davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
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: Experian Information Solutions Inc. (VA)

Submitted numerous disputes for late payments to be removed due to natural disaster ( covid ). 30 days has passed and I didnt hear anything from the company involved XXXX XXXX or any of the credit companies. Late payments were for XXXX. Disputed late payments and Ive contacted the XXXX XXXX XXXX and still no response
Consumer complaint received 2017-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NC)

My name is I contacted anyone and everyone that would listen. But Caliber homes loan employees are unable unwilling or just to disconnected with your customers. The Refi process has been one of the worst experience. My credit score was dropped because of this company inability to understand whats going on under its own roof. No fault of mine, much to the contrast I contacted several employees at Caliber warning that if they did n't get in front of reporting a late payment that in fact was not late but in fact the loan was paid off that there system is going to report and it will make my life way harder then it already is. I do n't understand how this could happen, even if I was n't calling it out before it happen but the fact that I did repeatedly is just unacceptable. 
Please contact me Thanks Thanks for getting back with XXXX I believe that XXXX is the voice to advance this into a bill. Way to many good hard working Americans get hurt every day over false reporting. Then it 's up to the victim to try and get it repaired. So even if the victim gets it removed shows all the other creditors the explanation letter from the source of this false reporting. Keeps his other creditors from raising there rates. This will still show as a dip in the credit score since it grades are based on past and present scores. Please consider this to be on the agenda for XXXX I know he can champion this, for the working class people of this great country. Many of us do n't know what to do if this happens or even knows if it happens do n't have the time or know how to try and fix it. It seems like a company such as a Bank or other leading institution should play a greater part. A simple letter of correction should not be all. The reasons we give fines is to keep people in check I believe that the thousands of silent victims will agree that its costly seemingly non-endings and take a great toll on the person physical well being. I myself have lost hair, sleep i 'm distracted at work home while driving Thank you for being our voice XXXX and Thank you for your hard work XXXX 
Sincerely
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report, and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY (MN)

I closed my checking account with TD bank in XX/XX/XXXX with a XXXX balance, and no outstanding balance. I received a charge off notice from TD bank in XXXX, XXXX for the amount of {$49.00}. When I called the recovery department, they stated the amount was due to maintenance fees for the account for the past couple mod months and refused to waive this erroneous fee. I called the local branch on XXXX XXXX. In XXXX, MA and spoke with XXXX and she said she would waive it, however when I called collections back several months later, the outstanding balance was not waived. When trying to get to the bottom of this issue, I was treated very poorly by the collections staff and even was hung up on by their staff. Per TD bank, all of these calls were recorded by them, so please take a listen for yourself how the staff interacted with my requests for help. I find this fraudulent fee-charging and abusive treatment by TD bank to be reprehensible. Please help, I really would rather devote my limited time to taking care of patients in the hospital during these times, not being mistreated by bank staff.
Consumer complaint received 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Submitted numerous disputes for late payments to be removed due to natural disaster ( covid ). 30 days has passed and I didnt hear anything from the company involved XXXX XXXX or any of the credit companies. Late payments were for XXXX. Disputed late payments and Ive contacted the XXXX XXXX XXXX  and still no response
Consumer complaint received 2015-07-27
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (NC)

I have a credit card debt with Wells Fargo that I have been trying to pay off for at least the past 3 years. Last year in XXXX of 2014 they gave me a break & stopped charging me intrest on the account due to financial difficulty & I was able to make regular payments on time. However it was only for a year. Now they have added they have added the intrest payments back which doubles the amount I have to pay, on top of which the account is closed/cancelled so I can no longer use the card. For the past few months I have been charged intrest on cash advances & purchases I ca n't make. I also have no way of making payments to the principle credit card debt. How am I suppose to pay the debt off????
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 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 this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$9300.00}
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX Balance : {$5000.00}
Consumer complaint received 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please take the time to help me get this matter resolved with errors reporting on my credit report. I have tried to get these issues resolved on many different occasions. There is 2 trade-ins reporting ; one has an incorrect late status and the other account does not belong to me. Here are the list of inaccurate items : Incorrect Name Spelling : XXXX, XXXX Incorrect Address : XXXX XXXX XXXXXXXX anXXXX XXXX XXXX  number XXXX XXXX XXXX XXXX  is reporting an incorrect late status of 90 and 120 days late in XXXX & XX/XX/2019 The XXXX XXXX account is not my account ; it is showing chargeoff and I have never opened this account.
Consumer complaint received 2015-08-18
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (MD)

My mortgage company denied my hazard insurance payment and purchased homeowner 's insurance for me at a premium rate. My mortgage company does not escrow my homeowner 's insurance and the banks actions may be an attempt to hold my insurance in escrow. I recently moved to a new home ( three years ago ) and I had no problem paying my homeowner 's insurance the first two years in my new home.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

FCRA 623 ( b ) ( 1 ) ( D ) mandates that if the results of a dispute lead to the determination that information is inaccurate, then the furnisher must report the correction or deletion to all CRAs to which the information has also been reported. Update or deletion with only the CRA that is handling the dispute is not adequate.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-02-10
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. (GA)

Please take the time to help me get this matter resolved with errors reporting on my credit report. I have tried to get these issues resolved on many different occasions. There is 2 trade-ins reporting ; one has an incorrect late status and the other account does not belong to me. Here are the list of inaccurate items : Incorrect Name Spelling : XXXX, XXXX Incorrect Address : XXXX  XXXX XXXX and wrong street number XXXX XXXX XXXX XXXX is reporting an incorrect late status of 90 and 120 days late in XXXX & XX/XX/2019 The XXXX XXXX account is not my account ; it is showing chargeoff and I have never opened this account.
Consumer complaint received 2017-08-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST MORTGAGE COMPANY (NM)

I am the seller of a {$470000.00} home. I was scheduled to close on this sale the morning of XX/XX/XXXX at XXXX XXXX. At XXXX XXXX on XX/XX/XXXX, I was informed that the buyer 's mortgage company, First Mortgage Company, was merging with XXXX XXXX, a lawsuit blocking the merger had been filed and First Mortgage Company 's funds had been frozen as a result of this lawsuit. Consequently, the closing of the sale of my home was delayed indefinitely.
I sent a letter to XXXX XXXX, the CEO of First Mortgage Company, explaining and documenting that each day my closing was delayed cost me {$160.00} in mortgage interest, property taxes, utilities and insurance. XXXX XXXX was not accepting either emails or telephone calls. I sent the letter of complaint to XXXX XXXX, the Manager of Loan Administration, who said she would forward it to XXXX XXXX I have not received any reply.
I explained in my letter to XXXX XXXX that First Mortgage Company 's merger plans notwithstanding, I should not have to bear the financial burden of their malfeasance. I had a fixed closing date, I made commitments to my creditors based on that assurance, and to have it summarily cancelled with one day 's notice and no compensation is unacceptable.
We have since closed on the property onXX/XX/XXXX, 9 days late, and I am out {$1500.00} as a result of First Mortgage 's mishandled merger.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXXAccount Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2020-07-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (MA)

To whom it may concern, I would like to report a complaint against Convergent Outsourcing for not following with their promise to remove a collection item from XXXX  and or all Credit Reports. 

This account was paid in full on XXXX of XXXX in the amount of {$260.00}, before processing the payment of the entire balance. Myself and Convergent Outsourcing had agreed that once the account was paid in full, Convergent Outsourcing will then remove the collection items from all credit reports : XXXX, XXXX  and XXXX. 

The collection item was successfully removed from XXXX  and XXXX  around XXXX, XXXX & XXXX of XXXX. However the collection item is still present on XXXX. 

I have reached out to Convergent Outsourcing multiples and spoken to several employees that have promised me the removal of this item. I have been calling Convergent Outsourcing consistently since the XXXX of this year and have followed up every month checking in for an update. 

I lastly spoke with them on XX/XX/XXXX and they promised me that this situation was going to be resolved and the removal of the collection item, which is hurting my credit score. Today I received an update from XXXX  regarding my dispute of this item without any success. As you can imagine, I am simply looking to get this matter resolved and the removal of the collection item as agreed with Convergent Outsourcing.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
XXXX - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the XXXX XXXX compliance standards. 
Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Listed below are the Inquiries that are being challenged XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2020-07-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Remove the fraudulent accounts from my credit report now! Other bureaus fixed it, and the creditors agreed, but yours is causing damage to my credit. Investigate and fix it immediately, or I'll take legal action. Give me written confirmation once it's done no delays! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Hello, my name is and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2024-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

Fix my credit now or face legal action! I've told you multiple times to remove the false information from my credit report, but you're ignoring me. You're breaking the law by not investigating and fixing the inaccuracies as required by the Fair Credit Reporting Act. This is your final warning comply or get ready to be sued in my county. Your unprofessionalism is disgusting, and I'll make sure to exercise my rights under the FCRA to the fullest extent.
Consumer complaint received 2020-07-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (MN)

I am writing because I recently reviewed my consumer report, and I don't know what is going on, but I have no knowledge nor opened these XXXX credit inquires on my Equifax report. I sent in a letter to Equifax with certified mail and still have not heard back or gotten any proof that I requested. Can you please help me. Dates are below and evidence. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}