davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

rerpoting incorrect information 15 U.S.C 1681 SECTION 604 A SECTION 2 FAIR REPORTING ACT XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX I do not recognize these inquiries on my credit report and did not authorize them to my knowledge. I have reached out to companies regarding these inquiries and have not received any responses on multiple dates.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

WFDS XXXX Balance Owed : {$8000.00} This account was involved in litigation and does not belong to me. I never established this account. This account was a result of fraud. I was contacted by a collection agency regarding the account that was obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
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: Experian Information Solutions Inc. (GA)

I have previously disputed an item with you ( XXXX XXXX Bankruptcy/ Reference # XXXX ), and in your response you verified the item as accurate, stating that you have verified by XXXX XXXX, but the information was reported by US Bankruptcy Court . I have enclosed for your review by the court. It is clear they do not report to you or any other credit reporting agencies. Also, it states that I have been Therefore, your original response to the accuracy of the item was inaccurate because it was reported as a discharge to the credit reporting agency by the court, which they clearly do not. Pursuant to the reporting requirements, the reporting does not comply with FCRA ( 15 USC 1681 and 1681i ) 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING : The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
In Addition : ( 15 USC 1681i ) Procedure in Case of Disputed Accuracy ( 5 ) Treatment OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general if, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re investigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Also, I did not give you written permission to obtain and furnish my personal information to the consumer reporting agency. 
( 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 instructions of the consumer to whom it relates. 
I did not give you written permission to provide any information for my consumer report.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

ID theft victim. These are the accounts that do not belong to me. im attaching an id theft affidavit. XXXX XXXX  XXXX {$570.00} XXXX XXXX  {$5700.00} XXXX XXXX  {$4600.00} XXXX XXXX XXXX {$2900.00} XXXX {$23000.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$0.00} XXXX XXXX XXXX  {$7900.00} XXXX XXXX {$790.00} XXXX companies are reporting late when my payments have always been on time. XXXX XXXX XXXX XXXX balance XXXX NEVER LATE XXXX XXXX XXXX  NEVER LATE XXXX XXXX XXXX NEVER LATE XXXX XXXX XXXX NEVER LATE XXXX XXXX NEVER LATE INQUIRES ARE NOT MINE XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

YOUR COMPANY BROKE MULTIPLE LAWS UDNER THE FCRA, MY NAME IS XXXX XXXX AND IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THERE ARE UNAUTHORIZED CREDIT CARDS AND TWO AUTO LOANS ALONG WITH HARD INQUIRIES WHICH IS HINDERING ME FROM GETTING APPROVED FOR MY NEW HOME. PLEASE LET ME KNOW WHAT I CAN DO TO HAVE THIS RESOLVED AND REMOVED ASAP.
Consumer complaint received 2019-06-26
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. (GA)

I have tried multiple times to have fraudulent information removed. It has been to no avail. I have submitted the identity theft affidavit and an APPROVED police report and the bureau refuses to follow the FCRA. I fee like they are trying to make the call that the police report isn't accurate when that his not what they are required to do by law. The police authorities deemed is valid and APPROVED it therefore the bureaus needs to comply with the FCRA instead of blatantly break the FCRA laws.
Consumer complaint received 2022-10-14
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. (FL)

Id theft victim These accounts are not mine XXXX XXXX  balance {$21000.00} XXXX XXXX XXXX {$21000.00} XXXXXXXX XXXX balance {$620.00} XXXX number XXXX ( i have my own card ) XXXX ( authorized user ) Not my account XXXXXXXX XXXX balance {$3800.00} ( i Have never paid late ) XXXX XXXX Never paid late DEPT OF EDXXXX XXXX This is in deferment till XXXX Never paid late DEPT OF ED/XXXX {$37000.00} this account is in deferment till XXXX never paid late
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (ME)

I WAS PREVIOUSLY AN AUTHORIZED USER ONE OF MY EX-HUSBAND 'S CREDIT CARD ACCOUNTS ; HOWEVER, I REMOVED MYSELF FROM THIS ACCOUNT A MONTH AGO, YET IT IS STILL SHOWING ON MY CREDIT REPORTS. THIS IS THE XXXX XXXX ACCOUNT. IT NEEDS TO BE DELETED FROM MY REPORTS IMMEDIATELY. I AM NO LONGER AN AUTHORIZED USER ON THIS ACCOUNT, I HAVE NOTHING TO DO WITH THIS ACCOUNT, AND I AM NOT RESPONSIBLE FOR IT. I HAVE ATTACHED SCREEN SHOTS OF THE ACCOUNT AS IT SHOWS ON MY CREDIT REPORTS. AGAIN, THIS IS THE XXXX XXXX ACCOUNT THAT NEEDS TO BE DELETED FROM MY REPORTS IMMEDIATELY AS I AM NO LONGER AN AUTHORIZED USER ON IT AND IT IS NOT MY RESPONSIBILITY.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (ME)

I WAS PREVIOUSLY AN AUTHORIZED USER ONE OF MY EX-HUSBAND 'S CREDIT CARD ACCOUNTS ; HOWEVER, I REMOVED MYSELF FROM THIS ACCOUNT A MONTH AGO, YET IT IS STILL SHOWING ON MY CREDIT REPORTS. THIS IS THE XXXX XXXX  ACCOUNT. IT NEEDS TO BE DELETED FROM MY REPORTS IMMEDIATELY. I AM NO LONGER AN AUTHORIZED USER ON THIS ACCOUNT, I HAVE NOTHING TO DO WITH THIS ACCOUNT, AND I AM NOT RESPONSIBLE FOR IT. I HAVE ATTACHED SCREEN SHOTS OF THE ACCOUNT AS IT SHOWS ON MY CREDIT REPORTS. AGAIN, THIS IS THE XXXX XXXX ACCOUNT THAT NEEDS TO BE DELETED FROM MY REPORTS IMMEDIATELY AS I AM NO LONGER AN AUTHORIZED USER ON IT AND IT IS NOT MY RESPONSIBILITY.
Consumer complaint received 2024-03-08
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (SD)

I deal with Carrington Mortgage Service. I reached out to them in XXXX when the rates were low about remodifying my loan. The rates were at about 2 %. I have tried to keep in total contact with these people to get this spearheaded. I have called at least once a week trying to keep on top of this. I have been met with so many different people telling me I had to do different things, right down to having to redo the paperwork!! First I faxed the paperwork. I called back to check and see if everything is ok. I am told the signature page got cut off. So I went down to XXXX XXXX and refaxed the signature page. I called back and was told that the whole thing had to be redone because of multiple errors! I had one error where I accidently put the yearly income instead of the monthly income. I was told they were sending me another packet so I wait and not packet. I call back and was told to download off of the website. Ok so I did this and resent the packet. I finally resent it again on XX/XX/XXXX. I call back to touch base and find out if it is good. I was told that it was in final review to call back following Friday. Before I had a chance to call back they sent me a paper telling me that my form was incomplete again!! Talk about mixed messages.. So I called again and was told to ignore that notice that they had the final paperwork. To my surprise they are telling me that I was not getting the 2 % but I am getting 4.62! because I was told I got the rate that was standing when the paperwork was approved. My loan now is at 4.75 % I feel that they were leading me around to get by interest rate. How can my paperwork be incomplete and approved within 4 days of one another without any revision? I feel that I am being discriminated against and taken advantage of and the victim of predatory lending practices. I am almost to retirement age. I have had to deal with XXXX among a host of other XXXX  issues since XX/XX/2021. I have been told by numerous people for a big fee {$4000.00} and up they could help me. I don't have that either. I need some serious help with these people and do not know where to turn.
Consumer complaint received 2024-03-11
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. (TX)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I HAVE NOT AUTHORIZED. I VISITED A NIGHTLCUB IN 2018 AND MY WALLET WAS STOLEN, IVE CONTINUED TO MONITOR MY ACCOUNTS BUT NOW I SEE CREDITORS ON MY REPORT THAT I HAVE NO AFFILIATION WITH OR KNOWLEDGE. I SEE SOMEONE HAS BEEN ATTEMPTING TO OBTAIN LINES OF CREDIT FROM CREDITORS SUCH AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I'VE CONTACTED THE BUREAUS INDIVIDUALLY IN REGARDS TO THIS MATTER VIA PHONE AND MAIL. THESE ACCOUNTS ARE NOT VERIFIABLE, AND NEED TO BE DELETED. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED TO MY CREDIT WHICH IS IN VIOLATION OF 15 USC 1681 FURNISHING ACCOUNTS RESULTING IN IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO REQUESTED THAT MY ADDRESS BE UPDATED AND ADDRESSES WHERE I'VE NEVER RESIDED ALSO BE REMOVED FROM MY PROFILE.
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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. (AL)

In accordance with 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 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 HAS VIOLATED MY RIGHTS 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2023-10-21
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. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any inquiries listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I AM XXXX XXXX I HAVE SENT MULTIPLE LETTERS TO THE BUREAUS BUT I DO NOT RECEIVE A RESPONSE. SOMEONE TOLD ME THAT THEY ARE SHREDDING LETTERS THAT THEY THINK IS FROM A THIRD PARTY. HOW CAN THEY DETERMINT THAT? I AM THE ONE SENDING MY LETTERS AND THEY ARE VIOLATING MY RIGHTS.
Consumer complaint received 2018-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I opened a previous complaint with Navient asking them to research why our children are now in their XXXX and we still have a large balance. Over the years we have been contacted by Navient a number of times instructing us to combine our children 's loans, keep in mind we did not ask they contacted us. When I call customer support they did not offer any solution or attempted to investigate why our balance is still so high. The previous complaint created through CFPB was closed because my wife was part of the complaint but Navient said they could not work with us because she was not part of the loans. I called Navient and added my wife to the account as was to here a response within 30 days. They 30 days have past, no response was received and CFPB closed the case. Everywhere we turn we are not getting any help. We are close to retirement and still have a large balance even though we have paid on a regular basis for over 18 years. Keep in mind during that time our account has changed organizations without our input.
Consumer complaint received 2016-06-28
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc. (CA)

Company claiming to be a debt collector keeps calling me and texting me from different numbers stating I have to pay for a payday loan from Advanced America from XX/XX/2013, and that they are going to come to my job and arrest me. They state they are calling from XXXX and I spoke with a gentlemen by the name of XXXX XXXX. I have received calls, text messages and voicemails from the following phone numbers : XXXX, XXXX, XXXX and XXXX.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Good afternoon Sir/Madam I really hope you could help me with my case. 

I have a checking account with USAA and after depositing a check from my school, my account got blocked without any communication. 


Which really surprised me, since I called them before I deposited the check and they actually raised the credit limit especially for that purpose. A few hours later my account was blocked and still is at this very moment. 

I have no access to my money to buy groceries or get gas etc and my husband is  XXXX. 

I tried to contact USAA over the phone which is the only way of contacting them since they blocked access to the app as well. The phone has an average wait time of 7 hours and 49 minutes (! ) The next physical USAA office is an XXXX XXXX drive, so I cant go there in-person either. 

This is unacceptable, especially since it turns out, that I am not the only experiencing this issue ( see other peoples comments on USAAs XXXX site ). 

As soon as you are locked out of your account and thus, mobile app, USAA doesnt offer any emergency hotline or other ways of communicating with them in a case like this, other than waiting on the phone for over 8 hours. Even for a complaint you have to wait for over 8 hours. I have been advised that the phone numbers of members with blocked back accounts are flagged and have to wait longer to get someone over the phone. 

This is unacceptable and I really hope that you could help with my case, but also, for future references, can have a firm talk with USAA about their customer service in a situation like this.
Consumer complaint received 2022-04-21
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (VA)

I am applying for a VA loan with Caliber Home Loans. I meet all qualification criteria and intend to occupy this home as my primary residence. However, my loan officer told me Caliber Home Loans does not believe I will occupy this as my residence and has rejected my application. They are discriminating against me and not taking my intent to occupy on face value because I am a property manager and own multiple homes. They believe I am lying and will buy this as in investment home. I do intend to move in, and I have told them that I am downsizing because my son is going to XXXX  and we need to move closer to the school our girl 's attend to reduce our commute time. My closing is on XX/XX/XXXX and I am in jeopardy of missing my closing date. Since they have delayed this process, if I go with another lender my interest rate will increase by more than 1 %. This is very stressful and I do not believe they are acting ethically. As a veteran, I served my country and now my integrity is being questioned and I can not get a loan simply for the fact that the underwriter does not believe I will be moving in the home. Please help me so I can move forward with closing on, thank you so much.