davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-22
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. (FL)

I am writing to submit my third CFPB complaint concerning the remaining fraudulent inquiries in my XXXX and Equifax Credit Reports. While I commend XXXX for promptly removing all the fraudulent inquiries I specified, I am deeply dissatisfied with the lack of action taken by XXXX and Equifax. Regarding XXXX, I appreciate that two out of the six listed fraudulent inquiries were removed from my credit report. However, there are still four more inquiries that require immediate attention for complete removal. As for Equifax, not a single one of the listed fraudulent inquiries has been addressed, and to my dismay, I recently discovered a new fraudulent inquiry added to my report on XX/XX/XXXX. This ongoing issue has caused considerable distress and financial strain, as it continues to impact my creditworthiness. In accordance with the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to investigate and respond to consumer disputes within 30 days. Regrettably, it has now been several months since I initially raised these concerns, and I have yet to receive a satisfactory resolution. This delay is unacceptable, and I have suffered significant financial repercussions as a result. I kindly request that XXXX and Equifax take immediate action to remove the following listed inquiries from my credit reports : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

Please attached timeline attempting to resolve this with Mr. Cooper, loan processing company. 

We discovered our escrow balance is excessively high ( see attached page ). We contacted Mr. Cooper telling them we knew the originating bank was overly conservative developing the initial escrow balance. ( We had no idea the overage was so excessive. ) But now that Mr. Cooper holds the mortgage note, you are notified, please fix it. We validated our information with paper escrow-related tax bills and a discussion with the local XXXX  government tax official. Mr. Cooper staff has begun to string us along, as well as mislead us. We were nicer a year ago with XXXX when they delayed us almost three months - we are not naive this time. ( Completely separate, but XXXX acted similarly with my good friend in XXXX  when he asked for his refund. ) We believe, validated with the attachments, Mr. Cooper owes us roughly $ 5K+ in escrow overage that increases monthly ; as well as by direct follow-through, the monthly mortgage we are having to pay is roughly {$430.00} over ( too much ) as well. 
Mr. Cooper has an automated phone line that informs customers there is no need to send in escrow-related tax bills as they capture them electronically. We disagree because this is part of our complaint- we inform them they are missing one and we have no comfort level any correction is being acted on. 
We have been professional in all of our dealings. At times we have expressed frustration with Mr. Cooper staff, but the timeline notes will reflect why ; as well as any recordings.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I submitted a cheque in my Wells Fargo account and they made the funds available for me after a day. I used the funds and then they said that the cheque didnt have the funds. So they took out the money from my account.
Consumer complaint received 2023-07-18
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. (MI)

XXXX XXXX opened XX/XX/2022. 
XXXX {$7100.00} This account is FRAUDULENT! I contacted XXXX XXXX directly and informed them as well. I filed a police report and provided the company with the information and they assured me they would rectify this and apparently Identity Theft is common with this company. 

I filed a police report with the XXXX Police Dept. 

CASE # XXXX
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$77.00} XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$71.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$71.00XXXX XXXX XXXXXXXX Balance : {$77.00} XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$2400.00}
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have not provided any written instructions to allow any Consumer Reporting Agency ; TransUnion, XXXX, or XXXX, to release my consumer report and according to 15 U.S. Code 1681b this is a direct violation of the law and falls under the category of 15 U.S. Code 1681c1.

I request that the information be removed from my credit report for the following accounts and amounts listed below based on the Codes afore mentioned. 

TRANSUNION : XXXX XXXX reporting a Collection whom I never had any account with is reporting an amount of {$1100.00} debt was XXXX by XXXX XXXX XXXX XXXX XXXX COMPANY XXXX XXXX XXXX Credit XXXX XXXX XXXX XXXX XXXX late payments XXXX reporting XXXX my consent XXXX : XXXX XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXX BANK XXXX Account number XXXX Closed XX/XX/XXXX still reporting without my consent. 

XXXX XXXX XXXX Account number XXXX. XXXX Account still reporting without my consent. 

XXXX XXXX XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX Still reporting without my consent. 

XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXX Account number XXXX XXXX without my consent. 

My address information is incorrect and should only show XXXXXXXX XXXX XXXX XXXXXXXX Ohio XXXX any other address needs to be removed.
Consumer complaint received 2023-07-22
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)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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. 


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 2022-12-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute in regards to the incorect items on my credit report. It has been well over XXXX days and i haven't received any investigation results.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-11-05
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)

Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX XXXXXXXX fl XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1994 My only employer is XXXX XXXX  I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-29
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: Healthcare Receivables Group, Inc. (NC)

HEALTHCARE RECEIVABLES GROUP are using name, address and Social Security number for ordering money fraudulently, and has taken the signature and the instrument like it belongs to them and trying to collect. I do not know who this company is I have not authorized any use of this information for money order and they're causing defamation of character, they are continuously doing this action every other month or more. 
I have had a conversation with XXXX XXXX XXXX XXXX and XXXX XXXX and even XXXX XXXX however they continue to do the same thing over and over. 
HIPAA stands for the Health Insurance Portability and Accountability Act, and it is a law that was enacted in XXXX  that protects patient confidentiality, makes it easier for individuals to keep health insurance and provides security measures for confidential health care information, according to the state of XXXX XXXX XXXX XXXX. HIPAA also helps to control administrative costs within the health care sector.
Consumer complaint received 2022-12-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CT)

M & T BANK merged my XXXX  account from a Peoples bank where I have been a good customer for 15 years with NO PROBLEMS. When the banks merged in XXXX and XXXX I paid the loan ON TIME and the payment got rejected by the M & T BANK computer system IN ERROR. On XX/XX/XXXX I spoke with XXXX XXXX who set up docusign debit form and told me I was all set- the monthly debits would be made automatically from my XXXX XXXX XXXX account. That never happened. I then called the XXXX bank line FIVE times on XX/XX/XXXX and got hung up by a woman named XXXX XXXX XXXX XXXX I asked for a supervisor. When I called back she said she was going to continue to hang up on me and sent my calls to non-working numbers inside the bank. She then reported my account as delinquent to retaliate against me for asking for a supervisor! I then drove over to the local branch in XXXX XXXX XXXX XXXX and made an in person payment to XXXX XXXX XXXX the assistant vice president. M & T BANK has done everything possible to XXXX up this account and blame the customer and RETALIATE by sending me notices of Default. I have NEVER missed a payment. M & T BANK is breaking the law.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2023-05-15
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. (IL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (MI)

Notice of revocation of payment plan agreement, UDAAP FDCPA violations In order to clear my credit report of a claim for a month of unpaid rent, which was alleged to have occurred in XXXX, which I dispute, but because of the age of this alleged debt, I had in good faith entered into an agreement with Hunter Warfield collection Agency to pay this under a payment plan with the understanding that on completion of the payment arrangement, they would remove it from my credit bureau. I had agreed to make the first payment tomorrow, XX/XX/XXXX. I now find that despite this agreement, they attempted to take the money from my account today, despite having no authorization from me, and then their office called me attempting to collect the unauthorized payment. In calling their office, they categorically refused to confirm in writing that on completion of this payment arrangement, they will report the alleged debt as paid and remove it from the credit bureaus. In addition, they even refused to provide me with a copy of their company policy that this is their standard procedure. I therefore revoked any agreement by me to pay ANY amounts until such time as I get confirmation in writing from them that they will do this. And I continue to dispute this debt. 
I believe that these actions may constitute a violation of both state and Federal UDAAP as well as state and Federal FDCPA laws. 
. 
XXXX XXXX XXXX : Maryland Attorney General Michigan Attorney General Federal Trade Commission/CFPB
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (MO)

I am submitting this CFPB complaint to express my deep concern regarding the unresolved dispute over erroneous accounts and information that has been inaccurately reported on my credit file. Despite diligently disputing these discrepancies for the past 36 months, I have yet to receive a satisfactory response from the Credit Reporting Agencies. This has caused significant distress and financial implications on my part, and I DEMAND their immediate attention to rectify this situation. I firmly believe in the utmost importance of maintaining accurate and up-to-date credit information, as it directly affects my ability to obtain credit, loans, housing, and employment opportunities. Therefore, I DEMAND the complete removal of the following erroneous accounts from my credit file : 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 

As per the Fair Credit Reporting Act ( FCRA ), it is the Credit Reporting Agencies ' duty to ensure the accuracy and fairness of the information they report. Failure to comply with the FCRA can lead to legal consequences, and I DEMAND that they avoid such a situation through their expedient resolution of this matter.
Consumer complaint received 2023-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CA)

I opened a chime account four months ago and from day one had issues accessing my funds. Problems consisting of making withdrawals, inability to utilize the ATM due to the atm not working without the actual physical debit card which was shipped to the wrong address multiple times i even have one still not accounted for. The dispute i filed with a charge in XXXX i believe still has not been resolved the customer service is a complete nightmare of giving people all your personal information and then being transferred to a different person and doing it all over again and again. Its coted me too much time and effort to get the results promoted by this " financial service '' Anything you can do to help would be greatly appreciated Thank You, XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2022-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (TN)

I received a letter from The CBE Group today Reference : XXXX saying I owe the Department of Veterans Affairs Account # XXXX. This not true, I do not owe them anything. There's no way I was turned in for collection from XXXX to XXXX, check your records again!! I paid them {$710.00} on XXXX and {$65.00} today ( just to be sure ). The Account # XXXX does not match any of my account # 's, Not even close!!! This a scam!!! Do Not Contact Me Again!!!
Consumer complaint received 2022-12-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (CA)

Specifically, a collection item appears on my credit report for XXXX XXXX XXXX for XXXX They alleged that I owes XXXX XXXX XXXX this debt for the last bill on my daughter 's lease with XXXX XXXX XXXX. However, I have never lived on this property. Even though she agreed to let XXXX XXXX XXXX do a credit check on me, I never signed or co-signed for my daughter 's lease. I also pointed out that the signature that XXXX XXXX XXXX attributes to as her signature on her daughter 's lease is not hers. 
They were sent a copy of my ID showing my signature and I filled a police report as they requested but nothing was removed and they refuse to talk to me anymore. 

events timeline : I agreed to a credit check only. I never visited to sign the lease. When I got an alert from my credit report I checked and noticed there was an item from the complex. I called spoke to the lady in the front office. She explained to me they only had my credit report not my lease that is why I was not notified of the debit prior to it going to collections. When I stated I never signed a lease she said XXXX would call me back. I called back Friday XX/XX/29. Left messages and got a call from XXXX, she said she was not at the office, but she would get back to me on Monday. I called on Monday and left a message. Got an email showing my name was added to the lease. The rental office emailed me a copy and it is clearly not my signature. My name is even spelled incorrectly. I pointed that out to XXXX, however she refused to remove me from the lease and collections.
Consumer complaint received 2022-12-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (SC)

n accordance with the Fair Credit Reporting act XXXX Account # 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