davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I am reporting EQUIFAX AGAIN! They have NOT corrected my credit report. I have filed MANY reports and sent proof of what the balance should be. I also spent my LAST {$25.00} on XXXX XXXX to overnight them PROOF my student loans should have a XXXX balance because they were consolidated but they REFUSED to change it. Not only that I sent a letter showing what companies had my PERMISSION to pull my credit report. I was told by a representative to call the people on my report and get a letter saying they didn't have permission to pull my report. I was informed that I could NOT get a letter because they DON'T know me. IM SICK AND TIRED OF DOING THEIR JOB. THEY ARE RUINING MY LIFE. Not only is this stressing me out I suffered a XXXX XXXX from ALL the stress they have put me under. I WANT JUSTICE!!!! 
When I contacted your company, it said the case was closed. This is what I sent to your company before. 
I applied for an auto loan through 4 banks and was told by the last bank that I had an excessive number of inquiries on my report. I look at my credit report and noticed I had 26 companies that pulled my report without my approval. I then contacted the credit bureaus and disputed them. Within 24 hours I received a message saying my disputes were resolved. There is NO way they contacted the companies and verified those accounts. I did the dispute around XXXX on XX/XX/2023 and received an email at XXXX on XX/XX/2023 saying it was resolved and that they will remain on my report for 2 years. Because I am a realtor, I understand how too many inquires can affect your credit score. I am asking that you investigate this and have all the ones I did NOT authorize removed ASAP. If you have any questions, I can be reached at XXXX or by email at XXXX if I DO NOT GET JUSTICE BY XXXX XXXX, I WILL FILE A LAWSUIT AGAINST YOUR COMPANY AS WELL AS EQUIFAX. 
I am also including XXXX and XXXX
Consumer complaint received 2023-08-07
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. (NY)

I filed numerous complaints about the fact that TransUnion LLC is reporting inaccurate information on my personal credit report. At the same time TransUnion LLC is providing a wrong evidence in response to my complaints. For example, in my latest complaint from XX/XX/2023 I complained about that I do not recognize an inquiry from XXXX XXXX XXXX  XX/XX/2023. In response to my complaint TransUnion LLC sends me excerpt from my an INDIVIDUAL account - XXXX XXXX XXXX which I never complained about. Please see TransUnion LLC investigation result letter attached that clearly states that this is individual account and in my complain I clearly dispute some not related to my business account that I never applied for. Just in case I am attaching the complaint letter that I sent to TransUnion LLC. 
In addition TransUnion LLC is reporting other inaccurate information on credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
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. (GA)

This Person ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I sent the company a dispute for an account that isnt mine several months ago. Next, I filed a complaint with the CFPB XX/XX/2023 and it has been way over 30 days. I feel like they are prolonging their process and not deleting the account. It is now XX/XX/2023 and still no removal or deletion when the company knows thats not my account or debt.
Consumer complaint received 2023-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft. the information listed below, which appears on my credit report, does not relate to any transaction ( s ) that i have made. it is the result of identity theft. i have contacted credit bureaus XXXX, XXXX, AND TRANSUNION regarding this matter. with all three reporting agencies stated that the accounts are being verified by creditors as accuarate. I have also reached out to the creditors XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX and XXXX XXXX XXXX  ACCT # XXXX to whom also replied saying accounts are correct and I am responsible. These accounts were opened by someone other than me for extreme financial gain and they are affecting only me while trying to accomplish life goals.
Consumer complaint received 2024-05-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (TX)

At the time of my request for a Loan Modification I was experiencing a hardship in my life. Let me restate at am I am a single, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Although my Wells Fargo Mortgage reflects my ex-husband on the loan, he is in no way involved in my current life or my income status. Wells Fargo made a huge error at the time of my refinance and failed to remove my ex-husband from my mortgage loan ( covid era ). This error was made even after countless times of providing copies of my divorce decree. 
I left the loan in that condition with disgruntled feelings of being powerless over the major communication issue with Wells Fargo ( WF ). 
My reasons for requesting loan assistance last year were due to my hospital visit In XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My recovery from being XXXX  took a span of over 3 months. During this time, I encountered job change, job loss and a manifold of other hardships that entails with managing a single income household. 
I was unemployed at the turn of the new year, and in XXXX XXXX XXXX I applied for Loan modification assistance, which was accepted on XX/XX/XXXX. 
On XX/XX/XXXX XXXX I was hired with full time employment. I communicated with WF to update them of my employment, and I arranged to begin making monthly mortgage payments. 
In XX/XX/XXXX, WF verbally confirmed that my regular mortgage payment of {$1400.00} would be due on XX/XX/XXXX. No other amounts or issues were specified, and I ended the call with assurance of moving forward. 
On the day of XX/XX/XXXX, I received a phone call from Wells Fargo stating that there has been an update on the changes of my monthly mortgage to include a payment of the Mortgage Assistance. WF went on to explain that my forbearance approval did not include payment deferment ( pushed to end of loan ) leaving the total of XXXX XXXX  due immediately. They offered two payment options that are not feasible for my single income household. 
My most recent conversation with WF on XX/XX/XXXX I called to speak with my assigned specialist in the Loan Modification department. I requested for a copy of the Loan Modification payment options and explained to XXXX how confusing it is to receive multiple phone calls by different WF agents and no consistent reliable documentation. The mail received from WF has conflicting amounts and confusing verbiage. 
WF has informed me that they do not provide availability to speak face to face, zoom call or directly email communication. The closing statement XXXX said at the end of the conversation was advising me that the payment options presented are subject to change at any time.
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (MI)

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 Account number : XXXX Account name : US Department of EDU, Account number : XXXX Account name : US Department of EDU, Account number : XXXX Account name : XXXX XXXX XXXX, Account number : XXXX Account name : XXXX XXXX XXXX, Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number XXXX XXXX Account name : XXXX XXXX XXXX, Account number : XXXX Account name : XXXX, Account number : XXXX Account name : DEPTEDXXXX, Account number : XXXX Account name : XXXX, Account number : XXXX, has violated my rights. 15 USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. 15 USC 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 2023-10-20
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. (FL)

This is the second time I make this request the following two accounts I do not recognize and I suspect they are the product of identity theft, I have already inquired directly with XXXX but they have not been able to furnish me with any proof, the accounts in question are : XXXX XXXX {$2500.00} XX/XX/XXXX  XXXX XXXX XXXX These items were once removed from XXXX and Equifax but they have put them back, I know theres a law that forbids credit bureus from doing this. I need accountability here, that is why I am filing this report. 

I am attaching a copy of a complaint I made last month.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MD)

This has been an ongoing problem that I have tried more than a few times to resolve. 

After being disconnected a few times when their offshore rep tried to transfer my call to a US rep I finally spoke with a live Citi representative. I explained that I had previously paid these charges and should not owe any fees.When I finally reached the live Citi representative and explained the situation late fees were taken off.

However, I just received another bill from City cards with a late fee and a minimum interest charge listed. My statement shows that on XX/XX/year> Citi took a {$16.00} fee as a payment that I authorized just to be done with this hassle. 

As I explained to the US representative t when previously I spoke with him I was not going to use my card again and wanted this cleared up as I have always had an excellent credit score. 

It is it is beyond my comprehension why I am still getting these bills when I explained that I cut the cards up a few months ago after wasting so much time with Citi. I have been sorely disappointed with Citicards service : it is not the only because of the money but my time and frustration trying to resolve this.
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (GA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (PA)

Account XXXX his is for JPMCB credit department In accordance with the fair credit reporting act 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 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose. Please fix to show no late payments since this was your fault for understaff during covid 19 and could not accommodate pay by phone within 24 hours.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2021-08-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a late payment with XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX during COVID. Each institution hasnt properly handled my dispute.
Consumer complaint received 2023-03-10
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)

Re : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX I have disputed this collection account before but Transunion has NEVER required this debt collector to submit evidence of the ACTUAL default date. What appears on my credit report is the date they bought the debt, not the date of actual default, which was at least 13 years ago. 

The law clearly states that a debt must be removed from a credit report 7 years from the date of original default, not the date the collection agency bought the debt.
Consumer complaint received 2023-10-28
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony recorded a transaction of {$10.00} on XXXX XX/XX/2023. This account was closed in XXXX, XXXX. I am not happy with opening of closed account without my knowledge and recording transaction. 
Can you please help to take action and prevent Synchrony in recording transactions on closed accounts? 
Kind regards, XXXX
Consumer complaint received 2023-08-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent a letter out on XX/XX/2023 to XXXX Transunion And XXXX. Here is my tracking numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, however it has been more than 30 days and the credit bureaus have failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. code 1681i-Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers 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 ( 5 ), before the end of the 30-day period beginning on the day the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2023-08-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion placed 10 items on my credit report all in one day. I asked them for an explanation of why they did this and to verify that these accounts belong to me. TransUnion has not provided any proof that all 10 of these accounts belong to me.
Consumer complaint received 2023-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

I created a paypal fundraiser a while ago! then paypal did freeze my account and ever since refuses to give me access to my account! they removed the whole account access! I reset my password but still they want to sent OTP to my old phone that I dont have any nore! when I call customer service they say its a security mesure they can not overwrite it! and the system does not let them add my new phone number! they just say to wait a few days and try again and that THERE IS NOTHING THEY CAN DO! I mean seriouly they steal thousands of dollars from me giving nonsense excuses! althouth they send me an email that my funds are eligible for withdraw! they keep finding silly excuses blaming their own security system!
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: Experian Information Solutions Inc. (FL)

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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

XX/XX/scrub> 2024 : This Visa debt is XXXX years old and was purchased by XXXX. The debt is for less than {$3000.00}. Either XXXX or a third party called me and left a legal message. They said they are filing a case in XXXX XXXX. Then they called my ex-husband, leaving the same message. We have not been married or spoken for XXXX  years. They should not contact him for anything. That cant be lawful or ethical. The message they left, for my ex-husband, included my address. This is obscene. There is a history that exists, whereby he should not have my address. Not safe for me. 
Their number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called them. They have my name incorrect. I have never been XXXX XXXX XXXX. XXXX hasnt been my last name for XXXX years. They demanded I confirm my date of birth and last 4 of my social before telling me any info. I told them they shouldnt call someones ex-husband but they claimed we were connected. We are not connected in any way whatsoever. I confirmed that I was aware of this XXXX year old debt and hung up.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NJ)

In XXXX, XXXX, XXXX, and XXXX, I discovered XXXX, XXXX XXXX, XXXX, XXXX XXXX, etc. breached my trust selling personal, sensitive, and credit information to foreign entities damaging my credit history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. US Code 1028 ( a ) reports information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debts exist. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. 

Identity thieves exploited a security weakness on credit reporting websites. XXXX et al requires that those seeking a copy of their credit report successfully answer several multiple-choice questions about their financial history. But until the end of XXXX, XXXX website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was a name, address, birthday, and Social Security number. Agencies used my Social Security number, as well as other information for fraudulent purposes. 15 USC 1681 mentions agencies reported inaccurate information on my credit report. Agencies willfully failed to delete my disputed information damaging my credit score. Said information is not valid proof for a reasonable determination complying with FCRA.
Consumer complaint received 2023-11-20
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. (FL)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX