davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-16
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. (NV)

Credit reporting agencies XXXX, XXXX, and Equifax have been reporting numerous accounts that solely contain information regarding transactions on my consumer report and details relating to the approval or authorization of credit card extensions, whether direct or indirect by the issuer. 

As a result, all three corporations are in violation of the following federal laws : 15 U.S.C. 1681a ( 2 ), specifically Exclusions, Subpart A, Sub-subpart ( i ) 15 U.S.C. 1681a ( 2 ), particularly Exclusions, Subpart B
Consumer complaint received 2018-03-13
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (DC)

I closed on my mortgage XX/XX/XXXX. The original mortgage amount was {$360000.00} at 4.25 percent payments @ {$2400.00}. 

I purchased the property at $ XXXX and I used a XXXX loan for rehabbing. I owner occupy one of the four units and rent the remaining three units in Washington, DC. 

At closing the building had three tenants, my renovation budget was to rehab the one vacant apartment ( unit # XXXX ) and other things around the building that needed addressing. About a month after closing, I presented the tenants with the option of staying with an increase in rent or moving out. One tenant ( Unit # XXXX ) chose to move out. The remaining two tenants signed new leases and ( Unit # XXXX ) XXXX XXXX is still here. Unit # XXXX paid rent at the lease signing in XX/XX/XXXX then never paid me again. 

DC Tenant Laws coupled with cold weather prevented me from getting an eviction until XX/XX/XXXX. In addition to the work I would have had planned, the former tenants left extensive unnecessary damage. By XX/XX/XXXX, I had paying XXXX XXXX paying {$800.00}, and Unit # XXXX had just gotten its first tenant in XX/XX/XXXX. I still had work in unit # XXXX and unit # XXXX. I missed my first payment in XX/XX/XXXX. 

I contacted Wells Fargo XX/XX/XXXX and they agreed to modify my mortgage. They were nice about and let me I did not have to pay until the modification agreement was complete. I signed a modification agreement out of duress on XX/XX/XXXX. The modification agreement offered to lower my payment to {$1900.00}. 

The process did not settle until XX/XX/XXXX causing me to have all those delinquent months negatively affect my credit. I do not dispute the original three months delinquent reporting but the actual number of delinquent months on my credit report feels like Wells Fargo intentionally delayed my paperwork to handicap me. Also my property has appreciated nicely, the most recent appraisal priced my place at {$450000.00}. Wells Fargo only uses the original purchase price of $ XXXX and with all the fees they added on the deferred amount I am around XXXX percent. This locks me in so I have no options. 

I have seen in the news how Wells Fargo has been called out for discriminating against minority communities with misinformation and predatory practices. Does this qualify for such an occurrence if its widespread?
Consumer complaint received 2023-07-16
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 writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you. Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report. Per 15 U.S.C 1681e 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 Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes The CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. ; This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge. The following claims about me were not reported correctly and I am challenging these inaccurate statements.

Please provide proof that the proper reporting standards were followed so this can be resolved immediately!
Consumer complaint received 2023-01-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (FL)

XXXXXXXX XXXX debt collection keeps reopening my acct after closing. The debt collection was from carecredit. I disputed with care credit and disputed with the debt collection. Had receipts my insurance paid for a portion. Provider filed a different claim with different amt than what was charged on my carecredit and its been since XXXX
Consumer complaint received 2023-02-10
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)

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX Balance : {$9900.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

Hello to whom it may concern, I heard about this website from a friend that had some issues with a collection company in the past and I wanted to reach out to you all because this company has been reporting an old XXXX  bill on my credit report for the past few years. I had gotten them removed MULTIPLE times and they are persistent in coming back onto my report! 

Firstly, they have no right to sell my information or purchase it without my consent and this is a completely different company that is collecting this SUPPOSED bill that I definitely do not owe! They need to show some proof of anything and they have not and they continuously keep reporting on my profile. If this does not change I plan on pursuing legal help in the following few months because it is really impacting my credit! 

Please reach out to them and let them know I want this removed permanently or there will be a lawsuit pending because this is ridiculous. Thank you. Below is the account number attached to my profile. Please remove. 

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-02-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo foreclosed on my mortgage after refusing to help me refinance or identify solutions to keep my home during the financial crisis of XXXX. 

They told me I was ineligible for any assistance and took my house by repossession. 

I would like to see if Im eligible for compensation/ assistance under the new settlement but its just very confusing to me and Wells Fargo has been very unhelpful and cruel for a decade and a half. 

Please help me navigate this. I was military at the time and now Im retired. The house was in XXXX, CA. 

The most frustrating part of holding them accountable is that wells fargo used to send emails with your loan and account redacted until you signed in so finding the documentation of accounts after the foreclosure was difficult and almost impossible. My account was
Consumer complaint received 2018-03-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC (KY)

XXXX XXXX XXXX ( Attorney XXXX XXXX XXXX ) in XXXX Kentucky was hired by XXXX XXXX XXXX LLC XXXX XXXX Summit XXXX XXXX XXXX # XXXX, XXXX XXXX NY XXXX, XXXX being a third-party collection agency who purchased the debt from XXXX in or about 2011, advising I owed {$1500.00} of which I just recently learned. XXXX placed a lien against my residence in XXXX XXXX, Kentucky for this amount on XX/XX/XXXX, it then caused to have all of my paycheck ( s ) deposited to my XXXX checking withdrawn via unknown garnishment in the amount of {$1300.00}, leaving me without one cent. The debt collection is being handled in an illegal manner, past statute debt to collect, using a third-party debt collector without proper notification, having placed a lien on my residence, then proceeding to garnish all of my funds from my checking account leaving me penniless. I never used XXXX 's credit card. I ask that I be reimbursed the monies taken from my account.
Consumer complaint received 2021-11-27
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. (PA)

A company named XXXX XXXX is reporting an account on my EXPERIAN, XXXX AND XXXX consumer report. XXXX XXXX Code XXXX disclosures thats financial institution may not directly or through and affiliate ( EXPERIAN, XXXX, XXXX ) disclose any personal information. I did NOT give and written communication to report any such information. XXXX XXXX appendix XXXX states that a company must displace notice of reporting information ; that was not provided. XXXX XXXX code XXXX states without my consent the consumer may not communicate in connection with any debt.
Consumer complaint received 2023-02-02
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. (CA)

I submitted a letter to the 3 Credit Bureaus on XXXX XXXX XXXX to update this misleading information. I think you have not validated these accounts : XXXX XXXX Balance : {$0.00} RXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2900.00}
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

Received an Alert from Experian on XX/XX/2023, stating that " Nice Job paying off your Loan- your account was last reported as having a Loan Outstanding, but now it's showing as paid with a Zero balance. 

XXXX XXXX XXXX XXXX has reported Positive Activity : Loan Paid. 

On the SAME DAY, Experian gave me a 'Credit Rating Decrease '' I don't understand how a customer can payoff a auto loan and have their credit score drops XXXX POINTS.
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

" Resident Verify '' and " XXXX XXXX '' is in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my Experian, XXXX, and XXXX consumer report on XX/XX/XXXXXXXX   and XX/XX/XXXXXXXX   without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 

A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 

The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

I have not initiated any transaction with Resident Verify or " XXXX XXXX '', Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (TN)

This account is showing up on my XXXX report as negative. Also it is showing up a a foreclosure. This needs to be corrected with NationStar and XXXX. Please alert them of this reporting negative on my XXXX report. All other agencies have corrected it.
Consumer complaint received 2023-07-12
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. (FL)

The credit reporting agencies are obligated by the FCRA to report accurate accounting. XXXX XXXX XXXX XXXX reinserted a few accounts that I recently disputed as fraud on my consumer report. I advised the consumer reporting agencies that ALL accounts and inquiries reported was fraud. I advised the consumer reporting agencies that they had 4 business days according to LAW to remove such items ( inquiries, accounts ). FTC fraud report was filed on behalf of consumer ( me ). I am now requesting the consumer reporting agencies to provide the documentation used to determine inquiry or account was indeed authorized by me the consumer in fact. The consumer reporting agencies has 15 days to provide me with documentation used, name of the person spoken to, signed application with consumer wet ink signature giving permission to have said items be reported. I am not asking for an E-OSCAR report or E-OSCAR documentation. If consumer reporting agencies ( Experian, XXXX, XXXX ) does not have documentation showing that these were in fact authorized by me, ( the consumer in fact ) it must be removed asap. The consumer reporting agencies companies are liable under the U.S. Securities and Exchange Commission to follow certain rules. 

See attached
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (FL)

I recently reviewed a copy of my credit report on XX/XX/2020 noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit
Consumer complaint received 2023-05-29
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and fix them immediately in my report : SXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-02
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. (NY)

I have not yet approached the company about this as I hadn't the time as of yet but we will get around to it before the week ends. As is our long time personal experience with this this company, they are difficult to deal with at best so we thought it was best to deal with this simultaneously. 
The mortgage loan was placed on a forbearance for the Pandemic, as many people were doing with mortgages. I was forced to take a cut in salary for a few months as many were if they didn't outright lose their jobs and my XXXX  is on XXXX. We were technically on one income. 
We went into it in XXXX of 2020. We were on it for over a year and a half as we were granted a few extensions etc. When it was time to go back to paying we had a very hard time as this company refused to give us a straight answer on what our payment was going to be. We finally got back on track after a lot of negotiating and back and forth and agreed to terms, accepting the modification. At no time during all of this were we informed by this company that we were going to considered late and marked late on my credit report. Never did we expect this. We were on a forbearance. Period. Hardship that was approved. We just pulled my credit report as I was denied a modest personal loan and discovered that this company actually had me marked late. They marred my credit.
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 — Account information incorrect
Company: EQUIFAX, INC. (MS)

i notice some inquiries reporting from XXXX and equifax on XX/XX/2020, that i didn't authorized.I had no knowledge of the companies that pulled my report and i requested the CRAs to give me the name and contact information of all the companies that check my credit without my permission.i has attached copies o the letters below.
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.