davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I 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 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

There is an account on my credit report that is not mine nor did I authorize anyone to report it to my credit report. It is the XXXX XXXX credit card account. According to the FCRA 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 also states a consumer reporting agency can not furnish an account without my written instructions. I want the XXXX XXXX account removed from my credit report immediately.
Consumer complaint received 2024-05-13
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 


XXXX XXXX XXXX  XXXX XXXX.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (PA)

This is with PayPal SYNCB/PAYP ending in XXXX. PayPal credit Ive had this account for years and this may be the 3rd time using it. I made a purchase with QVC to be billed on my Pay Pal account to be paid within 6 months. I also had some makeup on that same account. 
XXXX XXXX {$790.00} QVC XXXX. XXXX. 
Total PayPal. XXXX ( Should have been XXXX ) XX/XX/XXXX Paid {$260.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX QVC XXXX XXXX XXXX XX/XX/XXXX Paid XXXX conf # XXXX. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$120.00} At this point I called customer service to ask what my balance was, XXXX told me O balance. I questioned her and she told me that was correct. I called a week later another rep told me {$33.00}. I knew that wasnt right so I called again a few days later, that rep told me {$150.00}. I tried speaking to a supervisor to no avail. They would put you on hold for 10-15 minutes then it would drop the call.

I called QVC they told me I was paid in full and owed them nothing. Can you see how this got out of hand? I was more than willing to pay my bill but it seemed so deceptive that no one at PayPal had the same answer it felt smarmy. To this day I have no idea and they're just adding interest to my bill but have no real interest in solving the issue.

The other issue with PayPal is on their credit letter to me they say you have 6 months to pay but when speaking to XXXX they say NO its only 5 months. These credit card companies think the consumer is so XXXX. I had to end it there because no XXXX, XXXX or XXXX answers at PayPal were the same. 
Of course they are now acting like Im delinquent and hurting my credit score. Ive been at XXXX for most of my adulthood, now XXXX down to XXXX.
Consumer complaint received 2023-03-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

Mortgage rate of 10.040 %, Mortgage reduction program which double the interest rate to the present rate of 10.040 %. Which did not change a thing only a low mortgage payment and double the interest rate over a 15 yr. period. The one thing that I was seeking was lower monthly payments and a lower interest rate. It didn't happen.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I checked my new report on Equifax to be sure the XXXX XXXX had been removed as it was said to be deleted on XX/XX/2024 by Equifax. However, When I checked the report today, I see that the account was still on there. I called Equifax to ask about this and they told me it was a technical issue and they would take care of this. Then after a few minutes on the phone, they tell me that they would have to investigate all over again. I told them that is not fair to me and that I had already waited a long time for the deletion and they need to simply remove it as I have proof showing they already completed the investigation. They refused to help.
Consumer complaint received 2024-08-24
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. (OH)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a business loan with XXXX XXXX on XX/XX/year> that is a collection with a balance of {$47000.00}. There are also several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint report number 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 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I was looking to refinance my home, and during the application they reviewed all three credit reporting agencies. They advised me of collection accounts on my credit and after careful review, I can confirm I have never done business with any of these companies. I cant get any info from the company because there is a password placed on each account. I have listed the accounts below and what I do know about them. 

XXXX ) XXXX XXXX XXXX {$3500.00} XXXX ) XXXX XXXX XXXX {$920.00} XXXX ) XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX ) XXXX XXXX {$9000.00} XXXX ) XXXX XXXX {$14000.00} I have never done business with these company this is keeping me for refinancing my home and pulling equity out to fix up my home. I had a tree fall on my house and i need to get a new roof, so thats the reason i applied for a heloc on my home but because of these accounts above, I cant.
Consumer complaint received 2024-09-03
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. (IA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I understand that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts contain inaccurate information. I am owed {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-05-13
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. (DC)

These inquiries are fraudulent and do not belong to me. Please remove them from my credit report immediately. Also including these inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are fradulent and do not below to me. Please remove them from my credit report. Also these inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage Services , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a dispute last XX/XX/year> to TRANSUNION regarding the accounts XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX I never received a response from XXXX regarding this accounts. I do not recognize these accounts and they are not mine. I never agreed or sign any agreement to XXXX XXXX Under penalty of perjury, I swear this account is false and misleading. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.
Consumer complaint received 2024-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (CA)

On XX/XX/year> I made an online payment through E-Bill - PNC Banks Cash Insight for business : XXXX XXXX XXXX XXXX. The money was withdrawn from my XXXX XXXX XXXX checking account successfully on XX/XX/year>. 

The owner of XXXX XXXX XXXX XXXX contacted me to tell me that PNC Bank told her that the money was never received and it was rejected back to her. PNC Bank told her that I needed to call my bank to resolve. 

I contacted XXXXXXXX XXXX, who advised that the money was sent, they provided the following trace # s : XXXX And XXXX XXXXXXXX XXXX  could not dispute the transaction, and stated that PNC Bank would have to fix the problem. I keep getting the run around for this transaction. The money was sent to XXXX XXXX XXXX XXXX, - PNC Bank.
Consumer complaint received 2024-05-13
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. (LA)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I am writing to file a formal complaint against Equifax regarding their failure to respond to my dispute letter and address inaccuracies on my credit report. 

On XXXX XXXX XXXX, I submitted a dispute letter to Equifax via mail specifically requesting an investigation into several inaccurate items on my credit report. These inaccuracies pertain to inaccurate items and incorrect account information. Additionally, I disputed incorrect personal information listed on my credit report, including incorrect addresses and names. 

I did not receive a response back from Equifax with the investigation results. 

Despite my diligent efforts to address these inaccuracies by following the appropriate dispute procedure, I have not received any response from Equifax regarding the investigation results. 

This lack of response and failure to investigate the inaccuracies on my credit report is highly concerning and has caused me significant inconvenience and distress. As a consumer, I rely on accurate credit reporting to maintain my financial well-being, and Equifax 's negligence in addressing my concerns is unacceptable. 

Enclosed with this letter is a copy of the dispute letter I sent to Equifax, which serves as proof of my attempt to rectify the inaccuracies on my credit report. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

Given Equifax 's failure to respond and provide the investigation results, I am now demanding that Equifax immediately and permanently remove the disputed items from my credit report. These inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely affect my financial well-being. 

I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against Equifax for their failure to respond to my dispute letter and address the inaccuracies on my credit report.
Consumer complaint received 2023-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation (TN)

Reported Aspire Credit as Fraudulent, account as of XX/XX/23. Dispute was submitted and resolved with the results : the account has been removed from all three bureaus. Aspire could not verify a correct social security number nor an accuate phone number stating someone called them from a number trying to verify my information. XXXX XXXX XXXX now has bought a Fraudulent debt and trying to seek payment. I have filed a identity theft report with the FTC as well as this complaint with the CFPB.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to express my frustration regarding the inaccurate information on my credit report. Despite sending multiple dispute letters, no action has been taken to rectify the errors. This situation is not only causing me significant distress but also violates my rights under the law. 

I urgently request that you investigate this matter and promptly correct the inaccuracies on my credit report. Your immediate attention to this issue is greatly appreciated.
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. Thank you for your attention to detail in this matter.
Consumer complaint received 2024-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (CO)

Back in the Fall, I submitted an application for the SAVE repayment plan, estimating my payments would be {$0.00}. When XXXX rolled around, I noticed that almost {$1300.00} was withdrawn from my account because they only processed the SAVE plan for XXXX out of my XXXX loans in error and I payed with no repayment plan whatsoever on the remaining XXXX. I called and they told me it was an error on their end and they would request a refund. I submitted a complaint with the better business bureau and their response was that they had that time frame to refund me. I called back today which is day 90 and was told that my refund request was canceled because it would put my account into delinquency and there was nothing they could do to get me my money back. This is two months worth of my mortgage and I can't imagine just letting this money go forever.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

According to FCRA 605B, it's necessary to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several listed accounts contain inaccurate information. I should be compensated {$1000.00} for each wrongly reported item on my credit file.
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (ND)

Every month since XX/XX/year> they have marked my account as charge off. 
It seems this is a tactical to make sure this account never falls off of my credit report. 
On top of that, I have no idea what this account is.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 16 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a secured loan account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( private ), an collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of ( private ) and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # private case number ) 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.