davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I ordered a copy of my report in XXXX dated XX/XX/23 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe was reported in error. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Consumer complaint received 2021-03-12
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: EQUIFAX, INC. (WI)

Equifax addressed one of the issues, but not my concern of how they continue to report the utilization of my credit being at 47 %. 
My card utilization is only 8 %. 
After contacting XXXX they made the correction right away. 
Seeing that this aspect of credit card utilization is essential to repairing ones credit. 
The refusal to correct this error seems intentionally underhanded. 
I've no response regarding the correct reporting of my card utilization. 
Can I sue them for this?
Consumer complaint received 2020-03-12
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: EQUIFAX, INC. (NC)

Within the past 3 months, I have tried at least 2-3 times to  get an invalid trade line, being reported by XXXX XXXX, removed from my Credit Reports. However, despite the conclusive evidence that I have sent in, XXXX Equifax,  & XXXX  will not remove this trade line because they are in bed with XXXX. 

Anyhow, I have also disputed this trade line directly with XXXX and they refuse to delete it. Fortunately, XXXX sent me a printout of what they consider to be validation of the debt. However, this printout clearly contradicts my payment history. 

For the billing period XX/XX/2018 to XX/XX/2018, the docs sent to me by XXXX claims that I had a previous balance of {$380.00} and no prior payment was received. However, I have attached the email from XXXX showing that I made a payment of {$100.00} on XX/XX/18. Cell phone bills are paid prior to the billing period!! 

Furthermore, XXXX isn't reporting the last payment date or when the account became delinquent. 

I have attached to this complaint my last 3 payments to XXXX along with the bill summary that was sent to me by XXXX as debt validation.
Consumer complaint received 2023-01-24
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)

When I checked my credit report, I found that part of the information was inaccurate. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting items as unconfirmed information without supplying evidence within the legally required amount of time. The following false information in my credit report must be investigated and omitted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CREDITXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (VA)

Ive been a loyal customer at Wells Fargo since XXXX till XX/XX/XXXX ( shouldve ended up before ). I was trying to pay off my credit card because the interest rates were killing me, I was paying on each statement more money to see if I could lower the interest rates paying double or more of the minimum payment due. I stopped using that card for long time trying to pay off my debt but they kept charging me same interest rates as if I was paying the minimum amount. I spoke with a banker and I complained about the ridiculous amounts theyre charging me every month, she said that they can reimburse one month which was like {$15.00} so I said I want to payoff my card and never want to open an account with them ever again!!! 
Besides that, in XXXX I used XXXX through WF to transfer money to my ex husband using his cel phone number. The money got lost {$900.00} XXXX and I complain directly to the bank I follow up with them for over 4 months back and forth and they said thay cant do anything even though my ex husband and I proved that he have that phone number for at least 6 yeas ago by that time, nothing happened, I lost {$900.00} + Last week my ex husband contacted me to let me know that WF sent me a check!!!

Five ( 5 ) years passed and they just figured out where that XXXX money went and sent me my money back from that transfer I made in XXXX??? Ridiculous, I hope that bank go out of business, there is no justification for any of this damage they cost me.
Consumer complaint received 2023-01-24
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2020-03-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (FL)

XXXX XXXX billed me for services I didnt receive. I closed an account when we moved in XX/XX/2018. XXXX  billed  for a month after the move stating that I didnt call in time before the new billing period. I did call and then called again when I didnt get the box to return the equipment. They claim that was the date I cancelled my service. I asked for a copy of the recorded call 5 different times and told it would be reviewed and I would be contacted. I never heard anything until I applied for a mortgage it showed on my credit report. The collection agency cant help me and XXXX just states the matter has been referred to a collection agency. I tried disputing it but they claim its valid. This is wrong!!! Ive always paid my bills
Consumer complaint received 2020-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NJ)

XX/XX/2020 Received notification from home insurance company that home insurance premium was not paid. Had a three-way conference call with insurance company. Loan company took details to overnight homeowners insurance payment overnight XX/XX/2020 Received another notification that homeowner insurance premium has not been paid. Call load company and held another three-way conference call with the insurance company and the loan company. The loan company rep indicated that they checked the closing documents and that they recognize a payment was due. The loan company rep said that the " overnight '' payment request was made and to allow 3 days for the " overnight '' payment to go thru XX/XX/2020 Spoke to a rep who said the payment was in process and the account payment would be made within 24 hours. 

XX/XX/2020 I spoke with a representative named " XXXX '' who confirmed that the insurance payment has not been made and there was no indication on my account that the payment was in progress or that one has even been requested. She said that she emailed it to the " Research '' department. " XXXX '' said that I could call back in 24 hours later and I could get a tracking number to follow this issue. 

XX/XX/2020 I called in to get the tracking number that was promised me the previous day. The rep I spoke to said that they do not provide tracking numbers. Had another three way conference call with the insurance company and loan company to obtain the " overnight '' address ( for the 3rd time ). During the course of the phone call with the insurance company the rep from the loan company hung up Home owners insurance is due to cancel in a week - will likely have to pay even though it should have been paid at closing.
Consumer complaint received 2023-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Dovenmuehle Mortgage, Inc. (MO)

My loan had a partial payment of {$70000.00} on XX/XX/2022, From the Department of veterans affairs and my mortgage company XXXX XXXX accepted the VA payment but yet has boarded this amount to XXXX  Ive ask for a copy of the all Promissory notes on XX/XX/XXXX to close my new loan with XXXX XXXX XXXX they will not send documents and refused to do proper paper work on Boarding the Partial claim to generate a acct number so XXXX  the new service can be paid It has cost me over XXXX XXXX dollars and all the appraisals, and late fees plus xtra mortgage payments I need help they want help me get away from their company they continue to make excuses my refinance want go thru unless they complete this, The Veteran Admin says Dovenmuehle meds to complete this and they refuse to complete it, it been almost 10 months Im really tired of no reply from them
Consumer complaint received 2022-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliant Capital Management LLC (VA)

On XXXX XX/XX/2021 my XXXX XXXX XXXX XXXX was fraudulently charged {$130.00} to XXXX XXXX NH. I immediately called the number for XXXX XXXX and refuted the charge. The agent I spoke with refused to verify the address provided for this charge but did verify the name on the account as mine but the email and billing address were not. I informed them I would dispute this with my CC holder and report as fraudulent but the XXXX agent did not agree to open a fraud case. 

XXXX refuted the charge on my behalf and I was forced to cancel the credit card due to it's compromise and I was reimbursed for the fraudulent charge. Subsequently, XXXX has engaged XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX to place a collection as a debt buyer for the amount of {$1500.00}. 

I have never received any written communications identifying the contract, addresses or phone number for this supposed debt. I did receive a formal letter from XXXX identifying the investigation into my fraudulent complaint as a valid fraud and I was reimbursed the charge.
Consumer complaint received 2020-03-11
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. (IL)

Experian has to be the only credit reporting agency that doesn't do any research. Because I have a credit freeze on my account. I'm still getting inquiries from companies that I have not applied for credit. I have a total of 7 that Experian refuse to investigate and remove. XXXX XXXX is also being reported on my credit report which I've asked Experian for a copy of my signature for this name I've never used.
Consumer complaint received 2020-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NM)

I opened 2 Trust Checking Accounts about 4 months ago. Since day 1, XXXX XXXX can not properly record the Address of the Trust. I have contact the Local branch as well as Wells Fargo Corporate office at least 4 times now, including about 3 or 4 complains online to the XXXX and CFPB. I have threatened to leave the bank a half dozen times ... .yet NOBODY at Wells Fargo is fixing the issues. All i ever get, are employees who are completely incompetent. Not 1 Wells Fargo employee has the brain power to simply RECORD THE PROPER ADDRESS. So the purpose of this Complain is : i went into the Local branch  today on XXXX XXXX in XXXX. I had 3 temporary checks made ( I NEVER RECEIVED MY CHECKS THAT I PAID FOR ) and they made me pay 3 dollars for them. When i got home, i realized the Bank DID NOT PUT THE TRUST NAME ON THE CHECKS, instead they put a legal name, NOT THE TRUST NAME ... .and they wrote down THE WRONG ADDRESS ONCE AGAIN!!!!!!!!
Consumer complaint received 2023-01-24
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. (NC)

This is XXXX XXXX and I am submitting this CFPB Complaint once again to request that you remove the disputed fraudulent accounts you have been reporting on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. I previously sent you a disputed letter dated XX/XX/2022 with complete attachments of my personal documents as well as the ID THEFT REPORT I received from the FTC. I am now requesting to you once more to remove the following accounts and information off of my Credit File : XXXX  XXXX Balance : {$120000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} XXXXXXXX XXXX XXXXXXXX Balance : {$8200.00}. If you believe that the disputed accounts belong under my name, I request of you to please send me copies of proof of verification or any documents supporting your claims that the disputed items are mine. If you can not find not provide any documents needed for the accounts ' verfication, immediate deletion of the disputed accounts will be appreciated.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

EXPERIAN IS REPORTING THE WRONG ADDRESS ON MY CREDIT REPORT. I ONLY HAVE ONE ADDRESS WHICH IS XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. ANY OTHER ADDRESS IS INCORRECT. I HAVE ATTACHED MY ID, SOCIAL SECURITY AND BILL WITH MY CORRECT ADDRESS. I HAVE NEVER LIVED AT ANY OTHER ADDRESS. ANY OTHER ADDRESS IS INCORRECT AND NEED TO BE DELETED.
Consumer complaint received 2020-03-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MN)

I sent a certified letter they had to sign for stating that I was on needs based aid and was unable to pay any of these deaths at this time and wished for them to cease contact with myself unless it was a discharge letter we have continued to send repeated letters continue to try to call my cellular phone have even called my work place that I used to work at it is ridiculous these people are just unbelievable and they did sign for the document stating that I was a needs-based aid I have a copy of the card stating that they sign for it and that they excepted receipt of it
Consumer complaint received 2023-01-23
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. (MS)

I have never given my consent for any company to report late payments on my credit profiles. This is also a breach of my right to privacy. 
Please see 15 U.S. Code 1666b Here are all of the late payments that have been published to my credit reports : Payment history guide 30 days past due as of XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to 15 USC 1681 E ( B ). I am entitled to an accurate consumer report. I have disputed these accounts numerous of time and they return as verified. Now, In the State of Georgia the Statute of limitations on a written contract in the State of Georgia is 6 years. Both of these account must be removed off my consumer report immediately. XXXX XXXX XXXX XXXX Allegedly {$10000.00} high balance. Allegedly Balance owed {$10000.00}. This account must be Deleted immediately. I will file for remedy for reporting inaccurate information on my consumer report.
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. (GA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-01-23
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. (MD)

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 to 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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also 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 1681 s-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 2023-03-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Ingo Money, Inc. (WV)

I have had my XXXX account for a couple years now I mobile deposit my paycheck every other month give or take I try to deposit XX/XX/2023 ingo or fXXXX XXXX XXXX refused to cash and there reply was this account appears to be in active so we are going to leave it
Consumer complaint received 2020-03-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

I sent a certified letter they had to sign for stating that I was on needs based aid and was unable to pay any of these deaths at this time and wished for them to cease contact with myself unless it was a discharge letter we have continued to send repeated letters continue to try to call my cellular phone have even called my work place that I used to work at it is ridiculous these people are just unbelievable and they did sign for the document stating that I was a needs-based aid I have a copy of the card stating that they sign for it and that they excepted receipt of it
Consumer complaint received 2023-01-23
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. (MD)

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 to 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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also 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 1681 s-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 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

I believe equifax did not read complaint XXXX because their response had nothing to do in regards to my complaint they gave a computed response as if my complaint was about inaccuracies but equifax is instead giving me a hard time to give me my credit file I even gave a state issues identification but their disregard to even read and accurately reply is huge red flag to me as a consumer. I did everything in good faith and this company is starting to show fraudulent behavior.