davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
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. (CA)

On XX/XX/2022 I reviewed my credit report and noticed information that was incorrect with 2 of my accounts. According to XXXX, Equifax and XXXX I was late on these accounts, which is completely false, as I have already verified this information with the creditors. I proceeded with sending XXXX, Equifax and XXXX dispute letters outlining what was incorrect on my file. 

XXXX sent me a response to my dispute on XX/XX/2022 stating they did not understand the nature of my dispute, which I think is a stall tactic and violation of the FCRA, because I was very clear that I was disputing the status of my accounts, reflecting incorrect payment history. 

I have yet to receive a response from Equifax on their investigation results and it has now been over 30 days since I sent in my dispute letter. 

XXXX, Equifax and XXXX are both in direct violation of US Code 1681a Paragraph 2, which states " Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ''. 

And according to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CAN NOT! 

As an XXXX XXXX it is already hard to navigate the stigma within this country 's financial institutions and having erroneous information reporting on my credit profile just makes it so much difficult for me to be a able to provide a better quality of life for my family. 

Please help me correct this erroneous information!!!
Consumer complaint received 2022-10-24
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. (CA)

Again you telling me a computer reach out and talk to someone and verify all my information and and again by law I'm asking you to please provide me with the information by FCRA act. All my rights been violated violated by all three major credit bureaus along with consumer financial protective burea... I'm ask by law whom did you talk to time date phone number
Consumer complaint received 2022-10-24
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 have been trying multiple and countless times to correct my Credit Report by having the disputed accounts corrected and fixed and or completely removing the disputed accounts from my Credit file, but my requests have been constantly ignored. I am now submitting this CFPB complaint to warn the Credit Bureaus that in the event they do not comply with my requests and do not correct or remove the disputed accounts from my Credit File, I will be filing a lawsuit. Under the provisions of the Fair Credit Reporting Act, I am expecting that the Credit Bureaus will have the disputed accounts fixed and or removed from my Credit File. I am expecting that the Credit Bureaus will conduct another investigation and ensure that the disputed accounts are reporting accurately as required by law. If it is easier to deal with a lawsuit than correcting my Credit Report, so be it. I will be needing the correction of the following accounts completely from my Credit file : XXXX XXXX  XXXX XXXX XXXX Owed : {$63000.00} XXXX  XXXX Balance Owed : {$23000.00} XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2019-03-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (NM)

Back in late XXXX I attempted to close a retirement account with Wells Fargo. The account was funded by XXXX XXXX by way of a weekly prevailing wage contribution, which began in XXXX of 2015. The account amassed a little over {$16000.00}. When I inquired with the account representatives via phone calls about closing the account they told me the account had a loan balance of approximately {$300.00}. The amount outstanding would be deducted from the balance as well as a {$40.00} service fee, and finally AFTER their deductions a 20 % Federal income tax fee would be calculated from the net amount. The loan had already been paid in full, so this was a flat-out LIE. Since this time I have observed the account still having a balance of {$300.00}. So I called them to have the remaining {$300.00} sent to me. They said sure they would AFTER they again deducted another {$40.00} service fee and an additional 20 % Federal income Tax from the remaining $ XXXX.AGAIN THEY ARE SCAM ARTISTS. They claim to be a part of Wells Fargo but in truth they are NOT. Their phone number is : XXXX ... ... CONSUMER BEWARE ... ... ... ....
Consumer complaint received 2022-10-24
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: EQUIFAX, INC. (CA)

Again you telling me a computer reach out and talk to someone and verify all my information and and again by law I'm asking you to please provide me with the information by FCRA act. All my rights been violated violated by all three major credit bureaus along with consumer financial protective burea... I'm ask by law whom did you talk to time date phone number
Consumer complaint received 2022-05-05
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: EQUIFAX, INC. (GA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-05
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (MD)

After reviewing my consumer report, I've noticed multiple inaccurate derogatory marks added by Transworld Systems. I've attempted twice to obtain valid verification from this company but to no avail. I wrote this company on XX/XX/2022 requesting that they please provide any and all original documents bearing my signature, provide dates of services, and to please provide me with any and all persons they've verified this information with. In respondents, the company sent a few fabricated documents, which were unresponsive to my demands. The company name isn't on any of the documents sent, there were no contracts bearing my signature and or specific services done, and there were no personal signatures proving those documents are ( 100.00 % ) verified. Also, they've stated that the derogatory marks were charge-off which is false because they're listed on my consumer report as collections. I wrote them a second time on XX/XX/2022 and their response was the exact same documents. At this point their being very negligent and have violated my consumer rights.
Consumer complaint received 2022-10-24
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. (TX)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-30
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: Affirm Holdings, Inc (MI)

I have a XXXX XXXX bankruptcy from 2015 that's discharged and almost of of the creditors included in that show up as negative on my reports. Also I have 3 collections that shows a balance due and It was in the middle of covid 19 and these places won't cut me no slack. How is a person like me supposed to get back to a great credit score? It's shameful and disheartening and most days I just wan na give up. You can see my current report and I paid XXXX XXXX to fix things but they did nothing for me.
Consumer complaint received 2022-05-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (AZ)

New Day Financial LLC has been sending me VA Loan junk mail for years. I have called them and requested they stop sending me mail but have not complied. Their mail is misleading and predatory. They claim guaranteed amounts of cash out home equity loans and claim lowest interest rates. The mail is deceptive and appears to come from my bank or mortgage processing company.
Consumer complaint received 2022-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revco Management, LLC (OH)

I have know knowledge of what this is for and I have asked multiple times for an itemized bill and dates of when this service had happened and they will not give me the information or any details at all I have always paid something consistently on XXXX through the XXXX so I should have XXXX accounts going into a collection. 

company revco account XXXX
Consumer complaint received 2022-10-24
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was 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 CARD Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX/XXXX  Account Number : XXXX ; XXXX CARD Account Number : XXXX ; XXXX CARD Account Number : XXXX ; XXXX  XXXX  Account Number : XXXX
Consumer complaint received 2021-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NY)

I have to repeatedly contact Nelnet via complaints on the XXXX XXXX XXXX  because they do not respond to anything else, their customer service is so poor. I have been asking for an income based repayment plan that matches the federal statues since the pandemic began, which has been a STRUGGLE. Additionally, I had to leave my home quickly to XXXX XXXX from my neighbors, who are XXXX XXXX and I wrote Nelnet asking them to send my documentation to an alternative address and I stated that I have not received anything they claim to have sent. Instead of acknowledging this and making the change, Nelnet sent me a non-response, response ( which is typical for them ). Refused to make the change of address and I STILL do not have any of the documentation that was requested in the first place. I am filing this complaint to get my address changed as requested and new copies of the IBR and documentation requested. It is IMPERATIVE for safety reasons that no further documentation be sent to the previous address on file from Nelnet.
Consumer complaint received 2018-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

As previously discussed and unaddressed in complaint # XXXX ... I've given feedback that the complaint was unresponsive and closed without meaningful addressing the issue ... 

The problem with the response : ( a ) I have a protected monetary interest in the money I'm owed and the CFPB stands by, impotent, to protect that interest. 

( b ) If I was a business and had a business bank acct, business address ... etc I would not have had the necessity to file a complaint. 

( c ) If PP cooperates with XXXX, a preferred payment option ... and XXXX allows me a limited opportunity to list and sell items as an individual, why must PP demand I set up a business and then CFPB stand by and allow this transgression. 

( d ) Lastly, and as confirmed in the company response ... if I do not conform to a business requirment that I am not ... My monetary interest will be returned and essentially work in concert to steal from me.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (NY)

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 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: EQUIFAX, INC. (LA)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-30
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. (NJ)

Hi, My computer was hacked/ has been hacked for years. Ive only ever recently started taking action, ive started disputing stuff with XXXX XXXX but that takes too long. All of the hard inquires on my report are false.
Consumer complaint received 2022-05-05
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-30
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. (NJ)

Hi, My computer was hacked/ has been hacked for years. Ive only ever recently started taking action, ive started disputing stuff with XXXX XXXX  but that takes too long. All of the hard inquires on my report are false.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2022-07-30
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. (NJ)

Hi, My computer was hacked/ has been hacked for years. Ive only ever recently started taking action, ive started disputing stuff with XXXX XXXX but that takes too long. All of the hard inquires on my report are false.
Consumer complaint received 2022-07-30
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. (AL)

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

15 U.S.C. 1681section 602 A states i have the right to privacy.

15 U.SC. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had a roommate who lived in my home for several years. I was not aware that they illegally acquired my information and over the course of these last several years used my information in an attempt to acquire credit with various credit companies. 
I contacted by phone XXXX and they were very helpful and removed the inquiries in question but then about a month later-reinserted those inquiries without any notification to me whatsoever. I also called XXXX and TransUnion and was told that hard inquiries were not allowed to be deleted. That is not an accurate statement and the FTC has provided me with a letter acknowledging that I am the victim of identity fraud. I would like to have any inquiries that I did not personally make and or sign for removed as soon as possible. Since different credit bureaus have different inquiries I would like to have a dispute opened for me with a representative so I can accurately and fairly get my information updated. Thank you
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX and XXXX XXXX XXXX XXXX have both been Paid in full both still is reporting as delinquent after many letter about other incorrect items reported it kept updating as verified it couldn't be right
Consumer complaint received 2021-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XXXX, I received an email alledgedly from XXXX stating that a fradulent charge of {$2200.00} had been charged to my XXXX account and that if I wanted to dispute this charge, I should call the phone number listed in the email. Already under great financial stress, I took the phisher 's bait as I could not afford to lose any more money than I already had. The scammer explained that if I opened my online bank account, I could see that this money had been withdrawn from my account. I did so and did see that the money was being withdrawn. The scammer explained that he would place the money back in my account but that I had to enter the numbers " {$2200.00} '' for this to occur. I did so. Imagine my surprise when my monitor screen showed that I had moved " {$22000.00} '' back into my account, rather than " {$2200.00} ''. 
At this point the scammer claimed that MY mistake ( which he had orchestrated from his computer ) would cost him his job at XXXX UNLESS I went in person to my bank ( Wells Fargo ) and wired the money directly into his account. Because I did not want him to lose his job and because I am an honest person and realized this money did not belong to me, I did go to my bank and make the transfer as instructed by him. 
Imagine my horror when I realized the next day that I was the victim of his manipulation, when he had convinced me that he was the victim here because of my mistake. 
I have no satisfaction either from Wells Fargo, my bank, or from the receiving bank, XXXX XXXX XXXX. You will find attached the original the scammer sent me, the wire transfer information the scammer gave me to complete the wire transfer, and a telephone chart of his phone calls to me. I have filed a report both with the FBI and with the FTC. I have contacted the local police and the local sheriff.