davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I filed for a loan mod in XXXX XXXX. XXXX XXXX XXXX I was informed they did n't have enough time to get the documents into underwriting. XXXX XXXX XXXX was the scheduled auction date on my home, so I filed BK chapter XXXX to save my home. If XXXX XXXX I did a chapter XXXX conversion to chapter XXXX. The bank went back to the court to have the stay lifted, on the grounds that I was 15 payments behind. That was not true, but I did n't have the necessary evidence with me to prove that. I have a payment history report from Nationstar Mortgage XXXX TX showing the payments and the date they were received. They charged me an enormous amount in interest when my note says not to exceed 4 %. They proceeded with foreclosure because the courts lifted the stay.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (NY)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated. 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. 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!
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 — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Subject : Dispute of Verified Accounts and Request for Method of Verification under FCRA 611 ( 15 U.S.C. 1681i ) CFPB dispute number XXXX and XXXX and XXXX Dear CFPB, I am writing to formally dispute the accuracy of certain items on my credit report, which were previously verified by the credit reporting agencies. Despite my initial complaint, the credit reporting agencies have failed to provide adequate verification of the disputed items. Therefore, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and requesting a reinvestigation of the disputed items.

According to FCRA 611, the credit reporting agencies are required to verify the source of the information they used to return a " verified '' response to my initial complaint. Since the credit reporting agencies did not contact the Federal Trade Commission ( FTC ) to verify the underlying facts alleged in my identity theft affidavit, they have failed to disclose the source of their initial " verified '' response. 

I request that the credit reporting agencies either : 1. Verify the source of the information used to return a " verified '' response to my initial complaint, or 2. Delete all contested items from the credit report they maintain.

Failure to comply with this request will result in the credit reporting agencies being held accountable for willful noncompliance and negligent noncompliance with the FCRA. This includes compensating me for all credit denials attributable to the contested items in question. 

Please provide me with written confirmation of the actions taken regarding my dispute within 3 days. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-04-20
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. (NY)

Recently, I looked at a copy of my credit report and notice several inaccuracies on my account. This account is hurting my abilities to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.
Consumer complaint received 2024-08-13
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. (NC)

" Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding an issue with a bank account that was paid off and closed with XXXXXXXX XXXX  XXXX. '' This action was taken in XX/XX/2020. I have reached out several times about the matter. I was told by customer service everything will be update
Consumer complaint received 2023-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: WELLS FARGO & COMPANY (NV)

I am XXXX and XXXX 's most caring XXXX. I am also XXXX XXXX XXXX XXXX. XXXX rules require me as a licensee to have a trust account co-owned by the state of Nevada for all my XXXX ' deposits. That account is XXXX. XXXX. The purpose of this account is for the state to be able to return XXXX  ' monies if I die or I lose a state dispute. 
I have four other business accounts at the bank owned solely by me. 
Today all XXXX want to do transactions by XXXX. I, however, only use this account when I return XXXX  funds. Sometimes I go years without sending a dime. 
This XXXX I had three XXXX  move out. 
State law says the XXXX  is liable for TREBLE damages if I don't return their funds in 30 calendar days from move out. 
I sent the first XXXX, in XXXX XXXX, {$6200.00} by XXXX. Paid! 
The second one, in XXXX, I owed {$15000.00}. I sent him {$1000.00} a day until I reach my XXXX limit, owing him money. 
I needed to XXXX the third tenant {$7200.00}. Since XXXX was unavailable and the clock was ticking toward treble damages, I drove to XXXX XXXX XXXX to hand my XXXX of seven years a check. 
They were angry I couldn't XXXX them. They needed these funds to pay for their next security deposit. Instead of having their money instantly, they had to wait until the check cleared. They ALMOST lost their next housing because of this policy. 
The XXXXXXXX XXXX were ski instructors from XXXX. I can not send them a check since they could not easily cash it. I could wire the money but then they would have to pay a fee, which is my responsibility because they don't have to pay to get their money back. And why should I give the bank wiring fees when I could XXXX it for FREE? To me this is a policy to keep me from my money so they can make more. 
I first approached XXXX to raise my monthly limit on this account ONLY. They said only my Wells Fargo banker could do that. I then went to my branch and met the branch manager. She escalated my request to the powers on high. My escalation no XXXX. 
Wells Fargo then refused to raise my XXXX limit on this trust account. They said only XXXX could do it! 
XXXX 's policy puts me at risk of treble damages AND severely inconveniences my XXXX 
I did mention that this is NOT my money. I am just its trustee. All I want to do is comply with Nevada law and return money that is NOT mine. 
I am not asking to up my XXXX monthly limits on any of my personal accounts. 
Both XXXX and Wells Fargo pointed the finger at each other. Neither fixed my problem. 
I am asking you to require them to raise my limit to the amount of money in the trust account in case all my XXXX  suddenly abandon me and I have to return THEIR money.
Consumer complaint received 2024-06-28
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. (TX)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX  XXXX  Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2024-04-20
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: Experian Information Solutions Inc. (TX)

I hope this message finds you well. I am writing to follow up on my previous communications regarding the correction of a late open account. This marks the multiple formal attempt to address this matter. 

As previously discussed, there is an error in the opening date of one of my accounts, which is negatively impacting my credit history. Despite my repeated efforts to rectify this issue, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial standing. 

It is crucial that immediate action is taken to rectify this matter and ensure that my credit report accurately reflects my financial history. I urge you to prioritize this issue and expedite the process of correcting the late open account. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX  XXXX Balance : {$5700.00} ; XXXX XXXX  XXXX Balance : {$5400.00}.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

The major Credit bureaus XXXX, Experian, and XXXX each stated my account was properly investigated but how is that possible if on multiple accounts inaccuracies and misinformation on the status of the open dates, high credit, my full name, date of birth, months within the term, etc. as per the attached file. These are all grounds for removal as they've violated my rights under 15 U.S. code 1681 section 602 A. States I have a right to privacy.

15 U.S. code 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation and while my certified mail tracking # has been displaced, here are my complaint numbers, XXXX and XXXX. 

What originally happened was I checked my credit reports as recent as XXXX of XXXX  and noticed that there was an account by XXXX XXXX with details that were out of place and needed to be changed in order to better reflect on my credit score and consumer report history. I showed not only copies of my report but cited the issues and while my complaint was read it wasn't addressed and removed per the fair resolution I offered. I not only pay to have copies of my credit report from Experian but to have membership benefits that allow me to see what's on my XXXX and XXXX reports as well.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2024-08-25
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Westlake Services, LLC (GA)

I purchased a XXXX XXXX from the American Car Center on XX/XX/year>. I contacted the tag office in XX/XX/year>, only to find out the vehicle didn't pass the emissions test in XX/XX/year>. Also, the radiator was broken. I contacted the warranty department several times in regard to the emissions test and the radiator being broken. The XXXX department stated they would fix the issue with the emissions test, but I was to pay out of pocket for the radiator to be fixed. I did put at least {$1700.00} down and paid {$500.00} a month for maybe 3 months. After they wouldn't fix the car the radiator, it cracked, and the car was undrivable. And then my car was repo. Last year American Car Center filed XXXX  XXXX bankruptcy and sold my account to XXXX. Now I'm getting harassed by XXXX for a car that was repossessed in a dealership that found XXXX  XXXX bankruptcy. I need assistance immediately.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NJ)

I sent letters to settle the matter and I even sent a money or following accord and satisfaction. 

ALLY BANK/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Monday, XX/XX/2021 Account No. XXXX
Consumer complaint received 2024-04-20
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. (GA)

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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 2024-04-20
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. (OH)

I am writing with the intent of having specific information removed from my personal file. The details of the items I am seeking to have deleted are outlined within the accompanying report. Unfortunately, I have been subjected to identity theft and wish to clarify that the charges in question were not incurred by me. In the interest of ensuring the accuracy of my credit report, I kindly request the prompt deletion of these items. 
For further credibility to my claim, I have reported this identity theft incident to the Federal Trade Commission. Enclosed, you will find copies of the affidavit provided by the Commission attesting to the identity theft. I appreciate your swift action in resolving this matter. I have attached my ID and Social Security Card to Verify my Idenity.
Consumer complaint received 2023-05-01
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I had my identity stolen a few months ago. Unfortunately my social security number, bank accounts cell phone and even my virtual wallet and email address was used. I filed a police report that I have continuously updated and provided Citizens bank. I opened citizens bank acct after reporting identity theft on the government website, I picked citizens because they service my current XXXX XXXX.my citizens account was hacked and they have documentation from a call made from XXXX that my citizens acct number was given over the phone to someone who provided them my information. Within XXXX weeks my bank acct was drained. Citizens refuses to give me my funds made despite everything Ive given them. They claimed it matches my account patterns which were not even established before XXXX days and they are only similar to other fraud charges made, none that I made
Consumer complaint received 2024-08-05
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)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-04-20
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. (GA)

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 XXXX Account Number : XXXX Account Name : XXXX 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 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances of getting a mortgage and has caused a lot of financial harm to me. I need these fraudulent inquiry accounts removed ASAP.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.