davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-15
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. (NC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
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: EQUIFAX, INC. (CA)

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DPT EDXXXXXXXX # XXXX has violated my rights. 

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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a 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 2024-07-10
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: TD BANK US HOLDING COMPANY (TX)

On Friday XX/XX/XXXX, I went to XXXX XXXX to inquire about a XXXX XXXX XXXXXXXX. My plan was to use my existing car loan offer from my personal bank at XXXX. Upon meeting with XXXX XXXX, I discovered my loan offer at XXXX was not great enough to cover the expense of the car. I agreed to allow them to run my credit 1 time with the bank they use for car loans. XXXX XXXX ran my credit 8 times totaling 8 hard inquires on my credit. This is fraudulent. I never agreed to the hard inquires involving : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The only authorized inquiry should have been from XXXX XXXX XXXX Finally, what is the most criminal about this entire experience is that XXXX XXXX was selling me an insufficient vehicle that required a new transmission. Yet, they knowingly tried to sell me the car thousands of dollars above its value, thus why I got denied for the loan from all these banks, because the car was red-flagged. I sincerely hope to receive help for these hard inquires. Thank you for the consideration.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I would like to dispute off the following items on my credit report. 

Equifax : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX PREVIOUS ADDRESS : 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 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 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 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
Consumer complaint received 2023-06-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

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 2023-12-15
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. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-12-15
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)

This account was part of a XXXX forbearance. When the XXXX forbearance ended they marked me as 120 days late even though our arrangement to get it current was fulfilled and no payments missed. This is fully inaccurate, proof enclosed. The loan underwent a loan modification that included XXXX trial payments to be made in XXXX, XXXX, and XX/XX/2023. The conditions of those payments stated that as long as the payments were made in the month they were due, they would be considered on-time and apply. All three payments were made. At the end of the three payments, their information suppression failed causing a 120 day late saying no payments had been made, even though they had. Please note that for XXXX payment, it was posted on their website in XXXX but the charge did not hit my bank until XX/XX/XXXX. This does not affect the agreement as it was scheduled via their online portal. They removed this late data before recognizing it was a mistake, only to reinsert it without warning. All three trial payments were made but upon completion of the trial payments my account was immediately flagged as 120 days late.
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: EQUIFAX, INC. (FL)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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
Consumer complaint received 2023-12-15
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. (NJ)

XXXX recently ( in XX/XX/2023 ) closed a New York and Company account based on information contained in my credit report on other non XXXX accounts that are in dispute. I never gave XXXX permission to check my credit report and to check other accounts that have nothing to do with XXXX As per the FCRA XXXX must send proof that I gave written consent to report the New York and company account and proof of my written consent to check my credit report in XX/XX/2023. XXXX will also need to send proof to support their claims that the other nonXXXX accounts are " valid '' and " delinquent. '' XXXX must send the contracts for these other accounts. Otherwise I will have to pursue litigation for XXXX for conspiring with the credit reporting agencies and the other institutions to violate my rights under the FCRA.
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

Pursuant to a previous complaint with Wells Fargo ( ref XXXX ) that ended up deep in my spam-box and as a result not replied to, Wells Fargo changed my checking and savings account. I can understand why in the absence of a direct deposit that my accounts were " downgraded ''. What I can't understand is : 1 ) why I'm being charged {$5.00} per month for a savings account I can't use, because 2 ) my Wells Fargo debit card was also canceled and not replaced, and why 3 ) I can't close the savings account in a branch and save myself the {$5.00} each month.

This apparently happened several months ago. I have not received any statements from WF. I just found out this month that the card was canceled. Previous times I've paid my mortgage the card worked, allowing the teller at the branch to identify myself and my accounts.

I have no idea what the cycle is on these new accounts. ( e.g. the XXXX to the XXXX, XXXX to XXXX, other ). Further, it requires me to go into a branch, which is only open about the same time as I work, to pay the {$5.00} because I no longer have ATM access. As I am often spread thin on time between the job, XXXX family members for whom I am the sole caretaker and trying to maintain some kind of life, time gets away from me, I forget and then there's another {$5.00} deficit in that account. 

I didn't agree to this change. I wasn't notified of this change. I've received no statements for these accounts. I have no access to these accounts other than in a branch. 

I fully expect that the response to this complaint will be similar to the previous response - " Because we can '' - but felt it important to post here at CFPB in case others are researching issues with Wells Fargo. 

It doesn't matter how long you bank with a company, or how much money they've made off of you ( in my case, over 27 years ), they are not at all interested in you or your situation or maintaining that relationship.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NC)

The car was total loss in a car accident in XXXX of XXXX. I have tried to settle to no avail. On XX/XX/XXXX, I went to inquire about a vehicle for purchase. I was denied due to credit acceptance placing a repo on my credit report. States that they repo the totalled car 52 months ago. The credit report is showing open delinquent payments. FCRA states I have the right to fair credit reporting.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-12-15
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. (NY)

I did not consent, nor benefit from, or authorize any of the following Accounts : XXXX. XXXX XXXX XXXX - Account # - XXXX report furnished by Experian. 
XXXX. XXXX XXXX XXXX - Account # - XXXX report furnished by XXXX. 
XXXX. XXXX XXXX XXXX - Account # - XXXX report furnished by XXXX XXXX XXXX. 


Pursuant to 15 USC 1681 ( a ) ( 4 ), there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Pursuant to 15 USC 1681 ( b ), you did not meet the needs of commerce because I do not find my consumer report to be fair, accurate and equitable to me.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX Balance Owed : {$30000.00}
Consumer complaint received 2024-11-15
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. (DE)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : ( Original Creditor : XXXX XXXX XXXX ) # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$4600.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX XXXX  XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  XX/XX/XXXX # XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX XXXX XXXX. Midland Credit Management, does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Consumer complaint received 2024-01-22
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)

My information was sold and bought illegally because I was a victim of Equifax data breach. I want these items deleted from my credit report effective immedi ately. I am attaching proof that Equifax has admitted that I was a victim of the Equifax data Breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report. 

XXXX XXXX Account # : XXXX
Consumer complaint received 2024-04-27
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. (NH)

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

Company name : XXXX XXXX Account number : XXXX Date open : XXXX XXXX Balance : {$1300.00} Company name : XXXX  XXXX Account number : XXXX Date open : XX/XX/XXXX Balance : {$4600.00} Company name : XXXX  XXXX Account number : XXXX Date open : XX/XX/XXXX Balance : {$440.00} Company name : XXXX XXXX XXXX Account number : XXXX Date open : XX/XX/XXXX Balance : {$550.00} Company name : XXXX XXXX Account number : XXXX Date open : XXXX XXXX, XXXX Balance : {$1300.00} Company name : XXXX XXXX  Account number : XXXX Date open : XX/XX/XXXX Balance : {$9500.00} Company name : XXXX XXXX  Account number : XXXX Date open : XX/XX/XXXX Balance : {$4300.00} Company name : XXXX XXXX Account number : XXXX Date open : XX/XX/XXXX Balance : {$1900.00} INQUIRIES Account name : XXXX XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX  XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX, XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX Service Date open : XX/XX/XXXX Account name : XXXX XXXX NA Date open : XX/XX/XXXX Account name : XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XXXX XXXX, XXXX Account name : XXXX XXXX XXXX XXXX open : XX/XX/XXXX Account name : XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX Date open XXXX XX/XX/XXXX All these accounts have violated my rights!!! 

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 an 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 items of information, other than records of convictions of crimes which antedates the report b more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.