davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-10
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. (TX)

Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus, XXXX, XXXX and TransUnion on XX/XX/XXXX and nothing has been done.
Consumer complaint received 2020-11-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Credit Corporation (MS)

XXXX XXXX, I received a letter from NATIONWIDE CREDIT CORPORATION about a alleged debt of {$390.00} that i do not owe, so on XX/XX/2020 i sent them a certified letter requesting the validity of the alleged debt, a copy of the contract or agreement from the original creditor, and to cease and desist all activity.I haven't gotten a response from them as of yet concerning this debt.a copy of the letter is attached below.
Consumer complaint received 2022-06-13
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: CarMax, Inc. (NJ)

I did not consent to nor did I authorize the below information to be reported on a consumer report about me : XXXX. XXXX XXXX XXXX XXXX XXXX. Carmax XXXX. XXXX XXXX XXXX XXXX. These inquiries were Not initiated by me : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX. 

Your company do not have my written instructions to furnish a report on me. Correct this issue by deleting the about accounts and inquiries or else I will file suit in the United States District Court.
Consumer complaint received 2024-02-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally notifying you of my intention to pursue legal action against your company for repeatedly failing to address inaccuracies on my credit profile, as mandated by the Fair Credit Reporting Act ( FCRA ). Your disregard for my requests constitutes a violation of the FCRA, which grants consumers the right to accurate credit reporting. Despite multiple requests, you have neglected to investigate and correct the erroneous information associated with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-13
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. (LA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX and XXXX BANK 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 2018-04-21
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)

On XX/XX/XXXX, I sent a certified letter to Equifax disputing an account XXXX XXXX that does not belong to me and requesting a complete and thorough investigation by Equifax according to the FCRA and FDCPA which Equifax failed to do. Again on XX/XX/XXXX I sent another certified letter requesting another re-investigation which Equifax failed to do. Both letters were signed return receipt by XXXX XXXX. Within one week after my second letter dated XX/XX/XXXX I received my credit report from Equifax which stated that the account was already verified and so the charged off account, XXXX XXXX account remained on my credit report. I requested information from Equifax on how the investigations were completed based on the Fair Credit Reporting Act and all applicable laws and statutes that applies to my DISPUTE. Equifax failed to comply with these statutes and laws in regards to the disputed XXXX XXXX account. I made it very clear that the account does not belong to me. Based on Equifax erroneous reporting, I am not able to get a student loan to continue my education and this has caused me serious financial hardship and my ability to get an education and earn a living. I have enclosed and faxed all pertinent information as evidence. Equifax has ruined my life because of this inaccurate and erroneous information. ( XXXX XXXX account on my credit report ).
Consumer complaint received 2022-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (AZ)

My name is XXXX XXXX XXXX, their calling from XXXX, saying for Wells Fargo, saying I owe them {$6000.00} from {$2000.00} because of interest. Haven't dealt w/wells fargo in at least 10 years, my wife does. Have no idea who these people are, received nothing in the mail. 

Thanks XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX, AZ XXXX XXXX
Consumer complaint received 2018-10-10
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: MONEY SOURCE, INC., THE (TX)

My mortgage company The Money Source has not submitted my mortgage to the credit bureaus since XX/XX/XXXX. I have been battling this situation since XX/XX/XXXX when I found out and I have a log of times and dates of several different representatives giving me inaccurate information as well as indicating a follow up call will be given on the case.
Consumer complaint received 2018-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NC)

I have an XXXX XXXX  American Express Card. I paid a {$95.00} annual fee in XX/XX/XXXX for the remainder of this year and the beginning of next year. I just received notice that the card 's terms has changed and they changed the rewards my card. I told the card company I refused to accept the changes and cancel the card. They however, refuse to refund the {$95.00} fee and also are refusing to cancel my card
Consumer complaint received 2019-03-21
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: Innovis (MA)

DEAR CFPB For the past 10 months I've been trying to dispute unverified items on my credit report. I have not got any results of verification that account belongs to me by documents such as a my signature and my social security number on it. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract Any and all accounts you Accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$560.00} XXXX  XXXX XXXX
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2018 EXPERIAN INFORMATION SOLUTIONS RE : Requesting a Method of Verification Letter RE : XXXX XXXX RE : XXXX XXXX XXXX Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, with my address and social security number, dont know how you did it, but, its not correct because XXXX DOES NOT have that account number attached to THIS ADDRESS! AND XXXX XXXX DOES NOT HAVE 12 LATE PAYMENTS ON MY ACCOUNT. And you are electing to leave these errors on my report. 

I am absolutely certain that the items I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. 

Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this deliberate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully,
Consumer complaint received 2022-06-13
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-04
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. (TX)

Attached is XX/XX/XXXX letter from XXXX XXXX XXXX XXXX ( XXXX  ) sending items they claim I requested. I requested the permissible permission used to access my credit report in XX/XX/XXXX not the documents they keep sending. I require this document to prove the loan was fraud. When I say fraud, XXXX  requires more of my personal information to do a fraud investigation when they didn't even have the right to have any information on me in the first place. My request is simple, send me copy of the permissible permission used to access my credit report in XX/XX/XXXX to allow me to prove the loan was fraudulent.
Consumer complaint received 2018-04-21
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. (FL)

I got my 3 credit bureau report from XXXX which is a service provided by Experian. When I got my reports on XX/XX/XXXX, my credit scores were as follows : Experian : XXXX XXXX : XXXX XXXX : XXXX Later on today XX/XX/XXXX when I obtained my 3 credit bureau report, it showed that my score has dropped significantly, as follows : Experian : XXXX XXXX : XXXX XXXX : XXXX There has been no changes to my report between XX/XX/XXXX and XX/XX/XXXX. No inquiries, no new debt, no new accounts, no missed payments etc. So I do not understand what caused this massive score drop. I tried to contact the credit bureaus via phone but they couldn't explain what caused the score drop even when there were no changes to my report and said that they can only file disputes. Since they were not able to provide me with a reason for the score drop, I don't understand what information I needed to dispute. 

The only reason I can think of is that, I disputed a XXXX account with all 3 credit bureaus. Probably, my dispute, changed the charge-off date to show that it happened recently. Probably in the eyes of XXXX it shows that the charge-off just happened and my scores dropped. Apart from this, there is no other reason for such a huge score-drop. If this is the reason, this is a violation of protocol where the bureaus need to report accurate information. They can not change the charge-off date to recent when it had happened over 2 years ago. As mentioned on CFPB website, filing a dispute does not renew the debt neither does it change the date. If it does, this is a huge step back for consumers who wants to file a dispute. I have attached my credit reports from XX/XX/XXXX and XX/XX/XXXX, which shows all my account details as well as my credit scores. 

If filing a dispute results in a score drop, US citizens are not safe. I am trying to get a home loan, but with this massive score drop, my chances of approval will be very slim and even if I get approved, the mortgage rates will be really high.
Consumer complaint received 2022-05-04
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. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2019-03-21
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED (CA)

I have a buyer that upon looking for homes with his realtor he came across a property he liked and was ready to submit an offer for. Upon the realtor contacting the listing agent she was informed that in order for her clients offer to be presented to the seller " they must cross-qualify with agents lender ''. Please see below of a snippet of the XXXX listing Private Remarks : PRIVATE REMARKS : Submit all offers to : XXXX with copy of DU Approval including FICOS, Proof of Funds and copy of prequalification letter. Please call agent before submitting the offer. Buyers to get cross qualified with sellers lender : XXXX XXXX @ XXXX XXXX. Contact number is XXXX XXXX or email XXXX XXXX Buyers/Buyers agent to do their due diligence and investigations regarding property. 

Upon reviewing this my buyers agent called me to request a cross qualification with the other lender instructed on the XXXX private remarks. I advised it is illegal and a violation to share private financial information of the borrower 's to 3rd parties. Requiring buyers to submit a DU Approval, copy of credit report and proof of funds is a definite violation of consumer finance laws. I contacted the lender immediately and explained the type of loan program my borrowers were obtaining from my financial institution. ( generic information such as product description, LTV requirements, etc ) No private information of the borrower was shared. However mortgage officer, XXXX XXXX, from XXXX XXXX, still requested I send her copy of paystubs, copy of credit report and proof of funds ... " so she can do her due diligence '' To finish it off she requested all this information to be sent to her personal email address : XXXX not even a company email was used.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc (OH)

I have a new hard inquiry on my credit report that I do not authorize. This company has already ran my credit score in XX/XX/XXXX ( reported on my credit report as of XX/XX/XXXX ). There is now a 2nd inquiry posted to my credit report as of yesterday, XX/XX/XXXX. I'd like this removed immediately as it is not an authorized inquiry and it effects my credit score.
Consumer complaint received 2023-03-23
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. (NY)

XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NYXXXX XXXX XXXX ) XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX By mail only This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX Business Type : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX - XXXX ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( in ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (CA)

I have contacted Current [ Current.com - Banking services provided by XXXX XXXX XXXX, Member FDIC ] about an issue with a transaction that I had originally authorized but due to the business committing fraud, false advertising, breach of contract, and not providing the service as presented I wanted to revoke/de-authorize and reverse it. Current is not being helpful with their canned replies to my report and their somewhat human responses seem like copy/paste replies with no value. They have also stopped responding to my messages. Here is my message that I had sent to Current ( Banking services provided by XXXX XXXX XXXX, Member FDIC ) : " Hello, XXXXXXXX  is a Money Services Business ( XXXX # XXXX ) whom I had previously authorized an ACH Transaction in $ USD in the total of {$2900.00} ( Shown as XXXX XXXX # XXXX ) from my Current account to my XXXX account deposited there on XXXX and was held as $ USD and gained a % on it as interest. I would like to revoke/de-authorize and reverse it ( Code : XXXX ) for false advertising, breach of contract, and services not provided as presented. They stated, " Access to Funds Easily : There are no lock-up periods. Withdraw your funds any time and keep the interest you earned. '' and also stated in the advertisement I found them through on social media that also stated, " Withdraw Funds anytime. '' On XXXX ( a few hours after initiating the deposit ) they locked the option to withdraw via ACH $ USD for ALL their users. This is both false advertising and breach of contract on their part as I can not withdraw any of my money and do not have access to my funds which goes against what they stated in the ad and on their website. I also did not receive the service as presented. I have attached the proof. Also, XXXX announced on XX/XX/XXXX that they will be shutting down and discontinuing their service at the end of this month ( XXXX, XXXX ). So my funds are stuck in my account there and I can not get it out by withdrawing via ACH. They are not responding to support emails from me and other users that are trying to get in contact with them. Please help me get this resolved. 

Thanks, XXXX XXXX ''