davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

In XX/XX/2024 I sent letters to each credit bureau. I want XXXX name and gave them copy of my social security card and drivers license. I have no alias. My name should be XXXX XXXX XXXX like it is on my social security number. Not jams f XXXX, XXXX XXXX, XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX 

I sent bank information detailing my one and only address. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX. I have no other address. This is the only address I have. It is my right to use XXXX name, XXXX address, XXXX phone number. The credit bureaus after XXXX times still refuse to correct my consumer report. These are violations according to FCRA on accurate information
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-08-18
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. (NV)

I am submitting my follow up complaint to the Experian, XXXX and XXXX Credit Bureaus with the assistance of CFPB. I am a victim of identity theft, and under Section 605b of the FCRA, CREDIT BUREAUS are required by law to remove any items or data that have been opened as a result of identity fraud. Once more the ACCOUNTS in dispute DO NOT belong to me. Nonetheless, the requests I sent out were purposefully denied and ignored, which I thought was unprofessional on the Bureaus ' part. Once again I am requesting the Experian, XXXX and XXXX Bureaus to remove these specified accounts below : EXPERIAN : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXXXXXX Account Balance {$15000.00} XXXX XXXX XXXX XXXXXXXX Account Balance {$0.00} XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXXXXXX Account Balance {$15000.00} XXXX : XXXX XXXX XXXX Account Balance {$15000.00}
Consumer complaint received 2023-02-07
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: Experian Information Solutions Inc. (GA)

This is my 7th 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 : {$3500.00} XXXX XXXX XXXX XXXX XXXX : {$3500.00} XXXX, XXXX, XXXX XXXX XXXX Balance XXXX {$3500.00}
Consumer complaint received 2022-11-26
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. (IL)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I want everything on my transunion credit report remove cause my last name is spelled wrong. Every account is outdated and my name is spelled wrong My name is XXXX XXXX XXXX not XXXX XXXX
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE (MS)

On XX/XX/XXXX, I deposited a Check drawn on The Huntington National Bank ( Check No. XXXX ) on behalf of my son, XXXX XXXX XXXX who is currently serving in the XXXX XXXX in XXXX. I have a Power of Attorney to handle my son 's financials while he is serving in the Marines. 

The Check was dated XX/XX/XXXX, in the amount of {$660.00}, for CFPB XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The check indicated Void if not deposited within ninety ( 90 ) days of date of issue. 

After depositing the check in my son 's bank account on XX/XX/XXXX, I was contacted by the XXXX XXXX XXXX and was told that the check was returned by Huntington Bank and could not be honored since it was past the ninety ( 90 ) day period. I was advised to contact the Huntington bank and request that the check be reissued. 

I contacted the bank and spoke with a bank official that advised me that the check was returned because it was " stale dated ''. I was advised to contact the Payment Administrator and request that the check be reissued. 

Upon contacting the Payment XXXX at ( XXXX ) XXXX, I was told that the case was closed and the check could not be reissued.
Consumer complaint received 2023-02-14
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. (NY)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy.

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) states 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 2024-04-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

XXXX is refusing to remove negative reporting on my credit report. after XXXX and district attorney conducted an investigation on a fraud and scam that i was a victim off. I have over 8 months trying to reach a resolution. 

numerous calls and emails. and negative reporting removal request. 

Im asking carrington for a cash out refinance of my loan and they are refusing due to the negative reporting they have on file for my loan. negative reporting they are refusing to remove.
Consumer complaint received 2023-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MA)

I paid the full balance XXXX and asked that the credit card company close the account as soon as the payment posted. They closed the account before the payment posted, resulting in the payment being returned by my bank and then they ask me for the same payment plus interest and fees, doubling the amount owed.
Consumer complaint received 2023-07-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

XXXX XXXX XXXX XXXX amount XXXX $ I would like this off my credit because when this issue happen I was XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. I hope to get this issue solve soon and hope to hear back soon god bless and have a nice day.
Consumer complaint received 2023-02-07
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: American First Finance, Inc. (FL)

Dear XXXX, I am writing to dispute the fraudulent accounts that have been reported on my credit report. I have never applied for any of the accounts listed. In addition, I have not authorized any person or company to access my credit report. These accounts are inaccurate fraudulent information and has hurt me the previous few months in obtaining housing and business funding. 
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 an account without my written instructions. According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller. 

I request that you investigate and remove any fraudulent inaccurate accounts from my credit report immediately. Please provide me with written confirmation that this issue is resolved. 
1.Amer Fst Fin Account # XXXX Date Opened XX/XX/2022, Balance due {$830.00}. 

XXXX Account # XXXX Date Opened XXXX XXXX Balance Due {$18000.00} This account is fraudulent and inaccurately reporting on my credit report. Under the fair credit reporting act this account is closed and past the 7-year statute of limitations and must be removed immediately. XXXX states that this company is not licensed or regulated to collect a debt in my state, Florida.
Consumer complaint received 2022-11-27
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. (NY)

My Name is XXXX XXXX XXXX In accordance with the fair Credit Reporting act XXXX  Account # 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 602 A. States a consumer reporting aenc can not famish an account with out my written instructions. These Items I am Disputing is from the XXXX XXXX XXXX  Website who no loner service my Account information, My Five negative Items from Experian Should be Removed because some on else Called XXXX XXXX XXXXXXXX Handel 's my loan Information and they never placed A negative Report on my Credit File.I did not Authorize nor Did I Give Them the Authority To Report this. Also my Reports are over the limit to stay on file because its been 8 years since the filing. Now if This situation does not Resolve in my Favor I will take every one to court. The Consumer Financial already helped me remove These negative XXXX XXXX Items off of XXXX XXXX XXXX. I don't understand why Experian keep Getting away with this when I Have proven The evidence Before.
Consumer complaint received 2023-02-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2022-11-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Although we received an initial COVID-related forebearance, we were misinformed by the mortgage servicer about important changes set forth by the XXXX XXXX XXXX or ( the HFA ) which is applicable for this federally-backed loan serviced by Wells Fargo ( the Servicer ) and have been taken into effect since XXXX of last year. According to the measure, based on the date of the initial XXXX Forebearance and the fact that the National Emergency is thereafter to be extended by XXXX XXXX in early XXXX which should have given us a payment extension to XXXX months ( not XXXX months ). Without the instructions we received from an XXXXapproved housing counseling agency, we would be kept in the dark about more rules which otherwise should have been provided us more available options that fit our situation best as part of their service. As we learn, we continue to believe that the mortgage servicer has been repeatedly providing tremenduous disservice to homeowners like us. Plus, the correct date when we received the approval for our first payment extension was on the XXXX XXXX XXXX ( not the XXXX ).
Consumer complaint received 2022-12-06
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. (MT)

In accordance with the Fair Credit Reporting Act, XXXX. XXXX 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 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-07
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: Experian Information Solutions Inc. (VA)

On XX/XX/XXXX I placed a dispute with Experian I have requested several times for a letter showing proof. It's been 30 days still no evidence of proof. It will be 60 days by the end of XXXX. It is now XX/XX/XXXX, According to the consumer law I should be treated with fairness and have my credit report showing accuracy. I have requested several times for proof, with my signature with regional XXXX. A copy of the original lease or agreement showing my name and signature listed. You have wrong names listed on my profile and inaccuracy listed under my name. Next step will be to go to State Attorney General.
Consumer complaint received 2023-01-08
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)

Ive written XXXX, TransUnion, and XXXX about settlements I completed with proof and they still report the account. I wrote letters the entire XXXX. 

Collections have been added to my files when the agencies have not reached out to me or the medical bills are apart of a litigation. I submit disputes. No response or change to report has happened. It has been three months since the medical bills have been added and were not my obligation XXXX of XXXX a collection was added to my accounts that I had no knowledge of. 

They continue to report negative items without verification. The agencies continue to report items that were settled and taken care. No matter how many disputes I submit. 

I paid my credit card down in XXXX and for over a month the credit agencies reported a wrong balance. 

I sent letter in XXXX clarifying my current address and name and information I wanted to be on the report and information that is outdated removed. Nothing has changed. 

My fair trade credit reporting rights have been violated.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (VA)

Description of complaint : I had a transaction of {$31.00} for XXXX went through on XX/XX/24 for which my balance was {$39.00} & it showed cleared on XX/XX/24 but when I Checked the account on XX/XX/24 it showed returned with a {$36.00} fee. I called truist bank on XX/XX/24 spoke to XXXX at XXXX & are was no help. I asked for a supervisor & she called me back & I spoke to a supervisor named XXXX at XXXX was no help. 
Desired settlement : I need the {$36.00} waived & they offered no options to help & I have {$500.00} in my savings account to cover overdraft fees.
Consumer complaint received 2022-11-26
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. (OH)

I have submitted multiple disputes for accounts reporting on my EQUIFAX credit report that do not belong to me. I have submitted multiple fraudulent disputes where EQUIFAX states they have " verified '' the account as mine, but when I ask for them to provide me proof of how it was verified they do not comply, but continue to leave the accounts reporting on my credit report. It is a violation of my consumer rights to furnish deceptive forms including unlawfully reporting inaccurate information to a consumers credit report. It is also a violation of my consumer rights to not properly furnish the form of verification that was used to " verify '' the inaccurate fraudulent accounts reporting on my credit report. It is also a violation to remove accounts and then put them back on my credit report.
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (UT)

I am trying to use my American Express card with my budgeting apps. American Express does not allow me to connect my account to my budgeting app. I have spoke with American Express and both of my budgeting apps and have been told that American Express does not support linked accounts.
Consumer complaint received 2023-02-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is the fifth time I've updated this questionable information by sending a letter to the three credit bureaus, yet no changes were made. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request this time to repair the following incorrect 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
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

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 this account ( A ). It is not permissible to fail to validate this reporting account 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  XXXX XXXX Balance : {$740.00}