davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

There are 2 issues with Wells Fargo Dealer Services : 1 ) I secured a deferment for account XXXX  in XX/XX/XXXX to ensure that i would be caught up and not 30 days late. However, looking at my report, it appears that i was dinged in XXXX for being 30 days late. This error needs to be corrected as my credit score is dinged because of this late mark.

2 ) Account XXXXXXXX is over 7 years and needs to be removed from the Adverse Accounts on my Credit Reports. The Date of First Delinquency on some credit reports is XX/XX/XXXX and others is XX/XX/XXXX. I can not find a complete list of payments for this account and believe a delinquency occurred earlier. Since Wells Fargo hides the payment information, i can not find a complete picture on any credit monitoring system. The credit report data i have seen only goes to XX/XX/XXXX. In order, to be able to manage my credit i need a complete picture of all payments - that is from XX/XX/XXXXthru XX/XX/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. (MI)

In accordance with the Fair Creait Reporting act. The List or accounts below nas violatea my rederally protectea consumer rignis to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : 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 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.
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} CAXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-06
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$8200.00} XXXX XXXX  XXXX XXXX XXXX : {$2000.00}
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

On XX/XX/19 I called Capitol One and made 3 payments to catch the account up-to-date per emails and regular mail I received.

XX/XX/19 {$120.00} XX/XX/19 {$120.00} XX/XX/19 {$120.00} The woman that I spoke to at Capital One repeated all the information and the dates and they were correct.

That evening I went to dinner and was unable to use my debit card and I was sure that I had enough money.

The next day I checked my account on the phone and {$120.00} was taken out by Capital One as of XX/XX/2019, which I did not authorized. This caused my account to be overdrawn, an overdraft fee of {$37.00} applied to my account and to have no money left that I had allocated for groceries and gas.

I called Capitol One and they were able to put money back into my account. But to call my bank and it was up to them how long it took for the money to be returned to the account. My bank said the way Capital Bank took the payment out, they could not control how fast the money would be returned to the account.

Finally the last person I spoke with gave me the fax number of the corporate department, but I was not allowed to talk to anybody in that department. I did sent a fax on XX/XX/19.

The bank 's customer service is horrendous. I have been calling back and forth and have spoken to several people : 1 woman cut me off, 1 woman left me on hold for over 15 minutes, 1 senior manager was condescending and threatening.

I fail to see how it could take Capital One only a few hours to get the money out of my account unauthorized, but it would like a week or more to have the money returned to me. It should be directly returned to my account.
Consumer complaint received 2024-09-06
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. (MO)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX : {$750.00}
Consumer complaint received 2019-01-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America is the current mortgage servicer of my second mortgage which was sold in a mortgage securities pool in XXXX. The mortgage was fraudulent upon issuing. Pursuant to 10 PA Code Section 48.3, the company issuing the mortgage used and provided fraudulent information contained in these sections of the PA code : ( 1 ) A dishonest practice or conduct is characterized by a lack of truth, honesty or trustworthiness, or is deceptive or implies a willful perversion of the truth to deceive, cheat, or defraud. ( 2 ) A fraudulent practice or conduct is characterized by deceit or trickery, an intentional perversion of the truth to induce another to part with something of value or to surrender a legal right, or an act of deceiving or misrepresenting. Fraud also includes any other  definition of fraud under applicable law. Example A : A mortgage originator employed by a mortgage broker has promised a certain low-rate mortgage loan to a consumer. However, the consumer does not have the minimum debt-to-income ratio set by the lender preferred by the mortgage originators employer to qualify for the lowest-rate mortgage loan offered. Therefore, the mortgage originator changes the XXXX statement of the consumer to reflect a higher income for the consumer without the consumers knowledge, and then submits the documentation to the lender. Example B : An employee of a mortgage lender contacts a real estate appraiser with a request to perform an appraisal and informs the appraiser that the sale price of the property is {$150000.00}. The employee knows that the property will not appraise for that amount, but promises the appraiser future business if the appraiser can make the deal work. The mortgage loan is closed by the mortgage lender based upon the appraisal report showing the value of the property as {$150000.00}. I was tricked into this mortgage during desperate times. The interest rate is 9.75 % fixed. I had been paying interest-only for 10 years, and in XXXX I was required to start paying principal and interest. I have been struggling with these payments and will not be able to hold on much longer. I love my house and want to spend the rest of my life here. Please help me.
Consumer complaint received 2019-01-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: D2 Management LLC (CA)

On XX/XX/2019, D2 Management called my work phone. The woman that I spoke with was deliberately rude.  After disconnecting the call I called the company back and asked that they no longer contact my work phone. They man that I spoke with refused to document my request unless I give my social security number, which I informed him I am not comfortable disclosing over the phone.  After speaking with multiple people and being transferred multiple times (while each person refused to honor my request), I asked for the company address to send a certified letter. The "supervisor" that I spoke with told me "this is a two-way street, if you want something you have to give me something. I need you to verify this information". I again told her I am not comfortable disclosing that information over the phone and again asked for the address so that I could send a certified letter and request that they not contact me at work.  Again the woman refused. I had to search the internet to find the address.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/2024, I submitted a dispute package to TransUnion regarding fraudulent accounts on my credit report. This package included a police report, proof of identity, and a request for GAAP-compliant verification of the accounts. Under 15 U.S.C. 1681c-2, TransUnion was required to block these accounts within 4 business days. However, as of XX/XX/2024, no action has been taken, and their online system shows that the dispute wont be completed until XX/XX/2024, far exceeding the statutory timeframe. 

I contacted TransUnion on XX/XX/2024, where an agent confirmed that the file had been updated to reflect fraud ( File # XXXX ). However, the agent incorrectly claimed that all disputes, including fraud-related ones, follow a 30-day process, which contradicts the law that mandates a 4-day blocking requirement for identity theft cases. This misinformation and failure to act have caused financial and reputational harm. 

Following my initial CFPB complaint ( # XXXX ), TransUnion responded to the CFPB on XX/XX/2024, stating they were still working on the issue and might require up to 60 days. This response ignores the statutory 4-day requirement and continues to perpetuate the misinformation that disputes, even in cases of fraud, take 30 days or more. While their investigation can proceed, TransUnion is legally obligated to block fraudulent information immediately once proper documentation is received. 

Despite submitting all necessary documentation, including a police report, identity verification, and an SEC report, and notifying TransUnion that I had the FTC Identity Theft Report ready, they have delayed taking action, violating the law and causing significant damage to my creditworthiness. The response to the CFPB demonstrates that TransUnion is sidestepping its legal obligations, further damaging my financial standing and perpetuating harm. 


Additionally, XXXX faced similar compliance issues regarding my fraud dispute, causing delays and harm to my credit standing. Both credit bureaus are failing to uphold their legal obligations, despite my proactive efforts to resolve these issues. CFPB # XXXX XXXX Report # XXXX
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2019-01-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MA)

We purchased our primary residence at XXXX XXXX XXXX XXXX,  XXXX XXXX, MA XXXX for {$470000.00} in XX/XX/XXXX through a primary mortgage loan and second provided by Well Fargo. Even with the sharp decline in property values in XXXX, in the intervening 10-year period the property has never appraised for more that {$350000.00} through at least 3 other independent appraisers. Consequently, we can not refinance the house through any alternative lender ( even through the VA ) since, after making payments for over 13 years, the outstanding balance is {$370000.00} and at an exorbitant interest rate of 6.875 %. We have contacted Wells Fargo two ( 2 ) times requesting a refinance ( combining both the {$300000.00} primary and {$71000.00} second into a single 15-year mortgage or simply refinancing the first at a lower rate ) but, they are unwilling to make any changes or amendments. We are of the belief that Wells Fargo artificially inflated the appraisal in XXXX and now, through interest rates that are double the current rate and due to a fraudulent appraisal, they are unwilling to provided us with any recourse or alternative due to their deceptive lending practices. Additionally, these practices and timelines are perfectly consistent with the issues surrounding a {$2.00} XXXX fine wherein Wells Fargo artificially inflated applicant 's incomes ( they must have inflated ours to qualify for the fraudulently inflated appraisal amount ) and XXXX XXXX fine from you and the Office of the Comptroller of the Currency ( wherein Wells Fargo inflated the appraisal in order to collect additional fees based upon the higher property value ). I hereby request the assistance of the CFPB in helping us resolve this issue with Wells Fargo.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. 

The account in question does not belong to me, and I have serious concerns regarding its validity. I have previously requested documentation, including the purchase agreement and any other supporting documents, to prove full ownership of this account. To date, I have not received sufficient evidence to verify that this account belongs to me.
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. (NY)

On or about XX/XX/year> someone purchased a vehicle in my name without my knowledge or consent this account was disputed a police report was filed and given to the company ally financial which did there investigation and removed the account from all three of my credit reports. Yet it is still on my equifax report
Consumer complaint received 2024-09-06
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. (IL)

I'm concerned about these unfamiliar inquiries on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress  and XXXX.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I reached out to XXXX, Trans Union and XXXX to have inquiries old addresses that were affiliated with negative accounts, that no longer reside at collections close the counts report and open inquiries in which I never received serves. This is good for to be removed from my credit profile.
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. (SC)

The three credit bureaus have not yet taken any action regarding my complaint to remove the inaccurate items from my credit report. This is extremely distressing to me, and I want these negative accounts removed from my credit report. If the three bureaus do not take any steps or actions, I will file a complaint in court with the assistance of my lawyer. Additionally, I want to impose fines on the said bureaus due to the impact of the inaccurate data on my credit report. I hope they address this matter promptly to avoid legal action