davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

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 Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX BANK ) XXXX
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is a student loan account " XXXX XXXX '' on my credit report that closed in XX/XX/2019 and is reporting a history of late payments, which is incorrect and deceptive information. This account was fully paid every month and closed successfully with the creditor before it was transferred and consolidated into my US Dept of Education Student loans, and yet they deceptively reported months of missed payments. I am asking for expeditious removal of this account, which is reporting fraudulent information and is in direct violation of my rights under the FCRA.
Consumer complaint received 2022-01-02
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: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2020-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NY)

syncs/care credit and XXXX XXXX/ XXXX  are reporting negative on my credit report and i have not opened an account with them. i have tried calling them but have not be able to get any help resolving this problem
Consumer complaint received 2019-12-17
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. (FL)

inquiries i do not reconize 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 2021-12-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX I received a letter from Wells FargoBank indicating a charge for a deposited check was returned on XXXX XXXX I contacted the bank and spoke with a Wells Fargo representative informing them that I did not deposit a check and was informed that it was made via mobile deposit and that it was from a separate account that I am the primary over. I informed them that the only deposit I was aware of is a direct deposit I have set up but nothing outside of that and that someone must have accessed my account fraudulently and made a deposit and that I would like to receive a copy of the check so that I can file a police report.Upon receiving this check via mail on XXXX XXXX it verified the check amount of {$1500.00} and it had a fraudulent endorsement of my sons signature. I received another letter on XXXX XXXX stating the my accounts ending in XXXX and XXXX would be closed on XXXX XXXX. I am writing this complaint because I did not make these deposits and would like to have my accounts remain open because Ive been a member of Wells Fargo Bank for more than 20 years and this is a complete inconvenience and bad experience. I have contacted Wells Fargo Bank repeatedly to discuss this matter and was told it would not be resolved.
Consumer complaint received 2022-01-02
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-03-19
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. (TX)

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. 

Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX  : Account XXXX Account Name XXXX XXXX  XXXX Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/2022 XXXX 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 2024-01-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TN)

My husband and I switched mobile carriers from XXXX XXXX to XXXX. When we switched they released our phones and numbers because we had a {$0.00} balance. XXXX paid off our plan when we switched carriers and the balance was paid in full. XXXX has reported to his credit report and mine as well.
Consumer complaint received 2022-01-02
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: LEXISNEXIS (GA)

Lexis nexis said they verified that I with a supposed clerk of court that a name matching mine filed a bankruptcy with the clerk of court. I expressed to the rep this is in no way true. It is my understanding that the county clerk is not allowed to give my information to a third party anyways so even if I did how would they know accurately to verify any of this.
Consumer complaint received 2019-12-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$50000.00}, {$11000.00}, {$8500.00}, {$5000.00}, {$1100.00}, {$260.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

3. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 


-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account. 


-- COLLECTION -- 6. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260.00} -This is not my account.
Consumer complaint received 2019-12-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CountryPlace Acceptance Corporation (SC)

I owed XX/XX/XXXX - {$660.00} paid & posted XX/XX/XXXX ( countyplace collections dept XXXX in Collections took payment over phone ) and I agreed with her to pay XXXX payment on or before XX/XX/XXXX well I paid it as agreed XX/XX/XXXX electronic Ach payment with receipt confirmation payment posted XX/XX/XXXX my bank transaction # XXXX - unbeknown to me why but Countryplace refunded {$660.00} mortgage payment back to my checking account on XX/XX/XXXX no return description of why no phone call and no mail correspondence explaining this action. this put my mortgage account two months in rears I also paid late fees separate for the XXXX and the XXXX late charge. in amount {$35.00} this too was returned. 
I had sent paperwork as I was attempting for the second time to file for loan modification, however in doing all I could to reduce my debt I was able to reduce my homeowners insurance from {$1400.00} almost {$400.00} a year to {$1100.00} yr and my property tax from {$340.00} a year down to {$100.00} therefore my mortgage Priniciple and interest being {$410.00} monthy and by adding Tax and Insurance my new payment monthly would be {$510.00} monthly affordable enough that I could put it back on automatic payment from my checking account. and remain on tract. However I am told by Countryplace that they will not intervent for me, an individual to make any such adjustments until my Loan anniversary which is XX/XX/XXXX. I asked that if there were to do a loan modification would that not be doing changes on an account on an individual basis? Well approximately 60 days from now thereby I told them it is no need to do a loan modification. I will continue paying as I can and be relieved when they adjust my mortgage XX/XX/XXXX. So now they are returning my mortgage payments and I want to know why. So why would they return my payment at a time when I am struggling to keep catching up payments. Are they trying to force me into foreclosure? I am enclosing copy of my bank transaction showing the payment ant the refund back to account from countyplace for XXXX Mortgage Payment and the Late fees foe XXXX and XX/XX/XXXX
Consumer complaint received 2019-12-17
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: ONEMAIN FINANCE CORPORATION (CA)

I reviewed my XXXX, XXXX  and XXXX  and l discovered a fraud unauthorized inquiry on my credit report .A Financial Institutions by the name of One Main Loan in XXXX Indiana . 
I didn't apply or authorize no creditors to pull my credit online or by phone and l didn't sign me documents with my official handwritten I am XXXX XXXX and Retired.
Consumer complaint received 2024-03-19
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)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ambassador Mortgage, LLC (LA)

Started in XX/XX/XXXX until the day before closing. Ambassador Mortgage had me waiting on clear to close documents and never send it to tile company the day before I got a text stating she still working on paper work. I paid XXXX.to secure the house plus inspection, appraisal twice and i walk through, signed paperwork to have the utility cut on. I discussed with her how long it would take to have a clear to close.by time i have send all my paperwork and more. After servical weeks i ask her to send my doc over to another agent. she wouldn't transfer my paperwork XX/XX/XXXX to another agent because I kept asking can you get it done she said yes I'm working it I will have in your house. The day of closing no paperwork. My contact was canceled.
Consumer complaint received 2019-12-17
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. (TX)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

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. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Southwest Credit Systems, L.P. (PA)

About 6 years ago, I got tired of XXXX randomly changing monthly payments without notice. I called them to canceled but they told me that I was already prepaid for the upcoming month ( since they pre-pay the account a month in advance ). I told them to tell me what that date was and to close the account a day prior and I would sent it in their equipment. Few days before the closing date, someone from XXXX called me to incentivize me ( offering a deal ) not to cancel the account. I contemplated but ultimately told them I still wanted to stick with my cancellation. I turned in the equipment a few days later, as we had agreed. But of course, about a month later, I still get a bill as if I never cancelled. I spent almost an entire day on the phone with them and they apologized as they realized that their representative had given me the wrong date AND the other representative had removed my cancellation all together!!! Many hours of being on hold and being transferred to a manager, they acknowledged that they have received the equipment and acknowledged that I couldnt have been using their services and it was their misunderstanding. It was assured that they corrected everything and that if I got another bill, I can ignore it until the system sees the adjustments. So I received a bill once more and nothing after that just like they had said. So I trusted that it was all over with. Almost a year later I got a collections letter!!! I cant remember all the details since that point because Ive called collections and Ive called XXXX multiple times. Each time, they put me on hold for about an hour, tell me Im right but that they need a manager to fix it and by the time the manager comes on, they change the story and say I still owe this amount. Ive spent so much effort and they cant even acknowledge that if its confusing to their own representative over all these years, how can they be sure I owe this amount when they have the notes from when I called to cancel and the equipment was received!! I cant see all that they see to help them understand that I did everything they asked me to!! At this point, my main complaint is that they keep removing the report every 1-2 years and give it to another creditor which reports it as a new delinquent account. If it has to stay on my credit report, can it at least show the factual correct date of the delinquency which is around 6 years old and not just 1-2 years old?? Is this even legal to change the dates to appear as a new delinquent account?
Consumer complaint received 2019-12-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: General Motors Financial Company, Inc. (SC)

GM Financial was not reporting my car loan back in XXXX. Now al of a sudden, they want to report everything. it is showing that I had a late payment in XXXX. My payments are due on the XXXX of each month. I made the payment on XX/XX/XXXX. I do not understand how this would be considered 30 days past due if I paid in it on the date that the payment is actually due. 
XX/XX/XXXX Processed {$580.00} *****XXXX