davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
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. (IN)

I am submitting a complaint against the credit reporting agencies XXXX, Experian, and XXXX due to inaccuracies in my credit report, which violate the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I filed a dispute with XXXX, XXXX, and Experian addressing incorrect information in my credit report, specifically regarding the following items : 1. Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic XXXX  XXXX Account Number : XXXX Update to paid as agreed. 
2. Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy XXXX  Account Number : XXXX Please Delete Immediately 3. Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately 4. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 XXXX Account XXXX : XXXX Please Delete Immediately 5. This is not my name. 
Incorrect Name - XXXX XXXX XXXX Please delete this inaccurate name from my credit report. 
XXXX. This is not my address Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, KS, XXXX Remove this address from my credit report I supplied all required documentation and evidence to support my claim. Unfortunately, even after the investigation, the erroneous information remains on my credit report.Despite submitting a dispute with evidence, the credit reporting agencies failed to correct the errors. This violates their duty to provide accurate information and correct and update information. They also neglected to indicate the dispute by me and provide notification of consumer dispute in my subsequent reports. They also failed to follow reasonable procedures to ensure maximum possible accuracy of my report.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-01-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (OR)

filed a complaint with you with the CFPB XXXX XX/XX/XXXX and it was the case number XXXX - XXXX. 

I don't believe you addressed it a lot of the issues the issue number one was the attorney I had hired sent you papers all you had to do is sign them and the loan would have been paid off. YOU guys didn't do that OK you guys always kept saying we will do it. 

You say in that letter that I was the executor I was never the executor of my father 's estate If I was the executor in the estate they would have paid for the loan but I wasn't the executor and it executor needed prove that I was not on the loan. 

I show I have 12 hours I'm just calling the last 3 months when the judge said we're gon na give you a little while and then I went to court again and the Judge give one month extension. I still didn't get the letter The estate of XXXX XXXX XXXX was paying the loan off if I got proof that he was the only one liable for the loan. My lawyer even sent papers all you had to do was sign them and send them back and you couldn't even do that so I feel that was negligent on your part. After 2 years of trying to get that paper talking over 30 different people even relationship managers let 's see I've had 3 of those I think You said you sent me letters with the interest rate going up. If you look at the address you sent it to my dad 's house you never change the address in XX/XX/XXXX when I sent it with the birth certificate so I never even got the 1st one on XX/XX/XXXX.
Consumer complaint received 2021-12-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Starmark Financial LLC (NY)

On or around XX/XX/XXXX I was directed by XXXX XXXX XXXX to contact Starmart, ( a debt collection servicer ) to pay off a balance on my credit report that is in collection. Starmart rep n I struck an agreement to delete the faulty account if I could pay XXXX which is less than what they said I allegedly owed. So I made the payment n was told XX/XX/XXXX the account would be removed from my Credit reports. 

However, what has happened is XXXX has updated the amount to XXXX owed from XXXX owed n wont talk to me. It is now in May n my credit report is still affected n I have incurred damages n been denied credit to leverage out of my situation.

Starmart know that the promised to have this resolved and send me a written letter but they have not done so. As of 2 days prior I was promised a email which I did not receive.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On or around XX/XX/XXXX I was directed by XXXX XXXX XXXX to contact XXXX, ( a debt collection servicer ) to pay off a balance on my credit report that is in collection. XXXX rep n I struck an agreement to delete the faulty account if I could pay XXXX which is less than what they said I allegedly owed. So I made the payment n was told XX/XX/XXXX the account would be removed from my Credit reports. 

However, what has happened is XXXX has updated the amount to XXXX owed from XXXX owed n wont talk to me. It is now in May n my credit report is still affected n I have incurred damages n been denied credit to leverage out of my situation. 

XXXX know that the promised to have this resolved and send me a written letter but they have not done so. As of 2 days prior I was promised a email which I did not receive.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, 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 XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX # XXXX XXXX : # XXXX XXXX  : # XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX  : # XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX 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.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BK OF AMER is reporting on my personal credit file. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisherhas not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( BK OF AMER XXXX, BK OF AMER XXXX )
Consumer complaint received 2021-12-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revenue Enterprises, LLC (NM)

The initial notice from Revenue Enterprises ( RE ) was received XX/XX/21. I sent my notice via certified mail disputing the debt 's validity and requesting Validation and Verification on XX/XX/21 ; it was received by RE on on XX/XX/21. 

RE ignored this notice, failed to validate and verify the debt, and mailed a 2nd notice ( received XX/XX/21 ) claiming the the debt to be collectable and threatening interest. I mailed my response via certified mail on XX/XX/21 refuting RE 's claims and notifying them of the Fair Debt Collection Practices Act violation. 

At this time, RE has made no attempt to validate the debt or met my requests that were made in accordance with the FDCPA.
Consumer complaint received 2022-02-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-02
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TN)

i have partnered with XXXX XXXX XXXX in order to avoid bankruptcy. I have had a hardship and I am unable to pay my debts at this time. I have notified all of my creditors, all have complied with the do not contact request except for Onemain Financial, XXXX. I have sent them numerous requests to stop contacting me, especially at my place of employment. They are calling no less than 5 times a day! They are sending letters to my home, my husband, my place of employment and calling my cell phone relentlessly. This must stop. I have told them my situation however they refuse to stop harassing me!
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (AZ)

XXXX, XXXX and XXXX, XXXX have been reporting incorrect information to credit bureaus. My credit scores have gone down and I am not getting approved for housing loans. No credit increases approved nor any new credit cards granted. Credit badly hurt owing to irresponsible reporting. Several letters wrote but to no avail. XXXX and XXXX would not submit proof that the alleged debts belong to me. Legal letter sent a couple of months ago but to no avail..
Consumer complaint received 2021-12-23
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)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AK)

Fraud/scam through Wells FargoXXXX for {$1000.00} XXXX 

Received a text at XXXXXXXX XXXX on XX/XX/21 allegedly from Wells Fargo to confirm my money transfer via XXXX. I did not initiate that transfer; replied " no '' to the text. 

A phone call followed from seemingly the Wells Fargo fraud department ( number saved in my phone ). The caller explained that the money needed to be moved to a new account to avoid further XXXX transfer attempts. They had me create a new XXXX account with my name and phone number, no other information disclosed. My login information was not disclosed during the call. Then a {$1000.00} was transferred to a recipient with my name and my phone number. Turns out it was a fraud/scam - the money " has been received '', but not in my newly created XXXX account XXXX 

Wells Fargo has been contacted on XX/XX/21 to open a fraud investigation under Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP (PA)

I have sent certified letters to Keybank on XX/XX/2021 and i have on numerous occasions submitted complaints about this same issue over a year now regarding the unauthorized reporting of the negative payment history being reported on my consumer report. Pursuant to 15 U.S. Code 1681a2 ( A ) ( i ) which states that The Congress has found the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. Keybank has violated my right to privacy and this statue by reporting the payment history information of this tradeline account to the consumer reporting agencies. The Congress said transactions or experiences should remain between the consumer ME and the person Keybank thereby making the reporting of this accounts payment transactional history inaccurate. 
Pursuant to 15 U.S. Code 1681a ( b ) ( 1 ) Keybank has injured my credit worthiness, credit standing, credit capacity, character, personal characteristics, and has caused me mental anguish as you have violated my consumer right to privacy and damaged my reputation ;
Consumer complaint received 2023-05-05
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. (IN)

I am submitting a complaint against the credit reporting agencies XXXX, XXXX, and Equifax due to inaccuracies in my credit report, which violate the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I filed a dispute with Equifax, XXXX, and XXXX addressing incorrect information in my credit report, specifically regarding the following items : 1. Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic XXXX XXXX Account Number : XXXX Update to paid as agreed. 
2. Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy XXXX Account Number : XXXX Please Delete Immediately 3. Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately 4. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 XXXX Account Number : XXXX Please Delete Immediately 5. This is not my name. 
Incorrect Name - XXXX XXXX XXXX Please delete this inaccurate name from my credit report.

6. This is not my address Incorrect Address - XXXX XXXX XXXX XXXX # XXXX XXXX, KS, XXXX Remove this address from my credit report I supplied all required documentation and evidence to support my claim. Unfortunately, even after the investigation, the erroneous information remains on my credit report.Despite submitting a dispute with evidence, the credit reporting agencies failed to correct the errors. This violates their duty to provide accurate information and correct and update information. They also neglected to indicate the dispute by me and provide notification of consumer dispute in my subsequent reports. They also failed to follow reasonable procedures to ensure maximum possible accuracy of my report.
Consumer complaint received 2023-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (FL)

Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account. {$1200.00} past due as of XXXX XXXX. 
Status updated XX/XX/2023 Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Unable to verify ownership. Can not provide itemized bill that corresponds to a date that I actually received services. 

Hospital can not verify debt. They have no record of bill. They have no record of service provided to me on that date.
Consumer complaint received 2021-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I signed up for a credit card with Citi bank that I thought advertised as intro 0 % apy for 18 months. But by the time I realized they were charging me interest. I had already accumulated $ XXXX in interest charges. 

I contacted them and they informed me that the intro 0 % apy wasnt on standard purchases, but only intro 0 % on balance transfers. When I asked to waive the interest, they said to pay off the balance then they can waive the interest. 

Once I paid it off, they tell me the system can only waive on statement per year.
Consumer complaint received 2022-02-04
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry from my credit file. I need the following inquires to be removed ( XXXX Inquiry Date XX/XX/2020 )
Consumer complaint received 2021-12-24
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: DISCOVER BANK (FL)

I used my Discover Business Credit card to pay for services from a website developer. 
The website was not delivered to me - I do have access to the credentials or have ownership of the work. I paid {$3900.00} to have a custom website plus other branding, graphic illustration etc. created for my company on XX/XX/2021. When the work had not been completed in XXXX I filed a dispute with Discover Card that but they charge it back stated that the work had been done. I explained to them that first of all the work had not been finished, and that more importantly I was no given ownership of the website or other assets that I paid for so that does not equate to services rendered because it was not delivered to me. Since I do not have access to the files and right to them I can not not use them. They advised me to take legal action against the company but they would not credit my account,
Consumer complaint received 2022-01-18
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: EQUIFAX, INC. (OH)

Tried to unfreeze my credit information for 24 hrs. The agent I dealt with at Equifax was hard to understand and did not unfreeze the account. I was trying to deal with XXXX XXXX XXXX XXXX XXXX. Will probably miss the promotion price they are offering.