davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
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. (GA)

I am writing to formally lodge a complaint and request an investigation into the actions of XXXX XXXX XXXX regarding my credit report. I have recently discovered several discrepancies that I believe are in violation of consumer protection laws and credit reporting regulations. 

Account Information : Creditor : XXXX XXXX XXXX Account Open Date : XX/XX/XXXX ( XXXX & Equifax ), XX/XX/XXXX ( XXXX ) Closed Date : XX/XX/XXXX ( XXXX only ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Reported : XX/XX/XXXX ( XXXX & XXXX ), XX/XX/XXXX ( Equifax ) Credit Remark : Reported as a loss by credit grantor ( XXXX ) Last Payment Date : XX/XX/XXXX ( XXXX & XXXX ), XX/XX/XXXX ( Equifax ) The following issues indicate non-compliance with relevant consumer protection laws and credit reporting guidelines : Discrepancies in Last Activity Date : The date of the last activity on my credit report is stated as XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, and XX/XX/XXXX for Equifax. Such a significant difference in the last activity date is concerning, as it suggests inconsistencies in reporting across the three major credit bureaus. This lack of uniformity raises questions about the accuracy and fairness of the information reported, potentially violating the Fair Credit Reporting Act ( FCRA ). 

Inaccurate Credit Remark : The credit remark stating " reported as a loss by credit grantor '' by XXXX is misleading and potentially damaging to my credit history. This remark is not only unclear but may be inaccurate, violating the FCRA 's requirement for creditors to report accurate and fair information. 

Date of Closure Discrepancy : The account closure date is reported as XX/XX/XXXX by XXXX only, with no corresponding information for Equifax and XXXX. This disparity creates confusion regarding the status of the account, making it difficult to ascertain the account 's history and compliance with the FCRA 's regulations. 

I kindly request that the Consumer Financial Protection Bureau investigate these discrepancies and potential violations of the Fair Credit Reporting Act. Furthermore, I would appreciate your assistance in addressing and rectifying these issues with XXXX XXXX XXXX, to ensure that my credit report accurately reflects my financial history in accordance with the law. 

Please find enclosed copies of my credit reports from XXXX, XXXX, and Equifax, highlighting the discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response and any guidance on how to proceed in resolving this issue.
Consumer complaint received 2024-04-06
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Self Financial Inc. (GA)

XXXX U.S. Code 1 - Trusts, etc., in restraint of trade illegal ; penalty Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the severalStates, or with foreign nations, is declared to be illegal. This makes the reporting of the account in question inaccurate.
Consumer complaint received 2022-04-21
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. (PA)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX Balance : {$8.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX XXXX Balance : {$900.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX Balance : {$740.00}
Consumer complaint received 2022-04-21
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2016-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: National Recoveries, Inc. (PA)

I defaulted on a Federal Student loan. The XXXX XXXX XXXX XXXX has sold the loan to National Recoveries. The loan principal is {$65000.00} an the interest is {$5200.00} and Fees are $ {$17000.00} all of which total {$88000.00} plus everytime I try to talk to the collection agency the amount increases. I am on XXXX from work since the beginning of the year and let the organization know this. Everytime I try to negotiate and speak to someone, I 'm informed that no one is available to help me at the time of my call. I feel like I am being taken for a " ride ''. I have been threatened with Wage Garnishment of 15 % by the end of next week. I am not disputing that I owe my defaulted loans, I dont want to be a consumer that is taken advantage of. I have been investigating the company an I see that the XXXX XXXX XXXX XXXX has dis-continued their contract with National Recoveries. HELP!!!!
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely RESOLVED : 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-04-21
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)

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. 

XXXX XXXXXXXX XXXX XXXX Account # 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 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 2016-08-01
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I took a hit to my credit bureau report for a deceptive reason : I went through the checkout line at KOHL 'S department store on XXXX and was asked if I wanted to apply for a credit card. I initially said no. Then was advised I could get 30 % off my purchases if I applied. I again said no, but upon thinking of the discount I would receive off my {$160.00} purchase I then was convinced to apply. Upon being approved and final checkout, I noticed there was no discount. I inquired and the manager or lead came and gave me a {$0.00} discount as you can see from the receipt I included in this email. I was then told you ca n't get a discount on Levi jeans. The cashier is then co-signing this information. This strikes me a surprising that the cashier is now telling me this information as XXXX out of XXXX of my items are Levi jeans. Unhappy with this the manager/ Team lead person reminds me I did get 30 % discount off the {$2.00} shirt. Still unhappy and voicing my opinion about it. She then tells me " If I do n't want the card I can just pay for it all with another method of payment '' I then proceeded upstairs to return all the merchandise. I think it should be noted of this UDAAP violation as it would be a deceptive practice.
Consumer complaint received 2021-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I filed a identity theft report here is the number FTC report number XXXX I asked to please have these fraudulent inquiries removed XXXX  XXXX XX/XX/2021XXXX  XXXX  XX/XX/2021 XXXX  XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX  XX/XX/2021XXXX  XXXX  XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX  XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX  XXXX  XXXX  XX/XX/2021 XXXX  XXXX  XXXX  XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 2021
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (CO)

Ditech is currently reporting a closed account ( closed XX/XX/2017 ) as " Pay Status : >Account 30 Days Past Due Date< '' This account has been closed and paid in full for two years and now shows the current status as 30-60 days past due. Our credit score has  dropped on all three reporting agencies 40-70 points. We have disputed several times with the agencies and Ditech just " confirms '' the information. I have written and called Ditech several times with no avail. We need help PLEASE! This is being reported on both my Husbands and my reports.
Consumer complaint received 2017-01-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (OH)

Unfortunately my husband who paid all the bills and took care of all finances passed away unecpectedly XX/XX/XXXX. Prior to that in XX/XX/XXXX he went to a debt consolidation company which we thought was legit. We signed the agreementa and made the payments. Unfortunately after his death, I had to seek a probate lawyer because he died without a will. She explained their practices and at that time I found none of the payments had been applied to the credit cards which meant all were already in default. She suggested I make a settlement with the credit cards. I did so with the two I thought I had and had contact with. This credit card company has not made any claims to this debt until now over 2 years later. I look on XX/XX/XXXX and it shows XXXX balance so I assumed it was the Citibank I already paid. The only reason I found out is I have been trying to bring my credit score up and I constantly look at XXXX. There was an open collection listed on my report for XXXX. I have since learned it is a debt collector for Citi Bank. I did make a XXXX payment to Citi Bank on XX/XX/XXXX which I thought settled everything. To my horror this is another account. I have ripped the house apart for any type of paper trail on this account and I can not find one piece of paper. We were in desperate financial trouble at the time of his death so I am not doubting that he opened this card. Once he passed I had no acces to any account info because it was on his work laptop which was siezed in XX/XX/XXXX and I had no way of getting in it because of security measures. I did speak to XXXX today and requested account info but looking on XXXX it shows the acct closed collection/charge. 
I honestly thought I was climbing out of this nightmare until I got onto XXXX. I have been getting XXXX # calls but the lawyer said they can continue to call so I assumed it was what I thought was paid off. How can a company do this? It just destroyed my credit history that I have worked so hard scraping and scrimping to repair? I am desperate for help.
Consumer complaint received 2023-10-20
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. (PA)

i went to try to apply for a loan and my credit was pulled i became aware of multiple inquiaries that do no belong to me and due to these incorrect reading on my report its making it impossible for me to move forward in my daily living
Consumer complaint received 2024-04-06
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NV)

Synchrony bank, closed my XXXX limit, credit card. Being biased stating I was a risk. That is not a valid reason. When I paid on time each month. I missed a payment due to a drastic challenge in my life. I demand you open my account back.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (MA)

An address on my credit report does not belong to me. I dispute with the credit agency.

two out of the three remove it with no problem. the third refuse to remove it. The is XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-04-21
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. (FL)

On XX/XX/2020 I went to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon XXXX XXXX XXXX XXXX XXXX  I provided them with insurance information which was XXXX XXXX XXXX XXXX XXXX of Washington. At that time my employer was XXXX XXXX in XXXX, WA. They ended up diagnosing me with XXXX, even after my results came back three days later XXXX The hospital never once sent me a bill or itemized statement of the account that day. Until one day I found three collections on credit report. All of them were from this visit to the XXXX during XXXX. The hospital had billed my old insurance, XXXX XXXX. I have been trying to resolve this and get this off of my credit for over a year. The three collections were : one for the hospital bill ( XXXX ), one bill for the XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ), and the XXXX XXXX XXXX. So I received three bills and three collection accounts from this one visit. I provided the hospital with my insurance card and even had XXXX XXXX call them on a three way call so they could pay this. This hospital refused to give me a superbill and said there was nothing they could do, I needed to call the collection company it was sent to. So I did just that, they are unable to give me a superbill because they dont have it. SO I called the hospital again, and get another person and come to find out they told me the bill had been paid for by federal grant money. I do not understand how this can be allowed on someones credit. Someone who has no late payments whatsoever. I had to purchase a car this past year and Im going to have to refinance it because I am paying a much higher interest rate because of this. Now I have been trying to resolve this for over a year. Would someone please help me. I am a at the end of my rope. No one wants to help me, they keep passing the buck and all three credit bureaus are of no help either. I have disputed these items 2+ times. I have even asked for a copy of the debt from the collection companies and they refuse to send me one stating, you need to contact the hospital to get a copy of your bill. It is a never ending vicious cycle. Please help me. 
I finally did get someone to mail this for me and my dad listens to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-09
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (MS)

Greentree mortgage keeps calling me on my cell phone and leaving messages on my voice mail for a XXXX. I have called them several times and told them they have the wrong number. I also emailed them today, but still got another call. The last caller could n't even give me my phone number. She asked me is this you number XXXX times and neither was my number. The voice mails ask XXXX to call XXXX. Today the call returns have showed XXXX and XXXX. I do n't think they believe me. They have previously called me a wk to a month ago and I called them back and told them my number was not XXXX 's. Also, when I call their numbers back the automated system always wants to know my last XXXX of my ssn. I will not give that. The XXXX said I should file a complaint with you.
Consumer complaint received 2022-04-21
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. (CA)

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. 

XXXX XXXXXXXX XXXX XXXX Account # 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 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 2022-04-21
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)

I have requested from XXXX, Experian XXXX XXXX XXXX XXXX to verify with method of verification of an collection account on my credit report from " XXXX XXXX XXXX XXXX XXXX XXXX with letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. As to this date I have not received from XXXX, Experian XXXX XXXX XXXX XXXX any proof that this account is correct, I just receive back a letter stating that the account was verified with no proof. I have attached the letters sent to XXXX, Experian XXXX XXXX XXXX.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

Equifax & XXXX are still reporting inaccurate information by XXXX XXXX XXXX. They are reporting a balance and updating monthly on an account that has been paid some time ago. I have disputed it with the bureaus and they claim it is valid even though XXXX XXXX XXXX says it is XXXX and they are not the ones reporting wrong. They claim it is the bureaus who need to remove it.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (UT)

On XX/XX/year> It all started out I've had a family member of mine ( whom I will remain anonymous ) get access to my Wells Fargo CD savings by wanting to use my phone device for a phone call about an hour I Trustingly and mistakenly I agreed. A day or so after I discovered unauthorized purchases from XXXX of {$23000.00} worth of crypto currency through a company called XXXX, this is the 2nd time this has happened. Before I never knew until now my family member has since moved And I lost contact, anyway, Wells Fargo still believes I authorized these payments and denied my claim twice now saying I could of prevented it? How can I prevent a family member whom I once trusted scam me and disappear? It doesn't make sense for me to put {$20000.00} in savings just to make a big purchase! I need help emy money back since Wells Fargo has now removed my online access and restricted my debit card. I need help really bad.
Consumer complaint received 2022-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STANDARD MORTGAGE CORPORATION (TX)

1 ) the company gave me no notification that they were the new owner of my loan.

2 ) the company support phone line and email will not answer 3 ) they have no option to go paperless 4 ) I signed up for auto draft on the XXXX of each month, but they will not draft. I have to call and leave voicemails on the support line each day for 5 days after my draft until it is drafted. 
5 ) they do not allow me to make one time, lump sum payments towards my principal
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a problem with my checking account with Bank of America there was 2 Fraudulent Transaction done in my account for the amount of XX/XX/2022 for the amount {$31.00} and another fraudulent transaction {$72.00} XX/XX/2022 i never did any business with XXXX XXXX or gave my card information to this company and also the XXXX transaction {$72.00} i never did any purchase on my account for this transaction on XXXX please help me with the dispute i contacted Bank of America customer care and they still havent resolved this problem or provide me a temporary credit on my account and I should not be responsible for this fraudulent transaction