davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo reported to XXXX that my mortgage was foreclosed on in 2014, But it was not foreclosed on. I am trying to close on a house and this has stopped my closing as i ca n't get a mortgage with this error on my credit report. They have aknowledged that this is an error and they would send a letter correcting this to me for closing and XXXX to correct the error. The letter never came and they say they are sending it over and it is thier system but it does not come
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NJ)

On XXXX XXXX, 2015 I sent documentation to Equifax disputing Unauthorized Credit Inquiries, Removal of Outdated Information, and accounts that do n't belong to me. The documentation was sent certified in which Equifax signed for on XXXX XXXX, 2015. I did not receive any response from them in reference to my request which on XXXX XXXX, 2015 I sent them another letter advising them that thirty days have passed and they did not provide me with any information that I requested. I also advised them that in accordance with s.1629e ( 8 ) of the Debt Collection Practices Act, which clearly states that any information known to be false, can not be reported to any credit bureau, I requested that they immediately delete the information from my report. As of this XXXX day of XXXX 2015. I have not received any documentation from them in regards to any of my requests.
Consumer complaint received 2022-09-10
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: LEXISNEXIS (IL)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

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

According to : 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 According to : 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 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

Equifax Information Services , LLC is purposely violating FDCPA, section 809 and FCRA 611 ( a ) rule and illegally reporting inaccurate and incorrect negative information on my credit report damaging my credit score. The company fails to delete a debt and fails to not report a debt that is not mine. I responded with a deletion of debt request and sent in personal verification information to verify I am not the individual whom owns the debt. Despite the removal of incorrect account information. The company continues to damage my credit score and profile by reporting the same negative information. Furthermore, Equifax is in violation of 611 ( a ) ( 5 ) ( A ) ( 1 ) by not having the original paperwork to verify the validity and accuracy before reporting negative information on my credit profile knowing the negative impact it would cause. These illegal practices are n't acceptable.
Consumer complaint received 2022-09-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gurstel Law Firm, P.C. (AZ)

On XX/XX/2022 I was served paperwork that a case was filed against my spouse and I in court. 
XXXX XXXX and the lawyer representing them should be fined. 
At no time prior to this case being filed were we notified of any alleged debt. We did not receive any written or verbal messages to the fact so we could have disputed this and asked for debt verification. Our rights were violated under Regulation F 12 CFR Part 1006.

From the onset prior to being served there was no communication from XXXX Gurstel Law Firm or XXXX XXXX of any alleged debt bought from a debt buyer allowing us to be able to dispute and ask for validation. 

Case should be immediately removed from Arizona court and never to be able to sue me again or my named spouse on court case.
Consumer complaint received 2022-09-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Karma (NC)

I was pre-approved for {$1500.00} on CreditKarma.com and so was my husband from XXXX XXXX. We already had a title loan with XXXX XXXX. This was not XXXX XXXX 's fault. It was Credit Karma. It said we both were pre-approved and we applied and got denied and our credit score went down.
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (CA)

Dear CFPB, This is my second time submitting this information. After about 7 months of dealing with ID theft I had requested removal of the fraud alert on the Equifax file and enclosed all the required documents, which Equifax indicated were needed as described in their original correspondence with me when the alert was put on the file. I received an acknowledgment in the mail but they left the fraud alert which is exactly opposite to that which I had legally request. I 'm attaching the documents which were provided and request for the fourth time that they remove the alert. Do I need to ask a federal judge to make them listen?
Consumer complaint received 2022-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc (LA)

We entered into Loss Mitigation with our Mortgage company. Our documents were due on XX/XX/XXXX. We overnighted all documents and have proof of receipt. We never heard back from the mortgage company about receiving any documents so on XX/XX/XXXX we called to make sure everything was done. We were initially told that they received nothing and they sent us a declined letter on XX/XX/XXXX we pointed out that we had a signature that our paperwork was received. After putting us on hold they found who signed for the paperwork, said they must have put it somewhere and assured us they were going to get everything in order, let us know if they needed any additional information within 3-5 days, then a decision would be made within 30 days. On XX/XX/XXXX after not hearing anything for over 60 days we made contact to get some sort of an update. We waited until XXXX in the XXXX  for someone with the loss mitigation team to reach us and mid call, the worker hung up and never reached back. When we tried to call back we were told the loss mitigation team was gone for the day and they would return our call.. the representative we talked to also told us that in the system the paperwork looks like it was never received, the only thing in there was the declination from XX/XX/XXXX and we will have to start the entire process over with new documents and information. We sent them over 150 pages of information that they needed and they neglected to do their end. Its the afternoon of XX/XX/XXXX and we have still yet to hear from anyone.
Consumer complaint received 2021-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MN)

I completed a mobile deposit for my USBank personal checking from my XXXX XXXX XXXX bank account. The check was deposited on XX/XX/2021 after work hours. The funds were released and debited from my XXXX XXXX XXXX account on XX/XX/2021, and I have screenshots for the proof of release of the funds. I have been a loyal customer of USBank for over 20 years. The check was over {$25000.00}, and only {$220.00} was released to be available for me. The branch location is very unresponsive, and there is no agent help. The number published ( XXXX ) XXXX indicates to call the USBank 24 hour customer service due to Covid -19 the branch is not taking calls. And if you call that number again, it puts you on hold and then disconnects. This location is at XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. The USBank 24 hour services customer service number kept refereeing me to work it out with my branch since the branch put a hold on my check, Each time I spoke to an agent for the 24-hour service and asked why my check was held up when it was released from Ideal Credit Union as of XX/XX/2021, I kept getting confusing answers such as Regulation CC, some times the agent would tell me it's the mobile deposit policy for USBank. Yet Regulation CC states that I should have at least received {$5000.00} accessible right away. The reason for this big check was for debt consolidation to pay off the high-interest cards with USBank, especially the credit line that accrues interest daily. USBank held on to my funds that the XXXX XXXX XXXX released on XX/XX/2021. The branch near me that I usually go to, and I live close to this branch, tried to help me, but since my home branch imposed a hold, they could not help me at all. What is most frustrating is that " home branch '' I have not lived in that zip code for over 19 years!! Yet, I can not move my location to another branch since my account was originally opened up in that location. I feel like I am being held hostage at this useless branch that I never visit at all. I tried several times to call this useless branch at XXXX XXXX XXXX , XXXX XXXX, MN XXXX, and there is no live agent to assist. My funds are being held when my name is not on the XXXX list, nor has it ever been involved in any fraudulent activity. USBank needs to be held accountable for holding my funds under a false pretense of Regulation CC or whatever their internal mobile policy is.
Consumer complaint received 2021-08-04
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. (TX)

I have disputed these items on several occasions and no one at any of these credit bureaus are responding back and they can no longer say that they are short staffed. Please have these credit bureaus to do their job and have these derogatory items deleted immediately.. This has caused me not to be approved for my mortgage. 

XXXX  XXXXUnverified account- Delete immediately XXXX XXXX  XXXX Unverified account- Delete immediately XXXX- XXXX-Unverified Account- Delete immediately XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX XX/XX/XXXX
Consumer complaint received 2022-09-11
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. (NY)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX  XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX have violated my consumer rights.

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NY)

Attached please find the paper trail with numerous FCRA violations from both XXXX AND Equifax Credit Bureau 1.XX/XX/2016 Sent a letter to XXXX to validate a XXXX loan, receipt dated XX/XX/XXXX. No response. 
2.XX/XX/2016 Pulled Credit Reports, none marked disputed within 30 days per FCRA requirement. 
3.XX/XX/2016 delivered another letter to XXXX to delete negative credit info since validation of information was not received or dispute marked on Credit Bureau within XXXX days. Received Nothing in response. 
4. XX/XX/2016 Disputed information online to Equifax via mail to XXXX, XXXX XXXX. XXXX AND XXXX both deleted negative file reporting. 
5. XX/XX/2016 Noted that investigation was not complete after 31 days as required by FCRA. ( Please NOTE Date time stamp of dispute status # XXXX ) XX/XX/2016 Letter to Equifax received requesting Negative Credit Reporting be removed due to non compliance of FCRA. 
Sometime in XX/XX/XXXX a pdf file was available for download stating account had been " verifie '' Account balance updated etc. 
NOT ONCE did I receive any documentation that this account was indeed mine. I had several other student loans never once any from XXXX. I STILL have no proof either from creditor OR Equifax showing this account was MINE or that the reported credit information was reported accurately. The next step is to file suit against BOTH XXXX AND Equifax for multiple FCRA violations. In addition, I understand that XXXX had several violations and a settlement to the government of payments are forthcoming ( Also attached XXXX. IF any is passed to consumer, this would be a valid claim.
Consumer complaint received 2022-09-10
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 ( FCRA ) -- > XXXX XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX have violated my consumer rights. 

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TN)

XXXX - THE MONEY SOURCE wrote me a letter on XX/XX/22 saying that the insurance coverage they ordered on behalf of my property at XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA. XXXX has been cancelled. They requested that my insurance agent provide proof of insurance. Then they followed up with another letter requesting me to provide proof of hazard insurance. Because my insurance was impounded with my mortgage. I contacted my insurance company - XXXX XXXX XXXX XXXX. Both of us got on the phone with XXXX. During the phone conversation, we found out that XXXX mistakenly sent the insurance payment for XXXX XXXX XXXX to the wrong property XXXX XXXX XXXX. As we were researching on this, we found another error that the previous payment was made to yet another wrong property- XXXX XXXX XXXX st. XXXX XXXX CA XXXX. 
At this point, the operator we were speaking to hung up. We couldn't figure out how this company carelessly picked up these other properties which belonged to me but was with other Lenders and was making insurance payments on them instead of the XXXX property they were supposed to make payment on. 

Later on I found out that instead of correcting their error they put the overage on me. 

I have called them and informed them to correct their error. Contact the lenders of the properties they mistakenly paid my insurance to by error and fix their mistake instead of trying to make me responsible for their mistake.
Consumer complaint received 2022-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Experian Information Solutions Inc. (GA)

Experian is reporting inaccurate data on my credit report, stating that I was late XXXX, XXXX and XXXX of XXXX. I was not late, for the year of XXXX and the credit bureau is reporting that my accounts is saying ok, ok, ok starting from XXXX all the way up until XXXX, but XXXX, XXXX, and XXXX it states 90 days late 120 days late and 120 days late, what happened to XXXX and 60 days late if I was really late. I was in a repayment plan. I signed up to renew my repayment plan in XX/XX/XXXX which covered the entire year of XXXX. After speaking to someone about this issue, no one has been able to provide me any documented proof about these so called late payments. Therefore, remove these late payments immediately or there will be a lawsuit against the credit bureaus for fraud. They even defraud my information listed on these accounts by not showing all the information from XXXX and up, like they did from previous documents that they sent me. They make it appear that those late payments started in XXXX, but and are claiming that they don't have any information from XXXX to XXXX.
Consumer complaint received 2022-04-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: HANCOCK WHITNEY BANK (LA)

MY DECEASED FATHER TOOK OUT A LOAN WITH HIS BANK ( HANCOCK WHITNEY BANK ) FOR OVER {$120000.00} WITH A PENDING BALANCE NOW OF APPROXIMATELY {$110000.00}. MY FATHER PASSED IN XXXX IN WHICH I LEARNED HE LISTED OUR HOME AS COLLATERAL. HANCOCK WHITNEY BANK ISSUED A NOTICE OF XXXX ( ATTACHED ) THROUGH THE STATE OF LOUISIANA, SHERIFF, PARISH OF XXXX IN XX/XX/XXXX FOR MY DECEASED FATHER 'S HOME IN WHICH I RESIDES ALONG WITH MY XXXX UNCLE. WE HAD BEEN LIVING WITH MY FATHER ALL OUR LIVES AND NOW IS UNABLE TO STOP XXXX OF OUR HOME. XXXX XXXX SEIZED MY FATHER 'S ENTIRE BANK ACCOUNT WHICH INCLUDED OVER {$11000.00} INSURANCE CLAIM MONEY FOR REPAIRS FROM HURRICANE XXXX, RETIREMENT PENSION OF APPROX. {$4000.00} PLUS ADDITIONAL MONEY. I HAD TO USE BORROWED MONEY AND OTHER FUNDS IN ORDER TO PAY FOR SOME EMERGENCY REPAIRS AS XXXX EXHAUSTED ACCOUNT WHEN INSURANCE REPAIRS MONEY WAS DEPOSITED. AFTER XXXX BANK SEIZED FUNDS, I WAS UNDER THE IMPRESSION THAT LOAN WAS PAID UP TO DATE AND THERE WAS NO PENDING FEES. MY FATHER DID NOT LEAVE A WILL AND SUCCESSION PROCESS IS STILL PENDING. WE HAVE NOWHERE ELSE TO GO AND MY UNDERSTANDING OF THIS ISSUE IS LIMITED. PLEASE HELP
Consumer complaint received 2022-07-20
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. (PA)

Upon reviewing my dispute results received from Equifax who claimed they verified and updated the account disputed, I see that they continue to update the account outstandingly inaccurate and incomplete after having multiple opportunities to comply with the FCRA. 

Equifax states the information provided to determine the accuracy and completeness came from the original creditor, however Equifax is reporting different information than the original creditor. Equifax last payment date does not match the last payment date XXXX XXXX  reported to equifax. Equifax failed to provide complete information such as high credit, scheduled payment amount, etc even though XXXX XXXX  provided Equifax with that information as seen on the dispute results. Equifax reports XXXX XXXX  as charged off but failed to provide the account closed date. 

Also, Equifax failed to prevent inaccurate reporting by XXXX XXXX  : If my last payment date was XX/XX/2021 ( which is incorrect ) setting my balance to {$2200.00} then why is the balance now {$2200.00}? Nothing has changed. That triggers the high credit to change from {$3500.00} to {$3500.00} which again is incorrect. 

Equifax has violated several laws listed below : 15 usc section 1681 e ( b ) : 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.

15 usc section 1681 i ( a ) ; If ANY information disputed is found inaccurate and incomplete the consumer reporting agency must update or delete items disputed 15 usc section 1681s-2 ( b ) requires the credit reporting agency to examine sufficient evidence to determine whether the disputed information is accurate.

15 usc section i ( b ) ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description by not later than 15 days In addition, I have the right to privacy according to 15 usc section 602A.
Consumer complaint received 2016-12-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/1976 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} AUTO {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XXXX Late Dates : XXXX, XXXX, XXXX N/A XXXX XXXX -- / -- XXXX {$100.00} COLL {$100.00} - {$100.00} - - - COL N/A XXXX XXXX -- / -- XXXX {$210.00} COLL {$210.00} - {$210.00} - - - COLL XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} COLL {$660.00} - {$660.00} - - - COLLECTION XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/1976 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX