davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : XXXX XXXX XXXX
Consumer complaint received 2023-02-01
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: FIFTH THIRD FINANCIAL CORPORATION (GA)

Hard inquiries were pulled on my credit report that I didnt not authorize or give permission to be ran by. Those companies are : XXXXXXXX XXXX XXXX XXXX XXXX Fifth Third Ban, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Those companies have ran my credit across all 3 major credit bureaus : XXXX, XXXX and XXXX XXXX.
Consumer complaint received 2022-11-26
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-01-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have applied for Loan Modification for my house at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but they stated that they can not approve it because I dont have a default payment. Wells Fargo CSR told me not to pay my mortgage payment in order to have a default payment and get approved. However, when I started not to pay my mortgage, they always telling me to wait and faxed them some documents. Every time I called them, they stated that its not approved yet and asked for more documents as they did not receive it since I faxed it inside Wells Fargo Bank. Until I missed paying 8 months, then they told me that they will foreclosure my house on XX/XX/XXXX. 
My sister told me that she knows a Real Estate Agent by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who handle Loan Modification through their Attorney. I negotiated with them and paid them. They wrote a letter to Wells Fargo and they gave me a trial period of three months, paying {$1900.00} to Wells Fargo to avoid the Foreclosure. I started paying WF on XX/XX/XXXX ; however, Wells Fargo returned our payment for XXXX as they told me that the house was foreclosed. My attorney tried to negotiate but he failed. Wells Fargo foreclosed my house on XX/XX/XXXX.
Consumer complaint received 2023-01-07
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. (LA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2023-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2023-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (MN)

I called the company and they sent the documents i will attach below XX/XX/XXXX the credit card was paid off and closed the account XX/XX/XXXX taken to collection without being sent any bill for more than a year Or any amount owed showing on my credit report
Consumer complaint received 2023-01-08
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: Clark County Collection Service (NV)

I submitted XXXX disputes on XX/XX/22 then again in XX/XX/22 via certified mail which were both received and within that dispute packet I included my identity verification docs, a police report from XXXX XXXX Police department because there were some accounts on my credit that I had no knowledge of, as well as errors that needs to be removed IMMEDIATELY! 

All the accounts that were listed on my police report remained the same with XXXX. The other XXXX bureaus found there were fraudulent and also fixed the errors. 

This is my third attempt to get XXXX to thoroughly review my credit report and remedy the issues, or I'm going to have to pursue legal actions because they are not abiding the FCRA laws. 

I will continue to document my efforts until these fraudulent charges and errors are removed.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

To Whom It May Concern : The following accounts was charged off on XX/XX/2020. Since then, the account has been repeatedly reporting as a charge off every month. This is an update in the payment history which to my understanding charged off accounts should not have an active payment history. This also falsely manipulated the statue of limitations. I am demanding a deletion of the following accounts : XXXX, XXXX, and XXXX. Best Regards, Also I was told that my complaint was solved and closed already, but I have no documentation nor any information on why its still showing up on my report
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (GA)

XXXXXXXX XXXX XXXX I experienced credit card theft. I alerted First Progress of this event and they removed their late fees and the fraudulent charges associated with the theft. However, they never updated my credit report as they stated they would in this type of situation. I was told that the back office sends this information to the credit bureaus when theft occurs. It's been over a year and it's still showing. On several occasions I have requested that this information be updated with the credit bureaus to remove the false late payment they have reported. Per their instructions I have written, mailed, and faxed my request. I was told the fax was never recieved, even though I have the confirmation that it went through successfully. Their customer service representatives are very rude and unhelpful. I need assistance removing this late payment off my reports bc it's severely affecting my credit rating. I have made every effort to have this corrected. Additionally, I paid the false charges to ensure I didn't recieve a second late payment charge. I've been told that the overpayment was refunded ; however, I haven't recieved it and advised them of such. They stated it was never returned and to request the payment again. I have sent that request as well and haven't recieved my refund. Please assist me with this matter.
Consumer complaint received 2023-01-08
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. (AL)

In accordance with The Fair Credit Reporting Act XXXX  account # XXXX for XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (CA)

In accordance with the fair credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMME
DIATELY!
Consumer complaint received 2022-12-03
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. (NJ)

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-08
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. (FL)

My student loan XXXX XXXX On my credit profile for my student loan it states that I was 90 days late but there's no 30 day or 60 day reporting on my payment history for XX/XX/XXXX and XX/XX/XXXX. This is inaccurate information and improper use of my credit report
Consumer complaint received 2023-01-08
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. (AL)

In accordance with The Fair Credit Reporting Act XXXX account # XXXX for XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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: Experian Information Solutions Inc. (FL)

I have tried multiple times to have these items stricken from my Credit Report with Experian, XXXX and XXXX. 

Experian is still showing the Federal Student Loans that were transferred to XXXX and forgiven under XXXX XXXX XXXX XXXX ( documentation attach with XXXX loan balance ). 

XXXX is the worst. They have duplicate Student Loan Information. One for XXXX XXXX XXXX and the same that was transferred to XXXX. This is incorrect. They are duplicating a loan that was closed under XXXX XXXX XXXX XXXX for which I have attached documents from online account and a letter I received recently. 

The last is XXXX, that reflects the XXXX XXXX ( XXXX ) and who blocks me from disputing or submitting a valid dispute for the erroneous information online under my rights under the FCRA. 

The XXXX Bureaus have been contacted multiple times even through your agency and they STILL refuse to correct the problem for which the dispute has been active more than 30 days. As a result of the duplicate reporting and erroneous data, they have negatively affected my credit where creditors have reduced my credit limits or closed my accounts. 

This is in direct violation of the FCRA. They are not fixing the problem although I have given them the evidence. I have waited long enough to have this fixed and these bureaus do what they want and ignore the facts. They report wrong and are continuously negatively affecting my credit.
Consumer complaint received 2023-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION ()

My situation is that the fifth third bank is charging me {$690.00} and I have never had a bank account with fifth third bank. 
The only bank that I have always had has been XXXX XXXX XXXX.
Consumer complaint received 2024-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NY)

about a month ago I lost my phone and Wallet on. A trip to VA. Someone found both and began using my phone, apps, and bank accounts as if they were me. I returned home and reported it to chime. Altogether the money stolen from me was just under {$2000.00}. I disputed the charges ; I was told it had to be done in XXXX parts since some charges were still pending. They denied my claim twice- I provided a police report which verified that fraudulent activity had taken place ; they reopened the disputes then credited me for the first part for {$640.00} and then I was told that Id be receiving the next part which was {$1100.00} on XX/XX/XXXX. Last night I received an email stating that my dispute was denied which doesnt make any sense because although it was done in XXXX parts, it is still XXXX dispute so to approve XXXX of it and not the other half makes no sense its all the same situation. It was all done by the same person, not to mention the police verify this in the police and even arrested and apprehended someone, how can they say the police are lying if someone was arrested for committing his crime and fraudulent using my account who is chime to say that are lying? They are extremely unprofessional and hardly speak XXXX. I keep getting misinformation from everyone I speak to which seems to be someone from a different country every day. Nobody knows anything. Nobody understands what youre saying nobody needs to help you and when you speak to Supervisor, it doesnt make any difference either for the past few hours Ive been trying to reach a supervisor on the dispute side and every time I request a supervisor I get put on hold and they hang up on me. This literally has happened XXXX times in the past XXXX hours, so I know its purposely done. They are so unprofessional its disgusting at this point theyre robbing me of my funds that I need my money back. Regardless of the outcome of this claim they need to have their rating dropped for the way theyve treated me its horrendous
Consumer complaint received 2023-01-08
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. (FL)

Between XXXX I have been sending dispute letters regarding accurate reporting for certain accounts. By law, because you have reported these inaccuracies on my credit report and I have sent you a letter regarding this matter you should remove the account reported. It has hindered me from attaining a home loan and has ruined my reputation. 

The companies have either neglected to respond or responded with updated information instead of deleting the inaccuracy in which there are required to delete. The damage is already done to my credit. They have reported Charged off Accounts that have not only been fully verified but also remarked as charged off, but appears to show a Past due balance, inaccurate dates, and incorrect amounts owed.
Consumer complaint received 2018-10-10
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I applied for a VA loan through USAA, on XX/XX/2018for a home that was {$130000.00}. As I was working the process of the loan the home, I changed to a different house that cost {$130000.00} on XX/XX/2018. On XX/XX/2018 the VA sent USAA a copy of the certificate of eligibility stating that the total cost of the house has to be above {$140000.00}. After I paid to USAA {$440.00} for an appraisal, and the housing inspector {$280.00} on the XX/XX/XXXX. On XX/XX/XXXX, USAA mortgage processor contacted me and said they couldnt go ahead with the loan. Stating that the loan needed to be above {$140000.00}, so she raised the price of the house to {$140000.00} and sent me that part of the contract to sign. I questioned her actions and called the VA. The VA said that yes it has to be over {$140000.00} for the total loan not just house. Stating that the VA funding fee and any other expenses could be included. I asked about the energy efficiency upgrades, she stated as long as the total loan is above {$140000.00} than Id be fine. When I contacted the processor and let her know that those can be added to the total cost and that will get it above the {$140000.00}. She said shed work it and she sent another contract with the total cost at {$130000.00}. The USAA processor called me on XX/XX/XXXX, and said that the loan was denied and I needed more documentation to support documentation that was sent. When I asked her about getting the appraisal and inspection fees returned she said no because those are non refundable because the work was done. I questioned why wasnt I notified that it had to be above {$140000.00} prior to paying those fees she didnt provide answer. When I asked why not just add the energy efficiency upgrades to the loan, she said it was a new house, and that it doesnt need energy efficiency upgrades. The house comes with non energy efficiency appliances and still need a refrigerator. Later that day gave her additional supporting documents. She responded with and email stating that the difference in the {$130000.00} and {$140000.00} is only {$50.00} a month. To me it seems that it taking an additional {$9000.00} from the VA and paying it to USAA.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Between XXXX I have been sending dispute letters regarding accurate reporting for certain accounts. By law, because you have reported these inaccuracies on my credit report and I have sent you a letter regarding this matter you should remove the account reported. It has hindered me from attaining a home loan and has ruined my reputation. 

The companies have either neglected to respond or responded with updated information instead of deleting the inaccuracy in which there are required to delete. The damage is already done to my credit. They have reported Charged off Accounts that have not only been fully verified but also remarked as charged off, but appears to show a Past due balance, inaccurate dates, and incorrect amounts owed.