davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
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: Fidelity National Information Services, Inc. (FNIS) (TX)

Account # XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
XXXX5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written ainstructons 1 U.s.C 1681c. ( ax ) section States : no consumer reportina agency mav make anv consumer report containing anv of the followinc Items or information Any oter adverse item or information, oter than recoras or convictions or crimes wnich antedates the report by more man seven years 15 U.S.C. 1681S-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

TRANSUNION HAS MY POLICE REPORT, FTC REPORT IN REGARDS TO THESE HARD INQUIRES BEING FROM IDENTITY THEFT INSTEAD OF THEM REMOVING THE ILLEGAL IDENTITY THEFT HARD INQUIRES FROM MY CREDIT REPORT SECTION ( 605B FCRA ) THEY'RE STALLING SENDING LETTERS THAT MAKE NO SENSE REMOVE THESE ILLEGAL IDENTITY THEFT HARD INQUIRES FROM MY CREDIT REPORT OR I WILL BE FORCED TO TAKE TRANSUNION TO SMALL CLAIMS COURT I HAVE ATTACHED ALL THE PAPER WORK ( POLICE REPORT, FTC REPORT ) INCLUDING THE HARD INQUIRES I NEED REMOVED.
Consumer complaint received 2020-12-22
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)

Helo, I recently noticed some fraudulent accounts on my report. I submitted a complaint with the Federal trade commission to address these accounts. I have attached the document. Please remove these accounts that were opened fraudulently.
Consumer complaint received 2022-10-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Never lived there. Notice when I was trying to rent a home this appeared up on my credit report Have reported Fraud. 


Also seems like XXXX is not even spelled correctly tryed to XXXX nothing appeared
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Consumer complaint received 2018-12-01
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. (GA)

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2020-12-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2020-12-22
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. (NC)

After reviewing my credit report, I've noticed accounts and inquiries that weren't authorized by me. I've received multiple calls in regards to these debts that were never initiated or even known by me.
Consumer complaint received 2020-12-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NY)

XXXX, 2023 Marshalls XXXX XXXX company card, I did report, and I never used that card amount XXXX dollars, they start sending me bill. 
If some one used my card how come they put my information to cashier? 
Marshall customer service representative took my call and he said I am transferring my account to different account and you dont have to pay nothing, but I asked him to close my account he said ok, he did, but now they start sending me bill with late fees. Please help me.
Consumer complaint received 2020-12-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc. (FL)

On my XX/XX/2020 my dispute to SCA collections was delivered I requested the 1099-oid and them to remove this account because it is medical and I did not give anyone permission to report my private information since then not response
Consumer complaint received 2020-12-22
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)

After reviewing my credit report, I've noticed accounts and inquiries that weren't authorized by me. I've received multiple calls in regards to these debts that were never initiated or even known by me.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I requested my online credit reports from XXXX, as part of actively working on my credit profile. 

Equifax is the only one of the 3 major CRAs to consistently deny my request each time, ever though I am confident of my correct answers to all the identity verification questions, all of which I have retained for my records and have gone over. 

The most recent Equifax denial message screenshot from XX/XX/XXXX is attached, the previous ones are identical. 

The offer to request by mail is not acceptable, because my recurring requests are time-sensitive and because Equifax has shown with its XX/XX/XXXX data breach and subsequent resolution failures that it can not be trusted with highly sensitive user data, such as copies of the types of documents requested. 

No issues experienced with XX/XX/XXXX or XX/XX/XXXX at all.
Consumer complaint received 2022-12-14
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. (FL)

I Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquiries : XXXX XXXX  -Inquiry date XX/XX/XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX XXXX -Inquiry date XX/XX/XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C 1681 ( A ) ( 1 ) 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.
Consumer complaint received 2018-02-24
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. (OH)

I have attached my letter to this complaint in reference to TransUnion. 

They have failed to remove the inaccurate accounts that are listed on my letter. In addition to that- they have failed to re-investigate the account based on Section 1681 of te Fair Credit Reporting Act.
Consumer complaint received 2023-03-17
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: Continental Finance Company, LLC (KY)

Reporting twice on my credit reporting once through XXXX WITH XXXX XXXX XXXX XXXX through XXXX XXXX XXXX XXXXXXXX of XXXX covid happened they would not work with me and charged late fees consistently which is considered information to character and livelihood15 USC CODE1681e compliance procedures 15 USC Code 1681 0 civil liability for negligent noncompliance 15 USC 1681n Civil liability for wilful noncompliance
Consumer complaint received 2021-06-10
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: Experian Information Solutions Inc. (CA)

Freecreditscore company took my information social security date of birth verified my identity then requested my credit card information to give me the free credit score allowing them to repeatedly charge my card with no resolve to my account it was fraudulently taking my information and that was only free to them. That is just wrong there phone number is XXXX I called spoke to XXXX but first they never say who they are just customer service or membership services then when asked he was unable to answer a simple question about who they are its fraud pure and simple
Consumer complaint received 2020-12-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: NAVY FEDERAL CREDIT UNION (TN)

On XX/XX/2020 I visited a car new dealership to purchase one of the two XXXX 's for sale. I made it very clear on the website which vehicle I was interesting in purchasing. The sales person indicated that he would pull the SUV up front for me to see. 

After talking for about 30 minutes the sales person agree to accept {$5000.00} from my credit card and the balance I would electronically forward from the same credit union. 

They advised me that only {$3700.00} was available on my card. I authorized for the amount and I told the sales person to let go home to learn what had occurred because I made a payment the night  before. The salesman gave me the paperwork with the price, taxes and fees and it was then that I noticed a difference in the price that I was presented. The salesman was trying to sell me the other XXXX XXXX of the same year with a higher price. 

I went home and look at the two XXXX 's and the one I wanted and the one he tried to sell me. 

I emailed the manager of the car dealer to refund my money by returning the amount because I did not want the higher price SUV, the next day. 

I notified my Navy Federal Credit Union to dispute the transaction on XX/XX/2020. I learned the next week that I filed an dispute incorrectly, so I filed a dispute correctly. I did receive instructions to " freeze '' my account. 

I filed another dispute or questioning for a response. 

I was advised that it may take awhile. 

I purchased another newer SUV at another dealership on XX/XX/2020.
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

This complaint goes back to 2010 when Wells Fargo wrongfully denied me for a loan modification on my XXXX XXXX owned loan. I have spent the last 10 years seeking an explanation and resolution from Wells Fargo. At the time of the request for a loan modification I was paying my own escrow and I was only paying the principle and interest to Wells Fargo ( PI ). When Wells Fargo reviewed my application it used the current PI and compared the payment to a full PITI ( principal, interest, taxes and insurance ) payment. Wells Fargo clearly committed an error in denying me my application for a modification by stating that the proposed modified payment would be greater than the current payment. This statement is false and based on faulty numbers. As is evidenced by the attachments, Wells Fargo refuses to admit it committed an error. Wells Fargo has changed the reason ( s ) for denials for modification in every letter it has issued. WF wants to claim no harm no foul because I was able to eventually secure a refinance. However, that does not take away from the fact that Well Fargo 's numbers were wrong. It appears to be a flaw in Wells Fargo 's software utilized in reviewing a loan modification. Wells Fargo incorrectly relied on current payment, even if only PI to compare a modified payment which was PITI. This mistake could have far reaching ramifications in that thousands of borrowers could have lost their homes due to the use of incorrect numbers. On top of Wells Fargo 's mistake in utilizing incorrect numbers to determine PITI, it to date falsely claims that XXXX XXXX never approved me for a loan modification when in fact XXXX XXXX did approve me for a standard modification. I have had several conversations with XXXX XXXX directly where I was informed I was in fact approved and they even supplied me with the terms I was approved for. Wells Fargo claims XXXX XXXX was incorrect in stating I was approved and claims that XXXX XXXX used the wrong numbers ( numbers which they refuse to give me ). Now WF is claiming that XXXX XXXX never approved me. In typical fashion, WF changes its reason for denial as it sees fit not based on what actually occurred. WF is now stating it does not have the XXXX inputs it utilized in determining that I was denied yet WF is refusing to provide XXXX inputs claiming it doesn't have them which is false. WF has the numbers because it stated in a recent email what the proposed modified payment would be. Wells Fargo is lying.
Consumer complaint received 2016-01-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Io, Inc. (MD)

I am asking the CFPB to review the chain of responses that Receivables Management has given concerning this issue and review my complaint of their violation of the FDCPA. They have continued to violate the FCRA and FDCPA. Please review my attachment and then audit and investigate the operational process of this company as they have refused to adhere to the FDCPA laws as they continue to attempt to collect a debt i do not owe after FDCPA violations. 

In the confirmation letter stating they had received my dispute and that they were placing the account in dispute status while the wait on information from the supposed original creditor. Now this agency despite claiming to put the account in a dispute status continued to update my credit file without providing any validation of debt ( Violation of both FCRA and FDCPA ). Secondly at the bottom of their Confirmation Letter to me they had the statement " This is an Attempt to collect a debt '' ( a violation of the FCRA and FDCPA ), Once an account is in dispute a collection agency is to cease collection activities. Please review attachment carefully. By law, this agency is to delete this account from my credit file immediately. If not deleted they are liable to all penalties of FDCPA violations and legal actions from myself and the CFPB.
Consumer complaint received 2019-04-25
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. (MD)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 


XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX
Consumer complaint received 2018-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MA)

Dates : I was supposed to get the reward points by XXXX 2017 Amounts : XXXX reward points Actions : I have contacted the company ( American Express ) several time via Live chat, The representative admitted that I am eligible for the offer and filed a case. 
There was no answer after the 8 weeks of investigation that they promised. 
I've contacted them again but they was just asking my understanding. 

I have a copy of the live chatting transaction which can prove above facts.
Consumer complaint received 2022-05-13
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. (CA)

I submitted a dispute with Experian in XXXX, XXXX regarding an account at XXXX bank, XXXX, XXXX in XXXX, that was created in XXXX, XXXX by a fraudulent {$1.00} XXXX home equity loan on a property I owned and had no debt. The loan involved identity theft at the bank. Private banker XXXX XXXX showed me a HELOC document with my name spelled incorrectly and with no identification required from that bank 's notary stamp. The bank subsequently admitted in court to destroying the document. I wrote to the bank chairman XXXX XXXX ( XXXX, XXXX ) once I realized that my fraud complaint to the bank hotline was actually forwarded to XXXX. The bank has never released the transactions from the account, and I have never had access to the money. I also wrote to XXXX XXXX XXXX at XXXX, that bought XXXX. 
I paid thousands of dollars to attorneys, who tried unsuccessfully, to resolve the matter. In XXXX, XXXX, XXXX XXXX XXXX XXXX met with me and said the bank was working on solutions. I never heard back, and was advised to call the police, which began an investigation into identity theft ( XXXX, XXXX ). 
The details and documentation were forwarded to Experian, XXXX and XXXX, ( along with an FTC complaint ( XXXX, XXXX ), an FDIC complaint ( XXXX, XXXX ) Comptroller of Currency ( XXXX, XXXX ) and letters from my attorney ( XXXX, XXXX ), a personal statement, and personal identification verification. 
Experian is the only credit reporting agency that has not removed the fraudulent account and the disparaging remarks by XXXX from my credit history. 
Thank you.
Consumer complaint received 2019-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.