davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OR)

I received a debt collection from I.C. System, inc saying that I am {$130.00} in debt from XXXXXXXX XXXX XXXX Last I was in there was no balance due and I have checked my emails to see if there was any communication of this debt prior to sending it to collections and there was none. So I went to my account payment history and all categories for the past 7 months ( the time Ive been of their services ) have been paid on time. Same with my bank account history. I reached out to XXXX to resolve this issue as Im assuming that it is most likely a mix up and somebody elses balance but have received no response. I have also tried to dispute it with the debt collector and received no response.
Consumer complaint received 2024-04-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Better Mortgage, Inc. (TX)

I'm currently selling my home and the mortgage company they buyers selected is Better Mortgage. The issue first started when they didn't send a licensed appraiser to my home they sent a realtor who was a data gatherer. This person incorrectly measured my home by almost XXXX when this was brough to their attention by my realtor by sending them the build information and the home apprasial when I purchased the home they argued that the data gatherer was correct with his laser measurments. The buyer then asked them to send a licensed appraiser out and they told the buyer why are they fighting the issue they are getting the house for them much cheaper. They finally sent an appraiser out who then came back 100sqft off and they then said they would update the square feet but not the price it would have to be purchased at the same price. They buyer told them it was not correct the price was per sqft and they said they would lower the first price to make the sqft match. This company need to be looked into they seem to do thing to devalue homes in favor of the their customers. Below is the people we dealt with. 

Lender : Ally Power By Better Loan Officer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to formally address the ongoing and unresolved issue of fraudulent items on my credit report. Despite numerous attempts and providing extensive documentation to have these inaccuracies corrected, these fraudulent items continue to appear on my credit report, severely impacting my financial standing and credibility. I demand immediate action to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to persist on my credit report despite multiple requests for their removal. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the ongoing presence of these fraudulent items on my credit report. They have negatively affected my ability to obtain credit, secure loans, and pursue other financial opportunities crucial for my financial stability. 
The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29
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. (CA)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Consumer Name XXXX XXXXXXXX XXXX XXXX XXXX Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is a result of Identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XXXX XXXX XXXX under the account number # XXXX, a personal credit card account open at XXXX XXXX XXXX XXXX the account number # XXXX, a personal credit card account open at XXXX XXXX XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collection, and hard inquiries appearing on my consumer credit report maintained by you were nor opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity therapy and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

on XX/XX/XXXX, I deposited a check from XXXX XXXX XXXX XXXX for {$3000.00} to my personal USAA checking account. After I had submitted the deposit, I was told that my funds would not be available until XX/XX/XXXX in violation of Regulation CC which requires that a deposit is held for no more than 3 days. Additionally in further violation, USAA did not make the first {$200.00} available on the next day of deposit or the second {$600.00} on the second business day. 

Conversations with customer service rep were unable to request an early release and the only relief offered was for me to call back in 3 days and request an early release, where I MIGHT have access to my deposited funds. I have had this account for over XXXX  years so the new account hold does not apply to my account, however that is the hold they are applying. My account also does not fall into exception holds were the account has been withdrawn for XXXX business days out of the XXXX months or withdrawn over $ XXXX for XXXX business days. 

I deposited this money to pay my mortgage and because of the unlawful application of these hold, I will be late on my mortgage payment and incur late fees.
Consumer complaint received 2023-09-20
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: EQUIFAX, INC. (AR)

I hope this letter finds you well. I am writing to express my continued concern and dissatisfaction regarding the late opening of accounts with 3 Credit Bureaus. This marks my second attempt to address and rectify this issue, and it is crucial to resolve this matter promptly and efficiently. 

I initially contacted your company on to bring to your attention the delayed opening of my accounts. Despite my efforts and your assurances that the matter would be promptly addressed, the issue remains unresolved. I am disappointed that a second attempt to correct this issue is necessary. 

I kindly request that you take immediate and effective action to investigate and rectify this issue. I expect a prompt response, outlining the specific steps your company will take to address the problem, as well as a clear timeline for the resolution process. Additionally, I suggest reviewing your account opening procedures and streamlining them to prevent similar delays in the future.

Failure to address this issue satisfactorily may compel me to escalate the matter further by seeking legal remedies and notifying relevant regulatory authorities. pLease assist me to correct the following accounts : XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$51000.00}.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

15 USC 1692 ( c ) the law states : If a consumer notifies a debt collector that the consumer refuses to pay a debt that debt collector must cease all communication.

15 USC 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please remove the following from my credit report. immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

After examining my consumer report, I discovered that unauthorized inquiries still persist. Despite my efforts in communicating with XXXX and requesting a reinvestigation, the problem remains unresolved to this day. 

1 ) Unauthorized Inquiry Creditor : XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Please remove this inquiry from my credit report. 
XXXX ) Unauthorized Inquiry Creditor : XXXX  Date of XXXX : XX/XX/XXXX Please remove this inquiry from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

I went to a drive through at my local Wells Fargo on XX/XX/. There wasn't a big line. I was there to deposit a check. I was greeted quickly and put the signed check and deposit slip into the tube. It was on its way quickly. The banker said she'd be with me shortly. A couple cars went through and were helped while I watched. After 5 minutes I asked if this would take much longer? She said not much longer. After 10 minutes I asked if there was a problem. She said the check was a higher amount and that it takes longer. I said I'm just depositing the check and not asking for any cash back. I said what is the problem. ( This will be my first of two complaints ). She said that the account that the check is from was not registering or something and then proceeded to inform me that the persons account has not had any transactions in a year or so. I said are you going to deposit my check and she said she wouldn't. I then asked her for my check back so I can go my other, non wells fargo, bank to deposit it. Which I did without any questions, delays, issues, or problems in two minutes. 
That information she shared with me is none of my business and should not be shared with me. Someone else 's account information is private and not public information. After she said that she wouldn't deposit my check I mentioned she should full out a suspicious activity report and thanked her for wasting 15 minutes of my time.

The complaints are : 1 - Wells Fargo treated me like a suspicious criminal trying to cash a forged check. Not a simple deposit. 
2 - The Wells Fargo banker shared non public information with me about their banking account.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (NV)

I am writing to file a formal complaint against Discover regarding their mishandling of my identity theft claim. 
Despite providing evidence of fraudulent charges on my account and filing multiple disputes with Discover 's fraud investigation department, my claim was unjustly denied. This denial has had severe repercussions on my credit standing and financial well-being. 
The crux of the issue lies in Discover 's disregard for the fact that my phone, through which the fraudulent charges were made, was stolen. To rectify the situation, I took immediate action by changing my phone number, email address, and other contact information associated with my Discover card. 
However, Discover failed to acknowledge these changes and instead attempted to contact me through the old, stolen phone number, thus impeding their ability to reach me regarding this matter. 
Furthermore, Discover 's claim that I paid for the charges is baseless and unfair. It is common knowledge that failing to pay credit card balances would result in the closure of my account. This does not justify denying my claim, as it is evident that the charges in question were fraudulent and unrelated to my legitimate financial activities. 

In efforts to substantiate my claim, I provided Discover with a police report confirming the theft of my phone & other property, as well as evidence that clearly demonstrates the fraudulent nature of the charges. Despite these measures, Discover failed to conduct a thorough investigation into my case until XXXX, even though it was initially promised for XXXX, XXXX & XXXX. In the meantime, I have been burdened with recharging for the fraudulent charges that I had already paid while awaiting the completion of the original investigation. This ongoing situation is significantly impacting my credit and causing further financial distress. 
Thank you for your attention to this matter. I look forward to a swift resolution and fair outcome.
Consumer complaint received 2024-06-07
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. (NY)

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. Please have the account corrected and updated. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I hope this letter finds you well. I am writing to express my deep concern and frustration. This marks my second attempt to rectify this issue, and it is essential to address this matter promptly and effectively. 

I initially reported the fraudulent items and followed the prescribed procedures outlined by your company for reporting and removing such items. Unfortunately, despite my initial efforts and your assurances of prompt resolution, the issue persists. 

I want to stress that the persistence of these fraudulent items is causing me significant distress and financial hardship. It has also eroded my trust in Credit Bureaus, which I had previously regarded highly. As a loyal customer, I expected a higher level of service and security, which has been lacking in this situation. 

I kindly request that you take immediate and comprehensive action to investigate and rectify this matter. I expect a prompt response, detailing the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I urge you to strengthen your security measures to prevent such incidents from happening in the future. 
If my concerns are not addressed satisfactorily and promptly, I may have no choice but to escalate this matter further, which may involve seeking legal remedies and notifying relevant authorities about the fraudulent activities associated. Please assist me to removed the following fraudulent items in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX Balance : - XXXX  XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ARXXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-27
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. (LA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.