davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

While checking my most recent Equifax credit report, my credit report shows some inaccurate accounts. I also understand credit agencies may not report inaccurate information that has not been validated, or information not in compliance with federal law. I reached out to Equifax and notified them of the inaccuracies but has yet to solve the issue. 
XXXX XXXX XXXX  places a derogatory account on my credit report in violation in accordance with the Code of Federal Regulations : XXXX XXXX XXXX is in violation pursuant to 12 C.F.R 1006.30 My credit worthiness should not be compromised by this company 's negligence. 
I have no knowledge of, nor history with this company. 
Please remove the following accounts immediately. 

Online Information Services Account : XXXX XXXX XXXX XXXX is in violation and did not follow proper procedure according to 12 C.F.R 1006.30 and places a derogatory account on my credit report. I have no knowledge of or business with this company. I have contacted XXXX XXXX XXXX about the issue. This account should not be reporting. 

Equifax upon investigation has not furnished any original proof of validation, nor provided me with any copies of documentation associated with these accounts bearing my signature authorizing this account. Please remove it immediately. 

All parties must agree to a debt claim to be enforceable and legal. I never agreed to a contract with this XXXX XXXX XXXX. Also, the Fair Debt Collection Practices Act does not give XXXX XXXX XXXX the authority to force me to consent to contract with them. XXXX XXXX XXXX does not have lawful authority to enforce an alleged debt claim against me to my detriment without my consent. 

According to Equifax in a past CFPB complaint response regarding this company, case # XXXX this account is currently not reporting, but is clearly still reporting and needs to be removed. ( see attached ) Please REMOVE this account immediately as it should not be reporting and has already caused damage to my livelihood.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

XXXX REPORT NOT MADE AVAILABLE TO ME AS A RESULT OF THE EQUIFAX DATA BREACH I attempted to retrieve my XXXX report through XXXX  and received notice that it was unavailable. 

I then attempted to log in to the XXXX app as I have done before and the system stated my last name and social security number did not match.

To be sure I did not type anything in error I repeated and attempted to login three more times without success. The feature that allows for resetting my login credentials also did not allow me to move forward. I am a victim of Identity theft as a result of the EQUIFAX DATA BREACH
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (AR)

According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX account XXXX XXXX also XXXX and XXXX shows a different account # which is # XXXX ) I am Attaching identity and proof of address.
Consumer complaint received 2023-02-16
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. (NJ)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX  account opened XX/XX/2017 and Balance {$0.00}. This is a closed account but company is showing late payments and I have never been late on any payments.
Consumer complaint received 2023-05-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (TX)

I am very upset that this account is showing up on my credit report as it does not belong to me and I am asking you to delete this account. I'm really disappointed they pushed me into this. I want it removed from my credit report as soon as possible. It's not mine!
Consumer complaint received 2023-11-26
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. (CA)

Hello, My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from all of my credit reports. 

XXXX XXXX XXXX
Consumer complaint received 2024-05-01
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. (VA)

According to the XXXX reporting credit act, XXXX XXXX section XXXX states " there is need to insure that credit agencies exercise their grave responsibilites with fairness, impartialitty and a respect for the consumer 's right to proivacy '' Transunion and XXXX are credit reporting agency and financial institution in which I am in the consumer. it is my right to ensure that my private information is shared or distributed, this is backed by XXXX XXXX XXXX which states " it is the policy of the XXXX that each financial institution has affirmative and continuing obligation to respect the privacy of it customers and to protext the security and confidentiality of " customers non public information ''. Transunion and XXXX are credit report agency under this title. Section XXXX of XXXX XXXX section XXXX states that " in general subject to subsequent ( c ) any consumer reporting agency XXXX furnish a soncusmer report under the following circomstances and no other " in accordance with the written insturction of the consumer to which it relates ''. this. Transunion and XXXX consumer reporting agency does not have my consent, and writen consent to furnish this information, Any and all consent XXXX, non verbal, written, and or otherwise implied is now revoked. XXXX XXXX ( b ) ( c ) states " A Financial insituion XXXX not disclose nonpublic personal information to a non affilitated third party unless the XXXX can exercise the non disclosure option ''. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise the non disclosure option ''. Furthermore XXXX XXXX XXXX ( a ) ( XXXX ) states " Except as authorized under subsection ( b ) no consumer reporting agency XXXX make any consumer report contaning any of the following items of information, any Adverse item information, other than the records of convictionof crimes which antedates the report by more than seven years ''. These three accounts is an adverse item thaey are reporting without my pemission which is against the law. XXXX XXXX XXXX ( A ) ( I ) A states " A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has resonable cassuse to believe that infomration is inaccurate. XXXX XXXX code XXXX state " Every consumer reporting agency shall maintain reasonable procedure designed to avoid violations of section XXXX of this title and to limist the furnishing of ocnsumer report to the purpose listed under section XXXX of this title ''. 
Transunion is not conducting reasonable procedures in regards to this accounts stated.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AK)

I had traveled to a few states for vacations. On Sunday XX/XX/XXXX I received multiple charges on my Well Fargo account, {$650.00} was taken out of my account, and Wells Fargo was reporting fraud detection to my emails. The transaction was to someone I did not know and seemed like a fake name. I called the customer number XXXX as this was all happening, they sent me to Freud line, I told them what was happening, and I did not authorize these transactions. Wells Fargo said they will cancel those transactions, turn off my account, and changed password. XX/XX/XXXX I notice the chargers were still pending so I called again. Well Fargo customer service turned off my XXXX, new username, got another new account, and they sent me a new card. I was told the transaction is posted as pending but it will not go through. On Wednesday XX/XX/XXXX, the transaction went through so I called again and they put in a claim. 
XX/XX/XXXX Wells Fargo send an email and letter in the main to me of the claim number saying an error did occur. On XX/XX/XXXX, I called again about the transaction so since they went through, Wells Fargo just helped me change my username and and password again. In XXXX, I received my claim was denied, was still missing the money, and never returned to my account. After a few months, I gather all my evidence that these transactions were fraud, how much I called to cancel, and these transactions were not approved by me. In XX/XX/XXXX I went to my local Wells Fargo bank, talked with a banker about this situation, he said hell put in another claim, and I should get all my money back. I received another letter saying the investigation is over and I was denied again. Looking at the email of the banker is now unavailable. Later that year in XXXX none of my payments were going through when I had money in my account. On XX/XX/XXXX I receive email from Wells Fargo discussing the closure of my account. I got a letter in the mail that showed suspicious activity towards my account and closed my account completely. On the bottom of the email says If you did not send this money, or if you have questions, call Wells Fargo Online Customer Service at XXXX, XXXX hours a day, 7 days a week but yet I called every single day and did not receive the rest of my money.
Consumer complaint received 2022-11-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-12-26
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (NC)

Misrepresentation of XXXX XXXX XXXX XXXX XXXX in XXXX Apartment In XX/XX/2023, I ordered XXXX XXXX XXXX XXXX internet for my XXXX  at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX. The service was to be installed in both XXXX  and the XXXX XXXX 

Before installation, an XXXX XXXX XXXX  representative XXXX XXXX, XXXX ) visited my apartment to assess the situation. He was informed that the fiber line only reached a XXXX, requiring wall installation to reach the desired XXXX. This information was relayed to the installation technician. 

However, upon arrival, the technician refused to run the fiber through walls, stating he could only connect to the existing junction box in the XXXX. He offered a workaround : splicing the fiber onto existing copper wiring for the other XXXX. I declined this, as it would compromise the promised fiber speed and negate the purpose of ordering fiber service. 

The technician contacted his supervisor but later confirmed they wouldn't run fiber as requested. XXXX XXXX XXXX only installed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( although I specifically wanted wired fiber ). Within XXXX hours, I cancelled the service and returned the router. 

Despite never actively using the service for more than the installation technician 's visit, I received a debt collection notice from XXXX. I disputed the claim and requested proof of service and account activity. They never provided any documentation but proceeded to report the alleged debt to credit bureaus, tarnishing my credit score. 

Summary : XXXX & XXXX misrepresented their ability to install fiber throughout my apartment. 
Despite no service usage, I was falsely listed as a debtor and reported to credit bureaus. 
I demand XXXX retract the false information and provide proof of any valid claims.
Consumer complaint received 2023-08-23
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. (NJ)

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 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 2023-08-31
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. (PA)

I currently have unauthorized inquiries appearing on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX Credit card I had the card for my business ( XXXX XXXX ) the card never reported to my personal credit. and showed a perfect payment history on my XXXX credit. 

One Day I used it for a large purchase, ( XXXX ) I made some large payments ( XXXX ) payments, made 3 had a smaller balance left. and then It wouldn't let me make a payment, I call and they said this card had to be paid off every month, but I have another XXXX XXXXXXXX XXXX  card for another business XXXX XXXX XXXX. I have never paid it off in the same month and I have never been reported Late. I paid the Balance in full on the XXXX XXXX for XXXXXXXX XXXX  and closed the account Opened an XXXX XXXX XXXX, Next month they reported my late on my Personal credit for 120 days and one 3 day late a few months before, Yet never reported to my personal credit before. 

I was never made aware, never got a call or email that I was going to be effected like this and now I have Late payments. I have been a customer of XXXX XXXX for over 15 years now. I cant ever close my XXXX XXXX XXXX personal card because now my score is low because of these late payment. 

I have called several times and disputed it on my credit report to no avail
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 

XXXX XXXX XXXX XXXX late payment XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2023-05-02
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. (NY)

I am writing to request an investigation and removal of certain information from my credit report based on the following provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant federal regulations : 15 USC 1681A ( d ) ( 2 ) ( A ) ( i ) : This provision excludes from credit reports any information solely related to transactions or experiences between ( I ) the consumer and the person making the report.

15 USC 1801 : This provision establishes the policy of Congress that financial institutions ( person making the report ) have an affirmative and continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of their nonpublic personal information.

15 USC 6801 : This provision reiterates the policy of Congress that financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of their nonpublic personal information.

15 USC 6802 : This provision prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties unless they provide or have provided a notice that complies with section 6803 of this title.

Based on these provisions, I believe that the following items on my credit report are in violation of the FCRA and should be removed : XXXX XXXX : All information including and/or related to late payments XXXX XXXX  : All information including and/or related to late payments XXXX XXXXXXXX : All information including and/or related to late payments XXXX XXXX  : All information including and/or related to late payments Inquiries : All I kindly request that you conduct a thorough investigation into these items and, if found to be in violation of the FCRA or other applicable regulations, remove them from my credit report. Please provide me with written confirmation of your investigation and any necessary updates or removals to my credit report. 

Thank you for your prompt attention to this matter. I understand that under the FCRA, credit reporting agencies must complete investigations within 30 days of receiving a dispute. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WI)

In XXXX of XXXX  I applied to refinance with XXXX XXXX XXXX XXXX they pulled all three of my credit reports through factual data. 
I did not open an account and would like factual data inquiry removed from all three credit bureaus. 
The inquiry is approx 1 year and 6 months old.
Consumer complaint received 2024-03-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: U.S. BANCORP (AZ)

On XX/XX/XXXX I sent XXXX an application for a hardship modification due to the fact my hardship from being unemployed had ended. The loan was still in forbearance at this time, I had not started the job because orientation was XX/XX/XXXX. So, XXXX wanted the offer letter from the company to see potential earnings and how often the pay is along with a written letter about the status of my hardship. I called XXXX to check the status of the information I sent them via their email XXXX I was told I sent the wrong application and another one will be mailed out to me. There is only one document for mortgage help through this company. I finally received the new application the exact same document that I got off their website only difference it has a tracking number. I filled all entire application out like I did before, let me also state I attached all my bill statements to the first application so that they could calculate my new monthly payment. I received a letter from the bank stating that they needed a month worth of paystubs and a verification of employment from the company I work for on company letterhead ect. There is a verification hotline for the company called : Vault verification with my company code which is : XXXX the company name is XXXX. Once I started work it rook 2 weeks to receive my first paycheck like most companies but I sent the first two check stubs to XXXX with my name and mortgage number on each document for the application. I contacted HR at XXXX to ask if they could give me an employment verification letter and XXXX agreed, I sent the letter and 3 pay check stub to XXXX every time you send an email to XXXX you get a notification from them that they have received the documents. I did everything I was supposed to do to get this hardship modification done yet once again a failure on there part to process my application in a timely manner. Every time I called to check the status of my application I got a different response from each agent. I recorded all conversations with them and it was a big fat run around. The documents state that your application gets stale after 90 days. This the second time I am reporting this company to you because nothing is being done about their bad banking business practices. I have all the evidence to support my case can I file a complaint with HUD because I am thinking Its a discrimination case?