davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I settled a charged-off credit account with the XXXX XXXX  XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX and Equifax continue to report late payments in the last 60 days on this account despite it showing the account has been satisfied with a {$0.00} balance. Both credit bureaus have reported late payments for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I have filed multiple disputes requesting this to stop. My credit score remains low because of this negligent reporting.
Consumer complaint received 2018-01-22
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. (WA)

For about 6 months, I have been disputing an collection account placed with the credit bureaus by XXXX XXXX XXXX XXXX XXXX. 

This is not my debt. I have previously called the public phone number for XXXX XXXX XXXX and explained that I am not going to pay a collection that is n't mine and to remove the fictitious report from my credit report. The debt collector hung up on me. 

I have disputed with XXXX and Equifax and they have still not removed the account from my credit report. 

I have filed a CFPB complaint ( # XXXX ) against XXXX XXXX XXXX and their response was they will be requesting validation and send it to me. 

In the meantime, they are tarnishing my credit. 

CFPB please help me. This company must be investigated for these illegal acts. They are ruining my credit report. XXXX XXXX XXXX is responsible for me being denied for a credit card solely based on a collection account they reported.
Consumer complaint received 2023-02-05
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: CBC Companies, Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 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 have violated my rights .

15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information other records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for an account at XXXX XXXX XXXX today XX/XX/2020 and when they ran my credit, I was told that I didn't qualify to open an account with them because of two accounts reflecting badly on my credit report. The names of the accounts are XXXX/XXXX  and XXXX XXXX XXXX XXXX. Neither of these accounts belongs to me and I did not give anyone permission to open these accounts with my personal information. I did not benefit anything from these accounts such as money, goods, services or any other type of benefit and I did not make any transactions or payments towards these accounts. I already got in contact with both companies and filed a police report regarding these suspicious accounts.
Consumer complaint received 2020-03-06
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. (CA)

I applied for an account at XXXX XXXX XXXX today XX/XX/2020 and when they ran my credit, I was told that I didn't qualify to open an account with them because of two accounts reflecting badly on my credit report. The names of the accounts are XXXX/XXXX  and XXXX XXXX XXXX XXXX. Neither of these accounts belongs to me and I did not give anyone permission to open these accounts with my personal information. I did not benefit anything from these accounts such as money, goods, services or any other type of benefit and I did not make any transactions or payments towards these accounts. I already got in contact with both companies and filed a police report regarding these suspicious accounts.
Consumer complaint received 2020-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank defaulted my CareCredit account using unfair and deceptive practices by failing to deliver billing statements, failing to notify me of an issue, and not providing any notice of late payments or account delinquency. In speaking with Synchrony Bank, they claimed my initial statement was returned to sender. I have verified with them that they have had my correct address on file the entire time. They made no attempt to contact me via mail, email, or phone to resolve the issue or confirm my correct address. CareCredit also made no attempt to contact me about issues with my address or account. My account was then sent to collection with XXXX XXXX  without notification. XXXX XXXX  was able to send me the debt collection notice to the address Synchrony Bank and CareCredit had on file. I have not received one statement, late payment notice, or account delinquency notice from Synchrony Bank or CareCredit. This account delinquency has had a major negative impact on my credit score. The account I was very willing to pay, is now in debt collection because of Synchrony Bank 's and CareCredit 's actions.
Consumer complaint received 2023-02-05
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. (NV)

This is the second time that I have had to do a police report because the credit bureaus keep allowing someone to open accounts in my name. I had my car stolen with all my personal info in it about 4 years ago and ever since then someone keeps doing this. I mailed everything the credit bureau asked me to mail to them as proof and they only took off one or two of the accounts not all of them. Also two of my credit cards are showing as more than 30 days late and they were not. I sent in receipts and my bank statement as proof they were paid on time and they are still showing late on my reports.
Consumer complaint received 2020-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MD)

I have disputed the debt with all three credit reporting bureaus. My request was to verify and validate or delete. Equifax is reporting the debt as verified and accurate while XXXX  was not able to verify or validate the debt and has informed me that the debt will be deleted. I would like for Equifax to provide proof of verification and validation or delete the debt if neither can be provided just as XXXX
Consumer complaint received 2020-03-06
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 wanted to reach out because I was turned down when i applied for a credit card. I see there are some things on my credit that is not mine and needs to be deleted XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, DEPTEDXXXX, XXXX, XXXX, XXXX XXXX XXXX   AND XXXX XXXXXXXX. I have contacted the FTC and local police.
Consumer complaint received 2023-06-21
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: LEXISNEXIS (IL)

Regardless of the multiple written requests, the Bankruptcy account listed below is still reporting on my credit report which is a violation of FCRA. The XXXX XXXX failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, it failed to properly investigate the matter by using a third party as their verification provider and continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAU, it is willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the bankruptcy account below in my file XXXXXXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2017.
Consumer complaint received 2020-03-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX, I called into Wells Fargo to make an additional principal payment of {$20000.00} on my small business loan. I saw the {$20000.00} principal payment leave my external account and didn't think anything of it. I have made similar principal payments from this account several times before. 

On XX/XX/XXXX, I reviewed my loan statement and noticed the {$20000.00} principal payment was not. I called into Wells Fargo to let them know and gave them more details of the missing payment ( external bank account details, transaction details, etc. ) They had told me that this was applied to the incorrect loan number internally and they would put a rush to resolve the issue due to the time that has passed and high dollar value. They had told me that they submitted a research request and get back to me in a few days. 

On XX/XX/XXXX, I called into Wells Fargo and spoke with someone about the missing payment. After looking into the issue, I was told that there was a research request in but no one had taken action as the request was not clear. After explaining the issue again, they verified that the {$20000.00} payment was applied to the wrong loan. They also said that they would send an updated research request form that would hopefully resolve the issue. When I mentioned that I would like to log a complaint, I was disconnected. 

I do not know where my {$20000.00} went, if I will ever see that money, or how to log a complaint with Wells Fargo. I have lost enough sleep over this and just want this to be resolved.
Consumer complaint received 2023-02-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I was made aware that a ruling was made against Wells Fargo for Mortgages between the years of XXXX and XXXX for changing terms, etc, etc and had to pay back consumers for mishandling of accounts. I had a mortgage with Wells Fargo between the years of XXXX and XXXX and have not received notification on this and my email and contact information has since changed. I am checking to find out more information on how to find out if i qualify for damage payments.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I AM A VICTIM OF IDENTITY THEFT. I HAVE BEEN TRYING FOR SEVERAL MONTHS TO GET THIS REPORT CLEANED UP BUT THE BUREAU JUST KEEPS GIVING ME THEW RUN AROUND AND IGNORING THE FACT THAT THIS IS FRAUD. THEY ARE CONSTANTLY TELLING ME THAT THIS ACCT WAS VERIFIED BUT THERE IS NO WAY BECAUSEITS NOT MINE! YOU CAN NOT VERIFY AN ACCT THAT WASNT OPENED BY ME. I HAVE RECEIVED DEVERAL COPIES OF MY CREDIT REPORTS BUT NO PROOF OF WHAT THEY ARE CLAIMING IS VERIFIED. I NEED A SIGNED CONTRACT BY ME OR THIS NEEDS TO BE DELETED IMMEDIATELY BEFORE LEGAL ACTION IS TAKEN AGAINST THE BUREAU AND THE FURNISHER THATIS REPORTING. 
XXXX XXXX XXXX
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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
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. (MD)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I Sent Transunion several notices from US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX for immediatate removal of an account they are reporting on me twice. One account is in good standing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  not under dispute. 

Per the XXXX XXXX XXXX XXXX I gave Transunion the letter which states that my student loans have been transferred to a new loan servicer XXXX XXXX XXXX Until now, these loans have been serviced by the US Department of Educations XXXX XXXX XXXX, which services defaulted federal student loans ( XXXX is servicer loan was with when it went into default ). But because I have rehabilitated these loans, this letter serves as notification to the national credit bureaus to delete the record of default from your credit record ( DELETE XXXX ). Furthermore, you are again eligible for all of the benefits associated with the rehabilitated loans before default ( XXXX XXXX XXXX XXXX shows that Transuinon is reporting : 90 day late student loan, which should have been deleted upon rehabilitation ). Any question contact US Departement of Educations XXXX XXXX XXXX XXXX XXXXXXXX. 

The account that is in dispute is in a negative standing, Date Account Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX For the same US Department Of Education Student loan debt, thats exactly the reason why they have same Account Open dates XXXX XXXX XXXX XXXX XXXX XXXX 

The Negative Account Needs To Be Deleted IMMEDIATALY. Transunion says they will continue to update closed negative account for the next XXXX XXXX, along with positive account in good standing hurting my credit score negatively. XXXX and XXXX have Deleted XXXX XXXX XXXX XXXX XXXX  once I notified them of this clerical error which impacted my credit score negatively. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, I may be able to sue in state or federal court. I have the right to file an action to enforce an obligation of a consumer reporting agency to you under this chapter in any court as provided by the Fair Credit Reporting Act ( 15 U.S.C. Section 1681 et seq. ), as amended, or, if agreed to by both parties, the action may be submitted to binding arbitration after the you have followed all dispute procedures in Section 20.06 of the XXXX Business and Commercial Code and have received the notice specified in Section XXXX XXXX XXXX  ) in the manner provided by the rules of the XXXX XXXX XXXX. Transunion is not in compliance reporting on the same debt twice this is illegal.
Consumer complaint received 2023-02-05
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. (MD)

I Have an open investigation due to identity theft from the Equifax data breach and they ( the CRA 's ) stated it will take XXXX days to respond, however, the account is still reporting during the investigation time frame, this is currently reporting false information that is illegal and they are in violation AT THIS MOMENT. sure, take XXXX days to respond, but this needs to be removed until they respond. The FRCA also states these items must be removed until they can verify the account or investigation is complete. 

These accounts are fraud and should be removed immediately.
Consumer complaint received 2020-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

CREDIT COLLECTIONS SERVICE S SHOWING ON MY CREDIT REPORT THAT I OWE {$89.00} TO XXXX XXXX XXXX XXXX XXXX I CANCELLED THAT POLICY AND IT WAS PAID THIS WAS PAID IN FULL WHEN CANCELLED
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (NJ)

I am aware that, despite customers providing precise information, you have been employing pre-written standard form letters in responses to numerous disputes, complaints, and challenges. I understand this to be illegal since each customer complaint requires individual consideration and handling based on its own merits. 

My letters have been composed and generated using readily available software accessible to everyone. Refusing to process or address my letters would constitute a violation of 15 U.S. Code 1681i. It is against the law to delay processing consumer letters based on the assumption that third-party assistance might be available, as this does not qualify as a legal exception. Whether authored solely by me or with the knowledge and consent of my advisors, I am the responsible party for any letters bearing my name. Failure to respond promptly to my correspondence will be viewed as a willful disregard for my customer rights, leading me to contact my lawyer and pursue legal action. 
In accordance with FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the accepted standard of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe to be incorrect. The proper documentation and validation of all data in a consumer 's file before being made available for creditor use are crucial. Consequently, I treat this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, and I will not tolerate any misinformation linked to my name and financial history. I am determined to fight back vigorously. 

The accuracy of your credit report holds significant importance. The listed allegations fail to meet federal or state reporting requirements and can not be substantiated. I challenge these claims due to their non-compliance with basic reporting standards, which would instill greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. Reporting claims that do not meet regulatory requirements should not occur. Ensuring accuracy and adherence to appropriate formats mandated by the Fair Credit Reporting Act ( FCRA ) and standards like XXXX XXXX is crucial. I kindly request that you handle this matter with the utmost care and diligence. 

XXXX XXXX Late Payment {$0.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Collection XXXX XXXX Collection {$890.00} XXXX XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXXXXXX Charge-off {$5500.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>