davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
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. (MO)

The Credit Reporting Agencies have not complied with the Fair Credit Reporting Act and have been continuing the reporting of the erroneous accounts despite the multiple letters and CFPB complaints requesting the correction of the accounts. I previously sent a dispute letter to the Credit Bureaus last XX/XX/2022, with complete attachments of my personal information. I have been trying to correct the disputed accounts for quite a long time already and yet the Credit Bureaus have been doing nothing! I am submitting this CFPB Complaint as a follow up to the previous CFPB complaint I submitted. Under the Fair Credit reporting Act, I am ordering the Credit Bureaus to remove investigate the disputed accounts and correct these accounts by removing the negativities completely : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX Balance Owed : {$2600.00}
Consumer complaint received 2022-11-12
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. (MO)

The Credit Reporting Agencies have not complied with the Fair Credit Reporting Act and have been continuing the reporting of the erroneous accounts despite the multiple letters and CFPB complaints requesting the correction of the accounts. I previously sent a dispute letter to the Credit Bureaus last XX/XX/2022, with complete attachments of my personal information. I have been trying to correct the disputed accounts for quite a long time already and yet the Credit Bureaus have been doing nothing! I am submitting this CFPB Complaint as a follow up to the previous CFPB complaint I submitted. Under the Fair Credit reporting Act, I am ordering the Credit Bureaus to remove investigate the disputed accounts and correct these accounts by removing the negativities completely : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX Balance Owed : {$2600.00}
Consumer complaint received 2022-11-12
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. (MO)

Despite the multiple written letters I sent to the XXXX Credit Bureaus, my attempts to request for proper verification and deletion of the fraudulent information on my credit report has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Also, hey have failed to comply with the FCRA section 605b and have been claiming that the disputed items are verified and accurate. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that by submitting this CFPB Complaint, the Credit Bureaus may be able to help me and have these items deleted as soon as possible. Here is the list of accounts and information that should be removed as soon as possible : XXXX XXXX XXXX XXXX, MO XXXX XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX
Consumer complaint received 2022-11-12
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. (GA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. 

Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (GA)

I recently reached out to and spoke to XXXX XXXX, senior specialist for Synchrony, on or around XX/XX/XXXX and she advised that XXXX would be re-opening the dispute I placed on or around spring/summer XXXX. The first fraud claim for I received back from Synchrony stated that the it was denied for the following reason : merchandise was shipped to customer 's verified address. As of XX/XX/XXXX, the claim was reopened and denied again. This time the reason selected for denial are as followed : ( 1 ) customer benefited from use of card/participated in the purchases and ( 2 ) customer accepts responsibility for the charges. If my wallet, credit cards, and license was stolen then of course someone could have easily purchased the my card. For one, the person who stole my wallet had every piece of my information, so I had to get a new ID and put locks on all credit reports. Of course they would have the items mailed to my house and swiped. Also, how does one claim have one reason and the second claim have 2 totally different reasons for denials. It makes no sense at all. Also, I never accepted responsibility for the charges nor did I ever speak to anyone and tell advise them of that since this claim was resubmitted. Back in XXXX a previous neighbor brought a package to my home that had been delivered to their home in error. She said she's been holding it since XXXX or XX/XX/XXXX, because I'm never home when she comes by. After looking at the details of the box it is a table. This XXXX case needs to be reopened and someone needs to tell me what I need to do with this box that was not purchased by me. Also, the box is unopened. I am willing to do whatever is necessary to get this handled in a timely manner and my credit report fixed with the errors.
Consumer complaint received 2022-11-12
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. (MO)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$170.00} ; XXXX  XXXX XXXX Balance : {$450.00} ; XXXX  XXXX XXXX Balance : {$260.00} ; XXXX  XXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$7100.00}
Consumer complaint received 2022-11-12
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. (MO)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX  XXXX XXXX Balance : {$260.00} ; XXXX  XXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$7100.00}
Consumer complaint received 2019-02-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX has a debt on my Credit Report that is beyond the Statute of Limitations for CA. They can only have a debt marked as collection for four years. They have attempted to keep the debt in collections by changing the name to XXXX  XXXX XXXX. 

This needs to be removed from my report as Collection. I have stated repeatedly that I do not owe this debt and XXXX XXXX XXXX has never been able to substantiate it. They are now attempting to mask it under XXXX  XXXX XXXX.
Consumer complaint received 2023-01-20
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. (CA)

In accordance with The Fair Credit Reporting Act, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX  act # 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 sec 2. It also states a Consumer Reporting Agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

In XX/XX/2022, I was approved for a buyout refinance, but I could not move forward because my ex-husband refused to sign the settlement agreement. WF called every day trying to obtain a date for closing. When I could not get the agreement, the loan officer indicated that when I received the agreement to call him to get the buyout refinance done.

I went to court to force the settlement agreement.

The loan officer I worked with is no longer at WF, so I spoke to XXXX XXXX. I explained the history, and he even pulled up the old loan documents. I provided my updated income and history, and took a hard credit hit. 
Today, I was told that I had too many late mortgage payments for my XXXX mortgage in 12 months, and the loan has already been denied pursuant to WF guidelines. 
I do not have late payments on my XXXX mortgage on my credit report. They did not try to get proof. They simply stopped the process.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Subject : Dispute of Incorrect Birthdate on Credit Report Dear XXXX XXXX I am writing to dispute the accuracy of my personal information as it appears on my credit report. Upon reviewing my credit report, I noticed that my year of birth is incorrect. The correct birthdate is XX/XX/XXXX. However, your records indicate a different year of birth. 

Below are the details of the incorrect information : Incorrect Birthdate : XX/XX/XXXX Correct Birthdate : XX/XX/XXXX Enclosed with this letter are copies of documents verifying my correct birthdate, including my driver 's license and birth certificate. 

Please provide me with written confirmation once the necessary corrections have been made to my credit report. Additionally, I request that you notify any third parties who may have received my credit report with the inaccurate information.

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America needs to be held accountable for the accountability for financial resources, for faithful compliance. Their Reliability of managing account failed MANY on XXXX. They disturbed many lives including mine. Bank Of America failed The Principle of Regularity, Consistency, Sincerity the performance of methods, Prudence & CONTINUITY. The MOST IMPORTANT OF UTMOST GOOD FAITH.
Consumer complaint received 2023-01-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tenaglia & Hunt, PA (PA)

During the pandemic when millions of us lost our jobs in XX/XX/XXXX, I was XXXX of those people. Due to the amount of money finally disbursed, it was not enough to catch up on debts owed. During this time frame, ALL of my creditor except XXXX XXXX  ( XXXX XXXX ), assisted me in paying all of my debts. XXXX stopped communicating with me in XXXX of XXXX. I have attempted on several occasions to contact and pay my balance. XXXX locked my account rather than assisting me with resolving my balance owed. As of XX/XX/XXXX I was served a warrant of Debt by XXXX  through their collection firm XXXX XXXX XXXX and a court date of XX/XX/XXXX suing me after I have made repeated attempts to contact XXXX  and settle the matter. We were in the middle of a pandemic and shutdown by the State government. I am ready and able to resolve the matter with XXXX, through XXXX. I have paid off ALL of my other debts due to the pandemic, why would I not do so with XXXX final creditor?
Consumer complaint received 2023-06-10
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Village Capital & Investment LLC (IL)

I was on a Covid deferral program, before it ended I requested a modification the loan, i was really hoping that the amount due would just be pushed to the end of the initial loan .. this didnt happen. But the Loan was modified with a higher interest rate. This was approved, I was told that nothing would be negatively impacted on my credit report. This happened! I keep calling and no one answers why? 

I really want this removed asap!
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

There are fraudulent inquires on my EQUIFAX credit report, Ive attached all documents as well as 609 letter. Ive also filed ftc report as well. Please remove fraudulent inquires below 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 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

CareCredit ( through XXXX ) provided a promotional 0 % interest offer for certain healthcare-related expenses. The 0 % interest applies if the promotional balance is paid off within a specified timeframe. I paid well over the minimum payment every month ( always well before the due date ) but they distributed the payments between the 3 different promotional balances. Even though I made payments large enough to pay off the promotional balances in the order in which they were charged, they are not getting paid off and they are starting to charge interest. Even now, I have a {$30.00} balance on a promotion that ends XX/XX/2023, but if I send in a {$30.00} payment, they will apply a small portion to the {$30.00} and the rest to the larger balance and then charge interest on the expiring promotion - PLUS charge deferred interest. I feel this is tricking the consumer and it's not made apparent. Please investigate this further.
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

I have opened American express # XXXX in XX/XX/XXXX based on their offering a cashback on the purchases for the card, between 3 % and 6 % of purchase amount. But now they refuse to issue the cashback that they have advertised. They have also refused to process my disputes of erroneous of fraudulent charges that they charged to my account. 


However, On XX/XX/XXXX American Express took their own decision to close my account. Their explanation of their decision was false. American express wrote to me that they have closed my account because they did not like how I spoke to their customer service agents on the phone about this card. But I have never talked to American express over the phone since opening this card.
Consumer complaint received 2023-06-10
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. (AL)

This insignificant company -- XXXX XXXX -- is reporting that I had a 39-day late on an item I never received in which it agreed back in XXXX that there was an accounting error. I have demanded this item be removed from my credit report but each time I dispute Transuion lies and states it has been investigated and no update. CORRECT YOUR MISTAKE XXXXXXXX XXXX AND DELETE THIS BOGUS ITEM. Transunion 's latest investigation : Date Submitted Date Completed Results XX/XX/XXXX XX/XX/XXXX View Dispute Results According to Transunion an investigation was completed in two days. There was no investigation done in two days. This bogus item from XXXX XXXX should be deleted immediately. I have never, ever had a 30-day late on any of my accounts with many that have been paid in full. I am surprised at XXXX XXXX because on record I am an excellent paying customer and often paid in full and keep receiving automatic credit line increases without requesting. I hardly ever use this card because I have other major credit cards that are often paid in full -- no lates, no missed payments. Transunion is the only credit bureau that is reporting this bogus information. It is so irritating that this bogus information will sit on my credit report for 7 years. I will never accept this!!!! The only adverse account I have had in over 10 years. Unbelievable!! XXXXXXXX XXXX are aware they are reporting bogus information because I contacted the CEO back in XXXX and not sure why the accounting error has not been corrected -- the start of the pandemic. Transunion has a track record of reporting bogus information and refusing to due proper investigations and follow FCRA laws.
Consumer complaint received 2023-01-20
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)

Thank you for taking the time out of your day to assist me with this issue. In XX/XX/XXXX I have contacted this creditor and advised them that I am a victim of identity theft. I provided them with all proper information and still refuse to assist me with removing this information off my credit report. I also provided them with police records that I have advising them I have been a victim. I called them today XX/XX/XXXX and they advised me that they will not remove this information off my credit report.
Consumer complaint received 2023-06-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo assumed the LOAN - Maturity Date - XX/XX/XXXX Sent in last payment in XXXX Wells Fargo sent the payment back advised that the account has reached it's maturity date. 
Per Wells Fargo- they're advising that the total amount due is {$12000.00} the loan amount was for {$30000.00} loan taken out on XXXX. 
{$8000.00} is the unpaid principal on loan ( how ) {$3000.00} is from late fee my question Wells Fargo is how do we owe XXXX XXXXXXXX on a loan for XXXX XXXX we stand to lose our home over XXXX XXXXXXXX can someone please reach out to Wells Fargo for better understanding. 
XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-01-20
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: DISCOVER BANK (FL)

Thank you for taking the time out of your day to assist me with this issue. In XX/XX/XXXX I have contacted this creditor and advised them that I am a victim of identity theft. I provided them with all proper information and still refuse to assist me with removing this information off my credit report. I also provided them with police records that I have advising them I have been a victim. I called them today XX/XX/XXXX and they advised me that they will not remove this information off my credit report.