davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (IN)

Late payment disclosed on credit report : XXXX XXXX and XXXX of XXXX also XXXX and XXXX of XXXX. 
The comments on my report says " the account is closed at credit guarantors request '' which has a negative reflection when I am reviewed by creditors. 
Also this account was closed XXXX of XXXX and it's still being reported as a revolving account on my credit which is hindering me from increasing my credit limit. I have a credit balance of {$50.00} which I was never reimbursed from the company. 
Progressive is still reporting my account as if I am able to get additional credit which I am no longer able to do so due to the account being closed this company reporting my credit as open is fraudulent and goes against the Fair Credit Act 15 USC 1681. 
I have disputed with XXXX XXXX and XXXX concerning this account and this company refuses to remove these negative remarks off my credit report. This is a defamation of my character and a hindrance of my livelihood due to I am trying to buy a home and the banks are reviewing me or seeing me as a credit risk as a result of their negative reporting.
Consumer complaint received 2022-10-25
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)

I am a natural person, i am a living human being, i have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights numerous of time. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not gibe Equifax written permission to furnish these accounts. 

Accounts Dept of EDXXXX XXXX Dept of EDXXXX XXXX Dept of EDXXXX XXXX Dept of ED/ XXXX Dept of ED/ XXXX Dept of EDXXXX XXXX
Consumer complaint received 2023-09-04
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: Bread Financial Holdings, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CO)

I have been trying to get my free Equifax credit report. Every time I try to do the request online the security questions does not apply to me. Due to the hacking attempt I will not submit my personal information to Equifax to prove who I am. I DO NOT TRUST EQUIFAX OR ANY OF THEIR EMPLOYEES. 

I do not want Equifax try to send my credit report to my home address. Tell them to send the report to the following law firm. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TENNESSEE CALL XXXX - Ask for XXXX
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I disputed the late payments reported on XXXX XXXX XXXX XXXX XXXX. XXXX  and Transunion never reversed them ... They did not even send me any proof as to why they will not correct it.. Please take care of this error and remove the late payment CFPB
Consumer complaint received 2023-01-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

re : Wells Fargo loan modification denial I tried getting a loan modification from Wells Fargo between XXXX and XXXX but was denied several times. I lost my job in XXXX, which prompted us to pursue a loan modification from Wells Fargo. The loan terms from Wells Fargo were so exorbitant that it was impossible for us to honor our mortgage payments. Being denied the loan modification, resulted in us eventually short-selling our house in XX/XX/XXXX. 

I saw this news story that Wells Fargo had reached a settlement to compensate people that were wrongly denied loan modifications that led to the foreclosure of their homes. I believe that we are victims of that wrongdoing but were never contacted by Wells Fargo. 
I've contacted Wells Fargo but was given no answers so I hope the CFPB can help us in this regard. 

Best, XXXX XXXX
Consumer complaint received 2022-10-22
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX  XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX  XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, has violated my rights. 

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
Consumer complaint received 2023-09-04
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. (TX)

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

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-24
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company (TX)

Closing on my first home in XXXX  days and I am confused about the credits listed on the purchase contract as well as my cash to close. The lender used in the process is an affiliate of the builder/seller who has not been transparent with the numbers listed on the closing disclosure. I began asking questions on XX/XX/XXXX via email or text when I received the closing disclosure with a closing date of XXXX which was an error since my closing date was moved to XX/XX/XXXX. I asked multiple times for them to explain the breakdown of the credits as it is not clear on the XXXX. I am a veteran who is allowed to receive my earnest money paid as well as my tax credit back at closing, which DHI has repeatedly denied me of. At this point, I can not cancel the contract as I don't have another place to live and am expecting my first child in XXXX days. This entire process seems as though I was promised certain credits at closing and my lender is not being truthful and is changing the terms. Multiple emails, phone calls and text messages daily since XX/XX/XXXX until today XX/XX/XXXX don't answer my questions. The numbers on the CD do not add up to what is being relayed back to me when I use a calculator, which has been deceiving.
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (PA)

There has been an ongoing Identity theft Issue with fraudulent accounts and unverified accounts still appearing on my credit report after they were reported as identity theft via a police report and FTC report. There are numerous accounts being inaccurately reported in addition to the fraudulent accounts not being removed after numerous attempts to do so. XXXX, XXXX, and Experian are violating federally protected consumer rights by reporting fraudulent and unverifiable information as accurate with no proof of the method of verification being provided.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-19
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. (TX)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

.I previously a letter regarding this dispute on XXXX and was Originally disputed and requested investigation and no response. The below accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NV XXXX XXXX Acct XXXX XXXXXXXX {$520.00} are in fact inaccurate and should be removed Immediately. ThIs account is fraudulently Reported under the following : CALIFORNA CIVIL CODE SECTION 1950.5 ( B ) CALIFORNIA PENAL CODE 530.5aPC 15 U.S. Code 1681i ( the following I have previously provided supporting documents for penal Code 530.5PC identity theft ) In view of the foregoing, I am disputing the balance shown in my report and requested an investigation of the matter in accordance with [ 15 U.S.C. 1681i ] of the Fair Credit Reporting Act, which states in part : ( a ) ( 1 ) ( A ) In general. The Fair Credit Reporting Act ( FCRA ) requires the consumer reporting agencies to investigate and return the results of its investigation to you within 30 days of Deletion of the account 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 date on which the agency receives the notice of the dispute from the consumer or reseller. Under the Fair Credit Reporting Act [ 15 U.S.C. 1681i ( d ) and 1681j ].
Consumer complaint received 2023-09-04
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: EQUIFAX, INC. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXXrequired under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-01-24
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. (FL)

I am reviewing my consumer credit file and noticed a fraudulent unverified account on there by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, reporting this fraudulent information is extortion. I demand you verify the credit transaction that was made with me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX authorizing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. to furnish this information on my credit file. Failure to verify that a Credit transaction was made between me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shall constitute fraud , extortion, blackmail to embezzle labor out of me the consumer which violates 42 U.S.C 1994. And constitute a violation of 15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. Furthermore I believe you have 4 business days after receipt of this Notice to remove this fraudulent account from my consumer report, and cease and desist all communication through any mediums including credit reporting agencies after receipt of this notice as required by federal Law.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reached out to transunion on multiple times. Because they are reporting inaccurate information on my credit report. Its not showing on XXXX and XXXX and every time they are saying it coming back as valid. This really making me feel as if they are not doing a proper investigation
Consumer complaint received 2018-04-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MI)

I am currently back in school but Navient will not afford me an in school deferment as it says I have exhausted forbearance limits or something to that effect. In XX/XX/XXXXI tried to set up a payment arrangement, made a down payment and then I would have set payments of {$440.00} which would have to be reviewed in a year. Going through this process I received a letter that said I didn't qualify and then I got a call from the company saying otherwise. Only to soon after receive another letter stating I again did not qualify. So you can imagine the confusion on what I was suppose to do. On XX/XX/XXXX I learned was my last day in my current position. So now I don't have a job to even afford to pay but could really use an in school deferment. I will be reaching back out to the company today XX/XX/XXXX to inform them of new details and to try once again to get a deferment until I obtain employment again. The other concern I had was are these loans even legal as they were given to me while obtaining my undergraduate degree and they would never certify with my school which as I realized later was very predatory in how they did the lending at the time.
Consumer complaint received 2023-08-09
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. (CA)

.I previously a letter regarding this dispute on XXXX and was Originally disputed and requested investigation and no response. The below accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NV XXXX XXXX Acct XXXX XXXX  {$520.00} are in fact inaccurate and should be removed Immediately. ThIs account is fraudulently Reported under the following : CALIFORNA CIVIL CODE SECTION 1950.5 ( B ) CALIFORNIA PENAL CODE 530.5aPC 15 U.S. Code 1681i ( the following I have previously provided supporting documents for penal Code 530.5PC identity theft ) In view of the foregoing, I am disputing the balance shown in my report and requested an investigation of the matter in accordance with [ 15 U.S.C. 1681i ] of the Fair Credit Reporting Act, which states in part : ( a ) ( 1 ) ( A ) In general. The Fair Credit Reporting Act ( FCRA ) requires the consumer reporting agencies to investigate and return the results of its investigation to you within 30 days of Deletion of the account 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 date on which the agency receives the notice of the dispute from the consumer or reseller. Under the Fair Credit Reporting Act [ 15 U.S.C. 1681i ( d ) and 1681j ].
Consumer complaint received 2024-03-07
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. (TX)

This was my follow up complaint to you today regarding my issue of being victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, mine was under reference # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and inquiry which were being posted to my reports. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX  XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ==========XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX  XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-19
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. (CA)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.