davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX XXXX XXXX Sunday, XX/XX/XXXXXXXX  Federal Trade Commission Consumer Response Center XXXX XXXX XXXX , XXXX XXXX  , DC XXXX Re : Incorrect Listing of XXXX  XXXX Bankruptcy on Credit Report Dear Sir/Madam , I am writing to formally request the removal of an inaccurate XXXX XXXX Bankruptcy listing from my credit report. 

According to my personal records and as confirmed by the USBK Court XXXX California, my bankruptcy was dismissed in XXXX of XXXX. Here are the relevant details of the court : USBK Court XXXX California XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Upon realizing the complications of my financial situation, I consulted my legal representative and decided not to proceed with the bankruptcy. He subsequently dismissed the filing, for which I was billed. However, to my surprise, this bankruptcy still reflects on my credit report, even after its dismissal over five years ago. 

The implications of this error are significant. Im XXXX XXXX XXXX fXXXXXXXX  and just recently, while trying to secure rental accommodations alongside my son, I became keenly aware of how this incorrect listing is hampering my ability to secure credit at reasonable terms. It is adversely affecting my credit score, undermining my financial reputation, and creating undue challenges in my personal and professional endeavors. 

I kindly request your assistance in investigating and rectifying this matter as a matter of urgency. I am more than willing to provide any documentation or additional information you may need to expedite the process. The correction of this error is paramount to ensuring the accuracy and fairness of my credit report, which is integral to many aspects of my life. 

I look forward to a prompt resolution of this matter and thank you in advance for your attention to this serious issue. 

Please feel free to contact me at XXXX should you need further information. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$28000.00}, XXXX XXXX XXXX Balance : {$4400.00}
Consumer complaint received 2023-06-27
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. (SC)

XXXX XXXX XXXX XXXX XX/XX/23 {$2500.00} XXXX XXXX XX/XX/23 {$2200.00} XXXX XX/XX/23 {$3800.00} THE COMPANY SAID IT DID INVESTIGATION AND THEY WAS VERIFIED In accordance with the Fair Credit Reporting act Convergent Account above 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 2023-06-09
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-09-18
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. (MS)

In Accordance with the fair credit reporting act XXXX Account number 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 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I signed up for automatic debit for my repayment through my checking account. My payment was due XX/XX/23 and when I checked my account on XX/XX/23 it said my payment was late. Fearing hurting my credit, I did an immediate payment. On XX/XX/23 they debited both payments from my account. 

I called to refund one of the payments and after waiting over 2 and a half hours I was told the best solution was to report an unauthorized charge with my bank. They said it would take over 45 days for a refund and was not guaranteed to go through. They blamed the double payment on banks being closed Monday but it was a direct withdrawal from a banking account and both withdrawals happened within seconds of each other despite being 3 days apart.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I had submitted claim on XX/XX/XXXX claim # XXXX I opened an account of this subject account in XXXX. I have a opened account agreement with stated like this ... .If you do not notify us within sixty ( 60 ) days after the account statement was mailed. Which I did before 60days notified and within 2 days of discovery of fraud on XX/XX/XXXX. WF bank insists I was over XXXX from the posted from my account per XXXX at WF bank claim dept on XX/XX/XXXX. No one helps me any more at WF bank. 

Also I claimed to WF bank I was very very sick since New Year Eve area. I was planning to visit my mother 's funeral ceremony in XXXX. ( Last time I visited XXXX was XXXX ) 25 yrs ago. I couldn't go there because of sickness. I stayed in bed most of XX/XX/XXXX. 
WF bank said I could call customer support or visit branch. When I am sick and I believed my account is nothing wrong with reduced {$30000.00} from checking by the teller I had no way of knowing of fraud at all without any image of checks. My other banks always send me monthly statement with copy of checks not wells fargo bank. 
They said new account agreement is 30days, how do I know? I had never received any change notice or was informed in any way. If I knew it was changed to 30days I closed account immedaitely. I think WF is very tricky not to let customers know important matter and blame customers. They should include image of checks and make sure to mail monthly statement and note each statement with clear XXXX to state customer 's responsiblity each mo. They also should let new customer in writing to each important matters like this 30days to review clause in each initial by clients as a acccount package. As I am senior over XXXX and I am from XXXX. XXXX is not strong. I think customer like me who doesn't do online should have not been victim as a modern online customers. I spent all of my savings and no money left for living after I paid property tax on XXXX, XXXX. I am worrying and stressful life with not be able to function as before without sleeping. ca XXXX XXXX anymore. Hope to hear your good news. thank you, XXXX XXXX
Consumer complaint received 2023-09-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (CA)

Commonwealth financial systems put on my credit report XX/XX/XXXXXXXX  my account was delinquent for payment in the amount of {$3000.00} and it was sent to collections in XX/XX/XXXXXXXX  from XXXX XXXX XXXX who is original debt collector. XXXX has been coming for me since XXXX  on these same medical claims that were supposed to be paid by the veterans affairs I have called the veterans affairs several times thinking the issue was through only for it to continue popping up on credit report. It is frustrating because they are supposed to file claims within three month window to receive payment they continue to go after me illegally sending threatening notices in past years about the collection when they are supposed to go through veterans affair.
Consumer complaint received 2023-09-17
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. (MN)

After recently being denied a loan, I decided to download my credit report and noticed some inaccuracies. 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. 

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 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. 
These inaccuracies are stopping from the ability to obtain new lines of credit.
Consumer complaint received 2023-09-17
Product: Credit 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: Self Financial Inc. (GA)

Always closed even during their business hrs theyre chat wont even pop up which is the main way they try to force you to contact them I called about these transactions even got a new card and they told me they would reach out to me for more info but instead they just reversed the credit they gave me and now of course theyre closed and Ik from experience you got ta go higher then typical customer service to get anything done for reals and I want this to be fixed already
Consumer complaint received 2023-09-17
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. (CA)

Multiple disputes have been sent regarding fraudulent accounts on my credit. All disputes were not handles and fraudulent accounts were not removed from my credit. Disputes on cfpb were submitted on XX/XX/2022. These fraudulent accounts have ruined my credit for years and I have sent out many disputes. Its very sad to know that people can ruin your credit and life, I wish this would not happen to people at all. It really hurts. 

XXXX 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 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 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 Equifax- 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 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 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 Experian- 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 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 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 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (OR)

I have been using US Bank ReliaCard Bill Pay for years. I have myself setup as a payee with my home address. In the past they have always issued a paper check that has been sent to my house. On XX/XX/XXXX, I logged into US Banks bill pay as normal and requested {$2000.00}. They deducted the money from my account but I never received the check. I called multiple times to see what happened to my money and tickets where opened. On XX/XX/XXXX, I requested another bill payment for {$2000.00} and the funds were automatically. On this same day, I called US Bank again to find out the status of my XX/XX/XXXX dispute. During this call the rep told me the funds were wired to an account so I would probably have the same issue with the XX/XX/XXXX request. Within 3-10 minutes of me submitting the request she sent a cancelation request. When I called again today they said they didn't process the cancellation in time and they deducted another {$2000.00} and wired it to somewhere I did not request. On one of my calls today, we discovered this may have happened to another bill pay request of {$2000.00} on XX/XX/XXXX. In summary, {$4000.00} for sure and possibly {$6000.00} were withdrawn from my account and not sent to me. They were wired to some account that is not mine. In summary, I had myself set up in as a payee in bill pay to receive a paper check when I needed to get money and instead of following the delivery method, they auto wired it to some account that I didn't set up. Thus far, I have been unable to get my money back into my account and I have no idea where the bank/bill pay partner deposited it. They need to get my money back from wherever they sent it and deposit it back in my account. There should have been no wire transfers. This has been an extreme hardship.
Consumer complaint received 2023-04-07
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report :
Consumer complaint received 2023-04-07
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)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 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 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. For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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.

has violated my rights. Or a list of inquiries : 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 2016-02-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

Over the past year I have attempted to request assistance from Wells Fargo for a mortgage loan modification. These attempts were requested by my wife and I with no success. Due to the lack of assistance from Wells Fargo our marriage has suffered and my wife and I legally separated in 2015 late in the year. I provided a copy of the legal separation and Quit claim deed documents to Wells Fargo and I have not had any response from them to reconsider the loan modification using my income only. The present interest rate stands at 6.25 % which is approx. 2.00 % higher than the national average.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

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.
Consumer complaint received 2023-04-07
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. (TX)

Thank you for taking the time to address the misleading information on my credit file. While I appreciate your efforts, I am not entirely satisfied that the guidelines of the Fair Credit Reporting Act have been fully met during your examination. I believe that further action is necessary to ensure the highest level of accuracy on my credit file. Therefore, I kindly request that you conduct another investigation into the account listed below : XXXX XXXX XXXX Balance Owed : {$0.00} - I am reaching out to request confirmation of the payment history and status of this account. Based on my own payment records, I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. Thank you for your attention to this matter.
Consumer complaint received 2023-04-07
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again.

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