davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my consumer credit report and i noticed payments posted on my credit report : XXXXXXXX XXXX under the account number XXXX. Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did i give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ) the term : consumer report does not include- ( A ) Subject to section 1681s-of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. i demand a refund any alleged late payments that was charged and i demand you to Delete the above late payments from my consumer report this agency is in violation of 15 USC 1681.
Consumer complaint received 2024-08-12
Product: Credit 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: BARCLAYS BANK DELAWARE (NY)

I ordered a XXXX  electric power tool. I was charged XXXX. The shop, XXXXXXXX XXXX XXXXe at XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) was unable to assemble the product. XXXX XXXX, shop owner was irate and nasty. He later asked me to give him my gas powered machine for free so he could resell it used. he blamed the problem on me. I feel that I can not return to the shop. I called XXXX  three times. ( customer service ). They never contacted me as promised. Today I called them on a XXXX way call with my credit card, Barclays U promise. XXXX customer service number is XXXX XXXX XXXX. We spoke to XXXX and he said he would try to resolve the problem but my XXXX chharge gas not been resolved from my XXXX XXXX promise charge. their number is XXXX XXXX XXXX. 

Never received any product and the charge is on my card. Please help me resolve this. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (CA)

15 U.S. code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt its been 30 days and you are in violation of this law because I am a victim of identity theft!!! Please delete these items immediately!!!!!!

These accounts should not be furnished on my consumer report as they are in violation under 15 U.S code 1681b- permissible purposes of consumer reports ( a ) in general to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer no consent is identity theft as a consumer I am demanding the deletion of the accounts listed immediately!!!!!!
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 1803 Capital, LLC (GA)

PURSUANT FCRA 605B ( 15 U.S.C. 1681c-2 ) TO FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) AND THROUGH 15 USC 1681 A-N Definition Exclusions of Contract and Civil Liability for Willful Noncompliance, I would like to see that all negative items on report by 1803 CAPITAL will be blocked due to fraud, identity theft, and items are on the consumer report that legally should not appear. Seeing that an unlawful attempt of a sort of theft and or fraud was attempted on my vehicle without proper advance notice of twenty-one days prior, a vehicle of equal or greater value will need to be returned to XXXX XXXX promptly . Handle within four business days or I will pursue civil litigation.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (CA)

In accordance with the fair credit reporting act, the list of the accounts below, has violated my federal, protect the consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any other following items of information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 responsible cause to believe that the information is inaccurate
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am an individual who has avoided debt up to this point in my life. I am now applying for a mortgage, ( starting about XX/XX/year> ) and all three credit bureas ( or at least whichever one the bank talks to ) insist that my credit score is frozen or suppressed. I would like to lodge this complaint against all three ( XXXX, XXXX, and TransUnion ), as I have attempted to call their customer service lines, only to politely be told to create an online account, or for the answering robots to break and stop registering my attempted responses to questions. 

I created an online account for TransUnion around XX/XX/XXXX, and there was no indication of a freeze or hold on my account. I attempted to make an account with XXXX today, XX/XX/year>, and got an error that their servers could not be reached. See attached error screenshot. I feel as though I am running out of avenues to contact an employee or automated system that will help, and I am trying to close on a house XX/XX/XXXX, so we need the credit reports long before that for the bank.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (ND)

On XX/XX/year> approximately around XXXX I contacted Sofi to notify them of fraudulent activity on my account and there were XXXX transactions that were for {$450.00} & {$10.00} sent to a person I do not know. I was asleep during this activity and changed my password immediately after I realized what was going on. I have disputed these and appealed their decision. I was not on my account before, during or after it all happened and was not aware since I was sleeping during this time of the fraudulent activity on my account. Then today I get a message with their report saying the stolen money out of my account will not be returned so they are allowing people to steal money and get away with it! I have never given my login information to anyone NOR have I ever gave anyone permission to access my account! Sofi bank is part of all of these scammers and thieves since they allow their customers money to be stolen and nothing happens.
Consumer complaint received 2024-08-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: JPMORGAN CHASE & CO. (TX)

I became delinquent on my mortgage in 2009 due to loss of employment. Chase Bank placed me on a modification plan which the delinquent amount was placed on the back of my mortgage in the amount of $ XXXX. Chase received the $ XXXX from HUD to pay off my late payments. Instead of Chase applying the money from HUD to the late payments, Chase kept the $ XXXX leaving me to pay the delinquent amount on top of my mortgage and still owing HUD. This was a total of $ XXXX. I paid double.
Consumer complaint received 2024-07-11
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. (IL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX 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
Consumer complaint received 2024-07-10
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 have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

On XXXX I attempted to log on to my account to make my payment. I received a message that my account was being transferred to a new platform so I was unable to access any information or make a payment. On XXXX I received an email that my account is in forbearance to calculate new payment under the save program or something. However, I checked my bank account and a payment was taken from my account on XXXX even though I have never signed up for auto pay!!! Mohela took payment illegally without authorization!! Im not sure if I should contest this with my bank or what?! I have tried calling mohela repeatedly only to be on hold for more than an hour before I am disconnected and never receive a call back when I request it. I have also reached out to federal student aid.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo continues to defraud and discriminate against customers. On XX/XX/2024 I deposited {$290000.00} into my Wells Fargo savings account. I was told that I would get special promotion of {$2500.00} and also 4.5 % interest rate on my saving account. When I went to check back on XXXX XXXX I was still getting below 1 % on my saving account. The branch manager on XX/XX/XXXX said that he updated the system and made me sign some paperwork. It has been 2 months and my interest rate in saving account is still below 1 %. I filed another formal complaint with Wells Fargo 2 months ago and it is still not remediated. Wells Fargo complaint number XXXX. This is pretty insane : the amount fraud, discrimination, and deceitful behavior by Wells Fargo. Please help me. My phone XXXX XXXX
Consumer complaint received 2023-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I found an inquiry on my report that do not belong to me. I also sent Transunion a letter from XXXX XXXX requesting the cancellation/removal of the inquiry.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

There are inconsistencies and inaccuracies in the reporting of the XXXX account ( number XXXX ) on my credit reports regarding closed date, last payment date, and last updated date. 

XXXX has this account closed on XX/XX/XXXX. 
XXXX has this account closed on no data. 
Experian has this account closed in XX/XX/XXXX. 

XXXX has the last payment as XX/XX/XXXX XXXX has the last payment as XX/XX/XXXX Experian has the last payment as XX/XX/XXXX XXXX claims that this account was last reporting on XX/XX/XXXX XXXX claims that this account was lasted reporting on XX/XX/XXXX Experian claims this account was last reporting on XX/XX/XXXX Proof attached. 

All three of these agencies are allowing XXXX to re-age this closed/ written off / sold account. This is in violation of the FCRA. This account should be removed/ deleted from my credit file.
Consumer complaint received 2024-09-08
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)

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.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-05-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OR)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-11-14
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. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2024-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Trans Union has failed to proper investigate a fraudulent account and refuses to block the fraudulent account. I have reached out to the company reporting and they advise me. They have remove the account based on the investigate. They did also they have provided a letter stating they have notify the credit bureau to remove the account and question
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

I previously submitted complaints to cfpb on XX/XX/year> about this inaccurate account, XXXX XXXX, no account number given, that is incorrectly showing on all three reporting agencies. My claim numbers are as follows : XXXX XXXX Experian XXXX XXXX XXXX XXXX Prior XXXX XXXX above-mentioned complaints, I had contacted all three credit reporting agencies twice regarding this inaccurate XXXX  account, making the XX/XX/year> cfpb complaint my third attempt to correct the inaccurate information. 

Each time I have contacted these three credit reporting agencies, I have provided all proof that XXXX XXXX never validated this debt. 

As of today, XX/XX/year>, the inaccurate account in question, XXXX XXXX, has been updated to closed with a balance on XXXX and XXXX XXXX. This is still incorrect. 

Experian is still showing the XXXX account as a current open collection account. 

The reported information is not consistent with all three agencies, and XXXX XXXX has also never proved that they ever validated this debt. 

I am again, for the fourth time now, providing proof that XXXX XXXX never validated this debt. All proof of what I have said above is attached. 

Because of the reasons mentioned above, all credit reporting agencies must delete the XXXX XXXX account from my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

After checking my credit report again. There are multiple inaccuracies and incorrect information being published without consent and it is preventing me from gaining a suitable home or job. Rules and CFPB and FCRA means nothing it seems to these Credit Agencies not bureau. See attachments. XXXX XXXX stated they do not have to provided me with anything. Ive disputed these items numerous times. Take them Off and come back 2 years later. 
My information should be protected and correct.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have contacted Equifax and notified them to dispute INCORRECT late payment ENTRIES on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I had asked them to investigate the following information and correct the inaccuracies at their earliest convenience as these account has never been late.

Details of Disputed Accounts Entry : 1. XXXX XXXXXXXX XXXX Account Number : XXXX Date reported late : XX/XX/year> 2. XXXX XXXX XXXX Account # XXXX Date reported late : XX/XX/year> I have reviewed my records and confirmed that the payments on both accounts was made on time. I appreciate your PROMPT attention to this matter and look forward to your response within the 30-day period required by law.
Consumer complaint received 2024-07-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: TFS FINANCIAL CORPORATION (VA)

The company refused to recognize income from a full-time position from co-borrower due to there being two sources of payment. I was told the reason for not using the income was because it was considered two separate roles. The refusal to use the income reduced the amounts offered to us for our HELOC below our threshold for the project. The process has taken a long time and puts us in a tough spot. All the while we know we have the required income to increase the amounts offered. 

I have explained that this is in fact a full-time position and questioned the logic of the underwriting team. I have not heard a response or any type of closure to the issue.
Consumer complaint received 2023-09-19
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. (WA)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.