davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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)

XXXX 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 XXXX : Account number XXXX, XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX BANK : Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX 
Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX Unknown Account number XXXX Unknown Account number 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 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX. XXXX my SS is XXXX, my DOB is XXXX the following addresses are not accurate please remove/delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX
Consumer complaint received 2022-06-06
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. (NJ)

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 without my written instructions.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (GA)

I deposited a check of {$6800.00} on XX/XX/XXXX in my business account using the online deposit function. Chase Bank held onto the check for verification and claimed the funds will be available on XX/XX/2022 ( Exhibit 2 ). Now it claims it has not been able to verify the check. I contacted my client who issued me the check and was provided a cancelled check ( Exhibit 1 ) with evidence that Chase has cashed the check and the funds have been removed from his account. Chase has refused to make the funds available to me even though they have collected the funds from my client.
Consumer complaint received 2022-10-06
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. (NC)

This is a follow up complaint to the original complaint filed with the ( CFPB ) on XX/XX/XXXX. My issue has still not been resolved with Equifax. I have filed 8 disputes on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and Equifax is still reporting false and inaccurate information on my consumer report. 
Equifax has not verified information with The Department of Education or XXXX because if so my consumer report would reflect and update accurate information. 
I've called The Department of Education and was told that Equifax has not called them to verify any information about my account and that they would not send another update unless information was not correct so I'm concerned that a investigation has not been completed since The Department of Education has not been contacted. Updated credit information from The Department of Education was sent to all three credit bureaus on XX/XX/XXXX to remove Department of Education account from consumer reports and Equifax has denied receiving update. 
Equifax has not contacted XXXX to verify any information or completed an investigation because if so Equifax would not be reporting pays as agreed to an account that I'm in forbearance with until XX/XX/XXXX and have not made any payments to them so this information is false and incorrect. 
I've sent letters from The Department of Education and XXXX to Equifax stating this information and they have still refused to update files but have agents telling me to call The Department of Education and XXXX to update files with correct information. I've called both companies and was told that Equifax would have to call and verify the information with them and Equifax refuses to do so. 
If the Department of Education would send an update to Equifax to remove from consumer file as XXXX and XXXX have I would greatly appreciate. 
If XXXX would send Equifax an update to remove from consumer report until forbearance period is over and I start making payments so that false information reporting would be removed. I'm confused on how Equifax is verifying and conducting investigations if they are not contacting the creditors to see if information is accurate that they Equifax are reporting while closing out disputes as completed without an accurate resolution.
Consumer complaint received 2022-06-06
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. (NJ)

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 without my written instructions.
Consumer complaint received 2023-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

I had originally filed a complaint in XXXX concerning the way Wells Fargo serviced my loan from XXXX until I lost the home due to foreclosure in XXXX ; my original case # was XXXX. I will explain again, however so many notes were included in my original complaint. My loan # XXXX it was originally financed with XXXX XXXX bank they were purchased by XXXX and they were purchased by Wells Fargo ( XXXX ). 
My original loan was conventional fixed rate loan with interest rate of 8.09 % as noted on the promissory note. As i was seeking a refinance or interest rate reduction, in XXXX XXXX I learned that the loan had almost the same payoff as the amount borrowed ( {$100000.00} vs payoff of {$99000.00} ). As I further investigated, I learned this loan was changed to a home equity loan/interest only loan from the Wells Fargo representative XXXX No principal had been applied to my account from XXXX thru XXXX. My family hired a realestate attorney ( XXXX XXXX XXXX XXXX ) and as they begin to pursue. Wells Fargo could not even locate the original closing documents as requested by attorney. 

I made several attempts to save this house and no agreement was offered by Wells Fargo, as time progressed fees ( that I was asking XXXX to forgive ) as well as my interest be credited back was not considered. 

This loan was mishandled by XXXX as it was originally a 30 year mortgage loan with principal and interest and changed to a home equity /interest only loan without my consent. I had to walk away from this home due to foreclosing procedures and lived in apartments from XXXX until recently when I could apply for FHA mortgage again
Consumer complaint received 2022-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have contacted Transunion regarding this date in early XX/XX/2022. Sent my paid in full letter and dispute letter. To dispute a XXXX XXXX account reporting on my report. I contacted XXXX XXXX XXXX was sent another later to confirm paid. I received the report stating its verified valid. I contacted Transunion again in XXXX sent them the paid in full letter again and gave them direct contact information of whom the debt was sold to and paid to. Again, keeps coming back even with the paid in full letter. This should have been removed from my credit report this debt has been paid and its been 2yrs and Im still dealing with getting this off my report.
Consumer complaint received 2022-10-06
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. (NC)

In accordance with the Fair act XXXX Account number XXXX and XXXX, the 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-24
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. (IN)

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these inquires.
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (VA)

In XX/XX/2022 a fraudulent company charged {$6500.00} dollars in my Chase XXXX in XXXX separate transactions. The company nodepro.Io does not exist, I disputed the charges and Chase initially reversed them in XXXX. In XXXX Chase recharged my card for XXXX indicating the hacker provided receipts which were falsified and Were purchases I had never heard of for a downloadable software product. I re-opened the claim XXXX times and each tune Chase upheld the XXXX but the vendor hacker did not dispute the {$290.00} charge. They provided my IP address and falsified receipts. Chase took the lies of a criminal over their loyal customer. The receipts were lies with fake information. Chase has lied to me, hung up on me, transferred me around and am out {$6300.00}. I am so frustrated and they have believed criminals over trusted customers.
Consumer complaint received 2022-06-24
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. (AL)

In accordance with the fair credit reporting and XXXX  account 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 602 A SECTION 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-09
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)

The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items to be updated as soon as possible for they are greatly harming my credit. 
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 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IL)

ERC received a 609 Letter on XX/XX/XXXX with USPS certified tracking number XXXX. Provided no response as requested. 

ERC received a Follow up Letter on XX/XX/XXXX with USPS certified tracking number XXXX. 

ERC Provided no Response as requested. Failed to delete account XXXX as no documentation was provided. 

As ERC is in violation of the Law, ERC is subject to a fine of {$1000.00}
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WI)

These are not my inquiries. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MI)

My credit score went down XXXX points on XX/XX/XXXX for no reason. I need someone to investigate this as it is unfair and unjust. Only thing I can see is the high balance from synchrony bank states a balance of {$5000.00} from XXXX to XXXX and that is not the case as I only owe {$230.00} and made payments monthly.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I just checked my Experian Status and noticed there was a new name associated with my account that may have been linked to previous house we owned in XXXX, NV. 
I am not this person and would ike to have them removed from my Credit Report / History. 

Please advise how I can correct this with the Credit Reporting Companies.
Consumer complaint received 2018-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (AL)

I just checked my credit report and XXXX XXXX have four accounts listed on my credit report from XXXX XXXX XXXX XXXX XXXXXXXXi have never have a contract with these companies. i did not receive anything in the mail saying I have a right to dispute this debt. This company hold four accounts with my name social security number address date of birth without my permission which is identity theft.They bought these accounts from another collection company. This company needs to delete my personal information out the database.
Consumer complaint received 2022-06-24
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. (OH)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Creditor Name XXXX XXXX XXXX Account No. 
XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Responsibility Individual Condition Derogatory Original Balance {$370.00} Balance {$370.00} Date Opened XX/XX/2022 Date Reported XX/XX/2022 Remarks Account information disputed by consumer, meets FCRA requirements fraud account need to be removed off credit report profile
Consumer complaint received 2018-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

I believe Wells Fargo has misapplied my principal payments on my account. I signed up for the bi-weekly payment option to pay half my mortgage payment every other week. In addition, when I signed up for this service, there was an option to apply an additional amount to the principal that would be divided into two equal payments ( per the online disclosure confirmation ). Wells Fargo did disclose that any partial payments would be held in a suspense or unapplied account until a full contractual payment is received, which was fully disclosed and appropriate. However, it did not disclose that any principal payments would be held in the same manner. As a matter of fact, the online Transfer Confirmation discloses when the transaction will take affect and states that a recurring payment that falls on a business day will take effect the same day. If a recurring payment falls on a non-business day or holiday, it will take effect the next available business day. Therefore, these principal payments should be applied when they are received every 14 days. Currently these principal payments are being applied the same day the full contractual payment is received. I have attached further explanation and documentation to support this unfair practice. Please advise.
Consumer complaint received 2018-08-26
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (FL)

I have a closed Walmart credit card i opened in XXXX of XXXX and it was charged off in XXXX.and sold to XXXX XXXX  which i paid. But this account was updated in XX/XX/XXXX which it shouldn't .since it hasn't been active in 6 going on 7 years, The Walmart credit should be deleted off my report.
Consumer complaint received 2022-10-06
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. (CA)

XXXX 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. 

Account name : XXXX XXXX Acct # XXXX Acct # XXXX Acct XXXX XXXX Acct # XXXX LENDING XXXX Acct XXXX XXXX XXXX BANK Acct # XXXX Acct # XXXX FINANCE Acct # All Accounts associated with this company/ XXXX XXXX XXXX XXXX  - All accounts listed with this company. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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-XXXX ( A ) ( XXXX ) 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 2022-09-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC (IN)

Hi i was getting back to the debt i had to pay which is {$630.00} from my XXXX account. I would not be able to pay that right now because i am not working so i would have to hold off on that for a minute until im working and have a chance to pay it but i dont know why i have to pay it because people was sending me money i think last year so then they start requesting the money back like months ago then not to long ago they cancel the request from me
Consumer complaint received 2018-08-26
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)

Good evening, Please delete the XXXX account from my credit report. All the information displayed on all 3 reports is different. The company address does not match on each credit. In some cases the address does not match the company. The comments are different and the dates listed are different. As well the amounts listed are different. How does the information come back as verified if all the information is different on all reports. What is being verified? The information has been disputed several times.
Consumer complaint received 2018-08-26
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: STERLING JEWELERS, INC. (LA)

This is a minor issue as this account is scheduled to fall off my report next year. XXXX XXXX XXXX company no longer has a vested interest in this account as it has been charged off and sold to a collection agency. Im respectfully asking them to remove this closed account from the three credit reporting agencies.