davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-01
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)

The credit bureaus keep disrespecting the laws, i showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to the 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681i ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate I can go on and on The credit bureaus have no respect for the laws Someone needs to hold them accountable for this
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I have sent several request to both XXXX and Experian to remove incorrect addresses, phone numbers, income of SSI, and names from my credit report. However, even though the emails and website shows deleted it still is showing on the report and it is affecting my closing process on my new home. 
There should only be one address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX One phone number XXXX one name : XXXX XXXX XXXX
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX is reporting and validating inaccurate information pertaining to the account XXXX XXXX XXXX - XXXX. XXXX furnished payment history for the account and reported to XXXX that my account was last paid XX/XX/2022. However the balance history reporting on XXXX does not reflect a XXXX payment being made. This is evidence of inaccurate information. Consequently the account needs to be deleted immediately. Furthermore the account was charged off in XX/XX/2022 however the account was reported inaccurately by XXXX from XX/XX/2022- XX/XX/2022 as past due. According to my credit report, the past due amount on my account is XXXX but the status reported on the account says " Account charged off. {$560.00} written off. {$290.00} past due as of XX/XX/2022. '' which is inaccurate reporting, and the account status is listed as " past due. '' However, the account was charged off on XX/XX/2022 and the balance was subsequently written off by the creditor. As you are aware, charged-off accounts are not considered to be past due and should not be reported as such. The inaccurate reporting of my account has had a negative impact on my credit score and has prevented me from obtaining credit at favorable terms. XXXX stated that the account remains along with this explanation " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details ''. There is bonafide  evidence that the account has been reported inaccurately and that said evidence can be found within the account information on XXXX. XXXX 's lack to adhere to the Fair Credit Reporting Act and hold XXXX accountable for the inaccurate information has caused a significant impact on my credit score and financial well being. 

The Fair Credit Reporting Act ( FCRA ) regulates credit reporting in the United States, and it specifically prohibits the reporting of inaccurate or incomplete information to credit reporting agencies. If a person knowingly or willfully provides false information to a credit bureau, they can be subject to fines, legal action, and even criminal charges. Additionally, the person who is harmed by the false information may have the right to sue for damages. It is important to ensure that any information reported to credit bureaus is accurate and truthful, as it can have a significant impact on a person 's credit score and financial well-being.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (AZ)

Wellsfargo automatically opened acct when wellsfargo mortgage bought out my mortgage bank in 2011. And I have lost money on my mortgage. 
I have XXXX so I'm sure the records will straighten out that owes me. Thank you
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA (MA)

I canceled my XXXX XXXX XXXX XXXX  and paid the balance in full. XXXX months later I received a late notice for {$1.00}. I called and paid it immediately even though I had no idea what it was for. Unfortunately I have no dates available to put down because Goldman Sachs customer service says they dont have access to it. I asked XXXX supervisors to please not let my XXXX XXXX get ruined over {$1.00} and they all agreed that it would be wrong to do that to a customer. However, I have received XXXX emails saying that they are standing by their decision. My XXXX XXXX went from an XXXX to a XXXX. I am at my wits end and really need someone with a XXXX to help me or just someone who has common decency.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-04-14
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Holdings LLC (TN)

In 2011 my husband took out a reverse mortgage with Urban Financial Group. We had 2 residences on one piece of property and it was recommended that we sub-divide the property so that each residence was separate. We did this and after completion, closed on the mortgage. The second residence was put up for sale last year and when the buyer did a title search it was found that the wrong property was on the mortgage. This was last XXXX. HUD and Urban were contacted at the time and it's now been XXXX months and the situation is still being " discussed internally '' with no positive action to fix this " error at origination ''. I have not been able to " talk '' to anyone about this, all communication has been either with my realtor or emails with HUD and Urban. HELP I need to close on this property as with the length of time it's taking the buyer might well back out
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2023-04-06
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: AMERICAN EXPRESS COMPANY (FL)

Since XXXX I have been going back and forth with American Express to waive the annual fee for XXXX. ( XXXX XXXX service member ) {$700.00} annual fee Multiple times they have enter the incorrect request such as XXXX. They keep apologizing and stated that the correct request is put in now and I need to wait an additional 60 days. I have been going through this with them for almost 120 days and they are unable to provide any update or escalation. 

Meanwhile the interest charges keep accumulating. I find this to be a dis service for military considering it was there mistake in the first place and I'm left clueless and noone has any answers. 

I have sent them my military order, ID, and XXXX letter showing that I am XXXX XXXX and they still keep my status PENDING and have not waive the annual fee.
Consumer complaint received 2023-04-01
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: CITIBANK, N.A. (MA)

Its over 3 months that I am trying to resolve a charge in my credit card. My problem started when I order a sweater from XXXX, the site has the return policy guaranteed and, I tried to return the sweater immediately I got it, XXXX didnt accept my request and then I contacted Citi credit card they opened my dispute for over 3 months and, I contacted both ( XXXX and Citi XXXX several times but the customer service is terrible, they always promised to resolve it in 3-5 business days but both never did anything! I have everything documented!!!
Consumer complaint received 2023-03-15
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. (MI)

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. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2024-10-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (MD)

In XXXX of 2023 my husband received notification from the State of Maryland that he no longer owed property taxes due too his veteran status. XXXX! I immediately sent the official document from the State of Maryland and the Tax office showing the taxes were eliminated to my mortgage company ( NewRez ). I have documentation of my request for them to replace the corrected tax bill and lower my escrow payment and therefore my overall mortgage payment. 

In XXXX of 2023 NewRez paid the partial tax bill of {$3600.00} despite our documentation and county tax document received showing that {$0.00} was owed. In addition, NewRez INCREASED our escrow and therefore the mortgage payment by $ XXXX when it should have been reduced by $ XXXX! A {$600.00} swing! We then spent the next 3.5months chasing the tax office around only to have them issue the tax refund to NewRez in XXXX ( all documentation in hand ). I called NewRez and was told they are still " researching '' my account. 

In XXXX after paying 8 months of an unnecessarily increased mortgage payment, the county sent a new bill to NewRez, again showing we do not owe property taxes. I called New Rez sent another XXXXportal ' message asking them to refund my money and reduce my mortgage payment. Later in the month I received a response that they were again " researching my request ''. In XXXX I had a chat with an account representative who said she has no update for me. 

We are now about to make the XXXX payment and for MORE THAN ONE YEAR NewRez has charged and collected an extra $ XXXX from us and still has not refunded us the tax money they were refunded from the county on our behalf. They have not provided an escrow analysis or any analysis on my account to correct the charges or provide me with an accurate payment that reflects the state benefit my husband earned serving this county. 

Since NewRez has not responded, reacted, adjusted, or even acknowledged the changes required I must seek consumer protection, advocacy, or some other means of leverage with this company. Very few people can absorb an additional $ XXXX error in their bill for a year.
Consumer complaint received 2023-03-15
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. (MI)

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. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

Delete all the fraudulent inquiries. as listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-29
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (CO)

I do not owe the debt. I received a letter from XXXX XXXX XXXX XXXX XXXX account number XXXX about a debt is a collection agency that states I owe a debt to XXXX XXXX XXXX which I occupied XX/XX/year>. I completed my lease contract and left with a XXXX balance. I don't owe the debt but I contacted XXXX and requested to pay the alleged amount owed for deletions from all reporting agencies. I was told by a supervisor that because I have repeatedly disputed the debt XXXX will not request deletion due to me disputing the account. To my knowledge a paid collection is still viewed as derogatory on all credit bureaus. 

Most recently I sent a certified return receipt letter to XXXX requesting validation of debt to include the following XXXX points. Proof of debt, Account statements, verification of assignment, detailed breakdown of charges and license information.
Consumer complaint received 2023-04-06
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc. (TX)

Cash app closed my account on XXXXwhen I asked them why did they close my account they said I violated the terms and conditions I have asked them several times what term and condition did I violate but I have gotten no reposnse. I have appealed the decision and still no response. Cash app will not allow me to start a new account due to this issue and I do not understand what I supposedly have done.
Consumer complaint received 2023-04-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc. (DC)

I was charged by the advanced collection bureau for an apartment I never lived in or stay at as result of identity theft. I called the advanced collection bureau on XX/XX/23 and let them know this was identity theft and they let me know to send them over some information.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (VA)

I was checking my credit score. I noticed an alert. The alert said a new credit inquiry. I did not allow XXXX XXXX XXXX XXXX to run a credit report. This credit report was run on the same day I was notified of the alert, XX/XX/2023. 
Did not allow access. Did not allow permission. 
I want this New Inquiry removed immediately from my credit report.
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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  account number # XXXX 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 2023-03-15
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)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do.

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.