davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-08
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: LJ Ross Associates (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-07-07
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)

This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2018-02-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

I have tried and tried to contact Navient, but get no response. They claim I agreed to some sort payment plan that has this ridiculousnessly high amount, when I dispute that and demand they show me something with my signature on it, they can't.
Consumer complaint received 2021-07-07
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 (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-22
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)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-07-07
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: WELLS FARGO & COMPANY (IL)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2021-07-07
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/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, almost over a year later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2 dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Each month I have to call in and dispute the inaccurate information being reported by XXXX XXXX XXXX. They are reporting this account as being open and active and past due over XXXX dollars. This account should be closed and has been closed for over 3 years. I have made numerous calls to have this matter resolved to only have it reappear each month.
Consumer complaint received 2021-07-06
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. (GA)

I am contacting the CFPB because it is my last attempt of trying to correct the inaccuracies reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX for account XXXXXXXX XXXX XXXX XXXX. I have called to speak to two managers XXXX and XXXX trying to escalate this issue to be resolved because it is not only hindering my life but causing a snowball of other problems all due to the negligence of the staffing at XXXX. It has been reported two late payments to my credit profile when in fact I have not been. It has been confirmed by multiple employees that the fact XXXX is reporting a late XXXX payment when my due date was XX/XX/XXXX, payment received XX/XX/XXXX ( six days later ) ; I should not be counted for a late payment when the payment is incapable of being labeled late until 30 days past the payment date of XX/XX/XXXX ( which would be XX/XX/XXXX ). I have called and complained several times of the need for call monitoring and coaching of staff who informed me that my automatic payments were active when later informed they were not causing me to log in the XXXX customer portal to manually submit one time payments. I have over a XXXX credit score, never experienced a late payment in my life which shows this is not a regular trend of actions but in fact is the opposite of my character and habits. I feel that the employee that informed me that my automatic payments were active should be held accountable and that the incorrect late payments reported should be removed immediately. I have personally sent in two packers to XXXX XXXX XXXX including a formal dispute which is attached with the details of the incident, copy of my XXXX credit report which noticeably shows my XX/XX/2021 payments as on time and a in depth 50 page packet of my credit report to show that I have never been late with any lender in my life. I am begging for help to fix this issue because it is inhibiting me from closing on my home with my family because it has drastically dropped by credit score and reflected negative payment pattern that is not true. I demand that the XX/XX/2021 and XX/XX/2021 late payments be immediately deleted for account XXXX 2021 XXXX XXXX and also the recorded phone conversation with XXXX XXXX services employee be pulled to show that I was given incorrect information.
Consumer complaint received 2021-07-08
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. (TN)

I have mentioned in my previous disputes that the listed accounts are erroneous and inaccurate, yet those accounts are still showing on my report. This goes against FCRA section 623 ( B ) ( i ).
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Consumer complaint received 2022-04-24
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. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MS SERVICES LLC (CA)

On XXXX XXXX MS Services LLC Collections started reporting to all 3 credit bureaus that I owe them {$690.00}. I have no contract with this company. MS Services purchased my personal information from XXXX XXXX XXXX XXXX Checking OR without my knowledge or permission. They are in violation of 15 usc 1692 and 15 usc 1681. Further more on the collection it states that it was {$630.00} and as of now it is {$690.00}.
Consumer complaint received 2021-07-06
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

CFPB + Equifax, This is in regards to my XX/XX/XXXX credit report. 

1 ) I have a new and updated letter from XXXX XXXX that says to remove the late payments on my credit report from XX/XX/XXXX and XX/XX/XXXX. 

2 ) I have a new and updated letter from XXXX  XXXX that says to remove the late payments on my credit report from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

3 ) I have a new and updated letter from XXXX XXXX that says to remove the collection account from my credit report. 

Attached to this complaint you will find : - drivers license - social security card - address - complaint - letter from XXXX  XXXX - letter from XXXX  XXXX - letter from XXXX XXXX - screen shots on my credit report where these are located Please have these removed as soon as possible as I am buying a home.
Consumer complaint received 2021-06-25
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: AFNI INC. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

On XX/XX/2020 at XXXX XXXX, I received an e-mail from Discover stating they cancelled my account effective immediately. They stated they tried verifying my personal information, but they never contacted me. I called Discover and I told them that I never received anything in the mail, by phone or e-mail. They said they tried calling me a couple times on a phone number that isn't even mine. They said there is nothing they can do and my account will remain closed. I have had an account with them for years and they never did these verification reviews.
Consumer complaint received 2021-10-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Hello, I'm a mortgage professional with 15 years of lending experience. I currently have a first mortgage with XXXX  XXXX XXXX and second mortgage with Wells Fargo. I'm in the process of refinancing the first lien with XXXX XXXX, however, I'm having a difficult time getting Wells Fargo to subordinate the second mortgage. XXXX XXXX received a response from Wells Fargo that stated that I'm in a special forbearance and as a result, Wells couldn't approve the subordination. Subsequently, after being informed, I reached out to Wells on XX/XX/XXXX at around XXXX to ascertain the reason and get clarification since I was not in a special forbearance as confirmed by Wells Fargo reps per my conversation with then on the XXXX. I was on the phone from XXXX until XXXX. I spoke to several representatives and at about XXXX, one of the supervisors hung up on me after waiting two and half hours and being told that I needed to pay the XXXX payment before a request can be processed to address my issue. I called back for an explanation and was placed on hold by a supervisor who indicated that a response had been sent on XX/XX/XXXX which was not accurate. Unfortunately, no one could explained to me as to why Wells Fargo who has the second mortgage and in a second lien position would not subordinated so I can refinance the first mortgage. My first mortgage with XXXX  XXXX XXXX is at 6 % and the second mortgage with Wells Fargo at 8 %. The goal is to refinance both. It would be inappropriate to not note that a lady by the name of XXXX XXXX was extremely helpful and understood the request but was unable to see the response sent from the department that addressed the inquiry. She was the only bright spot out of all of the people whom I conversed with on the phone at Wells Fargo. She informed me that she was going to look into it and get a response by Tuesday of next week on XX/XX/XXXX. As a mortgage professional, I asked the reps to disclose everything when I applied for the forbearance afforded per the CARE 's Act because my intent was to refinance and I didn't want anything to hinder or serve as a bulwark to getting the loans refinanced. I need CFPB to inquire as to why this occurred and whether Wells can arbitrarily decide not to subordinate a second lien after I had completed and met the requirement to be remove from the special forbearance.
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

Entered wrong account number for wire transfer. Immediately called Wells Fargo on XX/XX/2021 to initiate dispute and pull the funds back. Received claim number called today XX/XX/2021 to follow up. I was transferred XXXX trying to get someone to assist with the claim. Nobody will take accountability on who is responsible for handing the dispute.
Consumer complaint received 2022-10-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

AES will not permit my daughter or me to set up automatic payments because they do not have an autopay program for students who are not in repayment and are instead only paying interest. Interest payments are just as difficult to remember to make each month. AES has reported us to the credit bureaus for being days late on making small ( $ XXXX {$50.00} ) interest payment. It is customary in the industry for a legitimate loan servicer to offer ACH aka autopay on all payments due. Perhaps AES does this in order to earn fees for late payments? There are no other logical reasons why they would not offer autopay on interest only payments.
Consumer complaint received 2021-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (DC)

On XX/XX/XXXX I received a letter dated XX/XX/2021 from Wells Fargo. Inside the letter was a XXXX dollar cashier check and a letter stating why I was receiving the check. After further review of the letter and my consumer laws Wells Fargo has violated me as a consumer. By sending the check and the statement in the letter that says You are receiving money because of a legal settlement Wells Fargo and the Consumer Financial Protection Bureau addressing the banks sales practices shows admission to the violation of the consumer. Wells Fargo violated 15 USC 1602 ( p ) as they didnt have actual or implied authority for their unauthorized use of the consumers ( cardholder ) credit card ( social security card ) and personal information, and as the consumer received no benefit for any of the unauthorized transactions.
Consumer complaint received 2021-07-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2021-07-06
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: VALLEY NATIONAL BANCORP (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : Identity Theft 1. XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine 3 Identity Theft VNB- XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine.
Consumer complaint received 2021-07-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I disputed items off of my credit report due to inaccurate information to all credit bureaus. Neither one of these credit bureaus responded in 30 days, nor did they provided proof of the accurate information. I've sent them 2 letters and no response have been made
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

I applied for credit card for a retail store called Brandsmart on XX/XX/2022. The bank issuing the credit card was Synchrony Bank. During the application process, they had demanded my phone number to verify my identity. I have never been asked this to verify my identity. 

Although, I found it odd, I provided my phone number. I was then to receive a text message but my phone had died. They then said to submit an alternate method for verification using the bank 's website and I did.

Despite having a high credit score, I was ultimately denied and advised I would receive a letter regarding the reason for the denial. I was advised a hard pull of my credit was performed. I requested a copy of the credit report and score as is required. The bank refused to provide it to me.

The purpose of my compliant at this time is with respect to the bank 's refusal to provide me with a copy of my credit report and score that was pulled by them during the application process.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have tried contacting XXXX, Equfax, and XXXX about a closed account that was settled by me and the creditor. I paid it in full and it is still showing up on my credit report and is negatively impacting my credit score. The account in question is with XXXX XXXX XXXX XXXX. It was a secured card that had a balance of {$29.00} and was paid in full on XX/XX/23. Being that I have paid this account in full and have settled it I am asking that it be removed from my report because it is adversely effecting my credit report.