davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
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 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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 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 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MT)

I contacted XXXX, Equifax, & XXXX  verbally and in writing requesting them to add positive credit history that was not being reflected in my credit report. The following information & documentation was provided to all three ( please refer to the attachments ) and as of todays date they have not replied to my request or respond to my request.
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (MT)

Dear CFPB, It has come to my attention that there is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error, nor is it my request to block being made on the basis of material misrepresentation of the fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of notice. I look forward to your response. 
XXXX XXXX XXXX
Consumer complaint received 2023-07-20
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (FL)

Mortgage Underwriters mis-interpreted a guideline regarding furniture that was being conveyed with the subject property. The addendum with the contract stated that buyer and seller agree that furniture conveys with the property. It was not offered as a concession by the sellers nor was a price stated or requested from the buyer. The seller 's simply did not want to keep the furniture and have to move it. They decided to just sell the house with the furniture in it at no assessed value whatsoever. The Underwriter requested a separate appraisal of all furniture items with pictures and valuations for each last minute, a week before closing. The MLO called the VA directly to confirm if this was needed. The VA guidelines and appraisal department stated, that due to the furniture not being listed or included in the appraisal report, a second appraisal or valuation is NOT allowed as it would be an additional cost to the VA buyer and could also delay their closing. Being that the furniture is not included on the report or the sales value of the home, the VA stated that it is irrelevant. When the MLO shared this information with Underwriting management, they responded stating that the VA 's guidance was incorrect and that they had to go by their internal company guidelines. The MLO followed up stating that those are just internal guidelines with lender overlays, the VA set the actual, federal guidelines. The Underwriting manager responded stating that this would be a GNMA requirement as the secondary investor. According to the VA, neither the lender nor investor can require this of the client. I find it puzzling that GNMA wouldn't follow the guidelines set by the VA. As a result of all this, the file 's closing was delayed and according to the VA , puts PNC Bank out of compliance. Please look into this. Thank you.
Consumer complaint received 2023-11-11
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Village Capital & Investment LLC (CA)

New Account XX/XX/2023 A new account has appeared on your credit report. 

VILLAGE CAPITAL AND INVE XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV, XXXX This new credit account was not open by me and it caused a decrease in my credit score
Consumer complaint received 2023-11-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely XXXX and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.
Consumer complaint received 2023-09-05
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2023 I send a dispute letter to Experian. I received a email from Experian on XX/XX/2023 saying they don't believe that I sent my dispute Letter and also said that i can dispute these items online with them. Where in the FCRA does it say that I have to dispute online?
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

on XX/XX/XXXX i received a call from a credit collector stating that i owed XXXX dollars into a close account to make a payment. i thought this was someone trying to scam me until i proceeded to the bank in which the credit was opened they confirmed to me that an account was opened XX/XX/XXXX under my name and that account was charged off and sent to collections. 

I have tried to dispute this twice with no luck The account has an address that i have never lived on Also the card that was opened under my name has one last name and i have two last names Which i have in all my personal documents including debit cards and government ids.
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo internal complaint reference number : XXXX I applied a Wells Fargo credit card in branch on XX/XX/XXXX. They declined my application for one sole reason : Not a permanent resident. ( I have 2 mail letters from them as evidence and numerous contact records as evidence. ) The truth is : I AM A PERMANENT RESIDENT. My old green card expired on XX/XX/XXXX. I filed for a new card on XX/XX/XXXX. ( The U.S. Citizenship and Immigration Services ( USCIS ) rule is that you can not apply for a new green card any earlier than 3 months before your current card expires. ) I received a XXXX letter from USCIS to extend my permanent residency till XX/XX/XXXX. After that and before I get the new green card, if I need to travel I will need to go to USCIS local office to get my passport stamped. USCIS has a long waiting period for each case to be handled. The current processing time to get a new card is 17.5-19 months. ( Please check at https : //egov.uscis.govXXXX XXXX XXXX ) XXXX is a US government issued letter to extend permanent residency. It is legal and mine is not expired. Upon receiving Wells Fargo wouldn't acknowledge my XXXX as a proof of my permanent residency and made a wrong statement that I am not a permanent resident.
Consumer complaint received 2024-01-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: General Motors Financial Company, Inc. (TN)

On XXXX XX/XX/XXXX, my brother XXXX XXXX called me and asked if I would cosign for him a vehicle with GM Financial a.k.a. XXXX XXXX because he couldn't get it with his score being so low. I said yes and was immediately put on the phone with the sales rep who was selling my brother the XXXX XXXX XXXX. The rep said his name but said it so fast that I didn't catch it and he immediately asked me if I had a valid driver 's license, asked for my social security number, address, phone number and name. He asked me if he could run my credit to be a cosigner for my brother 's purchase of the vehicle? I told him to run my credit and that was all we discussed. My brother and his girlfriend were in the dealership waiting and the sales rep left the room to run my credit ; upon his return he told my brother that my credit was good enough for him to purchase the vehicle. I received a sales contract via letter mail on XXXX XX/XX/XXXX, and the contract was per-dated for 3 days earlier XXXX XX/XX/XXXX when my brother was initially in the dealership. There were no stickers, arrows or highlighted sections of any kind on the contract indicating where I should sign but I did sign the contract and send it back to XXXX XXXX. 
-During the months of XXXX XXXX dealership kept calling me for payment XXXX XXXX dealership states payments not being made on time XXXX XXXX vehicle sent to collections XXXX XXXX vehicle repossessed XXXX XXXX sent letter stating the intend to sell vehicle at auction XXXX XXXX XXXX requested copy of original contract from dealership XXXX XXXX XXXX received illegible copy of contract from dealership XXXX XXXX XXXX got original contract from my brother XXXX XXXX XXXX noticed that dealership has me listed as buyer and not cosigner -Once dealership found out that I disputed the account via XXXX and XXXX as fraud, they sold the debt to XXXX XXXX. 
XXXX XXXX XXXX XXXX contacts me stating the purchased my debt and they are requesting debt be settled with them
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I purchased a XXXX ( precious stone ) from an XXXX vendor based in XXXX. Unfortunately, upon receiving the merchandise, I found it to be significantly inferior to what was depicted on the vendor 's webpage on XXXX. Following this discrepancy, I promptly contacted the vendor, who agreed to a refund upon returning the merchandise. Subsequently, I utilized USPS registered mail to return the item. However, despite providing evidence of the return and my correspondence with the vendor to Bank of America ( BOA ), they have denied my dispute of the {$930.00} charge associated with the purchase. BOA initially requested information regarding the return, which I promptly faxed to them at XXXX upon receipt of their request on XX/XX/year>. Despite my efforts to comply with their request, BOA has dismissed my dispute without considering the evidence provided. I am seeking a refund of the disputed amount of {$930.00}, along with an additional {$39.00} to cover the postage expenses incurred in returning the misrepresented item. Please find attached the relevant documents for your review. Sincerely, XXXX XXXX
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-03-11
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. (KY)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end XXXX XXXX XXXX as late for any purpose. 

Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all show inaccurate payment history throughout all credit reporting bureaus and for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I havent received a 1099c a cancelation of debt. Therefore the accounts are providing in accurate information and I would like it removed from my credit report.
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (CA)

My credit was fraudulently used by another person that was not me. This person made charges towards my XXXX XXXX account. When I called XXXX I asked what had happened and they said my address and the name on the account was changed. This person made over {$3000.00} dollars of fraudulent charges on my XXXX XXXX account. This person managed to also change my address.
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME FRAUDULENT ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND PROGRESSING INTO THAT THE FUTURE THAT I HAVE PLANNED FOR MYSELF IS NOW AT A STANDSTILL. 
PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION.
Consumer complaint received 2024-03-11
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. (KY)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. 

Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, and discover bank all show inaccurate payment history throughout all credit reporting bureaus and for XXXX XXXX, XXXX XXXX, and XXXX  XXXX I havent received a XXXX a cancelation of debt. Therefore the accounts are providing in accurate information and I would like it removed from my credit report.
Consumer complaint received 2022-10-20
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 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 and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX and TransUnion both refused free annual credit report. Called toll free help line and no help just phone tree loop. Requested free annual credit report from the 3 bureaus and only XXXX gave me a report. Request made XX/XX/2023 XXXXCST.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (CA)

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX Balance Owed : {$200000.00}
Consumer complaint received 2024-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION (MN)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.