davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (HI)

Equifax makes it difficult if not impossible to contact them to dispute! Although I have an excellent credit score, credit agencies rely on defective parameters to assess credit worthiness and scores. As a senior of advance age, with no factual indebtedness, and substantial assets, there is no basis for criteria revolving around credit debt for the elderly, such as mortgages, car loans, or other loans. It is fundamental of good financial management, as one ages, to clear all long term debt! The lack of debt should not be a negative. Suggestion that I am using more of short term than is factual. No long term debt. For decades, these credit agencies, ignored the facts, and made it impossible to get credit in the U.S., despite my mortgage free home in U.S., and no debt. As I had excellent credit in XXXX, my home base, one would expect these same credit agencies with operations in XXXX, to communicate! The system appears to favor those in greatest debt. Credit scores are too often based on flawed basis.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Chase auto finance reported my account 30 days late on XX/XX/XXXX. 
A payoff check was sent to them on XX/XX/XXXX, and XXXX has a Proof of Delivery signed for by a Chase representative on XX/XX/XXXX. 
The check was misplaced by Chase and never applied to the account resulting in the derogatory marking on my credit report.
Consumer complaint received 2022-04-25
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 — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

In accordance with the Fair Credit Reporting Act. The Account below violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 This vehicle was repossessed by TOYOTA MOTOR CREDIT in the State of CALIFONIA on or about, XX/XX/2015, and resold. 

Under the laws of the State of CALIFONIA UCC 2983.2 and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. 

TOYOTA MOTOR CREDIT Account number XXXX
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NCD Financial, LLC (GA)

I been watching my credit report and my score inaccurate because my fico score showing XXXX XXXX but every site I got to credit karma or anybody its a lower score. And a bankruptcy is on my credit not suppose to be there at all.My XXXX not showing no Bankruptcy at all but XXXX and XXXX showing it with different inaccuracies information Im not familiar with and do not know of. I even have hard inquiries I did not do. Someone has stole my information a few years ago. And I file a police report and Im still going through a lot with some credit bureaus lying on me and showing inaccurate credit report. All three credit bureaus trying to ruined my life. I cant get anything.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I recently reviewed my annual credit report and found that there are adverse remarks on my record. I have a charge off remark from the credit card XXXX XXXX. However, I profoundly disagree with such remarks. This reporting done on the behalf of XXXX is inaccurate and although I have reached out to them they have failed to resolve the issue. 
On or around XX/XX/XXXX I decided to end my business with XXXX as a result of the negative experiences I had with the bank. I switched over to my local credit union and when I ended my affiliation with them I could no longer access the  online accounts which included my XXXX XXXX. As time progressed I expected to receive statements from the XXXX credit card, but they never arrived. I never received any phone calls to attempt to collect my payment as many other cards do. It is important to note that my phone number has not changed in the past 15 years. Six months later on XXXX of XXXX, I received a phone call in which I was notified that I was past due on the account and they were attempting to collect what I owed. The amount the person told me to pay was {$880.00} which I diligently paid as instructed. The person failed to inform me that I still owed {$370.00}. It is also important to note that I never received documentation that confirmed my payment to the debt. As a result of their failure to fully disclose any further information, the {$370.00} became the amount that has been charged off since XX/XX/XXXX without my knowledge or consent. 
Had XXXX been transparent with me and solely wanted to retrieve their money I would have paid the full amount as I did when I was instructed to pay the {$880.00} amount. I feel that the failure to inform me of my own account has resulted in a black mark on my record and has haunted my credit score for years. I reached out to XXXX again in XX/XX/XXXXand threatened to seek legal action and it was until then that they agreed to remove the charge off and settle the debt. I again reached out to XXXX a few days ago and was informed that it appeared that my debt had been sold to a debt collecting company, come to find out this was another LIE. After reviewing my bank statement for the month the debt was PAID, it shows the payment went to XXXX XXXX E-pay to be exact is what it says on my statement. I am infuriated by the lack of professionalism XXXX has demonstrated when trying to solve this problem, lies after lies. I am infuriated because this is absolutely not an accurate portrayal of my reliability and dependability to pay my debts in a timely manner. I feel I have been underhandedly placed in this situation due to my discontent with the problematic and fraudulent company that XXXX is.
Consumer complaint received 2022-08-09
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)

Thi

s is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX Date Opened XXXX XX/XX/2016 Balance : {$32000.00}. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Consumer complaint received 2021-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OZK (GA)

This is more information for case Id XXXX Upon speaking with Bank of Ozark the assistant manager told me that my colleagues contact information for his XXXX account was changed by her back office because of an upgrade to their system was taking place. So his contact info was once his phone number then it was changed to his email and {$1000.00} is lost in cyber banking. 
So all the banks related to this incident is claiming no responsibility.
Consumer complaint received 2022-03-28
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 am reaching out because there was a XXXX XXXX XXXX  account that was opened through fraud, I reached out to the comapny and they stated they closed it out after I sent in a identity theft form and called and spoke to a supervisor. I also don't understand how it now shows late payments on an account that isn't mine. Please remove this from my credit
Consumer complaint received 2022-04-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.
Consumer complaint received 2022-03-28
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. (GA)

This Credit bureau is reporting an account that needs to be removed immediately from my credit report. A XXXX XXXX account should NOT be on my credit report as it is a fraudulent and inaccurate account. I have filed a complaint with CFPB that did not get resolved. 

THIS INACCURATE CHARGED OFF XXXX XXXX ACCOUNT IS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY OR FURTHER LEGAL ACTION WILL BE TAKEN. 

Last XXXX digits of my SSN : XXXX
Consumer complaint received 2022-03-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC (TX)

I got mail from XXXX XXXX XXXX XXXX attempting to collect a debt of {$4500.00}. I have never in my life had XXXX XXXX XXXX so this is obviously a mistake or fraud.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

I had a credit background check ran when I was trying to rent an apartment. The landlord ran the check through Equifax. The landlord stated that the report came back that there was no such person. I have tried to set up an account online and an error ( code NH ) continues to come up and says to contact Equifax. I have called them and they said I am not in the system and to fax my social security and drivers license to them. It would take 3- 5 days and that I could call them to check on it. I sent the information and I have now called multiple times for the last week. Each time they either hang up on me or say there is nothing they can do. One person said it was an issue with social security department to call them. I did that and the social security office said all is good on their end and that the problem lies with Equifax. Equifax said to call my bank and credit cards, I did that as well. All of my accounts show up on XXXX and XXXX but I an not a person on Equifax. I have asked numerous times for a supervisor and they won't let me speak to anyone else. I have now since lost the apartment ( lost the credit check money of {$50.00} ) and need this taken care of so it doesn't happen for further credit checks as I am looking for an apartment. I have just moved out of state and am really in a bind.
Consumer complaint received 2021-06-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

XX/XX/XXXX Wells Fargo Mortgage XXXX XXXX XXXX XXXX Georgia XXXX Dear Wells Fargo, I purchase my house in XX/XX/XXXX for {$180000.00} for 15 years fixed rate at 3 % with XXXX XXXX XXXX. Wells Fargo purchase my loan the latter part of XXXX. What I did not realize until last week was that you change my interest rate to 4 %. That Is Illegal. So far 7 years you have been charging me an extra 1 % in interest rate and extra {$100.00} a month a month. I want that money plus the interest taken paid to me immediately.. I know what you saying but I have my original documents since you do have the files only from XXXX. I even have where XXXX XXXX XXXX printed what my payments would be for those 15 years each month. 

In addition, my house payment went up from {$1600.00} to {$1600.00} for the month of XXXX due to a shortage in Escrow. How is that possible when my property taxes went down {$1500.00} due to XXXX County dropping the school tax on my property. 

So, you are cheating me two ways. I plan to being this case to light. You do not expect your bank to be cheating you. Wells Fargo is just a Legal Loan Shark. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX
Consumer complaint received 2022-03-28
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: JPMORGAN CHASE & CO. (CA)

I received information from XXXX, XXXX, & XXXX that this creditor has verified that the account they are reporting under my name is accurate. 

But, I requested the description of the procedure used to determine the accuracy and completeness of the information, which I have not received. I requested this information and still have not received any documentation on this creditor to verify this is my accounts.
Consumer complaint received 2022-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2019 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo reported an amount of {$5100.00} to IRS for tax year 2020, a payment which was not received from Wells Fargo Remediation Program. I've requested this error corrected to show no such payment received, denied, Wells Fargo reps claim check was cashed in my name. The item was cashed fraudulently, an affidavit filled out in re, investigated, the cashing bank, XXXX, will not release funds back to Wells Fargo... The IRS reporting matter remains unresolved, needs to be corrected to show no payment received for tax year 2020.
Consumer complaint received 2021-06-04
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: EQUIFAX, INC. (TX)

Equifax violated 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ) XXXX XXXX and XXXX XXXX XXXX were deleted off my consumer report XX/XX/2021. XXXX XXXX reinserted XX/XX/2021 XXXX XXXX XXXX reinserted XX/XX/2021 Equifax didnt let me know after 5 business in writing of the reinsertion and the reinsertion wasnt authorized by I, the consumer per the law stated above. Those are now fraudulent accounts on my consumer report.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX, I was made aware via incoming mail that a BJs visa master card has been opened and established under my name ( balance amount : {$4300.00} ). I did not apply, sign for or authorize the creation of this account and further am not responsible for any of the charges made to said account. On XX/XX/XXXX, I dialed the number listed on the statement and informed representative XXXX XXXX XXXX in the fraud department of what had occurred ( phone numberXXXX ). I was informed by XXXX that they froze and canceled the account today ( XX/XX/XXXX ). Furthermore, I went to the XXXX XXXX Police Department ( 3rd Precinct ) and filed out an identity theft report ( CC # : XXXX ). Please advise on next steps with regard to this matter.
Consumer complaint received 2022-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ACCURACY OF MY CREDIT REPORT IS UMATCHED. I AM CONTACTING THE ORIGINAL CREDITORS THAT ARE RESPONSIBLE FOR REPORTING INVLAID INFORMATION. ALL ACCOUNTS, DATES, AMOUNTS ARE LISTED IN THE FILES. PLEASE REVIEW AND REMOVE THE LISTED ITEMS IMMEIDIATELY
Consumer complaint received 2021-11-04
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. (GA)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-10-08
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MIDFIRST BANK (TX)

In a retaliatory response to my request to remove incorrect information that indicated I was using a covid19 assistance program Midland deleted 15 years of mortgage history from all 3 credit bureaus. Which immediately dropped all my scores 20+ points and is a significant part of a strong credit mix and history that is now deleted. This was transferred to them from XXXX  years ago and nobody asked to change anything that XXXX submitted to them. This is simply requesting that my payment history be reinstated
Consumer complaint received 2022-12-19
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 AM A VICTIM OF IDENtITY THEFT mY PERSONAL INFORMATION IS STOLEN. 

AND A CRIMINAL HAS APPLIED FOR ACCOUNTS THAT ARE NOT MINE THESE ACCOUNTS ARE FRAUDULENT AND MUST BE BLOCKED AND REMOVED PLEASE BLOCK AND REMOVE THE FRAUDULENT ACCOUNTS 1 ) Company or Organization : XXXX XXXX XXXX - CHARGE OFF - AUTO LOAN Account Number : XXXX Amount : {$14000.00} 2 ) Company or Organization : XXXX - CHARGE OFF Account Number : XXXX Amount {$2300.00}