davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-14
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. (VA)

On XX/XX/2021, I pulled my Consumer credit file from EQUIFAX, and immediately noticed several violations of the Fair Credit Reporting Act. I reviewed my consumer credit profile thoroughly and noticed several Unauthorized Inquiries, accounts, personal information on my report. First I like to state that I NEVER gave EQUIFAX permissible purposes to report anything to my consumer credit file. Pursuant to 15 USC 1681b ( a ) ( 2 ) which states a consumer reporting agency can not furnish a report without the written permission of the consumer. The Fair Credit Reporting Act as codified at 15 U.S.C.-1681, which stipulates that a consumer report shall not include specific faction information on a consumers credit record. The Fair Credit Reporting Act ( FCRA ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. There were no PERSONAL INTERVIEWS done with any of my neighbors or associates. The incorrect information on my credit file has damaged my reputation, caused mental anguish, including anxiety, depression, and lack of sleep. I can not get certain employment opportunities because of the violations throughout my credit file. I can not get approved for my home, and it's affecting my relationships with my family, friends, and associates. This company has ruined my life.
Consumer complaint received 2024-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2021-08-20
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: EQUIFAX, INC. (GA)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2021-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

I traveled to XXXX on XX/XX/30 and came back to the states on XXXX. On XXXX my account had fraudulent activity that was resolved and refunds were made back to my account. After I received my new debit card I activated it on Friday and had fraudulent activity on my account the next day. The fraudulent activity was charges made to the same company that made fraudulent activity on my first account. I contacted my bank to submit a fraudulent claims on my debit card and let them know I did not approve of these two transactions ( XXXX and XXXX ). They said that I was sent push notifications to my phone and that I verified the purchase by giving them a confirmation code to continue the purchase. The entire communication that I had with them over the phone indicated that I did not make this purchase or approve of it. I've tried to appeal and they said I can't because the purchase was verified with this code. I tried to ask what evidence they would need in order for me to not verify this was a fraudulent transaction and they still denied me the opportunity to appeal these charges. I'm worried someone has stolen my identity and will negatively affect other financial accounts I have. I'm doing what I can to protect myself but their investigation of my complaint was not completely investigated.
Consumer complaint received 2021-08-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Global Equity Finance, Inc. (AZ)

XX/XX/XXXX signed online Closing Disclosure was good with it. On XX/XX/XXXX the notary came over at XXXX XXXX and had me sign papers. He was lining the paperwork up like three at a time for me to initial and sign. I never saw any figures or quotes. I assumed everything was as I signed online. Saw no figures and was shown none. The notary keep sawing it was the easiest signing he had and I didn't understand that until Friday night when I had time to sit down and go over things. I found that the Closing Disclosure that the notary brought left in my package was different from the one XXXX XXXX the Senior Manager Banker with Global Equity Finance had me sign online. Which I had a copy of in my computer. Copied it off and compared the two. The closing cost went up by {$1000.00} dollars. {$6500.00} to {$7500.00} The Cash at closing went down {$2500.00} from {$8600.00} to {$6100.00} and the Payoff to XXXX XXXX XXXX for mortgage loan went up {$1400.00}. along with other costs. I called XXXX XXXX Monday morning and told her everything that was wrong and I was going to sign the Notice of Right to Cancel. Which I had three business day to do per the paper work. She keep giving me excuses and telling me how it would be made up with what I would get back from XXXX XXXX. in escrow and what they would owe me and for me to wait till Wednesday. She keep telling me to wait till Wednesday. So Tuesday when I say what they had deposited into my bank account {$6100.00} vs new Closing Disclosure {$6100.00} I immediately signed the Notice to Cancel and sent it overnight delivery to Global Equity Fin. that day. I tried calling and XXXX XXXX all day Tuesday and she would not answer my calls or text messages I even emailed her. Wednesday the day she wanted me to wait till she called me that afternoon. Told me she did not say anything that she said and told me Monday was the third business day so I was to late.I thought Fri, Mon. Tuesday where the three business days. She said she didn't tell me the escrow stuff because she had no way of knowing that. Which she did. She had a copy of my XXXX XXXXXXXX XXXX XXXXXXXX. Then she said she would have her manager call me Thursday. Today. Which I waited and no one called. they are now ignoring me. Wednesday afternoon I did get a check from the title company to pay off my credit card. That was for {$11000.00} which was the only thing right per the XX/XX/XXXX Closing Disclosure. I just want Global Equity to do right by the first Closing disclosure that I signed online with XXXX XXXX. Can you help me. I feel I have been scammed and age discriminated against. I have not spent any of the money. I even told XXXX to take it back.
Consumer complaint received 2021-09-09
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. (NV)

I sent in a reinvestigation to the credit bureaus they had 15days to respond and I haven't heard anything. I would like it removed
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have filed a complaint with Bank of America with theft off a prepaid card. This card had prepaid money on it that was stolen directly from the bank. There is not an active card open but stealing from the balance of this card. I received a {$6.00} check from this bank but this is NoT the correct amount
Consumer complaint received 2021-08-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo home mortgage predatory lending acts unfair and deceptive tactics to collect on mortgage loans and balances. 

Back in 2011 I applied for a modification too lower interest rate I was not behind on my payments at all wells fargo took it upon themselves too place a HUD second for a very large amount on my home which I would have been buying my house all over again. after paying the balance down a large amount, I had know idea of this. Documents have payoff instructions too send a large lump sum of my Equity to a XXXX XXXX XXXX XXXX  XXXX which is a third party collection agency which I've have never signed any agreements with or even heard of. 
Wells Fargo home mortgage is under financial fire with congress right now for these deceptive illegal tactics to collect on mortgage balances from consumers I'm asking for CFPB assistance too refund every XXXX that was taken from me. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
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. (NJ)

This is XXXX XXXX and I am submitting this CFPB complaint as a follow up to my previous CFPB complaint that I submitted to the Credit Bureaus. I sent a letter on XX/XX/XXXX, requesting to the Credit Bureaus to remove the accounts, inquiries, and personal information that are UNKNOWN to me. I came across the Federal law and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints # XXXX, # XXXX, and # XXXX, I am including these fraud items once again. If it is not too much to ask, please remove the following accounts and information as soon as possible from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

A company called Portfolio Recovery Services have called me at least once a day ( even after XXXX ) since at least XXXX of 2020, at different numbers that I've reported and blocked. I've tried speaking to them about what they want, and they won't give me any information unless I pay them first, which seems predatory and a scam. Nobody will give me any information but insist on calling me day after day with no messages, no letters, no emails, nothing to follow up with. I refuse to deal with them to resolve any issues because of the harrassment.
Consumer complaint received 2021-07-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (GA)

in 2010 I worked with Fannie Mae and they helped me do a mortgage workout with XXXX XXXX XXXX.at XXXX %. Over the last few years they steadily raised my interest rate to XXXX % and sold my mortgage servicing to New Rez, LLC. I inquired with New Rez about refinancing the entire mortgage into a XXXX % 15 year mortgage over four months ago. I have supplied all of the necessary documentation and easily qualify with my income to debt ratio. Since that time they have continued to push for a 20 year mortgage at XXXX % which I do not want. Truthfully I should still be at 2 % and nearly paid off anyway since they borrow money at XXXX %. I need help getting a way to pay off my house early and a reasonable interest rate. I simply do not trust mortgage servicers based on my experience with XXXX. Can you help?
Consumer complaint received 2021-07-08
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. (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't recieved any investigation results.
Consumer complaint received 2021-08-14
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 ORIGINAL CREDITORS : XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on XXXX  XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX account number ISNT DISPLAYED with a XXXX XXXX OF XXXX which is inaccurate because I've been contacted by MANY companies about a debt you allege I owe several times. You also have my name listed wrong, it is, XXXX XXXX XXXX. What you have listed is XXXX XXXX XXXX XXXX XXXX! I also never lived at XXXX Whispering XXXX XXXX, XXXX XXXX, FL XXXX XXXX I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2021-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (WA)

XXXX submitted a fraudulent charge to a apple MasterCard from Goldman. Goldman was to apply a credit during the dispute but never did so. Now my credit score has been affected by this charge and it is further affecting my ability to get loans for a business. 

XXXX must make amends for posting a fraudulent charge. They have since posted a credit but Goldman 's is holding it in their backend system because YOU give them the right to hold it for five days. 

Goldman 's must apply a true credit to my account while the credit from uhaul is gathering interest in one of their accounts. Lol. I wish this were funny but this is an example of how federal regulations hurt the consumer. If credits were to be posted immediately this would not be an issue. The dispute process on the Apple Card is broken and their interface to communicate what they are doing is inadequate. Chat is great for catching up with friends but does not work for banking.
Consumer complaint received 2021-08-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (PA)

Violation of FCRA delete this account immediately. Inaccurate data reported. Account profit/Loss write off. still updating last date of activity. should have a XXXX  balance, with a Charge off Profit/Loss Reporting to XXXX  and Experian different dates of DOLA, etc..
Consumer complaint received 2022-09-12
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. (IL)

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 2021-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NC)

I was notified by my bank that my credit score dropped 47 points and began investigating what could have happened. I pulled an Equifax credit report and learned that MRS BPO , LLC on behalf of XXXX XXXX filed a collection against me for {$290.00}. I do not have an account with XXXX XXXX and verified that with the company. I was never notified of any debt due. I believe this is a mistaken identity case. I talked with two representatives of XXXX  XXXX and they both verified I do not have an account or owe money. They transfered me to the collection company where I was talking with someone when the call disconnected. They made no attempt to contact me.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

My score was at XXXX last month. After my dispute of an old collection that I have reached out to numerous times to get dropped off for payment ( USAA ). The dispute completed and dropped my score XXXX points after the completed dispute. My bills are paid on time and my credit ratio is superb. Its currently showing I have 97 % of my credit available.