davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Re : Acct # XXXX To Whom It May Concern : I recently pulled my credit report from XXXX, XXXX and TransUnion and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with XXXX, XXXX and TransUnion and the results of the investigation came back as " verified ''. I did not have an account with " XXXX XXXX '' during this time period. Since I have disputed the account with the credit bureaus, and you have verified them, I would like to see what sort of records you have for this alleged account. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it.
I will seek legal action under FCRA 623 ( b ) for violations of the FCRA if you do not comply and respond to me with the results of the investigation within 30 days of your receipt of this letter. In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with your company. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30day period. To avoid a lawsuit, I request that you remove the account from my credit report. Please delete this listing or I will be forced to seek legal action. Sincerely, XXXX XXXX
Consumer complaint received 2022-05-17
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. (VA)

I reported to Equifax that they were reporting inaccurate information on my public records they launched and investigation and said their credibility source was accurate with information. They never contacted the courts in regards to this issue and the court has stated they do not provide information to the credit bureaus as such. Equifax continues to report theses bankruptcys with out providing validation and XXXX is not a credible source.
Consumer complaint received 2023-07-19
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. (AR)

I am submitting this CFPB complaint myself, regardless of the multiple written requests, the fraudulent items listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The following items are fraud that are needs to be removed : DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1600.00} ; XXXX XXXX Inquiry : XX/XX/XXXX ; DEPT OF ED XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$1600.00}.
Consumer complaint received 2022-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

The following accounts are inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 


XXXX XXXX / XXXX / {$0.00} XXXX XXXX / XXXX / {$0.00}
Consumer complaint received 2022-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following accounts are inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXXXXXX / {$2100.00} XXXX XXXX XXXXXXXX / {$2900.00}
Consumer complaint received 2022-05-17
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. (GA)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2022-05-17
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)

15 USC 1681 15 usc 1681 ( a ) ( 4 ) - you have the right to privacy any information you want to be private thats posted on your consumer report is a violation. Infringed upon my right to privacy ( you define what your privacy is ) *first in 1968 came true in lending act next in 1970 came FCRA next came FDCPA 15 USC 1681a ( 2 ) exclusion - this should not be on consumer reports *** Reports containing information solely as to transactions experiences between the consumer and the person making the report should be excluded
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2021 statement account was paid in full. Overpayment actually. However there was small interest accrued and brought balance to {$1.00} - I did not receive any statements or email notifications of the balance. I signed up for electronic statements. I checked my junk email and nothing. So sense I didnt receive any mail or email notifications all was good. On XX/XX/2021 apparently there is a minimum finance charge and a late fee assessed to the {$1.00} which brought it to XXXX. Once again no email or mail notifications. XX/XX/2021 again another minimum finance charge and late fee and no notice or email notifications. I was closing escrow on a house in XX/XX/2021 and this showed up on my credit report. Credit dropped almost 80 points and changed the rate on my home loan and I had to pay discount points. All for {$1.00} and I wasnt notified. I did another over payment and paid all interests, late fees, and minimum finance charges. After I reached out to them I was shocked to find out they do not have a reporting threshold of XXXX or XXXX like most financial institutions. So if your late {$1.00} it will negatively effect your credit for years. Shocked! I asked for it to be reviewed by management for the small dollar amount of {$1.00}. The rep said it cant be escalated and I would need to contact XXXX or the CFPB. They would not review or help me with the XXXX Its my hope and request for the circumstances involved, the negative late reporting on my credit be removed from my credit. Just seems unreasonable and a financial hardship on the consumer for years. 

Im humbly requesting this be removed.

Any questions please ask. Thank you
Consumer complaint received 2022-05-17
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: CORELOGIC INC (FL)

15 USC 1681 15 usc 1681 ( a ) ( 4 ) - you have the right to privacy any information you want to be private thats posted on your consumer report is a violation. Infringed upon my right to privacy ( you define what your privacy is ) *first in 1968 came true in lending act next in 1970 came FCRA next came FDCPA 15 USC 1681a ( 2 ) exclusion - this should not be on consumer reports *** Reports containing information solely as to transactions experiences between the consumer and the person making the report should be excluded
Consumer complaint received 2022-05-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MI)

I requested a reinstatement quote on XX/XX/XXXX and tried to go through the lawyers as well as inform the business that I applied for XXXX  on XX/XX/2022 and they will not answer my calls or provide me with the quote.
Consumer complaint received 2022-03-24
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. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hello. This is a complaint against all 3 credit bureaus. For the month of XXXX, I received XXXX XXXX scores XXXX, Trans-XXXX, XXXX. For XXXX, these scores have dropped to XXXX, Trans-XXXX and XXXX. My mortgage scores went from XXXX XXXX, Tran- XXXX and XXXX- XXXX. With my mortgage scores alone, you can see that at least 2 dropped by 72 points and the other near a 100 points. I checked to see the reason behind this and 1 payment was reported 30 days past due for 1 account which Im in the process of disputing as inaccurate. There are balance increases on some accounts but nothing that shouldve dropped my score this far below average in the manner that it was dropped. I have reached out to the credit bureaus complaining about the conflicting data that makes no sense to consumers. XXXX will specifically report whats helping my score as excellent payment history and right underneath will put the exact same thing as whats hurting my score. I worked very hard to get my scores up to nearly a 700 only to watch them drop in a 30 days time so drastically and while I understand it can drop heavily for a late payment, once that remark is removed and it will be as its incorrect, am I going to gain back to points I lost and most likely not. Payment history accounts for 35 % of your score and it seems the bureaus are more focused and still heavily penalize for details on the report that are well over 5 years old but are telling consumers they dont do this. They are specifically stating that you are not impacted as much for accounts that old. The credit bureaus need to be heavily looked into and evaluated on scoring habits and the reasons they use for why they score they way they do as it is seriously starting to look like a system that is meaning to purposely keep a certain class of people from obtaining mortgages etc. And I say this because I was paying to receive my mortgage scores every 3 months and just last month I paid more to receive them once a month instead as Im prepping for buying a house and oddly my scores dropped so heavily, you would think I filed a bankruptcy. Something is definitely not right and its not adding up. I would greatly appreciate someone investigating all 3 major credit bureaus and their habits. I have copies of my constant fluctuating scores. Even when Im hardly using my credit cards, Im dinged. I have even been dinged for paying balances down which I will never understand that one and when I spoke to the bureaus about it, their response was it will go down first and then come back up. So we as consumers lose points that we wouldve otherwise had because the score is not raised by as many points as they take away obviously. The credit bureaus need to be heavily looked into and evaluated and I hope this can happen. Thank you for your time.
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

Thank you for reviewing this : Prev complaint XXXX made XXXX XXXX and closed. Citibank replied by restating the terms of the Promotional Balance program but not admitting to wrong doing or that I had complied with the rules completely. This newest part of the issue is because they failed to process my payments as requested by me and acknowledged by them. Attachments show : Stmt XXXX XXXX shows : XXXX due for Promo Bal due XXXX XXXX / XXXX due for Promo Bal due XXXX XXXX ( side fact, I paid the XXXX on XXXX XXXX and requested it be applied to the Promo Bal Due XXXX XXXX ). Ltr from them XXXX XXXX confirms I requested payments in excess of min bal should apply to Promo Bal due XXXX XXXX Payment XXXX made XXXX XXXX ( after minimum due paid XXXX XXXX ) so the XXXX shd be applied to Promo Bal due XXXX XXXX. The payment made XXXX XXXX was NOT applied to Promo Bal due XXXX XXXX but applied to the Promo Bal due XXXX XXXX. The result of their constantly misapplying my payments is that they charged me {$160.00} for interest on the Promo Bal due XXXX XXXX for not paying it off in the agreed upon manner.
Consumer complaint received 2022-03-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (TX)

We have been pre-approved for a home mortgage loan through Wells Fargo working with XXXX XXXX. We knew on XX/XX/22 that closing would be on XX/XX/22. Most paperrwork was completed early. The XXXX XXXX XXXX in XXXX XXXX Texas requested paperwork on XX/XX/22 - which should have been requested by Wells Fargo, but was not done so. XXXX XXXX went on vacation and did not answer emails or phone calls or voice mail during the week of XXXX. No one could get any information since he did not have someone take care of his clients while he was gone. We learned on XX/XX/22 that we could not close on XX/XX/22. This is going to cost multiple families major delays in moving and hundreds of dollars. This is Wells Fargo 's mistake. They need to fix it immediately. They need to pay for any incurred costs due to their mistake. The title company said that they would work until XXXX pm on XX/XX/22 just to be able to close on XX/XX/22 however Wells Fargo is not accepting responsibility for the mistake/negligence/incompentence of their employee, XXXX XXXX. We need help to close on XX/XX/22. Any help you can give us will be greatly appreciated. No loan officers are on site in XXXX XXXX Texas. All work from their home. It should also be noted that we are paying over half of the cost of the house in cash. They should help us.
Consumer complaint received 2022-10-13
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. (NY)

I sent a letter to remove these items that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days. 
XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2022-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to permanently limit my PayPal account. I am using my Paypal account for my online personal photography since ( 2020 ). My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and God bless. 

For Identity verification, I attached my Valid ID. Please see attachment.
Consumer complaint received 2017-08-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

I am about to refinance my house and checked my score to see that I have 2 debt collections from Progressive Management Systems. Both collections are for different amounts. One for {$560.00} and the other for {$330.00}. What 's really weird is they were both were put on my credit report on the exact same date, XXXX XXXX, XXXX. I have no clue what these are and it 's the only negative impact I have on my score and it 's insanely frustrating. After research of this company I 've seen many complaints of debt collections being reported without explanation and even when people say they pay their debt, they still report it on people 's credit report. Please help so that I can refinance my house and fix my score. Thank you
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I don't want these accounts in my report, they are directly affecting me and they are not mine. 

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 2022-03-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However, all under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2023-07-19
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-23
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: Nelnet, Inc. (FL)

Dear Neltnet, I would like to see the accounting records on the loans that you are accusing me of owing. Are you aware that it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently. No documents we 're sent over to the address I have on file for the creditor. The creditor nor any credit bureaus attempted to contact me during this incident until I sent over police report documents, certified letters, etc.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting a bankruptcy on my credit report they have put in the data furnisher as been the XXXX XXXX XXXXXXXX XXXX which is false i have attached a letter from the U.S. bankruptcy court of XXXX XXXXXXXX XXXX verifying and stating that they do not furnish information over the credit bureaus or any credit monitoring service nor do they verify validate any information concerning bankruptcies. Transunion is falsely stating this information on my credit report and have yet to remove this from my credit report. i sent them my credit report showing that the information is inaccurate on all three bureaus im not sure who's right, It has been removed from XXXX XXXX also.