davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
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. (NC)

Sent documentation regarding my request to EQUIFAX, they sent an email on XX/XX/XXXX ( past the deadline ) stating there was an issue with my documents. I am not clear on the other documentation needed. 
Submitted ID, my letter, letter from Manager of state entity which was received on XX/XX/2023. I have spoken to several Representatives in the past two weeks and today the Rep told me its Legal Department who is sending me the correspondence via email for additional documents. 

The following case numbers are : XXXX and XXXX According to the CFPB.gov website, credit reporting agencies SHOULD NOT challenge any documentation unless its for identification purposes. 

The following is under the CFPB.gov, Human trafficking details : When can you expect a response from the consumer reporting agency? 

After receiving your submission, the consumer reporting agency has four business days to block the information. 

However, under limited circumstances, the consumer reporting agency has five business days to request additional information from you. They may request additional documentation only to establish proof of identity identity, to request a victim determination, or to identify the adverse items at issue. They may not, however, challenge whether the adverse information resulted from trafficking. If the credit reporting company requests additional documentation, they must make a final determination within 25 business days of your orginal submission. 

When the consumer reporting agency makes its final determination, they must provide a : statement confirming the review has been completed ; statement explaining the outcome ; free credit report showing the revisions ; description of the procedures used to determine the outcome ; method for contacting them to appeal their determination or revise your submission ; and webpage where you can submit a complaint to the CFPB. 
If you have a problem with credit reporting, you can submit a complaint with the CFPB. For additional information, read the Final Rule and the CFPBs Human Trafficking Fast Facts.
Consumer complaint received 2023-08-27
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. (SC)

XXXX XXXX share my personal information with a third party without my authorization. 

They have also voilated my consumer rights granted by Congress. 

15USC1681A 15USC1681B 15USC6802 15USC1605 I have tried my best to work with this firm, but they keep reporting false information on my consumer repair and I want them deleted immediately.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have a concern about the compliance procedure Equifax are following. I have tried to resolve this matter multiple times. Please help me hold Equifax accountable. The inaccuracies and identity theft pertain to my credit report with Equifax, specifically related to my auto loan account number XXXX associated with XXXX XXXX XXXX XXXX and an account from XXXX with the account number XXXX. These inaccuracies flagrantly contravene crucial sections of the Fair Credit Reporting Act ( FCRA ), notably Sections 1681e ( b ), 1681s2, 1681c, and 1681o. Of significant concern is the erroneous depiction of a 60-day late payment for XXXX, despite preceding months reflecting consistent and timely payments. Additionally, critical months, such as XXXX, XXXX, XXXX, and XXXX, exhibit missing account activity data, leading to an incomplete depiction of credit activity. 

The account status designation, incorrectly indicating NOT MORE THAN TWO PAYMENTS PAST DUE, contradicts the factual payment history and lacks essential details such as a date of last activity. Furthermore, the reporting of the account status as open or delinquent conflicts with the actual status of the account, which has been paid/closed or paid as agreed.
Consumer complaint received 2023-12-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (GA)

I have an installment loan with Wells Fargo to replace windows on my home. The date open was XX/XX/. The interest rate is set at 8.99 % Yet each time that I make an on time payments, Wells Fargo takes between 29 % to 33 % of each payment.When I called to ask why. The Rep said I would have to make a larger payment like a {$1000.00}.
Consumer complaint received 2016-09-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MO)

Nationstar is charging me bogus fees for no reason, I 'm not late, completely current and paying extra every month on my loan and since XX/XX/2016 they 've charged me a ttl of {$90.00}. They are SUCH a horrible company, they can not tell me what the fees are for, they should n't be allowed to do business.
Consumer complaint received 2023-07-10
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. (NY)

My payment history with XXXX XXXX XXXX Acc # XXXX ( XXXX ), Acc # XXXX ( XXXX ), Acc # XXXX ( transunion ), shows as late payment for XX/XX/2023. This is incorrect. I called XXXX XXXX XXXX, and they informed me that they did not report a late payment nor was I ever charged a late payment fee. The credit agencies have not rectified this information and they have not provided me with the investigation results.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 14. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 15. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 16. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 18. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 19. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2023-11-18
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. (LA)

According to 15 USC 1681b- Permissible purposes of consumer reports.

( a ) In GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 
I HAVE NOT GIVEN ANY INSTRUCTIONS TO THE REPORTING AGENCY TO FURNISH MY CONSUMER REPORT. 
THESE ACCOUNTS HAVE VIOLATED MY RIGHTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Equifax, and XXXX also has violated my rights to privacy by furnishing these reports to my consumer report without any written consent from me the consumer
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

i sent transunion a dispute about a inaccurate item that that are reporting on my credit report on XX/XX/2020 and i haven't receive anything or has the inaccurate item been remove from my credit.it has been over 30 days allowed by the FDCPA to respond, which is a violation and should be removed.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

In accordance with the Fair Credit Reporting Act Discover Card, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McNeil & Meyers Asset Management Group, LLC (LA)

Per CFPB COMPLAINT ID XXXX on XXXX XXXX XXXX  : " McNeil & Meyers did not buy the account. We are a servicer of the account. We have coded the account to be closed and removed from XXXX XXXX credit bureau. We do not want to fight the dispute at this time. It should update on his credit report in about 45 days. Thank you '' As of XXXX XXXX XXXX, the {$220.00} account balance to MCNEIL & MYERS remained on my XXXX credit report. 

Per CFPB COMPLAINT ID XXXX on XX/XX/XXXX : " McNeil & Meyers will submit an AUD to have this removed immediately. 
DESCRIPTION OF NON-MONETARY RELIEF Remove from credit report '' Why is this account still listed on my XXXX credit report as of XX/XX/XXXX, in opposition to the claims made by MCNEIL & MYERS XXXX  months ago and XXXX  month ago? Why is MCNEIL & MYERS continually lying to me and the CFPB over the past 5 months? 

This false account must be removed immediately. Thank you.
Consumer complaint received 2023-07-10
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 am writing to file a complaint and request assistance regarding inaccurate information on my credit report, which I have brought to the attention of Experian on XX/XX/XXXX. However, I have not received a response from them to date. As a concerned consumer, I firmly believe that Experian has an obligation to adhere to federal laws and regulations, including the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information on my credit report involves the following accounts : XXXX. Account Type : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Original Creditor : [ Original Creditor 's Name ] This account does not belong to me, and I kindly request that it be promptly removed from my credit report. 


XXXX. Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Your reporting of this account contains inaccuracies. The reported balance of {$2000.00} is incorrect, as I believe it should be a lower amount. Furthermore, the Past Due amount should not be provided, as this account is closed and charged-off. I request that you mark this account as disputed while I resolve the matter with the creditor. Additionally, I kindly ask you to verify the accuracy of the Date Opened, Date of Status, and First Reported for this account. 


XXXX. Account Type : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} This account requires examination due to incorrect reporting. The reported balance of {$1100.00} appears to be higher than what I remember. As your agency presented this account as closed, the Past Due amount should not be provided. I believe it would be beneficial to address this misleading data directly with the creditor. I am determined to take immediate action in resolving this matter with the creditor, but I need your agency to report the account as disputed while I attempt to find a resolution.
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ASSOCIATED BANC-CORP (WI)

I owed back payments on a loan through them due to having to change jobs. I finally am making enough to repay the loan and they removed my ability to pay online. They also removed my ability to see what I owe them or what they charge me. They insist I call them for all of these details. I asked for an electronic statement due to my lack of a home and my constant traveling for work and they refuse to provide one. I just have to take the word of someone over the phone.
Consumer complaint received 2023-12-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (FL)

I have had my chase freedom card since XX/XX/2022. I have been on time with my payments. I had a payment on XX/XX/XXXX which I had missed because I was going through a hardship. I went to schedule my payment of {$80.00} which is due on the XXXX of XXXX on Friday XX/XX/XXXX I got a phone call from an XXXX number from chase it asked me to enter my 16 digit account number. Which I didnt because I wasnt sure if it was legitimate. I tried calling chase and i was on hold for 20 minutes. This morning I got a call from a number XXXX. And it is from chase card services. I called XXXX and I spoke to agent who told me her ID number and said that my account is 9 days past due but I have already scheduled a payment of XX/XX/XXXX and the system doesnt have a way of stopping calls. I am aware that it is past due and I already have the payment scheduled for XX/XX/XXXX. I would like chase to cease and desist. I do not need stress when I am getting back in my feet financially.
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am not a customer of Capital One and its affiliates. But I have been receiving unsolicited credit card offerings from Capital One and its affiliates for years which disturbs a lot and I want it to stop. Over 1 month ago, I called Capital One customer service to stop. During that time, the representative promised the marketing will stop. But the Capital One and its affiliates ' offers still come to my mailbox. 

The opt-out service, a robo-phone service provided in the offers is also a sham. I called for XXXX mins but the service can not recognize my address and can not proceed to implement my opt-out. 

Please STOP harrase me!
Consumer complaint received 2023-11-17
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)

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 following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX GA XXXX
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I received an email on XX/XX/2023 from capital one stating my new credit card was approved and ready to use. I did not sign up for a card from capital one. I immediately called their customer service number and they assured me that the account was closed and a fraud report was filed. They did not provide me with any documentation on anything. 

I then called them on XX/XX/2023 to see if I could recieve some sort of documentation and I was told that a piece of mail would be sent to me. 

Now on XX/XX/2023 I received another email from capital one saying my email was updated on my account. I called capital one again because supposedly my account was closed and nothing should be updating on my closed account. They said that although there is an investigation open, the account cant be closed until the investigation is complete. 

This is ridiculous and should not be a standard for capital one. This needs to change immediately
Consumer complaint received 2024-04-12
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. (NC)

According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Too. I checked my credit report on XX/XX/2024 and found that the information on an account XXXX XXXX was put back on the report again and this account has a cancellation of debt meaning there is a XXXX balance. This account keeps changing for no reason you are in violation the FCRA laws and the FDCPA laws. I have already informed the attorney general the XXXX  and my lawyer of this disregard to my rights and breaking the laws of the FCRA.
Consumer complaint received 2023-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC (PA)

I learned the bank account I use to pay my mortgage would soon change routing number and account number. So on XX/XX/XXXX I initiated an early payment of my mortgage ( {$1600.00} ) to Fay Servicing for the month of XXXX. 


XX/XX/XXXX - I paid {$1600.00} to XXXX XXXX. 
XX/XX/XXXX - Fay Servicing attempted to charged me {$1600.00} ( using old bank details ). This ACH returned/failed ( due to old account ). 
XX/XX/XXXX - Fay Servicing charged my old account {$1600.00}. This ACH returned/failed ( due to old account ). Fay Servicing then charged my new account {$1600.00}. This charge went through. My bank verified it via trace # XXXX. 

I have shared all this information with multiple Fay Servicing customer service representatives and all they tell me is that they don't see the money ( that they withdrew from my account ), there is no problem, and nothing they can do.