davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to EQUIFAX Credit Bureau, the date of the last letter was on XX/XX/XXXX and still got nothing from them. That means EQUIFAX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$120000.00} - XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$670.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$450.00} - XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$3500.00} - XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$2500.00} - XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$750.00} - XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00}-
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681 ( a ) ( 4 ) and as well as 15 USC 1666 ( b ) the former was right to privacy and the latter was truth and lending act to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-07-27
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items 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 remove these files. 

XXXX XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX  CT XXXX XXXX XXXX SC XXXX
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have submitted disputes to you and I didn't get a response within 30 days. And you'll are required by law to do so. Please investigate my disputes please. 

Thank you
Consumer complaint received 2023-03-28
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. (TX)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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. (CT)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XX/XX/XXXX
Consumer complaint received 2023-03-28
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. (MD)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2019-09-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation (CT)

Avant is reporting my loan account balance with them at {$16.00}, according to XXXX XXXX. This account was opened in 2015, payments were made and ceased due to disagreement over interest rate and the fact Avant did not take into account my credit score when calculating this rate. Numerous negative reviews on XXXX and other consumer review sites reveal Avant does not take into account credit score when granting loans. It appears Avant has not closed my account and instead has left it open and kept charging interest and fees when they have not agreed to adjust interest rate according to my credit score at time of account opening. The original loan amount is {$6800.00} and they are now reporting it at {$16000.00}, they are adding on fees and interest which will not be paid and they are doing this in order to place a burden on my credit score and history. Previously, I attempted to  resolve issue of interest rate directly with a XXXX XXXX at Avant as well as XXXX XXXX with XXXX XXXX, the bank whom issued the loan, Avant services the loan. XXXX XXXX defended the high interest rate of 23 %, I believe it is, he would not adjust it and or offer any remedy, I attempted to reach XXXX XXXX, my calls were blocked from the number I called from and I had to use a different number, when I reached a rep I was told XXXX XXXX does not accept calls. Instead of charging off the loan, Avant continues to add on fees and interest and has kept my account open since payments stopped in 2015, in an attempt to burden my credit score and file as mentioned prior, as well as attempt to collect payment. I will contact an attorney about this issue to see if what Avant is doing is legal or not. I request Avant to close account at this time.
Consumer complaint received 2022-07-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have reached out to this creditor. This debt was a result of identity theft. I have requested documents to verify who opened the account and have not received anything. I have also requested removal of this debt, and the creditor did not respond.
Consumer complaint received 2022-07-15
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. (FL)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against XXXX and TransUnion if they do not validate the account. Please follow the law so that this situation can be settled quickly. XXXX XXXX Date opened XX/XX/2006 XXXX {$100000.00}
Consumer complaint received 2019-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (CT)

My loan account with BMWF is now current, it was past due and late charges totaling the amount of {$110.00} were added to it during the time the account became delinquent. I was facing a hardship and have now brought the account current, the next payment is due on XX/XX/28. I am without a phone and have been sending secure messages to BMWF in regard to payment ( s ), the last message requested a credit in late charges which are quite high, {$110.00} total if I am correct. I requested a full or partial credit in fees and was denied, the rep referred to a one time credit in the past of a late fee, which I do not recall the rep stating it was a one time credit at the time. In fact, I am quite positive the rep did not state the credit is one time. I request a partial, if not full refund of late fees since I am now currently paid up until XX/XX/28.
Consumer complaint received 2019-09-09
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 submitted a Second written request in writing to Experian, to have a copy of the original creditors documentation on file to verify that this information is mine and is correct in the results of the first investigation. and I have have not been provided any original documentation under Section 609 ( a ) ( 1 ) ( A & Section 611 ( a ) ( 1 ) ( A ) by mail, I continue to receive emails the last email was on XX/XX/2019 from the Experian credit bureau that the account have been updated and verified. with no proof of documentation. to the below accts 1 ) XXXX XXXX XXXX {$590.00} 2 ) XXXX   XXXX XXXX XXXX {$810.00} 3 ) XXXX XXXX XXXX XXXX {$970.00}
Consumer complaint received 2021-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

Bank does not provide access to all check images of checks written from account. Bank displays error to call into to customer service to get information about who check was written to, but when you call in bankers can not see anything either. Unable to access information about my own checks!! bank only able to 'file a claim ' which could take upwards of 10 days.
Consumer complaint received 2019-09-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NY)

I comommunicate to you because i have problem with Nelnet loan service Inc. The problem is the account already pay long time ago. Nelnet still have the account negative in my credit report. They have the account 120 days past due. And term monthly XXXX. I duspute with XXXX  that account and still negative. It no fair that account have more than 5 years affect my credit score it already paid. The reason i paid that account to fix my credit no to affect my credit.please help me to remove from my credit report.
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I have been working with XXXX since XX/XX/2020 to refinance my mortagage. 
My current mortage lender is Wells Fargo. 

I was supposed to close first week of XXXX but then was told by XXXX that I have to pay the unpaid principle balance of {$6000.00}. This is the amount from 2 months forbearance covering XXXX and XX/XX/2020. I have resumed payments since XX/XX/2020 and have been current since. Wells Fargo informed me that the unpaid balance will be in a non-interest bearing account and added to the end of the loan. Wells Fargo further explained that I can not pay the unpaid principal balance before we acquire an approval from XXXX XXXX. The request was made XXXX XXXX and since then I have been receiving contradictory information from Wells Fargo. At first when the request was submitted I was told, it will be 4 to 10 business days, then was told XXXX XXXX does not grant these requests and then was told we are still waiting on XXXX XXXX. I was also advised by XXXX XXXX that I have to pay the full mortgage first before I can pay the unpaid principle balance. I am trying to refinance so I can shave off {$300.00} per month in mortgage payments. This is much needed as my husband is without a job at the moment. I called XXXX XXXX asking them to confirm if it is true that I can not pay the unpaid principle amount, the customer representative from XXXX XXXX said this should have been explained by the mortgage lender Wells Fargo and that it is their responsbility to communicate with you. XXXX XXXX promised to get back to me but I have not heard back as of today. 

I fear Wells Fargo is in my way trying to refinance my mortgage. I am now having to pay another mortgage payment to them missing out on the {$300.00} in savings not to mention refinance application fee of {$500.00}. I have left Wells Fargo numerous messages and spoke to many customer representatives and manager from mortgage dept and home preservation and others. I still do not have a resolution or a solution. All I need is for Wells Fargo to provide me with the instructions needed to pay off the unpaid balance so I can refinance with the new mortgage lender. Otherwise I fear I am hostage unable to refinance. 

The terms of the agreement sent to me by Wells Fargo and on XXXX XXXX XXXX website is that the amount deffered can be paid at the time of refinance. I am trying to refinance and Wells Fargo is not abisding by the terms of the agreement.
Consumer complaint received 2018-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (CA)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : FRANKLIN COLLECTION SV Account Number : XXXX Date : XX/XX/2018 Amount : {$170.00}
Consumer complaint received 2019-09-09
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. (TX)

Thereareaccountslisteduponmyreportthatdonotbelongtome.IhaveadvisedExperianofsuchonnumeroustimes.Havecontactedall3companiesandneitherhasrespondedtomyrequestsohowisthatExperiancontinuestoreportinaccurateandfraudaccountsontomycreditfile.Ifacompanycannotprovethevalidityofsuchaccountstheymustberemoved.FurthermoreIhaveneverevendealtwithorhadbusinesswitheitherofthecompanieslistedbelowandtheyhaveallfailedtosendmenoticetogivememyrighttodisputethevalidityoftheaccount.THESEACCOUNTSARERESULTSOFIDENTITYTHEFT.
XXXXXXXX/XXXXINTHEAMOUNTOF{$11000.00}XXXXXXXXINTHEAMOUNTOF{$410.00}XXXXXXXXINTHEAMOUNTOF{$350.00}
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (PA)

Our account of around {$150.00} had {$140.00} sent to a " XXXX XXXX '' someone we do not know or have ever met without our knowledge or approval and SoFi says they reviewed it and found nothing wrong. We have never sent anyone money from sofi not once and we want our money returned
Consumer complaint received 2023-03-28
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. (CA)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2019-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (IL)

I am a XXXX women. I made a purchase at the XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019. I used my BMO HARRIS banking card. The cashier stated that no more funds could be withdrawn from the card. I had to leave the line and go to an ATM and accrued another fee to get the cash to complete the transaction. This fraudulent practices when my account has the funds available. receipt # XXXX XXXX XXXX
Consumer complaint received 2019-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Ive been a victim of identity theft someone got hold of my information and run up my cards and when I contacted the company they said they would take care of it but didnt and its still on my credit report negative which is not fair to me
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (NY)

XXXX County Sheriff 's Police Report : XXXX XXXX I have never opened/used/authorized this account. I filed a police report with the XXXX County Sheriff 's office [ as instructed to do by XXXX   and XXXX ] disputing this off of my credit report. 

It was removed by XXXX and XXXX, showing $ XXXX/owed- closed- because of fraudulent activity. XXXX will not remove or close out the balance or reporting on my credit report- despite having the police report and a statement that this is FRAUD. 

I would like this to be removed as per the police investigation, this is fraudulent and the other credit bureaus have adjusted my report accordingly.
Consumer complaint received 2019-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

Ive been a victim of identity theft someone got hold of my information and run up my cards and when I contacted the company they said they would take care of it but didnt and its still on my credit report negative which is not fair to me
Consumer complaint received 2021-07-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Back in XX/XX/XXXXI applied for a modification with wells fargo home mortgage Loan # XXXX balance on the loan was {$78000.00} i was not behind on my payments after wells fargo modified, my mortgage they also applied a 2nd # XXXX XXXX lien on my loan through HUD/XX/XX/XXXX in the amount of {$23000.00} using a XXXXXX/XX/XXXX to collect this debt. I was unaware of this until recently I had to sale my home do to unforseen hardship do to Covid 19 this debt brought on more hardship after finding out that wells fargo had done this to my mortgage causing me to pay double on my home I also happen to know they had done this to lots of families this is inmoral and show lack of protection to citizens. Wells Fargo should be held accountable to Exhibit integrity and humility I'm ask for assistance with a balance forgiveness also release of lien on my porperty, Thank you for your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX