davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-30
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. (NC)

I, XXXX XXXX XXXX, was a victim of identity theft, and my FTC Identity Theft Report is attached. This notice and further proceedings of compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my written consent/authorization to any 3rd party affiliate CRA to share my information with the following accounts ; please be advised that furnishing data without consent is the same as committing identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2020-02-28
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. (NC)

Mortgage / Real Estate account is reporting incorrectly as closed. Should be Current / Paid, on time, with a balance of {$190000.00}. Attached is XXXX  the creditor 's response to the Consumer Financial Protection Bureau, and North Carolina State Attorney 's General Office, stating that it's been reported to the three major credit bureau 's. Yet, this information has not yet been updated on my personal credit report, for over 90 days now this information has been incorrect, disputed, and still not reporting correctly.
Consumer complaint received 2020-12-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NC)

XX/XX/2020 I placed several calls to Quicken Loans to obtain my payoff and chatted with a representative as well. This process wasnt unacceptable at all. I requested to speak with an executive several times and was never transferred nor was a call back received. The staff was rude and clearly required more training. I still have yet to receive my payoff despite the closing occurring on XXXX and the fact that Quicken is paying themselves to close the loan there is no reason I was unable to obtain the payoff. I spoke with Jalen, XXXX, XXXX, XXXX XXXX This is not acceptable and moving forward I will not conduct business with quicken again nor will I have my mother move forward with her mortgage.
Consumer complaint received 2019-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (FL)

Received a letter in the mail dated XX/XX/19 from XXXX XXXX saying I owe XXXX $ to PayPal inc. I have never had an outstanding with PayPal inc and they confirmed this. Read online this company is trying to scam individuals and are reporting fake debts on their credit reports. I believe this is what is happening to me!
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (LA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-07-14
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)

XXXX XXXX XXXX with whom I do not have any contract with reported a delinquent account on my credit reports. I never received any correspoence from them therefore wasnt able to confirm the validity of the charges. As a result my credit repot is blemished with this unauthorized account. I requested method of verification used to determine this debt is valid but they ignored my request. They have not practiced proper credit reporting procedures per FCRA.
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

I did a mortgage refinance closing in XXXX of XXXX via XXXX XXXX XXXX. The mortgage was picked up by Mr. Cooper who now owns the note. The refinance was done to reduce the mortgage to 15 year fixed rate with the option to make bi-weekly payments. Since XXXX, I've been calling and working with Mr. Cooper in an attempt to utilize their bi-weekly auto-pay function as a means to lower my total cost/interest fees. 
I've made 12 calls to Mr. Cooper and have submitted the bi-weekly payment forms three times to their representatives. In each case, I have completely followed instructions in terms of meeting all of their requirements to setup the auto-pay feature. Twice they have stated that they lost or did not have the application and once they stated that the picture of a voided check did not fully show the account/routing number. These seem like excuses as the account number was only missing maybe a single number from the view of the image and it was fully documented in their application. Each time, I had to spend roughly 45 minutes on hold and in speaking with representative attempting identify and resolve the issue. Today ( XX/XX/XXXX ), I've now submitted the application for the 3rd time after the previous entry was lost. The level of incompetence here is immeasurable and all the while I'm paying more in interested than is necessary.
Consumer complaint received 2019-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (SC)

My brother XXXX called in to make a minimum payment towards my XXXX XXXX account, when discussing the account with XXXX she wrongfully disclosed my entire account balance of {$1900.00} to my brother.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXXXXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payments were made on time, as evidenced by my bank statements and payment confirmations, which clearly show the payment was processed before the due date. These payments should not have been marked as late. 
Bank Processing Error : There was an internal error at XXXXXXXX XXXX that delayed the application of my timely payment. The error caused the payment to reflect as late in the system, even though I had sent the funds on time. I have attached communication records with XXXXXXXX XXXX acknowledging this error and confirming that the payment was received. 
Misapplied Payments : The payments were incorrectly applied to the wrong account due to a clerical error. I contacted XXXXXXXX XXXX immediately when I noticed the issue, and they confirmed the error. However, the late payment entries were not corrected in my credit report despite the banks acknowledgment of the mistake. I am attaching documentation of my communication with XXXXXXXX XXXX as further evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Home Depot has worked with the Federal Gov't or other law enforcement to engage in an inappropriate investigation into our home. This also involves XXXX. They set up a XXXX XXXX account under my husband 's old number XXXX. I'm having issues with XXXX above my head every time I go outside. Home Depot shows my IP address as XXXX XXXX, CA. This aligns to court signed documents, etc. This is also an XXXX issue. They are involved with XXXX XXXX. I live in XXXX at XXXX and they are trying to pin crimes on me! Home Depot never put my balance on the promotional rate offered after spending over {$290.00} on my last purchase. They changed my paper statements to e-bills so I would miss my bill and they put me in collections. This is so crazy! They don't acknowledge or investigate anything! Citibank COSTCO card is the same way with the zip code being in XXXX XXXX and the fraud too!
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Greetings, My name is XXXX XXXX and im submitting this complaint myself and there is no third party involved. It has come to my attention that your company IC SYSTEM is making a conscious effort of being willfully non-compliant of a lawful document that has been sent mailed multiple times certified mail, submitted through the CFPB multiple times, submitted the FTC, and submitted through the XXXX XXXX XXXX multiple times. These classified documents. Corporate policy does NOT AND HAS NEVER superseded federal laws of the FDCPA, Truth In Lending Act FCRA, and Title 15.

The complete disregard of my lawful documents and rights will not be tolerated. My consumer rights have been violated due to various US Codes and at this point I'm a victim of harassment and abuse by Wells Fargo. I will give 10 days as a courtesy for officers/employees/agents/CFO 's at your agency ( IC SYSTEM ) to review the documents I provided.It would be the IC SYSTEM legal departments best interest to do their due diligence and to settle this privately.One the enforcement of this lawful document goes into effect there will be NO further negotiations. I need to be contacted immediately regarding this matter. Attached to this complaint is a Validation of Debt, A Affidavit of Fact, that is due on XXXX XXXX. 

I don't consent to you marking my CFPB complaint as a duplicate.
Consumer complaint received 2020-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

After losing my job and my unemployment benefits expired, I did not have direct deposit for my checking account at Wells Fargo Bank. 

Wells Fargo Bank then started charging me a fee of {$15.00} a month. They said I must have direct deposit or I will get charged the {$15.00} fee.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MN)

I returned an item to Amazon.com on XX/XX/21 which was purchased with my Synchrony Amazon Prime Store Card on XX/XX/21. I returned the item via XXXX XXXX drop-off return option and was initially refunded for the item from Amazon, however on XX/XX/21 I was charged back {$51.00} from Amazon as they stated they never received the item. I tried to resolve this through Amazon, and they initially stated they would refund me, but this never happened so I eventually filed a dispute through Synchrony as they are the credit card issuer. I have since completed numerous redundant documents and forms through Synchrony and they have failed to resolve the issue. They have most recently even stated that I didn't complete one of their forms so they are closing the case, however I sent everything to them and have evidence to show this. Synchrony never even gave me a conditional credit on the disputed amount. I feel Synchrony is simply trying to avoid resolving the issue at this point and am asking for CFPB 's assistance as I don't feel this will be resolved otherwise.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2021-10-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WA)

XX/XX/2021 at XXXX I received a called from a person claiming to be a Wells Fargo fraud specialist and detected unusual activity. During the call the person on the phone broke into my Wells Fargo online banking and initiated a wire transfer of {$9800.00}. I immediately went to the bank and told them someone is pretending to be me and to stop them. My pin and online account info was changed immediately. During that the time I received a call from an actual Wells Fargo wire transfer team asking me about this and verifying it was me. The bank teller told me not to answer my phone. I feel had I answered my phone I could have prevented this wire from being completed. I was also assured by different bankers that my money would be returned to me. The claim was eventually denied and this person that the bank has knowledge on is still on the streets.
Consumer complaint received 2020-02-16
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. (WA)

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 
2. Identity Theft XXXX XXXX XXXX XXXX    Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. Identity Theft XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply
Consumer complaint received 2020-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (OR)

In XX/XX/XXXX, I started receiving letters from a MRS BPO LLC @ XXXX XXXX XXXX XXXX XXXX, NJ XXXX saying I owed {$17000.00} I know that this is a scam as I am well aware of my past and current debt and have had excellent credit for years. I sent them a response via certified mail requesting the original signed contract, the age of debt ( statute of limitations ), date of last activity and date of first delinquency and noted that re-aging is not legal. 
In XX/XX/XXXX, I received correspondence from MRS BPO LLC which consisted of 3 pages of hand typed columns with " {$11000.00} '' typed into each box with dates from XX/XX/XXXX - XX/XX/XXXX. 
The debt date is typed in as XX/XX/XXXX. 
A charge off date is typed in of XX/XX/XXXX. 
Date of last payment was typed in as XX/XX/XXXX. 
Date MRS bought the file was XXXX/XXXX/XXXX. 
Where my name and address should go, it listed a bankruptcy attorney 's name and address as : C/O XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX, WA. 
XXXX XXXX is a bankruptcy attorney in XXXX, WA. 

This is not a valid debt. MRS BPO LLC needs to be fined. 
The lawyer who is referenced in the address bar is also suspicious and needs to be investigated - If XXXX XXXX has sold her bankruptcy client 's files, she needs to be disbarred. 

I sent a cease and desist letter today to MRS BPO LLC.
Consumer complaint received 2017-06-02
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: Experian Information Solutions Inc. (TX)

On  XX/XX/2017   , I disputed the unauthorized inquires on my credit report as fraudulent and unauthorized. Within  24  hours, I received a reply from   XXXX   stating that the inquires are accurate and a factual record of the files accessed. However, they did not complete any investigation to verify the inquires. I have had my identity stolen 3 times within the year and these inquires are not mine. I would also like to mention, that none of these inquires are tied to a positive or negative accounts on my credit report. I have attempted to contact all the companies to have the inquiries removed and all the companies referred me back to the credit bureau as they have no active accounts tied to me name.  <P/> I have requested that the following inquires be removed :  XXXX   XXXX   XXXX   XXXX  An Inquiry that is tied to no name at all  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (LA)

I am writing to formally request your intervention regarding an ongoing issue with **Experian** regarding disputes I filed with them concerning accounts on my credit report. These disputes are directly linked to inaccuracies that arose due to the **XXXX  data breach**. Despite Experians assertion that they have verified the disputed accounts, they have failed to provide **certified copies of legal documentation** supporting their claims of verification.

The Fair Credit Reporting Act ( FCRA ) requires that when a credit reporting agency ( CRA ) claims to have verified disputed information, they must produce the **legal documentation** or other verifiable records that substantiate the accuracy of the information. Hearsay or internal data verification alone is not legally sufficient, and I have made Experian aware that such hearsay does not meet the evidentiary standards required in a court of law.

I have given Experian ample time to provide certified documents or remove the inaccurate accounts, but they have failed to do so. **Under FCRA Section 611**, if a disputed item can not be verified with proper documentation, it must be removed or corrected from the consumers credit report. Experians failure to comply with this legal requirement should result in the removal of the following accounts from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the CFPB demand Experian take immediate corrective action by either : 1. Providing the legally required documentation that verifies the accuracy of these accounts.

2. Removing or correcting the accounts as mandated under the FCRA.

Experians lack of compliance with FCRA regulations is a serious breach of consumer rights, and I respectfully ask for your assistance in ensuring that these inaccurate items are removed from my credit report as required by law. Please confirm receipt of this letter and provide any additional steps I need to take to resolve this issue.

Thank you for your time and assistance in this matter. I look forward to your prompt response.
Consumer complaint received 2017-06-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

STOLEN IDENTITY LEAD TO A BANK OF AMERICA ACCOUNT BEING OPENED AND USED UNDER MY NAME YET THEY DONT HAVE IT IN THE SYSTEM BUT ON ALL CREDIT REPORTS IT STILL SHOWS SOMEONES USING IT AND THE COMPANY REFUSES TO WORK WITH ME AT ALL.
Consumer complaint received 2016-05-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCB Management Services Inc. (IL)

I received a letter from NCB Collections attempting to collect a debt that I do not owe. I disputed the debt. They sent me a response letter with purported information that says I do owe the debt. However, as you will see, this application is not in my name ( not even the correct sex ), not my address, not anywhere close to me at all. In fact, NCB violated someone else 's privacy by sending me this information ( an XXXX XXXX to be exact ). Again, they did not verify the debt belongs to me, since what they sent me is for someone else entirely and they violated that person 's privacy by sending me their information. I am enclosing the dispute letter I sent to NCB along with their response and document.