davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-30
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. (DE)

I received a notification stating that there was an unauthorized inquiry from XXXX XXXX XXXX on XXXX. This unauthorized inquiry has affected my credit scoreprofile and is hindering me from using my credit. According to 18 USC 1028A this unauthorized inquiry needs to be removed from my consumer report immediately from all three credit agencies XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-01
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. (TX)

I have addresses reported on my credit report that belong to another person with similar name and address as me : XXXX XXXX XXXX XXXX, GA XXXX Account number XXXX Please remove this address as information attached and associated to another person with similar name and address as me is being reported on my credit report This address is the only address i need reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Account number XXXX the late payments reported as 30 days late on dates XXXX are from the result of fraud and unauthorized by me. This was already discussed and since XXXX is FDIC insured i am not responsible for the late payments. THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE MAY BE PROVIDED IF LEGAL ACTION REQUIRES IT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. The FCBA requires creditors to send written notice to consumers at least 30 days before reporting a late payment to a credit bureau. ( THEY NEVER DID ) This creditor has provided no proof to the credit bureaus or myself or the CFPB that they have sent these notices and or even conducted a reasonable investigation. 


XXXX XXXX XXXX Account number XXXX ( unverified ) The creditor is stating i was late on XX/XX/XXXX 30 days, XX/XX/XXXX as 60 days late. XX/XX/XXXX 30 days late, XX/XX/XXXX 30 days late, XX/XX/XXXX 60 days late, XX/XX/XXXX 60 days late, XX/XX/XXXX 30 days late. I was never late on this account he FCBA requires creditors to send written notice to consumers at least 30 days before reporting a late payment to a credit bureau. ( THEY NEVER DID ) This creditor has provided no proof to the credit bureaus or myself or the CFPB that they have sent these notices and or even conducted a reasonable investigation. THE CREDITOR ADMITTED OVER A RECORDED PHONE CALL THEY THIS POINT IS VALID AND THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE MAY BE PROVIDED IF LEGAL ACTION REQUIRES IT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 



XXXX XXXX Account XXXX XXXX ( Unverified ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX unverified ) Account number XXXX
Consumer complaint received 2024-05-01
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. (CT)

I recently checked my credit report and I see some incorrect information on my report, that is affecting my ability to obtain credit at the moment, can you please investigate this account? 
account-XXXX account XXXX XXXX
Consumer complaint received 2024-05-01
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: Experian Information Solutions Inc. (FL)

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. 
Also this as well. thanks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- XXXX XXXX, XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX
Consumer complaint received 2024-05-01
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: Experian Information Solutions Inc. (FL)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/24, XX/XX/24 ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-29
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. (PA)

I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached
Consumer complaint received 2024-05-01
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: Experian Information Solutions Inc. (VA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-06-07
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. (FL)

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. '' XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
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: Experian Information Solutions Inc. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised 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 DELETE this fraudulent information from my credit report.
Consumer complaint received 2023-07-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (DC)

Navy Federal Credit Union ( NFCU ) violated my consumer protection rights on two basis. First, I applied for but withdrew my mortgage application, and without my consent, it was still submitted to underwriting. Second, because I was not given notice and opportunity to address the factors considered in my mortgage application, I have no choice but to believe the decision to deny my application was made based on my race. 

First, on or about XX/XX/2023, I submitted a mortgage application to NFCU. 

On XX/XX/2023, XXXX XXXX, NMLS ID # XXXX, of NFCU contacted me and inquired of information from me regarding my application. XXXX XXXX informed me that i should lower my requested loan amount by {$100000.00}, from {$500000.00} to {$400000.00} due to debt to oncome ration from my student loans. XXXX XXXX informed that otherwise, my application would be denied. I instructed XXXX XXXX to hold my application before sending to underwriting because I would not be able to purchase a home with the suggested loan request in a high cost of living metropolitan area. XXXX XXXX informed me that I would have the opportunity to submit documents indicating my true debt monthly payments to underwriting. After conducting further research, on that same day of XX/XX/2023, I learned that I pre-qualified with another lender with the requested amount of {$500000.00}. 

Subsequently, on XX/XX/2023, I exercised my right to rescind my mortgage application by providing written and oral notification to withdrawing my application. Hence, at this juncture the application should have been reported as a withdrawn application. 

Second, yet, without my consent, XXXX XXXX forwarded this application to underwriting. I was never notified that application was moving forward and I was additionally never given the opportunity to submit evidence regarding my monthly student loan debt payments. 

Nearly a month later, XX/XX/2023 at XXXX XXXX in the morning, I received notice that NFCU took adverse action and not only forwarded the application to underwriting, without my consent, but denied it. The denial allows NFCU to report the application as denied, instead of withdrawn. This adverse action affects my credit and credit oppurtunity to buy a home as an African-American single woman. It further affects the reportable data of denied home applications, specifically as it pertains to the home mortgage application approval gap between XXXX XXXX and other races. This widens the existing disparity. I believe NFCU took the adverse action based on my race, as I was not given notice and opportunity to address the factors considered in my mortgage application.
Consumer complaint received 2024-06-05
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. (WI)

I am writing to formally dispute the accuracy of information reported on my credit file. I have repeatedly submitted disputes regarding specific items, yet I continue to receive stall letters rather than the necessary verification documentation as mandated by law.
Consumer complaint received 2024-05-01
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: Experian Information Solutions Inc. (MD)

The 3 CRAs have been furnishing and reporting numerous accounts with many inaccuracies that I removed in the past! Now when I go back and look their reporting a Bankruptcy ( which by 15 USC 1681i ( 4 ) and 15 USC 1681 ( i ) 5 ) which Bankruptcy courts DO NOT REPORT SUCH PRIVATE INFORMATION to the CRAs and I am distraught by their actions! Also their reporting accounts that are not reporting 100 % accuracy and I will list the accounts below! 
Experian : XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX Bankruptcy XXXX XXXX XXXX XXXX  XXXX Bankruptcy
Consumer complaint received 2024-05-01
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: Experian Information Solutions 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-06
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. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Every month the payment balance for the loans are not updated at each credit bureau, the last reporting dat is list as XXXX, but none of them updated the balances. As of XX/XX/XXXX, the balances remain the same. 

The total balance remaining is {$3500.00}, EACH bureau should have this balance. Each individual loan total should be updated according to the documents attached from XXXX.
Consumer complaint received 2024-05-01
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. (NY)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) i'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I had an issue that had to resolved with 360 banking through Capital 1 last year. It was mediated by the CFPB because they changed my name on my credit report and the banking I have XXXX and their explanation was I feel less than par and very distasteful crude and I felt I was part of my own dehumanizing. Its happening all over again theres missing payments and large amounts of money and I get absolutely no help from them filed formal complaints not once have I ever received a call back even from the first incident. They did have to write up their staff by the name of XXXX for violating my civil rights, and I would like to reopen or associate this mediation with the last complaint, its just cultured and enable behavior. Im in my opinion and I can prove this..

I am also sending in the documentation to show they took the money out and to show with a firm that they received the money and when it posted to their account, Im also providing the information with the return payments when monies are in the account as well. this month alone Ive been charged over {$300.00} just from the leasing company because of whatever is going on at the 360 banking.

I was only able to upload five documents, but all of this also occurred. This is the third month in a row that the payment was apparently returned as well from my rent.
Consumer complaint received 2018-05-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

I have on numerous conversations, e-mails, and written coorspondence tried to work with my Mortgage Company, Wells Fargo, Mortgage, Home Preservation Specialist, XXXX XXXX, Phone Number XXXX XXXX, regarding loan number XXXX to work out payment options and modifications to assist me with a sudden XXXX Retirement which decreased my income by 66 % and due to a violation of the County Court Im still paying full alimony to my ex-spouse which is at the XXXX Supreme Appeal Court finalizing their decision on XX/XX/XXXX. At which time the alimony discrepancy and monthly pay I currently receive after garnishment will be {$7800.00} a month versus the {$3700.00} a month I am reduced to at the present time plus having to pay legal fees. I have been struggling since XX/XX/XXXX to make house payments and pay required legal fees with 401k withdrawals, selling all valuable assets, etc. I recently contacted the Honorable XXXX XXXX office to request assistance and was advised to speak with a firm that assists with foreclosures. I learned that according to the findings of the foreclosure assistance firm, Wells Fargo has violated several Federal and a State ethical violations in how they processed my first loan modification and the lack of  working with me to avoid foreclosure on a VA loan. Im a XXXXXXXX XXXX XXXX Veteran about to lose my home and be forced to live on the streets because the court process and a extremely incompetent attorney I hired failed to represent me in court for my recent hearing. So Ive had to wait almost 15 months for the Appeal Court to finally rule on this Appeal which will be in support of me from the County Court Order by the Judge violated 3 significant Federal Laws applying to 10 USC,  Colorado Statute for lack of appropriate legal representation, and the awarding of attorney fees in a Alimony case which violates Colorado Law. I just received another letter from the Law Firm of XXXX XXXX XXXX XXXX XXXX, Phone Number XXXX, Representing Attorneys ( XXXX XXXX - Reg No XXXX, XXXX XXXX - Reg No 44900 and XXXX XXXX - Reg No 45482 ) expediting the Foreclosure Process by the request of Wells Fargo with no coordination, or contact made advising me of these actions. Ive tried hard to keep paying my mortgage but with the current financial hardship Im experiencing, which will be resolved in the Fall XXXX timeframe, Wells Fargo has been of no assistance and has on several occasions disconnected my phone calls, avoided calling me back, or trying to work with me on my loan. I currently have a contract which should close this week but with the recent court order I am unaware if I can still sell my property, which Wells Fargo advised me in late XXXX I had until XX/XX/XXXX to work a payoff on my own. In addition, I have been charged legal fees, additional interest, and other fees due to their unethical conduct regarding the support and financial assistance will my mortgage in the amount of approximately {$40000.00}.