davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

This is 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 items 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MO)

At the end of 2022, XXXX credit card transferred to Comenity Bank. My account with XXXX was on auto-pay. When they transferred the account, they did not continue to honor this arrangement. I was not notified that my card with XXXX was closing and Comenity Bank would be taking on the account. I received a statement in XXXX that shows my account was late. The ONLY notification that I received showing that there was an issue with my account. Once notified, I contacted the company and paid the card. It is paid in full and closed. I was notified the correction to my credit report would be adjusted due to their error. I have contacted the company many times, along with filing a dispute with the credit reporting agencies. I have requested verification of the debt, along with requested copies of account history information. No response from the company. I have made multiple calls. The only response that I get is that it is being investigated. It has been 7 months since incident and no resolution. My most recent credit report now shows that, not only have they not corrected the information, they are now reporting two accounts with the same negative information. This immensely affects my credit. I have never had two accounts with them. Please advise.
Consumer complaint received 2023-07-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (FL)

I applied for a Loan Modification on XX/XX/XXXX and XX/XX/XXXX and I was denied on XX/XX/XXXX and XX/XX/XXXX. I was struggling to pay my mortgage due to COVID-19 my job was shut down with the XXXX XXXX XXXX XXXX XXXX I second job I was XXXX XXXXXXXX XXXX and my hours were reduced. 

I was dismissed from Bankruptcy Court  XXXX XXXX on XX/XX/XXXX. I had a pipe to burst in my master bathroom and my home had mold and mildew in XX/XX/XXXX. On XX/XX/XXXX Hurricane Sally damaged my home. So, for three and half years I was fighting with my insurance company, and I was getting denied. I had to hire a public adjuster to assist me with my claims prior to my dismissal from my BankruptcyXXXX XXXX ; however, I called US bank to schedule four payments to come out of my bank account every two weeks and it would have taken care of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX called US Bank and the representative canceled all four of my payments. On XX/XX/XXXX, US Bank sent me a return payment in the amount of {$230.00} dollars, and a second check on XX/XX/XXXX, in the amount of {$510.00}. In my restricted escrow account, there is a reminder {$17000.00} and my past due mortgage from XX/XX/XXXX, to XX/XX/XXXX, is {$17000.00} to bring my mortgage account current. I wrote US Bank Loss Draft, and they verbally informed me since I have a sell date of XX/XX/XXXX, I can write a letter and explain how I want the reminding amount of my claim funds to go toward my past due mortgage. I am aware of my payment for XX/XX/XXXX, I can pay my XXXX  mortgage but I did request a reinstatement so I can bring my mortgage current. US Bank Loss Draft Insurance Department stated that my letter was approved but the Supervisor will have to contact US Bank which is my lender so that all the funds can cover my past due mortgage. I will call US Bank Loss Draft Insurance Department on XX/XX/XXXX, to see was my claims moved over because I became a homeowner on XX/XX/XXXX, and it will be 15 years on XX/XX/XXXX. I worked hard to purchase my home and I have all intentions to keep my home.
Consumer complaint received 2024-07-06
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. (GA)

XXXX  to the CFPBXXXX XXXX XXXX : XXXX  - Name : XXXX XXXX - XXXX : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Details : XXXX To Whom It May Concern, I am writing to formally dispute an item on my credit report. Despite my previous attempts to resolve this issue, it remains unresolved. **Disputed Item : ** - Dispute Reference Number : XXXX - Court : XXXX XXXX XXXX XXXXXXXX - Case Number : XXXX **Details of the Dispute : ** I have previously disputed this item with XXXX and Equifax. In response, both agencies verified the item as accurate, stating that they have verified the information with the court. However, upon contacting the court, I was informed that they do not report to either of these credit bureaus. I have enclosed their response for your reference. Your initial responses verifying the item with the court were either errors or misrepresentations. According to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), the reporting requirements have not been met, and the information must be deleted immediately. Additionally, I would like to bring to your attention that my XXXX is not listed in my XXXX or XXXX XXXX report. This discrepancy between credit reports is not in compliance with the FCRA 's requirement for maximum accuracy. This further supports the inaccuracy of the information being reported on my credit report. I request that you take immediate action to remove the incorrect items from my credit report. Sincerely, XXXX XXXX
Consumer complaint received 2024-06-17
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. (AR)

This account does not belong to me and I would like for it to be removed from my Experian, XXXX XXXX XXXX Report. Please validate and verify this account belongs to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX.
Consumer complaint received 2024-08-19
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2023-12-21
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: GOLDMAN SACHS BANK USA (MA)

On XX/XX/XXXX Apple Golman sack bank charged my XXXX debit card account for an obviously fraudulent amount. I reported it to them on XX/XX/XXXX. They could never explain what that was for and recommended to dispute with my debit card bank. I did just that. So my debit card bank XXXX originated the dispute and froze my debit card account. Apple GS bank immidiately reported to all credit bureaus that I missed a payment and ruined my credit history because my score dropped by at least XXXX points. I called Apple Golden sack bank again on XX/XX/XXXX and requested to initiate now THEIR own internal dispute ( which is what they were supposed to do back on XX/XX/XXXX when I called first time ). They finally did - ref # XXXX. Though, today, XX/XX/XXXX I have learned that Apple GS bank made a decision that this balance {$130.00} is valid and that I'm responsible for it. They failed to provide with any statements or any details on what this balance is about or any basis for their decision in response to my dispute and fraud investigation whatsoever!! Please don't let them to get away with this!!!
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

My credit score is been reported really low although. I have : -Low utilization of credit cards -Paid off car loan with XXXX XXXX XXXX XXXX Collection account ( XXXX XXXX ) has submitted the account to be deleted. 
- All accounts are current and paid as agreed. 

Based on all these factors, my score on all three Credit Bureaus should be in high XXXX ( XXXX )
Consumer complaint received 2023-08-20
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. (CA)

Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating XXXX  [ XXXX  ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request. 



It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ XXXX  ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.
Consumer complaint received 2024-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NH)

So I posted two transactions through venmo, it was payment for a rental beach property. 
The first payment was for {$1500.00} on XXXX XXXX to a XXXX XXXX 's and the second payment was sent on XXXX XXXX in the amount of {$300.00}. I was given this information from the contact person, XXXX XXXX, phone number XXXX, email XXXX, this person was the one stating was the owner of the property or manager. When it came to the day of check in XXXX told me to call and he would meet me at said property, but when I called he did not answer. When I got to the property it was already occupied. When I figured out that this was a scam, I filed a police report and filed a report with my bank and canceled the card. I also filed a dispute with venmo stating that this was a fraudulent charge, and then today o got a response from venmo stating that they closed my dispute without asking for supporting documents or questioning me.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX ( mo ) 281 SW 715,719 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist. 15 USC 1692g,15 USC 1666b,15 USC 6801,15 USC 1681A2 , 15 USC 1681S-2 . 
This is not my account. This is being reported in error. FCRA requirements met and pursuing litigation. All data furnished, inconclusive and not accurate. Past the thirty days to acknowledge the violations of FCRA, therefore immediately remove. 
Under FCRA Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to conduct a reasonable investigation into disputed items within 30 days of receiving notice of the dispute. The failure to comply with this provision constitutes direct removal.

15 USC 1681S-2, 15 USC 6802, 15 USC 1681 ( a ) ( c ), 15 USC 1681C-2 , 15 USC 1681A2 ( ai ), 15 USC 1681 Section 602 , 15 USC 1681 Section 604A ( 2 ), 15 USC 1681a, 15 USC 1666B I dispute inaccuracies on my credit report citing FCRA Sections 611 & 607 ( b ). Request prompt investigation and correction. Provide written investigation results and updated report. Prepared to seek compensation for non-compliance. Ensure FCRA adherence.
Consumer complaint received 2024-07-07
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXSubject : Dispute of Unauthorized Credit InquiriesDear Equifax XXXX I am writing to formally dispute several unauthorized and inaccurate inquiries that appear on my credit report. These inquiries were made without my consent and are causing harm to my credit score.Below are the details of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese inquiries were not authorized by me, and I did not initiate any contact with these companies. I have reported these instances to the Federal Trade Commission ( FTC ) and have attached a copy of my FTC Identity Theft Affidavit and police report number XXXX, with FTC Report Number XXXX, for your reference.According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. While I understand that inquiries are generally retained for two years, unauthorized inquiries should not remain on my credit file. These entries are neither factual records of my file access nor did I consent to them.I request that you conduct a thorough investigation into this matter and remove these unauthorized inquiries from my credit report immediately. Please provide me with written confirmation of the removal of these inquiries.Thank you for your prompt attention to this serious matter. If you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address listed above.I have included my two forms of verification My FTC identity theft report XXXX and police report number XXXX Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC (PA)

XXXXXXXX XXXX XXXX I applied for a hardship program with my mortgage company and was denied. XXXX XXXX I appealed there decision. About a week later I got a letter stating I will hear from them within XXXX days but never did. The letter also stated every XXXX days they will keep me updated with what's going on with my mortgage and they haven't. We called in the middle of XXXX to see what was going on and our account XXXX told us they won't approve us for a hardship program and they are going to take our house. We got another account XXXX and on XXXX XXXX it was agreed that if we could make the XXXX payments at XXXX time to get caught up they would accept it. On XXXX XXXX we called our mortgage company and let them know the payments were sent out. XXXX weeks later we called to see why they haven't cashed the checks yet and they told us they didn't receive them or return them. The gentle man than told us if it wasn't a certified funds they couldn't accept the payments because they put us in foreclosures XX/XX/year>. On today we haven't received official paperwork that we are in foreclosure.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (SD)

Wells Fargo lawsuit that I was a part of but I'm not satisfied with what the amount they came up with XXXX it was a debit card fraud I think I'm entitled to way more this happened back in 2015 it caused me emotional damage losses of putting food on table cloths on my kids back to much to mention XXXX but I recently received a check for that amount and at the bottom it said this case is closed I can't get through to talking with anyone I'm frustrated confused i just wished Wells Fargo works that did all this upset wrongfully things to people need to be accountable for like jail time people out here especially on a reservation if we did what they did to us we be in jail i mailed my first remediation paperwork in abd did get a check for it but wasn't satisfied with it bit hopefully something comes down the road from that and this last one was credit card fraud and i responded to it and they told me to wait for another one in mail so i did and XXXX was a check for XXXX and said this case is closed i haven't had a phone due XXXX XXXX didnt pass that so i dont kow where tp go from here its just not fair
Consumer complaint received 2023-01-09
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)

My name is XXXX XXXX XXXX. I'm summiting this complaint because I've been targeted for Identity theft. My Non public personal information has be compromised through data furnishing and sharing of my personal information. This information was shared without my written consent. According to the Gramm Leach Bliley act my personal information should be safeguarded with the financial institution I'm doing business with, and not to be shared with any other third party financial institution. In regard to not receiving full discloser and having my consumer rights completely violated. I would like this matter resolved as soon as possible in accordance with 15 U.S. Code 1681C-2. I demand these accounts be removed from my credit report with in XXXX business daysXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-11
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: Experian Information Solutions Inc. (MI)

There are inaccurate information reflecting on my consumer report such as hard inquiries as soft inquiries names and addresses that I have no recognition of and I want them deleted immediately as this is damaging to my reputation and life.
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Absolute Resolutions Corp. (MO)

I dispute your claim and request validation from you under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Please provide a breakdown of fees including how you calculated what you claim I owe.

Please provide a copy of my signature on a contract or document that holds me responsible for this alleged debt Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA Send me proof that you are licensed to collect debt in my state. 

Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AR)

My name is XXXX XXXX, from XXXX, AR -- Firstly, a couple years ago, I'm went to prison, while I was there I had a few, several kinda, deposits and planned finding to enter my account, I also asked the people I know to give me money, on the chime card, while I was there, well things went fine with the deposits, over XXXX $ was deposited during my 9 month stay from XX/XX/XXXX until XX/XX/XXXX, however when I got a chance to check my account once I was out, only XXXX $ remained. I, obviously, dispute the transactions made ( especially XXXX ones like XXXX XXXX  for content that wasn't even for MY XXXX account! I don't know exactly how much was used, not will XXXX nor chime provide me with the information about who's account had literally used thousands of my money! Money I needed to transition back to normal society! Chime denied the dispute, saying the money was deposited then depleted for the most part over several months and I should have reported sooner. Hello! XXXX  doesn't let me know what's going on with my accounts so ... .I couldn't, anyways I have proof of my XXXX, but chime closed my account, leaving me without info I need to discuss this matter further or even investigate for my self. CHIME BANK FAILED ME BIG TIME! I HAD BEEN A CUSTOMER FOR 9 ; YEARS NOW! EXTREMELY RUDE AND ONLY HELPS ROBBERS.
Consumer complaint received 2020-01-29
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (GA)

Discover financial services recently requested that I file an IRS form 4506-T to determine whether they would keep or close my credit card accounts, I signed the esign form, as a result, they still closed my accounts stating that they were not able to verify personal information on my account. The will not disclose what information they couldn't disclose, and I as a consumer should know what information it is so I can fix the problem.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo keeps reporting to my credit that I have or had an account with them. I have provided them with the police report and the FTC report but they still think the account belongs to me. I have never banked with them, nor has my credit ever been good enough to get an account like that. I have disputed this with the credit agencies and they have done nothing. Wells Fargo does not have a valid ID on file.