davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc (OR)

XX/XX/2023 : I notified collector Williams & Fudge not to contact me at work. 
XX/XX/2023 : Followed up with a written request to cease contact at my workplace. 
XX/XX/2023 : Received a call during a critical work meeting, causing disruption. I have received multiple calls during my working hours, and each time I have reminded them not to contact me during my work hours each time and then disconnected. These calls violated FDCPA section 805. 

In addition to these calls, I requested debt verification on XX/XX/2023, but received it on XX/XX/2023, violating the 30-day time limit in FDCPA 809 ( b ). 

Three of the required statements in FDCPA section 809 ( a ) have ever been provided to me by Williams & Fudge.
Consumer complaint received 2023-10-27
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. (MI)

in 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 ( XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2015-09-20
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One. They sold the account some XXXX times over and was paid through my taxes. Each time they update it per your law that states Federal Law FCRA 623 ( a ) ( 5 ) cb ( iii ) Pursuant to CA law they are going beyond the statue of limitations as well ( full disclosure act XXXX ( 3 yr statue of limitation. This is year 7 It is listed as Capital One sold to XXXX XXXX another new date of XXXX was taken off on XXXX and then finally sold a XXXX time to XXXX and started a new date of XXXX. They have yet sold it again to a company out in XXXX, CA All of this is illegal and they are not following federal laws.
Consumer complaint received 2016-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (PA)

Reference to Case number : XXXX Unfortunately, the representative of US Bank did not address my complaint accurately and specifically explaining why the loan application was mishandled from the beginning : - I would have promptly clarified the contradictory information if was brought to my attention immediately without any delay. 
- As I mentioned, I have over 25 years of gainful, professional employment with XXXX earning a very good amount of money each month, with or without extra allowances and I have a saving over $ XXXX in my 401K - Still US Bank is challenged calculating basic math : My monthly income without allowances is XXXX. Common sense dictates that an employer would not give {$16000.00} for a house and car allowance. The actual house and car allowance. Equals XXXX a month. Please review your calculation again - I believe this process has been made particularly difficult and lacked transparency. I.E. I was not informed about the program requirements. Can you provide the DTI ratio? What is the minimum down payment? 
- As the process unfolded, I began to wonder if my status of being an XXXX living in the XXXX XXXX played a role. 
- This protracted process of securing a loan and its eventual denial caused considerable emotional anguish for me, my spouse and particularly for the sellers. 
- As a buyer, I can not recover from this failed transaction, because the seller put this special house right back on the market and immediately went into escrow.
Consumer complaint received 2023-10-26
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. (AL)

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.

has violated my rights. Or list of inquiries 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.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-10-26
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: Synovus Bank (MN)

I am writing to file a formal complaint against XXXX XXXX XXXX regarding a recent incident in which they conducted an unauthorized hard inquiry on my credit report. Despite my repeated attempts to resolve this issue with XXXX XXXX XXXX directly, the matter remains unresolved, and I seek your assistance in addressing this violation of my consumer rights. 

The unauthorized hard inquiry in question was made by XXXX XXXX XXXX for an auto loan, a credit application that I have never initiated. This inquiry appeared on my credit report without my knowledge or consent, causing undue harm to my credit profile and raising concerns about potential fraudulent activities. 

The details necessary for this dispute are as follows : - Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX - Date of Birth : XX/XX/2001 - Phone Number : ( XXXX ) XXXX I first became aware of this unauthorized hard inquiry when I reviewed my credit report, and upon contacting XXXX XXXX XXXX to inquire about it, I was met with an unsatisfactory response. Their claim that it was related to an auto loan application I never made is not only false but also deeply concerning. I have not applied for any auto loans within the past year or authorized XXXX XXXX XXXX to access my credit report for any such purpose. 

I am deeply troubled by this violation of my consumer rights, as well as the potential consequences it may have on my credit score and financial well-being. I kindly request that the CFPB investigate this matter promptly and take necessary actions to ensure that XXXX XXXX XXXX rectifies this situation by removing the unauthorized hard inquiry from my credit report. 

Furthermore, I am seeking a comprehensive response from XXXX XXXX XXXX outlining the results of the investigation and the actions taken to rectify the situation. Additionally, I request that the CFPB take appropriate measures to hold XXXX XXXX XXXX accountable for their actions. 

I appreciate your immediate attention to this matter and your assistance in resolving this issue. Please inform me of any actions or responses received from XXXX XXXX XXXX. I can be reached at the phone number provided above to discuss any additional details related to this complaint. 

Thank you for your efforts in protecting consumers ' rights and ensuring fair credit reporting practices.
Consumer complaint received 2016-01-15
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (SC)

I mistakenly took a {$650.00} loan/payday loan which the lender describes as an installment loan on XXXX/XXXX/15 because I had expenses I could n't afford. I did n't realize the APR was 388.28 % nor do I have a copy of the loan disclosure.
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (PA)

Equifax has me living at XXXX different XXXX, PA address. I have NEVER lived in XXXX, PA. So whatever collection is associated with this address should be taken off. 
Equifax XXXX reported an account from XXXX thru XXXX XXXX dated XXXX XXXX, XXXX in the amount of XXXX. I have n't had a XXXX account since XXXX. 
XXXX reported XXXX Insurance dated XXXX XXXX, XXXX in the amount of XXXX. I dropped XXXX Insurance in the year XXXX. In fact last year I received a XXXX refund thruPA Unclaimed Property. The XXXX XXXX XXXX XXXX for XXXX was paid this week. 
I tried calling Equilfax but was unable to connect because I did n't have a equilfax report number.
Consumer complaint received 2024-09-03
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (SC)

As shown in the document provided IC Systems is reporting incorrect and conflicting information on my credit report. I have no knowledge of this debt and this looks like an account that was opened during the time that I was utilizing a different XXXX for internet and cable. I believe this account ws open fraudulently and I may have been the victim of identitiy theft during the pandemic.
Consumer complaint received 2023-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC (TX)

I am using the online portal to make a payment, and I always get an RED ALERT ERROR. Says I must call in. Well that is simply ridiculous. This servicing company does everything it can to be difficult. I have been trying to pay this payment since XX/XX/XXXX. I have called and asked what the issue was. They did not know. The servicer then calls and asks why I have not paid. I tell them their system will not allow it. The servicer REFUSES to update my mailing address. While I still can get mail at my former address as it is a private mailbox, I want to discontinue the service and can not until this servicer will do what it LEGALLY should do.
Consumer complaint received 2023-10-26
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (TX)

I reported unauthorized transactions and they provided refunds on all but one transaction. They claim the withdrawal was made face to face with a merchant that I dont know who or where they are. I have repeatedly told them that. As soon as I couldn't find my card, I cancelled, changed my password and pin and enabled fingerprint on my account. They deceived me by telling me multiple times I would receive refund and that appeals were filed and they have done neither.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Enterprises International, Inc. (IN)

In accordance with the FCRA Fair Credit Reporting Act, this creditor has violated my rights under 15USC1681 Section 602 states I have the right to privacy. 15USC1681 Section 604 A Section 2 states that consumer reporting agencies can not furnish an account without my written consent or instructions. Under 15USC166B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

Commencing on or around XX/XX/, I fell victim to two multi-layered scam operations run by XXXX XX/XX/XXXXXXXX ) which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase bank account to fraudulent investment firm ( s ).
Consumer complaint received 2023-10-26
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. (FL)

After checking all three of my credit reports I noticed on all reports it showed this account that I have with this credit card company was a pay to delete account that I requested and also upheld my end of the arrangement by paying off in full over two years ago in counting. Not only did the credit company update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with TransUnion, XXXX and XXXX and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice for this account XXXX that has been paid for already. In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-26
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. (FL)

After checking all three of my credit reports I noticed on all reports it showed this account that I have with this credit card company was a pay to delete account that I requested and also upheld my end of the arrangement by paying off in full over two years ago in counting. Not only did the credit company update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with XXXX, XXXX and Equifax and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice for this account XXXX that has been paid for already. In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-26
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: EQUIFAX, INC. (GA)

I am concerned that these hard inquiries negatively impact my credit score, and I believe they were made without my full consent or knowledge. To my best understanding, these inquiries were not initiated by me, nor did I grant explicit permission for creditor to access my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have requested to XXXX XXXX XXXX to validate and verify the negative account they are reporting on my personal credit profile, including providing an acknowledged agreement and transaction history of how that balance was calculated. They have refused to provide this or any copies of documentation verifying this account, yet they have been willing to put this unverifiable debt on my credit report.
Consumer complaint received 2016-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Company admits their error in delaying loan modification resulting in negative credit reporting, yet refuses to correct their error on credit report. 

In a letter in response to the CFPB complaint on XXXX XXXX, XXXX, Wells Fargo clearly admitted their error when they stated : " A review of your account confirms that the information you provided to us on XXXX XXXX, XXXX, was the information that was required from you in order to clear title so we could move forward with the settlement of the loan modification. We are moving forward with the final decision based on the trial plan approved XXXX XXXX, XXXX and the modification approved XXXX XXXX, XXXX. We apologize for any inconvenience this may have caused. '' Inconvenience, really? The emotional pain and suffering from not being able to obtain housing, employment, rental cars, credit cards due to their erroneous credit reporting was beyond inconvenient. According to Wells Fargo 's own admission, they are directly responsible for the late payments they are reporting to the CRAs from XXXX XXXX to XXXX XXXX. 

However, this is not the end of the story. They had also unjustifiably denied my 2 other previous attempts to cure this delinquency. First, in XX/XX/XXXX after I had completed my 3 trial payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, they simply stated their reason for cancelling my loan mod was : " the program had changed and I no longer fit in the parameters of the new program. '' In their letter dtd, XXXX XXXX, XXXX, they patently lied when they responded to this allegation when they said : " you informed us that you were unemployed and unable to continue with the post-HAMP trial payments. '' The fact is that they refused to take another payment from me for the above mentioned reason of " no longer fit in the parameters. '' Again, in this same letter they completely fabricated the story that " they were not in receipt of the requested financial information. '' in regards to the special forbearance program I was approved for in XXXX but unable to complete after faxing my documents in no less than XXXX times. 

Wells Fargo initially claimed this was the case on the XX/XX/XXXX loan modification, but after I got the XXXX Attorney General involved, the truth came forward. If they initially lied about the XXXX loan mod, how hard is it to believe they also lied about the XXXX and XXXX attempts. 

I acknowledge that the initial delinquency in XXXX was my responsibility. But by every right, the first loan modification in XXXX should have been completed. Because of Wells Fargo 's error they have been reporting 56 late payments on my mortgage to the CRAs, which has completely decimated my financial life and has caused untold pain and suffering.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX  XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing in regards to Transunion sending me a copy of my credit report today. Which I did not ask for. The adverse accounts they are reporting are still inaccurate. Transunion is reporting incorrect dates of negative items being opened. I would also like to mention that Transunion is also committing the crime of identity theft. Transunion has to have my written consent to be reporting these negative items under law 15 USC 1681B Permissible Purpose. Which I have never provided Transunion or any other credit reporting agency. With written consent. Transunion is reporting incorrect dates of negative items being opened. From XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. There has to be maximum possible accuracy on my credit report under law 15 USC 1681 e ( b ) The dates opened are incorrect and I want these items removed immediately under the law I stated., Thank you, XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.