davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

The Credit agencies XXXX/Experian stated my accounts were properly investigated and verified as accurate for the 3rd time. I contacted the agency to remove the inaccurate information and update my credit report. they responded with the account is verified the inaccuracies still remain causes harm to my livelihood. They have reported payment dates inaccurate showing XXXX with no 30 or 60 days late. On one account there reporting 3 different payment Example  Ok/30/Ok history on all 3 reporting agencies. I did not give them permission to produce this information. This should be removed because they are violating my rights under the Law

15 U.S Code 1681 - CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE

(a) Accuracy and fairness of credit reporting

15 U.S Code 1681E COMPLIANCE PROCEDURES

(b) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I also have the tracking number to prove they where notified by mail 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-04
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. (NY)

Im accordance to the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1666- correction of billion errors ( Accounts ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor
Consumer complaint received 2023-06-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The debt being reported as still being owed is officially a cancelled debt. Because the debt is cancelled and can't be validated the debt needs to be updated as as paid in full immediately on all 3 of my consumer reports. Since this is my second time reaching out about this debt and the credit reporting agencies still have done nothing to rectify the matter I will also be filing a XXXX a on the account to have the account audited by the irs. I attached proof of the irs accepting the 1099 C for this debt and by law this debt has to be paid in full since it was officially cancelled.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6500.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-03-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have filed disputes for incorrection information on my credit report. It has surpassed the the 30 day window for the results to come back.
Consumer complaint received 2023-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MT)

I have a mortgage serviced by NewRez and the payments are set up for automatic payments from a checking account. This has been in place for years with no issues processing my payment every month. On or about XXXX of 2022 the automatic payment did not process because New Rez said my checking account was 'Frozen ' but they did not notify me. I did not hear from them and when looking at my account history in XXXX noticed the payment was not debited. New Rez reported my payment XXXX days late. I contacted them and they could not explain why my payment did not process. I contacted them again and they finally explained their system showed my checking account as 'Frozen ' and that my bank would have to supply them a letter of explanation and they could correct the issue. I have supplied New Rez this bank letter several times now and they still have not removed the late payment reporting or the late fee they assessed. My bank letter states the account was never 'Frozen ' and so this was not my fault. As soon as I learned the payments were not made, I paid them, and I also had to reestablish the automatic payment service.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bernhardt and Strawser, P.A. (NC)

On XX/XX/XXXX I submitted a complaint ( XXXX ) to XXXX XXXX XXXX XXXX ( XXXX XXXX, Regulatory Complaint Specialist responded ), Bernhardt and Strawser , P.A . ( XXXX XXXX XXXX responded ) to have a XXXX XXXX. account ending in XXXX removed from my credit file. Bernhardt and Strawser and XXXX XXXX Strawser filed a Motion for Summary Judgment against me on XX/XX/XXXX see Exhibit A. I went to a hearing on XX/XX/XXXX and the Arbitrator XXXX XXXX XXXX XXXX ruled that the Plaintiff ( XXXX XXXX XXXX XXXX ) was awarded nothing from the Defendant ( XXXX XXXX ) see Exhibit D. They could not validate that the account belonged to me. On XX/XX/XXXX Bernhardt and Strawser and XXXX stated that they was filing a motion with the Court that was never filed according to court documents. The Judge disposed-Final judgment No Trial..see Exhibit D. XXXX XXXX. refuses to remove this account from my credit file and it has caused me a XXXX Injury.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (TX)

Theres alot of hard inquiry in my credit report that I did not authorized. Heres a list if you can please remove them. 

XXXX XXXX XXXX XXXX XXXX, 2023 XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2023 XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, 2023 + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XX/XX/2023 2023
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (WA)

I filed a dispute for an item I did not receive. The disputed amount was for {$100.00}. Instead of investigating my dispute, Wells Fargo closed my dispute, citing an entirely separate transaction for the amount of {$100.00}. It's plainly clear from my statement that these are two different, and unrelated, transactions.
Consumer complaint received 2022-10-17
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. (MN)

This is XXXX XXXX submitting this CFPB Complaint to request to the Credit reporting Agencies to remove the disputed fraudulent accounts and information from my Credit File. It appears that my credit File 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 the Credit reporting Agencies are required by law to remove any items which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please block and remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus 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. Once again, I need you to please remove the following items completely from my Credit File : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$94.00} 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  If the Credit Bureaus claim that the disputed items belong to me, I need the Credit Bureaus to send me copies of proof of verification and or proof of ownership. In the event the Credit Bureaus can not prove that the disputed items belong to me, kindly remove these items completely from my Credit File.
Consumer complaint received 2024-04-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (OH)

Selene Financial is trying to over charge me on my mortgage payment, percentage rate, and total pay off balance of the house. There is no house in my area worth {$100000.00} house. Thanks XXXX XXXX
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sunnova Energy Corporation (NJ)

I do not give consent for them to report and never did. As per CFRA this account should be removed. This is a solar lease panel lease agreement that was never reported prior until XX/XX/XXXX. 

The account is reporting incorrect multiple late payments and an incorrect balance. They currently owe me a credit they are refusing to put on my account and sent me another credit they owed for a year instead of rectifying my account all proof is attached. 

To Further prove why this account is incorrect and inconsistent Please see attached monthly statements clearly stating to NOT make payment and Not one stating that there was an issue or to make a payment. 

If I am given this in writing stating do not make a payment, I would believe the company would rectify their error and correct my status as I was following their instructions. 

Sunnova has owed a credit since XX/XX/XXXX and actually Paid me the credit XX/XX/XXXX. 
Instead of rectifying billing, they have maliciously continued reported my balance as outstanding. See attached. 

They currently owe a credit from XXXX and I have asked for the processing to be expedited but they still refuse to rectify my account and on my credit report. So I can pay the correct amount if any. I was told to update the credit routing to the account and they would fix the account but they haven't. 

They removed it from credit report XX/XX/XXXX and then put it back on a last week. 

They have continually been in breach of contract by not performing at their guaranteed production since the panels were installed. I highlight in our contract GUARANTEED I have requested this lease to be terminated due to lack of performance and unfair inconsistent billing practices with no success. 


This is harmful to my well being financially. 

In addition, the current balance of this account is reporting at $ XXXX is incorrect that was the original balance and the current balance is $ XXXX. The lease has been in place since XXXX the balance cant be the same as the initial amount. Please see all proof provided. 

Based on all information given, this company is illegally reporting incorrect information and giving conflicting directions. Due to all the discrepancies, I ask that this account be deleted immediately or reports in good standing with all late payments removed for fair credit reporting standards. 

To reiterate None of the billing statements have stated to pay and they currently still owe me a credit but are refusing and no where in my lease does it state they can withhold the credit due for non performance.
Consumer complaint received 2022-10-17
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. (MN)

This is XXXX XXXX submitting this CFPB Complaint to request to the Credit reporting Agencies to remove the disputed fraudulent accounts and information from my Credit File. It appears that my credit File 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 the Credit reporting Agencies are required by law to remove any items which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please block and remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus 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. Once again, I need you to please remove the following items completely from my Credit File : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$94.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/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 If the Credit Bureaus claim that the disputed items belong to me, I need the Credit Bureaus to send me copies of proof of verification and or proof of ownership. In the event the Credit Bureaus can not prove that the disputed items belong to me, kindly remove these items completely from my Credit File.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION (NE)

Two years ago when my husband was alive one of his credit cards was bought out by PenFed at that time he had a XXXX balance, they sent him a credit of XXXX dollars for being a new customer and then started charging XXXX per month for a statement fee he tried cancelling many times. He ended up paying them. 

Now more than a year after his death Pen Fed sent another credit of a XXXX  and a statement fee of XXXX dollars at this point he owes them XXXX dollars Is there any way I can get this account closed and stop having to pay statement fees on credits they keep adding I have called serval times and sent them a copy of his death cert.
Consumer complaint received 2023-03-10
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. (WI)

I have called XXXX several times and explained to them that there is fraud on my account. There are several inquiries that do not belong to me. They will not allow me to dispute incorrect information despite the FCRA stating unverified information and unauthorized items must be removed from my report. Someone has tried to get credit in my name as I have the same company with hard inquires multiple times on my report. I am requesting removal.
Consumer complaint received 2023-02-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I submitted a previous complaint to XXXX about this issue, however the complaint was ignored as their response appeared to be in response to a separate complaint. Therefore I am resubmitting the complaint with TWO SPECIFIC QUESTIONS that I except XXXX to respond to : 1. I was a perfect customer of yours for 3 years of a lease, never missing a payment. When the lease was finalized in XX/XX/XXXX, I turned in the vehicle and bought a different make from the dealership. Then much later, in XX/XX/XXXX, XXXX charged me a fee and said they would have waived it if I had gotten a XXXX. Nine months earlier, nobody mentioned this fee or offered to waive it if I got another XXXX. Also, ignoring the fact that I have a receipt showing I pre-paid the turn-in fee, my question is this : why does XXXX think its appropriate to take 9 months to invoice a customer, then while that customer attempts to call-in and confirm the accuracy of the charge, XXXX instantly begins reporting XXXX payments to the credit agencies? Why can XXXX take an unreasonable amount of time to submit an invoice, and not afford the customer a single day to understand where this charge is coming from ( especially when XXXX was unresponsive during the pandemic and it was difficult to receive responses )? 

2. The process to have XXXX honor the terms of the agreement was extremely unpleasant. After months of attempting to get through to XXXX, I realized it was not worth my time and effort, so I decided to simply pay the invoice ( for the second time ). I spoke to a representative who confirmed any negative remarks would be removed from my credit report if the fee was paid. Therefore, I paid the fee and provided proof of payment to XXXX. Unfortunately they continue to ignore this payment. So the question is : why do you ignore this payment and refuse to update the remarks to the credit reporting agencies? While it was unethical to immediately report late payments to your seriously delinquent issuance of the fee, it is absolutely immoral and illegal to lie about not receiving payment. 

Since the actual complaint questions have been ignored in the past, I just want to reiterate so there's no confusion about what questions XXXX should be responding to : 1. Why can you take 9 months and issue a delinquent invoice, but the customer has no time to confirm the accuracy?

2. Why are you refusing to acknowledge that payment was made, even though I have submitted proof of payment made on XX/XX/XXXX?
Consumer complaint received 2023-12-31
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. (CO)

A collection appeared on my credit report on XX/XX/ for {$1000.00} from XXXX XXXX XXXX. Over the past year, I have fought this inaccurate collection, with no success and no additional information provided by XXXX XXXX XXXX, Transunion, or XXXX. XXXX is the only credit bureau that has understood the issue and correctly removed the collection from my credit report. XXXX XXXX XXXX, Transunion, and XXXX continue to not listen or respond to my complaints that this collection has been incorrectly added to my file.
Consumer complaint received 2023-02-11
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. (FL)

XXXX XXXX is reporting a credit card account on my credit reports that are NOT mine. I have reached out on several occasions requesting proof that I am an officer or owner of the corporation who the account was opened for. They have yet to provide such proof. In addition their employees are misinforming and breaking XXXX  policies listed on their website. Only an owner, officer of the company or officer with POA can open an account. I have also written to the credit bureaus requesting this account be removed from my credit report as it has damaged my EXCELLENT credit history.
Consumer complaint received 2023-02-11
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. (FL)

XXXX bank is reporting a credit card account on my credit reports that are NOT mine. I have reached out on several occasions requesting proof that I am an XXXXXXXX or XXXX of the corporation who the account was opened for. They have yet to provide such proof. In addition their employees are misinforming and breaking CHASE policies listed on their website. Only an XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  with POA can open an account. I have also written to the credit bureaus requesting this account be removed from my credit report as it has damaged my EXCELLENT credit history.
Consumer complaint received 2022-09-04
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. (TX)

Theres things on my credit report comes from identity theft I have a police report and they still have fixed Ill file a dispute and all they do is update the situation with my correct information after I report identity theft