davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-13
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. (FL)

I had my credit pulled for the very first time in XXXX of this year to discover that someone else 's bills were reporting on my credit report. I am XXXX XXXX XXXX and have never had any credit established in my name until just 9 months ago when I got my XXXX 's account and that was only a small {$250.00} limit. When I got my credit report I was shocked to see 3 collection accounts with XXXX XXXX XXXX, XXXX, and some company named XXXX that I have no clue who or what that is. I have a prepaid phone since I was XXXX with XXXX because that is all I can afford with my part-time job. XXXX XXXX XXXX and XXXX both declined me for a phone and plan with them. I submitted a dispute on XXXX XXXX to inform all 3 credit bureaus that these collection items were not mine and that they needed to remove them from my credit report. I got a response from was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me ; TransUnion 's response was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me, and XXXX XXXX  reply was that they verified that all 3 collections items belonged to me. I responded to all 3 credit bureaus advising them that their results could not be true and that I would like to have them mail me the proof of how they verified these items they refused to remove and mail me a copy as it is my right under the Fair Credit Reporting Act. None of them responded to my 2nd or 3rd attempt. It is now 4 months since I alerted these credit bureaus that they are reporting inaccurate information on my file in violation of my rights and they will no longer respond to my letters. I am seeking to be a XXXX one day and my credit is a big part of me getting there.
Consumer complaint received 2017-02-14
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (AZ)

XXXX XXXX went to a XXXX XXXX bank in XXXX to report a stolen payroll check ( from ADP, INC ) which was cashed with a forged signature. ADP uses a XXXX XXXX account in Arizona. she simply wanted to know, what should she do, and what could well XXXX do to help? The attached PDF describes the visit in detail. 
A notarized Forged Endorsement affidavit has been files with ADP. a XXXX XXXX bank copy of the stile check is included in the PDF. The complaint is for the type of treatment XXXX received, and the lack of profession help from the bank representative. 
Based upon our experience so -far with XXXX XXXX XXXX we have low expectations that our complaint to be taken seriously by the phoenix bank. But we are filing the complaint anyways XXXX XXXX, brother-in law to XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2021-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KeyBridge Medical Revenue Management (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2024-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NJ)

I discovered the debt on my credit report, I disputed the debt and sent proof I was a victim of identity theft they sold it to another third party instead. I sent letter to the credit agencies and still not removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-26
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: EQUIFAX, INC. (MO)

I have noticed that XXXX XXXX XXXX have placed an inquiry on my EQUIFAX credit file dated XX/XX/2020. On multiple occasions I requested XXXX XXXX XXXX and EQUIFAX to verify these inquiries. They have yet to do so.
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (PA)

Made contact with a loan company ( XXXX XXXX equity ) to borrow approx. {$1500.00} to pay taxes. Was told the only way was to refinance my entire home and all out standing debt. 

I agreed. However, the day before the final papers were to be signed. I received a phone call at approx XXXX by the rep of this finance company that certain agreements had to changed. ie. the percentage rate to 8.00 % and a balloon payment of {$10000.00}, that changed to {$100000.00} during this phone conversation. 

As time past I soon was unable to keep up with the mortgage payments. Now I am dealing with a housing counselor I really do n't trust. 

It seems I 'm unable to get a straight answer from her. ( during a recorded XXXX way phone call ) I heard the mortgage company say to my housing counselor. " you are not authorized ''. This & paying a law firm over {$7000.00} to help my mortgage issues, has caused me to fall even further behind my mortgage. I was only {$6000.00} behind Now I 'm over {$23000.00} behind and in the process of a home modification that I do not fully understand.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (VA)

Equifax is reporting accounts included in a Chapter XXXX bankruptcy filed XX/XX/XXXX as if they were current open accounts included in a bankruptcy filed XX/XX/XXXX. This case was filed XX/XX/XXXX and discharged XX/XX/XXXX and given that it is a Chapter XXXX it should not be reported after 7 years from filing.
Consumer complaint received 2022-08-14
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: SYNCHRONY FINANCIAL (TX)

This memorandum is in reference to Synchrony Bank located in XXXX, Florida. This bank declined approval of a card from XXXX because I had an unsatisfactory obligation with their organization. I sent them a letter on XX/XX/2021 explaining my situation so they could correct my credit status. No corrections were made. 
I would appreciate it if Synchrony Bank would rectify the problem by deleting the erroneous information about my obligation of not paying on my account. I informed them that the doctor deliberately took money for services he did not perform. He was informed within 24 hours to cancel my application and he did not. He did take the funds that Synchrony had given to him.
Consumer complaint received 2024-01-18
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: Experian Information Solutions Inc. (FL)

XXXX XXXX  continues to report inaccurate information to Experian for XXXX XXXX. Experian reports the following information *which is inaccurate* Date Opened : XX/XX/XXXX Open/Closed : Closed Status : Account charged off. {$6200.00} written off. {$9000.00} past due as of XXXX XXXX 
Status Updated : XXXX XXXX  Balance : {$9000.00} Balance Updated : XX/XX/XXXX Last Payment Date : XXXX XXXX XXXX Terms : 72 months Past Due Amount : {$9.00}, XXXX Original Balance : {$18000.00} When you look at the 24 month payment history ( each month being reported as a charge off ), you can see that XXXX XXXX  the account status remained in a " charge-off '' status. How is this possible when above the payment history Experian is reporting that the last payment date was " XX/XX/XXXX ''. This is inaccurate information. 

Additionally, this account has been on my file for 8 years and 6 months and continuously reports inaccurate information despite my previous unsuccesful attempts to find a resolution for this account. Experian states it is scheduled to be removed from my file XX/XX/XXXX which is soon however, I would prefer the account be removed in it's entirety due to the inaccurate reporting having already damaged my file.
Consumer complaint received 2022-08-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have tried to get inquiries removed from my XXXX report that I did not authorize for my credit report to be pulled by XXXX XXXX XXXX Bank on XXXX, XXXX XXXX on XXXX, Capital One was supposed to be a soft pull on XXXX, And on XXXX Capital One did a hard inquiry when it should have been a soft one.
Consumer complaint received 2016-12-15
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (NC)

Consistent marketing and emails from Wells Fargo Bank regarding loans to help with home repairs were marketed falsely not as installment loans. When talking to loan officers and asking about loan repayment the fixed amounts were never discussed. Assertions that loan was more like a HELOC that would establish a line of credit and would be paid back over several years were stated. 
Did not realize high monthly amount until loan was given. Therefore am going to turn all money back in due to misrepresentation. Wells Fargo bank should be investigated for this practice.
Consumer complaint received 2022-10-05
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. (CA)

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 2020-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. ()

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXXXXXX Balance Owed : {$730.00} PXXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-11-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION ()

The consumer reporting agency, XXXX, has furnished my consumer report without my authorization. And gained monetary benefit by selling my information to another consumer reporting Agency. This happened on XXXX XXXX. I attempted to contact experian multiple times concerning the issue and they keep telling me I have to take it up with Bank Of America. Even though I never gave XXXX  Permission to furnish my report. I called Bank of America, and told them the same thing, I never gave you written consent to furnish my report. This same process has occurred with XXXX XXXX, on XXXX XXXX. Ive contacted both parties and still no resolution to this matter. XXXX keeps telling me I have to contact the other party for them to delete it. And Bank of America & XXXX XXXX tell me the same about XXXX. It seems like they dont want to own up to violating my consumer right to privacy.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX, Experian, XXXX Dear XXXX, Experian, XXXX I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to XXXX5 USC 1666b A creditor may not treat a payment on a credit card and auto lon account under an open-end consumer credit plan as later for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including.

The information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 20 days before the payment due date. 
I NEVER gave You, XXXX, Experian, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, any written instructions to furnish any information on my consumer report. 
Which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practice. 
You XXXX, EXPERIAN, XXXX should be ashamed of yourself for ASSUMING this Role and position to constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
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 XX/XX/XXXX By the provisions of the fair Credit reporting Act, I demand the these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an update copy of my credit report reflecting the requested changes. 
Best Regard, XXXX XXXX XXXX ( XXXX ) Without Prejudice, All-Natural Inalienable Rights Reserve
Consumer complaint received 2024-01-18
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: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-01-18
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: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2022-08-14
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: Nelnet, Inc. (NY)

I requested before that XXXXdept. of ed. to stop furnishing information about a student loan to my consumer report. I am demanding that they stop reporting to my consumer report/ credit file immediately. Nelnet stated in a responds to me that, " we are also REQUIRED to report the loan status and balance to the national consumer reporting agencies ''. Please show me where in the ( fdcpa ), ( fcra ) OR FEDERAL LAW that states that you are mandated to report to the consumer reporting agency. Please send me PROOF. I requested this information before and you claim according to student aid/dept of edu that they require for you to report according to your contract with them. Since when company policy overrides the Law? That mean you and those companies are violating law. According to LAW 3.1.1 CFPB, it states that reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and historically has been.

Then you stated. " Under the Fair Credit Reporting Act, we have an obligation to ensure data we furnish to consumer reporting agencies is accurate. '' This statement is true but you need to be more specific about this statement. This statement claims in layman 's terms, IF any furnisher reports to the CRA 's it has to report accurate information, but no where does it says that furnisher 's are obligated to report. In addition, according to the FCRA, I have never given written instructions or permission to report to my consumer report/credit file. please send me proof that I gave written instruction. But I am giving written instruction to remove this from my credit file IMMEDIATELY. I am sending out an affidavit of truth to the email, through cfpb and via mail.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$73000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX