davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my credit report with all XXXX bureaus and they are currently reporting inaccurate information on my behalf and it is resulting in damages as Ive been denied for several credit cards and loans due to this billing error. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to US 15 USC 1681a ( 2 ) ( a ) ( i ) the term credit report does not include, subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report so you are in violation of my rights by furnishing this information on my credit report due to all transactions and experiences are NOT supposed to be included in my credit report. 

Also according to 15 USC 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Lastly, according to 15 USC 1681s-2, ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 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 ( ii ) the information is, in fact, inaccurate. 

You must remove these items according to the FCRA laws listed above. I have never been late on this account.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX, Equifax, and XXXX is reporting that a balance on my credit report for XXXX was not paid, and past due. The balance was paid in full, and is not past due. I also receive a check in the mail for paying more than the balance when I closed the account.
Consumer complaint received 2021-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAM AGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Consumer complaint received 2024-02-14
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. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : 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 2022-04-11
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 2021-11-13
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: U.S. Auto Sales Inc. (FL)

This item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

US AUTO FINANCE/US AUT XXXX Balance {$0.00}
Consumer complaint received 2021-11-13
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: I.C. System, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on I.C. SYSTEM, INC Original Creditor : XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Receivables Management Partners, LLC (SC)

RMP agreed over the phone to do a pay to delete. They stated once I paid a medical debt it would take up to 30 days to be removed from my credit. However, it is listed as a charge off, and was never removed.
Consumer complaint received 2017-09-25
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. (SC)

I have contact Equifax in regards to inquires on my report that I did not authorized. When I disputed the inquires they stated that it was factual information and can not be disputed. I contact Equifax and advised them that the inquires that I disputed was not authorized by me and I needed them removed. They advised that I can not dispute inquires from my credit report. According to the FCRA anything that is inaccurate or fraudulent can be removed
Consumer complaint received 2022-10-13
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. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-05-19
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: WAKEFIELD & ASSOCIATES, INC. (SC)

In accordance with the fair trade credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX is showing an account as as paid. Then they report another account as a closed charge off. However the account they are reporting as a charge off has a balance of XXXX. I have no knowledge of the account, and XXXX XXXX  has not sent me any documentation on the alleged account.
Consumer complaint received 2015-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (DE)

I submitted a request for the removal of PMI after my loan reached XXXX % LTV ratio in XX/XX/XXXX. I received confirmation of my request on XXXX XXXX, 2015. This stated that they received my request, and that I would receive a written determination within 30 days. 

On XXXX XXXX, 2015 I received a phone call stating that I had submitted the FHA form, and I needed to submit the conventional. While on the phone, I brought up the form, and confirmed that I had sent the conventional. I placed on hold and the customer representative came back and stated that I had filled out the correct form, but I had not checked any boxes. I confirmed that I had not check any boxes, because none were relevant to me. 

Again I was placed on hold, and when the customer service rep came back on, she stated that the requirements for removal were a XXXX %, LTV. I stated this was incorrect, my loan documents stated it could come off at XXXX pct, with automatic removal at XXXX pct. Again I was placed on hold. When the representative came back, she asked that I email a copy of my loan documents, which I did. 

On XX/XX/XXXX, after 3 months of no reply, I called to check on the status. The representative stated that they did receive my request, but needed me to fill out a new one. When asked why they needed a new one, the representative stated some of my information may have changed. I stated the form only asks for my loan number, address, and SSN, which have all stayed the same. Again I was placed on hold. After 5 minutes the representative returned and said they did not have an image of the request. When pressed whether they lost it, she would not comment. 

After 100 days, I am still at the beginning process of the removal of my PMI. Due to this delay, I have paid an additional 3 months worth of PMI.
Consumer complaint received 2022-05-19
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: Security Credit Services, LLC (FL)

There XXXX unrecognized charges on my credit report that I didnt make sound can you really upset they trying to buy a car in something else and a phone That kisss me upset and Im trying to get my credit record clean because in the future I wan na get my house and a car and anything because I have a baby on the way
Consumer complaint received 2024-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (PA)

I had sent a verification request to this company and to date they have yet to respond. In the dispute letter I listed the items I need in order for me to verify it. See attached. Wells Fargo claims that I owe them a debt and that they have suffered a loss from lending me money however when I requested the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves creditor has suffered a loss they never responded. This is false and deceptive collection practices. Additionally, they reported an additional account on my transunion consumer report and that account has the same account number, balance and collection status except that it is being reported as a mortgage clearly showing that they are willing to violate the Fair Credit Reporting Act as well. See attached exhibits. If this agency continue violating the procedures and requirements of both Fair Debt Collection Practices Act and Fair Credit Reporting Act, I will seek legal action as they are falsely sharing information on my consumer report thus defaming my character.
Consumer complaint received 2021-11-13
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. (NC)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-12-16
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. (PA)

I appreciate your taking the time to REMOVE some of the unverified inquiries in my credit file ; however, there are still many inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

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 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Atlanticus Services Corporation (AR)

I made a purchase for {$48.00} using XXXX to XXXX on XX/XX/XXXX. The primary card that XXXX deducts from is my Fortiva Mastercard. When the charge was originally authorized it was authorized in two separate transactions. One of {$36.00} and the other was {$12.00} which totals {$48.00}. The {$48.00} was posted to my Fortiva Mastercard on XX/XX/XXXX. The {$12.00} is still pending on my Fortiva Mastercard. I chatted with XXXX and XXXX and they only see the {$48.00}. I called Fortiva to dispute it the charge and was informed that I couldn't dispute it until it posted. Meanwhile Fortiva has taken the {$12.00} from my available balance and can't give me a date when this will be resolved.
Consumer complaint received 2024-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (NV)

I requested the payoff amount for my COVID Deferral ( Forbearance ) Program on my home mortgage, which I participated in from XX/XX/XXXX through XX/XX/XXXX, which Wells Fargo supplied me with. There is a discrepancy in the amount that they provided me with. They stated to me and to Nevada Homeowner Assistance Fund that for those 18 months, the deferred amount for my home mortgage is {$3400.00}, which according to my documentation is incorrect. From XX/XX/XXXX through XX/XX/XXXX, my deferred mortgage payments were {$320.00}. That amount over 8 months equals {$2500.00}. Then from XX/XX/XXXX through XX/XX/XXXX, my mortgage payments were {$360.00}. That amount over 10 months equals {$3600.00}. Adding these XXXX figures up equals {$6200.00}. 

On XX/XX/XXXX I spoke to a representative in Wells Fargo Home Mortgage. Her name is XXXX XXXX. Her employee ID is XXXX. She is located in XXXX XXXX, Texas. Her contact is XXXX. She notated our conversation in detail, and she verified those monthly mortgage payment amounts at that time that I've specified above. I'm currently receiving assistance from Nevada Homeowner Assistance Fund. My point of contact is XXXX XXXX, who is the Operations Manager with NAHAF. Her direct number is ( XXXX ) XXXX, and her email address is XXXX. Part of the assistance that I'm receiving is that they will pay off the total deferred payments to Wells Fargo as it concerns my COVID Deferral Program mortgage balance for those 18 months. My current and previous experience with Wells Fargo has been disingenuous, difficult, challenging and confusing with the information they provide to me, and when I ask for clarification, they are not helpful and timely. 

I currently have a complaint/grievance concerning this with XXXX XXXX XXXX who represents the XXXX Complaints Management Office . My Case Number with them is XXXX, and it references my account number ending in XXXX. XXXX XXXX can be contacted at XXXX ext. XXXX. At the beginning of XX/XX/XXXX, XXXX paid to Wells Fargo {$3400.00}, which is the payoff amount they say is the amount of money that they deferred to the end of my 30 year loan, and I clearly have my own documentation which lets me know the correct amount is {$6200.00}. Wells Fargo has sent me a response as to how they arrived at the {$3400.00} figure, which makes no sense to me at all, and I've asked for understandable clarification, which they are not providing to me. I will provide further email documentation that I have concerning this. I have many emails and photos that I have sent NAHAF Operations Manager XXXX XXXX, my point of contact with NAHAF. I will be attatching many emails and photos I sent to her with my Wells Fargo documents that they sent to me. 

Thank you, XXXX XXXX
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Do inquiry on my credit report is fraudulent its not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX phone number XXXX
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. U.S. DEPARTMENT OF EDUCATION 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 : States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-04
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are not mine, I do not want them on my credit report, I need them to delete them.
Consumer complaint received 2022-05-19
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: EQUIFAX, INC. (ME)

I sent Equifax a letter asking them to remove several fraudulent inquiries from my Equifax consumer report. They responded saying ; Inquiries are a factual record of file access. The problem is I never gave ANYONE written permission to access my files. I explained that the inquiries were fraudulent, but evidently they didn't believe me, so I am now submitting this complaint along with my Federal Trade Commission Report # XXXX as proof that the inquiries being reported are fraudulent. Under 15 U.S.C 1681b it lists several examples of when a consumer reporting agency can furnish a consumers information to a person. The example of a consumer giving written instruction to the consumer reporting agency to furnish a consumers report to a person is the ONLY reason any person should have had access to my file. If I personally did not give written instruction to access my consumer file then these are fraudulent inquiries committed by that person. Listed below are the accounts I've found to be completely fraudulent. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US Department Of Education XX/XX/XXXX
Consumer complaint received 2022-10-13
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX