davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (FL)

CFPB + WF Card Services, On a recent review of my credit reports I noticed there are unauthorized hard credit inquiries I would like removed - attached to this complaint are : drivers license social security card mailing address written complaint credit reports where located Please have these removed as soon as possible
Consumer complaint received 2023-03-23
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)

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$49000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2021-10-29
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: FIDELITY CAPITAL HOLDINGS, INC (CA)

Fidelity Creditor Services took over a bill I originally had from XXXX XXXX XXXX XXXX, and the collection was opened on XX/XX/XXXX. 

Without my consent, authorization or approval, Fidelity Creditor Services then accessed and obtained my credit file on XX/XX/XXXX, putting a hard inquiry onto my credit report. 

From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' From the XXXX FTC opinion letter XXXX at XXXX XXXX XXXX  : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. '' From the FCRA 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both.

According to FCRA statute, they would need to have written authorization from me to review my credit, which they do not and did not.
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (IL)

I had a bank account with U.S. bank. I was receiving many letters from all different states ( which led me to believe they were fake ) usually things like this have 1 main location they send from. So I ignored them being as they requested I call & provide updated information they needed. I let it go thinking it was a scam. Well my account got shut down. I called the bank when everything stopped working & I no longer had a mobile account. The first time they said " we don't know there's no notes here, well call back ''. Second time a week later they didn't call back. I called back, same thing. Third time, a 'bank XXXX '? Was in & said " we can't say, call our fraud department ''. I called them, they said " we don't know either, call this number ( some sort of internal department ). They said ALSO " ya we don't know but whoever it was just doesn't wan na continue our baking relationship ever again ''. WHAT DO I DO?! I thought I couldn't open any accounts. So I went a year without a bank which makes paying bills difficult. Luckily I was able to make about one with a new banner, but wow.
Consumer complaint received 2021-08-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Evergreen Recovery Solutions, LLC (WA)

Evergreen Recoveries XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX, WA XXXX To whom this may concern, XX/XX/XXXX This letter is in reply to your recent Investigation Results from XXXX & XXXX. Where the two Account Investigations of each identical account information are simply incomparable. Where the following list of Accounts have been Deleted by XXXX ; File Number XXXX : See addendum # 1, 2 pages. 

While XXXX  reports ; Credit File Confirmation # XXXX : WE HAVE VERIFIED THAT THIS ITEM HAS BEEN REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *STATUS UPDATE *BALANCE * BALANCE DATE. See addendum # 2, 4 pages. 

I call your attention to the FCRA where it reads in Section 609. Disclosures to consumers [ 15 USC 1651f ] ; ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. 
In addition, the National Consumer Law Center describes in : Fair Credit Reporting, 6th Edition : 4.2.1 ; The concept of accuracy is an objective one 57. A consumer report either is or is not accurate. If it is accurate when prepared a certain way, it will always be accurate when prepared that same way. ( 57 Cushman v. Trans Uion Corp., 115 F.3d 220, 225 ( 3d Cir. 1995 ) ( defining accuracy under the FCRA in an objective manor ).

Simply said, if the account information presented here is Unverifiable, Inaccurate, Incomplete or Misleading with XXXX. It can not at the same time be Verifiable with XXXX. Where they propose that We have verified that this item has been reported correctly. Only to then list the Modified status of each account in the next sentence. 

Clearly Evergreen Recoveries is not responsible for the Information being collected and sold to Creditors by XXXX. However, Evergreen is responsible for Deleting these accounts from your files, with prejudice. 


Regards, XXXX XXXX XXXX CC : CFPB WA Dept of Licensing File
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (IL)

Convergent Outsourcing , Inc XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, WA, XXXX To : The Office of Registered Agent for Convergent Outsourcing , Inc . 


From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/21 I was on XXXX website to purchase plane tickets. At checkout I was offered to apply for the credit card. With the card came a statement credit plus bonus points. Also it would be 6x the points so I agreed and filled out for the card. It was approved. I was supposed to be redirected back to checkout where the card information would be inputted in the spot to pay. That didnt happen. I called customer service. They said they could not give me my card number but said not to worry about it. Pay for it now with a other card and when I get my new card they will switch it over. They said they do it all the time, no problem. That day came and they denied it saying they could not do it because I paid with points. It did not say that anywhere and I tried not to pay with points seeing it was only {$20.00} but their website was such a mess i could hardly get through to put my order in.
Consumer complaint received 2021-08-06
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Balance {$100.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX  XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-09-25
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (LA)

As in My original complaint, I requested that Our additional principal amount of {$100.00} per week be applied to Our payments as principal, after Our original complaint was closed the company began to take our payment and apply as monthly payments again. How Much Time Do We Have To Respond After Our Complaint has been submitted or a request for a response or further communication before the claim will be closed? I have been block from accessing my online account.
Consumer complaint received 2023-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (CA)

Dear CFPB Consumer Adjustment added to my credit report a collection for XXXX XXXX in the amount XXXX that was already disputed in previous collection with Debt recovery solutions you can reference complaint ID XXXX And XXXX all my proof and documentation is on those complaint IDs including the mistakes and errors and FCRA laws the previous debt collector made this debt should have not been added back to my credit report after it was concluded no proof was provided on the debt collectors part same goes for consumer adjustment who added this collection straight to my credit report without first attempting to contact me first and sending a debt validation letter first and given me 30 days to respond consumer adjustment already violated FCRA laws by not doing those two things they need to remove this account from my credit profile immediately and if they continue to Per-sue this collection they will need to furnish full proof that this account is mine
Consumer complaint received 2022-05-26
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. (NC)

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 37 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I requested a debt validation letter from XXXX XXXX XXXX  Upon receiving this verification, I noticed that my name and address were wrong. I started a dispute, without any supporting documents, they decided to not remove the debt and continue reproing it.
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

The claim by American Express ( cut and pasted from their site ) : Earn Membership Rewards Points 4X Membership Rewards points at restaurants worldwide 4X Membership Rewards points at US supermarkets, on up to {$25000.00} per calendar year in purchases I have had American Express cards that have charged annual fees ranging from $ XXXX/year. Being a 'reputed ' brand like American Express I have assumed that I do not have to monitor and ensure that all my rewards are being awarded to me rightfully. I recently found out by chance that a restaurant purchase had not received the 4X points. As I started to review my statement, I began to find NUMEROUS instances of this. I informed Amex about this, and over the next hour I went over every charge over the past few months and provided the agent a ) Restaurant names, 2 ) Dates and 3 ) Amounts of each of those transactions. Amex has informed me that I will be receiving the points for some of the transactions and that they are investigating the remainder of the charges that I have brought to their attention. This is a systemic problem and not one that has only occurred for the last billing cycle or two. Rather than offering a meaningful resolution to the issue. I have been informed that if I want all my rightful points, it will be my responsibility to scour the 1000 's of transactions I have made over the years, identify the charges that have not got the required rewards, make note of every one of them, and present it to Amex so they can then investigate each of the charges. Doing random audits of statements over time indicate multiple infractions.
Consumer complaint received 2021-11-29
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. (IL)

hi transunion has a 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 XXXX. transunion has me at a score around XXXX. 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 XXXXThis 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 and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-08-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TRUIST FINANCIAL CORPORATION (IA)

To Whom It May Concern May I please request your help. I VOLUNTARILY surrendered a vehicle leased by Regional Acceptance Corporation. When I negotiated the surrender of the vehicle, I did so based on many conversations with the company. The car in the first place was sold to be by an illegitimate dealership that was shut down by the City of XXXX  XXXX WI, for illegal actions. Furthermore the vehicle started to break down constantly and was costing me thousands of dollars for major maintenance. I finally turned in the car with the understanding that the car was voluntarily surrendered and that after auction of the vehicle I would be able to arrange a payment structure with Regional Acceptance Corporation, to not have my personal credit damaged. None of what I was promised has come to be of help. The car was sold with an outstanding balance of {$12000.00} I have tried to make contact with the company to set up payment arrangements. I have spent hours calling and being sent from department to department, to no avail. I have left messages and no one returns a telephone call. Now I have been alerted by all three credit bureaus that the company has reported me as an INVOLUNTARY SURRENDER and a CHARGE-OFF. This along with 120+ days of late payments has destroyed my credit.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I hope you can help with a matter I am having with Experian. I have been trying to some issues solve on my credit report and XXXX  and XXXX  have already updated and fix the issues for some reason Experian does not want to do their job. 

In XX/XX/XXXX I file disputes with Experian on XXXX XXXX that it was paid as agreed. 
XXXX XXXX that I was never late on this account XXXX XXXX XXXX which is my Mortgage company they are showing a late payment I have never been late on my mortgage this was in error on their part and needs to fix.