davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-10-08
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. (TX)

The Credit Bureaus have been ignoring my requests for the correction and update of the disputed accounts that are reporting erroneous information on my Credit File. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required to report accurate information and verify the accuracy of the accounts and information on a consumer 's Credit File. Also, the Credit reporting Agencies have failed to respond to my dispute letters that I have been sending to them. These action by the Credit Reporting Agencies is a clear violation of FCRA and is punishable by law. I am submitting this CFPB complaint to request to the Credit Bureaus once more to correct, update and or remove the following accounts on my Credit File that continues to report erroneous information : XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$6000.00} DEPTEDXXXX XXXX Balance Owed : {$23000.00} DEPTEDXXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}. Also, I have been requesting that the Credit Bureaus send me copies of proof of verification from their investigation of my disputes. However, the Credit bureaus have been failing me and were not able to send me copies od documents I have been seeking.
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CO)

We had assigned a charge card for an employee, XXXX XXXX, in XXXX. On XXXX, When the employee left the company, we submitted in writing to our business consultant to cancel card. Our business consultant was XXXX XXXX XXXX XXXX were documented to request the cancelation effective immediately on XXXX. 

On XXXX our bookkeeper documented that there was no reversal and that the card fee was still on the account. We sent an additional email to XXXX at AMEX to refund any credits and cancel the card. 

On XXXX our bookkeeper said AMEX still charging renewal fee for inactive employees card. Contacted AMEX and asked if there was any activity on the card and they confirmed there was none. 

I explained how we had submitted several requests in the past and that card should be canceled. First gentleman XXXX ( chat ) said he would cancel. I approved and asked for a manager to discuss credits for card that was requested cancelation in XXXX. 

Minutes later, XXXX came on line and offered cancelation. I told her XXXX said he was canceling and she said card was still active. I asked again for a XXXX time now, to cancel the card. She responded " card is now canceled. '' I then asked, with our history of asking for a cancelation, and showing zero activity on the card, can we get credit for the fees charged since we have in writing our request to cancel? 

She responded, fees are " non-negotiable '' and will not be credited. I then asked how this is possible since we have documentation requesting that the card be canceled in XXXX? 

She responded with fees are non-negotiable again. 

This is unacceptable and charging fees on a card that has been requested is not fair to any individual, company, or account. As a fiduciary responsibility, AMEX should respond to a request and in a timely fashion to avoid any undue financial hardship from any clients submitting requests. 

In this case, AMEX has benefitted financially by responsibly completing their duties and it violates their fiduciary responsibility as a financial institution.
Consumer complaint received 2022-07-01
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: Self Financial Inc. (PA)

Dear Self. Inc, I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private nonpublic information. Personal nonpublic information is defined as Personally identifiable financial information ; and any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available pursuant to 16 CFR 313.3n ( 1 ) ( i ) and 16 CFR 313.3n ( 1 ) ( ii ). As of today, XXXX I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private nonpublic information. 
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number, Therefore I am demanding you, your company and affiliates delete this account off on my credit report within 10 business days for infringing on my right to privacy. 
I am giving your company 30 days to update my request and cease & desist furnishing my nonpublic information. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights. 
Best regards,
Consumer complaint received 2022-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I am having trouble with continuing conflicting information coming from XXXX XXXX XXXX, my loan servicing company. I think they are purposefully withholding information, lying, and trying to get me to miss payments so they can foreclose on my property. This isn't the first time either. Recently XXXX XXXX XXXX processed my loan modification after refusing to do so before CFPB became involved. Then, they sent me a letter in the mail on XX/XX/XXXX saying they would not be accepting payments as of XX/XX/2022 because they sold my mortgage to another company. I tried to call XXXX XXXX XXXX to verify this information but the phone system forwards my call to a company called Mr. Cooper. The written letter I received from XXXX states a company named Nationstar Mortage LLC d/b/a RightPath Servicing will start accepting payments on XX/XX/2022. So I followed the instructions and went to the website listed on the written letter. I entered my loan number and a welcome message appeared stating account access will be available on XXXX. There is no way to make a payment on this page or anywhere on their site. The site does state that late fees will be waived but I do not desire to make a late payment. It is also worth noting that the first thing that comes up when searching for Nationstar or Mr. Cooper is an order where they were required to pay approximately {$73.00} XXXX dollars in redress to over XXXX people they harmed in a seemingly similar way. I looked further into the questions and answers on the Nationstar page. At the bottom of the page it says that payments made to the previous loan servicer will be forwarded to Nationstar. So I logged back into the XXXX XXXX XXXX web page and processed a payment there which goes against the instructions I received from XXXX but I do not desire to make a late payment at all.
Consumer complaint received 2024-10-17
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. (PA)

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXX/XX/XXXX Balance : {$4200.00} XXXXXX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX TODAYS XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX  XXXX XXXX XXXX FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX  XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXt typeApartment complex XXXX XXXX XXXX DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX Phone numbers do not belong to me XXXX XXXX XXXX XXXX Cellular ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular EMPLOYEES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-07-01
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: U.S. BANCORP (TN)

I have tried resolving this issue several times via phone and disputing by mail. They are in direct violation of several FCRA federal laws. The laws are as followed : Section 609 ( a ) ( 1 ) ( A ) : I have requested they provide me with proof of this alleged item, specifically the contract, note or other instrument bearing my original signature. In which they have not done so. Failure in providing me with this information must result in immediate deletion from my report.

In accordance with Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the FCRA that states with proof of identity theft that the information most be removed and blocked within 4 days upon receipt of the correspondence. Which I provided notarized copies of my police report and identity theft that I received from the FTC. Only to receive a response from the credit report agencies that the information remain and or updated. Which is a direct violation.

In accordance with the Fair Credit Reporting Act your agency 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 an account without my written consent or instructions.
Consumer complaint received 2022-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc. (IL)

I filed a previous complaint against AR Resources , Inc. number XXXX, regarding their unfair, deceptive and misleading business practices. They blatantly disregarded my request for compensation in the documentation I provided due to their civil liability for violating my federally protected consumer rights under the Fair Debt Collection Practices Act. I also contacted AR Resources , Inc. by mail on XX/XX/2022 which they received XX/XX/2022 and they still have not responded. I'd also like to note that in my previous complaint number XXXX, AR Resources , Inc. stated they closed account XXXX in their office due to fraud, which they have both evidently and willfully committed against me. The documentation I provided is proof of that, so I'm giving them the chance to act in good faith and rectify their affairs for their unlawful business practices before I proceed with litigation.
Consumer complaint received 2022-05-19
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: CITIBANK, N.A. (MO)

Someone used my identify and opened a credit card with BestBuy/Citi on XX/XX/2021. The person put on three purchases totaling approximately {$12000.00} without any payment. The phone number was not mine.

I was totally unaware of the account ( no statements ever reached me ) until yesterday when my other credit cards were frozen due to the severe late payment on this credit account unknown to me. Three credit bureaus downloaded my credit scores as a result. 

I reached out to Citi Card ( Identity Theft : XXXX ) and Best Buy Fraud department ( XXXX ). Best Buy Fraud said they will start an investigation, which may take 3-4 weeks to conclude. Citi Identity Theft said they can only protect me from future problems, they can not help me with this incidence. 

XXXX took off the BestBuy/Citi card from my report. XXXX did nothing of the kind. I am still waiting for XXXX to resolve my dispute. 

I don't understand how could someone use my identify to open a credit card at Citi/Best Buy? How could this go on for 11 months without detection? I worry this would drag on forever before things can be cleared. Please help. Thank you!
Consumer complaint received 2020-09-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MO)

I obtained a mortgage payoff for a refinance. I bought the home for {$59000.00} in XXXX. In XX/XX/XXXX I owed {$50000.00} on the mortgage. When the payoff arrived, it was inflated to {$64000.00}. Wells Fargo claimed this was for escrow. I have records where the payments were applied to escrow. So it's not possible that I owe {$64000.00} when the loan balance is {$50000.00}
Consumer complaint received 2022-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (TX)

Bank and mortgage company are merging. 

I do not have online access to make my mortgage payment. Calling on XXXX number just says to hold for hours on the phone. Just get continuously told to hold on for next rep. No rep comes on.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Incorrect Reporting of Late Payments on Closed Account Dear CFPB, I am writing to file a formal dispute regarding inaccurate reporting by [ Credit Card Company Name ] to the credit reporting agencies. Specifically, they have reported late payments on an account that was closed on [ Date of Account Closure ]. The details of the account are as follows : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX Credit Card Company : Lowes Credit Services Date of Account Closure : XX/XX/year> Upon review of my credit report, I discovered that the credit card company has continued to report late payments after the account was closed. This is a clear error, as no further activity has occurred on the account since its closure, and no payments were due following that date. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I am requesting that the CFPB investigate this matter and that the late payments be removed from my credit report as they are not valid. 
For your reference, I have enclosed the following documents : XXXX. A copy of my credit report showing the late payments being reported. 
XXXX. Documentation from [ Credit Card Company ] confirming the date of account closure. 
XXXX. My correspondence with the credit card company regarding this issue. 
I respectfully ask for your assistance in rectifying this issue and ensuring that my credit report accurately reflects my financial history. I look forward to your prompt investigation and resolution of this matter. 
Thank you for your time and attention. Please feel free to contact me if you need any additional information. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FEDChex Recovery, LLC (TX)

FCR Collection Services claiming to be attempting to collect an unpaid water bill for the City of XXXX XXXX Texas. 

Incessant calls. When I finally spoke to them I asked them to verify the debt in writing and provide to me their legitimacy to collection the debt. Gave them a valid address. No written communication was ever received so assumption was it is fraud. This is for a claimed unpaid water bill when I had the water bill on auto pay ( debit ) so makes no sense that I owe anything as the City would have just debited my account. Further when I tried to contact the City of XXXX XXXX, Texas, their water department refuses to provide me with any information. 

On XX/XX/XXXX ( yesterday ) spoke with FCR Collection Services once again. Their representative acknowledged that they did not send me any written communications but now promised to. 

Their failure to send written communications after our first phone call ( they have never sent written communications ) I believe is a violation of federal law.
Consumer complaint received 2016-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (WI)

I applied for refinance payed {$660.00} to my existing mortgage bank Wellsfargo Process was canceled with out any notification Sent many emails asking for the status of the refinance and got no answer Asked supervisor to look into the problem and did not resolve my issues Can I file small claim in my state of Wisconsin to try to get my money back?
Consumer complaint received 2024-09-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

recently Bank of America reported an inquiry that I did not apply for. 
I already haver had the same card for years the in query is not me and had been on on alert on my report