davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-24
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. (NV)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2022-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

Requested a {$3000.00} refund from EdFinancials due to Loan Payment Pause and was told it will take 120- 150 business days, while other lenders are taking 4-6 weeks. I'm not sure why this is the case.
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I having a problem with portfolio recovery debt collector. I have told them on multiple times over the phone to please stop contacting me and that the two collection accounts are not mine but they keep calling at least 20x a day
Consumer complaint received 2022-04-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo failed to pay for my mortgage insurance on time. When my mortgage insurance ended, they put their own insurance which was almost 3 times the amount I was paying with my insurance of choice. This made my mortgage go up to almost {$300.00} dollars more a month. When I called Wells Fargo, they insisted they could not reach my insurance company to request an invoice, and provided me with the numbers they had on file. I called the numbers and the numbers just rang. I looked up the number for XXXX and called, the call was picked up quickly. The Representative reported that nothing has changed on my account and does not know why Wells Fargo would have a problem reaching them if we had this account for 6 years and never before had a issue. I had to call an agent and reinstate my home insurance. I called wells Fargo to see if my account would be credited or prorated, they told me no. I explained to them that this is their fault and I shouldn't have to pay for them not doing their job. She said they called me and my husband about the insurance, which is a lie, because we never received a call from Wells Fargo. She also said letters were mailed to us, which is also a lie, because I had my daughter check and no letters were received. I am currently in XXXX  so all my mail is at my house in XXXX nothing has been thrown out. I do that when I get back home. I had to pay an additional {$100.00} service fee that won't be credited to my account nor will I get reimbursed for. My XXXX payment is still {$300.00} more than what I should pay and will next month because my escrow is the negative. This is wrong. I shouldn't have to pay for Wells Fargo employee not doing their job.
Consumer complaint received 2022-08-31
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: Experian Information Solutions Inc. (TX)

I have disputed 3 Charge off accounts and 1 collection accounts on multiple occasions with all three credit bureaus and even with the CFPB and they still refuse to do a proper investigation. I have three accounts with multiple inaccuracies and even after disputing they still come back verified. So I proceeded to download my complete credit report and physically mark out the inaccuracies as I am entitled to a 100 % ACCURATE credit report at all times per FCRA and have found multiple violations under FCRA which I will be seeking legal reparations as they have prevented be from obtaining credit. I also have 1 Collection account from XXXX XXXX where they allege I owe a debt but have been unable to provide a debt validation letter, original creditor information, original contract with my WET signature, and a document stating their right to collect. I will be listing the three accounts and their violations. 

XXXX XXXX XXXX ( {$530.00} ) Incorrect payment status Inconsistent Delinquency reporting Inconsistent and Inaccurate balance reporting Inconsistent payment history reporting ( payment chart and listed dates do not match ) Inconsistent and inaccurate date of last activity Missing Terms Missing high balance Account Comments/ Status inconsistent XXXX XXXX  ( {$770.00} ) Last updated Dates : inconsistent Inaccurate and inconsistent Payment status Delinquencies : Missing or inaccurate Balance reported Inconsistent or Missing 2 Year Payment Chart : inconsistent reporting Older Derogatory events and 2 year payment history : dates do not match/ Missing 30/60 late payment reporting : inaccurate/missing Close dates : inconsistent or missing Date of last activity : is inaccurate or missing Terms : are inconsistent or missing High balance : inconsistent or missing XXXX Bank ( {$260.00} ) Payment status : inaccurate and inconsistent Delinquencies : Inconsistent or missing Balance : inconsistent or missing 2 Year Payment Chart : inconsistent and multiple inaccuracies 30/60 Day late payment reporting : Missing 90 day late payment reporting : inaccurate and missing Close Date : inaccurate and missing Last Activity : Inconsistent and missing Terms : inconsistent and missing Scheduled Payment : inconsistent and missing High Balance : Inconsistent and Missing Loan Type : In consistent and inaccurate Comments : Inconsistent/ Inaccurate XXXX XXXX ( {$2200.00} ) unable to provide a debt validation letter, original creditor information, original contract with my WET signature, and a document stating their right to collect. 

All above listed are causing inaccuracies and violations under FCRA USC 15 1681 Failure to Correct violations will result in litigation. 
All evidence and complaints have been forwarded to the Attorney General of Texas for investigation.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NV)

EQUIFAX will not take off the paid in full account by the name of XXXX XXXX XXXX in the report dated XX/XX/XXXX. Collection XXXX reports twice a month, and they refuse to remove the paid collection! This is unacceptable and violates FCRA laws! I reported these discrepancy XX/XX/XXXX. EQUIFAX continues to create damages to my credit integrity that leaves incorrect information and paid accounts on my report instead of taking it off my report XX/XX/XXXX and having my credit scores raised for the months of XXXX and XX/XX/XXXX. I demand that my credit scores are to be enhanced and rescored from the time the collection accounts were erroneous and incorrect information from the dates of XX/XX/XXXX with XXXX ( acct # XXXX ) to be reached at XXXX and XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ) to be reached at XXXX. XXXX XXXX XXXX told me they have reported this account paid in full " twice '' in the month of XX/XX/XXXX and EQUIFAX wo n't remove it off my credit profile so my credit scores will be raised higher for both the months of XXXX and XX/XX/XXXX. Moving forward I have substantial documentation for each creditor to validate my claim to no lates on auto loan and the XXXX XXXX library fines are paid in full at the beginning of XX/XX/XXXX.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX XXXX and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance {$23000.00} XXXX XXXXXXXX XXXX XXXX Balance {$1900.00} XXXX XXXXXXXX XXXX XXXX Balance {$1400.00} XXXX XXXXXXXX XXXX Balance {$170.00}
Consumer complaint received 2022-08-31
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)

On XX/XX/XXXX and XXXX and XXXX, 2022, I sent letters all three credit bureaus asking for them to remove bankruptcy off my report. They somehow claimed they verified accurate information by via XXXX and XXXX XXXX, failed to respond to my questions of their methods of verification. XX/XX/2022 I resent letters certified with tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to any credit bureaus and they immediately said no and gave me correspondence stating that US Bankruptcy Court do not report or provide information to credit bureaus or any other agencies. XXXX sent me an opt out letter stating they protect my information. So, if thats the case, how did the credit bureau verify a bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 U.S.C. 1681. 15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency. When was such information obtained? You have violated my rights numerous times. You have violated my given rights under 15 U.S.C. 1681. According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy. According to 15 U.S.C.1681 section604 A. Section 2 : A consumer reporting agency can not furnish an account without written instructions. According to 15 U.S.C. 1681 s-2 ( A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX of XXXX, XXXX of XXXX, and two tines in XX/XX/XXXX the last date being XX/XX/XXXX. I contacted Transunion by phone and by mail letting them know that they are incorrectly reporting a late payment on my credit from a first progress card for the month of XX/XX/XXXX. I had already contacted forst progress and they said that they are not reporting any late payments as I have not paid late. I disputed this with Transunion and each time they are closing the dispute without really investigating. First progress reports to XXXX and XXXX and neither of them are reporting a late payment. In addition transunion will not remove fraudulent address that are on my credit report. I informed them the only address that is correct on my report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. Any other address is unverified, inaccurate, and I have reason to believe they are connected to fraudulent actions.
Consumer complaint received 2018-12-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (UT)

XX/XX/XXXX we had a unauthorized charge to our bank account with wellsfargo. They opened a claim and gave us our money back they called us and received more information from us and said they didnt need anything else here we are on XX/XX/2018 on XX/XX/XXXX two months later they took the money back of XXXX $ sending my account into over draft. When I called my bank asking what this was for they said the claim that they had opened back in XX/XX/XXXX and they never where able to receive information they needed from us. They said they sent us paperwork I have lived at the same address for 21 years I didnt receive anything. I sent in a email from the company who said they would not be taking any more payments from us until our furniture was fixed. And that they needed to order parts and we would make one more payment AFTER it was fixed and we Own the furniture since it kept breaking. We sent the paperwork and emails we had from the company who said they wouldnt take money and did and we also sent in paperwork stating we owned the furniture now from the company Wells Fargo said thats all they needed and it would take 48 hours here we are two weeks later and I keep calling wellsfargo and they dont even have a claim open. I want someone to do something about this they also opened a fraudulent account in my name without my permission a year ago but that is being fixed with someone else.
Consumer complaint received 2023-06-23
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. (NC)

I opened a XXXX XXXX account near the end of XXXX and used it to buy a couch. I paid it off almost immediately and completely forgot about the card, until I received an email in early XXXX saying I owed hundreds of dollars in late fees and interest because of an obviously fraudulent charge ( it literally took a 3 second XXXX search to see that I'm not the only one to experience this particular fraud ). 

After letting the company know of the fraudulent charge and letting them know I was not going to pay anything under any circumstances, they called me almost daily until I blocked their number. I repeatedly informed them I would not be calling them, as I did not have time to waste solving a problem that wasn't mine because they couldn't type something into XXXX. They reversed the fraudulent charge but kept all the late fees and interest for some inscrutable reason and ended up closing my account after some time. I requested they correct my credit report, which they have still failed to do.
Consumer complaint received 2022-04-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RAB PERFORMANCE RECOVERIES, LLC (NJ)

I am XXXX XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX firm XXXX XXXX  XXXX XXXX XXXX, NJ XXXX that they want me to pay to RAB PERFORMANCE XXXX {$890.00} with the interest so on. On this XXXX letter showing date XX/XX/2011. I do not know who is this firm and I do not remember what is this for. This this Law firm send me letter that they want to collect the money. From no where this is comes, I do not know what is going on. 

XXXX XXXX XXXX XXXX XXXX File # XXXX this Law firm phone number is very strange I called them finally I talk to some one and she said Debt Collector XXXX and her EXT. is XXXX but no respond. Their number is XXXX XXXX
Consumer complaint received 2024-02-14
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. (MI)

I was looking at my report and I notice that there were some things that were not correct. I sent a letter to Experian on XX/XX/2023. It has been more than 35 days since the credit bureaus haven't responded. This is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of in formation contained in a consumer 's 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 a 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 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.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Experian to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1300.00}
Consumer complaint received 2022-08-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Experian has retaliated against me since I first lodged a complaint with the CFPB. Experian has continued to report the XXXX XXXX Account long after they were ordered to remove it. I have continually paid off all my credit cards and my score doesnt reflect my balances or ratios Experian sets forth in their own Paid Programs. Experian retaliatory nature in the last 3 years has consistently cost me huge interest rates compared to others in similar financial situations. I have had to use Banks that rely on XXXX because Experian is and always has been XXXX points below XXXX XXXX and XXXX. I had finally found an Employee that was willing to do the right thing and finally remove the XXXX XXXXXXXX account about 90 days ago and my Score went to XXXX and as soon as someone found out that employee helped me they immediately lowered my score to XXXX the XXXX and I paid off the balances again that lowered my score and I am still at a XXXX according to the decline letter that I just received from XXXX after 33 years banking with them. They have turned me down 4 times because of Experian reports. I have perfect credit and have never filed Bankruptcy or even been 30 days late! Ever! 
When you join Experian Credit Monitoring and pay every month and you follow all of their exact rules and hold their published ratios and have zero public records or lates or collection accounts and you have the same score you had in 2016 and have paid every account like clockwork and continually do so. Enough is enough!
Consumer complaint received 2022-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX - XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}.
Consumer complaint received 2022-08-31
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Hello, I explained my issue with the late payment in my open account. It was technical error that resulted in the late payment mark in my report. Please give me some feedback as it has been already more than 60 days even. 

Thank you!
Consumer complaint received 2022-08-31
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: AMERICAN EXPRESS COMPANY (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX, NY XXXX, AMEX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00} This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.