davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-18
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$21000.00}, {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX, and the subsequent response received on XX/XX/XXXX, enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my account.
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

***EQUIFAX HAS STATED THAT THEY HAVE DELETED/REMOVED/BLOCKED THESE ACCOUNTS FROM MY CREDIT FILE THAT I PREVIOUSLY FILED A COMPLAINT WITH CFPB COMPLAINT # XXXX DATED XX/XX/2018 THAT EQUIFAX HAS STATED WAS COMPLETE AND THEY CLOSED THE CLAIM WITH THE CFPB AS SATISFIED THE SAID ACCOUNTS WERE REMOVED/DELETED/AND BLOCKED. *** WITHOUT ANY WARNING EQUIFAX HAS PLACED THESE ACCOUNTS BACK ON MY CREDIT FILE WITHOUT ANY NOTIFICATION*** EQUIFAX PER FTC LAW ONCE A ( identity theft police/report is filed ) ALL ( 3 ) CREDIT SUPPOSED TO REMOVE/BLOCK/DELETE THESE ACCOUNTS FROM RE-APPEARING ON MY FILE AND DROPPING MY CREDIT SCORE. EQUIFAX HAS INITIATED A 30-DAY ( unauthorized ) DISPUTE WITH EACH COMPANY AND HAS NOT REMOVED THE ATTACHED ACCOUNTS ( PLEASE SEE DOCUMENTS )
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

For the past 2 years I have been settling accounts and fixing accounts. Every time I apply for a loan my score shows about 100 point difference from what fico says, I keep disputing things that are settled and the day I apply all my old stuff gets re-recorded as new delinquent. Then my credit gets ran 20 times. I believe an inside influence is being used to cause me to have adverse marks and to prevent me to have credit of reasonable standard. I watch my credit super close I keep getting told my score does not match my file. I need an investigation to determine whom is altering my credit. This is all 3 major credit bureaus and none of them match.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

For the past 2 years I have been settling accounts and fixing accounts. Every time I apply for a loan my score shows about 100 point difference from what fico says, I keep disputing things that are settled and the day I apply all my old stuff gets re-recorded as new delinquent. Then my credit gets ran 20 times. I believe an inside influence is being used to cause me to have adverse marks and to prevent me to have credit of reasonable standard. I watch my credit super close I keep getting told my score does not match my file. I need an investigation to determine whom is altering my credit. This is all 3 major credit bureaus and none of them match.
Consumer complaint received 2019-12-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp. (IL)

On XX/XX/XXXX I've received notification from TrueAccord in regards to an alleged debt owed to XXXX XXXX ( XXXX XXXX ) in the amount of {$750.00}. I've have previously requested information in reference to this matter with XXXX XXXX several months ago and now this alleged debt has been bounced to TrueAccord. In accordance with the law, please provide proper validation of this alleged debt. ( Validation consisting of a valid agreement bearing my handwritten signature ).
Consumer complaint received 2023-01-23
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. (SC)

So I called on the XXXX of XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I was writing a person check and upon cashing it they told me that I could not get funds and pluse they they keep my deposit from my job I was getting ever two weeks. Not only they did that they close out all my account out.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

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 2019-12-18
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: Experian Information Solutions Inc. (SC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-12-18
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. (SC)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (KS)

I purchased a new vehicle XX/XX/2018. In order to receive a rebate for electric vehicle I had to buy the car the day I went to the dealer. I was rushed to close the deal and pick up my kids and didnt realize I had signed for extended services for {$3300.00}. When I discovered what had happened I called the dealer to cancel. I went to the dealer and signed the cancellation on XX/XX/2018. When I hadnt heard anything after a couple of months I started calling the dealer and my calls were not returned. After several days and not identifying myself I was able to reach a manager. They were going to look into it. Since then I have been getting the run around by their sales manager and today he passed me off to their accounting department. They have not returned my call. In the meantime I have paid the car off.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (TX)

In 2011 I opened an account with wells Fargo. I also opened a savings account for my son. Some how they were taking my sons money from his savings and using it when my checking was overdrawn. A total of XXXX was taken out of my sons account
Consumer complaint received 2019-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

On XX/XX/XXXX my home was appraised at my request by a representative from the mortgage lender ( XXXX XXXX ) in order to remove the PMI on my current loan. 

My home appraised for {$520000.00}. Principal on the loan is just under {$400000.00} with no other liens or second mortgages. This puts my LTV at 77.87 %, according to the lender 's own documentation. This is under the 80 % LTV required by law for removal of PMI. 

Subsequently, I sent emails requesting the removal of PMI to XXXX XXXX on XX/XX/XXXX, again on XX/XX/XXXX and again today. XXXX XXXX acknowledged all my emails. I've spoken on 5 separate occasions to representatives of XXXX XXXX who stated PMI is removed at 80 % LTV, that all other conditions are met for removal of PMI on my loan and that they're not sure what's happening, they suggested I keep writing emails. 

On XX/XX/XXXX, XXXX XXXX sent me a letter stating that the PMI on my loan would not be removed, applying a 75 % LTV for removal of PMI instead of the 80 % allowed by law. This is in violation of the Homeowner 's Protection Act and the laws of the State of New York regarding this matter. 

All conditions for removal of PMI on my loan are satisfied and PMI should be removed forthwith.
Consumer complaint received 2018-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC (NC)

XXXX XXXX XXXX XXXX is trying to collect a medical debt without. Legitimate validation. They are sending copies of reports they brought from another collect agency called XXXX XXXX XXXX. This Debt was originally placed on credit reports without proper validation from a different collection agency it was disputed and removed from my credit reports. It is against the law to add back a debt to a credit report when it was already removed. They brought this debt from a different collection agency and still do not have validation and authorization to collect this debt. They are sending me letters every week about this debt and I feel harassed by this company, because they I have reported that they do not have proper validation and they just come up with different summary copies from other collection agencies they brought this debt from. I will be reaching out to an attorney. I am XXXX and has been since XX/XX/2016 and I do not want any more contact with this company.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Ive been a XXXX. XXXX for over 12 years. The {$35.00} overdraft fee has took it's tole. Sometimes would take 2 days or three days to repleanish funds. No ryhme or reason.
Consumer complaint received 2023-01-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I did a business equity line of credit with my house as a collateral, as I paid for XXXX years and I saw the balance wasnt going down in XXXX  it was fixed however things didnt go well and I was forced to closed the business now Im at risk to lose my house
Consumer complaint received 2019-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC (NM)

This debt is not mine. I repeatedly was called about this debt 3 years ago and everytime I ask for a break down of what they claim I own I never get anything from them. They flagged my credit twice in XX/XX/XXXX and they again flagged my credit two more times on XX/XX/XXXX and again on XX/XX/XXXX. Everytime the flag my credit the amount fluctuates I have already called sever times and never get anywhere with them about this debt that's not mine. I have spoke to this debt collection company in over 3 years I thought this was already removed until this month when they flagged my credit 2 more times.
Consumer complaint received 2019-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have been using XXXX XXXX gas rebate card since  1997. Recently, I had entire balance as they were charging very high interest. A few days back they have suddenly reduced by credit limit from XXXX to XXXX. They have not intimated or given reasons. This has caused me undue hassles and put our family in jeopardy.I would like a thorough investigation on this, and do me justice. A card company should be regulated on their actions, they can not arbitrarily affect a consumer.
Consumer complaint received 2022-01-04
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. (AL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.
Consumer complaint received 2023-01-23
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. (MS)

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I have already disputed this item on XX/XX/XXXX, and XX/XX/XXXX, but the bureaus did not remove it nor prove validation to me. 

XXXX - Account XXXX : XXXX
Consumer complaint received 2019-12-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/2019 I initiate it a HELOC application with the Bank of America I submitted all my paperwork the XX/XX/2019 I initiated a HELOC application with the Bank of america I submitted all my paperwork it would took several weeks the last question that was asked of me was too receive information from my XXXX that I will be receiving payments for the next 3 years when I contact it are XXXX Department they said they could not make such claims and because my XXXX couldn't state that I would be active for the next 3 years I was turned down after,. I feel this question should have been presented weeks ago instead of putting me through the tedious task of XXXX all this information they requested and I think this was out of the blue I've never been asked to give a prediction as to how long I would be receiving my XXXX and all the years that I've been on XXXX
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$570.00} ), XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$6400.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX  XXXX XXXX ) , XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX XXXX XXXX ) , XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXX XXXX  ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-01-23
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: LEXISNEXIS (MD)

On XX/XX/2022, I completed a CFPB complaint on Lexis Nexis regarding a XXXX public record that is showing on my credit report. This is inaccurate information. Lexis Nexis did not respond to a letter that I previously sent them in XXXX of 2022. So, I had to do a CFPB complaint to get some actual results and that still wasn't to my satisfaction as there was no method of true verification. 

On XX/XX/XXXX, I completed another CFPB complaint to Lexis Nexis regarding the same issue, a bankruptcy reporting to my report. They claimed that XXXX verified it and that is not true. I have contacted PACER and they do not provide information to third parties whatsoever. 

The following are the laws that were violated : 1. 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 USC 1681a- ( e ) I did not give a Permissible purpose nor did they have my written instruction.

I contacted the US XXXX Courts and they mailed me back a letter dated XX/XX/XXXX ( see attached ) stating that they do not send information to the credit bureaus. This means that they did not provide Lexis Nexis with information to be reported. 
I also contacted XXXX, and XXXX  also does not provide information to credit bureaus. A screenshot of this directly from their website will be attached. 
So, the claim that it was verified by the US XXXX Courts of XXXX, MD, and XXXX is not accurate. XXXX also states on its website that they do not provide information to third parties either. I will be attaching both of those to this complaint. I will be attaching my driver 's license and a copy of a power bill.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. 

Here are the accounts that needed correction : XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX  Balance Owed : {$390.00} This is my follow-up complaint in line with my prior complaint dated XXXX XXXX
Consumer complaint received 2023-05-12
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. (GA)

I have disputed a bankruptcy that was inaccurately reporting on my credit report with XXXX XXXX. I received the attached letter from XXXX XXXX stating that they have removed the bankruptcy from my credit file on XX/XX/2023. However, the bankruptcy is still reporting with XXXX XXXX and all three credit bureaus : XXXX, XXXX, TransUnion. I have reaching out to all agencies repeatedly after XXXX XXXX has notified me that it has been removed. It is now 30 days from the date of the letter from XXXX XXXX and the bankruptcy still has not been removed from my credit report. I am asking CFPB to please assist with having these agencies abide by the law in its entirety and delete this disputed item from my credit file. I am demanding that All agencies, XXXX XXXX, XXXX, XXXX, TransUnion delete this bankruptcy immediately.
Consumer complaint received 2022-01-04
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. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Portfolio Recovery at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices about {$1200.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.