davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
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)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 credit Bureaus Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-03-19
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. (CA)

I have suffered identity theft and fraud. I never consented to the following accounts, or have any recollection of any transactions. Please BLOCK and remove all fraud within four Business days pass pursuant to FCRA. Please exercise your grave responsibility to assure that my privacy is respected and honored. Pursuant to title 15 USC 1681 c-2, dene consumer reporting agency is only have the lawful authority to resign, or declined to block under the following conditions. 15 USC 1681c-2 ( c ) ( 3 ) - Signicance of block. For the purpose of the subsection, if a consumer reporting agency, rescinds a block, the presence of information in the le of a consumer prior to the blocking of such information it's not evidence of whether they consume on you, or should have known that the consumer obtain possessions of any good, services, or money as a result of the block. You may be held liable for negligence Pursuant to 15 USC 1681o & 15 USC 1681n
Consumer complaint received 2024-03-19
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)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (GA)

XX/XX/2023 nowhere between XXXX and XXXX eastern standard time. I attempted to deposit {$5000.00} into my account? The ATM would only except a certain amount of currency at a time. I had to make three transactions. The first transaction was for the amount ofXXXX. The second transaction was for XXXX. The last transaction was for XXXX and this is when I got the error. I entered my pin for the 3RD time, selected deposit. The deposit window opened and I put the {$1500.00} in the machine. And the ATM took the {$1500.00}. Then I received error that said Unable to deposit funds, remove ATM card. I remove the ATM card and expected a return of my XXXX. The machine did not give me my funds back and did not deposited into my account. I immediately went into the bank. I was told by the teller that they could not access the ATM machine that they would have to do it investigation. I opted to wait on the manager to come back in which was on a break. The manager told me that shell have them to immediately count the ATM machine and it would take about two days. We are on the fourth day now the manager keeps advising me shell give me a call. But that never happens. I feel like Im getting the runaround and I just want my money back because I have transactions going into that account and bills that need to be paid. Please help me. PNC Bank. XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I was at the ATM machine in the inside of the building walk up.
Consumer complaint received 2018-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (OK)

My name is XXXX XXXX and I have a mortgage loan with Mr Cooper I recently changed my insurance company and my insurance company forwarded the invoice with the premium amount of {$2000.00} to them in return my mortgage company sent a check for {$2800.00} to them which is higher than the premium they demanded. My insurance company returned the check back for {$2800.00} to them. My mortgage company for the second time sent another check for {$2800.00} still higher than the initial demand my insurance company requested for. The consequence of this is that my mortgage company increased my monthly mortgage payment from {$1500.00} to {$1500.00} after they did their escrow analysis based on the increased premium they paid to my insurance company on their own error they made twice. They say they would decrease my monthly payment after they receive the difference in refund from the insurance company. The question at this stage is why should I bear the brunt based on their error? Why did they not do the analysis based on the normal premium of {$2000.00} and {$2100.00} for their own error. I think this is unprofessional and unethical.I spoke to one XXXX a supervisor and she stood on their ground that I would pay that increased premium until they get the difference in refund. I think I am being taken advantage of because I have their money
Consumer complaint received 2023-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

I moved. Were I moved there was no Wells Fargo bank. I tried to close account they refused unless I was in person. I said I could not as I was states away. They kept charging me fees on money I could not access. Refused to send me a new card also as mine was lost while moving. So they kept all my money with no way to access it.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 2023-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NV)

Recently in XXXX I checked my credit score and noticed it was low. It stated I had a deliquency from Midland Credit. I received mail from them before but assumed it was spam mail. In late XXXX or early XXXX, once finding out about my credit score I gave Midland Credit a call and they stated that it is from a credit card from XXXXXXXX XXXX  which I never have because I have my trusted bank XXXX credit card. They stated that these charges dated back since XXXX. I believe this may have been an act of identity theft. I never applied for any cards. I tried to dispute the claim with Midland Credit but was denied. I called again recently in XXXX to continue disputing and referred me to this website. For years this credit score is ruining opportunities.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-19
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. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ALLY FINANCIAL INC. (CO)

Ally bank debited my account for {$1100.00} three days after the XXXX payment was canceled. I was sent a confirmation of the canceled XXXX payment and was under the impression my account had plenty of money to cover my {$540.00} car payment, however the automatic car payment failed and was returned after the XX/XX/23 due date. 

Since this has occurred, I have been charged a {$20.00} late fee and will likely see a derogatory remark on my credit report due to Ally Bank 's failure to send funds as directed. 

The {$1100.00} should never have been debited from my account since the XXXX payment was canceled. 

This is the second failure of Ally Bank to transfer funds as I directed within 60 days. The first being a failure to transfer a mortgage payment. As such, I have closed my accounts with Ally Bank and am exploring my options in terms of legal action due to the damages I have incurred.
Consumer complaint received 2024-03-19
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. (IN)

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.

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 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Subject : Complaint Regarding Equifax 's Inaccurate Reporting of My Credit Information Names that not mine ( XXXX XXXX & XXXX XXXX ) I am writing to file a complaint against Equifax regarding the acceptance of a name on my credit report that does not belong to me. Despite repeated attempts to rectify this error, Equifax has failed to take appropriate action, leading to significant inaccuracies in my credit history. This erroneous information has adversely affected my financial standing, making it imperative for the Consumer Financial Protection Bureau to investigate this matter and ensure necessary corrections are made promptly.
Consumer complaint received 2024-03-19
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. (NC)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I contacted experian, XXXX and transunion about the error on my account multiple times, last time being a letter sent in XX/XX/XXXX and just recently in XX/XX/XXXX. An apartment complex ( XXXX XXXX XXXX XXXX XXXX ) exposed me to toxic mold and agreed to not charge me for leaving early if I didn't sue them for the mold inhalation illness I was experiencing. They still sent a charge of about {$2400.00} to collections. They refuse to show me documentation explaining why these charges are legitimate. It has impacted my credit score since XXXX and has damaged my financial future since as it is the only mark on my credit score and it was my first apartment.
Consumer complaint received 2016-03-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I am currently having an issue with Bank of America regarding a modification that was processed without my permission or signature. I have contacted them but I am not receiving any assistance and they have not returned my call. I was at time of origination the primary borrower. The home was awarded to my spouse via divorce decree and I was told upon signing a release deed that was prepared the loan would be modified and my name removed. I was not provided a copy of the modification for review or signature. Upon. A recent credit check I am now aware m name is still on the mortgage and I have been told my the account rep from Bank of America that their policy does not require all responsible parties to sign the modification. My understanding is that any change in original repayment terms require all responsible parties to sign and acknowledge. Can you help me?
Consumer complaint received 2023-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (MO)

XXXX XXXX began billing internet service before a line was run into my home. They agreed that services not provided should not have been billed. They ran a line and I began and continue to pay monthly for services. The amount previously billed was mistakenly sent to collections. CBE GROUP INC has been trying to collect the invalid debt and has now for a second time reported it as delinquent to the credit agencies. I had already disputed once successfully to the credit bureaus and explained the situation the both XXXX and CBE. Last month CBE resubmitted the account as delinquent and in collections. I'm now in the process of having to dispute this a second time.
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

MY CREDIT REPORT IS MIXED UP WITH SOMEONE ELSE FOR POTENTIALLY ALL THREE CREDIT BUREAUS. BUT I ONLY SPOKE TO XXXX BUT ALL THREE ARE SHOWING AN INCORRECT XXXX SCORE AND THE WRONG CONTACT INFORMATION. 

XXXX has my report somehow mixed up with someone else 's. Today I noticed my XXXX Credit Score had suddenly plummeted over 100 points. The only thing that had changed on my report was I had taken out a small student loan for about {$8000.00}. Yet everything else was the same even my delinquent mortgage.

But my score suddenly plummets over 130 points?

And the reasons it gave for the plummeting score had nothing to do with my credit file. 

So I called into XXXX and spoke to an agent in XXXX. The agent kept telling me she had a different phone number for me. My phone number is already on file with XXXX, I had my credit report pulled up in front of me, but the woman kept saying she saw a different number. It was a very strange and frustrating phone call as she would not tell me how to resolve it. All she kept saying was there was a different phone number. 

And worse, the questions that XXXX was asking me when I was accessing my report did not apply to me at all. Although XXXX still gave me entry into my report. 

I have a fraud alert on my credit file because I have repeatedly been the victim of identity theft ( one of them caused by XXXX itself and they are paying for identity protection ). 

But I know that they have the report they release to lenders ( which is different than my personal report ) WRONG. 

The woman told me she saw employment numbers etc. on the report and additional numbers that were not on my personal credit report. 

So the report she accessed on me was different than what I saw. 

XXXX needs to release to me the report they show to lenders so I can verify the information because I did not see any different phone number.
Consumer complaint received 2024-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updatedXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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 am writing to seek your assistance regarding unresolved errors on my credit report that have negatively impacted my financial standing. Despite my repeated attempts to rectify these issues with the credit bureau, the errors remain on my credit report and they are greatly damaging my credit score. 

The payment history of XXXX XXXX credit card account XXXX erroneously shows a 60-day and a 90-day late payment from XXXX to XXXX on XXXX. I have always make payments on time. This is an apparent reporting error not only because I made payments on time but the data show does not make sense. There's no 30 days late payment on XXXX of XXXX, how can it be 60 days late on XXXX of XXXX? 

I have sent numerous letters to the credit bureau to correct these mistakes, requesting for investigation into this matter and have them removed from my credit history. Unfortunately, I have not received any communication from the bureau regarding the status of their investigation or any steps taken to rectify these inaccuracies. 

This lack of response and action from the credit bureau has left me feeling that my consumer rights are being neglected. Under the law, I am entitled to an accurate representation of my credit history. Therefore, I am reaching out to the CFPB to intervene and ensure a thorough investigation is conducted into these errors. I am seeking your help to have these inaccuracies removed from my credit report promptly. 

I appreciate your attention to this matter and look forward to your support in resolving this issue. Please find attached all the documents for reference. 

Thank you, XXXX XXXX
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (MO)

I opened the business account on XX/XX/2023. I was supposed to receive a {$400.00} bonus for maintaining a balance of {$10000.00} for 120 days. I did that. I was only paid {$250.00}.
Consumer complaint received 2024-03-19
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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.