davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$240000.00} XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2023-02-11
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. (NY)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX, I submitted a CFBP Complaint to all 3 Credit Reporting Agencies ( TransUnion, XXXX, and XXXX  ) regarding this hellacious over a year long battle with all three agencies in trying to get fraudulent bankruptcies removed. Recently, XXXX, responded back stating they would block the bankruptcies provided, that I provide the supporting documents required for Identity Theft. I've provided a multitude of supporting documentation regarding the I.D.Theft /fraudulent bankruptcies I never filed in XXXX. This past week, I got results back from my dispute of the bankruptcies filed in XXXX from all three XXXX 's states - XXXX  ( XX/XX/XXXX ), said that the bankruptcies will remain on my credit file, and XXXX has certified the bankruptcies filed were confirmed as being accurate. XXXX  the same day ( XX/XX/XXXX ), also completed their investigation of the dispute saying XXXX the furnisher of information has verified bankruptcies are accurately reporting an will remain on my credit file until XXXX. TransUnion sent me their investigation resolution via mail around ( XX/XX/XXXX ), indicating XXXX has confirmed and verified the two bankruptcies as accurate. The issue is not the validity of the bankruptcies being filed ( XXXX, XXXX ), however, it was my personal information used, without my knowledge or consent. Now, the furnisher of information XXXX, in XX/XX/XXXX confirmed to me verbally that the two bankruptcy cases ( XXXX, XXXX ) were removed from my file. XXXX had gone even further, by providing to me a secure passcode that I could view/print the information they show in there system. 
I printed a copy of my XXXX file, and the bankruptcies were removed I provided a letter from XXXX dated XXXX XXXX, stating the two bankruptcies have been deleted from their files due to i.d.theft. In this last dispute with all three CRA 's, I sent certified mail to each CRA 's disputing these two bankruptcies on my credit file, however, all CRA 's responded saying missing identifying information therefore they have disposed on my documents. How are ( XXXX, XXXX, and TransUnion ) verifying information with XXXX the furnisher of information that doesn't exist according to XXXX. Unless each CRA can provide to me a copy of their investigation via XXXX, that will show a valid and confirmed investigation report with XXXX confirming the reporting of bankruptcy cases ( XXXX & XXXX ) as accurate. Either the CRA 's or XXXX is attempting to misled the consumer, and /or providing false information to the consumer, denying method of their investigations, witholding accurate reporting information, conspiracy in defauding the consumer of rights and liberty, which violates The FCRA/FTC Rights and Rules. Lastly, I am disputing these bankruptcies with all three CRA 's and XXXX. Also, the inaccurate reporting of the filed date in bankruptcy case XXXX.
Consumer complaint received 2023-02-11
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 Federal Protected Consumer Rights to my privacy and confidentiality under 15 USC 1681 Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated MY RIGHTS. 
In accordance with the Law 15 USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 : IT ALSO STATES CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 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 USC 1681S- ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING RELATING TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE
Consumer complaint received 2024-09-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I went to make a withdraw from my account. I gave the teller my photo ID which is on file. I asked to withdraw the amount which would have left a balance to avoid fees, giving the teller a very close amount. I was than asked for a debit card. I explained I was never issued XXXX. I was than asked to access a password from my cell phone. I use a land line. I was denied access to my funds. I came back home and gathered my bank folder and went to another branch. I went to close my account with the bank issued check given to me when I opened the account and yet again was denied access to my funds. I explained when I opened the account that I do not do online banking and that did not seem to be a problem when I was depositing funds. The sudden need for a password on line was not shared with me until I wanted to withdraw funds. I have since tried to call XXXX customer service #. First took my complaint but offered no solution. It was not at all professional I had to ask the rep to repeat twice because of laughing in background. I couldnt get through to the second because it asked for a debit card # which I was never issued, and had no other options. I tried to reach out to XXXX other branches but both mangers were to busy to take my calls. This interest rate is now considerably lower and not being able to move my money is costing me money
Consumer complaint received 2024-11-01
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. (GA)

RE : Late payments reporting on my Equifax consumer credit report To whom it may concern, I, XXXX XXXX XXXX XXXX, am a natural person, and I am physically submitting this dispute letter. This dispute letter is NOT being submitted by a third party. I recently received an updated copy of my Equifax consumer credit report. I noticed some late payments posted on my consumer credit report related to the following accounts : ACCOUNTS ACCOUNT # XXXX/ XXXX ending. xxxxx XXXX Reporting violations XXXX day lates in XXXX of XXXX ; XXXX day lates in XXXX -March of XXXX ; XXXX day lates in XXXX of XXXX XXXX XXXX ending. xxxxx XXXX XXXX violations XXXX day lates in XXXX -March of XXXX XXXX XXXX ending. xxxxx XXXX XXXX violations XXXX day lates in XXXX of XXXX ; XXXX XXXX day lates in XXXX of XXXX Equifax is in clear violation of the law. Under 15 USC 1681b Permissible Purpose of Consumer Reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any credit reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS. Except as provided in paragraph ( XXXX ), the term credit report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer credit report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with the deletion of the above-referenced accounts and a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking damages of {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 USC 1681n ] I look forward to your timely response.
Consumer complaint received 2024-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

I am a long term Wells Fargo customer with no issues until now ; I was fraudulently charged {$960.00} via XXXX XXXX Wells Fargo makes no attempts to ask me what happened denied my evidence and proof I did not authorize this transaction I report Wells Fargo and they do not contact me to ask my side of the story and try to resolve instead they assign the same case manager who calls and says someone will resolve in 10 days then she calls and says they will side with the claims department this is unfair and not a good practice for consumers.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-09-12
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (TX)

When I first got my car it was XXXX for a XXXX XXXX XXXX that I got in XXXX I was making payments of XXXX every month up until after I was making my payments my balance was just getting higher and higher and every month since XXXX they still charging me and running up the balance credit acceptance never reached out
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX XXXX # XXXX Dear Credit Bureaus, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a matter of discrepancy in my credit report that requires your urgent attention. 

I have recently reviewed my credit report and I have discovered several errors that are affecting my credit score. The discrepancies include outdated and inaccurate information about my payment history, incorrect account balances, and duplicates of certain accounts.

These errors have caused a significant decrease in my credit score and have made it difficult for me to obtain credit when I need it. I understand the importance of maintaining an accurate credit report and I request that you take immediate steps to correct these errors.

I have attached a copy of my credit report, highlighting the discrepancies that require your attention. I have also included documentation supporting the correction of these errors.

I request that you take necessary steps to delete the incorrect information as soon as possible. I would appreciate a prompt response to this letter and I look forward to hearing back from you soon.

Thank you for your attention to this matter. I am confident that with your cooperation, we can resolve this issue quickly and efficiently. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-05-16
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: Experian Information Solutions Inc. (GA)

I recently applied to refinance my car and I got denied. I don't understand why I would be denied because my income and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand how this could happened but these items are not mine and they all need to be deleted from my credit report. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX. XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, DEPTEDXXXX, XXXX XXXX XXXX, US DEP ED, DPT ED/XXXX,  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX, DPT ED/XXXX, XXXX XXXX XXXX. INQUIRIES : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX 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 2023-02-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

The first thing I need to express and include for the record is that I am a licensed XXXX  in the State of GA, license number XXXX, and also a licensed XXXX XXXX XXXX, license number XXXX in the same state. 
This beginning of this nightmare with the three companies regarding my concerns, XXXX XXXX  ( processor and alleged lender of my VA home loan on XX/XX/XXXX ), XXXX XXXX Bank ( alleged holder of my loan " after closing '' however this was NOT DISCLOSED TO ME AT CLOSING, NOR IN THE CLOSING DOCUMENTS AT THAT TIME. Had I known this, since I am quite aware of XXXX XXXX Bank practices regarding certain minority communities, I would have NOT CLOSED my VA loan. 
The third company is Carrington Mortgage LLC. This is the alleged company that either was assigned as service company for my VA loan or purchaser of the loan from XXXX XXXX Bank. I am still not sure as to which of the about is correct. Carrington Mortgage and well as XXXX XXXX Bank refused to answer the question. 
During the covid 19 epidemic XXXX XXXX Bank attempted to foreclose on my home beginning in XXXX to XXXX XXXX. This illegal action was stopped by both a complaint to Congressman XXXX XXXX office, GA 4th District, and my complaint to Legal Shield attorneys. 
After the covid 19 forbearance ended XX/XX/XXXX, Carrington Mortgage LLC failed to process their required documents sent to them via fax, email and even fax from a local XXXX XXXX store in XXXX XXXX GA near my home. A complaint to a VA loan representative, XXXX XXXX, was needed to halt the most recent foreclosure attempt by Carrington Mortgage / XXXX XXXX Bank. 
Also, both of the above companies are continuing adding FEES to this account and sending MY CHECKS BACK TO ME WHEN I ATTEMPT TO PAY THE ACCOUNT. 
This process is what both, I learned today from online search of Carrington Mortgage LLC, are doing to INFLATE loan amounts on homeowners and cause alleged PAYMENT SHORTAGE leading to foreclosures in GA and elsewhere. The information located today about Carrington Mortgage LLC was shocking and new to me in that Carrington Mortgage LLC was FINED BY CFPB in XX/XX/XXXX for the same violations as was XXXX XXXX on their recent fine of millions of dollars to bank regulators. 
As XXXX veteran, retired local XXXX XXXX and concerned citizen about senior fraud and abuse in the mortgage and insurance industries, I determined that this complaint had to be submitted. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-14
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: EQUIFAX, INC. (CA)

According to the FDCPA, specifically 15 US Code 1692 ( c ) ; this is my formal declaration to terminate and cease all communication from you in regard to the debt you are attempting to collect.

In response to the Ceasing Communication Notice, in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place. 

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication, confirming your acknowledgment of this letter, is in violation of the FDCPA. 

In addition, any third party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease communication a lawsuit will be commenced against you. 

Accounts in question : XXXX XXXX XXXX - {$76.00}, XXXX XXXX XXXX XXXX - {$290.00}
Consumer complaint received 2023-02-11
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: Experian Information Solutions Inc. (TX)

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report does not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX, XXXX and Experian is reporting late payments on XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX, XXXX or Experian written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states 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 method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Consumer complaint received 2019-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

My mortgage account was with XXXX. It got transferred to Loancare because XXXX filed for bankruptcy. With XXXX, I had enrolled for direct withdrawal of monthly mortgage from my bank account. 

Loancare sent a letter detailing the new account number. The letter also had payment vouchers asking me to make the next mortgage payment along with the payment vouchers. I assumed my bank details are not transferred from XXXX to Loancare and hence they are asking me to send payment along with the voucher. 

After the above payment was made and credited to my mortgage account, Loancare sent me another letter saying that my morgage payment will be withdrawn from my bank. Apparently my bank details were transferred from XXXX to Loancare. I have tried calling Loancare customer service couple of times. After waiting for an hour on line, I gave up both the times. In the meantime, my bank account was debited for 2nd payment this month. I have sent them email ( including to C level executives ) requesting that refund of the 2nd payment because I need it to pay my other bills for the month. There is absolutely no response.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

My first letters to the credit bureaus regarding this account were in XX/XX/2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around XXXX XXXX last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX, FTC and the Attorney General for Florida.