davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (WA)

This is my third complaint about XXXX. They asked me to dispute items on the XXXX  report to the tune of which I have I have also asked to see if XXXX  understand and be the liaison to the fact that I am disputing the entire report the entire report is incorrect all XXXX pages every bank of the United States on there plus a fraud alert none of that is accurate and XXXX asking that all be removed or for them to explain why its on there and I keep getting the same XXXX redundant statement we are XXXX  XXXX creditor. That has nothing to do with my dispute its just passing the buck like they always do. I have tried to get this cleared for XXXX XXXX  and it doesnt go any further than where we are now because XXXX refused to prove that I have these erroneous accounts and they just go with what their third-party data collector says deliver credit check systems other data collector is wrong give me a break XXXX speeding every item on that report all XXXX pages that should be an indication. Who has a report XXXX pages long and has no bank account he cant get XXXX but doesnt owe
Consumer complaint received 2024-05-08
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: EQUIFAX, INC. (GA)

There is a fraudulent account on my consumer report that I am highly displeased with. As I was trying to get a home for my family I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of an Equifax breach, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health. Now I do not have access to get a house. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 5 16815-2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach.
Consumer complaint received 2024-05-08
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. (FL)

I just reveiwed my credit profile for the first time and noticed unathorized inquiries and accounts that do not belong to me. I dont use credit and I am trying to figure out why there is inquriies and accounts that are not mine, this is causing me a lot of stress please help in removing this. I have served the country and its fustrating to go through this. XXXX XXXX - XXXX - Not mine 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXXXXXX - Not mine 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Not mine15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX XXXX - 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX- Not Mine 15 U.S. Code 1681b - Permissible purposes of consumer reports INQUIRIES NOT MINE- XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I identified information on my credit report that is a result of identity theft and not transactions completed by me. 

XXXX XXXX XXXX XXXX XXXX : XXXX DATE : XX/XX/XXXX AMOUNT : {$210.00} XXXX XXXX XXXX XXXX XXXXT : XXXX DATE : XX/XX/XXXX AMOUNT : {$370.00} XXXX XXXX XXXX ACCT : XXXX DATE : XX/XX/XXXX AMOUNT : {$870.00} XXXX XXXX XXXX XXXX XXXX AMOUNT : {$1800.00} XXXX XXXX XXXX ACCT : XXXX DATE : XX/XX/XXXX AMOUNT : {$240.00}
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to address several concerning issues regarding the handling of my personal information as governed by various sections of the Fair Credit Reporting Act ( FCRA ) and related statutes.

Firstly, according to 15 USC 1681 section 602 ( a ) of the FCRA, it is imperative that consumer reporting agencies such as Equifax and XXXX conduct their operations with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I am entitled to ensure that my private information remains secure, as reinforced by 15 USC 6801, which mandates financial institutions to uphold the privacy and confidentiality of customers ' nonpublic personal information.

Under 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that consumer reporting agencies may only furnish consumer reports under circumstances outlined in written instructions from the consumer. I have not provided consent, neither written nor implied, for Equifax, or any furnisher of information to credit agencies to share my personal information.

Furthermore, according to 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to third parties without informing consumers of their right to opt out of such disclosure. I have not been properly informed of this right by the relevant financial institution.

Additionally, the reporting of adverse items of information, such as the account in question, without my consent violates 15 USC 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including such information in consumer reports.

Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, and Equifax and XXXX are failing to uphold reasonable procedures to prevent violations of the FCRA, as mandated by 15 U.S. Code 1681e.

Finally, under 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately.

In light of these violations and discrepancies, I expect immediate action to rectify the situation and ensure compliance with all relevant laws and regulations.
Consumer complaint received 2023-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (IL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-07-06
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. (AL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

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 2024-01-31
Product: Credit card — General-purpose credit card or charge 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: CHARLES SCHWAB CORPORATION, THE (TX)

We purchased a XXXX  XXXX mattress from XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$4400.00} which was described to us as a mattress that a customer didn't like in their trial period. This mattress was supposed to be no more than XXXX  days old. When the mattress arrived, the tag on the mattress was more than XXXX XXXX XXXX and was not a factory XXXX. It was very obviously a very used and shot mattress. I tried to get the company/ XXXX to pick up the mattress and refund and they would not. I disputed this with Charles Schwab and today received notice without any explanation the bank didn't not resolve in our favor. Clearly Charles Schwab didn't do a good investigation into this. If this isn't fraud, then nothing is! We have no idea how this is possible with this mattress clearly being fraudulently sent as a XXXX XXXXXXXX when really it is over XXXX XXXX XXXX. We have the mattress Tag! They even tried scripting out the date to make the mattress show 2 years newer than it is. 

Please help us.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I looked at my credit report on XXXX XXXX and notice some things are incomplete and not accurate. And according to the fair credit reporting act 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 the report relates. 
These accounts are listed below XXXX XXXX XXXX / XXXX Credit Card Open date is not reporting correctly, date last active, date of last payment is not correct, this account was never late, this account is not accurate. 
XXXX XXXX XXXX. Creditor agree to delete this account after the last payment, this account is not accurate. 
XXXX XXXX XXXX. Creditor agree to delete this account after the las payment, this account is not accurate.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section XXXX ( a ) Equifax and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-11-19
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. (MI)

XX/XX/23 I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX thru experian consumer solutions XXXX XXXX XXXX XXXXXXXX failed to provide notice of dispute to the comment section of my consumer report FCRA sec 623 a 3 Duty to provide notice of dispute.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (IL)

On XX/XX/2023, I paid my account in full with affirm. I noticed on XX/XX/XXXX it was still reflecting that I was past due and I owed them. I contacted the company on the XXXX the person I spoke to told me it took a couple weeks and it would be off of my credit. I had filed to disputes with the credit bureaus regarding this both of the disputes were denied by affirm, I had even attached my statement from the bank where it showed I had paid it in full on XX/XX/XXXX. I thought I would wait and see if it would be off my report as the lady from Affirm told me on XXXX XXXX XX/XX/XXXX I checked my account with the credit bureau and XXXX noticed they had added another {$2.00} onto my account saying I was behind. And I had not paid my account. I contacted Affirm they give me an email address as well as a case number telling me to email them in screenshots of my account where they were paid and where it was reported to the credit bureau. I sent that in. The same day after I spoke to them I had received another flag now they're reporting I'm over 90 days late. After 2 disputes phoning in several times as well as trying to log in and I was denied login on their website and on their app I don't know what else to do I hope this can get it resolved.
Consumer complaint received 2022-10-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX card was never reported to credit bureas of any degoritory remarks on XXXX, XXXX, XX/XX/XXXX but on the attached proofs XXXX XXXX added a hidden charges and past due amount of {$29.00} from XXXX till XXXX which I never missed any payment. 

When I asked the XXXX manager over the phone what the {$29.00}, was meant for he could not respond but said it was bank fee and I pointed it out to him that it would have been on all my statements from XX/XX/XXXX till date then I asked him why Is past due fee narration in XXXX, XXXX and XX/XX/XXXX. Because their past due fee is {$40.00} not {$29.00}. He dropped the call on me and later I found out my statements for XXXX till XX/XX/XXXX the deleted the {$29.00} and my balance never reduced but increased. But I have it downloaded in my file before the deleted not to have a trace to my unknown hidden charges. 
This was the hidden charges they were bringing forward every money and they reported degoritory remarks on my credit file. 

On XXXX XX/XX/XXXX I still went ahead and paid {$120.00} minimum payment the mailed to my address but they XXXX XXXX XXXX had refused to create the Statement of which they do balance brought forward of the hidden charges and put the XXXX degoritory remarks. These evidence would help the credit bureaus in their long awated investigation result being I can not file it online on their websites as they are investigating and blocked my access to uploading supporting evidences. XXXX reported to equifax that my past due was {$72.00} and to XXXX as {$2.00} and my credit report mailed to my address by equifax in XXXX XX/XX/XXXX with confirmation number XXXX .stated my past due was $ XXXXi paid above the minimum they credit bureas have on my credit file. 

XXXX XXXX XXXX report to credit bureas does not show my actual payment amount I paid it month it is always blank .their minimum payment are less on credit reports but high on the copy they mail to me
Consumer complaint received 2023-01-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Javitch, Block & Rathbone LLC (TN)

XXXXXXXX XXXX XXXX is saying they went to court which I knew nothing about a court date. Their saying I owe almost {$4000.00} that one I don't even remember getting a loan from XXXX XXXX XXXX  for {$4000.00}. Their saying that there will be tax consequences this year to look up tax consequences online if I dont know what they are. It's crazy that they went to court against me and I didn't get a summons to court to stand up for myself. Im not sure but I dont think that's legal.
Consumer complaint received 2023-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (UT)

Nelnet 's response was read to me and it doesn't make any sense. You clearly added about $ XXXX to my balance and that showed at the Student aid website as interest. 

My student loans balance was about {$140000.00} when I checked it after I received an email on XX/XX/2023 from the US dept. of Education indicating that my loans for attending XXXX XXXX  would be discharged. 

I logged in a few days after that to find out that my loans had blown up to about {$170000.00} I believe this was interest added to the principal when my status shows it's in COVID 19 forbearance and will not accumulate any interest. 

Please explain where the {$28000.00} is and why it was added to my loans before some of the loans were discharged. This is fraud since there was not supposed to be interest added I called twice last week and asked to speak to a supervisor and nobody called me back either. 

I don't see any statements pertaining to adding the $ XXXX to my balance and there is no transparency. 

You did not send me an email/letter or statement about the status of my account so this is very fishy