davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

As of XX/XX/XXXX XXXX, and Equifax is reporting incorrect information on my credit file from XXXX XXXX XXXX. This account is listed as a charge off with XXXX with last payment on XX/XX/XXXX with no late payment and no information on when account was closed. Equifax reports as charged off last payment on XX/XX/XXXX with XXXX late payments for 90 days and no closed date
Consumer complaint received 2024-05-31
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. (MO)

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 XXXX party. They in fact did not come from a XXXX 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 2024-06-28
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. (TX)

Dispute of Invalid Hard Inquiry on Credit Report Dear CFPB, I am writing to formally dispute an invalid hard inquiry that was placed on my credit report by XXXX Bank XXXX XXXX XXXX XXXX XXXX ). Here is a summary of what happened : I applied for a business credit card using information that was mailed to me by XXXX Bank XXXX XXXX XXXX XXXX XXXX ). Despite following their application process accurately, my application was denied. Subsequently, a hard inquiry was placed on my credit report by XXXX Bank XXXX XXXX XXXX XXXX XXXX ). 

I contacted XXXX Bank financial ( XXXX XXXX XXXX ) to request the removal of this hard inquiry, as the account was never approved and is therefore invalid. Despite my efforts, XXXX Bank XXXX XXXX XXXX XXXX XXXX ) refused to remove the hard inquiry from my credit report. This unjustified hard inquiry is negatively impacting my credit score and hindering my ability to apply for credit with other companies. 

I believe this hard inquiry should be removed, as the account was never valid. I respectfully request your assistance in resolving this issue by having XXXX Bank XXXX XXXX XXXX XXXX XXXX ) remove the hard inquiry from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX
Consumer complaint received 2024-05-31
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)

Recently checked my credit report and noticed some inaccurate and incomplete accounts reporting. Ive DISPUTED via certified mail. Please investigate and VALIDATE THAT ALL DATA for this account reporting accurately including EVERY NOTATION, DATE AND BALANCE WHETHER REPORTED OR NOT!! In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time, It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to PAANL status ( XXXX XXXX, XXXX Agreed, Never Late ) according to consumer protection laws.
Consumer complaint received 2024-05-31
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-08-24
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. (PR)

This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I stayed at the resort once but only paid for the time I was there. I did not purchase anything from them. I have disputed this but had no resolutions. I realized my information were fraudulently used without my permission to process transactions and open an account without my consent. This is their contact info page for additional reference : https : XXXX Also, I already disputed the said account ( XXXX XXXX XXXX XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted from XXXX  as a fraudulent account. However, it is still reporting negative under Experian when I got my updated credit reports today XX/XX/2021. I've attached a copy of my credit report summary showing that it has been deleted. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records and is hurting my financial stability.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am invoking my right to dispute and investigate these accounts, as they are wrongly listed on my credit file. Under the Fair Credit Reporting Act, I should receive {$1000.00} for each incorrect report. I am aware that FCRA 605B requires us to report any inaccuracies in a consumer 's report.
Consumer complaint received 2024-05-31
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)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-06-06
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. (CA)

US DEPT OF EDXXXX XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Consumer complaint received 2024-05-31
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-31
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. (VA)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2016-11-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MS)

I 've been trying to get my loan modified with Wells Fargo since XX/XX/XXXX. I keep getting denials with no explanations or reasons to substantiate the denial decision. I keep resubmitting my information to be considered for the reentry process, to no avail. It seems as if Wells Fargo is trying to force me into foreclosure verses trying to assist me in keeping my home. When they review my payment history, they applaud how I 've been able to make timely payments and extra principal payments as a widow. 
I 'm not able to attach any documents. I 've never received a denial letter. When I called to get an update, they would tell me that my request was denied.
Consumer complaint received 2023-08-08
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-05-31
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. (MS)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to bring attention on these accounts which are erroneously being reported as late payments on my credit report, despite the fact that I have consistently been a responsible and long-standing customer with a history of on-time payments.
Consumer complaint received 2018-07-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

For years, I have been attempting to resolve this dispute with the Mortgage Holder / Servicer ( s ) of my Home Loan - first on my own, then with the assistance of others - including my attorney. 

Despite our best good faith efforts, the Investor ( XXXX XXXX XXXX XXXX XXXX ) and current Servicer ( Mr. Cooper, formerly known as NationStar Mortgage ), continues to act in bad faith. 

Although both entities have been disciplined and sanctioned by governing bodies ( XXXX XXXX XXXX XXXX XXXX by the OCC, and Nationstar/Mr. Cooper by the CFPB ), I have received no remedy - and am now pleading for relief from the CFPB. 

The most recent grievous actions surround Mr. Cooper refusing to deal directly with me - or any of my appointed representatives. Contact, requests for assistance, and negotiations have been referred by Mr. Cooper to their legal Counsel. 

That attorney, XXXX XXXX XXXX ( Partner, XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX, XXXX XXXX  | XXXX, FL XXXX D : XXXX XXXX XXXX | T : XXXX XXXX XXXX XXXX ) has not made headway in communicating my needs to her client, neither does she respond properly to my requests for assistance. 

Documents submitted - per the Servicer, must go first to XXXX XXXX. this has caused me to have to share sensitive and personal information with a third party I have not done business with, and who is free to utilize this information for whatever she chooses ( in my opinion ). 

I have filed a complaint directly with Mr. Cooper, sent requests and information through their 'secured portal ', and attempted to contact all published resources - only to be told offhandedly, that I do no qualify for assistance because of reasons which make no sense. 

I have repeatedly submitted a complete hardship assistance application to this Servicer - the Investor was apparently forced out of business for similar abuses by the OCC ( Office of the Comptroller of Currencies ), and to the opposing counsel in this case - to no avail. 

I am pleading with the CFPB for more intercession than a 'resolved-Servicer replied ' ( paraphrasing ) response. I am praying that the various available options - including settlement monies set aside for persons like myself be utilized to make me whole - and allow the parties to resume their business amicably. Please help me to save my home. Thank you, XXXX XXXX.
Consumer complaint received 2024-07-03
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: Self Financial Inc. (MN)

I disagree with the account listed below which still appears on my credit report, even after your investigation and re-investigated. I would like this item immediatley deleted, the inaccuracies are highly injurous to my credit score [ SELFINC/LEAD-XXXX ]. This account was charged off on the following date:XXXX since then the date of activity has been inconsistently updated the date last active on XXXX is XXXX XX/XX/XXXX and on XXXX it is : XX/XX/XXXX, and XXXX is reporting nothing at all. If the information is coming from the original creditor the dates should be the same. We can not say that this account is 100 % accurate so it is deemed INACCURATE. I have disputed the accuracy for about a year and its verified. In accordance to The Fair Credit Reporting Act, Public law 91-506, Section 611, Subsection A-D please provide the names and business addresses of each individual whom you verifed the information with so that I can follow up.
Consumer complaint received 2021-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (PR)

On XX/XX/XXXX I requested my credit report and noticed I had a fraudulent account of Discover Credit Card in the amount of {$8200.00} opened on XX/XX/XXXX reported by XXXX and XXXX which is a result of Identity Theft. I also had two addresses from the XXXX, NY that were not mine. I have never lived outside of XXXX XXXX. These addresses are being reported at the same date XXXX. I filed a Police Report for Identity Theft in XX/XX/XXXX and also made an Identity Theft Report with the FTC. I have sent dispute letters to Discover stating this account was opened fraudulently and also wrote letters to XXXX and XXXX. XXXX  has deleted this account from my credit report, but XXXX keeps reporting it. Discover sent me a validation letter and a statement with the purchases charged to this fraudulent account, but they are NOT MINE. This has caused me XXXX, XXXX and countless nights without being able to sleep. My last resource is with the CFPB to resolve this matter and make Discover and XXXX delete the account from my credit report. This has stopped me from being a First Time Home Buyer and being able to resolve this situation product of a clear Identity Theft.
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. (AL)

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 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-05-31
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)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-05-31
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)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (OR)

I purchased a XXXX brand dryer from Lowe 's and it was delivered on XX/XX/XXXX. The sensors are damaged and when I tried to dry a load of towels, the sensors left the towels wet after 40 minutes. I then had to dry them again on high for an hour before they were completely dry. I called Lowes and they refused to help me, even thought i had the dryer for less than 30 days, and directed me to the manufacturer. This is a brand new dryer that hasn't worked from the first day they installed it. I have been emailing the manufacturer and they kept promising to send someone out to look at the dryer but no one has showed up. On XX/XX/2023, I disputed the charge on Lowe 's credit card carrier, Synchrony Bank. They agreed that the dryer charge should be disputed based on the fact that the dryer hasn't worked since it was installed by Lowes. Synchrony Bank kept the dispute open and kept saying they had " 60 days '' to resolve this dispute but refused to give me a resolution date. On XX/XX/XXXX, I contacted them through the message portal and said by law they had 90 days from XX/XX/XXXX to close the dispute. Today I received a letter from Synchrony Bank saying they closed the dispute because " the dryer had been delivered ''. I called Synchrony Bank and they reopened the dispute based on the evidence I sent them and I guess we start all over now and it's 90 days from today? Lowe 's refuses to come and pick up the dryer, XXXX won't stand behind their warranty, and now they closed the dispute and made me reopen it to purposed push the date out further. I have a feeling this is a sneaky tactic they do to push it out beyond the warranty date. I have attached the email string with the manufacturer showing the case number and promising to send someone to look at the dryer. I've also attached the message string from Synchrony, and finally I've attached the letter I just received stating they are closing the dispute because the dryer was delivered.