davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
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. (CA)

I am writing regarding my accounts referenced here : XXXX XXXX XXXX  {$460.00}, XXXX XXXX XXXX {$110.00}, XXXX XXXX {$330.00}, XXXX XXXX {$800.00}. 
I recently reviewed my credit report and noticed that the account is listed as Balance Owed, despite it being charged off and the requested issuance of a XXXX form. 
This account was charged off on and I subsequently requested a XXXX form, indicating that the debt is no longer being pursued and is considered " cancelled debt '' for tax purposes. However, my credit report inaccurately reflects an active balance. 

Under the Fair Credit Reporting Act, you are obligated to report complete and accurate information to the credit bureaus. The failure to update my account status, especially in light of the XXXX form, could be viewed as a violation of this act. 

I kindly request that you update the information with all credit reporting agencies ( Equifax, XXXX, and XXXX ) to reflect the charged-off status of this account with a balance of {$0.00}, consistent with the XXXX form. This update is crucial to ensure my credit report accurately represents my credit history. 

Your prompt attention to this matter is appreciated. Please send me confirmation once this update has been made. Maintaining an accurate credit report is important to me, and your cooperation is essential in this matter. 

Thank you for your time and understanding
Consumer complaint received 2020-04-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES (TX)

Provident Funding Associates, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Provident Funding Associates denied a refinance on our second home. Their underwriters tried to force us into a " rental '' mortgage ( at a higher rate ) because our grown daughter lives in the home. Tried to call it a rental even though she is on Title to the home along with us. This deception and attempted coercion should be punished. Provident was aware going into this refinance that it was a second home.
Consumer complaint received 2023-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (NY)

I received a letter from a collection agency months ago, and multiple letters after that, stating that I owe XXXX XXXX for I purchase out of state that I did not make. I actually havent been out of state in many years to be honest.
Consumer complaint received 2023-05-18
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. (WI)

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

I have disputed this account on multiple occasions, as recently as XXXX XXXX. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXX XXXX XXXX account XXXX does not belong to me.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am asking for the 5th time can Transunion and XXXX  please correct the Phone Number on my Fraud alert. The number they showing is some number that i never had, this is how i have so much Identity theft on my report Please Transunion and XXXX   update my phone number to XXXX that is my correct number.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (MO)

On XX/XX/20 XXXX transactions were fraudulently made on our Netspend account. One was for XXXX. That was a XXXX XXXX XXXX XXXX online. The 2nd one was for XXXX also a XXXX XXXX XXXX XXXX online. The 3rd transaction was for XXXX and it was sent from my account to another Netspend account. The other account it was sent to was someone I do not know. The name on my activity report is XXXX XXXX. Again, I do not know anyone named that. We became aware of these fraudulent charges the next morning, XX/XX/20 and contacted Netspend immediately. They told me they would need 10 days to look into it and on XX/XX/20 Netspend sent me an email stating that they determined no error in all 3 transactions and no changes would be made to our account. Again, we do not know any XXXX XXXX and we have never made any transactions online with XXXX XXXX. Those purchases were made without mine or my spouse 's knowledge. Thank you for your time
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX OF 2020 I GOT A CREDIT REPORT AND FOUND THAT THE 3 MAJORS BUREAUS WAS REPORTING MY INFORMAITON WRONG. I REACH OUT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. ASK FOR A VALADATION OF THE ACCOUNT THE RESPONED TO ME STATING IN WRITING THAT THE DO NOT HAVE ANY ACCOUNT THAT BELONGS TO ANYONE MATCHING MY NAME OR THE ACCOUNT NUMBER.
Consumer complaint received 2020-04-14
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AZ)

In XXXX there seemed to be an account with Rushmore mortgage which I never applied for nor did I hold a mortgage with. I signed, notarized and mailed my identity theft affidavit more than 3 times since XXXX. Also, I had filed a case with USPS with the Post Master General regarding theft from my mail box possible he whole apartment complex which I lived at the time. I never received any information, no letters, no certified letters nor statements for the account in question. I also hired several law firms to help correct this and yet XXXX  refuses to remove this from my credit report. I mailed Rushmore and they do not find me in their system with my name and/or information. 
XXXX  has refused to provide me with who, where and when they verified the information. Also, they have failed to provide me with the original documentation which they claim is accurate. Since Rushmore is not able to find my information, they can't provide me with any information, which has been relayed to XXXX and they still refuse to remove. I have spent over {$5000.00} in legal fees and XXXX 's of hours trying to remove this since XXXX I have sent certified letters to both Rushmore and to XXXX. There is no report of this account on XXXX  or XXXX, with my proof they both removed this item, except for XXXX.
Consumer complaint received 2020-04-14
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. (SC)

This credit reporting agency has not and continues to not physically validate or verify inaccurate items on my report that I have disputed. It is to my belief that an agent is using the E-Oscar system to scan my disputes through and simply validate or verify as accurate instead of doing an investigation and getting contracted documents for support. I have yet to have an original signed contract, or any physical signed documents for that matter, sent to me showing how theyve verified it as accurate. In my disputes Ive requested such documentation, and have I seen any? No. Please help, thank you so much!
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (GA)

XX/XX/ contacted Discover They are willing to defer payments due to virus but are still charging an outrageous interest amount and arent willing to remove it. 
I have another credit card that is doing both. These are the only two credit cards I have.

Discover is taking advantage of people with no income by charging outrageous interest rates during this crisis!
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX OF 2020 I GOT A CREDIT REPORT AND FOUND THAT THE 3 MAJORS BUREAUS WAS REPORTING MY INFORMAITON WRONG. I REACH OUT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. ASK FOR A VALADATION OF THE ACCOUNT THE RESPONED TO ME STATING IN WRITING THAT THE DO NOT HAVE ANY ACCOUNT THAT BELONGS TO ANYONE MATCHING MY NAME OR THE ACCOUNT NUMBER.
Consumer complaint received 2020-04-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

We, XXXX XXXX XXXX XXXX, wire transferred {$7800.00} on XX/XX/2020 from our Wells Fargo account/ XXXX PORTAL, to XXXX XX/XX/XXXXXXXX , XXXX XXXX XXXX XXXX XXXX XXXX Because we listed the beneficiary account number as same as ABA number of XXXX. So the beneficiary never received the money. We opened a recall case, case # XXXX, with Wells Fargo on XX/XX/2020. After two weeks Wells Fargo closed the case with a reason of no response from XXXX. We called Wells Fargo again and reopened another case. Same answer again on XX/XX/2020. We called XXXX and they answered the phone and said the fund of {$7700.00} was returned to Wells Fargo on XX/XX/2020 with a tracking number of XXXX  XXXX # XXXX. XXXX changed {$25.00} for bank service fee so there is a difference between the amount we wired and the amount refunded. 
We have called the Wells Fargo almost every day after XX/XX/XXXX, XXXX to now. Wells Fargo representatives refuse to help.
Consumer complaint received 2024-03-27
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital one Bank accepted fraudulent charges on my credit card I called them from a foreign country informing them of the fraud and I closed that card, they said I could not fight the charges until I was back in the United States. This was some three and a half years ago. I returned only recently. 
Upon my return Capital One said they could no longer fight the charges because it was out of calendar. My calls eventually reached a Fraud department manager who stated that I should have been given other options to fight the charges. They did not fight for their money nor for my cash deposit, however they did apologize. I requested a letter from them stating as much and to date have not received one. Capital One sold this inaccurate account to XXXX XXXX XXXX. I alerted them about the fraud as well as XXXX, XXXX  and XXXX. One credit reporting agency is no longer showing this debit after my repeated objections. 
XXXX XXXX XXXX will not stop reporting this fraudulent and inaccurate account. Capital One will not send me the letter stating they released this debt over me.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

This is my second complaint. Equifax responded to complaint XXXX by stating that the " problem has been fixed '' and I should go on line to reset my password to access my account -- -I have been unable to reach a human being at Equifax to UNFREEZE my credit for 3 months. 

Online, when I try to put in my personal information to reset the password, Equifax screen states " We are unable to help you at this time. '' I have tried again by phone, but my answers to their security questions are not accepted -- -they ask if I have had specific loans etc and I have answered the questions accurately. Then I am cut off. 

Neither the webpage nor their phone line provides a way to speak to a HUMAN BEING to resolve this question. I am unable to get through their messed up screening processes either on their website or phone and am stuck in an extremely frustrating loop. 

DID EQUIFAX REMOVE THE FREEZE ON MY CREDIT REPORT as requested? I have no idea, as they did not provide the answer to this question in their response to my CFPB complaint. 

In XXXX, XXXX I sent two CERTIFIED letter requests to Equifax to unfreeze my credit. I did not receive a Equifax signed certified letter slip for either letter. 

This company has complete control over my credit history. I did not ask to work with them, and believe that their license to provide this " service '' be taken away since they are completely inaccessible to the public. I doubt if they treat their paying customers the same way as they do people such as I who have just asked for credit freezes ( which was initially requested due to an Equifax data breach in XXXX! ) I need to get a new cell phone account, due to poor service in my rural area, and this issue has prevented me from accessing this or any credit for almost 2 months. Outrageous.
Consumer complaint received 2020-04-14
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. (OH)

Sister information is showing up on my Equifax Report. XXXX 's Social Security Number is  1 digit different from mine which is causing a mix-up. Equifax will not fix this issue. 
No action was taken by the company. Called multiple times submitted disputes, this has been a problem for years and continues to be a problem. 
These are the credit errors XXXX XXXX Mulitple Accounts {$130.00} {$170.00} {$480.00} XXXX XXXX- {$3100.00} XXXX XXXX {$3600.00} XXXX XXXX XXXX- {$21000.00} XXXX XXXX Mulitple accounts {$1600.00} {$820.00} {$790.00} XXXX XXXX- {$110.00}
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name 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 XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

The payment history and status inaccurate. Please provide procedure with the complete the investigation or remove. Last payment date is inaccurate as well. Please remove as this account is not accurate and effecting my score. FCRA 611 ( 15U.S.C. 1681 ) SECTION 603
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: NEW YORK COMMUNITY BANCORP INC (CA)

Received XXXX XXXX XXXX XXXX XXXX XXXX  enabled by XXXX XXXX from New York Community Bank. No date on letter. 

Even though I eventually found info on the XXXX website, this appears to be a fraudulent attempt to get a consumer to open up an account with this bank. In the small print it says 'If you do not agree to all the Cardholder Agreement Terms, you should cancel the card by calling customer service and request your funds in the form of a paper check '. I called both numbers on the letter which took me through to the same automated line. When you press 1 to get through to Customer Service you get an automated message wanting your to put in the card number and activate the account. I tried to chat and it was difficult to get past the robot- it doesn't understand anything to do with 'cancel card ' or 'request check '. After typing 'speak to an advisor ' it told me there was a 2 minute wait. Every 2 minutes I got the same message about 6 times and never got to speak to anyone. 

After finding a different number on the XXXX website I called that and there was a an automated message saying if you wish to cancel the account, to call the XXXX Customer Service number ( XXXX XXXX XXXX ) and choose option 4. This time I got through to the correct automated message which allows me to cancel the account and said there would be a XXXX week wait for a check. The date I cancelled my account is XX/XX/2023. 

New York Community Bank are making every attempt to get you to open an account with them and agree to all their fees without making it easy for you to request your XXXX XXXX XXXX XXXX XXXX by check. This is a disgraceful practice and without further investigation I would have dismissed this as a scam and missed my payment from the XXXX, or opened a bank account unwittingly with all the fees that are attached to that.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

At the beginning of the Covid 19 crisis my income was reduced due to the lockdown and I struggled to pay my bills on time. I was late in paying a XXXX credit card bill for a period of 3 months but ultimately was able to pay. I understood that there would be some forgiveness for late payments during this time however the lates show up for my credit card on the credit card bureau reports. I tried to get these lates removed as it is having a negative payment on credit score but the lates are still being reported.
Consumer complaint received 2020-06-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MD)

This company is reporting an inaccurate $ XXXX account on my credit report. I have contacted this company on several occasions but they state that their law office is handling this account. I have contacted this alleged company on several occasions and have not been able to resolve this issue. I contacted the original creditor who was not able to assist me with this because the account was sold they stated however the company National Credit Systems Inc is not a company that they are familiar with however again they are the company reporting this account on my credit report. I have requested documentation specifically from this company and they have yet to provide. I want them to provide proof of ownership, chain of custody, or evidence of assignment showing that they are the owner of this debt. It is my belief that this company and alleged lawyer office have some kind of illegal contracting going on. In almost 2 years I have been bounced back and forth. I want this mess remedied and deleted immediately.