davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
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. (GA)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need to be deleted I listed below in the report I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my report.

I reported the theft of my identity to the Federal Trade Commissions and I have enclosed copies of the Federal Trade Commission Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I want a new mortgage servicer. Fifth Third is presently my servicer. They have been the mortgage servicer on my house at XXXX XXXX XXXX MI XXXX for almost 30 years. They are constantly harassing me about my insurance.I spoke with them on or about XX/XX/XXXX about my coverage. I had changed insurance companies. I gave the woman at Fifth Third all the information. I made it clear it was set to auto pay and would not renew until the day before the due date of XX/XX/XXXX. Why should I pay sooner? Under federal law, the servicer must reasonably believe that the borrower has failed to maintain insurance coverage on the home before purchasing a force-placed insurance policy. I have never missed either a mortgage or insurance payment.I called these people and gave them all the info and they still send me threatening letters. This Isn't the first time. Fifth Third is a horrible company and I want a new one. XXXX XXXX holds my loan and they must have dozens and dozens of servicers. Is there any way I could choose a different one? If not how do I file a complaint against my service provider?
Consumer complaint received 2023-10-11
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. (AL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX.
Consumer complaint received 2023-09-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

They are charging me a late fee for a mistake that they made. There are now two different account numbers. I paid before the due date so I wouldnt get a late fee. Total was {$64.00} and now I am receiving more late fee bills for now {$160.00} I already called them and they dont care and just want the Money. The money has already been taken out of my account when I paid over the phone on XXXX Then there was an issue with wrong account and somehow there are two accounts so I paid it again because they sent me a letter stating it was the wrong account. Why are there two account? Someone messed something up and doesnt know what theyre doing and one account needs to be closed. They dont want to help me when i call they keep putting me on hold and i gave them account numbers and no one is helping me
Consumer complaint received 2024-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi, On my Transunion credit report there are two inquires that I do not recognize. One from XXXX and another from XXXX XXXX. I tried to remove with Transunion but they have ben advised to dispute them here with CFPB and once completed they would remove them. I have since frozen my credit report until this is resolved.
Consumer complaint received 2023-10-10
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. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-11
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. (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.

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 2023-10-10
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX Balance Owed : {$24.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

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 2021-08-01
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. (MD)

I submitted a disputed to all three credit bureaus against XXXX XXXX open balance of {$65.00} in XXXX. XXXX XXXX XX/XX/2021 XXXX immediately removed outstanding amount from Credit Report however Equifax and XXXX  came back that the amount was valid. I proceeded to submit ( XX/XX/2021 ) the dispute report from XXXX  and Equifax is currently researching for over 30 days and XXXX  came back that the amount was valid. I attempted to resubmit a dispute to XXXX  and I was not allowed as it was determined that the matter was closed. I then waited a few days and submitted another dispute with the XXXX XXXX report and a copy of the money order ( XX/XX/2021 ). Immediately I received an email that the dispute was valid. I proceeded to call XXXX  where I was repeatedly asked what new information did I have available. I asked the representative what additional information would be needed than proof that another credit bureau found the information needed to be removed without any documentation. However I also submitted a copy of the money order. After being asked multiple times if I had additional information the representative stated they were able to see the documentation I originally submitted and hopefully the reviewers would see it and remove XXXX XXXX from my report. However I receive multiple emails from XXXX  that the matter is being investigated and Equifax states it is still under investigation. There is no reason that this issue should have taken multiple submissions over 2 months. It should be resolved and the items removed.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I frequently send money to overseas account holders ( foreign banks in their counties ) using wire transfer of bank of America. I had few problems with XXXX banks from this Bank to Bank Wire Transfers. In the past these were resolved. 

Recently XXXX XXXX  was sent to XXXX via Bank Wire Transfer. The recipient in XXXX did not receive it. The Bank in XXXX failed to transfer the money back to Bank of America so that I get my money back. Instead the Bank in XXXX seems to be holding it illegally ( it is not their money ). Bank of America is not making efforts to retrieve the money from threbank in XXXX ( their business partner ).
Consumer complaint received 2024-05-28
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. (FL)

Equifax allegedly verified the account XXXX XXXX. This account has not been verified as accurate and no investigation has been done to confirm this account because they did forward any documents as required by federal law. Now if you performed a reasonable investigation there should be evidence of such and not hearsay. This is my final attempt to get Equifax to follow laws as outlined to protect consumers. If you fail to provide the necessary documentation I do demand you pay the arbitration filing fee because I will be pursuing my claims against Equifax seeing how youre the only consumer agency reporting this account and the information must match across each consumer agency.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I revised my credit file and to my dismay, I see damaging reports that you failed to either CORRECT or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you to perform a logical investigation on these accounts.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Consumer complaint received 2023-10-10
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. (AZ)

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I revised my credit file and to my dismay, I see damaging reports that you failed to either CORRECT or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you to perform a logical investigation on these accounts.
Consumer complaint received 2023-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo is the servicer of my mortgage, which is owned by XXXX XXXX. I want Wells Fargo to stop servicing my loan and return it to XXXX XXXX for the following reasons, which the CFPB should check into : - Not correctly removing a borrower from forbearance. They were supposed to take me out, but the representative messed up and did not process my acceptance of the modification. This took countless phone calls and time to get them to correct this last year. 

- After the nightmare of them not removing me properly from forbearance, they sent me a letter saying they could begin the foreclosure process anytime, when I was current. I called and no one could tell me why that letter came to me. Isn't it illegal to threaten to foreclose on a home that is current? 

- Currently, Wells Fargo has had my full payment since XX/XX/XXXX. Tomorrow will be a week since they received all the funds. They received the majority of the funds from the North Carolina Home Owners Assistance Fund back in XXXX but did not put it on the account for almost two weeks. I was waiting to make sure they put the funds on the account and then I made the remaining payment on XX/XX/XXXX. To date, I'm showing past due on their site, as I'm passed the " grace period '' for my payment. Which they have the entire payment ( since XX/XX/XXXX ). I spoke with Wells Fargo to discuss this matter on XX/XX/XXXX and XX/XX/XXXX. Both times, I was assured it would not go passed the grace period. These actions are absolutely unfair and deceptive acts and practices. How can a bank have your entire payment for a week, keep it sitting in " unapplied funds '' even after the customer has called numerous times?
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I revised my credit file and to my dismay, I see damaging reports that you failed to either CORRECT or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you to perform a logical investigation on these accounts.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused
Consumer complaint received 2023-10-10
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: Credit Corp Solutions Inc. (WV)

I have medical bill on credit about XXXX never had XXXX on my XXXX or in years. When called credit Corp they contact original place. Credit Corp clles bck an told me it wasn't mine. It was a males a XXXX birthday day an my signature was not on papers. I never got request on papers showing me how I'm am suppose to pay for debt. Credit Corp never sent me anything tht I am reliable. I have a data breach letter that my info was hack. For a debt that isn't mine. I get to deal with all this extra with out provide documneta I'm ontitled to.
Consumer complaint received 2023-04-14
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance : {$850.00}
Consumer complaint received 2023-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc (TX)

I am being continuously contacted by XXXX XXXX XXXX. I spoke to a company representative on XX/XX/2023 XXXX XXXX XXXX CST I told the representative to Cease and desist all calls at that time and have still been receiving calls continuously after the fact. The debt that they are trying to collect I do not owe and have reported this to the Federal Trade Commission as well as the Better Business Bureau. The company that XXXX XXXX XXXX is trying to collect for used shady business practices for an auto renewal contract to scam me. I was no longer able to use their services due to a XXXX and the company refused to refund me the money for a membership I had not used in over a year. I will be taking legal action to recover the money I am owed if necessary. I am providing this notice to XXXX XXXX XXXX to cease and desist phone calls to myself again.
Consumer complaint received 2023-10-10
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 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 2023-10-10
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. (TX)

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.