davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
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. (MD)

While reviewing my credit report, I noticed several inaccuracies. I have a late payment on two separate accounts that I in fact paid on time. The consumer reporting agencies have a duty to report information with complete accuracy. This account has not been late on these payments. I have attached some screenshots indicating the errors on the following : Account name XXXX XXXX XXXX XXXX Account number XXXX Late Payment, XX/XX/XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Late Payment, XX/XX/XXXX Account name XXXXXXXX XXXX Account number XXXX Late Payment, XXXX, XXXX, XX/XX/XXXX According to 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-01-26
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXXXXXX XXXX  : {$7900.00}
Consumer complaint received 2020-12-16
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: Exeter Finance, LLC. (UT)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX XXXX, on XXXX. XXXX, 2020, EXETER FINANCE CORP and on XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (MD)

This notice serves as a legal notification under the Fair Debt Collection Practices Act and Uniform Commercial Code to all major credit bureaus. It has come to my attention that there are charged off accounts on my credit profile, indicating discrepancies in financial reporting. I request the immediate removal of these inaccuracies in accordance with the law. Furthermore, inconsistencies in how my accounts are reported across the three credit services violate the Fair Debt Collection Practices Act. 
I demand that all credit services rectify these errors promptly by updating my report and eliminating the charges for collections and inactive accounts. This directive is directed specifically towards XXXX, XXXX, Experian, and XXXX. Failure to comply with this request will result in legal action. This notice is a matter of public record and may lead to a lawsuit if necessary. I expect the prompt removal of the accounts from my credit profile. Thank you. 

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claims. 
I also want to remind you of the following laws : *- 15 U.S. Code 1692g : Validation of Debts *- 15 U.S. Code 1681n : Civil Liability for Willful Noncompliance *- LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681s2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies remove acct XXXX XXXX
Consumer complaint received 2020-12-15
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: EQUIFAX, INC. (MN)

In XXXX ofXX/XX/XXXXI have filed a notice with XX/XX/XXXX, Equifax, and XX/XX/XXXX for removal of all old credit cards reporting as charged off from bankruptcy. Which is illegal to report after bankruptcy in my credit report. Which most of the credit bureaus move it " closed account '' but not removed it from my credit report. I have sent another letter to remove but no response from any of the credit bureaus with this matter. 

On XXXX of XX/XX/XXXX I have sent a request to each of the 3 credit bureaus for verification to bankruptcy reporting in my credit reports. Due to Covid-19, I have intentionally waited 6 weeks before sending complaint to CFPB with no response from any of the credit bureaus. 

When I received the response letters from XX/XX/2020 CFPB, I was to call to obtain the status of response from the bureaus and when I was online waiting for almost an hour, I was told that I could NOT get the update from credit bureaus because I needed to be identified! Clearly this is delay tactic when there has been communication prior to from all credit bureaus issuing a file number and referring as the subject matter prior to now needing verifications to my identity. 

I can name number of Fair Credit Reporting Act violation with this matter and I need this matter resolved! If all credit bureaus can not supply the verification to bankruptcy in my credit report in timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
Consumer complaint received 2023-05-27
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. (AR)

This is " XXXX XXXX XXXX '', and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated : XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00}.
Consumer complaint received 2023-05-27
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX  XXXXBalance : {$0.00} ; XXXX  XX/XX/XXXX.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I attempted to open an account at XXXX XXXX XXXX on XX/XX/22, I received notification that they could not open an account for me due to a Chexsystems report. I pulled my consumer report from this company on XX/XX/22 through the website of Chexsystems  under consumer ID XXXX. It clearly states under reported information " No Information Found ''. Therefore, what negative information from Chexsystems prevented me from opening an account at the aforementioned business?
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-27
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. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$260.00}.
Consumer complaint received 2020-12-15
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: Experian Information Solutions Inc. (MS)

In XXXX and XXXX of XX/XX/XXXX I filed a dispute with this credit bureau about the unverified account XXXXXX/XX/XXXX Account number XXXX and XXXX XXXX XXXX Account number XXXX and XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 3 unverified accounts as of today. Thank you
Consumer complaint received 2023-05-27
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. (TX)

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
Consumer complaint received 2020-12-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (AZ)

Coinbase issue. 
I purchased a fixed amount of bitcoin in XXXX ( approximately XXXX bitcoin ). I transferred it to my coinbase account. I haven't been able to log into my account soon after that date. 
I was asked to verify my Identity by submitting an ID such as a passport and a selfie. I followed all of the steps required but it didn't work. 
I attempted to resolve this issue by following the guidelines on the coinbase site. It didn't work. 
I reached out to coinbase support on the XX/XX/XXXX and on the XX/XX/XXXX I still haven't received any response from them.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

In order to make a long story short, I will try to stick close to only the details. 

My mother passed in XXXX of 2020. My father passed in XXXX of 2020. This was a complete shock to me. 

I had a Power of Attorney for my father and an Affidavit of Heirship and I submitted this to the bank. 
At this time as well I was 5 months pregnant and my husband had just been in an accident and it was the middle of the pandemic and I lost my job. 
Wells Fargo said that they could help us by postponing our payments. They said that all we had to do was call in every 3 months and let them know if we still needed to freeze the payments and at the end I could get those payments put to the back of the loan. 
When the end of that came about I called and they told me there were steps that I needed to go through an assumption/modification. They told me that my credit wouldn't be a factor, they just needed proof of employment from my husband or I. They said my husband could be a non-barrower contributor. 
To make a long story short, every person almost that I was speaking with at Wells Fargo had a different story about what needed to be done, how much was owed and what the process was going to be to get everything in my name. 
I am a mother of XXXX and wife to XXXX but the misinformation has been so vast since dealing with them, it has kept me worried and on edge. The mortgage keeps going up and down even though it's supposed to be a fixed rate. They have asked me for the same documents at least 15 times and keep kicking me out of the modification program and making me start over again. They said I have not submitted my information on time but I have sent them through email and fax because they have not given me access to there portal because my name is not on the loan yet. Because my name is not on the loan, I have missed out of solar opportunities and home improvement opportunities. 
My husband and I moved into this home with my parents to help take care of my mother and then my father when he got ill. We had not intention on purchasing a home but now I don't want to loose my parents home because they keep putting me through a circus. I can't afford to pay a high mortgage amount but I can afford a low payment that we can maintain. 
I have a million things on my plate and this is just something hanging over my head and it feels like they are trying to make me loose the house. I don't want to pay high mortgage and my children don't have food to eat when they could modify the loan and make it affordable for us to keep my parents investment. 
It feels like these have got to be illegal activities and they are trying to push us into foreclosure instead of modification. 
My husband is veteran and we are struggling like most families right now and they have been making my grieving process and recovery from 2020 a worst experience than it already has been. I'm just asking them to be fair!
Consumer complaint received 2023-05-27
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : US DEPT ED XXXX Balance Owed : {$9100.00}
Consumer complaint received 2024-03-04
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: Experian Information Solutions Inc. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-04
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: Experian Information Solutions Inc. (WI)

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 2020-12-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Suntrust bank has been giving me sooooooooooo many challenges with my loan over the past year and now that I have closed the loan they have not refunded the {$10.00} they owe me after I closed out my loan
Consumer complaint received 2020-12-15
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: Fidelity National Information Services, Inc. (FNIS) (NV)

ChexSystem is reporting a social security in error in my consumer report, I sent my social security card several times to them but they dont remove the incorrect number they report it, ChexSystem agents are incorrectly alleging that I called them and I gave that number so they add it to my report without proof ( social security card ), they also mentioned that they called me to confirm that info but they got not answer so they was not able to confirm the number that they are alleging I provided to them otherwise I called them several times and sent proof of my social security number to correct that but they been refusing to do so. 
The only number that I ever had is the one ending in XXXX. 
Also ChexSystem is reporting a baunch of inquiries in my credit report that I disputed several times and they keep saying that are valid without providing evidence, those inquiries that I mentioned had different social security numbers as well those numbers are not reported on my report but those inquiries still in my consumer report. 
Communication abilities of ChexSystem agents are very poor since those agents are located in XXXX. 
The agents been asking for a police report saying that I didnt provide them the social security number that they alleging belongs to me but I cant file a police report without they proving me they allegations, I dont even know if they are lying to me as usual.
Consumer complaint received 2024-03-04
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: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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 request to block and remove these inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Experian and XXXX are obliged to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this identity theft report in my previous letter & I am including it again. Also, the data you provided on these inquiries are UNKNOWN to me and were REMOVED from other bureaus and so I have doubt about the accuracy of these inquiries still reporting in my credit reports : EXPERIAN : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. This is to inform you if you do not BLOCK and REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.