davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items XXXX not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

XXXX acct XXXX and XXXX  XXXX acct no XXXX are closed accounts with XXXX  balance. Proof is attached of Experian 's refusal to investigate, yet the proof shows the accounts are open and experian also shows XXXX XXXX has a balance.There is no proof available to show the accounts are closed and paid to zero. 
The transactions closing and paying them to zero were conducted over the phone with a debit bankcard. 
Experian claims this is a " duplicative dispute '', When has experian ever investigated that the accounts were closed not open as experian depicts.And that the balances are XXXX on closed accounts ... when has XXXX ever investigated that fact? 

Experian is merely calling it duplicative and frivolous under the FCRA because it is not profitable for Experian to do any dispute ever and they will try to get out of doing disputes
Consumer complaint received 2023-09-07
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. (CA)

After submitting 3 different disputes for the same issues Equifax has failed to properly remove, investigate & correct issues on my personal credit report. On XXXX  I submitted a dispute to have my name corrected, I attached a copy of my current valid California identification along with a copy of my bank statements. I also attached a copy of my federal trade commission affidavit to have accounts & inquiries that were fraudulently there removed from my credit report. How did Equifax confirm these if my name is incorrect to all the accounts listed on file with them.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # XXXXXXXX  Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (HI)

I have made payments in the store most recently XXXX, XXXX and XXXX and they never get applied. Instead I get a refund check from Target to reapply. I have been hit with interest XXXX and XXXX I am asking for adjustment. The last payment I made was {$1500.00} in the store.
Consumer complaint received 2023-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These bureaus are falsely reporting alleged debt which is a FDCPA Section 807 violation " 15 USC 1692e ''. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA.
Consumer complaint received 2023-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I was selling a couch on XXXX XXXX. The scammer sent me messages stating that because of my Zelle account limitation, he had to send me extra {$400.00} dollars from his business account. I received a " Zelle '' email stating that I need to refund the sender that {$400.00} dollars before I can receive any payment. The scammer sent me snapshots of pictures of bank transactions. I sent the money via Zelle. Then I received another email from " Zelle '' stating that I need to send more money. I realized this is a scam. I hope the company takes action against the scammers and change their policies for not protecting consumers.
Consumer complaint received 2023-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CO)

There is an old XXXX XXXX credit card debt ( XXXX bank ) of XXXX $ from over 7 years ago that isn't mine. The social security number tied to the debt is not mine. I have proven this before, and had it removed from my credit report ( in XX/XX/2020 ). The debt continues to be bought and change hands every couple of months, where I will receive letters from the new companies. The company that has the debt now has reported it to the credit companies as a new collection and has tanked my credit score almost 100 points. I want this debt gone from all the credit reporting agencies and I want this debt to finally die. The current company is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ''
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

To Whom It May Concern, I had a checking account with Wells Fargo in XXXX, Texas for about 10 years. I was trying to make some changes in XXXX due to my mom passing. I took my mom off of being the beneficiary and added my XXXX brothers. My nephew/son was added when I opened the account. I did not know he had had a credit card with Well Fargo. I went to take out XXXX dollars on XX/XX/XXXX XXXX. I notice that over XXXX had been taken out. I told the cashier and she could not explain and I called the number on the paper she gave me. I was so scared that I thought I had been scrammed so I did not want to give any information over the phone. I was able to talk to the branch manager who was very customer friendly, helpful, and professional. He called I guess the main office and found out that my nephew/son had owed them. My son said made arrangements to make payments which he was trying to do on the card. I was not notified at any time and he said he wasn't notified either even though he was trying to make payments. I was going to take him off in XXXX but I was told I could not without his approval. It does not seem right to me to for the Well Fargo to do this without any kind of notification to me. 
When I opened the account, nothing was mentioned that this could be done. I would have been willing to help make payments if I had been notified but, I was not told what was happening. In hard times like these, it is devasting and to me it seems that Well Fargo don't care. Thank you so very much for allowing me to submit this complaint/concerned. 
If this is a rule, maybe it could be amended to notify all involved before doing such drastic and devastating things like this. 

Sincerely yours,
Consumer complaint received 2023-09-07
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'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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
Consumer complaint received 2023-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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.
Consumer complaint received 2023-09-07
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
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'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get 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
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

On Saturday, XX/XX/XXXX, Nation Star - Mr. Cooper debited my monthly mortgage payment three times totaling {$7700.00} from my XXXX XXXX  checking account causing my account to be overdrawn. I immediately logged onto the Mr. Cooper website and reviewed my payments and the only payment I saw for XXXX was the regular payment I made on XX/XX/XXXX. I did not see any of the three additional payments. 
I called XXXX XXXX  and after an hour of waiting to speak with a representative, I was told that they were receiving many calls with the same complaint. XXXX issued a stop payment but they said because it was the weekend the money would not be credited back until Monday or Tuesday ( XXXX XX/XX/XXXX ). Therefore, that left me with no access to my money in my checking account. 
Mr. Cooper never posted a statement or contacted customers directly to inform them of what had happened. I only found out because I set up to receive alerts from XXXX XXXX  when large amounts are debited from my account. I tried calling Mr. Cooper on Saturday, XX/XX/XXXX but couldn't reach a live person and there was no recording informing customers of the issue. 
It wasn't until XXXX XXXX. on Saturday, XX/XX/XXXX, Mr. Cooper sent out an email informing customers of a " payment processing issue ''. Stating a processing issue at one of their electronic payments vendor resulted in a number of customers having their bank account debited incorrectly. 
The money was credited back to my account but it caused a lot of stress especially during this pandemic when many are having income issues and trying to make ends meet. 
Mr. Cooper should have communicated much earlier with their customers and also XXXX XXXX  should have flagged the transactions suspicious and blocked them until they were able to contact me to verify if I authorized the payments.
Consumer complaint received 2022-12-13
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. (FL)

Upon reviewing my consumer report, I noticed an account that should not be there. 

Consumer reporting agencies may only furnish a consumer report in accordance with the written instruction of the consumer to whom it relates. 

I have never given any of the consumer reporting agencies permission to furnish account XXXX XXXX - XXXX to my consumer report. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and RESPECT FOR THE CONSUMER 'S RIGHT TO PRIVACY. 

Please investigate and delete this account from my consumer report. 

Thank You
Consumer complaint received 2023-09-07
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. (NY)

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX And XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Request for Investigation of inaccurate information stating that I had late payments. 

To whom it may concern : I am writing to dispute the erroneous reporting of a late payment on my credit report. 
I contacted the following creditor as listed on my report 1XXXX is reporting that I made a late payment to XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX is reporting that I made a late payment to XXXX XXXX XXXX on XX/XX/XXXX. XXXX is reporting that I made a late payment to XXXX XXXX XXXX on If you find that my claim is true and that I did not make a late payment in the months stated above. I am requesting that those late payments be removed from my credit report and an updated copy of my credit report be sent to the address listed above upon resolution of the investigation. 
This is a request for you to investigate the following " Unverified '' account listed above and below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 in accordance with the federal protection act these companys and creditors violated my rights. your company is required by federal law to verify this inaccurate once I notified them that credit report was in error to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original bank check with my Signature and date on it ) that you used to verify that the the late payment after I contacted you about this error. My payment was never late as I explain to you was I contacted you. Your failure to properly verify these reported late payments has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
If you find that the late payments are valid please send me proof, along with the description of your investigation procedures within 15 days of the closure of this dispute. Thank you in advance for your assistance with this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I could not access my free credit report online, back in XXXX, so I contacted transunion, XXXX, and XXXX over the phone. I was was unfamiliar with alot of inquiries and information regarding my address was not updated.I waited almost 30 min to an hour to speak to someone about reporting inaccuracies as far as addresses, phone numbers, etc. I was asked by each representative of each bureau would I like a security freeze, but how would I agree if I can't see any of my credit reports myself? I'm getting denial letters in the mail for things I never applied for.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Onity Group Inc. (NY)

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX And OCWEN LOAN SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Request for Investigation of inaccurate information stating that I had late payments. 

To whom it may concern : I am writing to dispute the erroneous reporting of a late payment on my credit report. 
I contacted the following creditor as listed on my report XXXX is reporting that I made a late payment to Ocwen Loan Servicing XXXX XX/XX/XXXX XXXX. XXXX is reporting that I made a late payment to Ocwen Loan Servicing on XX/XX/XXXX. XXXX is reporting that I made a late payment to Ocwen Loan Servicing on If you find that my claim is true and that I did not make a late payment in the months stated above. I am requesting that those late payments be removed from my credit report and an updated copy of my credit report be sent to the address listed above upon resolution of the investigation. 
This is a request for you to investigate the following " Unverified '' account listed above and below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 in accordance with the federal protection act these companys and creditors violated my rights. your company is required by federal law to verify this inaccurate once I notified them that credit report was in error to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account. 
I demand to see a copy of the Verifiable Proof ( an original bank check with my Signature and date on it ) that you used to verify that the the late payment after I contacted you about this error. My payment was never late as I explain to you was I contacted you. Your failure to properly verify these reported late payments has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
If you find that the late payments are valid please send me proof, along with the description of your investigation procedures within 15 days of the closure of this dispute. Thank you in advance for your assistance with this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-08
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. (TX)

I want to inform the EXPERIAN AND XXXX Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) EXPERIAN AND XXXX CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX