davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I completed a mortgage refinance with XXXX Mortgage XXXX XX/XX/2021. We had originally closed on the refinance on XX/XX/2021, but immediately after the closing an error was found in the closing documents. XXXX Mortgage decided to redo the closing process and a corrected closing happened on XX/XX/2021. After closing, I received notice that my mortgage was sold to XXXX and a mortgage appeared in my personal XXXX account online. However, the information about the mortgage was incorrect and based on the errant closing. I contacted XXXX Mortgage within a few days and asked about this account. They stated that was not the correct mortgage and that it should be cleared up in a few days. I was told not to worry about it and that I should just pay the correct mortgage through the XXXX XXXX. Unfortunately, after that I had a medical issue that required major XXXX and I was unable to give my attention to the matter for several months while I recovered. Since recovery, I have contacted both XXXX and XXXX Mortgage to resolve the issue. Both companies state that I am not responsible for the account and that it was due to an error, although it took several attempts for XXXX to admit this. They both claim that they are working to resolve the issue. I have repeatedly disputed the account with all three credit bureaus, yet each dispute is " resolved '' as confirming the account as accurate. I have asked for documentation ( a letter ) from both XXXX and XXXX Mortgage that states that I am not responsible for the account and that it was opened in error, but have yet to receive any such documentation. This account continues to be a drag on my credit score/report and at this point is on the verge of foreclosure. We are in the process of trying to sell our current home and buy a new one, but my current credit score prevents me from getting any kind of pre-approval or to move forward with any offers on houses. I am unable to refinance other debts or take any steps to improve our credit situation until this is resolved.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (GA)

We hired XXXX XXXX with XXXX XXXX and design to remodel our home. He gutted house and left with two payments we didnt receive work or product for. 1st one XX/XX/22 in amount of XXXX for cabinet ordered and framing paid for XXXX paid on XX/XX/22 that we never received. We have tried hiring attorney but its a lot of money. We filed complaints with XXXX  and filed report with XXXX report number XXXX. 
All of his licenses with Florida State addresses are phony. They wont answer attorney or our calls. We have documents of products not received. We are wanting to see how we can reverse our wires.
Consumer complaint received 2022-07-29
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. (WI)

I sent my letter off on XX/XX/2021. I told the credit bureus to investigate every piece of information on the accounts I have listed below. Also, I attached the letter I sent out. I also submitted a complaint through CFPB and still these bureaus refuse to do their job according to the law. 

According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account ( s ) were verified but how is this possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. Attached is my recent credit report with the inaccuracies highlighted.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DP OF EDUC US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-07
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: BARCLAYS BANK DELAWARE (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in an envelope sent to all three credit bureaus ( XXXX, XXXX, and XXXX  ), this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases.

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company.

The account was also deleted from my XXXX  and XXXX  reports as well so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX  credit reports, the account needs to be deleted from the XXXX  credit report.

The information for this account listed on my credit report is : CREDITOR : BARCLAYS BANK DELAWARE, BALANCE {$11000.00}, OPENED XX/XX/2017, ACCOUNT XXXX
Consumer complaint received 2022-07-29
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. (WI)

I sent my letter off on XX/XX/2021. I told the credit bureus to investigate every piece of information on the accounts I have listed below. Also, I attached the letter I sent out. I also submitted a complaint through CFPB and still these bureaus refuse to do their job according to the law. 

According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account ( s ) were verified but how is this possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. Attached is my recent credit report with the inaccuracies highlighted.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-29
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: CBC Companies, Inc. (OH)

I was recently in the hospital for XXXXXXXX XXXX XXXX XXXX  a month ago. I just now got back to work. I discovered that my credit file has over 2 inquiries for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquiries Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquiries : Factual Data and also XXXXXXXX XXXXXXXX XXXX XXXX. I am not sure who approve this or even made these inquiries. This is the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines XXXX Please delete the following fraudulent inquires : 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 Not sure how these got on my file when I already had a fraud alert on file?? I was never contacted to see if these were authorized to be made on my behalf.
Consumer complaint received 2022-07-29
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: Chime Financial Inc (CA)

Hi I bank with Chime and had fraud occur on my account on XX/XX/XXXX. While I was at work at my bank I work for. 

Two charges occurred simultaneously one for {$29.00} and one for {$29.00} both for the same fraudulent company at XXXX out of Florida. I have filed my claim with Chime over 5x now have called and spoken with no less than 50 different agents. Spoken with 10 supervisors and also emailed their so called investigations team as well to date I have just called again today XX/XX/XXXX and it has now been over 3 months and still no response or resolution. They have done nothing but give me an absolute runaround. This occurred on my credit builder credit card so no provisional credit is possible yet since its been over 90 days the credit should have been posted back to my account and for some reason it still has not and the claim was closed yet again! and theres no way to get in touch with anyone at investigations at all. 

Also they claim that since the card wasnt stolen it could not be fraud and I have submitted pictures of the closed credit card on which the fraud occurred.
Consumer complaint received 2022-04-12
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: JPMORGAN CHASE & CO. (DE)

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

In accordance with the Fair Credit Reporting act 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 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I would like to dispute a collection account. The account is listed on my TransUnion, XXXX, and XXXX credit reports as XXXX. 

I've already asked TransUnion, XXXX, and XXXX to verify the accuracy of the information on my credit report. Upon looking at my updated credit report, I can see that there are still many inaccuracies being reported, even after each bureau 's independent investigation. 

Here are the specific INACCURACIES ( proof is attached ) : Account Number : TransUnion : XXXX XXXX : XXXX XXXX : XXXX Date Of Last Activity TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Date Opened TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Closed Date : TransUnion : XX/XX/XXXX XXXX : Not Listed XXXX : Not XXXX Balance Owed : TransUnion : {$320.00} XXXX : {$0.00} XXXX : {$320.00} Also, please note the 7 year history in the attachment. TransUnion and XXXX are reporting ZERO 30 day late payments and ZERO 60 day late payments, while XXXX is reporting XXXX 30 day late and XXXX 60 day late. TransUnion is reporting ZERO 90 day late payments while XXXX is reporting XXXX and XXXX is reporting XXXX! 

According to the FCRA, all information on consumer credit reports must be accurate. The information on this account is NOT being reported accurately, as it does not remain consistent across reports. 

Therefore, TransUnion, XXXX, and XXXX are all in violation of FCRA, and they are violating my consumer rights by continuing to report inaccurate information on my credit report and failing to properly investigate the accuracy of my credit report. 

I want the XXXX Card account removed from my XXXX credit report, TransUnion credit report, and XXXX credit report immediately, per FCRA regulations.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

Equifax will not Delete the fraud credit cards from my credit report as i am the victim of identity theft I have sent them certified letters and they still will not delete them from my credit report i have sent the letters from the FTC.gov
Consumer complaint received 2018-05-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (TX)

I received a voicemail today, XX/XX/XXXX at XXXX CST stating that my immediate attention was required requiring file number XXXX in reference to a complaint that may be filed against me. I was informed to call XXXX to discuss pending allegations. Failure to correspond would result in the department proceeding forward without my consent. 

Not only did they call me, but they have called my uncle in XXXX, a brother and his wife ( both at home and at work ) in XXXX. At this point, I don't know who else they may have contacted. 

When I first called, I only gave the referenced file number, but refused to confirm my full name and last 4 digits of my social. I then asked for them to mail me whatever it was they had on me, and the woman hung up on me. 

After hearing from my uncle and brother, I decided to call back. I immediately asked the name of the company and was told by XXXX XXXX ( XXXX ) that it was XXXX  XXXX  out of XXXX, XXXX. I was also told that I had a pending civil law suit against me for a JC Penney credit card ( owned by GE Money Bank ) and that the account was left unpaid and in collections, until it was charged off in XX/XX/XXXX. They also informed me that XXXX has a statute of limitations of 4 years, but that it wouldn't expire until the end of XX/XX/XXXX. I was told they were already in pre litigation and would be charging me with a 10 year civil judgement. They said I had the ability to settle out of court for the amount of {$320.00}, but if we went to court it would be {$2000.00}. 

I again asked for this information to be mailed to me, but was told they could email me immediately, once they had permission from the lawyer. While I was on hold waiting for this to happen, I pulled a copy of an old credit report that I ran on XX/XX/XXXX by XXXX. The report then clearly stated that I had a credit limit of {$200.00}, a high credit of {$52.00}, a balance of {$0.00} and a past due of {$0.00}. It also shows that this card was paid on XX/XX/XXXX, closed on XX/XX/XXXX and verified on XX/XX/XXXX. Once the woman came back on line, I told her this and that I wanted to dispute the claim. She said that it didn't matter, that they would go off of their records and not mine, and said that I could reach out to JC Penney for verification, but that they would delay filing this in court until tomorrow. 

Now that I have the name of the company, I XXXX them and found several other people claiming that this was a scam, that the company was using old debt for a quick buck to " settle out of court. '' It looks like they also go by XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX, and that they're a phantom group for XXXX XXXX XXXX.
Consumer complaint received 2022-04-12
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)

Remove this Fraudulent account ( XXXX XXXX ) immediately and do not re insert this account on my report again. I have notified Attorney General XXXX XXXX, a complaint has been filed with the attorney generals office. 

1. remove the XXXX XXXX account as this was previously investigated and removed. If you Equifax determined this account to be fraudulently added to my report why is it now back on the report. This is a violation and illegal attempt to cause harm. I demand monetary compensation of {$1000.00} for each violation. 

Equifax has neglected to respond within a timely manner to provide verification on this account. Please remove this XXXX XXXX XXXX ( fraud ) account immediately and do not re insert this account on my report again. I have notified Attorney General XXXX XXXX, a complaint has been filed.
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2021, I noticed that withdrawals had been made from my Wells Fargo Savings and Checking account in the amount of {$98000.00}. These daily withdrawals in the same amount had been going on for several months, made by the same individual using XXXX. During this time I received only XXXX email from Wells Fargo, saying that money had been take out via XXXX. Having never heard of XXXX, I assumed it was a scam. Wells Fargo has determined that I authorized these transfers, but has never answered any specific questions about how this authorization took place, or any information about a phone number unknown to me that had been added to my account. I am working with a local police detective as well as an attorney. Neither has received any satisfaction from Wells Fargo. The Florida Attorney General 's office suggested that I submit a complaint to your office.
Consumer complaint received 2022-07-29
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LDF Holdings, LLC (CA)

On XX/XX/2022 I wrote Bridge Lending Solutions to request that they stop collection efforts unless to inform me that a specific action is to take place. Instead, they have sent repeated emails, called numerous times, and each message is the same : " We have an important business matter ... '' Now, even after I sent a Revocation of Authority to Contact Third Parties they are calling a friend of mine and harassing her. Her name is XXXX XXXX and she was contacted by Bridge Lending Solutions around XXXX XXXX  PST on XX/XX/2022. Specifically, they asked her to let me know that they called her and they have a business-related that they have to discuss with me. They left her a voicemail and called her twice back to back.
Consumer complaint received 2022-10-23
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. (MI)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX  Account # XXXX
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

These companies consistently make it next to impossible to change your security freeze status. When I try to temporarily lift a security freeze through Equifax 's website, my browser informs me that the page can't be loaded because it is not secure. 

These companies put zero effort into online security and that is the reason data breaches have occurred in the past. A functioning government would ensure these problems were addressed. How many millions of man-hours have been spent in frustration trying to navigate these sites? They have the resources to do better and the financial information they store should be better protected.