davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to EquifaxCredit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax Credit has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2023-01-22
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. (NY)

I have no knowledge of these collections account on my credit report I believe their are multiple accounts in collections on my report I never had any business with I dont know who they are XX/XX/2023 last reported XXXX XXXX XXXX {$1100.00} Amount XX/XX/XXXX Placed in collections XXXX XXXX XXXX {$600.00} amount XX/XX/2023 placed in collections last reportedXX/XX/XXXX in collections XX/XX/XXXX last reported {$3300.00} amount I have no knowledge of these accounts s in collections never saw them XX/XX/XXXX{$380.00} amount XXXX XX/XX/XXXX last reported {$760.00} amount Placed in collections XXXX XX/XX/2023 last reported {$840.00} Placed in collections
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

I really cant give an exact date however I know on a few occasions I have either deposited or withdrawn money from an Wells Fargo atm and the money was either counted wrong or came out a shorter amount I have called before and it was nothing they could do for me
Consumer complaint received 2022-01-03
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)

I've reached out to Equifax for the last several weeks and was unable to reach anyone that can help me. Equifax has continued to restrict my ability to dispute inaccurate information online. When I call in I get transferred around and have gotten no service and only offered a call back which never happens. Then the agent says I can only speak to OCA in XXXX only which is never available and never returns calls. Im so fed up with Equifax 's discrimination of my credit file and how I'm continually being mishandled by Equifax and its employees. 

I was trying to reach out about a fraudulent account and inquiries listed on my credit file. The following account is a result of my Identity being stolen from and having my information included in data breaches : 1. XXXX  XXXX ( account ending in XXXX ) Fraudulent Inquiries : 1 XXXX XXXX XX/XX/2020 2XXXX / XXXX XXXX XX/XX/2020 3. XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2021-08-01
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. (GA)

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX  : Account number : This account is inaccurate. 

XXXX XXXX : Account number : I dont remember having a charge-off. 

XXXX  : Account number : Inaccurate/ Incomplete/ Unfair/ Unverified Items.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2021-08-01
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. (TN)

My protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.
Consumer complaint received 2017-08-01
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: CCS Financial Services, Inc. (CA)

Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract. FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : Credit Control Services No account # listed Bal {$270.00} XXXX XXXX Acct # XXXX Bal {$2900.00}
Consumer complaint received 2021-12-14
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (FL)

I've been working to resolve this issue since 2020. Ive sent communication letters to the creditors, and credit bureaus about me being a victim of identity theft. My information was involved in a few data breaches which resulted in true name fraud. Even with my taxes. To prevent that from happening again with IRS, I have an XXXX  on my profile. As far as credit reporting, nothing stops the false reporting. This is preventing me from actually being able to fulfill my ongoing dreams, investments, and credit dreams.
Consumer complaint received 2020-06-08
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: Experian Information Solutions Inc. (IL)

I have contacted XXXX  and Experian on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. I am seeking removal of all incorrect or outdated personal information being reported on my credit file. The account that XXXX continues to report is XXXX XXXX and Experian is reporting XXXX XXXX XXXX and XXXX XXXX XXXX. Again, I must say these account does NOT belong to me. Ive sent in my FTC Identity Theft report along with my dispute letter for review but this account is still reflecting on my credit report.
Consumer complaint received 2022-05-27
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: Avant Holding Company, Inc. (NJ)

I was alerted by XXXX identity theft protection that a CC account had been opened in my name and SS # on XX/XX/22. The account was detected by XXXX. The account was open with AvantLLC/web bank ; account XXXX. 
I followed up with Avant bank with the help of XXXX. Avant- has agreed to look into the matter.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. The Experian Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX  XXXX XXXX )
Consumer complaint received 2023-01-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Diversified Adjustment Service, Inc. (NC)

They have not remove these negative debts or collection on my account that I have reported. I have constantly told them that it wasnt mines and they still talking to the third party and still having these unrecognizable charges and collection on my account without my consent.. its messing me up and Im am tired of trying to tell them and they are not fixing it I want them accounts deleted immediately
Consumer complaint received 2023-01-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (NC)

I was informed by my mortage company XXXX Newrez/Shell Point Mortage Loan XXXX XXXX ) that my payments would be increasing on XX/XX/, by {$190.00} per month because of an escrow analysis of my account and the reason was because XXXX who is my mortage insurance and my auto insurance company had sent over a request for the cost of the home insurance and later sent another request for the cost of the auto insurance as well policy # GIC XXXX XXXX both were paid But I pay XXXX {$250.00} XXXX month from a draft from my checking account for auto insurance, I tried talking to them but they say they only got the money they were supposed to have for the mortage insurance and they haung up the phone on my last call. So I asked the mortage company for proof of what they were saying and the sent me an escrow summary report and it shows that indeed XXXX did get the money just as stated and the balance for my escrow account is still in the negative. So they are getting paid twice for the auto insurance and are refuseing to refund my money back to the mortage company so that my house payment will go back down, this is the bases of my compliant but there is much more. I also think this is a violation of my XXXX to privacy for XXXX to send any information about my auto insurance to anyone including my mortage company.
Consumer complaint received 2022-01-03
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. (AZ)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau but to my surprise, I did not receive anything back as a response. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : Account : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance {$320.00} XXXX XXXX XXXX Balance {$36000.00} Employer : 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 2023-01-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

I have revolving acct saving if My checking acct were to get below {$100.00}, they will transfer money from saving to checking so I would not be charged a {$25.00} fees. 
Wellsfargo closed my saving acct without my permission and started charging me {$25.00} fees for my checking account on monthly basis. When I called them, they claim that the offer is no longer available and was terminated by the bank.. This happen prior to 2017. 
This illegal conduct had caused me to pay {$25.00} monthly charges and caused me to pay numerous over draft.
Consumer complaint received 2023-01-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (FL)

My vehicle was repossessed after talking to them and working on my payment with them. Then they made it difficult for me to get my truck back. Then never informed me properly by Florida law that the truck was going up for auction. They say I still owe them money even after they sold my truck.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Dear Sir/Madam, I hope this letter finds you well. My name is XXXX XXXX. We have recently become aware of potential instances of identity theft and fraudulent activities that may involve accounts under your respective institutions.

According to our investigation, we have reason to believe that individuals or entities have engaged in unauthorized transactions and account openings using personal information obtained through illicit means. As per our legal obligations under code 18 U.S.C. 1028A, we are required to undertake thorough inquiries to mitigate any further harm and protect the affected parties. 

Our inquiries specifically pertain to accounts associated with the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We kindly request your cooperation in providing relevant information and assistance in our investigation process. This may include but is not limited to account statements, transaction histories, and any other pertinent records that could aid in identifying and resolving these issues promptly.

Furthermore, we urge your institutions to enhance security measures and implement stringent protocols to prevent similar incidents in the future. Safeguarding customer data and ensuring the integrity of financial transactions are paramount responsibilities that require constant vigilance and proactive measures.

Please acknowledge receipt of this inquiry at your earliest convenience, and feel free to contact us directly should you require any additional information or clarification. We appreciate your prompt attention to this matter and your cooperation in resolving these concerns. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-01-22
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: Experian Information Solutions Inc. (LA)

Hello, I have contacted XXXX, Experian, and XXXX about removing the alleged medical debt under {$500.00}. However, each agency has not done so and refuses to. On top of this issue, two out of the three providers locked me out of my account after my formal request. Please let me know how I can remove these debts and also please hold these companies accountable for their lack of service. Please see what information I was able to access after numerous attempts to contactact/dispute this information. 

Account Number : XXXX Ballance : {$100.00} Alleged Date Opened : XX/XX/XXXX Account Number : XXXX Ballance : {$3.00} Alleged Date Opened : XX/XX/XXXX Account Number : XXXX Ballance : {$44.00} Alleged Date Opened : XX/XX/XXXX 2020
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have previously disputed XXXX XXXX XXXX Georgia XXXX # XXXX with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be DELETED immediately.
Consumer complaint received 2022-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My credit card payment was due XX/XX/2022. XXXX days earlier I scheduled a payment for XX/XX/XXXX on the bank 's online website. I checked all specifics twice to ensure accuracy. Yet, the bank did not process my payment until XXXX day after the due date, on XX/XX/XXXX. Consequently, it charge me a {$25.00} late fee and {$6.00} in interest. For XXXX years I have always paid the bank on time. Either the bank criminally manipulates payment dates or the bank 's software and data are corrupted. Whether intentional or unintentional, the bank is stealing money from the consuming public.
Consumer complaint received 2019-12-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

I was notified on XX/XX/XXXX that I was the victim of identity theft and that my Chase bank accounts could be compromised. I notified Chase immediately to put fraud alerts on my account as well as change passwords and put restrictions on account etc. I was assured my money in my savings account and checking would be secure. On Friday XX/XX/XXXX, a an unauthorized withdrawal in the amount of XXXX was made in person in a bank in Indiana. I only found this out when I checked my daily balance on Sat XX/XX/XXXX morning. I have filed a claim with Chase and now have to wait 10 business days for my refund. I have also had to shut all accounts associated with this account down. Tis not only has caused a huge inconvenience but begs the question how and why did Chase allow this to happen?
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I requested bureaus XXXX, XXXX, and Equifax to reinvestigate accounts : Account name : XXXX XXXX XXXX XXXX ( XXXX ). Their results determined everything was complete and accurate. However, I am finding the reporting accuracy across the 3 bureaus is not correct. According to 15 USC 1681i ( 5 ), the bureaus are required to modify accounts that aren't reporting correctly. 

I am requesting proof of investigative efforts for this account. If proof can not be provided, I am requesting this account be deleted from my credit report due to inaccuracies.
Consumer complaint received 2023-01-22
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)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX has violated my rights on the date of XX/XX/XXXX As well as XXXX XXXX XXXX XXXX XXXX date of XX/XX/XXXX Along with XXXX illegal/Wrong inquiries from XXXX XXXX XXXX the first date of the violation by XXXX is XX/XX/XXXX next one is XX/XX/XXXX Last but not least the XXXX wrongful collections I have on my credit profile one by Credit Collection Serve Date XXXX XXXX XXXX XXXX XXXX & XXXX Date Opened 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 My name is XXXX XXXX I will not be abused by these by these rich companies no longer I work hard and have money and will take my time to hold every last company accountable this stuff is literally illegal why do this to hard working good people that pay taxes its fine I will make all companies pay through the justice system thank you & god bless