davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (GA)

According to my consumer report I received dated XX/XX/2022, I noticed TWO discrepancies in the way you are furnishing my information. If you have not been made aware, there are various federal laws in place to protect me as a consumer and to construct this consumer credit transaction. As a gentle reminder, you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). 

According to 15 USC 1666 ( B ) if you adopted such reasonable procedures your company is required to mail or deliver a span of documents ( negative information notice ) no later than 21 days before the payment due date. As of today, XX/XX/2022, I have not received such documents that would allow your company to display TWO late payments to my consumer report. If your company has sent me such documents please provide documentary evidence that you did such as a tracking number and a wet signature from a return receipt that you sent to me. 

Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listing you have listed on my consumer report. As I, XXXX XXXX have contacted Self Lender, the corresponding information should not be listed on my consumer report. This account should PROMPTLY be updated as ON TIME.
Consumer complaint received 2024-03-12
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-19
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)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion/XXXX Credit Bureau has 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  XXXX XXXX Balance Owed : {$580.00}. 
XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX XXXX Balance Owed : {$66.00}
Consumer complaint received 2019-06-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RESIDENTIAL HOME FUNDING CORP. (PA)

On XX/XX/2018, I filed my initial complaint with the CFPB against Residential Home Funding for loan servicing issues. ( Initial complaint XXXX ) Residential responded to this complaint by way of the attached correspondence of or about XX/XX/2018 indicating a refund was issued in efforts to resolve the matter. 

This was not the case. A refund was never submitted or issues on behalf of this matter by Residential as indicated. In addition, the information contained in the notice indicated a error in the mailing and property address of the correspondence. 

This creates a more issues with our pursuit of a truthful resolution.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I contacted the credit bureau XXXX on XX/XX/23 by phone regarding an address that I never live there in my life. The representative told me they will not remove it at this time because I am disputing a creditor that associate the address in question XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I explained to the her, I have my license showing my accurate address. Also she can confirmed this with my mortgage thats on my credit report profile. How is this accurate reporting? 

Please can we do a proper investigation and fix this to reflect the proper information I currently have multiple disputes with all three credit agencies regarding this address I uploaded a photos to support my complaint My rights as a consumer are being violated under 15 U.S. Code 1681i ( 5 ) removal of inaccurate/ invalidated credit information
Consumer complaint received 2022-04-19
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: TRUIST FINANCIAL CORPORATION (CA)

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 2022-04-19
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: Experian Information Solutions Inc. (CA)

Im trying to update an account on my credit report to show an auto loan Ive been paying on is being reflected the amounts Im still paying and have being paying on is correct. I supplied the statement and payment history directly from the leinholder when I refinanced my vehicle loan to show the amounts as accurate
Consumer complaint received 2022-04-19
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)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXExperianXXXX Credit Bureau has not XXXX XXXX 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 XXXX  XXXX Balance Owed : {$580.00}. 
XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX XXXX Balance Owed : {$66.00}
Consumer complaint received 2022-04-19
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)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXExperianXXXX Credit Bureau has not XXXXomplied 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 inquiries that are reporting on my Credit Reports : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-08
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 did not authorize these creditors access to report to my credit report. 

XXXX XXXX XXXX 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 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Incordance with the fair credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 convergent account numbers Has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A States I have the right to privacy. 

15 U.S.C. Section 604 A Section 2 It also states a consumer reporting agency can not funish account without my written instructions. 

15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer report containing any of the following items of information any other advice item of information other then records of crimes which antedates the report by more then 7 years. 

15 U.S.C. 1681-2 ( 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 2019-06-18
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CO)

I filed chapter XXXX bankruptcy XX/XX/XXXX. Signed reaffirmation forms ( both by me and my attorney ) were sent to the Wells Fargo Home Mortgage the week of XX/XX/XXXX to be submitted to the court. XXXX XXXX I discovered my mortgage payments were not being reported to the credit bureaus. I was told by a male employee the reaffirmation was left sitting on someone's desk for 2 weeks, he would take of it and everything would be fine. I have tried both in XXXX of XXXX and again now XXXX to get them to fix this problem. Then and now Wells Fargo is telling me it was sent to them to late to file with the courts and that they will not report my payments to the credit bureaus. I feel since the correct signed reaffirmation paperwork was submitted to them by at least XX/XX/XXXX and the bankruptcy wasn't discharged until XX/XX/XXXX that Wells Fargo Home Mortgage had plenty of time to file the reaffirmation to the court and therefore should be reporting my credit to the credit bureaus retroactively for XX/XX/XXXX payment to present which have all been on time or within the banks 10 day grace period since I may pay from my bank on the due date and Wells Fargo may not post it for 2 to 3 days. Each time we have contacted them regarding this issue, they say they are investigating the problem and come back after at least a month and say it's my problem, no one told me it was on someone's desk for 2 weeks, no such phone call took place and they will not report my payments to the credit bureaus. I hope you can help me with this disgraceful way they are doing business.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one, has two fraudulent accounts reporting to my personal consumer credit report, which is encumbrances to me, this is effecting my credit worthiness, and causing me harm. I used this verbiage Capital one does not have my consent to use any identifying information and all said information is to be purged immediately or destroy immediately from their system. Any further use of identifying information pertaining to ( XXXX XXXX ) is deemed aggravated identity theft as described in XXXX XXXX XXXX.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1500.00}
Consumer complaint received 2024-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-19
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. (NJ)

My personal information is on the dark web according to my credit monitoring agencies. I spoke with a representative about some enquiries that did not originate from me or with my consent. I will want these enquiries removed from my profile. Below are the enquiries 1. Factual XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( No address or phone ) XXXX. XXXX XX/XX/XXXX XXXX XXXX credit XX/XX/XXXX XXXX XXXX XXXX XXXX  These XXXX enquiries are not recognized and unauthorized
Consumer complaint received 2022-04-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 19. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX BANK XXXX XXXX A Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

A letter dated XX/XX/XXXX informed me that recent Wells Fargo escrow analysis revealed a {$12000.00} shortfall in my escrow account. Their solution : to pay the lump sum by XX/XX/XXXX or effectively doubling my monthly mortgage XXXX & XXXX payment ( {$1600.00} to {$3300.00} ) starting on XX/XX/XXXX. How did this shortfall arise? Probably when Wells acquired the loan in XX/XX/XXXX and subsequently failed to perform the proper escrow analysis when they became the new mortgage servicer. 

I called Wells customer care on XXXX XX/XX/XXXX at XXXX XXXX, the only option they gave in lieu of doubling my monthly payment was the following : instead of paying the shortfall over a XXXX period ( doubles my monthly payment ) the customer service rep ( XXXX ) offered a XXXX re-payment period for the {$12000.00} shortfall ( almost doubling my monthly payment ). I said I need to spread that shortfall payment out over a longer term, which I'm sure they can offer but after transferring me to their Escrow Department, the Escrow Department refused. Instead, they told me to call their Home Preservation group the last week of May and explain it to them. That's their Loan Modification group. I told the Escrow Department Rep that I don't need a loan mod, I just need Wells Fargo to give me a longer term to make up the escrow shortfall that was a result of their mistake. 

Again, ( 1 ) I don't think that it's appropriate that my only choices are either a {$12000.00} lump sum payment due in a couple of weeks, or an abrupt doubling of the XXXX & XXXX payment that is due to their mistake. ( 2 ) Also, I don't need nor do I want a loan mod, which will only cause me and my wife further harm.
Consumer complaint received 2022-04-19
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)

The major credit reporting agencies ( XXXX, XXXX, Experian ), are giving lenders too much power over information reported by lenders about consumers. Credit reports/scores reflect whatever lenders are reporting including inaccuracies which has a catastrophic effect on consumers creditability. All of my accounts both open and closed are currently in good standings and have been since the duration of the account ( s ) open, yet my credit score continues to decrease. It went from a XXXX FICO score to XXXX within a year and a halfs time ; all without having one single negative remark. As a result, I have been turned down for employment as well as credit/loans based off of scores even though my payment history is 100 % paid as agreed for all my accounts. Creditors are manipulating the impact on the information about my consumer credit reports and are prolonging the resolution process by repeatedly reporting inaccuracies. Meanwhile, I continue to miss out on opportunities that would have been available to me had an accurate account of my creditworthiness been reported. There were times I made large payments and even paid off balances and my credit score continued to decreased based off of utilization and balances. Lenders have fabricated the details of their reports causing other lenders to close accounts that were in good standing. Many creditors have also decreased the credit limits on many of my good standing accounts causing my utilization and balances to spike to and above the available credit limits. Currently, creditors are manipulating consumers credit reports to accommodate for their own benefit rather than the consumers. Creditors are disregarding the set backs due to the XXXX pandemic and over flexing their powers to report consumers creditworthiness. They are offering relief to consumers but are not honoring the offers and/or maximizing higher interest opportunities during the relief process. Creditors are capitalizing off of the fall of the economy during the pandemic and taking it out on the consumers. Credit reporting agencies are enabling creditors to misrepresent consumers creditworthiness.
Consumer complaint received 2024-03-12
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. (UT)

I'm writing to discuss a problem I found on my credit report. It says I was late with two payments on an account XXXX and XXXX, but that's not true. I always paid on time. 
According to the law, when a consumer reporting agency makes a report about someone, they have to make sure the information is accurate. This means they need to check everything and show proof of verification. 
I've attached a copy of my credit report so you can see the mistake. Can you please check it and find proof that I was late? If you can't, I need you to fix the mistake and say I paid on time. 
This mix-up is causing me a lot of stress, especially since I'm a single dad with XXXX kids to take care of. I really need this fixed quickly to make things easier for us. 
Thanks for your help.
Consumer complaint received 2022-04-19
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. (TN)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the collection agency however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item need to be deleted.