davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-13
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: EQUIFAX, INC. (GA)

XXXX obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from Equifax. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 
XXXX obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. 
Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2021-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-13
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: Experian Information Solutions Inc. (OH)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

XXXX XXXX has deleted all my active accounts on my credit report. and my score was in the XXXX or above. When I recently checked my report they have no score now because they say I don't have any accounts. I am request XXXX XXXX correct my report immediately and restore with the correct account information. This is causing undue XXXX and XXXX. XXXX XXXX score should reflect that of XXXX score.
Consumer complaint received 2021-12-13
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. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$690.00} Inquiries : XXXX  Inquired on XX/XX/XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Consumer complaint received 2021-12-13
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (NC)

THE PROBLEM : Neither Wells Fargo nor XXXX XXXX will correctly report my payments to all three credit bureaus.. 

For two years now and to date, I have been working with XXXX XXXX XXXX XXXX to pay off loans with Wells Fargo and XXXX XXXX. Proof attached. XXXX is unable to get them to correct the reporting, so I am coming to you for help so my credit score will improve, and I'll be able to move ahead with my plans to enter real estate investing with an excellent credit score for better interest and approval rates. I've tried on my own to work with all three credit bureaus, no success. Can you help? Thank you.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX : I called Wells Fargo to have them close XXXX of my smaller bank accounts, one of which I believe is currently involved in a lawsuit. Instead of closing the XXXX small accounts, Wells Fargo made a 'mistake ' and closed my main bank account which has many automatic payments attached to it. I have had this bank account since XXXX. I called Wells Fargo, and they said they were not able to reopen the account, and would need to investigate. My wife also went to the local Wells Fargo branch to explain the 'mistake " Wells Fargo made, and was unsuccessful in her attempt to reopen the main account. My wife and I both lost several hours of work, trying to work with Wells Fargo to fix their error. In addition, we are having spend time to change automatic payments to another account. 

This has caused much financial and emotional distress for us. It is such bad business practice that Wells Fargo can make a mistake and close a bank account immediately, and not be held accountable to fix their error. 

XX/XX/XXXX : I received an email that Wells Fargo is working on the problem, and would contact me within 10 days. It's amazing how they can disrupt our lives in a second, yet take 10 days to look into whether they can fix it or not.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

XXXX, Equifaxes 's credit freeze product, does not allow users to use " two factor authentication, '' sometimes called " multifactor authentication '' ( 2FA or MFA, respectively ). 

Equifax sells an MFA product, so it is not unaware of the security benefit of this : XXXX XXXX XXXX XXXX and XXXX both allow 2FA/MFA either with email or text for their credit freeeze products. XXXX allows neither. 

Equifax does not respect consumer privacy or security as this basic security feature has existed in the industry for well over a decade and XXXX has failed to implement it. Without this option, consumers, including myself, are more liable to hacking and fraud.
Consumer complaint received 2021-08-25
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: EQUIFAX, INC. (GA)

Just a few days ago CFPB contacted Equifax and XXXX XXXX about a reporting problem. XXXX XXXX  immediately reported findings to Equifax. After several days Equifax told me that the item had been deleted from my Equifax credit file, IT WAS NOT! At this very moment I'm looking at the my Equifax report published by Equifax with the same collection that I have complained about now for 60 days. XXXX XXXX XXXX in XXXX Georgia for XXXX. Equifax continues to snub it nose at CFPB and XXXX XXXX XXXX. 

PLEASE HELP ME! 
XXXX XXXX XXXX
Consumer complaint received 2021-12-13
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: EQUIFAX, INC. (NC)

I am a victim of identity theft. 
There are fraudulent accounts on my profile that need to be removed immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NC)

XXXX a ftc identity report was filled with a dispute with Experian and XXXX credit agency . Within 30 days XXXX deled this account so there was no need to have ducmentation on how XXXX XXXX use to determine that this account was verified? Im requesting that they please mail or email the corresponding facts .I need to see the were all of the rules were followed like blocking etc.
Consumer complaint received 2021-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion 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 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 ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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: EQUIFAX, INC. (TX)

" The information I disputed has been verified as accurate, and neither CRA deleted the incorrect information '' Now I'm requesting for a SECOND time all accounts disputed I am requesting that you and the furnishers do a full and thorough investigation of the following accounts that I am disputing. Please send a copy of this letter to each furnisher and I want you ( and each furnisher ) to do a proper investigation as required by the law. To be clear, I am not asking you to ignore my letter. Or send me a silly form letter back refusing to investigate. Instead, Im asking you to take this very seriously as I take the accuracy of my credit reports very seriously. It is vital that I have accurate and complete credit reports with all the information verified. 

On my reports, there is contradictory, incomplete, and incorrect information that can not be verified. I dont know if this is because the furnishers, who are unreliable sources of information, are giving you false information. Or whether you are doing a poor job of reporting the data. Either way, now is your chance to do the right thing and it is now the opportunity for the furnishers to do the right thing. 

XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. The never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 whom he is acquainted or who may, have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my right numerous times.

The credit bureaus violated my given rights under 15 USC 1681 According to : 15 U.S.C 1681 section 602 A States I have the right to privacy.

According to : 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 According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate. 


( I HAVE ATTACHED A COMPLETE COPY OF THE DISPUTED ACCOUNTS )
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX has been inaccurately reporting on my consumer credit profile since XXXX of 2018. Ive reached out via email & certified mail multiple times to no avail. I also understand this is a direct violation of, but not limited to ; 15 USC 1681-furnishing a consumer report without consent, 15 USC 1681 [ A ] [ 2 ] [ B ] furnishing an account that was created from a credit card or similar device, 15 USC 1692J furnishing a deceptive form to make the consumer believe they owe a debt, 15 USC 1602 ( k ) drafting a contract or similar instrument in which the consumer can not adequately understand.

Im asking you to help remove this charge off immediately
Consumer complaint received 2021-12-13
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: Experian Information Solutions Inc. (MA)

I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : XXXX XXXX XXXX, INQUIRY DATE XX/XX/2021 CREDITOR : XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/2021 CREDITOR : XXXX XXXX XXXX, XXXX DATE XX/XX/2021 CREDITOR : XXXX XXXX XXXX, XXXX DATE XX/XX/2021
Consumer complaint received 2021-12-13
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: Experian Information Solutions Inc. (DC)

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 Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (IN)

On XXXX I received an offer on a auction I had listed on XXXX. I accepted the offer for {$110.00} plus shipping of {$3.00} for a total of {$110.00}. The buyer, XXXX paid via PayPal goods and services that same day, XXXX. I purchased the postage through the XXXX transaction via PayPal on XXXX. This attached the tracking number directly to the transaction in XXXX and Paypal. The item was shipped and I never heard from the buyer after this point. 

On XX/XX/2018 - almost ONE YEAR later I receive an email from PayPal telling me that the buyer, XXXX, has filed an Unauthorized Transaction claim with her financial institution. As a result they have placed a hold on {$110.00} in my account. They stated that they needed tracking information for this transaction. The same day, XXXX, I uploaded confirmation of the sale, purchase, purchase of postage, and tracking number. I couldn't send the actual tracking information as it was no longer available since the USPS does not keep tracking records that long. And now, since it has been over a year that tracking number has been reused. 

On XXXX I received an email from PayPal telling me that because they were unable to verify the shipment information I sent they had officially debited my account for the {$110.00} and additionally they debited my account another {$20.00} for a chargeback fee! 

I called XXXX and they said - sorry, nothing we can do we do not keep records that long. I called PayPal and they said sorry, nothing we can do - she filed the claim with her Credit Card company. They would not tell me the credit card company name. 

How can someone make a claim from that long ago? Unless you have taken a screen shot showing the item as delivered you are out of luck! Everyone knows that tracking information isn't available that long. If this is the case, everyone will start disputing transactions this far out - get their money back and they get to keep the product/items. Where is the seller protection that XXXX and PayPal advertise all the time? My transaction was eligible for PP seller protection. It was goods and services. It had the tracking information. Why wasn't confirmation of delivery kept on file with the transaction history? 

This is not a fair practice. Where is the sellers protection? Unauthorized ACH transactions have 60 days to be filed per the NACHA rules. Where does the credit card company come in on this? 

I am attaching all the documentation I have on this case as well as a screen shot from the buyers XXXX  page showing that she was a user of the product she purchased from me.
Consumer complaint received 2021-12-13
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. (DC)

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/2021. And now we are in the month of XX/XX/2021 and still 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 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