davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$310.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$100.00}
Consumer complaint received 2023-05-22
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. (KS)

For the last XXXXl years I have been disputing an account on my credit repirt that is not mine. the account shows discrempencies and I have placed a fraud alert and filed a identity theft report with FTC. I have asked for the contact that I signed for account and the credit repait companies XXXX experian and XXXX have not sent me that validation information nor have they removed this from my report
Consumer complaint received 2021-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
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. (OK)

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 U.S.C 1681. Account name : XXXX XXXX account numberXXXX.account name : XXXX XXXX account number:XXXX. Account name : XXXX XXXX  account numberXXXX. Account name : XXXXXXXX XXXX  Account numberXXXX. Account name : XXXX XXXX Account numberXXXX. Account name : XXXX XXXX XXXX Account numberXXXX. Account name : XXXX XXXX XXXX Account numberXXXX. Account name : XXXX XXXX XXXX Account numberXXXX. 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 State a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 C. ( 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 andodates the report by more than 7 years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) a person should 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 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Re : TransUnion XXXX XXXX XXXX XXXXXXXX XXXX This is further complaint and follow up to the above indicated reference numbers. 

XXXX XXXX XXXXXXXX and TransUnion keep ignoring my requests backed up with the laws concerning placing inaccurate informations on my credit report harming my personal credit in making financial decisions. XXXX XXXX  XXXX and TransUnion keep violating my consumer rights and the following laws : 15 USC 1681 Section 604A Section 2.

15 USC Code 5 1681b.

15 USC 1681 Section 602. 
Thus, XXXX XXXX XXXXXXXX and TransUnion both challenging the LAWS of consumer protections and both act in defines in providing adequate action to remove inaccurate and NO proofs ( written ) by consumer. On this occasion I the consumer lend a final demand for the XXXX XXXX XXXXXXXX and TransUnion to REMOVE inaccurate information from my report and I seek to use the LAW : 15 USC 1681n {$1000.00} each.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (VA)

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Consumer complaint received 2021-02-06
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. (IL)

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have TRIED several times but XXXX XXXX  and Transunion are still deciding to report illegal information on my credit file that could be a result from my identity being compromised from XXXX data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX, TRANSUNION AND XXXX is Reporting unknown Enquiries on my Credit Report. when I call they are Refusing to Delete it.
Consumer complaint received 2017-05-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Tebo Financial Services, Inc. (OH)

I have reached out to the company to get proof that the reporting information is correct and they will not send me anything back. I 've contacted them by mail with certified letters and still ca n't get a response.
Consumer complaint received 2018-06-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (SC)

Back in XX/XX/XXXX my ex spouse while I was XXXX defaulted on a mortgage of the home I won in a divorce. Unaware of the factor when I returned from XXXX, the bank ( Fay Servicing ) refuse to give me information without his consent. After several months going back and forth finally i was given access to the account. I went before a judge on XX/XX/XXXX with an attorney that pleaded for me to be given a chance to conduct a modification. The Modification process was started I was suppose to be given 30-45 days to complete and get a written answer. Fay Servicing only after 14 days denied my Modification given me no written response. Only a verbal denial from a XXXX XXXX who was assigned to my case. There was never a fair chance. now moving forward they have forced me and family to be evicted from the home. They refuse to allow me to buy the home back or even respond to any messages in trying to obtain a newly written loan with them to keep my home. 

New evidence is that the home had black mold infested in the walls. Which resulted in health matters for me and XXXX children. I have reached out to Fay Servicing they seem to never return phone calls and you can not even get through on the main line that I am using XXXX. I feel as a XXXX for my country, mother, and customer I was not given a fair chance or even compensated for all the legal fees and turmoil that has impaired my ability to keep shelter for me and my children. I even pleaded with the banks to allow me to purchase the house back offering money before it got to this point. I have paid over {$6000.00} to various entities including one bank to conduct a modification that was deemed the trustee under Fay Servicing. This injustice needs to be stop and investigated and corrected due to this business not conducting their foreclosures properly or given the consumers the ability to regain control after a financial hardship.
Consumer complaint received 2024-01-10
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: Experian Information Solutions Inc. (FL)

I am writing to request the removal of the following account from my credit report due to identity fraud : Creditor Name : XXXX XXXX XXXX XXXX Partial Account Number : XXXX 

I am requesting that this account be immediately removed from my credit report in accordance with the Fair Credit Reporting Act. I have already taken the necessary steps to report the fraudulent activity to the appropriate authorities and have included a copy of the proof of identification / address and the police report/ FTC identity theft report with this letter. 

I understand that it may take some time for the fraudulent accounts to be removed from my credit report. However, I am requesting that you provide me with written confirmation that the accounts have been removed within 7 days of receiving this letter.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2017-04-01
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates Says That They Purchased A debt From Someone That 's Mine From 2008 And Is Trying To make Me Pay a For It. They Have Been Harrassing Me Consistantly And Their Staff Used Intimidation Tactics On Me And purposely Put Derogatory Marks On My Credit Report. They Are Absolutly Aweful People And I Want This Harassment Of An Expired Debt To stop.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress
Consumer complaint received 2017-05-07
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)

The data showing on my  XXXX  account states : " {$10000.00} from  XXXX  to  XXXX  and {$500.00} from  XXXX  to   XXXX   '' for the credit limit. This is incorrect for the {$500.00}, the account was closed with a {$10000.00} limit.     This was previously disputed with the credit bureau and a second attempt was unsuccessful online with an error message.
Consumer complaint received 2023-03-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I got an adjustable rate mortgage from Wells Fargo. I made several attempts asking them to give me a fixed rate and they refused. I went to lawyers to help and they did nothing for me. I couldn't afford to pay the mortgage because it was too much. Lawyers filed bankruptcy but lawyers did nothing and Wells Fargo sold my house. Now they are evicting me.
Consumer complaint received 2024-03-20
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. (NV)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (CA)

XXXX XXXX XXXX XXXX XXXX disputed through XXXX as fraudulent/ identity theft XXXX XXXX XXXX XXXX XXXX  disputed through XXXX as fraudulent/ identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX disputed through XXXX as fraudulent/ identity theft XXXX XXXX XXXX XXXX XXXX XXXX disputed through XXXX as fraudulent/ identity theft XXXX XXXX XXXX XXXX XXXX disputed through XXXX as fraudulent/ identity theft
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/2021, an unauthorized wire transfer was made both from my Checking Account and My Savings account from Citibank. On XX/XX/XXXX, as soon as I realized money was taken from my account I contacted the bank by phone and went in person to the bank. The bank told me the name of the person the wire transfer was made to. I then also filed a police report. USD XXXX were taken from my checking account and USD XXXX were taken from my savings account. This is very unusual activity in my account, I don't understand how the bank authorized this transaction. After I warned the bank of the wire transfer, I filed out an affidavit and to my surprise, the bank took over 1 week to submit my affidavit to the bank 's fraud department, even though I made various requests that my situation be solved quickly. It was the beginning of the month and I had deposited all of my payments into the bank. All bills were dated to be paid, including my rent and other bills. I didn't even have any money to put gas in my car to get to work. The bank did not provide me with ANY support, they left me without any money. Interestingly enough, the bank decided to offer me a LOAN with an extremely high interest rate, since they argued that my checking account was new. The account was only new because they had to close the older one due to the unauthorized wire transfer. I had the other account for almost 10 years. Still to this day, the situation is not resolved, and it's been 23 days and I urgently need my money back to my account.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/2023 : Received a voicemail from BANK OF AMERICA Fraud Department ( XXXX ) XXXX stating call was in regards to a recent financial request that was received in my name and to return the call at ( XXXX ) XXXX. 

Immediately, I logged into my XXXX XXXX and XXXX accounts : The following information was posted on my XXXX credit report : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK OF AMERICA  got a copy of your XXXX  Credit Report. 

BANK OF AMERICA made a Bank/Credit Card Inquiry by checking your XXXX  Credit File . When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Alert Details Source XXXX Company BANK OF AMERICA Address XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX I called BANK OF AMERICA XXXX XXXX ) XXXX and XXXX as well to report the inquiry is not mine/identity theft. They both confirmed to me that no account has been opened as of today.They are both working on disputing/resolving the inquiry. In the mean time I did set up fraud alerts through my credit bureau for further protection in monitoring in future identity theft.
Consumer complaint received 2023-03-06
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)

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CT)

I made a payment of {$14000.00} to my Barclays Credit card via cashier 's check. Barclays cashed the check but did not credit my account for the payment. I contacted Barclays regarding the issue. They stated it takes 24 to 48 hours for the payment to post to my account. After waiting 3 days, I contacted Barclays again regarding the issue. I was then informed that it takes 7 days instead of 48 hours for the payment to clear. Today is day 8, and still, no payment posted to the account. Again I contacted Barclays to request an email where I can submit a copy of the canceled check, and after being on the phone for an hour+ I was told that it might take 2 billing cycles for them to finish the investigation I started on XX/XX/XXXX. I requested an email or a supervisor above the person whom I spoke to she apologized and said there is no one above her and put me on hold, after a couple of minutes the called was dropped.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry dateSep XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry dateJan XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX, XXXX Delete these unconfirmed inquires lacking certifiable evidence unless physically certified verified proof is demonstrated per US CODE 15 U.S.C . 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. These inquiries were made without authorization and without legitimate business purposes. Remove Immediately off my credit report. 
Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 

Thank you, XXXX XXXX