davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
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. (UT)

There is a collection account on Equifax with my name, in which is being reported inaccurate let alone no inquiry to support its a legitimate account of mine. Account has no inquiry to support the account. Due to error and inaccurate account Equifax has failed to provide information of proof account belongs to me. Equifax has no document or contract to verify the account. Ive reached out on numerous occasion by phone to Equifax and they have transferred me to different departments in which there staff has not been pleasant to resolve the matter.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My first issue is the the representative whom I spoke with to secure the loan misrepresented the insurance product that they offered. He explained to me that in the event of loss of employment the insurance would pay off my loan for me. Well that did not happen unfortunately I was laid off XXXX XXXX and this insurance product that the XXXX representative sold me on did not pay off my loan. I am requesting that the insurance product they are selling be investigate and properly marketed to consumers with the correct information ... ... ..The insurance will only pay for 3 payments in the event of lose of employment. I am asking they my pay my loan in full as this is how it was advertised to me when sold. 
My second issue is that the insurance company paid XXXX XXXX for my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Payment however XXXX is reporting these as late payments on my credit report. I would like to these late payments immediately removed from my credit report. I have attached the information and emails from the insurance company stating they made the payments directly to XXXX XXXX so why are they reporting them as late payment. 

Sincerely XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've contacted XXXX XXXX XXXX XXXX they told me I've never missed a payment, yet XXXX and TransUnion refuses to remove me from being lates on XX/XX/2021 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Bureaus job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update this damaging negatives from my profile. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$38000.00}
Consumer complaint received 2022-02-04
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. (GA)

I am here to notify the CFPB that several violations of the law towards me as a consumer has been done. I personally reached out to Experian, XXXX, XXXX, and related companies to attempt to resolve the issues. Not only have they ignored my correspondences they have also hung up on my when I called to resolve the issue. There are accounts paid off in perfect payment standing and payment history showing late payments. There is a account XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX that is showing associated to me or my persons that is not mine and I do not take responsibility for it. I could not find basis of these errors and find that per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer it is required I give written signed consent to even allow them to show anything on my credit file. They do not have such consent and they doing whatever they want at this point.
Consumer complaint received 2016-03-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

Green Tree servicing, now known as ditech. Fail to honor agreement with XXXX XXXX XXXX for loan modification. 
After many months of faild communication with this loan servicer I 'm facing imminent foreclosure. To This Day DITECH refuses lto provide any assistance. The documents sent for loan modification always disappear and they request to start the process over and over again.
Consumer complaint received 2022-05-05
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: SYNCHRONY FINANCIAL (AL)

I pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports
Consumer complaint received 2022-02-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

I am the federally protected consumer and I am not being coerced by any third party or agency. 
I have new evidence of this companys willful noncompliance. 

As of XX/XX/2022 I requested validation of debt from company XXXX XXXX XXXX according with 15 USC 1692g, and I have proof this company did not adhere to all requirements of this subchapter. 
I am also aware that this company is not adhering to the Fair Credit Reporting Act as the banking system is dependent upon Fair & accurate credit reporting. Credit management system is reporting inaccurate information as the amounts shown in the debt validation is significantly less than the amount shown on the consumer reporting agencies. 

I am hereby enforcing my rights according with 15 usc 1681n, 15 usc 1692k as I have been damaged due to mental anguish of negative, inaccurate reporting and restricted use of credit. Due to the inaccuracies I have had to seek legal counsel which has also caused financial strain.
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This letter is in response to your recent claim, which Bank of America claim I have a charged off account with them.By not replying in a timely manner to my initial letters, they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. I 've made attempts to contact them by mail be all I got was returned mail I only mailed them at the address listed on my credit file. XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit reports from TransUnion, XXXX, and XXXX contains multiple collection items on my credit reports from XXXX even though they are over 7 years old and actually scheduled to be removed in XX/XX/XXXX. If you noticed from the attached file the reporting dates are different and inaccurate this alleged account is from when I was in college which was over 13 years ago considering I started college in XX/XX/XXXX and graduated in XX/XX/XXXX. So considering the time frame either way the items are between 9-13 years old which is passed the 7 year mark.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

I am submitting my fourth complaint concerning my status as a victim of identity theft. This submission is a follow-up to the challenge I have raised against specific items in my file, which directly stem from the aforementioned crime. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to expunge any items listed on an identity theft report, specifically those under the reference # XXXX in my case. Please remove the reporting of these items from my credit file, as they are associated with an alleged identity theft : -- -- -- -- -- -- -- -- 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 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. In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are required to remove any items in the consumer 's file identified by the consumer as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-10-16
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. (CA)

I had written a 609 letter and asked all three Credit Reporting Agencies to show proof of how they validated the debt showing on my credit report as a Chapter XXXX Bankruptcy from XX/XX/2012 reference number XXXX. 


None of the companies have responded. The Bankruptcy is not valid and needs to be removed from my credit report.
Consumer complaint received 2022-02-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2021, I XXXX XXXX applied for a personal loan with Wells Fargo Bank. I received a denial letter from Wells Fargo Bank Personal Loan. 

According to federal law, my consumer rights have been violated.
Consumer complaint received 2021-04-29
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. (WA)

I pulled my credit report and noticed I have 2 unauthorized inquiries from the following companies and demand that they be removed from my credit reports. Not only is it inaccurate because they are reporting separate dates, but per the FCRA, any inaccurate reporting information must be removed so I'm demanding the removal. 

Equifax : -XXXX  - XXXX XXXX ( inquiry from XX/XX/2020 ) XXXX  XXXX ( inquiry from XX/XX/2020 )
Consumer complaint received 2015-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

A payoff check was received by GreenTree on XXXX/XXXX/15. Not sure how Greentree applied the funds but the customer service rep explained that the interest should be over {$600.00} and the payoff date should be XXXX XXXX. Should n't Greentree payoff the loan upon receipt of the funds and not wait for XX/XX/XXXX and incurr more interest. I have attached a statement showing the loan balance as of XXXX XXXX, 2015 along with the rate.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I never established accounts or know anything about the following three creditors listed on my credit report XXXX XXXX reported by XXXX XXXX XXXX XXXX reported by TransUnion, XXXX XXXX reported by TransUnion
Consumer complaint received 2022-07-20
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)

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo suggested that I missed a payment on one ( 1 ) of their credit cards although I never did and I disputed this fact with Wells Fargo. I had an exceptional payment history with the credit card in question until XX/XX/2015. This is when I had an issue with Wells Fargo and disputed their allegation that I was 30 days late on a payment ( XX/XX/2015 ). Wells Fargo dragged their feet and then noted me as being 60 days late ( XX/XX/2015 ) than 90 days late ( XX/XX/2015 ). Notwithstanding, I wanted nothing to do with Wells Fargo and paid the account in full and closed it ( XX/XX/2015 ). Wells Fargo however in a punitive nature reported to XXXX that I paid the account late before I closed it. Wells Fargo is wrong and their actions are negatively impacting my credit score.
Consumer complaint received 2020-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had written a 609 letter and asked all three Credit Reporting Agencies to show proof of how they validated the debt showing on my credit report as a Chapter XXXX Bankruptcy from XX/XX/2012 reference number XXXX. 


None of the companies have responded. The Bankruptcy is not valid and needs to be removed from my credit report.
Consumer complaint received 2022-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am here to notify the CFPB that several violations of the law towards me as a consumer has been done. I personally reached out to XXXX, Transunion, XXXX, and related companies to attempt to resolve the issues. Not only have they ignored my correspondences they have also hung up on my when I called to resolve the issue. There are accounts paid off in perfect payment standing and payment history showing late payments. There is a account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX that is showing associated to me or my persons that is not mine and I do not take responsibility for it. I could not find basis of these errors and find that per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer it is required I give written signed consent to even allow them to show anything on my credit file. They do not have such consent and they doing whatever they want at this point.
Consumer complaint received 2016-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AL)

My complaint is as follows : ( 1 ) I have verbally requested Ditech to make no telephones calls to me on my job but the telephones call persists. 
( 2 ) Also, my supervisor, XXXX XXXX, the Executive Director of my company has verbally informed Ditech that I am unable to receive calls from them on the job and requested that they stop/cease making telephones to me immediately. 
( 3 ) Ditech refuses to stop harassing me on the job via telephone calls. Furthermore, on XX/XX/2016 at approximately XXXX., Ditech has begun making telephones to me on the job again.
Consumer complaint received 2024-01-24
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. (GA)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo reported a credit card to my credit bureau account. After contacting Wells Fargo they assured me this account would be removed from my credit report. In a letter from Wells Fargo dated XX/XX/2020 they assertion the account will be removed from my credit report within 30 days. This account remains on my credit report to this day. I have disputed it and still it remains.
Consumer complaint received 2022-08-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I was a victim of fraud. I have attached my FTC fraud alert. I have also had accounts re-added to credit report after being deleted. I have XXXX XXXX accounts deleted that were re-added, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

I have attached proof these accounts were deleted. 

Item # 1 : I dispute XXXX - XXXX, this account IS MORE THAN 10 YEARS OLD. Please delete. When was this account added to my report? I have attached payoff letter also from 2007. 

Item # 2 : XXXX - XXXX ...., account not mines, please delete. Was removed from credit report once. 

Item # 3 : XXXX XXXX XXXX XXXX XXXX ...., fraudulent account, please delete. 

Item # 4 : XXXX XXXX - XXXX ...., fraudulent account, please delete. 

Item # 5 : XXXX - XXXX ...., this account is duplicated, both should have been deleted. 

Item # 6 : XXXX XXXX - XXXX ...., account on my credit report twice. This account is aid in full not charge off. Proof is enclosed. 

Item # 7 : XXXX XXXX - XXXX ...., fraudulent account, please delete.
Consumer complaint received 2015-05-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Bureau of Lancaster County, Inc. (PA)

Collection Agency of Credit Bureau of Lancaster : I Had a dispute with insurance coverage between an in network and out of network issue that delayed my payment and caused it to be reported to the Credit Bureau of Lancaster. After the insurance issue was settled, I logged onto the credit bureaus web site to make payment, however, I did not have an account number since I was never mailed anything. I called the credit bureau to obtain this account number. I advised them that I needed the account number to make payment. I was advised that the call was being recorded. I informed them that I did not want to the call recorded and that I just wanted to have my account number. The call was already being recorded without my permission. I advised them I did not want it recorded and they advised me that they refuse to speak to me and provide me with my account number to settle my debt without the call being recorded. I am a recently retired XXXX who is well versed in the Pennsylvania Wiretap Act. I proceeded to advise them that this was unlawful under that act and was a felony to record my voice without consent. I am wanting to pay this medical debt that should have never been sent to collection in the first place pending resolution with the insurance company, however, because I did not want my conversation recorded, I have been refused the info I need to settle this debt. This illegal conduct needs to be addressed and criminally investigated.
Consumer complaint received 2017-01-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I purchased a set of luggage from an XXXX vendor. I only received one bag instead of the set I ordered. The luggage company says their policy is pay for return shipping when they make a mistake. However they responded saying I had to pay for the return shipping along with an additional fee. I had used my debit card to make the purchase so I began the process of reversing the charges. I explained the entire situation to my Huntington Bank representative and in the end they denied my claim. Now I own single piece of luggage that sells for {$99.00} for which I have a paid {$230.00}.