davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Prince Parker & Associates (MO)

I have tried many times to get XXXX Credit Bureau to remove a collection from my XXXX credit report. They continue to have a Prince Parker and Associates collections on my credit report that Prince Parker admitted to was an error. I contacted the XXXX XXXX XXXX and they had Prince Parker contact XXXX to updated and remove the information from my credit report ( twice ). But XXXX Credit Bureau refuses to remove the inaccurate information. And has not given me a reason of why when I did dispute the collections. XXXX would not tell me what the letters stated from Prince Parker to remove the information for my credit report said.

This has caused a tremendous effect on my credit that was prefect before this. I have never missed any payments and have had credited for over 22 years. I am a senior in fragile health and this matter is causing me great stress because I have been going back and forth with XXXX since 2022 of last year. Please help me with a solution to this matter.
Consumer complaint received 2023-01-17
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. (CA)

Equifax is reporting a problematic account on my credit report. They did not possibly do a complete, accurate and throughout investigation. They never provided the method of verification or anything for the problem i have. They are violation the FCRA openly. This has caused severe emotional damage causing me to miss out on credit opportunities i deserve. I'm asking CFPB for help with this situation.
Consumer complaint received 2022-10-31
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. (GA)

I sent a letter out on XX/XX/2022 to XXXX, XXXX, and Equifax. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code $ 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talk to. 

How did they complete this investigation
Consumer complaint received 2023-01-17
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. (AZ)

In accordance with the Fair Credit Reporting Act. Everything has to be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated. However, how is that possible if last date reported, account number, payment history is invalid or incomplete in all XXXX credit bureaus. When it should be 100 % accurate. 

This is a continuous violation of my rights under 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 reporting consumer agency can not furnish a account without my written instructions. 

I demand to delete accounts : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX or # XXXX ( as they are different account numbers on each bureau ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XX I dont recognize any of these accounts, therefore. Please update everything 100 % accurate or delete them immediately. As they are causing me outrages interest rates. ( Example paying {$340.00} on a {$6500.00} car loan. ) This is my last letter in regards to correct this errors. I understand I have the right of up to {$1000.00}. For every violation on my credit report and will proceed as follows. 

Thank you for your time with this matter.
Consumer complaint received 2022-02-24
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account 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.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (FL)

To whom this may concern My name is XXXX XXXX, and I am wiring this statement on my own behalf. I recently discovered that I am a victim of identity theft. My reports reflect inaccurate things. My identity was used to obtain Finacial services and goods. I request that the listed items in this report and statement be removed immediately. Accounts opened without consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES ADDED WITHOUT CONSENT : XXXXXXXX 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 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to XXXX XXXX Transunion XXXX Transunion is supposed to ensure MAXIMUM ACCURACY. This account violates these laws 15 USC 1681 ( i ), 15 USC 1681s2, 15 USC 1681i5,15 USC 1681eb. Delete this Account this account shows different last dates of activity attached for Transunion XX/XX/XXXX and XXXX XX/XX/XXXX violates FCRA. 
XXXX XXXX XXXX XXXX XXXXXXXX Asking for full verification on this account following guidelines set forth by FCRA. Remove this account immediatley. 


Sincerely XXXX XXXX
Consumer complaint received 2023-02-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

My wife and I bought our home in 2019 with what we thought was a VA loan. All the paperwork was done through Wells Fargo, and it was notarized as a VA loan, then the day before we were to make our 1st payment, I received a letter stating that Wells Fargo turmed my VA loan into a conventional loan without notice prior. They said the VA denied my loan request. I contacted the VA and they said the no one had contacted them from Wells Fargo and that I was eligible for a VA loan an in good standing since I just paid off my last VA loan with the selling of our old house. The VA said they could not do this, I sent them the signed paperwork, but I have not heard anything back, It is going on 4 years now. How can a bank just change your loan after you have signed everything? I have spoken with Wells Fargo many times and they said they are looking into it, but the loan type has not changed. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2022-02-24
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: EQUIFAX, INC. (CA)

In Accordance to the fair credit reporting act XXXX XXXX  Account # XXXX that is reported twice violated my rights 15 usc 1681 section 602 A. I have a right to privacy 15 usc 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report it is a fact, I the Consumer am aware, that XXXX XXXXt as a financial institution did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out the disclosure of my nonpublic information and I wasnt given any directions on how to exercise my right to opt out of said disclosure of non public information in accordance with 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ). XXXX XXXX is in violation of 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. 

A financial institution such as XXXX XXXX in accordance with the definition under 15 U.S. Code 6827 ( 4 ) ( A ) and ( B ), must provide a notice of negative information in writing to the consumer no later than 30 days after furnishing the negative information. The negative information notice can not be in a previous billing statement in accordance with 15 U.S. Code 1637a pursuant to 15 U.S. Code 1681 ( 7 ) ( B ) ( ii ). I, XXXX XXXX, did not receive such notice and thus XXXX XXXX is in violation of 1681s-2 ( 7 ) ( A ) ( i ) and the information associated with these accounts must be removed.
Consumer complaint received 2023-05-03
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Advantage Collection Professionals, Inc. (NV)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2023-12-02
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft I have accounts on my credit report that I have Disputed which I spoking to the credit bureaus numerous of times, and they request a police report and a copy of my drivers license and I even sent a FTC report requested by the credit bureaus. I did comply with everything that they asked me to and Im still having problems.
Consumer complaint received 2020-01-17
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. (NY)

I have in previous letters to Experian ( most recent attached ) asked to have XXXX XXXX XXXX ( Supposed Bankruptcy ) Re-Investigated pursuant to the Fair Credit Reporting Act, Their response has been that the item was verified as mine per a third party Data  Furnisher XXXX in XXXX 2019. I have informed them and provided proof that they could not have verified these items with XXXX as I have a letter from them stating that my file with them has had a Security Freeze on it Since XXXX of 2019. It is impossible for them to have verified any information with them and my Consumer Rights have been Violated by their inaction to correct the matter.

Also, I have challenged several Credit Inquiries as not having my authorization for the hard pull on my Experian credit file. They refuse to provide me with any proof that they are mine such as a hard signature etc. I have stated that these companies did not have permissible purpose to do a hard inquiry by me and that they should be removed.
Consumer complaint received 2023-03-31
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. (NV)

Ive submitted this complaint 3 times CFPB & XXXX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & EQUIFAX and XXXX with FTC Fraudulent report support my position. It seems EQUIFAX and XXXX are violating FCRA section 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these account blocked or removed based on 605b. this is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the account removed/blocked per 605b with the attached documents again. Thank you INQUIRIES : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX ACCOUNTS : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$490.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300.00}
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

I have been making phone calls to City Bank and for some reasons these calls are dropping off without notice in the middle of waiting for the costumer representative to come back to me with a response. 
There are two charges on the same amounts of {$240.00} on XX/XX/2022 on my credit card statement. 
I have contacted Home Depot and they showed me that this receipt appears only once on their system. They suggested me that, it is probably on City Bank account double entered.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IA)

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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2023-02-08
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)

XXXXXXXX XXXX XXXX  reported that I paid a payment late. That is not true i am asking them to show documentation that the payment was late or remove from my credit report
Consumer complaint received 2023-03-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP (GA)

To whom it may concern ; On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX Honda. After a couple of test drives of the various Honda Accords with my XXXX person XXXX XXXX we began crunching numbers. I was already pre-approved with XXXX XXXX {$41000.00} at 5.01 % interest, but we negotiated back and forth until the XXXX XXXX said he believes he can beat the APR rate, plus you wouldnt have to begin making payments until XXXX. However, I didnt want to go over {$500.00} per month. It was then explained to me that I can do a refinance after 6 months which would probably bring my payments down to where I want them. I then went to see XXXX in finance to complete my paperwork. XXXX insisted on me getting GAP insurance and as he explained the Pros and Cons, especially since this was a brand new car with XXXX miles on it I agreed to the GAP insurance, as XXXX and I closed the deal with a payment structure of XXXX per month for 72 months. I asked about any paperwork prior to leaving and he said everything will be emailed to me. 
I have been reaching out to XXXX XXXX Honda since the end of XXXX to now about a payment booklet, sells contract on where to send payments and I was always given the brush off ; Well call you back or where aware of the situation. The last person I spoke with, XXXX XXXX on XX/XX/XXXX from finance  was going to email me my bill of sells but that didnt happen, nor did I get a call back as promised. Now it is XX/XX/XXXX my temporary tag expires tomorrow and I need to rectify this situation immediately. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-01-17
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. (GA)

I recently reviewed my Experian credit report and noticed fraudulent account on my credit report. I have sent Experian several correspondence such as FTC Identity theft report and police report stating that the fraudulent account is not mine but Experian refuses to block and remove this account. I have attempted to upload documents on their online portal www.experian.com/upload but every time I call them to verify documents received, they always tell me that the documents are illegible. At that point, I started just mailing the documents and still they are not blocking and removing the fraudulent account under FCRA within four days. Therefore I am reaching out Consumer Financial Protection Bureau to help resolve my issues with Experian. I am requesting for the following fraudulent account to be removed and blocked immediately under FCRA : 1. XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2022-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd ()

Hello, I had my Wise account deactivated on XX/XX/2022, I had XXXX in my Wise account. On the same day, I submitted an application for the withdrawal of funds. Now I am very worried about my money, there is a war going on in my country and a very difficult situation, and I am afraid that it will not be returned to me, I looked at many reviews about Wise and found out that they do not refund their customers. I have proof that there was money in my account, I took a video on the day my account was deactivated, I also have a XXXX correspondence with Wise himself, and a statement from my Wise account. Please help me get my money back. Currently, I only get promises that my funds will be returned to me and that they are safe, I am sure that they are scammers and want to profit from innocent people, and return funds only when a complaint is written against them. I really hope for your help, thank you very much in advance.
Consumer complaint received 2023-02-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (VA)

I had a car loan with Wells Fargo and they showed that my account still had a balance when I paid it off and then it showed that I missed my payments as well. The total amount was {$15000.00} and I had to contact the credit bureaus as well. I do not remember the exact date.
Consumer complaint received 2023-02-03
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. (TX)

In accordance to the Fair Reporting Act XXXX Account XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not funish a account without my written instructions.