davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

These accounts should be excluded from my credit report and you are in violation of 15 USC 1681a ( 2 ) ( b ). Pursuant to 15 USC 1681a ( 2 ) ( b ), any authorization of a specific extension of credit indirectly by the issuer of a credit card or similar device. I authorized these companies to extend me my credit back to me by issuing my credit card, which is my social security card pursuant to 1602 ( l ). You are also in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) because you are reporting information about transactions between me the consumer and a person making the report which should be excluded from my consumer report. So these accounts should be excluded from my credit report under federal law. I demand that these accounts be deleted from my credit report immediately since I am a federally protected consumer under title 15 chapter 41.
Consumer complaint received 2024-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Pentagon Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX Acct # XXXX To whom It XXXX Concern. 
I'm reaching out because all three Credit bureau XXXX is helping Pentagon Federal Credit Union put incorrect information relating to my credit report. 

The IRS considers a charge-off to be income, either as gross or ordinary income. Income that doesn't belong on a credit report, so this information on my report is inaccurate. 
By IRS rules, any cancelled debt or charge-offs is classified as income. Reporting this debt is incorrect or could be called Tax fraud. 
According to USC1681s-2 ( Pentagon Federal Credit Union Acct XXXX XXXX ) as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate information. I'm requesting that you delete this immediately from my credit reports. 
XXXX*USC 1681s-2 ( a ) ( 1 ) ( A ) ** A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notice, that specific information is inaccurate and ; the information is in fact inaccurate ''.. 
In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency Please delete this incorrect information from my credit report Thank You
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (MD)

I have attempted to reach out to Wells Fargo on several occasions over the past month to resolve issues with my account. Each time I contacted Wells Fargo I had to provide/answer many identifiying questions including and not limited to social security number, date of birth, address, telephone numbers, work number, credit card number, credit secuirty code. I made Wells Fargo aware that I can not remeber any verbal password I provided and want this feature removed from my account since I do not recall giving a verbal password and do not want to use this feature ... To date Wells Fargo has refused to take any calls and allow me to use the account. 

Wells Fargo has refused to remove or allow me to change the verbal password and refusing to resolve the verbal password issue thus delaying use of my account. 

I believe Wells Fargo engaging in this deceptive discrimintory practice to avoid allowing customer to negoiate payments during the pandemic. I want the CFPB to enact and pass laws that allows consumer to opt out of using verbal passwords and prevent Wells Fargo from using this feature to block consumer from using and accessing account information.
Consumer complaint received 2020-11-24
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: Experian Information Solutions Inc. (PA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a Secured Master Card with Capital One and received a letter which said " Dear XXXX XXXX, congratulations! You've been approved for a Secured Master Card from Capital One with a credit line of {$200.00}. We're excited to get your card to you. All we need is the required security deposit of {$49.00}, which is due by XX/XX/2020 '' which I paid on XX/XX/2020 using my debit card with XXXX XXXX XXXX. I have the proof of payment which I can not upload because my printer stopped working, but would be glad to mail to CFPB. Capital One letter also stated " if you've paid your deposit, thanks. you should receive your card within the next two or three weeks ''. But three weeks passed and no card was received by me, so I called on XXXX XXXX., 2020 to cancel and to get a refund of my {$49.00}. I was told a check had been mailed to me from Capital One in Virginia on XXXX XXXX, 2020. However, today is XXXX XXXX, 2020 and I still have NOT received the check. I am therefore appealing to CFPB fpr help.
Consumer complaint received 2020-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (MO)

This {$640.00}. amount in collections from a past rental lease in 2015 was never owed. 
I lost my job in XXXX. The lease, when terminated, was current. The apartment complex kept the full security deposit. When vacating the apartment, the manager said I was paid in full. The check-out form was signed by myself and the apartment manger. This form was kept by the apartment complex. I have asked RentDebt for a copy of the final form and they have refused to comply with my request. 
The debt is not and was never owed. 
This collection amount should be removed immediately from my credit report.
Consumer complaint received 2022-09-20
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Best Service Co.,Inc (CA)

I had an account with another person who ended up stealing my property, and identity. I tried multiple times both with letters and calls to the Best Service Company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX to pay a debt which was never mine from the beginning, but I asked my relative to help since I travel 80 % of the time to pay the debt without interest. This company was rude, threatening, hung up the phone several times and REFUSED to accept payment.
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (UT)

I had a 30 year mortgage with United Wholesale Mortgage and recently refinanced to a 15 year mortgage with the same company. In mid XXXX I received bills for both 15 and 30 year mortgages. I called United wholesale mortgage and was reassured that the 30 year mortgage would drop off and not to worry about it. On XX/XX/XXXX, the first date a payment was due for the 15 year mortgage, United wholesale mortgage deducted an auto pay for both the 15 and 30 year mortgages, despite there only being one house in existence. I called them on XX/XX/XXXX to inform them of their error. I contacted the title company that same day and sent them proof of the wire transfer that had been made to United Wholesale Mortgage and which had been received. I have called several times to fix this issue but I have not received any word from the company nor have I received my money that they took from me. I am owed {$2500.00}.
Consumer complaint received 2020-11-17
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: Experian Information Solutions Inc. (NY)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I'm sure you, I have never taken out these charges. I do not have access to the documents related to these accounts, but the creditors would.
Consumer complaint received 2020-06-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEICHERT FINANCIAL SERVICES (VA)

I sold my home in XXXX, VA and paid off my mortgage on XX/XX/2020 with Weichert Financial Services. At closing, I had an escrow balance of {$4300.00}. The Weichert website reflected on XX/XX/2020 they mailed my escrow balance. On XX/XX/2020, after not receiving the check I contact Weichert. They claim they sent the original check to my sold address, but it had a valid change of address in place and I had been receiving my other mail with no issues. I went ahead and updated the address for them to mail the new check. They told me they would issue a new check and it should go out by Friday, XX/XX/2020. After a month of not seeing the check, I called Weichert again on XX/XX/2020 and told them that I had not received the check. They again stated they would mail a check. I asked for a wire and they declined to do it. I asked for mail overnight or at least with a tracking number. They referred my call to a supervisor. The supervisor, XXXX, stated they could not guarantee a tracking number. She could only submit a request and it would take 20 business days for the check department to receive the request and then some time before it would be mailed out. I do not believe they ever mailed the 1st check and they admit they never mailed the 2nd check. With XXXX  and weekends, it will be another 30 days, before I could possibly receive the check. It has now been over two months since I closed and paid off my loan and Weichert has failed to return my escrow money to me and was less than helpful when I called. It takes forever to get a person on line and I spend 1 hour and 11 minutes on hold yesterday, before I got to a supervisor. I am not an expert, but I feel this is a violation of RESPA and should be investigated. I am wondering if this is a common pattern with Weichert with other people that would warrant a class action.
Consumer complaint received 2022-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-11-24
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: Experian Information Solutions Inc. (IL)

On XX/XX/2020 Experian and XXXX  said they verified to bankruptcy when i contact the local court who house the bankruptcy said they do not releases information to the 3rd parties like credit reporting agencies and i have frozen my XXXX XXXX
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

We entered into a forbearance agreement on our home mortgage with LoanCare, and recieved a written agreement dated XX/XX/XXXX. The forbearance was for 180 days, and says in the agreement it is effective XX/XX/XXXX and expires on XX/XX/XXXX. Per telephone conversations with representatives from LoanCare, we were instructed to request a deferment of these payments, so that they would be tacked onto the end of the loan, so that the entire balance due would not come due at the end of the forbearance period. We did so, and were told via telephone that this would not be a problem. However, contrary to what we agreed to on the telephone, when we received the written notice regarding the deferment, it was for only two months instead of three months. We started calling LoanCare as soon as we received this information, and they told us that this was not uncommon, and it would be corrected. We started making our mortgage agreements, as agreed, on XX/XX/XXXX. However, LoanCare applied the XXXX payment to the month of XXXX -- which should have been precluded due to our agreement. I have had roughly ten phone calls with LoanCare since that time, and their response is that " their loss mitigation team '' can not change the terms of the agreement. Please note that we have continued to make our mortgage payments on time per the terms of the written forbearance plan, but LoanCare is still applying the payments incorrectly.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This 'll be the 20 second time that I have called Bank of America XXXX XXXX to settled my dispute while being on hold every single time for approximately XXXX hours sometimes even hanging up and calling back and being told that the dispute department is closed and I was sitting on the phone for no reason a few other times I was just hung up on and other times I was lied to and told I was going to be connected with him supervisor and they were going to help settle my dispute yet nothing happened and I got hung up on or left on hold for another 8 hours until the phone just hung up on me randomly I have multiple accounts that are have been have already been notated on my account I also have taken dose of my own approximately XXXX and {$740.00} has been stolen from my account I asked them to please look at the video feed because it looks like there are mostly ATM transactions and I know for a fact that it's not me I have been trying to settle this dispute for weeks now take an L need to get nowhere and I'm afraid I will be told that it'll be my fault if I'm not able to settle the dispute in time I have filed complaints and took notes of my own and called the network and yelped and but please report for the transactions that had taken place this year will be my third complaint with no response back also there is a charges in another state that are not mine in Florida to be exact if you noticed that my charges are nothing over {$100.00} and then all of a sudden they go range from XXXX to {$1000.00} in consecutive intervals on the same day within minutes of each other I was unable to login to my account online for a long time so I didn't notice the charges were on there please view footage of ATM transactions they're further show proof that is not me withdrawing the funds thank you I hope this matter gets resolved promptly so that I make it back to my life thank youa
Consumer complaint received 2020-11-17
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XXXX XXXX, 2020, CAPITAL ONE AUTO FINANCE add a hard inquiry on my credit report per XXXX, XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2020-12-10
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: Experian Information Solutions Inc. (NJ)

XXXX XXXX  / XXXX and Experian are reporting an account on the credit report that I have been trying to have updated or removed for specific reasons. My rights are important to me and understanding that they are deliberately ignored is not something that I am okay with. 
There is an account with XXXX  XXXX and this account has a lot of missing fields, inaccurate balance, payment amounts and payment months. I wrote to Experian so they can communicate with XXXX and all they did was confirm they received the dispute and leave the information reporting. I have a screenshot of the errors and have highlighted them problems. 
An investigation already should have taken place so the account should report accurate and up to date information. There should be no investigation happening now unless they lied about the previous investigations they said they had. Either one still violating the fcra that protects against type of abuse in reporting. This account needs to be removed promptly. I need a response from Experian and XXXX.