davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (CA)

Received a call from a XXXX XXXX ( Female ) on XX/XX/2022 explaining that she was from XXXX XXXX in XXXX XXXX XXXX and that a form was being delivered to me or my place of employment. If I did not respond or was not at home or at work it would be considered a direct refusal to comply and proceedings will move forward without me. She called from ( XXXX ) XXXX and left the number for the direct filing party at ( XXXX ) XXXX with a document number of XXXX. 

I called both numbers on three separate occasions and could not get clear answers to my questions. I was informed that it was a lawsuit from Wells Fargo for a credit card debt in the amount of {$1400.00}. They were able to accurately identify my cell number, my former home address, and my current address. I never received any documents and scheduled an appointment with Wells Fargo to conduct a deep dive into any past accounts held in my name. We discovered nothing. 

I also pulled all three of my credit reports and did not find any open accounts with Wells Fargo.
Consumer complaint received 2022-10-31
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. (TX)

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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. 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 records of convictions of crimes which antedates the report by more than seven years. 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. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IN)

On XX/XX/2021 I was served paperwork by a private server that stated the alleged debt for a credit card and the fact they were prepared to take me to court. I responded XX/XX/2021 to the attorney who filed, XXXX XXXX  XXXX at the address given to me on the papers served, as well as several letters to LVNV Funding disputing said debt. Time passes and I do not hear back. I assumed they had dropped the issue due to my dispute and my statement of limited employment due to a XXXX. I was then sent, by mail, papers from XXXX XXXX XXXX in XXXX that since i did not respond nor show up for court a default judgement was ordered. I sent a copy of the dispute letter to both the court and XXXX XXXX  XXXX again stating that i did respond and that I was never notified of a court date so I was disputing the judgement. Again, I here from no one. I look up my info on XXXX to get answers and I see it was posted that there were no findings of me telling the truth. Plaintiff stated nothing was received. I sent the prof. and no one can tell or show me how I was notified of a court date. I was completely dismissed. Now the same creditor, different lawyer is trying to do it again with a different debt. I feel since I am so close to the statute of limitations for credit card debt that they are just pushing things through with no regards to my rights or policies.
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (FL)

Equifax have not provided any evidence showing that you have conducted a full independent investigation on the fraudulent charges as required by the Fairs Credit Act when official police report ( s ) by law enforcement has been provided to you. 

According to the 1997 case of Cushman vs Transunion, the court has ruled that a full independent investigation needs to be done and provided to the consumer if the consumer disputes the accuracy of their credit report. 

Equifax CAN NOT SIMPLY say " EXUIFAX VERIFIED THAT THIS ITEM BELOGS TO YOU '' without conducting their own INDEPENDENT INVESTIGATION as stated in the Fairs Credit act and proved by court in the 1997 case of Cushman vs Transunion. EQUIFAX HAVE NOT PROVIDED ANY EVIDENCE NOR DOCUMENTS THAT SHOWS HOW THEY CLAIM TO HAVE VERIFIED THESE ACCOUNTS. 

These credit bureaus are lying and violating these rights under The Fairs Credit Act. They are NOT conducting a full INDEPENDENT INVESTIGATION and has not provided not one single evidence or proof about how they " VERIFIED '' these accounts. Without evidence or proof, these accounts are considered " UNVERIFIABLE '' and according to the Fairs Credit Act they must removed them IMMEDIETALY from my consumer credit report.
Consumer complaint received 2023-09-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Data Mortgage Inc. (GA)

I was in lost mitigation and was making payments of XXXX the new company has taken over and the information they have is incorrect I have copies of the lost mitigation terms and I have been unable to reach anyone this company has so many complaints with XXXX they need to be shut down.
Consumer complaint received 2022-06-30
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. (GA)

In accordance with the fair credit reporting act XXXX  account # XXXX name XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 602 A. It also states a consumer reporting agency can not furnish account without written instructions.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Equifax is violating my rights by still continuing to report unauthorized fraudulent inquiries.once again i never applied for credit with these financial places.please help me with this matter.enclosed is id theft affadavit license and ssa card.once agian the fraudulent inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom this XXXX concern, The response to your research is something I strongly disagree with. The following inaccurate information is still on my credit report even after your examination. There are good reasons why I ask that these things be looked into again right away. The impact of these errors on my XXXX XXXX is substantial. 
Furthermore, I require tangible proof of the information being validated rather than a computer-generated affirmation in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. 

Could you please supply the following? 

For me to follow up, please include the names and business addresses of all the people you checked the information with. 
The date that you got in touch with each information provider. 
the communication channel that was utilized to confirm the data. 
Additionally, I would like to know if the furnisher gave you my address, XXXX, or XXXX. 

Please send me an updated credit report after you've finished your inquiry and made the required changes.
Consumer complaint received 2021-10-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FBC MORTGAGE, LLC (NC)

On XX/XX/2020 we signed a contract with XXXX XXXX, with the obligation to do business with FBC/XXXX  mortgage company. If we didnt get the loan FBC/XXXX  we will not get the house. Or so we thought. 
We were harassed into selling the house and paying off the car. 
We supplied all the paperwork. 
We believed that they will honor a FHA loan but they are not interested in complying with it and all they have done since XXXX is prolong the process, hindering, lying, deceiving, a XXXX score credit is not good enough. 
We had spent about {$20000.00} that no one is going to give back!! 
We believe them! 
They DONT give FHA loans!!! 
Even though they offer them!! 
They harassed us, pushed us, laughed at us, because they knew that they were going to be able to get away with it. And that NO ONE in this XXXX forgotten Country was going to do anything to stop them!!! 
We are homeless, my childrens college money down the drain, just because we believed. 
I feel like the jelly bean test again, where no matter the answer, no matter how many times you try, you still a loser!!! 
XXXX XXXX, FBC loans, and XXXX Homes are to blame! Pulling the credit until is useless!! XXXX credit score takes you nowhere, and to bring it back up take decades!! 
But they know the game and how to play it, because while their greed is controlling them ; we, my family and I are homeless. 
Shame on you USA!
Consumer complaint received 2020-09-08
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 (FL)

I was booking a trip on XXXXXXXX on XX/XX/2020 and saw a banner advertisement for a XXXX XXXX Mastercard through Barclays, offering XXXX reward points, {$100.00} credit, and 0 % apr for the first year. When I clicked on the advertisement, it took me directly to the application page for the card, I went off what I saw on the banner as there was no landing page describing the terms of the card. The main reason I wanted to get the card was because of the 0 % apr for a year. 

I used the card to book the trip, received the XXXX reward points, and {$100.00} credit. For my first bill, to my surprise there is an interest fee, which I called Barclays about, and they waived it. They told me to check the terms of the card, which I saved the copy that was mailed, and in it, it states that I have 0 % interest for 12 billing cycles for balance transfers. I asked them, why would I get a card for a trip  that I'm booking for a balance transfer? That makes no sense. 

When I signed up for the card the banner advertisement said 0 % apr, which I thought was for purchases, I had no concerns or needs for a balance transfer when I'm booking a trip. They now have a landing page for the XXXX card that states the 0 % is only for balance transfers. This was not there at the time I signed up for the card. The banner advertisement I used to decide to sign up for the card was totally misleading as it did not state the 0 % apr was only for balance transfers, and that is why I am filing this complaint.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I filed mutiple disputes in regards to inaccurate reporting of information on my credit profile with all 3 agencies they are continuously violating my credit reports the way that theyre reporting the same item but differently with inaccurate information on each report, the account listed is XXXX XXXX with all the violations on my report they still refused to look into it!! I do not want to involve an attorney but this is getting ridiculoussince theyre all verifying accurate information why does my credit reports show different information with each bureau please look into this
Consumer complaint received 2022-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (NY)

There is a derogatory mark from Penn Credit Corporation XXXX XXXX XXXX XXXX, PA XXXX On my credit report. I have received zero communications from them. No letter, no opportunity to dispute debt, just a {$2700.00} charge for I don't know what on my credit report for a month now, with zero information. 

I tried to contact them and without a " customer ID '' from the letter they were supposed to send me, I can not reach out to them.
Consumer complaint received 2022-06-15
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: CREDIT ACCEPTANCE CORPORATION (AZ)

XX/XX/2021 XXXX XXXX XXXX co made an inquiry that was unauthorized by me I contacted them and they told me it will be removed within 30 days It has been 120 days and it is still on the report. 


XX/XX/2021 credit acceptance made an inquiry that was unauthorized by me I have been unable to contact them at all to talk about why it has happened.
Consumer complaint received 2023-03-27
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. (FL)

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (FL)

On Friday, XX/XX/2024, Chase notified us that additional credit cards for our account ( mine and wife 's joint account ) were requested. We told Chase we did NOT authorize additional cards. Chase closed the existing account number and reissued new accounts for my wife and self. That same day, 15 credit cards arrived in multiple envelopes in US Mail to our home address. All cards had different names ( probably fictitious ) on them. We have not disposed of them until all reporting is complete. We went to local Sheriff 's office to report fraud and were given this website to file report.
Consumer complaint received 2024-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I deposited a check of {$4000.00} on XX/XX/year>. The funds were available to me on XX/XX/XXXX. I have been getting the run around from different branches why i cant access my funds even though they show available to me. They say the check is invalid even though it has gone through and taken out of the account that was check was from. Then its, we cant verify your information. Then its just give it a few days to post even though it has fully posted. I called loss and provention customer service they said my funds are available and i have been to 5 different branches and spoken to the branch manager and they give me one of those reasons or others.
Consumer complaint received 2024-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

Subject : Formal Complaint and Cease and Desist Request Dear CFPB, I am writing to file a formal complaint against I.C. SYSTEM, INC, on behalf of XXXX XXXX XXXX, regarding an account that was improperly placed in collections. 
I made multiple attempts to make payments on this account, but I was not informed that it would be sent to collections. The lack of communication and transparency regarding this matter has caused undue stress and financial concern. I also, do not believe I owe the remaining amount. 
I request that XXXX XXXX XXXX  and its agents immediately cease and desist all collection activities related to this account, including any actions that has been threaten. I also ask for a full investigation into their handling of my account and the communication failures that led to this situation. 
Thank you for your attention to this matter.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address and SSN Card.
Consumer complaint received 2023-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, I sent a {$6500.00} wire to a bank account that I believed to be my landlord 's for rent. We found out on XX/XX/2023 that his email address and bank account were compromised and the wire was sent to a fraudsters account. I bank with JPMorgan Chase and have alerted them of the issue and they have been unwilling to help remedy the situation outside of providing a basic wire recall request. There was a police report filed as well and I am working to receive the funds back.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called XXXX  XXXX XXXX in XX/XX/XXXX to reporting inaccurate information on my credit report -- - Account # XXXX showing late payments and inconsistencies in both my TRANSUNION and XXXX credit bureaus. 

I explain to XXXX  XXXX XXXX XXXX hereafter XXXX  ) that I never missed any payments with them from XXXX - XX/XX/XXXX and XX/XX/XXXX. I further explained that their online payment system was flawed and did NOT correctly process payments online. Each payment they are showing as " LATE '' was inaccurate and manually paid online or via direct deposit. However, XXXX still reported LATE PAYMENTS. Based on my history of payments, I was NEVER LATE until XXXX  updated their internal systems. 

Looking into my history with XXXX  XXXX XXXX since XXXX, the representative said that she can clearly see that the issue had to be internal because it was a consistent issue with the payment system... 

I was told by the XXXX Representative that ALL LATE PAYMENTS will be removed within 14 days due to system issues as a courtesy and in good faith. 

I'm filing a complaint because XXXX  XXXX XXXX were not honest in delivering it's promise to remove the LATE PAYMENTS in good faith. In contrary, XXXX  XXXX XXXX deliberately falsified it's responses to CFPB. Please see attached documentations which proves that they never VERIFIED nor UPDATED my credit report as they claimed in Complaint # XXXX. 

Furthermore, XXXX  XXXX XXXX violated my consumer rights under the FCRA and NEVER sent me any documentations showing late payment notices. They have also violated my consumer rights under the FCRA, 15 U.S. Code 1681e - Compliance procedures- ( 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 2020-07-16
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX  XXXX {$560.00}
Consumer complaint received 2021-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (MN)

I have a security freeze on my Lexis Nexis Consumer Report and I am being denied credit because of the security freeze. I want Lexis Nexis to immediately and permanently remove the security freeze from my consumer report. My Unique Personal Identification Number ( PIN ) is : XXXX, My Consumer Number is : XXXX, Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX