davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau has failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Report : XXXX, XXXX. XXXXXXXX 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 2022-08-16
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau has failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the 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 XXXXXXXX
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

EXPERIAN YOU HAVE BEEN FURNISHING INACCURATE INFORMATION ON MY CONSUMER REPORT I INSIST YOU REMOVE ALL ERRORS ON MY CONSUMER REPORT SO MY CONSUMER REPORT REFLECTS 100 PERCENT ACCURACY! ITS YOUR DUTY AS A DATA FURNISHER OF INFORMATION TO HAVE ABSOLUTE ACCURACY ON MY CONSUMER REPORT!. ( ( SEE ATTACHED DOCUMENTS ) )
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After submitting my dispute requests, Transunion and XXXX did not investigate this account. ( XXXX  # XXXX ) appearing on my credit file. The account inaccurately reports multiple charge offs with absolutely no other payment history. 

The account has not been updated, corrected or deleted after several previous disputes.
Consumer complaint received 2019-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (VA)

The first problem is back in XXXX the XXXX of XXXX I reached out to the Discover Bank and informed them of my identity thief. A credit card in the account of {$810.00} had been opened back in XXXX and closed in XXXX. I informed them that I was away at college those years and that it wasn't me that opened the accounts. I also let them know that the address associated with the card wasn't mine either. So because the criminal had access to my social and date of birth, making it seem like the account was truly mine, the company refused to take it off. Again in XXXX of XXXX and XXXX of XXXX I again informed Discover Bank that the account still isn't mine and refuses to help me with this issue. My second problem is that not only have they not assisted me with this issue but the added the fraudulent account onto my credit report as if it's a brand new negative account, damaging my credit score even more. This company is extremely rude and insensitive. I did not open this account or use this card and I need it gone. I can provide proof that I was away for school the whole time.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

These accounts are reporting inaccurate on my report XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX, XXXX, Experian XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Experian XXXX XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian
Consumer complaint received 2023-11-03
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. (MI)

in accordance with the Fair Credit Reporting act XXXX XXXX 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-01-19
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. (KY)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

$ XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion, XXXX, XXXX XXXX have all three violated my rights! By law! They havent even issued any evidence that these hard inquiries or derogatory marks on my account ; balances, were made by me after many disputed and phone calls of me explaining that it wasnt! Im on the verge of getting an attorney! In accordance with the Fair Credit Reporting Act, theyve 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 also states that a consumer reporting agency can not furnish an account of mine without written instructions!
Consumer complaint received 2023-07-22
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: EQUIFAX, INC. (MI)

I discovered of this account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$3100.00}
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

This is a slippery slope problem caused by XXXX XXXX XXXX providing information to the credit reporting bureaus two ( 2 ) delinquent 60 day accounts, when in fact XXXX XXXX XXXX had received the two payments on time XX/XX/2024 payment and XX/XX/2024 payment. The payments were applied to the wrong account and for over 30 days XXXX XXXX XXXX claimed they never received the payments. Please see the three complaints file with you concerning this matter. Because XXXX XXXX XXXX denied receiving payments a claim was made to find the payments which caused the Wells FargoXXXX XXXX XXXX XXXX to cancel the XXXX payment and apply back to the WF checking account. 

A stop payment was made for XXXX XXXX XXXX Then because XXXX was updating processing procedures with XXXX XXXX XXXX XXXX, a payment for scheduled by the software that sent a online payment to a closed account. Since then payments made to authorized payees are cancelled. The following has occurred : Check # XXXX for $ Date Check # Payee Category Tag Memo Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This payment should have processed today and no record of it being processed. 

I have spoken with numerous CSRs for Wells Fargo and XXXX XXXX XXXX with no results.
Consumer complaint received 2023-01-19
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)

I had names that were not mine, addresses that are not deliverable to me by US Mail and phone numbers listed on my credit report that I previously disputed. XX/XX/2022 I also noticed a new inquiry on my Equifax, XXXX, XXXX credit report for a RV company XXXX XXXX. I have no place, no need or room for a RV!!!! I tried to call the number listed and it does not work. Hoping they had cameras. I recently purchased Equifax lock feature to ensure this stops. I have fraud alerts and locked all my credit reports to prevent whomever from doing this again.
Consumer complaint received 2022-04-16
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. (TX)

In Accordance with The Fair Credit Reporting Act XXXX  Accounts # XXXX has VIOLATED My rights. 

XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX  XXXX Acct # XXXX XXXX. XXXX  XXXX Act # XXXX XXXX. XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX  Acct # XXXX XXXX. XXXX Acct XXXX XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX  Acct # XXXX XXXX. XXXX Acct # XXXX XXXX. XXXX Acct # 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.
Consumer complaint received 2022-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : 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 Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2022-08-15
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX  Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, have 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 an account without my written instructions.
Consumer complaint received 2023-07-22
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: EQUIFAX, INC. (AR)

I have been fighting for the last two years to get this account off my credit profile. Each bureau is violating my privacy right according to 15 USC 1681. Besides That, an imposter went into a dealership with a fake id to act as if they were me to obtain o vehicle. That is called identity theft. This is just one other reason the count should be deleted. 

The Law Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I HAVE NEVER GAVE ANY BUREAU WRITTEN CONSENT TO REPORT MY PERSONAL INFORMATION OR ANY ACCOUNTS. MY PRIVACY IS BEING VIOLATED PLEASE SEE THAT THESE ACCOUNTS BE DELETED. 

ACCOUNT XXXX XXXX XXXX XXXX OPEND XX/XX/2020
Consumer complaint received 2023-01-19
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)

XXXX XXXX Bank is claiming I had a credit card that I never had. I'm XXXX. They are ruining my credit. I have repeatedly disputed it and they keep " verifying '' it. Furthermore, I called them to opt-out all the way in accordance with privacy laws and they refused.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

After submitting my dispute requests, XXXX and Experian did not investigate this account. ( XXXX # XXXX ) appearing on my credit file. The account inaccurately reports multiple charge offs with absolutely no other payment history. 

The account has not been updated, corrected or deleted after several previous disputes.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Between XXXX XXXX there was over XXXX taken from my account. The bank decided against my favor and is reversing the credit. I was XXXX during this time and not in the same country as what the IP address was showing. The company was XXXX XXXX  and it was crypto. They submitted evidence and it looks like the attacker/hacker spoofed all of my information making it looks like me. The bank said theres nothing I can do and they are reversing it. This money is way too much and will put me negative.
Consumer complaint received 2021-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OH)

I WAS PUT IN A PREDATORY LOAN .I DIDNT RECEIVE FIRST TIME HOMEBUYERS. OR ANY TYPE OF FIRST HOME ASSISTANCE .SO DUE TO BANKRUPTCY RECENTLY .WELLS FARGO PUT ME THROUGH THE PROCESS OF ALL THIS PAPER WORK .GIVING PERSONAL INFORMATION TO DENY ME A LOAN MODIFICATION.WHICH EVEN CAN INCLUDE., MODIFYING THE BALANCE LEFT ON THE LOAN TO A LOWER AMOUNT.I LIVE IN A HIGH CRIME AREA.AROUND BLITTED PROPERTY.I HAVE BASICALLY ALL READY PAID OFF THIS LOAN.I HAVE BEEN WITH WELLS FARGO SINCE XXXX.I HAVE MADE ALL MY PAYMENTS ON TIME I HAVE NEVER MISSED A PAYMENT .EVEN WHEN MY INCOME CHANGED.I APPLIED FOR THE MODIFICATION TO GET THIS PROPERTY AMOUNT REDUSED.EVEN TRYING TO TALK TO THIS COMPANY ABOUT A LOAN SETTLMENT. WELLS FARGO SAID THEY WOULD TAKE ALL THIS INTO CONSIDERATION.I FEEL LIKE MY LOYALYTY AS A CUSTOMER HASNT BEEN APPRECIATED.I ALSO FEEL DUE TO THEM DENYING ANY TYPE OF MODIFICATION MY ASKING FOR A REDUCED BALANCE AMOUNT WASNT TAKEN INTO CONSIDERATION.
Consumer complaint received 2019-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (PA)

I completed my Trial Period Payments leading to a permanent loan modification with Fay Servicing on XX/XX/2017. They have not abided by the permanent loan modification contract. Fay Servicing continues to charge me ESCROW when my first mortgage with XXXX has the ESCROW. Over and over again I have provided proof of another lender ; the 1st lien, having ESCROW which covers all of my homes taxes and homeowners insurance. I have recently refused to pay anything above the principal and interest payment. There is also a Suspense ( Unapplied Funds ) in the amount of {$430.00} that Fay Servicing is holding but they continue to say I am in default. This has not only been detrimental to my credit score which is now XXXX thru XXXX and shows I am 3 months in default, I have also received an ACT 91 for the default when I continue to pay my Principal and Interest each month excluding the last two months because they actually owe me money at this time. 

I have had numerous Fay Servicing Relationship Managers in the last year and with each change, there are promises for corrections to no avail. If I do not comply with the ACT 91 process, they will more my loan into foreclosure. This is the last thing I need or deserve.
Consumer complaint received 2023-07-22
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: EQUIFAX, INC. (CA)

While checking my recent credit report. I discovered a Fraudulent account in my credit. Account is not mine. I did not authorize this company to open an account under my name. I need this account deleted. Account information, XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2021-09-27
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. (IL)

I have obtained my consumer credit report and I have noticed that there is bankruptcy reporting. I have disputed with consumer reporting agencies through phone call and through mail. I was instructed that it was furnished through the court and XXXX XXXX. After contacting them both, the court responded on XX/XX/2021 that they dont report to any credit bureau and on XX/XX/2021, XXXX XXXX responded that they have deleted the bankruptcy from my file after my dispute. I have already sent proof to all 3 consumer reporting agencies through certified USPS mail.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

I got a loan with XXXX about three years ago and forgot about it since then. They have closed it and charged the data off and reported it on my credit report every single month for the past three years. 29 derogatory marks. I called today and tried to speak with somebody about paying off the lien and getting a XXXX balance letter. I recorded the phone call and in the phone call the man said that he could not send a XXXX balance report. He said that he had to go through XXXX procedures. I explained to him that he can not do that because there are certain consumer financial protection laws that do not allow XXXX  to handle these things for them selves. He then admitted to breaking consumer financial protection laws on recording, then hung up on me. They will not answer my calls. They will not allow me to pay the balance. There are no loan documents either.