davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Former : XXXX XXXX Former : XXXX XXXX
Consumer complaint received 2024-10-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (GA)

I am a victim, along with what I suspect to be thousands of others, of mortgage/lending fraud perpetrated by large domestic and international companies. In essence, these companies are collecting money, and foreclosing on homeowners as though they have legal standing, but they do not. In my case, according to the Assignment filed in the County records, my Security Deed was supposedly transferred from ( Assignor ) XXXX XXXX XXXX, XXXX BY IT'S ATTORNEY IN FACT XXXX XXXX, XXXX at XXXX OCWEN LOAN SERVICING, LLC to ( Assignee ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS TRUSTEE FOR XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX SERIES XXXX, UNDER THE POOLING AND SERVICING AGREEMENT DATED XX/XX/XXXX. ( Please see Attachments A1-3 ). According to the filed document, this transfer took place first on XX/XX/XXXX and a Corrective Deed was filed on XX/XX/XXXX. But the cutoff date of submissions to the Trust was XX/XX/XXXX. And the closing date of the Trust was XX/XX/XXXX. The Pooling and Servicing Agreement/Prospectus which is visible on the XXXX  website, states that no loans can be assigned to the Trust after the cutoff date. I alerted the companies involved and the foreclsing attorney firm of their blatant illegal intent and action of foreclosure. They ignored me. And I was foreclosed on XX/XX/XXXX illegally. They have knowingly and willfully several federal and state laws : ( RESPA ) 12 U.SC. 2605. On XX/XX/XXXX, XXXXa letter from my servicer at the time, XXXX XXXX XXXX ( Attachment B ) informing me that the Assignment to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Series XXXX had already taken place. That was in XXXX. How could it have taken place in XXXX? Further, there was no XXXX XXXX XXXX, XXXX in XXXX as indicated on the Assignment dated XXXX XXXX. That company was defunct in XXXX or XXXX. Also, that same Assignment was robo-signed by the known robo-signer XXXX XXXX, who initialed everyone 's signature ( fraudulently ) on the document. They are also in violation of ( TILA ) - Title 15 U.S.C. 1641 ; Dodd-Frank Wall Street Reform and Consumer Protection Act ; Title 18 U.S.C. 1344 ; Title 18 U.S.C. 1001 ; Title 18 U.S.C. 514 ; Title 18U.S.C. 1341 ; Title 18 U.S.C. 472-474 ; Title 18 U.S.C. 495 and numerous State of Georgia and State of Florida laws governing their wrongful conduct.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

" 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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Consumer complaint received 2024-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/year> I secured a 0 % interest from XXXX XXXX, XXXX XXXX XXXX XXXX This balance transfer was to help pay off my XXXX XXXX. They sent the balance transfer to Barclays. 
Check was for {$15000.00}, the other check was for {$2900.00}. I have tried to resolve this issue daily for the last year with no results. Barclays will not respond as I do not have an account at Barclays as a result, someone transferred me to a scam line calling themselves the FTC. 
The FTC scammed me out of about {$150000.00} saying that they would secure my XXXX that I was calling about the first place. 
I ended up being forced to secure a loan, cash out from my already paid for house. In doing so the loan company required me to pay off XXXX XXXX  ( I have been making payments all along, trying to act in good faith ) As well as my XXXX XXXX The scammers also cleared out all of my bank accounts via credit card scam. I am a XXXX XXXX  on a fixed income, trying to resolve this more than a year.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

Since Experian assigned  XXXX   XXXX  from their consumer affairs department, I can not get any information from experian.com and I am not able to get the Experian annual credit report.
Consumer complaint received 2017-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I made a purchase in Victoria secret with my card and paid it off, because I was triying to avoid late fee. The purchase was of around  XXXX  dollars and they changed me in total  XXXX  dollar in late fee because they returned several payments and did not notify me of the return payment. I was sure that the information I gave was accurate and until today I have no Ideas why they return the payment.   They never notify me that they were changing late fee and other fee and when I already made payments that put a t 0  my balance.   there is an abuse of power in this regards of their fess and how conveniently there are  XXXX  charges so the account is neve r 0  hence need to to play and there is late fee. this is a vicious cycle that allows them to make late fees and other fees.I never had a problem like this with any credit card I had.   I call the center very frustrated with the problem and they did not wanted to tell me what the fee were about and just said your last balance which is not truth.   I find that they are deceiving and praying on people that count on paying they card on time and is not an honest policy to have.   This account also has problems with setup auto debit which I have been trying to setup but it either do not authorize the problem or when I try to do it it is there the option but does n't allow me to change the setting such as the payment info and the day.   Finally conveniently the date that is was due I could not log in but the next day I was able so how curious that that has happened to me several times, and I tried at different times during the day.
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (VA)

My sister passed away. I have a cc with the activation sticker still on it. Barclays is unresponsive. Whenever I reach a human, they say the account is open but they can not close the account and must transfer me to someone who can. I have been put on hold for 30 minutes on three separate occasions. Their complaint procedure found at   XXXX   XXXX   XXXX   says I may call  XXXX  and all I need are name and address, day time telephone number where we can contact you, and a clear description of your concern or problem. Calling this number does not permit me to follow the outlined process. It just puts me back into the same holding pattern for anoth er 30 m inute wait.
Consumer complaint received 2017-05-31
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)

My name  XXXX   XXXX   XXXX , and  XXXX   XXXX   XXXX  is reporting an account that is not mine. I have done several disputes with all  XXXX  credit bureaus and  XXXX  and   XXXX   have deleted the trade line but Equifax has not. The account number being reported is  XXXX   XXXX   XXXX  #  XXXX , opened on  XX/XX/2006   , and the balance is {$11000.00}. I have even filed a police report in the city of  XXXX  Texas and sent this to  XXXX   XXXX   XXXX  but the trade line continues to reflect on my credit and it has affected me so negatively that I am not able to purchase my home.     I would appreciate any assistance you can provide since I have exhausted all other avenues in getting this removed from my credit report.     Regards.    XXXX   XXXX   XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NH)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within ( 4 ) business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer XXXX Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXXXXXX XXXX in XX/XX/XXXX under account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account number XXXX and a credit card account opened at XXXX XXXX in XX/XX/XXXX under account numbeXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from my consumer credit report and all collection activity related. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NH)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within ( 4 ) business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer XXXX Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXXXXXX XXXX in XX/XX/XXXX under account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account number XXXX and a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from my consumer credit report and all collection activity related. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-10-02
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: CLGF Holdco 1, LLC (DC)

I recieved an unauthorized hard inquiry from an institution listed as " CB INDIGO '' on XX/XX/2024. 

I never had anything to do with this company and haven't applied for credit recently. 

I also recieved an email from Indigo Mastercard saying I wasn't approved. 

More info in the email : " Concora Credit Inc. services the Indigo Mastercard Program on behalf of XXXX XXXX, a Utah-Chartered Industrial Bank '' I called XXXX XXXX and XXXX -- numbers that were associated with the company -- they both claimed to be a debt collection company. I told them I never applied for the card and they said it would take XXXX days to investigate and get back to me. 

The same thing happened to two coworkers of mine on the same day and other people are talking about it on XXXX threads. XXXX XXXX XXXX
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: The CBE Group, Inc. (LA)

i have several collections for services i never received or authorized. from the   XXXX   XXXX   XXXX   for {$830.00}, cbe group for {$6600.00}, {$1400.00}. also,   XXXX   XXXX   for {$130.00} and i never signed or authorized any of these charges. Also child support is showing {$8200.00} and i never went to court and proved any paternity or took any   XXXX   XXXX   to prove myn relations. would you please assist me in removing these unauthorized accounts. thanks
Consumer complaint received 2017-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MacDowell & Associates, Ltd. (GA)

After being discharged from bankruptcy on XX/XX/XXXX. This particular law firm that harassed me all through the process was able to go back to the courts and claim that they have tried to reach me through mail and had sent the marshals to serve me all in the months of XX/XX/XXXX thru XX/XX/XXXX. None of which is true. I have lived in the same complex since XX/XX/XXXX. They claim is I owe {$1400.00} for a apartment where I once lived. This was in my bankruptcy. They have contacted me back then through different agencies. So since they made claim that they tried to contact me, they were able to have a Judge place a judgment lien on me. I only learned of these actions through a credit monitoring account I have. By the time I found this out it was too late. How ever I did reach out to the firm that represented me before and was told that he would try an get to the bottom of this and get it straightened out. But I have had no response from him. My rights have been so violated. I went thru all the steps required in my bankruptcy, and still this firm who has no regard for my rights have gone after me under cover and won..!!! What do I do..??
Consumer complaint received 2024-10-02
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: CLGF Holdco 1, LLC (AL)

I received a notice that my credit was ran on XX/XX/year> for a FEB/Destiny Card. I didn't make the request nor am i familiar with this company. I called the company and they expressed to me that a account was never opened with them. However i didn't make the attempt to establish credit with them. It dropped my score by XXXX points.
Consumer complaint received 2024-10-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC. (PA)

XXXX. Background : o On XX/XX/year>, affiants vehicle was illegally XXXX  by XXXX XXXX ( per, XXXX [ Ally XXXX XXXX  agent ] ), who were contracted by Ally Financial. 
o XXXX only has a contract with Ally Financial for the financing of vehicle. 
XXXX. Violations : o 15 USC 1692f ( 6 ) : No court order was issued for the XXXX  of affiants vehicle. 
o 15 USC 6802 ( a ) : Ally Financial contracted with and exposed/shared affiants personal information with XXXX XXXX, a non-affiliated XXXX party, without affiants knowledge, consent or authorization. 
o 15 USC 6803 : Ally did not provide clear and conspicuous disclosures to affiant o 18 USC 1028A : Ally Financial engaged in Aggravated Identity Theft by knowingly transferring, possessing or using affiants identification without lawful authority.

o 15 USC 1692a : Ally Financial engaged in abusive, deceptive and unfair practices by not informing affiant of the XXXX  and exposing/sharing affiants personal information without lawful authority.

o FTCA Section 5 : Ally Financial engaged in unfair or deceptive, or abusive acts or practices ( UDAAP ) by not providing proper disclosures and exposing/sharing affiants personal information without lawful authority.

o Dodd-Frank Act Section 1036 : Ally engaged in unfair, deceptive, or abusive acts or practices ( UDAAP ) by not providing proper disclosures and exposing/sharing affiants personal information without lawful authority. 
o XXXX peacefully objected to XXXX XXXX agent actions and asked agent to leave property. Per XXXX  XXXX XXXX regarding breach of peace, agent legally should have ceased/stopped XXXX  and obtained a court order to legally conduct XXXX. This claim be corroborated by a witness.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The following inquires and account doesn't belong to me please remove these items from my report. It is defamation to my character and report. I am very responsible and to see these items affect my score in such horrible way and not allowing me to make a purchase or to finance anything without being overcharged is overwhelming. I would like these things erased completely.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo has discriminated against me on multiple occasions. It was profoundly disheartening that every claim I submitted was dismissed without any investigation or consideration. Despite providing thorough documentation and clear evidence to support my requests, I was met with indifference and skepticism rooted in biases rather than facts. Each interaction reminded me that my concerns were overlooked as if my identity alone tainted my credibility. This pattern of denial not only undermined my trust in the institution but also highlighted a troubling disregard for equitable treatment, leaving me feeling marginalized and frustrated in a space that should have been supportive and fair. The last claim filed on XXXX wasn't even given an actual investigation nor did anyone from this company reach out to get more details, proof, etc. EVERY SINGLE CLAIM IS DENIED EVEN WITH PROOF!!!! Very racially motivated.