davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 3 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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX XXXX {$1200.00} ; XXXX XXXXXX/XX/XXXX ; Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2019, I attempted to get an auto loan quote through XXXX which I am a member for banking services and insurance. After providing the required information, I was told that XXXX would run a credit check through Experian for myself and my wife. While XXXX was able to receive information about my wife 's credit history, XXXX stated that Experian stated it was unable to verify my identity. I attempted to contact Experian to find a solution in getting my identity verified for XXXX via their number on the website XXXX and other numbers found online at XXXX, XXXX, XXXX. I was unable to talk to anyone in person regarding this as many of the numbers only had robocall functions. There were no options to get to talk to a live person. 

On XX/XX/2019 I received an email telling me to check myidcare ( credit monitoring service provided by the federal gov ) that my credit had been checked. I saw that myidcare listed a credit check even though Experian was unable to verify my identity.
Consumer complaint received 2023-02-17
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. (NC)

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX -- -- IDENTITY THEFT! 
XXXX XXXX XXXX -- -- IDENTITY THEFT! 


UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-11-18
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 been disputing with credit reporting agencies of XXXX XXXX XXXX account for the amounts of XXXX and XXXX. I 've been a victim of fraud for about 10 years and every year, I am fighting battle of accounts that not mine. XXXX and the credit reporting agencies refusing to show me my signed signature opening an account or proof of my identity opening this account.
Consumer complaint received 2023-02-16
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 am concerned because my credit report has discrepancies that are continually being reported and damaging my credit score. I have highlighted all these discrepancies. I am being denied credit due to this false information. I have asked Equifax to remove this information but they are ignoring me or sending me correspondence not addressing this matter.
Consumer complaint received 2023-02-16
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. (GA)

In accordance with the Fair Credit Reporting Act 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 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.
Consumer complaint received 2019-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: LendUp Loans LLC (RI)

I responded to an offer for a credit card. The offer stated {$75.00} fee for 500 in credit. I accepted and used the card once in XXXX with a purchase of {$65.00}. I then tried to use it and was told the card was restricted. I called but was unable to get a reason for the restricted status. I never received a bill or an explanation and when checking my credit report there was a delinquency and an amount due if {$200.00}. I am disputing the amount owed
Consumer complaint received 2023-10-23
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. (CA)

On XX/XX/2023 I submitted a complaint against Trans Union about inaccurately reporting an account ( XXXX ) on my credit report. On XX/XX/2023 Trans Union sent me a response saying XXXX is now deleted from my credit report. Now as of XX/XX/2023 Trans Union is still reporting this false account on my credit report after claiming theyve deleted it. On XX/XX/2023 XXXX credit gave me a report of information stating Trans Union is still reporting the XXXX account on my credit report. This is a clear violation of the federally protected FCRA laws. According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report. Additionally, as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ) ;, you are liable to me for statutory damages for your misconduct, in addition to your deletion of the disputed account mentioned, you are demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX issued, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowed period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) DELETE the account in dispute, ( 2 ) send a updated copy of my consumer file, ( 3 ) send me the {$1000.00} check to my mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ). 

THIS IS NOT AN OPPORTUNITY TO RE-INVESTIGATE ANY DISPUTE. 

I will provide documentation to support my claim of Trans Unions misconduct. 

Within 14 days of receiving this letter/complaint Trans Union must - ( 1 ) REMOVE THE ACCOUNT MENTIONED FROM CREDIT REPORT, & ( 2 ) SEND {$1000.00} CHECK TO XXXX XXXX FOR VIOLATING FCRA 15 USC MAKING TRANS UNION LIABLE TO ME FOR STATUTORY DAMAGES. If Trans Union fails to do so within 14 days of receiving this letter/complaint I will be filing a lawsuit against Trans Union for EVERY Fair Credit Reporting Act violation committed by Trans Union towards me.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NM)

I checked my credit report and saw a card I was not aware of on my report. I called and Dillards said that someone had opened an account with my social security number. They are closing the card. I am submitting this complaint because it was not clear if the card would be taken off my record and I want to make sure that happens.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have two Bank of America credit card and I am not using them because of the difficulties I have had with these Bank of America liars in the past. Although I still have the cards and did not send them in because I understood that if you closed the account this would hurt my FICA score. However Bank of America lowered my credit limit and reported this to the credit bureaus which had them lower my credit score/rating. I have paid the Bank of America Credit card off in full and by their actions of saying they have reduced my credit limit my XXXX went down. Is there any way I can correct this bogus action by Bank of America?
Consumer complaint received 2023-10-23
Product: Credit reporting 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. (WI)

On XX/XX/2023 I received notification that a hard inquiry hit my report Via XXXX XXXX. I contacted the company to let them know that I did not authorize the inquiry, and I was told that I would need to wait 5 days until it could be reversed. I continually tried to call the company until I was told I would have to dispute with the credit bureaus. When I disputed said information to Transunion and requested validation, I would receive a response that the information was validated. On XX/XX/2023 I sent correspondence to the company requesting validation, according the Fair Credit Reporting Act I am entitled to be shown an original contract bearing my wet signature authorizing this transaction.
Consumer complaint received 2023-02-15
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. (NC)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2023-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NY)

On XXXX/XXXX/3023 I've rwcieved an email regarding a change to my XXXX consumer report. Upon checking I noticed that the company by the name of XXXX XXXX XXXX had unlawfully place a collection account on to my report. Per law I'm requesting that this company provides me with notice of validation of debt pursuant to 12 CFR 1006.34a ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication ; which this company didn't do. Pursuant to 12 CFR 1006.34c ( 1 ) DEBT COLLECTOR COMMUNICATION DISCLOSURE.1. Statement required by 1006.18 ( e ). The statement required by 1006.18 ( e ) .Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ). The following example illustrates the rule : i. ABC debt collector has an initial communication with the consumer by telephone. Within five days of that initial communication, ABC debt collector sends the consumer a validation notice using Model Form B1 in appendix B to this part. ABC debt collector has complied with 1006.34 ( c ) ( 1 ) even though Model Form B1 includes the disclosure described in 1006.18 ( e ) ( 1 ) rather than the disclosure described in 1006.18 ( e ) ( 2 ).
Consumer complaint received 2019-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (IL)

We just refinanced with United Wholesale Mortgage and it has been nothing but a cluster of goofups on their behalf since the get-go. 

We have not even made the first payment and we have been insulted, ignored, and belittled by the employees/CSR 's of the company. From not having calls returned to being told that the statement they emailed and US mailed to me doesn't exist.

They sent me a statement dated XX/XX/2019, this was never received until I requested a statement in mid-June. They emailed it to me and like magic, it also showed up via US mail two days later. The letter, which they cant find, states that I am responsible for paying my property taxes. When I am escrowing them. Every call I make to resolve this matter, the clerk says I am escrowing the account, no one can find or explain the letter and no one is willing to provide a corrected letter/statement.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Consumer complaint received 2023-07-19
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. (VA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX of XXXX, XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-24
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

A few months ago, I was approved for a trial payment plan. I had previously submitted a partial payment to Wells Fargo Home Mortgage ( WFHM ). When making my first trial payment, I made the wrong assumption that the partial payment could be included as part of the first payment. Due to that error on my part, I was removed from the trial plan and review for assistance. I had to start the process over to be reviewed for assistance again. My request was denied and I was only approved for a short sale. Per the letter that I received, I was ineligible for a Repayment Plan. I agreed with that decision. Additionally, I was ineligible for a VA Affordable Modification or a VA Loan Modification due to having reached the allowable number of modifications per VA guidelines. As a result, I contacted the VA. Via email, I received guidance that the VA would waive that rule if WFHM requested a waiver. I sent that email along with an appeal request form to WFHM. Today, I received two letters from WFHM. The first one stated that they were reviewing their decision in response to my appeal. The second letter, dated a day later, stated that they had determined that I still do not meet the requirements for payment assistance. The letter further states " We will continue to work with you to help you avoid a foreclosure sale. '' I was deemed ineligible due to a VA guideline. The VA agreed to waive it, but WFHM denied my appeal, which is the opposite of helping me.
Consumer complaint received 2023-08-23
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: CL Holdings LLC (CA)

In accordance with the Fair Credit Reporting act XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX # XXXX XXXX ) JEFFERSON CAPITAL SYST XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) JEFFCAPSYS # XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX ) JEFFCAPSYS # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions COMPANY DOES NOT HAVE MY AUTHORIZATION. COMPANY NEEDS TO DELETE THEIR REPORTING ON MY CREDIT REPORT.
Consumer complaint received 2023-08-17
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. (MI)

I filed a dispute with Experian on or around XXXX XX/XX/XXXX for a XXXX XXXX account/tradeline. Experian acknowledges processing the dispute and claims itts " investigation '' was completed on or around XXXX XX/XX/XXXX. The results of the dispute say " DISPUTED ITEM NOT LISTED ON CREDIT REPORT '' and shows Experian conducted an automatic update of information from XXXX XXXX. This is NOT a substitute for an investigation. From p. XXXX of the attached docuentation XXXX XXXX states as follows for the account number ( s ) : " When a loan charges off, the account number is changed as the information is moved to a different system of record. The updated loan account will show on your credit profile ending in XXXX. '' Now, my dispute with experian was regarding an account that was wrongfully charged-off by XXXX EFS due to their misapplication of my student loan payments and a mishandling of an approved forbearance and subsequent deferment that enabled XXXX XXXX accounting and billing systems to continue to mark payments as late during periods were made and/or forbearances and deferments were in effect. It is during such times that XXXX XXXX ceased generating billing statements. All I am trying to do is have the the CO status and late payment history, and derogatory narratives removed because the informattion is false and/or misleading under 15 U.S. Code 1681e. In this context, the information reported need not even be " false '' but may equally be " correct '' information that gives a materially misleading impression ( see : XXXX  v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). As such, to ensure maximum accuracy under the FCRA, it is incumbent upon Experian to change the affected periods to Not reported/NR, and to remove any and all derogatory payment and account status narratives.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

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 knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-08-23
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: SYNCHRONY FINANCIAL (IN)

I have explained to the creditors before that I didnt recognize these items on my credit report and that my identity had been stolen at one point about two years ago. I have also submitted disputes and they still have not removed any of these items. As they can see I have had fraud alert on my ssn for a very long time due to the situation of my identity being stolen. These inquiries are fraudulent and I would like them removed!