davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
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: EQUIFAX, 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. 

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 XXXX 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 2023-03-21
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. (IN)

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 Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2024-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to formally dispute fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ) 605B, due to identity theft. The accounts listed below do not belong to me and were fraudulently opened using my personal information.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo Bank refuses to return my money that was taken due to fraud. Wells Fargo informed me that my online banking had been changed to different contact info under a different email and phone number other than mine as well as purchases were made in states such as California and Illinois ( Im in Oregon ) from XX/XX/23 through XX/XX/23. XXXXne employee even confessed that a man had called impersonating myself ( Im XXXX XXXX ). I asked for them multiple times to look at the ATM cameras to verify that it wasnt me and they claim they did but still stand firm that they cant confirm it was fraud even though the person withdrawing money with my card is NOT me. Every time I call, Wells Fargo is very inconsistent on the information that they are telling me regarding my claim. My car is facing repossession due to me losing all this money. Im a single mom and in a huge financial loss. I have offered to help them in anyway that I can. Please help me!
Consumer complaint received 2024-07-24
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. (MI)

So after reaching out to Bankruptcy court and also XXXX, and they verified that they didn't provide the credit bureau with information on this Bankruptcy that is reporting on my credit report. I ask them to removed this information based off of 15 U.S.C. 1681 and expressing this to the credit bureaus they refuse to remove it off of my report and it is hurting my credit file and lenders are turning me away left and right.
Consumer complaint received 2024-09-24
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)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-07-24
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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 Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX and 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 2023-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: REGIONS FINANCIAL CORPORATION ()

Re : Excess Proceeds of Sale for Property at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX This petition is in respect of the above subject against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXXRegions Mortgage The above mentioned law firm and Regions Mortgage refused to release the excess procced of my subject property which was foreclosed in the sum of USD {$5200.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The subject property was purchased vide Security Deed dated XXXX XX/XX/XXXX recorded in Deed book XXXX, page XXXX XXXX XXXX, Georgia but foreclosed by Regions Mortgage on XXXX XX/XX/XXXX. 

Request 1. Recovery of USD {$5200.00} due to me from the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Payment of interest at 5 % per annum on ( XXXX ) above from XXXX XXXX XXXX date 3. Penalizing the firm of XXXX XXXX XXXXRegions Mortgage for default We thank you for your prompt action on this petition Yours faithfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2024-08-30
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: MOHELA (TX)

Mohela is inaccurately reporting my student loans to all credit reporters and miscalculating my balance on their website/records. I was checking my experian credit report when I found instead of 8 student loans in total ( unpaid and paid/closed ) ( I have only ever taken out 8 student loans in total ), there were 16 in total ( 8 open and 8 closed ). The balances have also doubled. 8 of the student loans are appearing from " department of educationXXXX '' and 8 additional ones are being reported from " Mohela '' - it appears this duplicate issue occurred during the transfer process causing in these " duplicate '' student loans with wildly inaccurate balances and payment histories and has not been fixed since XXXX XXXX XXXX My current balances should also only be XXXX XXXX  instead is being reported I owe XXXX XXXX in student loans. XXXX loans have been paid in full. Additionally, Mohela is currently placing my current payments towards XXXX already paid off student loans- meaning my payments are not being added to the principal amount and I'm accruing interest on the other active loans. I have reached out to both Mohela and XXXXother credit reporters with no resolution. I have opened multiple incident tickets with Mohela, been escalated on the phone, uploaded supporting documentation with no resolution. It was been 3 months of these consistent issues. I have also filed disputes with the credit reporters and no resolution has been made. Please review attached documentation for supporting materials.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2022-05-04
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

CAPITAL ONE AUTO FINANCE To Whom this my concern I the consumer has notice that you have a hard inquiry on my consumer report dated XXXX XXXX, XX/XX/2020 AND XX/XX/2020. PURSUANT TO 15USC1602 ( l ) - THE TERM CREDIT CARD MEANS ANY CARD, PLATE, COUPON BOOK OR OTHER CREDIT DEVICE EXISTING FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR, OR SERVICES ON CREDIT. Which means my ssn is indeed credit card. PURSUANT TO 15USC1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

Your company ran my credit card ( ssn ) without without my authority I was Obviously denied. But a inquiry on my consumer report means someone benefited from this unauthorized use of my credit card and I didnt receive any benefit from this transaction. 

Pursuant to 28USC3002 ( 15 ) ( A ) ( B ) ( C ) - ( 15 ) United States means a Federal corporation ; an agency, department, commission, board, or other entity of the United States ; or an instrumentality of the United States. 

WHICH MEANS EVERYTHING IS COMMERCE. SO, YOU HAVE COMMITTED FRAUD AND IDENTITY THEFT. 

I DEMAND YOU REMOVE THESE INQUIRIES FROM MY CONSUMER REPORT. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I PULLED A COPY OF MY CREDIT REPORT AND NOTICED THE XXXX BANK ACCOUNT IS REPORTING INACCURATE INFORMATION TO MY CONSUMER PROFILE. I'VE CONTACTED THE CREDITOR NUMEROUS TIMES AND THE CREDIT REPORTING AGENCIES FOR CONSTANTLY REPORTING THIS INACCURATE INFORMATION. 

THE LAST CORRESPONDENCE WITH THE CREDIT REPORTING AGENCIES RESULTING IN THIS INFORMATION BEING UNVERIFIABLE. 

THIS ACCOUNT WAS CLOSED AND CHARGED-OFF, THIS BALANCE HAS BEEN CLAIMED ON THE CREDITORS ' TAXES. THIS ACCOUNT CAN NOT BE REPORTED AS IT IS NOW TAXABLE INCOME WITH A 1099 ISSUED.

THESE COMPANIES HAVE THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY FAILURE TO DO SO IS IN VIOLATION OF 15 USC 1681 EB.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLIANT CREDIT UNION ()

My Wife died on XXXX XX/XX/year>. As Joint Executor to her Will, I sent all My Wife 's and my details to the Alliant Credit Union to identify myself and to establish the authority over the account. They refused to let me have any information about her account. 

Before her death, she signed a paper altering the beneficiaries to her will, which was sent to the Alliant Credit Union by tracked post from the XXXX. They have not recognised the receipt of this. 

They have subsequently disembursed her assets with the Alliant Bank without my ( as executor ) permission to people who were no longer her recognised beneficiaries. 

I have tried to talk to the Alliant Bank - They no longer accept calls from the XXXX, when I visited the US, they will not give any information. 

I can submit full evidence of my statement above.
Consumer complaint received 2022-05-04
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. (IL)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 2024-08-30
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. (TX)

The inaccurate and inconsistent reporting of an account related to XXXX XXXX XXXX XXXX, Account # XXXX across different credit bureaus. After thoroughly reviewing my credit reports, I have identified several discrepancies that require immediate correction. These discrepancies include : Inconsistent Balances and Account Information : The reported balances and account details vary significantly across the different credit bureaus. 
Original Creditor 's Name : The name of the original creditor differs on each credit bureau report.

Collection Agency Information : The collection agencys name, address, and phone number are inconsistent across the reports.

Reporting History : The payment history associated with this account varies between the credit bureaus.

Last Date of Activity : The last date of activity reported for this account differs on each credit bureau report, with varying remarks across the reports. 
These inconsistencies indicate improper updates that are both misleading and harmful to my credit report. Despite this misleading information, this account was allegedly updated to be accurate according to Report Number XXXX, dated XX/XX/XXXX. 

In this previous dispute, I state that the account in question, XXXX XXXX XXXX XXXX, Account # XXXX, was charged off in XX/XX/XXXX. However, Experian has repeatedly updated the account as " charged off '' every month since then. This continuous update is misleading and inaccurately reflects the account 's payment history. A charged-off account should not have an active payment history after it has been charged off. By improperly updating the payment history, Experian is manipulating the statute of limitations, which is misleading and harmful to my credit report. 

Additionally, I believe that Experian 's failure to properly investigate this account has resulted in the continued reporting of incorrect information. This neglect violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. 

Given these ongoing issues and the failure to correct them, I am formally requesting that the XXXX XXXX XXXX XXXX, Account # XXXX be deleted from my credit report immediately. To summarize, this neglect violates my rights under the FCRA, and I expect prompt corrective action. 

I have included a copy of my credit reports, highlighting the inconsistent reporting across multiple credit bureaus, as well as a copy of the dispute results from Report Number XXXX.
Consumer complaint received 2023-11-08
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)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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. 
( 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.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :