davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MO)

My credit lines with Comenity Bank have been incorrect since XXXX. The billing history and amounts are not reporting correctly. I made 3 formal complaints for resolution. On my last attempt the agent made a mistake trying to correct the issue and ran 4 new credit inquiries negatively impacting my score. They promised to correct this and it has been more than 30 days with no action taken. This cost me my refinance and has caused undo hardship,
Consumer complaint received 2022-10-29
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: EQUIFAX, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$4200.00} XXXX  XXXX Balance : {$3900.00}.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

It has been brought to my attention that you are not hindering records when I sent a multiple copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$820.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
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. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE NAT'L CR MGT Account Number : XXXX Delete this account.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Applied Data Finance, LLC (FL)

In accordance with the Fair Credit Reporting Act Personify has violated my rights. 

Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 

Under 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. 

Under 15 U.S.C 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-13
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. (FL)

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 2017-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My name is    XXXX   XXXX    and   XXXX   XXXX   XXXX   Is trying to collect the amount owed of {$1300.00}. I have never disputed owing the money however.   This collection agency has taken over the  Capital one  account. In    XXXX   XXXX  .  They were told my father passed away. I told them I lost my house do to my father 's reverse mortgage. Lost my business. and was unable to pay. they put me on a debt forgiveness due to hardship and did a charge off and hit my credit. which is fine. but now they are trying to restart an old debt. Which I do not feel is fair. I 'm am tired of the constant harassment by this fraud company. And I want it stopped immediately! I am not working so there is no way possible I can pay it back.They will get nothing.
Consumer complaint received 2024-04-05
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. (SC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Name : XXXX XXXX  Account Name : US DEPT. OF EDUCATION/XXXX
Consumer complaint received 2023-04-19
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. (NY)

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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX CALLED ME ABOUT A DEBT AT FIRST I DIDNT KNOW WHO OR WHAT THEY WERE BUT I SETTLED THE ACCOUNT THINKING IT WOULDNT REPORT OR MESS UP MY CREDIT REPORT. THE ACCOUNT ENDED UP HIT MY CREDIT PROFILE AFTER I PAID THE ACCOUNT OFF AND I CALLED THE COMPANY AND I TRIED TO RESOLVE IT BUT THEY TOLD ME THEY COULDNT. OTHER CREDIT INQUIRIES THAT ARE NOT MINE AND ARE REPORTING FRAUDULENTLY : XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
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)

XXXX XXXX CALLED ME ABOUT A DEBT AT FIRST I DIDNT KNOW WHO OR WHAT THEY WERE BUT I SETTLED THE ACCOUNT THINKING IT WOULDNT REPORT OR MESS UP MY CREDIT REPORT. THE ACCOUNT ENDED UP HIT MY CREDIT PROFILE AFTER I PAID THE ACCOUNT OFF AND I CALLED THE COMPANY AND I TRIED TO RESOLVE IT BUT THEY TOLD ME THEY COULDNT. OTHER CREDIT INQUIRIES THAT ARE NOT MINE AND ARE REPORTING FRAUDULENTLY : XXXX XXXX XXXX XXXX XXXX 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 2023-12-10
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. (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. 

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 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2023 -- Someone opened and account with JPMCB / Chase with my name and address. Received credit alert on XX/XX/2023 from XXXX. 
XX/XX/2023 -- Tried to use the JPMCB / Chase opened in my name for an amount of {$2100.00}. 
XX/XX/2023 -- Received Chase Fraud alert messages on my cell phone on charges tried on the Chase card. Messages was as follows : " Chase Fraud : We declined {$330.00} with card ending XXXX  at XXXX XXXX. Was this you? Reply YES or NO. '' XX/XX/2023 -- Received letter via regular mail from Chase Cardmember Services at XXXX. Called them and stated that I do not have ANY accounts with Chase at all and that the card was fraudulent. When talking to them, also checked with my ID Theft Service from XXXX and found out that someone tried to change the address for the fraudulent credit card from my address to the following address : XXXX XXXX XXXX XXXX, XXXX, WA XXXX.
Consumer complaint received 2023-07-14
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. (CA)

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2023-12-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: AmeriHome Mortgage Company, LLC (MO)

I am attempting to assume the mortgage for my home following my divorce. I submitted a mortgage assumption request to maintain the existing loan terms. Amerihome Mortgage denied my request due to insufficient income. Despite repeated inquiries, they declined to specify the required income level. 

The original mortgage was for {$200000.00}, and I was pre-approved for {$380000.00}. While my wife contributed less than {$5000.00} to our annual income that year, I earned {$94000.00}. My current income is {$110000.00}. On two separate occasions, operators assured me someone would contact me with further explanation, but no communication has been received after almost two months.
Consumer complaint received 2020-04-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance One, Inc. (PA)

I have been receiving calls from this company for weeks now. Most time I ignore it but today I'm sitting with my wife and kids watching tv and decided enough was enough. I've been in contact with XXXX  card services and have set up a payment plan thru their own website. I have been in contact with XXXX. I attempted to explain my situation and the fact that I have already made an agreement thru XXXX  and the did not listen. As I was explaining myself the guy on the phone just spoke over top of me. He was extremely rude. So I asked for a supervisor. I was immediately placed on hold and just waited a few minutes before I hung up and called them back. I then asked again for a supervisor was placed on a brief hold until a women answered claiming to be the shift supervisor. She proceeded to talk over me as I once again tried to explain myself. Then I asked to speak with her boss and she gave me some run around. Then proceeded to ask me for more personal info before she could give me her boss 's contact info. It was a giant run around. I told them numerous times over numerous calls to stop calling me. I will provide a screenshot of my agreement with XXXX.
Consumer complaint received 2024-04-05
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. (TX)

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 XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fidelity Properties Inc. (GA)

I informed them that debt was already paid to the original company. They have yet to removed me from their records. Trying to continue to received payment for something i do not owe them is a fraudulent account on their part, and its is older than XXXX last year. Want them removed from my credit. please. I have contacted them several times.
Consumer complaint received 2023-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Stark Collection Agency, Inc. (WI)

account was included in XXXX XXXX  which has been discharged old bank account XXXXXXXX XXXX XXXX XXXX XXXX XXXX pass on to the stark collection age
Consumer complaint received 2017-05-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY ()

Hi i have over  36 cf pb case claims against wachovia /wells fargo bank mortgages, iam awaiting repsponce from the cfpb and wells fargo bank mortgages who stole my home with perjury and fraud commited no missed paymant acounts mortgage and escrow in credit lost over {$270000.00} in hard earned cash and my penshion fund iam  XXXX   years old how do you exspect me to keep track on this corrupt bank w hen the cfpb system is a joke you deliberatly changed and blocked my password you send a email reset password and your link does not open so no i can not log in to my acount? Dont you think you have protected this corupt bank for long enough  36 cfp b casses and what have you done? you are fineing the small banks as a smoke screen but you need to shut this bank down fraud and perjury committed in courts all over  america  and you are protecting them you are a accessory to organised crime  mr  obama did nothing i will send my compliant to presidant donald  trump  and see what he thinks about this crooked bank wells fargo bank mortgages and crook    XXXX   XXXX     ceo
Consumer complaint received 2023-10-13
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. (NE)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, 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. (MI)

I went into the dealership XXXX XXXX in XXXX XXXX Michigan to purchase a vehicle on XX/XX/2019. I already had pre-approved financing. I told that to my sells person I advised him in the beginning that i only wanted my credit ran through the bank that had approved me. At that point thats all that was done. Well come XXXX XXXX I get hits through my credit bureaus that my credit had been ran through 5-6 creditors while Im sitting home heading up to the dealership to pick up my vehicle and i never gave permission for my credit to be ran. Then come to find out they ran my credit as a co-signer to someone I dont even know. Ive called several times and it still hasnt been resolved and its still on my credit report till this day. They even ran my name with the finance company who had already approved me twice now its showing 2 inquiries for the same company
Consumer complaint received 2023-04-26
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. (TX)

My complaint for this day is my follow-up to my previous complaint dated XX/XX/XXXX. My previous complaint disputed items are the following : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX I Include these items in my previous complaint, Now I am redisputing them again.
Consumer complaint received 2023-10-13
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. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am in the process of purchasing a new car ; therefore, I have reached out to the credit bureaus, asking them to verify these accounts. I also asked if they can do an investigation on everything on my credit report. After doing there investigation they stated that and they did. The major credit bureaus stated that everything was reporting correctly which was not the case, therefore, I would like to know what method was used to verify my account because there are a lot of inconsistences with reporting dates, and dates which accounts were open on my credit report. How is this information accurate if its showing differently on my credit reports, shouldn't it be the same across the board? I was advised that my credit report show be accurate across the board and should not have any discrepancies, and there are several in my case. 

As a consumer ; I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 168i ( 7 ) method of verification -description of reinvestigation procedure.

According to the Fair Credit Act, 1. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX have violated my rights. 
XXXX. XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX In accordance with the Fair credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C 1681e ( b ) and 15 U.S.C 1681i ( 5 ) theses accounts are in violation of not reporting 100 % accurate.