davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (TN)

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$650.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (CA)

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, EQUIFAX, AND 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, CA XXXX XXXX XXXX  XXXX XXXX Balance - ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX Balance XXXX ; XXXX/XXXX  XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX  XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2023-03-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (VA)

XXXX XXXX XXXX ( Registered Nurse ) and property owner of XXXX XXXX XXXX XXXX, VA XXXX does not desire to withdraw her consent agreement with the U.S. Department of Health & Human Services HUD against Wells Fargo Bank , N.A . on the basis of XXXX XXXX  towards XXXX XXXX lenders in a housing case. She further states the following : XXXX. XXXX XXXX XXXX initiated a mortgage loan application with Wells Fargo Home Mortgage in approximately XX/XX/XXXX and her assets were many and included but is not limited to a checking account with greater than {$8000.00} after paying fees such as land surveys, perk testing, building permits, driveway/entrance, etc. that totaled greater than {$2000.00}, a line-of-credit with Virginia XXXX XXXX that had been unused for the amount of {$15000.00} and could be increased to {$50000.00}, a land loan from Virginia XXXX XXXX that she was pre-approved for in the amount of {$12000.00} that she subsequently closed or turned down after being offered a line-of-credit with Virginia XXXX XXXX, and a personal loan for {$5000.00} that at the time was under {$4000.00} and only was utilized to establish credit in addition to the many credit cards and car loan she had. Wells Fargo Home Mortgage approved XXXX XXXX XXXX solely for a mortgage loan of {$200000.00} in addition to all of the other established credit history XXXX XXXX XXXX possessed. 

XXXX. XXXX XXXX XXXX has evidence that her construction contract once finalized came in at approximately {$150000.00} with XXXX XXXX XXXX paying some expenses out-of-pocket and/or agreeing to credits for other things. The mortgage contract XXXX XXXX XXXX signed was for {$160000.00} and this surplus amount is in excess of {$10000.00} with XXXX XXXX XXXX only receiving a check for {$1200.00} at closing. 

XXXX. The mortgage deed of XXXX XXXX XXXX does not permit a trustee ( substitute or otherwise ) to convey the property and the evidence file by XXXX XXXX XXXX in XXXX cases in XXXX XXXX XXXX XXXX, VA clearly shows the XXXX XXXX paid the clerk 's office $ XXXX to change the deed. ( See attached documents ) XXXX. Reinstatement further states that a borrower XXXX prevent a sale by appearing with cash, certified check, etc. to recover property and when XXXX XXXX XXXX filed a case against the Substitute Trustees and their attorney ( s ) in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX also appeared after the sale was cancelled with cash. In XX/XX/XXXX, XXXX XXXX XXXX was involuntarily detained for having too much cash in her possession and further for being on foreclosed property with no proper documentation presented. 

XXXX. There is no evidence that XXXX XXXX XXXX posed any financial hardship to Wells Fargo Bank. Wells Fargo discriminated against XXXX XXXX XXXX.
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request to update he following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter in regards to the following accounts which are showing up on my credit report : XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX XXXX  XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account , XXXX XXXX XXXX  XXXX Collection Account, XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account , XXXX XXXX Collection Account, XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX Collection Account, Medical XXXX Collection Account, and Medical XXXX Collection Account. 

I am disputing the accuracy of these accounts on my credit report as I believe they violate several laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Furthermore, I do not recall any outstanding debts associated with the above accounts. Additionally, the addresses listed on some of these accounts are not my current or previous addresses, further raising concerns about the accuracy of these accounts. 

I urge you to investigate these accounts and provide me with a detailed report of your findings. If you are unable to prove the accuracy of these accounts, I request that you remove them from my credit report immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
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: EQUIFAX, INC. (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " XXXX XXXX XXXX  XXXX XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXXXXXX XXXX XM, the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer XXXXay exercise the right to opt out at any time. '' I am opting out of your reporting services.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

unauthorized Hard inquries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete other names XXXX XXXX XXXX Accounts Affected by the XXXX
Consumer complaint received 2016-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have been harassed by Natinstar reps on my cellphone and business everyday, till XXXX for the last two months claiming my mortgage is late and after follow up with their customer service they confirm that I am not late, and am current and my next payment is due in 30 days yet those phone calls do n't stop.
Consumer complaint received 2023-05-24
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. (FL)

i requested the companies to remove inaccurate and unfair information from my credit report. these late payments appearing are not accurate. i requested for the companies to investigate the late payments since they were negatively affecting my credit worthiness for the worse. 
also i asked them to remove any old and inaccurate addresses as well that i am unaware of or not associated with
Consumer complaint received 2017-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST HORIZON BANK (OR)

I called the bank to close my account in  XXXX  of  XXXX  ( I do not have the date on me now, but I can access it via phone records ) while the balance was {$0.00}. I found later that they never closed the account, and assessed fees for inactivity. I assumed it was an honest mistake.  <P/> I called again on the  XXXX  of  XXXX , I asked that the fees be refunded and that the account be closed as it should have several months prior. The fees were refunded, but the account was n't closed as I was told it was. I have email proof of the refund on that date ... BUT.  <P/> On the  XXXX  of  XXXX , I received another notice that the account was assessed fees for no activity in the account. It appears for a second time that I was told over the phone my account was closed, and they ended up not closing it.  <P/> This appears to me to be a deceptive practice in order to try to assess fees for account inactivity, when I have tried now multiple times to close the account when the balance was initially at {$0.00}.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (VA)

In XX/XX/2018, I, XXXX XXXX XXXX ( XXXX XXXX ) hand-delivered a certified check, reinstatement application and other documents to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX verified that the check was cashed and provided proof of such. As of the current, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is denying receipt of a check, application for reinstatement or otherwise from XXXX XXXX XXXX ( XXXX XXXX ) and has not reinstated her license. The check was deposited into a Wells Fargo account and XXXX XXXX XXXX ( XXXX XXXX ) is requesting that Wells Fargo provide a copy of the check and how the monies were utilized as well as open an inquiry against the XXXX XXXX XXXX XXXX  XXXX for embezzlement of funds as it pertains to a professional license and/or employment. Fingerprints accompanied this application. There has been evidence existing since the present that XXXX XXXX XXXX should not be marked " deceased '' or otherwise.
Consumer complaint received 2022-02-01
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax XXXX XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX XXXX : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance XXXX {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX XXXX Balance : {$5200.00} XXXX XXXXXXXX Balance : {$1100.00}
Consumer complaint received 2024-03-24
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. (MD)

I recently reviewed my credit report and noticed somethings that is not reporting accurately. I've had late payments that were in fact paid on time. Consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date XX/XX/year>. I am now requesting you investig with records showing i have late payments and provide verifiable proof. If this information can not be verified I demand these payments to be updated to paid on time immediately! Thank you for your understanding and prompt action.
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-05-31
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. (PA)

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX ) Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]