davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-02
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: EQUIFAX, INC. (TX)

So, I initially disputed a Chapter  XXXX  Bankruptcy  XXXX / XXXX /   2017  through the CFPB I did received a response today 32 days later so this is not a problem. However, look at the response Equifax sent with regards to my initial complaint. Please reference CFPB Complaint #  XXXX  You guys " Closed the dispute '' on  XXXX / XXXX /   2017  with this reply from Equifax..  ( you s hould clearly see and know I am NOT  XXXX   XXXX  I am  XXXX   XXXX   XXXX   )  But you guys let them keep reporting this information.     Company 's Response Dear  XXXX   XXXX , we received the complaint you submitted through the Consumer Financial Protection Bureau Portal. Equifax has reviewed the complaint and its records. Bankruptcy case  XXXX  has been verified by the data furnisher as correctly reporting with your name, social security number and address. Written confirmation has been sent to you. Please all ow 7-10 busin ess days for delivery. If you have documents that release you from these obligations, please forward them to Equifax Disputes,  XXXX .  XXXX   XXXX   XXXX , GA  XXXX  or y ou may visit us at www.equifax.com. Please note that for future disputes of credit report information, you may visit www.equifax.com.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have some errors on my credit report that need to be deleted i am applying for a house and i need everything on my credit to be 100 % accurate according to FCRA. I have disputed these account and pointed out some violation they have reported on this collection and they did not comply with me and need to be deleted are listed below. 


Please delete this collections. 

XXXX XXXX acct # : XXXX Amount : {$8800.00} XXXX XXXX 
acct # : XXXX amount : {$420.00} Please delete this charge-offs XXXX XXXX acct # : XXXX Amount : {$580.00} XXXX XXXX  acct # : XXXX Amount : {$480.00} XXXX XXXX acct # : XXXX Amount : {$4900.00} These accounts are violating 15 U.S. Code 1692e - False or misleading representations code ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am submitting this complaint about transunion as I have been disputing incorrect information that is reporting on my transunion credit report. XXXX is reporting XXXX loans that have been charged off to a bad debt. This information is incorrect as there way only XXXX loan taken not XXXX. I contacted the XXXX in regards to this and received a response from them today that they have attempted twice to contact XXXX on my behalf and they have not received a response and must close the case. I am submitting this complaint to the fcra because to my understanding if a company does not respond within the allowed time frame it must be deleted. I am requesting that this XXXX loan that is reporting incorrectly be removed.
Consumer complaint received 2017-03-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (CA)

a little while ago I pulled my credit reports and noticed a collection from ad astra on behalf of XXXX. I tried disputing the charge and a week later i got a letter from them trying to settle.I am not about to settle anything i do n't owe!!
Consumer complaint received 2017-03-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a list of collections and creditors that repeatedly get removed only to be reinserted, sometimes the SAME DAY! Some are removed from my credit report and put onto my husband 's report, others just get reinserted or change company names. Some are disputed and then removed, sometimes the previously removed items are reinserted and deemed valid, by the credit reporting agency that removed them previously.
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I requested Transunion investigate the XXXX payment history on my account, The payment history appeared to be a pattern and made no sense. XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX XXXX XXXX XXXX XXXX ok XXXX XXXX XXXX I have made several attempts to have this inaccurate information removed from my account. They continue to update this information with the same errors.
Consumer complaint received 2015-11-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IL)

I am filing this complaint because Equifax has ignored my request to provide me with the documents their company has on file that was used to verify these accounts, under the Section 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... Promply delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2016-04-16
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: United Shore Financial Services, LLC (MI)

United Wholesale Mortgage got XXXX XXXX XXXX to sign a note and mortgage to United Wholesale Mortgage 's benefit and they advanced no money. The note and mortgage are payable to United Wholesale Mortgage. XXXX XXXX XXXX and United Wholesale Mortgage have a false relationship of " maker '' and " XXXX '' on the note that never should have been released from " closing '' had the real facts been revealed by disclosures required by the Truth in Lending Act. United Wholesale Mortgage securitized the paper but not the debt.
Consumer complaint received 2015-10-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

I asked for my yearly credit reports from XXXX XXXX XXXX, XXXX Equifax online. I never received any of the reports. I did this in XXXX and around XXXX I checked with all to see if my annual reports of hard copies had been sent to me. The hard copy reports had not been sent, but XXXX XXXX, and Equaifax stated they had been sent, but I never received them. XXXX would not even let me check to see a status unless I bought a XXXX look to see if it was there. I have till this day not received any of them, and I have a dispute I want to check with Equaifax, and they will not even let me see my report.
Consumer complaint received 2015-07-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX 2015 we sent Chase bank a letter requesting, under the XXXX XXXX XXXX, part of RESPA, a " qualified written request ''. Chase responded they do n't recognize our current address and asked us to send them a signed letter verifying our current address which we did, along with another copy of the original letter on XXXX XXXX 2015. They responded with same request for us to send address verification. 
We have done so. If you look at our credit reports our current address shows up, if Chase does not believe us a soft inquiry to our credit report would solve the problem. They have done these inquiries in the past. It is obvious they are avoiding us and breaking the law which REQUIRES a response in 20 days. They are intentionally causing us harm and we believe part of it is because we are a XXXX XXXX family.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX and 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 2016-06-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (UT)

Well Fargo dealer services, they keep harassing me. I will get 4 to 5 calls a day from them. After they disconnected with my line they call my brother 's number the same amount of time, that between 8 to 10 attempt in one day. Not only are they calling the loan holders but they are harassing other member of my family that have nothing to do with this loan. 

When we do speak with them, the supervisor XXXX, threatens me about coming and getting my car, tells me that my hardship is inexcusable and will not work with me at this time. I have explained my hardship and tried to work out an arrangement with them. 

I am still being harassed by Wells Fargo dealer services even after we have explained that I am going to be filing bankruptcy
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

COMPANY XXXX IS REPORTING FRAUDULENT ACCOUNTS ONMY CREDIT REPORT. THIS COMPANY HAS BEEN INVOLVED IN MULTIPLE DATA BREACHES, CIVIL LAWSUITS, AND CLASS ACTION LAWSUITS. THIS COMPANY AGAIN IS REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. PLEASE REMOVE ALL ACCOUNTS AND UNAUTHORIZED INQUIRIES ON CREDIT REPORT.
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. These accounts ( CAPITAL ONE AUTO FINAN ) is reporting on my personal credit file with XXXX, XXXX, XXXX ( Credit Reporting Agencies ). I need to report CAPITAL ONE AUTO FINAN for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late, but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great XXXX & XXXX XXXX XXXXnd creating me sleepless nights where its impacting my job performance. Please have these matters resolved ASAP. ( CAPITAL ONE BANK USA N XXXX Balance {$1100.00} ) ( CAPITAL ONE BANK USA N XXXX Balance {$2000.00} ) ( CAPITAL ONE BANK USA N XXXX Balance {$1900.00} Credit Card ).
Consumer complaint received 2022-09-07
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. These accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need these corrected at once. This is your final chance to resolve the inaccuracies on the items : XXXX BANK XXXX Date Opened XX/XX/XXXX Balance {>= $1,000,000} Late/Open Late Date XXXX, XXXX BANK XXXX Date XXXX Balance : $ XXXX Late Date XX/XX/XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Dates XX/XX/XXXX
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX XXXX of XXXX, I mistakenly sent a payment to an American Express credit card that has been closed since XXXX. The account with American Express was negotiated and settled for less than the amount owed through a court-approved judgment. I had made all payments as agreed to and satisfaction of the agreement was filed with the court. My account was closed and reported to the Credit Bureau as such with XXXX balance. 

I accidentally sent a {$3000.00} payment to this closed American Express card as it used to be my XXXX branded card. By mistake or an online glitch, the payment was to be sent to my current XXXX XXXX credit card. When I did not see the payment credit after two weeks, I realized the issue. 

I contact AMEX on XXXX XXXX, XXXX, to return my {$3000.00}. They acknowledged receiving the monies and acknowledged it was received against a settled and closed account. They promised to send a check back to me in the mail and took my bank information in case they would prefer to wire the money back. 

On XXXX XXXX, XXXX, I called AMEX and got transferred to 7 different individuals where the last customer service guy, clearly speaking to me from XXXX, informed me that AMEX will not return my money back. Their excuse is that I voluntarily sent the money to them and they are not obligated to send it back to me. This is, of course, unacceptable for many reasons : 1 ) We have a negotiated and completed settlement agreement filed and executed with the court 2 ) AMEX attempted to deny receiving my payments in the past and garnished my account. I sued them and reversed the judgment as I proved they had received all payment. An application to remove judgment was filed by AMEX 3 ) My credit Bureaus report " AMEX account Closed '', " Charged Off '', " XXXX Balance '' 4 ) AMEX has already received a tax credit against this charge off. My tax dollars were utilized with the charge off 5 ) Why would I ever spend {$3000.00} to an already closed and charged off account.
6 ) How could a Multi-Billion dollar in quarterly profits company like American Express take advantage of a struggling consumer like I am is beyond any moral, corporate, social or ethical protocols?
Consumer complaint received 2015-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (OK)

I believe that XXXX XXXX XXXX XXXX ( XXXX ) is reporting a debt that ( 1 ) should be removed due to Case XXXX and ( 2 ) they are parking/re-aging the debt by not reporting the actual date of last payment. 

I sent XXXX a letter that requested that XXXX XXXX XXXX XXXX ( XXXX ) remove a Trade Line from my credit reports pursuant to the Federal Trade Commission vs. XXXX XXXX and XXXX XXXX XXXX Case XXXX. 

I included copies of the following pages for thier convenience : Page XXXX - Court Case ListingPage XXXX & XXXX - Specific Credit Card Programs included in this order listing " XXXX '' and XXXX, including its successors and assigns. 
Page XXXX - Specifically Paragraph XXXX which states that within 60 Days of the Order, ALL affected trade lines shall be removed from credit reports. 

I provided XXXX reference numbers, original account numbers, and personal identification information. 

The letter also informed XXXX that all XXXX Credit Reporting Agencies deleted the original XXXX issued by XXXX. If The Original Creditor ( XXXX ) could not validate, resulting in Trade Line removal, then certainly XXXX ca n't validate. 

XXXX responded to my letter XXXX/XXXX/15 and stated that they " deny that our records are inaccurate '' and stated " you did not provide sufficient information ''.
Consumer complaint received 2022-02-16
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Metro Area Collection Service, Inc. (FL)

This company has called relatives asking for my information pretending to be police officers. 

I requested they prove the debt is mine on XX/XX/2021 and they refuse to validate the debt. are reporting erroneous information to credit bureaus in an attempt to extort. 

Reporting different amounts to each, and harassing communication on the phone.
Consumer complaint received 2016-05-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There is ID theft and discrimination. The company is unknown. I would cope up with the steps and procedures which the cfpb is going to take as long as it is required. Protection of credit discrimination must not have worked like that anyway.
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I have XXXX items that are being reported on my credit reports that are identity theft. I just received and e-mail from XXXX that they are not reporting the XXXX accounts that were opened up frauduently in my name. I am waiting to receive an updated report from transunion to confirm this information as last month 's credit report shows the XXXX accounts are still on there. I have been disputing this information for months now with XXXX/equifax/XXXX. I am submitting a complaint because Equifax nor XXXX are addressing this issue and my credit score is being affected due to identity theft.
Consumer complaint received 2022-08-09
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. (NE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was laid off in XX/XX/XXXX from Bank of America where I have my mortgage loan. In XX/XX/XXXX I was hired at another company but my income was decreased. I applied for home loan assistance with Bank of America and was declined. In XX/XX/XXXX I applied again for home loan assistance because I was going through a divorce hardship. Bank of America refused to follow up with my loan application and prolonged the process for months. My counselor never contacted me in a timely manner to let me know what documents were needed to review my application. The only want I would know that something was missing from my application was to call her. The representatives never returned my calls in a timely manner. In XX/XX/XXXX, I finally received that a notice that my application was declined because there was no evidence of hardship. After speaking with a representative she advised me that I could appeal the process and another representative advised me that because I was divorced I did have a true hardship but that I would need to reapply. This conversation took place on Tuesday XX/XX/XXXX. The representative advised me that I would get a new application package overnighted to me the next. I still have not received this application. Bank of America has been the worst bank and they have not tried to assist me. I am fed up and would like help immediately. I feel that this is a UDAP issue because they have prolonged my application and because my loan was declined when I did show hardship.
Consumer complaint received 2021-06-06
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. (FL)

Filed a complaint regarding XXXX and their refusal to honor mandates. Received a closure regarding the accounts and that the are closed. XXXX and Trans Union repeatedly reports on my credit report the accounts are missed payments. After receipt of the complaint results. Both are refusing to resolve the matter.