davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
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. (PA)

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX/ $ XXXX XX/XX/XXXX XXXX  SELF REPORTED XXXX $ XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XX/XX/XXXX XXXX  XXXX XXXX $ XXXX XXXX XXXX  XXXX $ XXXX XX/XX/XXXX XXXX XXXX- XXXX $ XXXX XXXX XXXX XXXXXXXX $ XXXX XX/XX/XXXX XXXX XXXX  XXXX $ XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Consumer complaint received 2022-04-18
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)

In 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have to 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 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 ) : also states that 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 2021-11-09
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: Mr. Cooper Group Inc. (MI)

To XXXX XXXX of Mr. COOPER and calls answered by night as Nation star and that you responded to my complaint of loan no. XXXX in an email dated XX/XX/21 at XXXX unfairly to me. First, prior to our phone discussion that I had already called your company several times and by giving my identifiers to them about my loan above. They all confirmed it was my loan but said that there were no property attached. Then I spoke to you whom promised to research and provide details from the papers I faxed to you and please share those papers with the CFPB. After you received my papers and I called everyone started saying the loan number did not exist in your system. Then you sent to me, BELOW, Hi XXXX, This document explains that prop was purchased in another name of another through XXXX XXXX. 

I would call XXXX XXXX as we no longer have anything to do with this loan. 

Mr. XXXX you promised me to be straight and honest with me about the Fraud you now know is exactly what your looking at and trying to conceal it. I demand that you reveal all factual evidence to the CFPB so that they can deal with you.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern : I recently sent you a request to reinvestigate incorrect items which you reported to the credit agencies. You ignored my request. 

Federal law requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days and the items remain on my report : XXXX  XXXX XXXX I will assume that I have not received your reply because you have been unable to verify this information. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NY)

I am stated to owe my discover card over XXXX which was not my fault, when I called customer service on XX/XX/2021 i had stated that i have made an XXXX dollar payment towards my card. then i has notcied a day after my limit was reached. I had called and made sure that my payment was processed and was wondering I was at my limit. A week and a half goes by and Im at my limit again so I cant Im OK I get paid every two weeks and I just put {$1000.00} payment which was my check at that time into the card. then I was told that I didnt have enough money in my debit cards account and it was sent back. I have never received that money back. I stated to another customer service representative my issue they investigated it and said yeah that doesnt make sense since. then they have closed my account stating that Ive committed credit bureau fraud when I havent done anything wrong. when I called the board to say if I committed this XXXX is my money or why dont I have my money I get no reply except for I dont know the board directors have canceled your card and now I can not pick up my credit score.
Consumer complaint received 2022-04-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: URS Holding, LLC (CA)

XXXX XXXX utilizes a third party collection company known as AllTran Financial based in XXXX, Texas. AllTran financial represents to the credit card debtor that making a monthly payment to retire the entire balance due would stop any collection action and allow the credit card to be reissued after the balance is paid in full. The debt collector fails to inform the consumer that the " Charge Off '' reported by XXXX XXXX will be reported each and every month you make a timely payment. The explanation by the debt collector is that each time you make a payment it reduces your balance by that amount and they report the new updated balance of the " Charge Off ''. What they fail to further disclose is that a negative payment reported as " Charge Off '' will be reported. My financial arrangement was put in place over 17 months ago and now instead of a reporting to third party credit bureaus as 1 charge off payment the negative history on the account is actually worse than when I entered into the repayment plan. This is false, deceptive and misleading to the consumer. They should not be allowed to report any further negative credit if payment arrangements are being made timely as agreed to with the debtor. I hope that CFPB reviews this matter as it is obvious the financial arrangement between the parties is not being represented properly and XXXX XXXX is using a third party to avoid the regular banking rules and laws established by the United States Government.
Consumer complaint received 2021-11-09
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: WELLS FARGO & COMPANY (MI)

To XXXX XXXX of XXXX XXXX and calls answered by night as XXXX XXXX  and that you responded to my complaint of loan no. XXXX in an email dated XX/XX/21 at XXXX unfairly to me. First, prior to our phone discussion that I had already called your company several times and by giving my identifiers to them about my loan above. They all confirmed it was my loan but said that there were no property attached. Then I spoke to you whom promised to research and provide details from the papers I faxed to you and please share those papers with the CFPB. After you received my papers and I called everyone started saying the loan number did not exist in your system. Then you sent to me, BELOW, Hi XXXX, This document explains that prop was purchased in another name of another through Wells Fargo. 

I would call Wells Fargo as we no longer have anything to do with this loan. 

Mr. XXXX you promised me to be straight and honest with me about the Fraud you now know is exactly what your looking at and trying to conceal it. I demand that you reveal all factual evidence to the CFPB so that they can deal with you.
Consumer complaint received 2021-08-03
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. (MI)

I have contacted TransUnion numerous time about a bankruptcy that is reporting on my credit report. My initial contact with TransUnion was a dispute to verify this alleged debt that is adversely affecting my credit scores. TransUnion has only reached back out to say that they are refusing to re-investigate my dispute which I have not asked for them to do. I have not asked for my issue to be re-investigated I am asking for the METHOD OF VERIFICATION since they are stating that this debt has been verified.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit Bureaus stated my account was properly investigated and verified. This ADDRESS is fraudulently on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Please send me verification I authorized these : This is ground for removal they violated my rights. 15 U.S.C.1681 section 604 A. Section 2 States a consumer reporting agency can not furnish an account without my written instructions. Also the Credit Bureaus took more 30 days to complete my investigations.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

My name is XXXX XXXX and my XXXX XXXX is XXXX XXXX located at XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Texas XXXX Wells fargo closed my account for no reason at all.i see this as XXXX profiling.banks can not continue to close people 's account and keep saying they have no reason for the closure. This doesn't make any sense to me.even if you have the right to not do business with me anymore for transparency sake I've been doing business with you for long.i deserve to know why you are changing your mind all of a sudden.shouldnt the bank inform people of reasons their accounts are being closed to be able to know how to either remedy the situation for future purpose or tender an explanantion. Wells Fargo put my entire business on hold for no explainable reason and closed my account. For how long are consumers going to keep up with banks in this order. Why is it that consumer protection bureau is not doing anything about this indiscriminate close of account? 
Does this mean that consumers have no option when their accounts are closed.someone will need to look into this and do something about it. 
Wells fargo will need to tell me why they closed my account.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

I have a 30 and 60 day late that show in my personal Credit Report, but this was a Business Credit Card, the problem is that due to the Covid 19 situation, I was not able to comply with my credit obligations at that moment, but never before or after the Balance liquidation program stars, I really hope this can help me to remove this negatives that are the only ones affecting my personal credit, my name is XXXX XXXX Chase CC XXXX, this happened last year 2021, XXXX and XXXX. I was also XXXX  and XXXX with XXXX XXXX XXXX  XXXX  including XXXX.
Consumer complaint received 2021-12-17
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 (NY)

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

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

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

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft SYNCB Account Number : XXXX This is not mine. 

9. XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

experian 1. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

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

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

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft SYNCB Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

transunion 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

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

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

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

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX. 
Account XXXX : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft SYNCB Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-11-09
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. (NY)

REXXXX  Dear CFPB : The company did not remove derogatory information from my credit report based on the creditor pay history documents I provided them. As in the previous 9 disputes, they say the creditors verified the inaccurate information on my credit report is accurate, when the documents they provided to me and I, in turn, provided Equifax prove otherwise. 

Results, more time wasted, nothing done and Im being financially harmed because Equifax has not complied with the FCRA laws. 

BTW : Your portal says that no complaint was ever filed by me. There was no way for me to monitor or respond. 

Thank you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-01-27
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: Navient Solutions, LLC. (DC)

After submitting my initial Complaint ( ID # XXXX ), I reached out to Navient on Monday XX/XX/21 in two separate emails, stating the following : # 1 Im on Social Security and no longer obligated to pay, if delinquent, on a co-signed Student Loan.

Please contact the 3 Credit Bureaus and have Navients ( a private Student Loan lender ) account removed from my file as soon as possible. Im trying to get a refi loan that was denied, I believe, because of Navient. 

Thank you for your expedited movement on this request. 

# 2 SSI payments can not be levied or garnished. Treasury 's Financial Management Service can also offset, or reduce, your Social Security benefits to collect delinquent debts owed to other Federal agencies, such as student loans owed to the Department of Education. ( Navient is a Private Lender ) Generally, debt collectors can't take Social Security or VA benefits directly out of your bank account or prepaid card. 

Their response was : Weve received your inquiry. One of our knowledgeable specialists will review your account and respond shortly. 

There response came to CFPB as a no or rejection, that did not deal with this issue at all. 

Although in submitted Feedback, Im told it would go to Navient, but they are not obligated to response to that form of communication.
Consumer complaint received 2022-03-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX I did not receive any answer from the credit bureau about my disputes. They failed to notate those accounts within 30 days now those accounts are in violation not reporting 100 % accurate. Did not consent to unauthorized inquiry.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was notified by my mom that she had been getting emails about me opening a CapitalOne 360 checking account. It was under my maiden name, XXXX XXXX. I never opened an account, so I called them and they closed it immediately
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Recently, I received copies of my consumer report and noticed many discrepancies with my personal information. I attempted at least twice ( XX/XX/XXXX, XX/XX/XXXX ) to address this matter with each credit reporting agency, but to no avail. My report continues to show incorrect outdated addressees, outdated telephone numbers no longer in use, inaccurate outdated employment history. It is imperative that my personal information be correct and updated to reflect my current address, telephone number and employment.
Consumer complaint received 2021-11-09
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. (MI)

I changed bank accounts and I had set up automatic payments. Somehow the auto payments didn't take out the first month. I didn't even know, I didn't receive anything in the mail or email. I didn't see anything on my banking show me anything different and I was hit with a 30 day late. I tried working this out with XXXX XXXX and they did not care what the situation was. I have never been late with them before or since. This was a fluke on banking. I have since switched back to my regular bank account and wont be switching account any time soon as this was a mess.
Consumer complaint received 2022-10-15
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)

XXXX XXXX # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, ACCOUNT DESCRIPTION, CREDIT LIMIT, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT 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
Consumer complaint received 2021-11-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I mailed a Letter to Remove Inaccurate Credit Information : on XX/XX/XXXX never received a response so I sent another letter on XX/XX/2021 i never received any information from the credit bureau in reference to the investigation. They continue to update my account but i have been notified by the collector that the account was reported in error and should no longer be reported on my credit file but i still have not been contacted by Equifax.
Consumer complaint received 2022-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

The reason that I am writing its because I received a letter with some amount, that they said that I owe, and its because they add more people to my insurance policy with out telling me, or if they did, I never said it was ok to add those person and thats why my policy went up, any question I am free to answer Thank you