davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

CFPB Writeup : 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2016-07-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Phoenix Recovery Group (TX)

I requested debt validation on XXXX XXXX, 2016. The collection agency has never responded to that debt validation and is now in violation of the FDCPA, FCRA, as well as the Texas Finance Code as they placed it on my credit file and have continued to try to collect on the debt. They have however, verified the debt with each credit bureau.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX, whose address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone : ( XXXX ) XXXX wrongfully reported to all three credit reporting bureaus that my credit card account with a last digit # XXXX is late and past due for the months XXXX and XXXX of XXXX As a result of this clerical mistake my credit score went down XXXX XXXX, from XXXX to XXXX, and I lost access to a wide array of financial products previously available to me. 
All payments on this credit card have been made and sent by me to XXXX XXXX XXXX  in time. 
In good faith I disputed this issue multiple times with all three credit bureaus asking them to remove erroneous information in my credit file submitted by XXXX XXXX XXXX 
Despite those attempts, erroneous negative information stayed in all my credit reports. 
I also sent a letter to XXXX XXXX XXXX explaining the situation and asking them to remove erroneous negative information from credit bureaus. I have never received any answer from XXXX XXXX XXXX 
I have excellent credit and have never been late with any of my payments. Here I am, respectfully asking CFPB to take into consideration all the matters mentioned above and care for a full investigation. Thank you.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit score has dropped XXXX points since XX/XX/2017 to date, however the credit monitoring service nor XXXX, Transunion or XXXX credit bureaus can provide an explanation of the factors that influenced such a significant change.
Consumer complaint received 2024-02-02
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. (TX)

Equifax promise to me verbally over there phone that three accounts will be blocked/removed off my credit report and but they are still on my report and the dispute is taking more than 30 days on there end and a possible glitch on my credit report The accounts that are supposed to be one to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the number they gave me
Consumer complaint received 2020-05-04
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)

ftc violations XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting all the violations with experian
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has refused to provide me with online access to my credit report, claiming there are XXXX accounts associated with my social security number and has refused to provide details regarding the fraudulent usage of my SSN. They 've also refused to delete the inaccurate account associated with my social security number, claiming their information is correct. I submitted information regarding my identity, but they have refused to resolve the issue. If this is a case of identity fraud, they claim their information is accurate and refused to allow me to access my credit report online or off.
Consumer complaint received 2019-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AL)

Forged deed. XX/XX/2005, my home, XXXX XXXX XXXX, XXXX, per divorce court order, was sold to a person who, as I recently just learned, shows no record of ever existing. My home was flipped 4 months later at a {$40000.00} higher cost, with the fraudulent buyer of my home in XXXX turning over my large house quickly, at a much higher price, in a poor housing market at the time.The mortgage release, which my then spouse said I HAD to sign, with his providing no explanation for the delay from my home being, presumably, sold XX/XX/2005, and the release I was told to sign, from WAMU, being dated XX/XX/2005 ( after the XX/XX/2005 sale/flip, which at that time in XXXX, I knew nothing about. ) The mortgage company was Washington Mutual, now Chase Bank.
Consumer complaint received 2016-12-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

Enclosed is a letter with information that I sent to a collections company that was and is looking to collect a fraudulent loan that is fraud, bad faith, and done with a modus operandi that violates regular rules of collections and finance law. See letter below that was sent to Finance company.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Farrell Holdings, LLC (OH)

Upon viewing this contract Pac Auto Finance is in violation of fraud and security fraud I got the proof in this contract yesterday I revoked all rights over all contracts including # XXXX and any security tied to my social security number
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Good evening, I am contacting you today in regards to some inquires on my report that I didn't make, nor did I authorize anyone to make them. I have been trying to call the credit bureau 's, but they are never of any assistance to me. I've not only called a numerous amount of times, but I also mailed them letters. XXXX representative said they'd do it and it'll take XXXX - XXXX hours. once I called again another representative gave me other instructions to follow. I followed the second set of instructions and have yet to see any results.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I am following up on my recent credit dispute and re-submitting my FTC report # XXXX for your attention. I am requesting assistance with the removal of the remaining inquiries on my XXXX and Equifax credit reports. The specific inquiries I am asking to be removed are as follows : XXXX : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX -- -- -- -- EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Additionally, I would appreciate an updated copy of my credit report, reflecting the removal of these inquiries, to be sent to the address I have provided.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MA)

Since XX/XX/XXXX, I have trying to get all three credit reporting bureaus, Equifax, XXXX, and XXXX to add my XXXX XXXX account from XXXX account # ending in XXXX to my credit. Ive had this account for 7 years it still active and it has not been added to ANY of the accounts. XX/XX/XXXX called XXXX gave them my social again to report to all three Bureaus and they sent it over several times and Equifax nor XXXX nor XXXX added my account. XX/XX/XXXX called spoke with XXXX credit bureau XXXX unit at XXXX they will send credit report and gets on credit report 5 business days after but it was never added XX/XX/XXXX called Equifax added a consumer statement to add XXXX stated it is my account confirmation # XXXX I added a consumer statement on Equifax confirmation # XXXX XX/XX/XXXX again For same reason with XXXX account ending XXXX XX/XX/XXXX credit Bureau XXXX XXXX XXXX with XXXX They reported it on the XX/XX/XXXX. She re-reported today XX/XX/XXXX as an XXXX  Update sending over what data is today as of XXXX XXXX XXXXXX/XX/XXXX It should take 3-5 business days Friday/Monday of Next week to be added to Reporting Agencies XXXX Equifax and XXXX It was NEVER added Call all three Bureaus Again to make sure there is a consumer note XX/XX/XXXX called XXXX sent a consumer note called XXXX department priority escalations added Consumer Statement. Called Equifax updated consumer statement confirmation number # XXXX XXXX to follow up with statement to add these to my Credit it was never added to any of my cresit accounts. XXXX account ending # XXXX is my credit card account and it is active and it SHOULD be on my credit on XXXX, Equifax and XXXX and it is NOT
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX
Consumer complaint received 2019-05-16
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. (MO)

Checked my report on XX/XX/XXXX and I have a inquiry from XXXX XXXX and I have had my account with them since XXXX its fraud and they wont take it off.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax, on behalf of XXXX XXXX concerning their reporting of a judgment on my credit report. I have identified several violations of the Fair Credit Reporting Act ( FCRA ) that warrant immediate investigation and resolution. Details of the Complaint : **1. Re-aging of Debt ( 15 USC 1681c ) : ** Equifax, on behalf of XXXX XXXX, is reporting a judgment on my credit report, which appears to be re-aged, thereby extending the reporting period beyond the legally allowed timeframe. Re-aging a debt violates the FCRA, specifically under 15 USC 1681c, as it misrepresents the actual status of the judgment and extends the negative impact on my credit report. **2. Inaccurate Reporting ( 15 USC 1681e ( b ) ) : ** The information provided by is inaccurate as it does not reflect the current and accurate status of the judgment. The inaccurate reporting of this judgment is a direct violation of 15 USC 1681e ( b ) of the FCRA, which mandates that consumer reporting agencies ensure the maximum possible accuracy of the information they provide. **3. Use of Outdated Information to Persuade Adverse Actions ( 15 USC 1681b ) : ** Equifax, on behalf of XXXX XXXX is using outdated information in reporting the judgment, leading to potential adverse actions against me. This is a violation of 15 USC 1681b, as the reported information is not a true reflection of my current financial status. This inaccurate portrayal can have severe consequences, affecting my ability to secure credit or make important financial decisions. XXXX*4. Discrepancies with Other Credit Bureaus : ** Equifax, XXXX, and XXXX are reporting the debt associated with the judgment as current and paid on time. The inconsistency among credit reporting agencies raises questions about the accuracy and validity of the judgment reported by Equifax, on behalf of XXXXXXXX XXXX. I challenge the validity of the judgment and request that Equifax, on behalf of XXXX XXXX provides proof of the accuracy of their reporting. I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into the aforementioned violations committed by Equifax, on behalf of XXXX XXXX. I expect that appropriate action will be taken to rectify these violations and ensure compliance with the FCRA. Enclosed with this complaint, please find supporting documentation, including credit reports from multiple agencies highlighting the discrepancies in reporting. Thank you for your immediate attention to this matter. I trust that the Consumer Financial Protection Bureau will act promptly to address these violations and protect consumers ' rights. Sincerely, XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

Per 15 USC 6802, 12 CFR 1016.7 and 16 CFR 313.7, as a federally protected consumer, I am OPTING OUT of the furnishing/reporting of XXXX XXXX acct XXXX XXXX to my consumer report until further notice. This includes ANY and ALL authorization ( verbal, non-verbal, written, non-written ), I the consumer may have given XXXX, XXXX, EQUIFAX and XXXX XXXX to furnish/report information on my consumer report, Re : XXXX XXXX Acct XXXX XXXX.
Consumer complaint received 2024-04-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (FL)

I filled out the online form to request buyback for previous in school status but it was denied with no reason given. I've requested PSLF monthly qualifying payments over and over again for the period from XX/XX/XXXX to XX/XX/XXXX and XXXX just denies the requests. I've sent a request to student aid. I've filed complaints. They just close the complaint and don't credit me. I don't understand why. I was working full time at a qualified PSLF site the entire time I was in school during this time period. The employer was already approved as a PSLF site. Why can't I retroactively be given qualifying months? If I could I would almost be DONE. I already have XXXX eligible and qualified payments listed on XXXX website. I also have another XXXX or so more monthly qualifying months under the income based repayment plan at my current employer. Any help you could offer me would really be appreciated. I've been trying for many many months now to get XXXX and/or student aid to give me credit for already approved employment I also started paying on the income based repayment plan in XXXX at its inception. Also, my oldest loan dates back to XXXX?? I don't understand why I have not been awarded student loan forgiveness through any number of forgiveness programs for which I am presently eligible.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (OR)

signed up on line for a news feed account on XX/XX/24, site provides free news, offers for {$50.00} a enhanced version, better access, more up to date news. After signing up experience no difference, wasn't provided any way to contact, did receive same emails that were sent when it was free. I responded to these e-mails that I wanted to cancel, this was done several times within 2 weeks of having paid {$50.00}. No response. Notified credit card, towards the end of XXXX, received email last week that they were closing dispute.
Consumer complaint received 2016-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Delta Management Associates, Inc. (CA)

Delta Management Associates began contacting 3rd parties in XXXX 2016, including friends and co-workers whose contact numbers even I do n't have in attempts to reach me. The people contacted were in absolutely no way used as references in any of my debts. 

Delta Management said they wanted to know my whereabouts out of concern for my physical well-being. I contacted them at that time to let them know they should only contact me, by calling me either on my personal or work phone numbers. 

I was informed on XXXX/XXXX/16 that Delta Management had begun this practice again. They are attempting to arrange monthly payment of my student loan that is currently in default despite submitting and already enforcing a wage garnishment. I informed them recently that I am unable to make an arrangement until XXXX 2016 but they 've continued to make these types of calls.
Consumer complaint received 2015-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I have written about this dispute SEVERAL times and neither Equifax nor CFPB has taken proper action. 

Equifax continues to report INACCURATE information even though I 've complained directly to them, and via CFPB. I have sent documents via CFPB to support my claim, but NOTHING has been done to correct the error. Why does CFPB exist if they FAIL to uphold the law that requires them to penalize the CRB 's for inaccurate information when PROOF of the errors has been submitted?
Consumer complaint received 2020-05-04
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX, I fell victim to a puppy pet scam after sending {$160.00} as a deposit for a puppy sale that I saw on XXXX. I did not realize that such scams existed but I did get a signed contract before the money exchange. There are several parties involved from what I can tell. Unfortunately, I used the Wells Fargo XXXX payment option unknowing that I didn't have protection against scams and frauds such as this one. On XX/XX/2020, I paid XXXX XXXX using the name XXXX XXXX {$160.00} as a deposit for a puppy. After getting very suspicious and a friend telling me about how bad pet scams are, I did a search for pet scams and found that XXXX XXXX 's email was on the list and I fell victim to a fraud. I have several documents of proof and reported it to the Federal Trade Commission and FBI, but Wells Fargo refuses to open a claim, investigate or credit my money back. In the grand scheme of things, this is pennies for Wells Fargo and I've been banking with them for 11 years. For me, I'm unemployed and fell victim or a major global pet scandal.
Consumer complaint received 2018-05-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Upstate Collection Center, Inc. (NY)

Upstate collection center inc. 

The collection company calls me 5-10 times a day, I called them to see if I can come to a amount to agree on since the amount they are trying to collect is invalid and is all fees they charged, at that point the collection argent got very rude telling me I have to pay the whole thing I asked again if we could agree on something since the amount is not right, she continued to get hostile I then said to stop calling me and making any contact to me and my wife she then said thats fine we will continue to call your wife I said no I just said we dont want any contact its my debt and you need to stop calling she then threaten to sue me so I told her she can go XXXX her self and to not call me again. I dont feel I should be harassed and threatened expcialy when I have explained to them that my income falls under income that cant be garnished and there still threatening me. Something really needs to be done about this company when I look them up it comes up as perminatly closed
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (NJ)

I had a {$5000.00} credit limit with TD Bank for over 10 years. I was late on paying my account and they lowered my credit limit to {$500.00}. That lowered my credit score and now looks bad. I was n't even 30 days late.
Consumer complaint received 2016-04-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NJ)

I have been scammed by company called XXXX Home base business. With a counterfeit check in the amount of {$2900.00} and my bank has authorized the transition of that check less than 5 business day rule. I have been with TD bank for a while and I never overdraft my account and Now my account is overdraft and the bank wants me to payback the money because fake check was written under my name and was deposit in my account. I called my bank more than once and I went to the bank in person. They telling me that they have no way of knowing the check is bad. Until transaction take place. My question is if the banks that have seen all kind of bad checks and counterfeit money and they do n't have best methods of protecting consumers from frauds. Now I have to pay back the money that I did not use on my own. as a consumer I 'm requesting that FDIC need to have regulation to in force with the banking system on how to prevent Fraud and protect consumer of this country by purchasing the equipment that will detect counterfeit checks or money as soon it deposit not making money available unless the checks is real. I believe the bank should be able to have a machine that process checks and counterfeit money as it is deposit. That is the only way we can stop fraud activity and prevent me. I have been with TD bank for a long time never my account balance is law and ca n't cover my charges TD bank never authorized my transaction. How can TD-bank authorized this amount of money less than 24 hours and it a fake checks? Now my account is frozen and TD bank is telling me I over draft my account. I have no money to pay TD bank for this. I did not take money it is a Fraud activity that Bank is responsible taking it responsibility and preventing me as a consumer.