davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
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)

The Credit Bureau has failed to timely remove/delete the public item of federal bankruptcy from my credit report. On or about XX/XX/2015, I filed federal bankruptcy under XXXX XXXXXXXX. During the course of these proceedings my XXXX  XXXX was converted under 11 U.S.C. 1307 ( a ) to XXXX  XXXX. XX/XX/2015, my bankruptcy was discharged. 

I've contacted the credit bureau and discussed this. I was told that the information comes from a 3rdparty and a dispute was initiated. Upon receiving the results of the dispute, and nothing being changed ; I am filing this complaint. XXXX reported the information to the Credit Bureau despite providing them with proof that this was an initial XXXX XXXXXXXX filing which has a 7 year reporting time ; it continues to be reported. XXXX reports that the XXXX XXXXXXXX was dismissed or closed, when in fact it was discharged. There was also a reference that all debts were the responsibility of consumer. 
XXXX  XXXX bankruptcy is deleted seven years from the filing date. The reported information should have been deleted XXXX. XXXX XXXX and XXXX have deleted the bankruptcy from my credit report. 


Public Record Information This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-16
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)

On XX/XX/2020 I signed a rental lease agreement for furniture with XXXX XXXX. 
As per the contract there is a stipulation that clearly state : Although I may have applied for credit with a retail merchant, the rental purchase transaction is not a credit transaction. the lease rental agreement indicate the market cost of the merchandise is {$2600.00} and the buyout option is {$3500.00} XXXX has ruined my credit because they have reported this to the credit credit bureau a personal loan on the amount of {$6200.00}. 

This is creating me a significant financial harm. 
They are conducting an unfair and deceiving business practices specially in low income individuals. 
This was rental agreement not a sale or loan. I never signed a loan application. 
whatsoever for this being reported as a loan. 
Below are a basic informationn on the rental agreement. I can provide the entire copy if needed it. 
Date : Agreement Number : Lessor : Lessee : contract # XXXX DESCRIPTION OF RENTAL PROPERTY : Item # Item Description Model # Serial # This Property is : {$3500.00} XXXX payments @ /payment for a total cost of, plus tax. 
XXXX XXXX XXXX {$290.00} {$6200.00} If you fail to make a timely periodic payment, you shall have the right to reinstate this agreement ESTIMATED FAIR MARKET VALUE OF THE LEASED PROPERTY : EARLY PURCHASE OPTION : A XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX LOC :
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. (MD)

In accordance with the Fair Credit Reporting act 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 Pursuant to issue 18 U.S.C 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 U.S.C 1681B 2. Company has also NO permission to report ANYTHING using my info pursuant to 15 U.S.C 1681 4
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. (NY)

The 3 Credit Bureaus are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of theFCRA. I have submitted 8 complaints informing The 3 Credit Bureaus that I was a victim of identity theft.The 3 Credit Bureaus are failing to block or remove the accounts from my report. I followed theirguidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), Isubmitted the identity theft reports, provided a report circle the fraudulent accounts, anaffidavit from the FTC website & provide a photo ID for their records. The 3 Credit Bureaus have claimedthe accounts listed below have been verified and are accurate. I'm truly confused by theirantics/tactics on how to report this issue but they are ignoring this dispute and failing tocomply with the rules set forth in the FCRA. I need them to be held accountable & have thefollowing accounts blocked/removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credit Karma (NY)

XXXX XXXX reported a charge off for XX/XX/XXXX payment and failure to pay I paid that account amount XXXX every month they continue to report both account one which is paid off delinquent and negative and bad credit charge off Ive been with XXXX XXXX for 27 years with out a miss payment a disagreement over a statement and payment cause them to bring me to court I never reicieved a court order in mail paid a lawyer who took my money had to deal with XXXX and XXXX law firm even them knowing I had a lawyer also payments were made out of my XXXX check which is XXXX dollars I tried in vein to make payment to the point off having someone call in payment s to law firm so payment date various due to them the collection law firm putting the payment through this ruined my credit and my life 32 years of credit 100 % payment history ruined and still XXXX XXXX n law firm continue in tased practices
Consumer complaint received 2019-03-28
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (MI)

MY complaint is with CFPB and the complaint I had filed against Wells Fargo! I was notified today that a response letter was in the complaint file and the complaint was closed before I even saw the letter!

The person LIED about set fees when my son tried to cash the check that was on a Wells Fargo Checking Account! We were CHARGED {$20.00} from the teller who waited on us!

WhaXXXX XXXX XXXX is NOT cheated out the Presidency AGAIN! Because ALL of you needs a XXXX overhaul! Lazy good for nothings!
Consumer complaint received 2022-10-08
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. (PA)

XXXX has 5 HARD INQUIREYS on credit report. Starting with Veteran unites. I never tried to buy house or it would have been bought .The other 4 hard inquires are when I got onto credit sesame e and my file was linked but those 3rd party credit services lie and scam. I need all 5 inquires off my transunion report. This is hurting me. My children and elder mother. Trifling how these companies don't even do business in America. They lie to the XXXX  and other XXXX to do and say what they tell them. My 5 gard inquires are fraud.
Consumer complaint received 2022-05-05
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC SECTION 604 SECTION2 IT STATES I HAVE RIGHTS THE RIGHT TO PRIVACY IT ALSO STATES THAT AS A CUSTOMER REPORTING AGENCY VIALATED MY RIGHTS AND CANNNOT FILE AND PLEASE DELETES OFF MY CREDIT IN A TIMELY MANNER THANK YOU
Consumer complaint received 2022-08-23
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma (FL)

XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX  all on the credit reporting agency I use. It says you qualify so click here to get the card then they all run hard inquiries 20 of them and everyone of them say no in the meantime bringing my chance to even get a non secure card off the table. I am applying for a home and I went to XXXX XXXX and XXXX XXXX and they do it too! Now my credit score is down and inaccurate. I dont know what Im supposed to do. I applied for credit my dad did too because a family member died and we didnt have cash and now I feel like Ive been hung out to dry by these people. Dont trust these sites saying you can get a card based on your credit credit karma, XXXX XXXX XXXX. Please help me
Consumer complaint received 2019-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XX/XX/2019 my check no. XXXX, in the amount of {$300.00} was posted to my escrow account with WELLS FARGO. I received an escrow review statement in the mail mid XXXX regarding a shortage of my escrow account of {$260.00}. I called the Wells Fargo Mortgage XXXX XX/XX/2019 and was transferred three times, because of inconsistency responses of each banker representative. I informed them the escrow statement I received now is being referred to as a projected analysis, nevertheless its misleading to the homeowners. The last person I dealt with was XXXX XXXX and basically in a nutshell she stated for me to pay the contractual payment initiating on XX/XX/2019 in the amount of {$2000.00}. I explained to her I see the shortage of my escrow because I changed my homeowners insurance policy. Albeit, the extra hidden {$280.00}, does not justify, when my property taxes fees remain the same. 
Well Fargo should of ask for {$540.00}, but they could not justify, so they create numbers that is not reality. 
Wells Fargo continues to be a corporation of false and misleading information to their customers. I have {$260.00} displayed over three documents, in bold writing about the escrow shortage. 
Clearly misrepresentation and false information and bogus so-called projected analysis basically more fees to cover corporation fraudulent practices at consumers expenses.
Consumer complaint received 2021-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

On my credit report Jefferson Capital Systems inaccurately reported the date my debt was opened as XX/XX/XXXX, when they confirmed over the phone that it was XX/XX/XXXX. They refuse to correct it because they have to list the date they acquired my debt. Thats not at all what date opened means when looking at a credit report. Date opened means the date the account was opened not the date some company acquired my debt. Every other debt company works the same way but Jefferson Capital Systems.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (OH)

I need ALL forms of ALL reports created by LexisNexis, including XXXX XXXX life-insurance related, health insurance-related, etc. reports to review for errors because I received multiple letters of adverse action from multiple LexisNexis report types. These AA letters indicated patently false data points/information. I need these false data removed because Im being surcharged for various insurance types, and other carriers will not accept me ( based on the LexisNexis report ( s ) ). 

Further, I wish to exercise my Right to Be Forgotten and must examine the records to ensure all requests have been deleted or else to know how to refer to such reports. LexisNexis will not advise to its formal opt-out system for all its productsonly one, singular tool for one report type exists, and they allege compliance with my request. 

I requested my report via Internet in earlyXXXX, midXXXX and again this week ( early-XXXX ). I still do not have any reports as of today, XXXX. 

The company reached out to me via XXXX after having complained about the disservice, but theyve failed to follow through with their promise to even reach out. 

Beyond the above items costing me ongoing financial harmfor which Lexis is directly liable, I need to fix any errors because Im a victim of identity theft/fraud ( duly-reported and recorded in XXXX XXXX, CA ). Please help me get this and in an expedited manner. Thank you.
Consumer complaint received 2018-10-19
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: SYNCHRONY FINANCIAL (MI)

Re : File Number XXXX Dear Agent, Thank you for your reply of XX/XX/2018, Attached is all my correspondence with the XXXX XXXX  with whom I apparently owe {$2000.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2018, and XX/XX/2018 that I have repeatedly made these offers. Synchrony Bank on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2018 however as a courtesy I gave them another 10 days to respond which they did not. This settled the matter once and for all on XX/XX/2018. 

I have since been harassed by XXXX XXXX  with whom I have no contractual relationship. However, as a courtesy I have kindly offered these agencies settlement in full on the amount owing upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form which binds myself and this agency. The agency has not offered to accept payment from me on either occasion. 

To date XXXX XXXX, has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. 

I would appreciate if you would review my documentation and obtain a statement of facts from XXXX XXXX  outlining exactly why they can not produce the original instrument of indebtedness, why they have had their lawyers harass me for a nonexistent debt and why they have referred this non-existent debt to a debt collection agency. 
Thank you very much. 

On behalf of XXXX XXXX XXXX Without recourse By : XXXX : XXXX
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. (LA)

n accordance with the Fair Credit Reporting act XXXXt XXXX XXXX Account XXXX, XXXX  XXXX XXXX, Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account XXXX, XXXX  XXXX XXXX, Account # XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX has violated my rights. 
XXXX5 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 2022-07-31
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: Self Financial Inc. (PA)

# XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open # 12345, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency car furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open plan as late for and purpose.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

XXXX Bank did not credit these charges as discussed and most of them were unseen : {$250.00} on XX/XX/XXXX for USPS ; {$21.00} on XX/XX/XXXX for XXXX XXXX ; {$53.00} on XX/XX/XXXX for XXXX XXXX XXXX ; {$180.00} on XX/XX/XXXX for XXXX XXXX ; {$6.00}. on XX/XX/XXXX for Deposited item-this was credited-other placed stop not me ; {$57.00} on XX/XX/XXXX for XX/XX/XXXX ; {$350.00} on XX/XX/XXXX for XX/XX/XXXX ; {$180.00} on XX/XX/XXXX for XX/XX/XXXX; {$240.00} on XX/XX/XXXX for XXXX XXXX ; {$150.00} on XX/XX/XXXX for XXXX XXXX ; {$140.00} on XX/XX/XXXX for XXXX ; {$41.00} XXXX XX/XX/XXXX for XXXX XXXX ; {$320.00} on XX/XX/XXXX for XXXX ; {$100.00} XXXX XX/XX/XXXX for XXXX ; {$370.00} XXXX XX/XX/XXXX for XX/XX/XXXX; {$330.00} on XX/XX/XXXX for XXXX XXXX ; {$180.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$38.00} on XX/XX/XXXX for XX/XX/XXXX ; {$170.00} XXXX XX/XX/XXXX for XXXX ; {$40.00} XXXX XX/XX/XXXX for XXXX ; {$29.00} XXXX XX/XX/XXXX for XXXX ; {$590.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$240.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$20.00} XXXX XX/XX/XXXX for XX/XX/XXXX; {$160.00} XXXX XX/XX/XXXX for XXXX & XXXX ; {$120.00} on XX/XX/XXXX for XX/XX/XXXX ; {$100.00} on XX/XX/XXXX for XXXX ; {$14.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$57.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$100.00} on XX/XX/XXXX for USPS ; and {$41.00} on XX/XX/XXXX for XXXX XXXX Please mail XXXX XXXX me.
Consumer complaint received 2020-04-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TMX Finance LLC (OH)

I received a call from XXXX, they left a message. I called back and they stated that I owed over 1100 for a {$500.00} loan that was taken out in 2014 from the company Instaloan. I told them that I never had a loan through there and they insisted that I pay to avoid legal action taken against me or it affecting my credit. The asked if I had a XXXX account and was it always the same. I only stated that it was not the one that they provided. I called Instaloan and they stated that they had no record of me ever having a loan and the only way that I could do so if I lived in Georgia or Florida which I have never lived there.
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX 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 XXXX Balance : {$360.00} XXXX XXXX  XXXX Balance : {$460.00} XXXX FIN XXXX Balance : {$5000.00}