davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

On the date of XX/XX/XXXX I contacted XXXX about the unverifiable accounts addresses and inquires pertaining to invalid and unauthorized information being reported by information being reported on my credit report. it has been over 30days since I have submitted my dispute and I have heard or seen any progress in an investigation
Consumer complaint received 2021-10-11
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: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts : XXXX Balance {$0.00} Opened Date XX/XX/2017. 
XXXX XXXX  XXXX XXXX {$0.00} Opened Date XX/XX/2017 2017
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2023-04-01
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)

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

An original letter was sent to the credit bureau in XXXX. I didn't receive a response so I entered a complaint on CFPB for XXXX. Bureau responded and asked for confirmation of identity. The requested information was submitted with the original request letter from XXXX as indicated in the letter from the credit bureau.The personal information on my credit report is still being inaccurately reported.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently submitted a request for investigation of these accounts list below, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate these accounts thoroughly enough the last time I submitted one. 
If you had investigated properly, rather than use your e-Oscar system, you would have known, that not only I have never file bankruptcy, but that I am not sure that these accounts are even mine though your company claims to have verified this. 
It is at this time that I will point out that in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 
If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter. 
REMOVE ACCOUNT 1. US Bankruptcy Court Account # XXXX 2. US Bankruptcy Court Account # XXXX 3. XXXX Account # XXXX 4. XXXX Account # XXXX 5. XXXX  Account # XXXX 6XXXX Account # XXXX
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Im a single mother of XXXX children & purchased my home in XXXX. I had never been late on a mortgage until last year when my car broke down and needed a new transmission. I was two months behind when a loan modification was pitched to me by a Wells Fargo home preservation specialist. 
I qualified for the modification after an extensive review in XXXX, XXXX. In XX/XX/XXXX, Wells Fargo reversed the decision and the two payments I made during my trial period were sent to escrow. I have in writing from WF that the decision was based on an error by a home preservation representative. ( I pleaded for them to listen to the phone calls ). I was advised by the attorney representing WF to reapply for modification and was told that was my only chance at saving my home so I complied and started the  process all over again. An email on XX/XX/XXXX stated a decision had been made. I couldnt not reach a home preservation rep once I got that email. Finally in XXXX, an executive mortgage specialist was able to contact with my home preservation specialist via three way call with me. He stated he moved my account into forbearance which I was unaware of. I did not consent nor request. That action suspended my modification review and a sales date was  set for XX/XX/XXXX. ( Forbearance period over XX/XX/XXXX ). I would have been blind-sighted by the sale. 
I was then denied for a modification in XXXX after providing everything WF requested. My children & I endured total strangers coming to my home inquiring about the sheriffs sale and my name was listed in the newspaper about the foreclosure-during a global pandemic. 
The sales date was moved to XX/XX/XXXX and most recently XXXX obtained photos of my home and the listing was updated with photos. ( Wells Fargo denies any involvement or responsibility for the pictures or listing on XXXX ). 
I have the money to now pay WF in full however I do not trust their actions and fear for the $ XXXX that was saved and also pulled from my 401k. ( During a pandemic ). My employer issued a no interest loan to cover what Im short in paying WF in full which contains countless attorney fees.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to dispute the alleged debt referenced in your recent correspondence and request validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I demand competent evidence demonstrating my legal obligation to pay, including proof of the debt, chain of title, errors and omissions policy number, and any relevant documentation. I require a response within 30 days, failure of which will result in the removal of references to the debt from my credit file and cessation of collection activity. Any negative reporting to credit bureaus must cease immediately until this matter is resolved, and I demand the balance be XXXX  out if validation is provided. Failure to comply will result in further legal action to protect my rights. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-11-30
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)

Hello! My identity was stolen from me and I noticed alot of fraud on my credit report. I have filed for Identity theft. Please help me by removing the accounts from my credit report. I have attached my Identification accompanied with my federal trade commission report. This is a serious matter as I can't move on with my life.
Consumer complaint received 2020-11-30
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. (NC)

I finance a car through XXXX XXXX XXXX since 2016 ). A few months ago, it came to my attention that they had reported several late payments to the XXXX XXXX XXXX, which I believe are in error. I have contacted XXXX XXXX, as well as the CRAs several times to no avail. This erroneous reporting has had a severe negative impact on me, as I have been recently denied credit, including a mortgage. I have proof of payments that were made for the months in question, as well as extension agreements where XXXX XXXX agreed to allow me to skip monthly payments. XXXX XXXX and the CRAs are violating the Fair Credit Reporting Act that states only true and accurate information can be reported, or else MUST be removed. At the very least, there is proof that XXXX XXXX has not reported my payments accurately. They have reported me as 30, 60, even 90 days past due inaccurately! I have made several requests to them to fix their error, even attempting to email the CEO personally. I'd like the inaccuracies removed immediately. The inaccurate information violates both the FCRA and the extension agreement granted to me.
Consumer complaint received 2017-11-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

Made a purcharse in XXXX, for 04 computers, was suppossed to wire the money through XXXX  keeping the reference number to myself until the package was delivered. They asked for a proof of the transfer, they asked for me to send a picture of the receipt covering the reference number ( which is suppossed to be the only way to cash out the money from moneygram ), and with the receipt and with out the REFERENCE NUMBER they cash out the money from moneygram in XXXX. Thought XXXX guaranteed the transfer only if the receiver presented the Reference number.
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

my card and idenity was comprimised i never used this chase freedom account for a while and the card was stolen i called this bank and went to the branch to prove to them this card was stolen this account is reflecting a balance of XXXX.+ that was never used by me it was fraud charges i filed a report with the police and they refused to credit the charges i sent proof i was in XXXX when this fraud occured there violating my rights with the fair credit and billing act the lady said XXXX remarks and thats why she denied by claim i sent my travel papers to her supervisor showing i was out of the country they still denied by claim she wanted me to go the police and get her a copy of the report and i dont have to do none of that thats her job no where does it say under the fbca i have to do that
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

These companies obtained my report without my consent or knowledge 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 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 2021-08-20
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. (NY)

This accounts are unauthorized and need to be deleted immediately. I have repeatedly requested for these accounts to be deleted. This company is in violation. I am in litigation and by law these accounts must be deleted. Please see attached.
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (IL)

When trying to make a monthly mortgage payment to Gregory Funding, which is a new mortgage company, as our loan was transferred, the website keeps crashing. When attempting to call, the number provided goes to some random voicemail. I have no confidence in making payments to this company.
Consumer complaint received 2017-12-14
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: Capio Partners, LLC (FL)

To whom it may concern : I am disputing the following accounts as an affidavit, I have contacted the state attorneys office, The XXXX, filed a lawsuit against your company for falsely accusing me of owing your company, using my credit file without my consent which is violating my rights and several sections in The Fair Credit Act. 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # xxxx I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and XXXX XXXX XXXX and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX
Consumer complaint received 2022-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My prior mortgage service XXXX sold our loan to Mr. Cooper. We have asked multiple times to change our payment date from the XXXX to the XXXX to best align with our pay cycle and were told no, but as long as its in receipt by the XXXX its within grace. So we have paid on the XXXX of the month. Every month we are receiving reminder calls and this past month they called daily, even twice a day about the payment even after it was scheduled for the XXXX on their online payment portal. This is XXXX inducing and an inappropriate collection practice, especially when the payment is already set up to be pulled from my account through their website.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Dear CFPB representative, According to my Experian, XXXX and XXXX Credit file I filed for bankruptcy. Before this FALSE INFORMATION was reported, my credit score was a 700+ and my balances were very low. I wasnt having credit issues and no need to file for bankruptcy. However, someone elses bankruptcy is being reported on my credit file. As you can imagine this has drastically impacted my credit score. After speaking with a representative from each company I was advised that the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is where they received this false information about a Bankruptcy. However, when I reached out to both of these agencies they either told me that they couldnt find my information or that the bankruptcy had been verified ( They never sent me any proof of verification ). Moreover, XXXX has completely ignored my request to tell me where they received this false information and to remove it. Even after I gave them proof ( letter from the bankruptcy court they have listed on my credit reports ) that they made a mistake and must remove it from my credit report. 

Frustrated, I decided to contact the Bankruptcy court, and they informed me that they do not provide anyone with a debtors full social security number, and they do not perform any activities with the credit bureaus. They also stated that they couldnt find the case name or number. I have attached documents of proof to this letter. CAN YOU PLEASE HELP ME RECTIFY THIS MATTER. My credit score means everything to me and this issue has really set me back. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-04-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: BANCO POPULAR DE PUERTO RICO (MS)

I was. Contacted via text from a guy stating he was a Fiancial rep for XXXX XXXX XXXX XXXX extension XXXX. He gave me the loan the filling morning XXXX. However, he told me I needed to send XXXX back for verification purposes and then he would fully release the funds. He then withdrew the XXXX and took the XXXX. This is a total con XXXX XXXX. XXXX.
Consumer complaint received 2020-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION PROFESSIONALS INC (Illinois) (IL)

On XX/XX/20 I checked my credit and found Collection Professionals marked me as having outstanding bills due. These accounts was never a collections account and vendor extended payment plan. All checks went to vendor and never to collections agency because it was NOT A COLLECTION, Not even the correct account number or date on one. From the first dispute they removed 4 of the accounts and left 3 which were not collection accounts. The most recent demand for money from them was of XX/XX/20 showing 5 different accounts that are not even open because all accounts have been paid in full and closed with vendor, some over a year ago.
Consumer complaint received 2020-10-23
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. (PA)

Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX XXXX XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX have purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo closed my credit card acct even though payment was satisfied for that month in cash payment inside branch. 

Wells Fargo had initially responded I didn't. 

Wells Fargo has gone over the limit on days to respond to my request and has already REPORTED the negative status to my credit report.