davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2020-04-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-12-08
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)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-04-02
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: Experian Information Solutions Inc. (MD)

i am writing to delete the following information in my file. the items i need deleted are listed in the report .i am a victim of identity theft and did not make the charge, i ask that the items be deleted to correct my credit report.i reported the theft of my identity to the federdal trade commission and i alson have enclosed copies of the federal trade commissions identity theft affidavit .please delete the items as soon as possible
Consumer complaint received 2022-12-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC (CA)

On XX/XX/XXXX, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Explore Credit debited {$300.00} each time from my bank account. I never authorized these transactions or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.
Consumer complaint received 2022-12-28
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. (RI)

in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. State 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 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 2020-04-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

1- On XX/XX/2020 tried to make payments online and there was no Make Payment link on the website I had been using to do this for about a year. It seems they are coercing customers to either pay by phone which involves a FEE OR one is coerced into signing up for AUTOMATIC payments! 

2- When I tried to send a letter by email using their email link it consequently disabled my ability to open the website at all! They are forcing customers into delinquency! I OBJECT! I will not stand by and allow myself and others to be coerced into delinquency which would impact credit scores!!! Contact them immediately please! Can they force me to sign up for automatic payments? 

3- This company is price gauging customers in the sense they have twice sent letters to recast ones mortgage to lower monthly mortgage payments which consequently adversely increases the interest at HIGH percentages! They cleverly neglect to say this in writing! All they say is that you will have a lower payment and they expect customers to figure it out ourselves that they ONLY put the higher interest level in numbers - without ever putting it into writing that you will be paying more!!!! That should be illegal! 

4- This company PHH mortgage is part of OCWEN and I do not trust this company ( PHH to be competent as they claimed to lose checks I had mailed in, twice!!! 

Please assist!
Consumer complaint received 2023-01-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

My father had a mortgage with Wells Fargo from XXXX until he passed away in XXXX. I his son was on the XXXX XXXX XXXX  on the home and was supposed to take over the home, but Wells Fargo did not want to work with me on the monthly mortgage payment and foreclosed on the home with me being thrown out of the home in XXXX. Wells Fargo has a Victim 's Compensation penalty account for anyone that was wrongfully done by any mortgage held by Wells Fargo back in XXXX XXXX and XXXX. I feel I have the right to be part of this class action XXXX and need to find out more how I can be part of it. Thank you for your time in this matter.
Consumer complaint received 2020-04-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLIANT CREDIT UNION (IL)

In XX/XX/2020, Alliant Credit Union charged me an extra $ XXXX for not having insurance on my vehicle. I have had ongoing insurance on my vehicle through ridesharing apps and through XXXX XXXX. When I showed them proof of this, they only reduced the extra fee. They did not remove it.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Below is an email I sent to Equifax 11 business days ago ( on XX/XX/2020 ). I immediately received an automatic reply saying they received my email and would reach out soon, and I have not received anything from them since. 
________ Hi, I tried to do this online, but when I login with my correct username and password I see the screen below : [ Screenshot of their webpage which only told me to give them a call, with no additional information ] I gave you a call, as requested, and after entering all my identity verification details into the automated system and spending 1 hour and 15 minutes on hold listening to music, during business hours, I had to hang up. 

I need to dispute a hard credit check that shows up on my credit statement in XX/XX/2020 that looks like it's from XXXX XXXX Bank credit cards, though I'm not sure. I did not apply for a credit card in that month or approve any hard credit checks. 

I would also like to freeze my credit immediately, so that no one can apply for new lines of credit or run hard checks. 

I was able to do this easily, online, in minutes at XXXX and XXXX, but not with you Equifax. You're the most difficult to deal with. 

Please make my online account work, investigate this unauthorized credit check in XXXX, and freeze my account immediately. 

If I do not hear back within 2 business days, I will submit a complaint with the Consumer Financial Protection Bureau. 

Regards, -- XXXX XXXX
Consumer complaint received 2020-04-02
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: Experian Information Solutions Inc. (CA)

I RECENTLY RAN MY CREDIT AND NOTICED THE BELOW INQUIRIES SHOWING ON MY CREDIT FILE. THESE ARE NOT MY INQUIRIES, SO PLEASE DELETE THOSE INQUIRIES UNDER, INQUIRIES TO DELETE. 

I HAVE NEVER BEEN LATE ON ANY OF MY ACCOUNTS. I NEED THE BELOW ACCOUNTS UNDER ACCOUNTS TO AMEND, TO BE AMENDED IMMEDIATELY TO SHOW NEVER LATE. 

ON XXXX, XXXX, XXXX I HAD MAILED A DISPUTE LETTER OF THE BELOW INQUIRIES TO BE DELETED AND SOME ACCOUNTS TO BE AMENDED. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS, AND NOW YOUR COMPANY IS IN VIOLATION OF THE FCRA GUIDELINES FOR THE 3RD TIME REGARDING INVESTIGATIVE RESULTS REPORTS RESPONSE DEADLINES
Consumer complaint received 2024-01-03
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. (TX)

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. 

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.
Consumer complaint received 2020-04-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2020, I disputed 2 accounts with each credit bureau on my credit report that both accounts addresses were wrong on my report. The letters were returned back to me they were not deliverable. I sent each credit bureau a copy of the return letters with a copy of the Postal Service tracking system that states the address is no longer valid. This is an error on my credit report, therefore according to FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Given that the furnisher has provided false information on my credit report both accounts should be removed.
Consumer complaint received 2020-04-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

XXXX  AND EXPERIAN failed to check with alleged furnishers to validate all alleged debts in dispute that furnishers claim plaintiff owes. XXXX  received Plaintiffs debt validation letter on XX/XX/2019 ( tracking # XXXX ) and Experian too received the letter on XX/XX/2019 ( tracking # XXXX ). Plaintiff disputed alleged debts with the following creditors through EXPERIAN XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Its The credit Bureaus job to do a reinvestigation of the disputes. 
EXPERIAN and XXXX did not prove in details what steps they took to verify if the debt is in fact the plaintiffs.What system and or method did EXPERIAN and XXXX  use None of these alleged creditors can show an original contract with a wet ink signature on it with plaintiffs name on it. Plaintiff argues that plaintiff can NOT agree to a mere COPY of any signature. EXPERIAN and XXXX  are the ones reporting therfore plaintiff is questioning the credit bureaus.
Consumer complaint received 2024-01-03
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. (NY)

Transunion and XXXX continue to allow fraudulent names and addresses to remain on my account. I am unable to dispute this incorrect information ( identity theft ) because the personal identifying information you are prompted to submit either by their online services or over the phone I am unable to provide because they are requesting information that is not mine.
Consumer complaint received 2020-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX has illegally reported to Experian a derogatory account after I filed a complaint with the CFPB XXXX back on XX/XX/2020 against them stating my notice of dispute of validity of the information provided. I REQUESTED The debt to be sent back to the original creditor there is identity theft and fraud related to this matter. They have have sent the derogatory information anyways to my credit report violating my rights under the FDCPA. The information was disputed within the 30 days of validity and requested to send back to the original creditor due to identity theft and fraud. Your breaking the law reporting to the credit reporting agencies anyways. I will seek litigation if this isnt removed immediately.
Consumer complaint received 2020-04-16
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. (GA)

XXXX, XXXX, XXXX, XXXX XXXX all violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 reported to Experian that I applied for credit in which I never applied for. they have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, employers, phone numbers and names corrected on my report as this is a violation of my consumer protection rights.
Consumer complaint received 2020-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (NY)

My banks executive office told me they would offer the debit card contactless this year and that they would let me know they never did I just want to know if this is available upon request because my debit card still only has a chip no XXXX symbol they told me a few months ago that they will offer it early 2020 but when I called customer service to ask they dont know what this is unbelievable
Consumer complaint received 2020-04-02
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: EQUIFAX, INC. (SC)

Im currently consulting with an FCRA attorney about escalating this matter to the next level because you have failed to conduct an investigation regarding this inaccurate late account on my credit report. Based on the FCRA and my counsels review of the FCRA, you are supposed to conduct a reasonable investigation on items presented to you by consumers. You have failed to do this on several occasions, which is a violation of the law. 
This is my last request to your company to follow the law and conduct a proper investigation on these accounts. 
If you choose to send me a can letter and not investigate, I will instruct my FCRA attorney to move forward with escalating this issue. 
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau.
Consumer complaint received 2020-04-16
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 am in the process of looking into buying a new home and was discouraged to find out that my credit has dropped immensely which is hindering my ability to close on my home. I am writing this due to non compliance with Experian, XXXX, and XXXX. They have failed to remove information that was affiliated with personal details that were INACCURATE and challenged in the past. I strongly believe that they are in violation of the FCRA ( Fair Credit Reporting Act ) and are outright refusing to to uphold the law.
Consumer complaint received 2020-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MD)

This account is not owned by me. However I assisted the account owner to open this account and the account owner has been paying the account without default since the account originally opened. The account information was previously reported in my credit report to the three credit beaures and it was deleted after I complained approximately two year ago. Now after two years the same account with different company name is reported as default or bad credit and damaging my credit reputation. As result my credit score has been damaged.
Consumer complaint received 2022-12-28
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. (IN)

There are several inaccuracies on my credit report. 

All accounts referring to XXXX XXXX, XXXX 's XXXX 's, and XXXX XXXX are incorrect and were opened in an instance of identity threat. Please remove them immediately. 

All inquiries from the same ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ), as well as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( I don't know who this is ), 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 2020-03-23
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 am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions Please remove all accounts which are not belong to me or any transactions made by me.
Consumer complaint received 2022-10-06
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: EQUIFAX, INC. (FL)

Upon review of my credit report, I discovered unauthorized credit inquiries. These unauthorized inquiry concludes that my identity has been compromised which can be very damaging to my credit rating. Please delete this inquiry from my credit report. Failure to do so is a direct violation of my FCRA consumer rights.
Consumer complaint received 2023-05-06
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. (MI)

I HAVE MY CONSUMER REPORT AND I CAME ACROSS XXXX LATE PAYMENT ON AN ACCOUNT THAT I HAVE NEVER BEEN LATE FOR. I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT XXXX XXXX XXXX XXXX. CONSUMER REPOTING ANGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSIBILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEIR ABILITY WITH MAXIMUM ACCURACY. 

PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENTS SHOWING THAT THIS PAYMENT WAS LATE. IF PROOF CAN'T BE PROVIDED I DEMAND THIS PAYMENT BE UPDATED TO ON TIME AS IT SHOULD BE AS I WAS NEVER LATE. THANK YOU
Consumer complaint received 2020-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Im currently consulting with an FCRA attorney about escalating this matter to the next level because you have failed to conduct an investigation regarding this inaccurate late account on my credit report. Based on the FCRA and my counsels review of the FCRA, you are supposed to conduct a reasonable investigation on items presented to you by consumers. You have failed to do this on several occasions, which is a violation of the law. 
This is my last request to your company to follow the law and conduct a proper investigation on these accounts. 
If you choose to send me a can letter and not investigate, I will instruct my FCRA attorney to move forward with escalating this issue. 
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau.