davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (MT)

I have contacted through dispute letter and vocal communication multiple times, both XXXX XXXX XXXX  and Equifax. both blame each other for being unable to remove errors or delete incorrect accounts. XXXX XXXX XXXX has verified dispute letters even though the information was incorrect, inaccurate, or incomplete. The information I am using is from an Equifax report which has been verified by XXXX XXXX XXXX. The Equifax Report is dated XX/XX/XXXX. The Confirmation # XXXX. The account from XXXX XXXX XXXX  reported in the Equifax report is Account XXXX is XXXX. I contacted XXXX XXXX XXXX  to obtain a payment history, they were unable to find the account or its history. The account was opened XX/XX/XXXX. There are many errors on this account. The Credit Limit is also blank and missing information ( Error 1 ). The Months Revd is 96 which for this loan is Incorrect ( Error 2 ). Amount Past Due is blank and missing information ( Error XXXX ). The Date of Last Activity is Reported as XX/XX/XXXX, this is Incorrect ( Error XXXX ). The date of XXXX XXXX XX/XX/XXXX is also incorrect ( Error XXXX ). The Actual Payment Amount is Missing ( Error XXXX ). The Scheduled Payment information is missing ( Error XXXX ). Date of XXXX Delinquency is blank ( Error XXXX ). Date XXXX XXXX XXXX reported is missing information ( Error XXXX ). This account according to XXXX XXXX XXXX was opened XX/XX/XXXX with the last payment reported XXXX ( 2 years later ), Yet there is no payment history. The payment history is missing ( Error XXXX ). by law FCRA Sections XXXX and XXXX require creditors and credit reporting companies to report information accurately and correctly. The account is to be deleted from the consumers report. This report has many mistakes.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I made a payment to pay off the balance of my credit card for my capital one credit card on XX/XX/12, this payment has since posted to my credit card account and they have deducted that amount from my current balance, and my bank as well has posted the payment as sent and amount deducted from the active balance. To the day Capital One still has my payment on hold until at least 7 days from the date I paid it with the claim of ensuring the payment is received, even though they have acknowledged receipt of payment by posting the payment to my account and deducting that amount from my balance, and sending me an email they have received the payment and it has been posted. Their claim is contradictory.
Consumer complaint received 2023-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (AL)

i was forced to file bankruptcy to save my home when i tried every avenue just because my mortgage company wanted my home by stop sending me my monthly statements for a year since back in XXXX i have been under bankruptcy since XXXX with no help or assistance and no where to turn
Consumer complaint received 2024-03-21
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

had a loan with Wells Fargo tried XXXX XXXX to modify the loan. loan amounts were never right. I ended up short selling my home Was told that I made a profit and owe the IRS. Wells Fargo tax information does not show and I never had gotten. closing g statement from Wells Fargo I did from the realtor. I have been trying to get the information but have not had any luck. from Wells Fargo and in the mean time I can't fix my IRS debt as of today of XXXX.
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (MT)

I have contacted through dispute letter and vocal communication multiple times, both XXXX XXXX XXXX  and Equifax. both blame each other for being unable to remove errors or delete incorrect accounts. XXXX XXXX XXXX  has verified dispute letters even though the information was incorrect, inaccurate, or incomplete. The information I am using is from an Equifax report which has been verified by XXXX XXXX XXXX. The Equifax Report is dated XX/XX/XXXX. The Confirmation # XXXX. The account from XXXX XXXX XXXX  reported in the Equifax report is Account Number is XXXX. I contacted XXXX XXXX XXXX  to obtain a payment history, they were unable to find the account or its history. The account was opened XX/XX/XXXX ( 11 years ago ). There are many errors on this account. The account is missing High Credit and is blank ( Error 1 ). The Credit Limit is also blank and missing information ( Error 2 ). The Terms Duration is missing information and blank ( Error 3 ). The Months Revd is XXXX which for this loan is Incorrect ( Error 4 ). Amount Past Due is blank and missing information ( Error 5 ). The Date of Last Activity is Reported as XX/XX/XXXX, This is Incorrect The date of Last Payment is XX/XX/XXXX ( 34 months later ) ( Error 6 ). The Actual Payment Amount is Missing ( Error 7 ). The Scheduled Payment information is missing ( Error 8 ). Date of 1st Delinquency is blank ( Error 9 ). Date XXXX XXXX XXXX reported is missing information ( Error 10 ). This account according to XXXX XXXX XXXX  was opened XX/XX/XXXX with the last payment reported asXXXX ( 7 years later ), Yet there is no payment history. The payment history is missing ( Error 11 ). by law FCRA Sections 609 and 611 require creditors and credit reporting companies to report information accurately and correctly. Ifthey can not the account is to be deleted from the consumers report. This report has many mistakes.
Consumer complaint received 2023-11-09
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Consumer Adjustment Company Incorporated (SC)

The company calls or texts repeatedly. They are also using my cell number to contact me which is against TCPA compliancy. They have never asked for permission nor do they have permission. They have also texted me numerous times without my consent. Attached are some of the texts/calls I could recover. They have been unable to verify the debt as well.
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-16
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)

XXXX XXXX  XX/XX/2023 as unverified and unauthorized activity on my credit report. 
XXXX XXXX  XXXX XX/XX/2023 as unverified and unauthorized activity on my credit report. 
XXXX  XXXX XX/XX/2023 as unverified and unauthorized activity on my credit report. 

Address : XXXX XXXX XXXX XXXX XXXX, Tx XXXX as unverified and unauthorized activity on my credit report.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a resbonsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/24 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NY)

TO Lexis Nexis : CFPB case # XXXX Lexis Nexis # XXXX This is my 3 rd letter to you on this issue. 
When my employer checked Lexis Nexis on me you sent them a file with 71 " historic & Undocumented '' Judgments & Liens. 
that's 71 ( seventy one ). 
When I wrote a dispute you sent me my file with only 1 judgment & lien. 
THERE IS A SERIOUS DISCREPANCY HERE. 

I have several current credit reports from XXXX XXXX, XXXX, XXXX. They list no judgments or liens. NONE. 
I hired an attorney to do a upper and lower case search on me, They found NO judgements or liens. 
I have the file with 71 judgments listed, please see this file. The IRS lien you list 5 times, 4 of the 5 are duplicate an the 5 th shows " satisfied ''. 
Same with all the others, duplicate and of " satisfied '' many years ago. 
Please correct your records. If you send this false and mis leading file again I will pursue legal action with punitive damages. 

Please send me a corrected file showing NO judgments or liens. 

Sincerely XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Soc sec XXXX DOB CC : 1- CFPB
Consumer complaint received 2024-01-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company (CO)

In the beginning of XX/XX/XXXX I started a VA Loan Assumption with Freedom Mortgage. It took them until XX/XX/XXXX to even read the documents I sent them. It then took them until XX/XX/XXXX to get the documents to the Underwriters. I was told it would take the Underwriters XXXX  days to review the documents and request any additional information, XX/XX/XXXX. It took them until XX/XX/XXXX to get back to me with requests for more information. I returned the request for information same day, XX/XX/XXXX. I was told it would be XXXX days until I hear back from the underwriters. It is now XX/XX/XXXX and I still have no word. Also, these requests could have been ; A. Done the first time I did the application and B. If they wouldn't take so long to do their job. 

Also, when I call, XXXX out of XXXX times I can not reach anyone in the Assumptions department. My realtors have been given attitude by a Processor with the name XXXX XXXX. XX/XX/XXXX my realtor called her to ask about why the Underwriters are taking twice as long as we were told they would take. She was rude and did not have any answers to questions regarding missed timelines, calls being screened, and not replying to my inquires about documents I have sent and any questions I have. 

XXXX also told us we were assigned a new Processor, XXXX XXXX, but would not provide any contact information. When we do finally get a hold of the Assumptions department, they don't have any contact information for XXXX. And when we do ask them to contact him, he is always out of the office or " on break ''.

We were told the process would take XXXX days. We are over XXXX  days now. 

This whole process has been unacceptable, severely inconveniencing me the buyer, and a family of XXXX who are selling a XXXX bedroom townhouse and trying to move into a brand new house for themselves. Along with undue mental stress of this assumption process and the way we have all been treated.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

There is information that is not accurate listed on my credit report. I had some late payments due to COVID-19 and job stagnation during the period. I called them and explained the reasons for the late payments. All these payments had been settled and paid off. Still, these are bringing negatives to my credit reports every time I apply for credit or a loan. For so many years, I have been trying to fight this wickedness. This is the reason I bring it to here for resolution.
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Recovery Partners, LLC (IN)

Recovery Partners on behalf of XXXX XXXX contacted me XX/XX/2024 XXXX. Once at XXXX and the XXXX time at XXXX. 

The person is XXXX XXXX ( Or similar. It was hard to understand ). He called from XXXX. 

He claimed that the insurance company failed to subrogate and that they would be pressing charges with the state attorney generals office against my XXXX  if we did not pay an excess of {$10000.00}. He insinuated that my XXXX  could lose his XXXX XXXX as well. He is a XXXX XXXX and that is how we live so him losing his XXXX over this is not ideal and that he was also an XXXX  working on his XXXX. So I told him I would help clear this up so it does not impact him. The agent insinuated that if we dont pay that it would lead to this and in a result could impact my XXXX  ability to work and status ( XXXX ). 

I explained to him there must have been a misunderstanding because it was supposed to be subrogated with XXXX and XXXX ( our insurance company ) and if their was a failed attempt, we were not notified and could easily clear this up but contacting the employer, etc. I explained I had email correspondence from XXXX clearly showing our attempt to work with them and resolve this. 

I requested him what information he needed. Although he was not clear, from my understanding he needed the policy information for my XXXX  employer. I took notes and I said I would call back with that information. 

After looking into it, I discovered he had the wrong company name. It was misspelled and that the policy information was not properly notated in the policy report by the police officer. Although it was after hours, I called and left a voicemail to this agent with all the information I thought he needed to clear this up. I spoke to XXXX and they told me what information to give the representative so the claim could be subrogate. XXXX so no attempt to file a claim. So this was clearly a miscommunication error that could have been easily resolved. 

The agent then called me at XXXX claiming I was committing fraud and that he was holding off for XXXX months to move things forward. Again repeated the threats although I calmly explained what the error was and what needed to happen for XXXX to process the claim. He did not care. He was predatory, threatening, and harassing my after XXXX making me believe that my XXXX  and I would be in legal trouble for not paying them the money directly. 

I have since then contacted XXXX and discovered this agent is from a XXXX XXXX collection agency called Recovery Partners. The agent made it sound as if they were connected and a part of XXXX. This would explain what he wanted us to pay him {$10000.00} because XXXX would pull the account from the agency once they received the updated claim information. He was using extortion methods to scare me into paying him instead of helping us resolve the true issue. XXXX is working to remedy the account with XXXX  and would work on getting the claim pulled from collections.
Consumer complaint received 2024-03-21
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2024-03-21
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. (OR)

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 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 and purpose.
Consumer complaint received 2024-01-04
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. (OR)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.