davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-07
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. (NY)

these account 's on my credit belong 's to some one else XXXX XXXX XXXX XXXX   XXXX Status Open Balance {$520.00} Type Collection XXXX XXXX XXXX   XXXX Status Open Balance {$2100.00} Type Collection Pa XXXX XXXX XXXX Status Closed Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX XXXX Status Closed Balance {$770.00} Type Credit Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX  XXXX Status Closed Balance {$88.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Unknown Payment Status Late
Consumer complaint received 2020-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX.   The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-02-24
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. (CA)

have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems.  The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-12-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX # XXXX, XXXX, NV XXXX, XXXX XXXX XXXX CA XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$7900.00}, DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$5700.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$5600.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$3600.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX {$2000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$1400.00}, and DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$1100.00} XXXX
Consumer complaint received 2016-03-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A Quit Claim Deed was filed on XXXX/XXXX/2014 from a third party foreclosure buyer of an HOA foreclosure to deed the house to The Bank of New York Mellon F/K/A The Bank of New York, as Trustee for the Holders of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The Bank of New York Mellon has refused to acknowledge the Quit Claim Deed and has not accepted ownership of the home located at XXXX XXXX XXXX, XXXX, FL XXXX. The house was abandoned by the homeowner more than three years ago and is an eyesore and danger to the community. The pool in the backyard is black and disgusting and remains uncovered and unsecured. The fence surrounding the backyard is in a state of disrepair. There are black stains covering the outside of the house, and the lawn is unkempt. The pool is a breeding ground for mosquitos which is a threat of disease for the residents in the area. There are small children that live on the same street that have not been allowed to play outside due to the parent 's fear that they will somehow access the backyard of the home through the dilapidated fence and gain access to the black pool and drown without anyone knowing.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

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 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (CT)

I am in the process of refinancing my home mortgage. Currently, my mortgage is with XX/XX/XXXX Loancare and I am refinancing with XXXXXX/XX/XXXX XXXX XXXX, CT XXXX. XXXX and I have been requesting my payoff statement since XX/XX/2021, but any phone calls made to customer service would be dropped upon making the request and the dozen electronic requests have been ignored as well. Currently, this is the last step in the closing process of refinancing and I am afraid I will lose my opportunity to close at the interest rates that I locked in as a result of XX/XX/XXXX ignoring my request for the payoff statement. Thank you for your help.
Consumer complaint received 2021-12-02
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-07-30
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: DISCOVER BANK (OH)

There is an inquiry on my credit report which I am seeking to remove as Im a XXXX year old senior citizen and would appreciate assistance on removing it kindly as I need to get an apartment for my self and seeking trouble in so kindly remove this inquiry as its dinging my score and credit report. I really appreciate as this goes away and Im too old to deal with this issue as it is incorrect or mistakenly there somehow. I appreciate if this disappears soon.
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

I've continued to sustain damages due to unauthorized accounts opened by Wells Fargo reps which include inability to open deposit accounts with financial institutions such as XXXX XXXX, XXXX ( XXXX XXXX XXXX ), XXXX XXXX to name a few. Additionally, I've lost potential interest on these accounts, due to inability to open them. I was offered a remediation settlement amount of {$3700.00} by XXXX XXXX with Wells Fargo remediation in XXXX of XXXX for damages caused, which I just detailed. To date, no payment received, numerous prior CFPB complaints filed in re, unresolved/unaddressed. An affidavit was filled out in regard to supposed payment sent, intercepted, cashed by a third party. The matter was investigated, funds returned to Wells Fargo, a second check supposedly reissued after I moved from prior address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Payment was supposedly sent in XXXX or XX/XX/XXXX, I moved in XX/XX/XXXX to my current address at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Wells Fargo reps including a XXXX have replied to this issue by verifying address payment sent to in which case anything sent to old address by XXXX, XXXX, would not be received. A signature decline is also referenced which I am unaware of, the Wells Fargo rep I dealt with insisted on a signature for package which contained check reissue. No packages received from XXXX, XXXX which require signature to date, including to current address. It appears any check sent to prior address was intercepted, cashed by another party, if show cashed. Further, a mediation offer amount of {$500.00} plus estimated IRS taxes not received, also sent to old address. It appears Wells Fargo reps are attempting to claim address verified is a release of funds owed, which it is not. Further, neither payment amount, {$3700.00} or {$500.00}, cover damages sustained to this date from these unauthorized accounts. In closing, please forward this complaint to another Wells Fargo rep other than XXXX, this rep continually refers back to address verified which does not address missing payments
Consumer complaint received 2021-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I recently discovered inaccurate and unverifiable Bankruptcy on my credit report with EQUIFAX. I did not consent to, authorize nor benefit from any of the following account attached is the identity theft report. I have asked for an investigation report and never received it. The law says this that it should be removed in XXXX days and it's been over XXXX days as you can see on the REPORT, I sent it on XX/XX/2021 and today is XX/XX/2021. 15 USC 1681-C XXXX ( a ). ( 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. 15 USC 1692 ( A ) ( 1 ). 15 USC 1681 ( 3 ) ( E ) ( e ) 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 who he is acquainted or who may have knowledge concerning any such items of information.
Consumer complaint received 2022-10-15
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. (NC)

My name is XXXX XXXX XXXX I have a Bankruptcy XXXX XXXX only being reported on my Transunion credit report. I called the XXXX Bankruptcy court that Transunion said they Verified through with the court. I contacted the clerk of the XXXX Bankruptcy court and I received a letter and was told that they do not share or verify and information with any credit reporting companies or Transunion and XXXX XXXX. REMOVE THE INACCURATE BANKRUPTCY XXXX XXXX FROM MY TRANSUNION REPORT. UNVERIFIED INFORMATYION SHOULD BE DELETED FROM MY CREDIT PROFILE UNDER THE The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Consumer complaint received 2022-09-13
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-06-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Portfolio Recovery Associates has repeatedly called me from different numbers, in different states, and will not tell me who they're working for until I tell them my personal information. I have blocked at least 20 numbers, most of them from Washington state, and the latest from New Mexico.

This company also took me to court which I knew nothing about until I started getting mail from layers in my area about someone taking me to court, which I never heard about from Portfolio themselves. I had to find it through my state 's court records and found it that way. It has since been dismissed by the county, but it's now on my record. I could understand this harassment for a large sum of money, but for the amount I owe? This is plan harassment.
Consumer complaint received 2020-07-30
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. (NC)

XXXX  is reporting duplicate creditor files under different names same account numbers. I have written to both creditor and has disputed this 30 days ago. There are multiple accounts. XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX. These are charge office that are reporting a balance updates on XX/XX/20 and XX/XX/20. As well as XXXX and XXXX XXXX XXXX duplicate reporting and are charge offs with a balance update on XX/XX/20 and XX/XX/20.
Consumer complaint received 2020-02-23
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)

I am a victim of identity theft and have had a fraud alert on my credit report and a security freeze. I do not understand why I have inquiries from companies that I never applied iwth or gave permission to pull my credit reports The companies I have not authorized are 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, I HAVE FILED A FEW POLICE REPORTS AND A FTC REPORT VIA FTC REPORT NUMBER XXXX. I have attached police report confirmation to this complaint.THE REPORTS DETAIL EACH NEW ACT OF FRAUD ON MY CREDIT FILE.
Consumer complaint received 2016-07-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NY)

I now own a 2009 XXXX XXXX and as part of the sale transaction the seller 's outstanding loan was paid off. I received a lien release from the lender and brought that to the New York State DMV to obtain a clean title. I was informed that there were XXXX liens on the car from Wells Fargo, XXXX representing the original auto loan and the second representing a refinance of the original loan. I can not get Wells Fargo to send me a release for the original lien despite it having been refinanced and then subsequently paid off and satisfied. As a result I still do not have a clean title and can not sell the car. Wells Fargo seems unwilling or unable to provide a lien release letter to the original owner ( my mother-in-law ) so that I can move ahead.
Consumer complaint received 2021-02-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation (TX)

These are medical bills that have the incorrect amounts. All of the collection items from United Revenue Corp says that I owe {$840.00} for medical services. This information is incorrect and a violation of HIPPA law and I have repeatedly asked to remove the accounts and they refuse.
Consumer complaint received 2020-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

In XXXX of XXXX we were notified by our landlord they did not receive our rent check for the month of XX/XX/XXXX. The check total of {$1900.00} was stolen and deposited into a XXXX XXXX XXXX account. My bank is Chase. we proceeded to file a claim with Chase as well with the police and currently waiting for the subpoena to go through. Chase informed us that it can take up to 90 days to hear back. We heard back a week ago and XXXX XXXX declined the claim because it wasn't made within 6 months of the incident. Chase is also refusing to refund us the amount.
Consumer complaint received 2020-02-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

www.ccsnotice.com On XX/XX/20 -1st lady with Credit Collection Services said debt was with XXXX and it was XXXX. Then said can access bill on website and theres no option for it on website. I spoke with Manager - XXXX XXXX. The Manager lied and said I had to sign up for email to get the bill then said it takes two weeks to get bill. Told him to save the recorded calls as I was going to file a complaint against them.
Consumer complaint received 2020-02-23
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: Automatic Data Processing, Inc. (NV)

I was recently employed with XXXX XXXX  ( http :  XXXX ). I selected that my pay be direct deposited to my own bank account. For the final pay check, they insisted that I be payed by pay card against my will. I expressed concern to my manager, but was told that Nevada state law demanded that our last pay be conveyed by pay card. This may not be correct. For starters, when pay cards are issued, the pay is not placed into the ownership of the person who earned it. Instead it is placed under the control of a bank that the employee has no business relationship with. Funds can only be withdrawn under their conditions and with their fees. I did not consent to this. Additionally, I have no idea of how much money is on my paycard unless I download an app with supposedly allows me to view my balance. Not possessing an internet capable phone, this is impossible. I need to know this information regardless. This card is called " Wisely '' by ADP. 
Wisely ( XXXX ) XXXX ADP Sales XXXX XXXX   XXXX