davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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. (MO)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX  ) XXXX Balance XXXX {$0.00}, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/2016XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00}, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$98.00}
Consumer complaint received 2022-05-13
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. (AR)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my credit file, incorrect informations was found in my reports. The XXXX, XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ( Inaccurate Name : XXXX XXXX ; Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX Late Closed : XXXX XXXX Balance : {$0.00} ; Charge off : XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$420.00} ; Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1400.00} ; XXXX XXXXL ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ; Inquiries Included In Dispute : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXnquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX )
Consumer complaint received 2022-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (AR)

My mortgage was held by Citizens Bank. I refinanced my mortgage and the new one was sold right back to Citizens Bank. I had to reconfigure my online account and autopay settings. Their system malfunctioned and I was not aware of 2 missed payments. They claim to have sent me a letter and to have called me. But they admit they do not have a record of such a letter and that they use automated robocalls that are often marked as spam. Multiple calls and conversations with them result in unreturned calls or a flat statement of " we did not make any errors ''. I was reported to credit bureaus. 

Every time I have an issue with the account, wait times are between 2 and 5 hours to try to reach anyone. 

Today, I need to change the autopay settings and am currently locked out of the account because it is not recognizing the challenge questions/answers. All of the automated password reset options put me in an endless loop ( 5 or 6 times so far ) and have been on hold for 3 hours to speak to an actual representative.
Consumer complaint received 2022-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (NJ)

On XX/XX/2022 I received a letter from XXXX XXXX XXXX XXXX on XXXXehalf of Bureaus Investment Group Portfolio XXXX Llc about a debt that I was not aware of. I sent a debt validation letter requesting further Information on this debt and their right to even collect this alleged debt on XX/XX/2022. I received a letter back from XXXX XXXX XXXX XXXX on XX/XX/2022 with only billing statements and none of the information I asked for. I also sent Bureaus Investment Group Portfolio XXXX. XXXX LLC a letter requesting proof that the debt they claim I owe is valid by furnishing a contract bearing my signature or the original contract of such said debt via certified mail on XX/XX/2022. I received a response back from Bureaus Investment Group Portfolio XXXX. XXXX LLC on XX/XX/2022 back dated XX/XX/2022 with same information ( statements ) they sent to me through XXXX XXXX XXXX XXXX on XX/XX/2022. They have failed to properly validate this debt with a contract bearing my signature or original contract of such debt.Along with the other information I requested!
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREAT LAKES (IA)

On XX/XX/2018, my credit card was charged for {$20000.00} to pay off my account. I spoke with XXXX on XX/XX/2018 and she opened a ticket to make sure payments are updated because she could see that fund were received on XX/XX/2018. I received a letter dated XX/XX/2018 that said, XXXX XXXX XXXX XXXX XXXX reported the default of my Federal Family Education Loan. I spoke with XXXX from XXXX XXXX XXXX on XX/XX/2018 who said the account was pulled from their office and she referred me to XXXX  Post Claims. I called XXXX Post Claims and spoke with XXXX on XX/XX/2018 who said the account was closed on XX/XX/2018. She said that payments may be held for 45 days from initial payment. No updates to the account for 3 months and 8 days. It appears the financial institution does not have reasonable policies and procedures to process payments timely, close accounts promptly, provide accurate disclosures or provide accurate information to the credit reporting agencies.
Consumer complaint received 2022-10-08
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)

So, I Sent a letter off on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 U.S.C. 1681. I have the right to privacy. Also, according to 15 U.S.C. 6802. No financial institution is not supposed to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-05-13
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. (AR)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccurate on my Credit Reports. 
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX : {$24000.00}.
Consumer complaint received 2022-05-13
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 XXXX  acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX  acct # XXXX, XXXX acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2022, I mailed the attached dispute letters to XXXX and Experian via certified mail to dispute the XXXX charge off that's inaccurately reporting on my credit file. Both bureaus stated the debts were verified as accurate ; see the attached reports. I have provided a screenshot of my most recent report and the data across the bureaus are not reporting 100 % accurately ( XXXX XXXX XXXX  are not consistent ) and must be REMOVED from my credit report! 

Per 15 U.S. Code 1681i ( 5 ) : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Experian Account : XXXX XXXX XXXX Account : XXXX Acct XXXX XXXX
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address, Please update my name, My only social security number, My only and correct date of birth, and My only employer. 
I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-13
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. (CT)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
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. (NY)

In XXXXXXXX XXXX XXXX I wrote 3 letters to Experian, XXXX and XXXX disputing 3 issues on my credit report, the amounts were in question after verifying the accounts with the creditor and 2 creditors did not recite the XXXX XXXX, I stated this in my dispute, weeks later while on the Experian app, I see " Dispute results updated '', the dollar amounts were changed but no mention of the creditor failing to recite the XXXX, I called Experian, they opened up a new " Account Dispute '' but nothing has changed to date, Experian did not even mention the XXXX not being stated in their 1st report, it had no bearing to them, I thought the XXXX always had to be recited and if not that is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-12-16
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: TRANSWORLD SYSTEMS INC (OH)

On XX/XX/2020, TRANSWORLD SYSTEMS add a derogatory mark on my credit reports. TRANSWORLD SYSTEMS did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2018-08-14
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: EQUIFAX, INC. (CA)

EQUIFAX is reporting an account on my credit report that the subscriber/creditor has told EQUIFAX to delete or remove from the file. 
The account is XXXX XXXX  XXXX, ACCOUNT NO.XXXX. 
FOR VERIFICATION OF THE ABOVE contact XXXX XXXX of S.C.E. LEGAL AFFAIRS DEPT. at XXXX ) XXXX.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

I HAD AN ACCOUNT WITH WELLS FARGO AND I HAD A SECURE CREDIT CARD THRU THEM. THEY ENDED UP CLOSING MY ACCOUNT BECAUSE THEY SAID I OWED THEM {$800.00} ON THE SECURE CREDIT CARD. WHICH I DIDNT. THEY WOULD TURN MY CARD OFF DAILY BECAUSE I WAS USING IT ALOT WITH MY OWN MONEY I WOULD BE ADDING. WHEN I FINALLY JUST OPENED ANOTHER CARD THEY SENT ME AN {$800.00} BILL. WHEN THE ONLY MONEY YOU CAN USE ON A SECURED CARD IS THE MONEY YOU PUT ON THERE FIRST. I HREQUESTED A MEETING WITH THE MANAGER AT WELLS FARGO LOCATION XXXX XXXX XXXX XXXX XXXXXXXX. AFTRER THE MEETING I WAS UNDER IMPRESSION ALL WOULD CLEAR UP. IT DIDNT. ALSO I BELIEVE RANDOM SMALL AMOUNTS OF CASH WOULD JUST DISSAPPEAR FROM MY ACCOUNT
Consumer complaint received 2021-06-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

On or about XX/XX/2021 I sent the servicer of my loan a letter requesting the identity of the owner ( s ) of the debt or creditor ( s ) pursuant to 15 USC 1641 ( f ) 2 a request for loss mitigation under 12 CFR 1024.41 and lastly a request for information about the servicing of my loan and specifically the XXXX test and the detailed explanation of the XXXX methodology and model including all formulas and variables for any loss mitigation application. To date I have not received any acknowledgement from the servicer that the letters were received as required by 12 C.F.R. 1024.36 ( c ), and or a the information requested within 30 days are required by 12 CFR 1024.36 ( d ) ( ii ) ( 2 ) ( B ).

The servicer has received my letter request for information and my application for loss mitigation on XX/XX/2021 and XX/XX/2021 according to my certified mail tracking receipts. ( See Attached )
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting actXXXX 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 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. 


Please remove this account.
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2021 Wells Fargo added a Bank adjustment in the amount of {$61.00} listed as other miscellaneous purchases and the modes were not available. My account has a XXXX  balance. I need to know why Wells Fargo put this amount {$61.00} see attached
Consumer complaint received 2022-07-31
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. (IL)

My name is XXXX XXXX. I have been battling with these credit reporting agencies since 2021 regarding incorrect information on my reports. I have done all I can do and need help. I've gone to the police and filed a report. I've even gone to the FTC and filed reports but they refuse to do their job. My purse was stolen a few years back at a nightclub and I've had credit issues and ID theft issues ever since. This is effecting my life!!!
Consumer complaint received 2022-07-31
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. (MA)

In aceordance with the Fair Credit Reporting act XXXX Account Numbers : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-06
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 have several inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. 
Equifax is stating that " inquiries are a factual record of file ''. How are these inquiries factual when I have contacted the creditors and the creditors have no account. 
Furthermore, they have no knowledge of me doing business with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries.
Consumer complaint received 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

I have a loan with CITI, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and CITI, XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF NEW YORK MELLON CORPORATION, THE (NH)

Please see case # XXXX for full details. 

They have not responded to me or given an update since their initial response on XX/XX/2022. They said they have " reopened my case and are re-evaluating my claim ''. 

They are clearly kicking the can down the road and hoping that I give up. 

Please light a fire under them. They have been jerking me around for months now. I have a legal right to be reimbursed for fraudulent transactions, and this company is clearly violating my rights as a consumer.
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: Experian Information Solutions Inc. (FL)

I was notified of XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX credit card was opened in my name and SS #. I immediately called XXXX in which they were aware of this fraud opened in my name. I placed a dispute with Experian and they notified me that the information obtained was correct. I have never opened an account with this Company and asked for this to be removed on top of the inquiry from my credit profile in which they refused to do so.