davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-11
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)

I have disputed the same companies on my credit report over 3 times. I still to date have not received written proof of the dept. I have sent multiple letters since 2019 and still got no resolution. i have sent court documents and still its on my report.
Consumer complaint received 2021-04-11
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. (NV)

I have sent several requests to XXXX, XXXX  and Equifax regarding duplicate and old information listed in my credit report and have not received any corrections to my credit report. I sent these notices back in XX/XX/XXXX, a second request XX/XX/XXXX and a third one XX/XX/XXXX. It has been several months and I haven't heard anything. I'm not really sure what else I can do so I am submitting this complaint to have the credit agencies remove the duplicate student loans, old collections and late payments from my credit report.
Consumer complaint received 2021-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (CA)

I filed a dispute with TD bank for debit card purchase. On XXXX XXXX for {$6000.00}. Against XXXX XXXX  and XXXX XXXX. After waiting for 90 days they closed the cad without providing me the refund. 
Account number is XXXX
Consumer complaint received 2021-05-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc. (CA)

I changed financial servicing companies as BSI Financial Services lousy service was an issue i moved my account for my home to another institution, my BSI loan was paid in full and confirmed. 

Yet BSI has and is withholding mu refunds as they have again and again overcharged me now owing me over {$620.00} i asked when and why they are holding MY MONEY, the answer was " Yes he got the wired funds and they cleared the banks, but BSI has a " Reputation '' of keeping large sums of monies from people like your self to make more on % until we are forced to refund funds to those we owe '' I find this reprehensible, illegal and demand my over-payment funds be returned to me ASAP
Consumer complaint received 2021-04-11
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. (CA)

I XXXX XXXX am tried of reaching out to XXXX, XXXX, and Equifax and waiting on a response and I feel these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute I am ready to file a complaint with the FTC and XXXX  because to my knowledge I do not recall any of these accounts. Its been over 60 days and I need these problems fix ASAP I will not wait another 50 plus days to receive no response because clearly, I am being ignored. I demand these accounts to be deleted immediately, or I will file for litigation due to the stress you cost me. Thank You
Consumer complaint received 2022-04-26
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. (TX)

I disputed inquiries that were done without my knowledge and or consent and they are still on my report. Under FCRA laws, I have the right to an accurate and true report. You can not verify or tell me something is true because its showing on my report. The credit report is information from third parties who can and will not speak for me. Please remove them. It was disputed within the bureau and as you are the distributor of my credit report, this is a bureau issue.
Consumer complaint received 2021-10-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (FL)

When I checked my Credit score on XXXX XXXX i noticed the debt. I wrote to them to let them know that I dont know anything bout the collection. I also called and spoke to the agency to let them know. Apparently this debt has been passed over to many debt collectors.
Consumer complaint received 2021-04-11
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: Experian Information Solutions Inc. (NV)

I have sent several requests to Experian, XXXX  and XXXX  regarding duplicate and old information listed in my credit report and have not received any corrections to my credit report. I sent these notices back in XX/XX/XXXX, a second request XX/XX/XXXX and a third one  XX/XX/XXXX. It has been several months and I haven't heard anything. I'm not really sure what else I can do so I am submitting this complaint to have the credit agencies remove the duplicate student loans, old collections and late payments from my credit report.
Consumer complaint received 2021-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (ME)

Jefferson capital systems appeared on my credit report XX/XX/21 which dropped it XXXX points claiming a debt that has never been mine. An amount of {$950.00}. Ive never been contacted in mail / email or phone call before this date referring to any such debt or amount from the above company or any other company. When credit scores are such a hard thing to maintain an unannounced false debt hits pretty hard.
Consumer complaint received 2021-10-12
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. (TX)

I am a consumer not a credit reporting agency. This credit reporting agency from XXXX think they can violate and terrorize consumers by violating their rights and carry out aggravated identity theft on a daily basis. I have fraudulants accounts and inquiries that have been dismissed and this company doesn't think the law applies to them.
Consumer complaint received 2020-12-02
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: Mid-Atlantic Finance Co., Inc. (TX)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2021-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (IN)

Regions continues to refuse to work with us in rectifying their misapplication of our mortgage payment. On [ XX/XX/XXXX at XXXX XXXX ] we asked Regions : " I would like to request/confirm that any additional payments I make to this mortgage will be applied solely to the principal? Thank you. '' The next day we received the response " Yes, the additional payments can be applied to the account. Please make payments after the current payments is due and prior to the next one. The website is the best place to confirm if they were applied as intended. '' We followed their instructions and noticed that the payments were NOT applied as intended. We have been attempting to work directly with Regions and with the assistance of the CFPB since XXXX to have them fix the issue but to no avail as they do not respond to our attempts to contact them. 

We sent a message through the online portal to XXXX XXXX on XX/XX/XXXX and have not received a response. We called a Loan Servicing Escalation Specialist, XXXX XXXX, at XXXX, and left a message around XXXX XXXX  EST on XX/XX/XXXX requesting assistance but have not heard back. On XX/XX/XXXX, we sent a message responding to Loan Servicing Escalation Specialist, XXXX XXXX, per his request, but have not heard back. 

For the record, Regions claims that " a letter dated XX/XX/XXXX was sent to the customer explaining the issue. '' We have informed Regions on multiple occasions that we received no such letter. We have triple, and quadruple checked our files of correspondence, and even verified with the USPS informed delivery service. Therefore, we maintain that no such letter was sent to us. 

We'd proposed a simple solution : we would consider this issue resolved if what we requested 7 months ago was honored : a simple correction of their misapplication wherein {$4500.00} is applied to the principal on XX/XX/XXXX. We will immediately pay an additional {$1500.00} to satisfy the outstanding payment at that point and make our loan current and whole. Regions contacted us and informed us that they would mark us delinquent in this instance ... however we find it unacceptable to penalize and hold the customer delinquent when Regions, by their own admission on XX/XX/XXXX, gave us improper instructions : " From what I see is that you may have used the wrong option to pay principal only. This is not your fault, because the proper instructions should have been provided. '' XXXX ( Regions representative ) We sincerely hope this institution will begin to value its Mortgage customers who enter into transaction with them at great personal cost.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I am writing to express my concern regarding the inaccurate negative item on my credit report. Specifically, this account : ( XXXX XXXX XXXX XXXX  ). I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. 

I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

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 corrected : 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 XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2021-04-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (TX)

XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against XXXX/Comenity/Wayfair. XXXX has placed false fraudulent information onto my credit files, and I want all of this false fraudulent information removed from all of my credit files. 

I am attaching a copy of my credit report, and the report clearly shows that Comenity has falsified information. 

For starters, I am disputing the {$1700.00} dollars that Comenity claims that I owe to them, I do not owe that money. 

Comenity has run up that balance themselves, with their usury interest charges and fees. I have had no dealings with Comenity since around XXXX or XXXX of XXXX, yet by what the credit report shows, Comenity has lied and claimed that I made a recent {$41.00} payment to them on this balance that I do not owe, and I have made no such payment. 

They are showing on the report as though I had dealings with them in XXXX, and that is in no way truthful. 
Comenity has manipulated the status data with the dates and amounts to justify this false balance that they are trying to charge me for. 

In the comment area of the report, Comenity is showing that they have another lender who has purchased this debt, and I have disputed this debt with Comenity before. Comenity continues to pass on this fraudulent information onto other collection agencies that are listing themselves onto my credit files as well, with these collectors not verifying the debt with me, they are listing both themselves, as well as Comenity with this debt, on my credit files, and I disputed with the collectors, and they as well as Comenity both continue to be listed on my credit files. 

I requested from the credit bureaus a copy of my credit reports, and this is how I learned about the collections being placed onto my credit files. 

My credit rating is being destroyed twice, by both Comenity, and the collection agencies reporting this false inaccurate information. 
Comenity is being malicious, they are intentionally slandering my credit, and they know that I did not run up that debt that they are ruining my financial life with. 

I want XXXX/Comenity/Wayfair, and their collectors, to cease and desist from harassing me. Any communication from, XXXX/Comenity/Wayfair can go through the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau, can contact me.
Consumer complaint received 2021-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

If wells fargo wants someone like XXXX XXXX running them into the ground find. I'm done with them & trying to convince them I never harassed her. She made fools of them like she has everyone else against me. I've tried to explain over and over that there was no problem between me and wells fargo until XXXX XXXX falsely accused me. But they have become just like her that is why they are against me. I know I never harassed her & that is all that matters. They want to throw that in my face they have the right to close my account fine. But they weren't having any issues with me until XXXX XXXX & the rest & what kind of criminal employees they have working at the XXXX XXXX wells fargo that did these criminal things against me. They don't want me as a customer fine. Well people don't have to use them as a bank either. I will tell my story of how unfairly & unjust I was treated by wells fargo & how they sided with a know false accuser. They want to look bad because of XXXX XXXX that is fine with me. Wells fargo deserves to be run into the ground. That is their made up story that I would be happy at another bank. I was happy at wells fargo until XXXX XXXX falsely accused me & got the entire wells fargo bank against me. They were also the ones pushing her to file harassment charges against me.
Consumer complaint received 2023-03-26
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. (AZ)

Previous and on XXXX2023 my credit was reported as XXXX. NONE of my actual FICO or XXXX scores are XXXX. I have attached all Bank and Credit scores as reported on Experian, XXXX and XXXX. I contacted them multiple times.
Consumer complaint received 2023-03-26
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. (OK)

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (TX)

I saw this account on my credit report. I have never received any information on this debt. This collection agency is in violation of my rights because I never gave the original creditor permission to give my information to anyone. I also, asked them to send me the verification process for this debt with and the certified mail receipt with my signature. XXXX also sold this debt and is reporting false payment information that I didnt make. This is a fraudulent credit card that was opened without my consent then sold to a collection.
Consumer complaint received 2022-04-26
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. (MD)

They have late payments from kohls credit card for 30 day late But its wrong and account is paid in full Never been late. I call customer service and they remove later fees and refund them to me as payment they get from me not adding to my account correctly
Consumer complaint received 2021-08-21
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (AL)

I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.