davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
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. (CO)

On XX/XX/XXXX, I sent a dispute letter addressed to the Credit Bureaus, requesting the removal of unfamiliar accounts that are currently being reported on my Credit File. I strongly believe that these accounts are a result of fraudulent activity, and I urged the Credit Bureaus to promptly conduct an investigation and remove the disputed accounts from my Credit File. According to my understanding of the FCRA Section 605b, it is a legal requirement for Credit Reporting Agencies to eliminate any accounts and information that are a result of fraudulent activities. I am submitting this Complaint today as a follow-up to my previous Complaint. Once again, I request the immediate removal of the following accounts from my Credit File : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX A XX/XX/XXXX XXXX If, during the Credit Bureaus ' investigation, it is determined that I am the legal owner of these accounts, I kindly request that copies of supporting documents, bearing my signature, be provided to me. However, if such documents can not be provided, I greatly appreciate the prompt removal of the disputed accounts.
Consumer complaint received 2022-09-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NV)

After a week that I sent my Identity theft report and Wellsfargo Home Mortgage sent me a couple of return letters. One of the letter says that they do not find any fraud loan and the second letter saying that they need more time for them to investigate and they will let me know later on XX/XX/2022. This is repeated for a whole entire year now and I am not getting any straight answers or reimbursement any money to me yet. They suggested me to go to the branch to discuss the matter, so I did went to the branch on XX/XX/2022 and the banker advice me to get an attorney about the mortgage fraud case, because they wont be able to do anything.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-03
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: MOHELA (TX)

In accordance with the fair credot reporting act XXXX Account # XXXX has voilated my right. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumjer reporting agency can not furnish a account without my writtien instructions.

15 USC 1666B : A creditor may not treat a payment an a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-03
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: WELLS FARGO & COMPANY (TX)

In accordance with the fair credot reporting act XXXX Account # XXXX has voilated my right. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumjer reporting agency can not furnish a account without my writtien instructions.

15 USC 1666B : A creditor may not treat a payment an a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-06-30
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: LEXISNEXIS (FL)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-09-23
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXXL XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00}.
Consumer complaint received 2022-09-23
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. (FL)

Despite the multiple written letters and CFPB Complaint I have been sending to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Also, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, the Credit Bureaus did not complied with the FCRA regulation and continued reporting the disputed accounts and information without sending me copies of proof of verification or any documents bearing my signature. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. Under the FCRA, I am requesting that the Credit Bureaus remove the following items deleted as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-06
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. (TX)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2023-05-02
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. (PA)

I am resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these items. I need this removed asap
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX XXXX XXXX comenity store credit card : I purchased a XXXX XXXX in XXXX. They billed me for XXXX @ {$130.00} and another exact charge is pending on my account accruing interest. I have emailed them and they either do not answer or they do and direct me to call customer service, I do and they tell me it will be taken care of and it is still there. I asked to speak with a manager and they told me it would do no good.
Consumer complaint received 2020-07-31
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. (OH)

My name is XXXX XXXX. My account number is XXXX. Last four of my SS # is XXXX. I would like to file a claim of FRAUD and in addition XXXX XXXX failure to comply with all of the requirements under 1026.7 ( b ). I paid off the credit card a long time ago and never used it since. I never looked at this account since I NEVER USE IT! I have NEVER RECEIVED ANY CALLS FROM XXXX XXXX NOR ANY BILLING STATEMEMENTS ( electric or paper )! I can provide proof via my email history and cell phone records. The charges on this account are fraudulent and are not mine! Please that this as a FRAUD dispute and comply with the requirements set forth under FCRA. Next, XXXX XXXX is in violation of all the requirements of 1026.7 ( b  ) considering I have never received any means of a billing statement. I have been in the hospital with COVID for a while and recently was released and can now address this matter. I Demand XXXX XXXX REMOVE ALL NEGATIVE CREDIT HISTORY FROM XXXX, XXXX AND XX/XX/2020, RESLOVE THIS BALANCE AND CLOSE MY ACCOUNT AT MY REQUEST!
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX continues to report inaccurate information regarding my credit file. XXXX XXXX is reporting current up to date accounts as potentially negative accounts. 

XXXX XXXX reported a 38 delinquent account when the accounts are paid and no longer reportable on my credit report. 

XXXX XXXX continues to report accounts that have been charged off, and accounts that are business accounts are being reported on my personal account. 

XXXX XXXX continues to report soft hits as hard hits, and duplicated information causing damages and denial of mortgage approval and other accounts. 

XXXX XXXX continues to report inaccurate information after receiving a 30 day notification to correct any and all inaccuracy within 30 days.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

Everytime i try to access my credit report i get an error message saying they are experiencing technical difficulties. I am not able to view my report or dispute anything. I believe they are purposely blocking me from doing so. I called and got transfered XXXX times and everyone acted like they did not know what was going on.
Consumer complaint received 2020-08-01
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. (GA)

I have advised TransUnion on several occasions that I was never late on my XXXXXXXX XXXX   account opened in XX/XX/XXXX, my XXXX XXXX account opened in XX/XX/XXXX, or my XXXX   XXXX account opened in XX/XX/XXXX. I have also advised that the XXXX XXXX account opened in XX/XX/XXXX, the XXXX account opened in XX/XX/XXXX, the XXXX account opened in XX/XX/XXXX, the XXXX XXXX account opened in XX/XX/XXXX, the XXXX XXXXXXXX XXXX   XXXX XXXX XXXX account opened in XX/XX/XXXX, the XXXX account opened in XX/XX/XXXX, the XXXX XXXXXXXX XXXX XXXXXXXX opened in XX/XX/XXXX, and the Chapter XXXX Bankruptcy closing date of XX/XX/XXXX is not mine this information is inaccurate and may be a result in identity theft. I have provided proof to TransUnion that this information is inaccurate. TransUnion has yet to prove their case on where they received this inaccurate information and refuse to remove the information from my credit file. Please help me get this matter resolved and have this inaccurate information removed from my credit file.
Consumer complaint received 2022-09-22
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. (GA)

I am submitting this because the 3 credit reporting agencies did not respond to my dispute letter sent to them on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX collections who works for XXXX XXXX as their collection agency told me they would get my credit cleared If I paid off the debt. I did and received a letter on XX/XX/2022 proving my account has been fully resolved. I called XXXX XXXX and they told me to contact XXXX XXXX and they are responsible to get me help to clear the account. XXXX said they don't clear debt abd that XXXX XXXX handles that. So I called XXXX and they do not even know who they are on XX/XX/2022 but they do recognize the debt. 

The sad part of this circular nightmare, it actually shows on my credit report that XXXX is the collections for XXXX XXXX. Seems to me no one knows what is going on and my credit file still shows the debt there after being full resolved. 

See attached document of proof.
Consumer complaint received 2023-08-10
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. (NC)

In accordance with the Fair credit reporting act this creditor has violated my rights. Under 50USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under and open a consumer credit plan as late for any purpose. Under 15C USC 1692G section 809 B creditor failed to validate a debt
Consumer complaint received 2023-04-05
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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2023-08-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I had a repo on XXXX XXXX the vehicle was sold recently but Im being charged for the prior interest rate on the vehicle which I dont think Im responsible for. I only had the automobile for 4 months. How could I be responsible for interest ket alone they took the money for all the warranties I had and charged me for XXXX fees. I dont believe I owe them anything. I put down about {$15000.00} dollars with the transfer of my prior warranty and {$3000.00} cash on a XXXX vehicle. It just doesnt seem right to me.
Consumer complaint received 2022-12-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have been contacting this company about several inaccuracies on my credit report but unfortunately I keep on being ignored, this time I must seek help from CFPB for others to learn of my experience,
Consumer complaint received 2021-06-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NJ)

I got the lease from XXXX  with the title and loan held by Hyundai Motor Finance co. I moved to a different state and the new state requires that I transfer registration and licence to the new state within 60 days. In order to do that I need to get a copy of the title and be given power of attorney so I can go to my states DMV and do the transfer. It has been over a month and half of me calling, emailing, sending them requests on their proprietary system to no avail. I am at wits end as to how to resolve this as I will soon be unable to drive my car since the 60 days will be over.

This seems to be a common complaint that people have with Hyundai Motor Finance where they don't release the title.
Consumer complaint received 2023-11-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Unlock Wealth $ (GA)

-I filed a similar complain under a different category. Since this is not a traditional personal loan or business loan, I am submitting 2 complaints. One for each category that it may fall under. 

-On XX/XX/XXXX I paid a contribution amount of {$2500.00} for inclusion in the platinum plan XXXXUnlock Wealth loan program . The plan ensured a loan contribution of $ XXXX to be paid in equal parts over a 2 year span. Members were required to pay back the contribution loan of $ XXXX. 
-After confirmation of payment/contribution a loan number was never provided to me. 
-Per the contract, once the contribution was made for the applicable tier, members would begin to receive distributions within XXXX weeks. 
-I never received a distribution of any type and began to email XXXX/Unlock Wealth. I also went to their XXXX page only to find that they had turned off comments, and deleted message from other individuals who paid into the system and had not received disbursements. The email responses were vague at best with an attempt to pacify. As a result, I request a refund of the {$2500.00} that I paid. I was told it would be processed, but I never received my funds. 
XXXX XX/XX/XXXX I attempted to file a claim with my bank to try to retrieve my funds ; however, the claim was denied due to the length of time from when the funds were paid to XXXX and the date that I filed the claim. 
-On XX/XX/XXXX, XXXXUnlock Wealth deactivated my account so I no longer had access to any information located in my account. 
-I filed a XXXX  complaint and XXXX  responded that they had never done any business with me and did not know who I was.
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (TX)

I submitted my reinvestigation request to all 3 credit bureaus on numerous occasions with proper identification required and have also requested that they block fraudulent inaccurate, erroneous, or misleading information in my credit files. I also provided my FTC report for the fraudulent accounts reporting on my credit profile and the only correspondence I receive is that I did not provide proper documents This is a stalling method that these bureaus continue to use in order not to process my request for a re-investigation. My rights are being violated at this point and I feel that they are i in compliance with the FCRA. This type of behavior needs to cease immediately and do what is right for the consumer.
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have my right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.