative and I was on hold for hours. 

I want transunion to have to talk to customers before freezing account and they should have to tell people when their account has suspicious activity.
Consumer complaint received 2024-09-06
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. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.
Consumer complaint received 2024-10-23
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. (MN)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-04-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I am in the process of refinancing my mortgage with Wells Fargo, the current holder of my existing mortgage. On XX/XX/2020, I was asked to sign a release for multiple years of my tax returns. I was also asked to sign a form titled, " Borrower Consent to the Use of Tax Return Information. '' I reviewed the form with my attorney, who recommended I cross out the lines allowing use of my tax return information for purposes of " marketing '' and " as otherwise permitted by applicable laws, '' leaving in the sections on " providing an offer '' and " originating, maintaining, managing, monitoring, servicing, selling, insuring, and securitizing a loan. '' On XX/XX/2020, I was asked via the online system to resign the form without the crossed out sections. On XX/XX/2020, I was told by the Wells Fargo agent I am required by federal law to sign this form, including allowing Wells Fargo to use my tax information for marketing purposes. Is this a true statement? Why would I be expected to agree to use of such personal information for marketing and unspecified purposes?
Consumer complaint received 2024-09-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

My car loan - account number XXXX- with Citizens Bank was set up for auto pay for an amount of {$390.00}. The last payment was due this month- XXXX, XXXX. It was usually taken out of my bank on the XXXX of the month. I checked my bank today and noticed that the payment was not taken out. The XXXX was a Sunday so I assumed that the payment would be taken out today. To make sure I called Citizen 's Bank to make sure it was coming out and the auto message said the payment was delinquent. I waited on hold to speak to an agent who told me that my account was not set up on autopay, even though all the payments were made via auto pay. He the told me autopay was disabled because the contract matured on XX/XX/XXXX, which was a Saturday and the payment couldn't be processed on the weekend. He said I had to authorize a payment today, which I did. He also said that the payment might take two days to process. I told him that today - XX/XX/XXXX was the last day of the month and I didn't want to receive a late payment reported on my credit report. My credit score is over XXXX and i set up all my payments via autopay to make sure my payments are made on time. He told me the payment wouldn't reflect late. I asked for a confirmation email saying that and he said the system couldn't do that. He gave me a confirmation # - XXXX