davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/18 a fraudulent inquiry from. XXXX XXXX  XXXX  was made to my Transunion report. Attaching relevant identity theft police report. Transunion has instructed me to contact each fraudulent inquiry individually.
Consumer complaint received 2022-07-27
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. (FL)

An accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXDEPT OF ED. 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 2022-08-01
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. (FL)

I have attached a highlighted image of a XXXX XXXX account that is reporting inaccuracies to all three of my credit bureaus. Almost everything is different on all three bureaus. Everything reported in my name to the credit bureaus should be 100 % accurate and it is not and needs to be deleted ASAP.
Consumer complaint received 2022-07-27
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)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Creditor : XXXX Account : XXXX Creditor : XXXX XXXX  Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account : XXXX Creditor : ( Original Creditor : XXXX XXXX ) Account : XXXX XXXX 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 2022-07-27
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. (PA)

I REVIEWED MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS THAT I DID NOT AUTHORIZE ON MY CREDIT REPORT AND IT IS PREVENTING ME FROM RECEIVING CREDIT I filed a dispute pertaining to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.
Consumer complaint received 2022-10-25
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. (MO)

This is XXXX XXXX XXXX submitting this CFPB complaint to you today to inform that I will be filing a lawsuit against the Credit reporting Agencies. For the last 6 months, I have been disputing for the correction of my Credit report by having the disputed items removed from my Credit report and yet they have failed to do so. Also, the Credit Reporting Agencies have been claiming that the disputed items are verified and are accurate per the Creditors ' verification, however, no matter how many times I ask for the Credit Bureaus to send me copies of proof of verification, they do not comply! I have had enough of their stall tactics and I am working with my legal team to submit a lawsuit against the Credit Bureaus. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required to investigate the disputed items and present the results of their investigation after 30 days. Six months have passed and the Credit Bureaus have been sending me nothing! I am disappointed at the Credit Bureaus, the agencies whom I thought of the one willing to help us consumers is the one making our lives miserable. This will be last attempt to contact the Credit Bureau via CFPB portal and in the event the Credit Bureaus do not comply with the requests, please understand I am only filing a lawsuit to protect my consumer rights. If it is not too much to ask, please have the following items removed from my Credit Report : 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 2018-11-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I sent investigation requests to Equifax and XXXX XXXX, asking them to investigate errors on my credit report. They are supposed to conduct investigations and respond back to me within 30 days. Today is XX/XX/XXXX, and neither have responded. Obviously, both agencies have taken too long.
Consumer complaint received 2022-10-25
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. (CA)

I noticed a wrong address on my credit report via Equifax. I sent a letter to Equifax letting them know there is an address in my report that has never belonged to me and I feel like there is an account being reported on my credit report attached to that address. I feel like it is negatively affecting my credit!
Consumer complaint received 2022-07-27
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. (TX)

I am appalled by the ability of the Credit Bureaus to ignore my request of correction on my Credit report despite the multiple letters I have been sending to them. The last letter I sent to the Credit Bureaus was XX/XX/XXXX2022 with complete attachments of my personal information but I see here that the Credit Bureaus have been ignoring my letters. I am submitting this complaint in response to the recent " investigation '' done by the Credit Bureaus. I do not agree with the result they present and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that report these information on my Credit file. I am submitting this complaint to ask that more information from the Credit Bureaus with regards with the the matter I am disputing. I need the following items in question to be COMPLETELY INVESTIGATED AND CORRECTED FROM ERRONEOUS REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00}
Consumer complaint received 2018-11-01
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: LOAN TO LEARN (DC)

In XXXX I realized that I had negative credit reporting from Loan to Learn. I called the number on the credit report which lead me to XXXX XXXX ( collector for loan to learn ) I asked what I owed and why I had not received notification that I owed a debt. XXXX XXXX stated they did not have an account on me and gave me the number to Loan to Learn ( XXXX ). I called Loan to Learn and spoke to the rep and was told that I have one outstanding loan balance and that the law firm was collecting on it not XXXX XXXXXXXX and that is why I had not heard from them. I contracted the law firm ( XXXX ) and was told that they do not have access to the account to collect. I stated that this was being reported to the credit bureau and that I needed a resolution. They stated they are not reporting the account and they could contact me when they could collect. I waited for a call back never received one. XXXX I received notice again that I had negative credit reporting, I called loan to learn ( XX/XX/XXXX ) back and was told that they would reach out to the law firm and they could contact me. When I did not hear something, I called back on XX/XX/XXXX. I requested to know a status he said if they dont call you back tomorrow I will. I asked about my credit report he stated well you signed the loan documents we have the right to report. I stated I have never received so much as a bill he stated they did not have to give me one I know I owe the money. I asked when the last communication was sent out he stated that it was sent out in XXXX I stated I was under bankruptcy then and did not have to pay since they were included In the bankruptcy. I stated that I have not received anything since. He stated that they may not have the documents to show they have contacted me because things get purged but I knew I took out the loan. I asked for the most recent notice he stated they have not sent one but they still have the right to collect because I signed the loan docs. To date I have not received anything, I know they know my address because it was public record during the bankruptcy. I also know that they have my phone number I called everyone involved in XXXX. To date no one with the ability to collect a payment has contacted me and they are still reporting on my credit report.
Consumer complaint received 2022-06-09
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. (MD)

XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act 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 2022-07-27
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Consumer complaint received 2017-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

As early as  XXXX   XXXX ,    2016 I disputed the accuracy of the reporting of a Synchrony Bank/Walmart account -- dispute letters to all   XXXX   credit bureaus and directly to the creditor. ( see attached ). I never receive d any response to my dispute so I wrote directly to the alleged creditor on on  XXXX   XXXX ,    2016. ( see attached ) My  understanding is that this reporting must be removed if the creditor can document and prove that is both 100 % accurate and 100 % verifiable
Consumer complaint received 2020-08-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Ditech Financial LLC (NJ)

On XX/XX/XXXX Ditech along with XXXX XXXX XXXX gave a loan against a house that we both owned. I was not living in the state and had no idea that he was given the loan and that XXXX XXXX XXXX insured the loan. They both knew there were 2 people on the title and they just went about taking my name off the title and insuring the loan. I have documentation on what happened. My brother defaulted and the proceeded to try and take my home. I live here with my XXXX year old mother. This mess caused me to suffer financially, physically, mentally and emotionally. It took me almost 4 years to take care of this issue and refinance my home. There was a 1st mortgage and the lawyers lied and said there was no 1st mortgage. The lawyers for Ditech also sent paperwork to my old tenants that included the title of the home, who we purchased it from in XXXX, who we received the loan from and all personal information that should not have been sent to these people. I took the package from them and have it in my possession. With this they stopped paying rent and I needed to hire another lawyer to evict them, they destroyed the apartment ( it took 1 year to fix it ) and they stole my credit card and tried to buy items from XXXX XXXX for their new apartment. The apartment had 60 holes, water damage that if anyone walked on the floor they would have fell through the ceiling, the smell was horrible and just everything broken. No one would help me or listen to me. I hired lawyers who just took my money and did nothing. They were supposed to get a modification and after 2 years of paying {$900.00} a month I got a call that said they denied it. No proper paperwork as to why just a call.
Consumer complaint received 2018-11-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Simon's Agency, Inc. (PA)

I am having an issue with a medical bill that was apparently sent out to a collection agency ( Simon Agency ). However, I had paid the bill directly at the physician 's office. The collection agency still has me as owing the bill, even though I paid it directly at the doctor 's office months ago. 

The amount of the bill is {$100.00} I paid it using a credit card on XX/XX/2018 when I was at my doctor 's office for a subsequent visit. 

I spoke with XXXX in the XXXX XXXX Billing department on XX/XX/XXXX, and was told that I do not have anything in collections, and my account is up to date. 

However, the collection agency that my bill was sent to says I still owe the {$100.00}, and to date, I have not been able to get this marked as paid on my credit report. 

I emailed Simon Agency on XX/XX/XXXX with proof that this was paid, and additional proof was emailed to them on XX/XX/XXXX. 

I received NO response from them whatsoever. 

I sent a follow-up email on XX/XX/XXXX, and again, received no response from them. 

I submitted a dispute via XXXX, and they closed the dispute saying that Simon Agency says I still owe the {$100.00} ( which I had paid directly at my doctor 's office ) and so this item is still appearing on my credit report as an unpaid item in collections. 

On XX/XX/XXXX, I then submitted an online from found on the Simon Agency website. I received an automated response : " Thank you for submitting the contact form on our website. Please allow up to two business days for a reply from a customer service representative. If you would like immediate assistance please call us at XXXX. '' Today, XX/XX/XXXX, a full week after submitting the form, I still hadn't heard back from Simon Agency, so I called them. I spoke to someone who identified herself as " XXXX '' and was told that I'd have to wait, these things take time, etc. She was supposed to transfer me to someone else to talk to, and I was dumped into " XXXX '' 's voicemail. I left a message and have had no response. 

I have no way to get this agency to understand that I paid the bill. They are reporting that I owe {$100.00}, when in fact, I owe XXXX, because the bill was paid. The only thing they seem to want is for me to pay them the full amount for the same bill that I had already paid, otherwise, they do not respond to me.
Consumer complaint received 2022-10-25
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. (AR)

On or about XX/XX/2022 I sent letters to EQUIFAX describing multiple instances of fraudulent reporting on my credit report. I gave them 30 days to remove the accounts and they have not complied. The accounts are listed below. XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX No attempt to communicate with me regarding these accounts has been made. No attempt to validate the accounts has been made.
Consumer complaint received 2022-10-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I am a 100 % XXXX veteran, I suffer from XXXX. I have a VA loan from Wells Fargo Home Mortgage. In XXXX I noticed that the principle on my mortgage seemed higher than it should reasonably be. I requested a payment statement. I'm am visually impaired and it is difficult for me to read fine print. When the pandemic hit, I was mostly incapacitated with several bouts of XXXX. I discovered a discrepancy I have had no success getting the lender to resolve. 
I made a large payment to my mortgage company of {$15000.00} in XXXX of XXXX that was never applied to my loan. In XXXX of XXXX, {$10000.00}, was added to my principle instead of deducted. So since that time I have been paying excessive interest on a additional {$25000.00}.
Consumer complaint received 2022-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (WI)

Wells Fargo wouldn't let me access or close out my old account from XXXX after wanting unauthorized fees and other cards in my name I never authorized. Staying with a friend my identity was stolen XXXX. XXXX Someone fraudulent changed over my account information passcode XXXX where I couldn't access bank statements or investigate identity theft the bank said my account was closed but never closed and a data breaches took place now someone has fraudulent accounts and inquiries destroy my entire credit report. Someone without my permission got access to my debit card & pin unfortunately ATM withdrawal of XXXX whole tax refund was stolen yr XXXX. 
No investigation was done or resolution granted
Consumer complaint received 2022-10-25
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. (AZ)

( DISPUTE CODE - XXXX ) ( DISPUTE CODE - XXXX ) My personal information was stolen and used for fraudulent activities in 2021, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. Under the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Experian 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-Experian XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian 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-Experian 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 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 an account without my handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-07-27
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. (MO)

When I reviewed a copy of my updated credit report, I discovered that some of the accounts are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}