davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
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. (CA)

I did not give my written permission to file anything adverse on my credit report. 

In accordance with The Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681A Section 2 : it also states that consumer reporting agency can not furnish a 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 of information, other than records of convictions of crimes which answer dates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person should 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 2019-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NC)

I was in Chapter XXXX that included my mortgage company Flagstar bank. On XXXX XXXX, my chapter XXXX plan was completed and fully discharged. I received a letter from the attorneys representing Flagstar bank stating my balance was XXXX dollars and to resume my payments directly to the bank as normal. I have paid every month on time since XX/XX/2018. Since then Flagstar claims that I am one payment behind from when I was still actively involved in Chapter XXXX despite paperwork stating other wise. I sent them the necessary paperwork proving that my balance was XXXX dollars at the time of my discharge. On XXXX XXXX, I received a letter from Flagstar bank admitting to their error and stating they would fix it. As of today, the problem still has not been resolved. They are now reporting late payments to all three credit agencies and reported late payments while in active bankruptcy. I have called them on several different occasions and never receive a call back that the problem is resolved. Instead I receive automated messages that my payments are late.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 than 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.
Consumer complaint received 2020-10-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TCF NATIONAL BANK (MO)

Have tried for over a month to receive a payoff letter for a loan on a camper trailer. Filed a complaint with CFPB XXXX SUBMITTED ON XX/XX/2020 TCF stated a payoff letter would be sent and the complaint was closed. To date the letter has not been received. Multiple attempts to contact TCF resulted in over an hour wait times, an inadvertent disconnection, a transfer of the call which resulted in a disconnection and an transfer of the call to to wrong " department '' at which time I was place back in the " holding '' queue. The account number is a XXXX  XXXX  account number and TCF continues to say I do not have a TCF account. 

I simply want a payoff letter, I have missed several opportunities to sell this item as a result of the abhorrent customer service of TCF and have no clear options for obtaining this letter.
Consumer complaint received 2019-12-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Mortgage Electronic Registration Systems ( MERS ), Bank of America ( BOA ), and XXXX  ( Servicer ) have executed fraudulent assignment. 

2. XXXX XXXX XXXX assigned its interest to BOA on XX/XX/XXXX 3. BOA assumed the assignment XXXX ( Loan was paid thru XXXX, XXXX closed XXXX, BOA & XXXX have no history of payments etc. 

4. ( Fraud ) MERS reassigned BOA thru erecording on XX/XX/XXXX ( no book #, no page #, and original mortgage payments never applied to a reduced amount. ) 5. These companies have " no standing '' to enforce a lien on my property XXXX XXXX XXXX, XXXX, PA XXXX. 

6. PA statue of limitations due apply, if this assignment have any merit. 

MERS and Bank of America continue to deny me information referencing these outdated liens/ assignments that are not present on my property deed nor credit report.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act 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 that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (SC)

I divorced my husband in XXXX of XXXX. He remarried in XXXX. We had no accounts together after our divorce. Him and his new wife ran up their own debt and he passed away in XX/XX/XXXX. I received a notice that I owed {$23000.00} in XXXX credit card bills that were not even in my name. I do not owe their debt .I am assuming that letter I received in the mail may just be a scam but I am letting you know her
Consumer complaint received 2019-12-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX  and Transunion are reporting incorrectly an account where I am shown as an Authorized User on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-04-11
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: BTH Management (FL)

XX/XX/XXXX i received credit monitoring notification 2 accounts had been reported to my credit XXXX XXXX for {$1800.00} & {$2400.00} i called the creditor immediately asked about these account that were reported, i was asked my name/ssn and was also told they were not able to locate any accounts for me. i then asked how can this have been reported if you do not even show accounts for me. i was then told by XXXX XXXX to contact my police dept for fraud, i said how am i supposed to do that when i don't even know who you people are. i hung up and called XXXX, i disputed the accounts. detailed my conversation with this lady at XXXX XXXX that refused to give name. 
30 days later in XX/XX/XXXX both accounts came back as being verified as accurate.. 
i than called XXXX and questioned how this was verified when XXXX XXXX did not even have accounts for me. they said they verified as accurate. i then asked for validation/ or any info that was used to verify this debt and was told i needed to contact the collection agency. 
XXXX XXXX and XX/XX/XXXX i contacted XXXX again, asked for supervisor, was being yelled at on phone. i also tried to explain the reason for my call and was hung up on. 
the next day i called back, asked if ( she ) they never give names, was able to search my ssn/name was told again, no accounts for me. so i questioned again how can this be and this company still report to credit. she was not able answer with a clear explanation, and i got frustrated, i asked to speak to a supervisor was hung up on again. 
XX/XX/XXXX i made a call to XXXX advised i was trying to figure out how to get proof of this debt. advised of previous dispute out come, also advised interaction with the collection agency. i was told by supervisor XXXX at XXXX they submit the dispute to the creditor via XXXX XXXX and they verify it. i asked what documentation as used to validate this, he said none, XXXX DOES NOT verify validity of debt disputed, i asked how that can be when my dispute was specific to account not being mine. he said all he could do was document the accounts for XXXX XXXX send dispute again. that did not work the 1st time, so i can imagine would not work again. 
now to my understanding of credit reporting/validation of debt is part of the FDCPA also requesting validation and it not being provided is a violation. i have disputed things before was was always sent a validation notice/ with proof of debt so i am not understanding how this has remained on my credit even though i have yet to receive the proof of debt. i called the original creditor " XXXX '' and was told they do not show me on their system, i was then asked to call corp XXXX XXXX XXXX i did that today XX/XX/XXXX and they have no record of my name or ssn. i want this removed off my credit. i have no clue who XXXX XXXX is or XXXX XXXX
Consumer complaint received 2020-10-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (OH)

I contacted Wells Fargo on XX/XX/XXXX through my online Message Center regarding my student loan with the below concern. On XX/XX/XXXX I received a confirmation my message was received & forwarded to the Executive Office team, but have never received a response by email, mail, or phone & I'm extremely disappointed in the lack of follow-through in their complaint department. 

I need a thorough review and explanation of my Wells Fargo Student Loan 's  repayment period with corrections made to the balance & payment application. This is supposedly a 120 month ( 10 year ) repayment student loan with an originating lending amount of {$10000.00}. However, after making monthly payments for over five years I've only paid {$2700.00} of principal. The current balance of {$12000.00} is still more than the original loan amount so I can not understand how the 120 month loan I was sold in XXXX is still not halfway paid off halfway through the payment timeline. I have reviewed all of my recent statements and can not find a disclosure, that I believe is required by Regulation Z, with a payoff timeline based on the minimum payment. There's no way this loan will be paid off during the 120 month period if my monthly payment is only applying approx. {$40.00} towards the principal. I've paid a total of {$12000.00} on this loan in five years ( {$9300.00} was interest ) which seems severely unethical and inaccurate based on the loan sold to me over the phone. Wells Fargo needs to reassess how my payments are being applied & correct this discrepancy.
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Blitt and Gaines, P.C. (NV)

XXXX Contacted XXXX Reported fraudulent Web site XXXX Reported Fraudulent Business operating illegibly to XXXX XXXX XXXX Contacted Bank to dispute over XXXX in withdrawal of funds They only had a phone number - no other information XXXX Contacted Blitt and Gaines ( company is in Illinois on paperwork ) NO evidence of amount owed or proof of debt Illegally filed in Arizona which violated FDCPA laws- State and Federal laws were violated as there is no Garnishment of Bank accounts allowed XXXX Contacted XXXX XXXX XXXX XXXX, AZ Superior Court Records Dates for case dated in XXXX  do not match case number on fictitious paperwork. 
NO such Judge or Clerk residing XXXX Contacted Superior Court Records department - Discussed inconstancy with dates in comparison to Case and paperwork Materials appear to be falsely used - Garnished Bank funds including Checking and Savings accounts Violated FDCPA laws- Violated the timeframe according to the Statute of limitations is deemed to have expired. 
The debt collector attempted to sue me on a debt where the statue of limitations expired- please have this dismissed!
Consumer complaint received 2022-10-16
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: EQUIFAX, INC. (TX)

have accounts on my credit report that i have filed a police report for gave you the report number nothing was done. gave you identity theft affidavit signed by the deputy, but nothing was done. I told you someone made a fake id, and my information was stolen while i was in jail nothing was done. Next, I'm going to file a lawsuit against you for failure to do proper investigation to see I'm telling truth if it's it not permanently deleted off my report immediately. THE CASE NUMBER is XXXX with the XXXX XXXX XXXX XXXX XXXX THEIR NUMBER IS XXXX. THE ACCOUNTS ARE ( XXXX ON XXXX CREDIT LIMIT IS {$600.00} ) ( XXXX XXXX XXXX XXXX OPENED XXXX XXXX CREDIT LIMIT IS {$5000.00} ) ( XXXXXXXX XXXX-OPENED ON XXXX CREDIT LIMIT IS {$500.00} ) XXXX XXXXOPENED ON XXXX CREDIT LIMIT IS {$5000.00} ) along with all the inquiries AND IM DEMANDING OF A VERY DETAILED DESCRIPTION OF YOUR REINVESTIGATION PROCEDURE BECAUSE I HAVE PROVIDED ACCURATE PROOF OF THE FRAUD AND YOU SAY THAT IT IS VERIFIED BUT IT ISN'T CAUSE I HAVE NOT SEEN ANY PROFF HOW ITS VERIFIED SO PLEASE TELL ME HOW EHATS YOUR REINVESTIGATION PROCEDURE AND I WANT YOU TO REINVESTIGATE THESE ACCOUNT
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

The first name listed, ( XXXX XXXX ) is not me, or never has been me at any point in time. The only name I have ever had is XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. If you need to contact me you can please reach me at ( XXXX ) XXXX or at XXXX Thank you very much.
Consumer complaint received 2020-05-13
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. (TX)

all filed ftc remove the attachment Report Number : XXXX Date Generated : XX/XX/2020 print iconPrint Your Report Potentially Negative show tooltip button XXXX/XXXX/XXXXDetails XXXX XXXX/XXXXDetails XXXX XXXX XXXXDetails XXXX/XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDetails XXXX/XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXDetails XXXX XXXX XXXX.Details XXXX/XXXX XXXXDetails XXXX XXXX XXXXDetails XXXX XXXX XXXXUnder Dispute
Consumer complaint received 2022-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (FL)

XXXX XXXX Account XXXX. XXXX On XX/XX/2019, A company shown as XXXX XXXX XXXX was reported to my credit report per Credit Report. I have never signed an agreement with this company, and Nore have I ever heard of them. Upon further research, the debitor 's creditor did not verify this collection. Also, there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send an invoice and say it's mine. According to FCRA, this company has violated my rights as a consumer. I'm looking into taking legal action to remove the fallacious account from my credit report immediately! I wanted to see if my dispute could be resolved by taking all necessary steps before taking drastic action.
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (NY)

Looking over my credit report and notice some a hard inquiries that I do not recognize and are all over 90 days old and this : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-07
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. (AL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CO)

This complaint is about US Bank 's external money transfer fee of {$3.00} for any money sent out of one 's checking account to another bank. While I can understand they might charge the fee if initiated on their own platform since they need to create the systems to do such transfers ( even though other banks do not charge fees for either internal or external transfers ), after all it's their choice if they want to have a policy that puts them at a competitive disadvantage to other banks. However, they charge the fee even if the transfer is initiated at any other bank! This seems like they are holding my money hostage and charging an unfair fee since they aren't doing anything at all but releasing the money as they are legally required to. They don't charge fees for debit card charges, checks written to myself at another bank, etc., so why should they be able to take {$3.00} from my account if I ask my other bank to drag some money over? This seems like yet another example of banks nickel and diming users, likely without their knowledge before the fact ( I had to call the bank to find out they do this, and even then the banker I spoke with was unaware of this practice until confirmed elsewhere while I was on hold ), in order to boost their bottom lines. It's angering, frustrating, and further creates distrust between customers and the bank. I've asked US Bank for justification of this policy but have yet to get a response.
Consumer complaint received 2022-07-30
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: CAINE & WEINER COMPANY, INC. (FL)

I have tried to dispute this account multiple times. This is not my account. 
In accordance with the Fair Credit Reporting act CAINE & WEINER has violated my rights. 
This account was opened XX/XX/2021 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 an account without my written instructions I have never received a validation letter. Could you please investigate this account properly.
Consumer complaint received 2023-03-16
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX 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 than 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.