davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-11
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. (CA)

I have disputed these accounts, filed a police report, and submitted a FTC complaint. I applied for cable service last month and denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 24 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XX/XX/XXXX {$750.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$7100.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX $ XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$780.00} XXXX XXXX XX/XX/XXXX {$2.00} XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XX/XX/XXXX {$3200.00} Dept Of Education XX/XX/XXXX {$5900.00} Dept Of Education XX/XX/XXXX {$3300.00} Dept XXXX XXXX XX/XX/XXXX {$2000.00} Dept Of Education XX/XX/XXXX {$1200.00} Dept Of Education XX/XX/XXXX {$3500.00} Dept Of Education XX/XX/XXXX {$2400.00} XXXX XXXX XX/XX/XXXX {$1700.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.
Consumer complaint received 2019-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

TODAYS DATE : XX/XX/2019ATTENTION DISPUTE DEPARTMENT COMMONWEALTH FINANCE Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCE I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-07-18
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. (CA)

I have carefully reviewed my credit report in ( BUREAU ). I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2019-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: F.H. Cann & Associates, Inc. (SD)

XX/XX/19 recieved two documented calls from FH Cann within a 3 minute period. Once i returned the call and was notified of missing document needed i verified my address fo rit to be resent. The rep than asked about fax i gave her the number letting her know im not there and to not send anything with amounts on it. less than one minute later this rep sent me paperwork with every loan on it and im XXXX XXXX because i told her it was a public fax and to not send dollar amounts
Consumer complaint received 2019-08-13
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. (TX)

THIS NEGATIVE ACCOUNT APPEARS AS AN UNPAID CHARGE -OFF WITH AN OUTSTANDING BALANCE XXXX. THIS ACCOUNT 'S REPORTING OPEN DATE IS ON THE XX/XX/2014. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY. IT IS REALLY AFFECTING ME A LOT.
Consumer complaint received 2019-08-12
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. (IA)

I only became aware of an identity theft issue on XX/XX/19, when my FICO score suddenly tanked to XXXX instead of XXXX. An account was opened with XXXX XXXX ( whom I'd never heard of until this issue came to my attention ) in my former married name ( that I have not used for over 20 years ) and with a XXXX address ( that I haven't lived at for over 10 years ). Credit reporting agencies deny any responsibility to disclose that the information sought is old data, to creditors. Shame on them ; the whole point in creditors inquiring with those services is to be able to determine if it is a legitimate individual or an identity theft ( which it was ). 
As you are the overseeing institution for the big three, isn't there some protocol that can be put into place that requires the reporting agencies to clarify that former names and addresses are no longer in use, so the creditors and debtor have half a chance at not getting swindled? 
On top of that, XXXX XXXX cleared it up within a week, reported it twice on XX/XX/19 and again on XX/XX/19 ( at XXXX ). All 3 agencies are still saying they've not been informed. Not true.
Consumer complaint received 2019-08-13
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. (FL)

I have incorrect information on my credit file as a result of identity theft : - XXXX XXXX XXXX XXXX - XXXX - OPENED XX/XX/2019 - BALANCE {$1400.00}
Consumer complaint received 2024-09-08
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 am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2019-08-12
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (NY)

I have had one recent fraudulent transaction on my debit card issued by Ally Bank. The transaction was blocked by Ally Bank and I didn't lose money The bank sent an email showing the transaction and advised me to call. After over a half dozen calls, each time being on hold for well over 30 minutes, a voice comes on to say that " no one is available to help you at this time, please call back, good-bye ''.

But meanwhile my debit card has been cancelled by All Bank. I can not charge the card for merchandise, or get cash out of my account, and numerous automatic payments are scheduled to be paid with the now-cancelled debit card. I have tried to reach Ally Bank in an attempt to find out if I have been sent a replacement debit card. 

But, once again, it is virtually impossible to reach customer service at Ally Bank, on phone or via chat.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

A credit card account was fraudulently established with XXXX XXXX XXXX XXXX XXXX using my identity in XXXX, and subsequently reported to the credit reporting agencies as delinquent. Numerous attempts with XXXX to establish the account as fraudulent and have it removed from my credit reports went unanswered. I submitted complaint # XXXX with CFPB in XXXX, and a rep from XXXX responded with a Notification of Suspected Identity Theft form to submit. The form was promptly submitted, and a rep informed me over the phone that the form was received and the account would be removed from the credit reporting agencies and a confirmation letter mailed to me. As of XXXX the fraudulent, delinquent account is still being reported to credit reporting agencies and I have never received any letter from XXXX confirming the removal of the account. I contacted XXXX 's customer service over a month ago and was promised a " supervisor '' would contact me to help but have yet to receive any response. XXXX repeatedly refuses to provide any contacts within the company that can resolve this issue.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

This account was closed in XXXX as never late. They continue to act as the account is opened. And are reporting to the credit bureau 's as if the account is open. According to them the account was closed on XX/XX/XXXX. The balances are reporting different amounts as well. 


I have documentation and it will not let me upload it. Please contact me with email or link that I can send it to if necessary
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I previously requested that you, the CFPB, investigate into a matter on my behalf, and I believe that I did not receive a fair and equitable solution with regards to confidentially or accuracy per 15 U.S.C. 1681 ( b ). Equifax has stated to me, and you the CFPB, that they have " verified '' that the disputed information belongs to me, and that the information reporting is 100 % truthful and accurate. I disagree with said results. By the way, I never consented to XXXX  verification, and do not consent to XXXX  being used as a method to verify information going forward. I would also like to now request any and ALL physical documentation that Equifax used to verify the following disputed information for : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( SAME ACCOUNT REPORTING TWICE!! HOW?! ) ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I also previously informed you that Equifax ignored me, and did not respond to multiple disputes upon proof of receiving them. 15 U.S. Code 1681i is the most basic law out of all, and they did not follow this. That alone is grounds for removal of the disputed information!! Equifax did not decide to move forward with my disputes until I involved you, the CFPB, to handle my request. I also informed you, the CFPB, as to which laws were being violated, as well as the reasons why, yet, you did nothing. I also informed both you, the CFPB, and Equifax, that my private nonpublic information is being shared with Equifax by these financial institutions and collection agencies, -which I did not consent to. This is against the law! You did nothing to ensure the protection of my personal information! There were several violations, but you, the CFPB did not have Equifax remove the data for any of those reasons!! How could Equifax be following the law when companies like " XXXX XXXX XXXX '', " XXXX XXXX XXXX '', AND " XXXX XXXX XXXX '' are still reporting!? Explain to me how they also obtained my personal information!! How did they obtain my social security number and other data to be able to furnish information onto my credit report??? Who gave it to them? Where is the documentation? CFPB, why are you allowing this to happen??!!
Consumer complaint received 2022-08-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

Account opened on XX/XX/XXXX. I did NOT open this account. I am a former XXXX  and this was part of my pension plan. Account balance is {$3400.00} USD. I have tried repeatedly to close account and get XXXX I even sent {$12.00} money order for 2 day check. Citti bank says issue is id verification document. I sent XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX permit which I'd Photi I'd issued by state with photo, name, Birth date and Exp date. XXXX Ss 101.043 from 2016 states that this document is valid for ID purposes. Citi will not accept this and refuses to give me my XXXX I am a partially XXXX XXXX XXXX veteran. I should not have to drive 4.5 hours to a public branch for Citi to resolve this. I do not have a driver 's license. Which seems to be the whole problem. They also will not provide me with a complete acct number. The notice on the account only gives the last 4 of the account # XXXX. I have been trying to resolve this since XX/XX/XXXX and have talked to them weekly since then. They refuse to send my XXXX I am trying to get a DMV photo ID but am waiting on birth certificate to arrive from XXXX Please help.
Consumer complaint received 2024-10-21
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. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2019-08-13
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. (TX)

THE ACCOUNT OF DEPARTMENT OF EDUCATION/XXXX, IS REALLY AFFECTING MY CREDIT 'S STABILITY AND THE OVER-ALL HEALTH OF MY CREDIT REPORT AND SCORES. NOTHING WAS DONE TO SOLVE WHAT IS GOING ON WITH THESE ACCOUNTS AND A REASON TO WHY THEY'RE STILL REPORTING NEGATIVELY. APPARENTLY THEY ARE REPORTING 180 DAYS LATE IN PAYMENTS, WITH OUTSTANDING BALANCES OF : {$810.00}, {$1400.00}, {$1500.00}.
Consumer complaint received 2019-08-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (FL)

I paid off the mortgage with Nationstar Mortgage LLC in XX/XX/2019, however it is still showing as open and with a balance of just over {$210000.00}. I submitted a dispute with the credit reporting company of XXXX in XX/XX/2019 and XX/XX/2019 I was informed that this information on my credit report is correct. I uploaded a satisfaction of mortgage also, however Nationstar Mortgage LLC still states the balance is correct and the account is still open. I called Nationwide Mortgage LLC and they said that I need to pull my credit report and send it to them so that they can research it. I stated I would send them the Satisfaction of Mortgage but they still insisted that I send them my credit report in order for them to review. I refused to send them this as they do not need this info since they can pull it up in their system and see that it has not been updated.
Consumer complaint received 2024-10-21
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. (NJ)

I just received an alert today from credit reporting companies that I have a late payment from XXXX. I have not used XXXX  and accounts from them are not mine. I tried reaching out to their customer service but they have not been responding to my inquiries.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I have disputed this information with proof and the company refuses to respond on time and consider my proof. I believe the company is in willful non-compliance of XXXX XXXX XXXX XXXX XXXX., No. XXXX ( C.D.Cal. XX/XX/1995 ),
Consumer complaint received 2019-08-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RANLife, Inc. (OR)

I saw a house that I want to buy sometime first week of XX/XX/XXXX. I contacted RANLIFE INC on XX/XX/XXXX to get pre approval for XXXX with 5 % down payment. I got the pre approval on the same date. Then I started contacting agent to start the purchase agreement. On the process of negotiations, we were able to negotiate to get the closing cost be shouldered by the seller but in exchange, the price need to be adjusted to XXXX. Lender was contacted if XXXX is still ok to proceed. A go signal was given. We proceed and closed the purchase agreement on XX/XX/XXXX. 

then somewhere along the process, the lender contacted me and said that I need to put more money as the numbers are tight after sitting it down with the underwriter. He said I need to put 10 % DP and that can make it work. He asked me for XXXX ( XXXX earnest included ) total and need to payoff car and credit cards. On my effort and following some of his advised, I was able to get and readied the funds I need for this house. 
Then just this XX/XX/XXXX, we got a call from our agent saying that the lender decided not to approved the loan for this property because they said its more a commercial property and not residential because of the adult care home business that it currently on going on that house. They said that they do not cater commercial loan. 
The problem is they should have told me this earlier. I should have not wasted time and money and underwent emotional stress if that house is not qualified in the first place. He knew from the start that there is a adult care home on that house and its also mentioned in the purchase agreement and even on our mail and phone conversations. He even gave us assurance letter so that we can proceed with our paper works and the owner to give 30 days notice to the current residences. 
He should have not let me continue and spent my resources and money to get ready for the closing. Initial closing date was XX/XX/2019.