davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
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: Experian Information Solutions Inc. (CA)

i recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : TBOM/ATLS/ASPIRE Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX NA Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : XXXX don't XXXX this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2023-10-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: WELLS FARGO & COMPANY (PA)

I contacted Wells Fargo for a payoff letter XXXX weeks ago, they said they would provide within XXXX days. When I did not receive one, I called back. They then told me I would need to get it from XXXX XXXX XXXX XXXX in North Carolina. I called and requested a payoff letter from them. After XXXX  days I did not receive one. I called them again. They did prepare a pay off letter for XX/XX/XXXX and I received that yesterday. I emailed and requested XXXX for XX/XX/XXXX. 

In addition the payoff they sent me for XX/XX/XXXX was much higher than Wells Fargo quoted in their automated system and representatives I spoke to. Nobody seems to be able to tell me where the extra costs accrued and I don't even have a letter for XX/XX/XXXX. In addition after my call to Wells Fargo informing them I had a qualified buyer who wants to close XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX XXXX scheduled a foreclosure auction and sent Sheriffs to serve me with foreclosure paperwork. 

I am trying my absolute best to payoff this loan, but am being blocked at every turn. 

I was also notified I was in Covid Forbearance but it was not in any way reflected in what I owe. I need some help ascertaining if the house I bought for XXXX XXXX years ago will actually be almost XXXX to pay off now. I'm in a time crunch because my buyer wants to close on XX/XX/XXXX and right now I don't know or understand why the cost got so big, how I could owe this much money on this house. 

I have XXXX and XXXX XXXX exacerbated by the Covid isolation and really need some help getting out of this loan and landing on my feet. Ive applied for XXXX and am hoping that decision will be soon, but currently I'm looking at homelessness and a default on the loan despite my best efforts to repay my debt with a little left over so that I can move closer to family members and get the health care I need. XXXX XXXX  wait lists for XXXX  are in years now.
Consumer complaint received 2022-08-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (TX)

In XXXX, Target Credit changed my account from a regular store account to a regular Target MasterCard. I had this Target account for many years and had excellent credit. 

I made payments on this new card by phone just as I had always done with my old Target account. The automated would say my payment had been received. But when I would call to make the next payment the automated would say that I had skipped a payment or was late on a payment. This was very confusing as I always pay my bills and my XXXX score XXXX at that time. 

By the time I finally was able to get to the bottom of this my XXXX plunged to XXXX. They dropped my {$4000.00} credit limit to only {$1000.00} and that caused my score to drop so drastically. Evidently, my bank account number had been transposed in the transition from Target Store Card to Target MasterCard. 

After making a telephone payment with a representative, I asked the Target representative I spoke to on the phone to let me speak to a Supervisor. He said " there is no Supervisor to talk to. '' I even tried other Target telephone numbers to try to talk to someone else. I felt that my excellent payment history with Target should count for something. I do not believe this should have happened.
Consumer complaint received 2023-10-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: W&A Intermediate Co., LLC (MO)

Wakefield and Associates has multiple times during phone calls, threatened myself with jail time. They were recently sued for exaggerating the amounts owed in office and charging more than then the actual debt. 

Most of the time when I speak with them they are very hostile and unwilling to listen. I was told I was nothing at a point and that is why they sued me for medical debts. 

They are all around unprofessional and have only recently been acting professional toward myself since the lawsuit.
Consumer complaint received 2023-10-05
Product: Credit reporting 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)

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.

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 2022-08-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (MI)

XXXX apprivwd me for an installment loan on XXXX XXXX for funding next day on XX/XX/XXXX. I checked account and no deposit so I singed in and it started loan rescinded with no explanation. 
They denied me before for unable to verify identity but I spoke to them during application process and verified it. So when I got approved I thought it was good. I called and the woman couldn't give me information on what it was rescinded, she would not try to help me at all and says they emailed me reason but they did not. I have asked for a manager or loan officer to call me and discuss and they ignore my request
Consumer complaint received 2023-10-05
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I am doing my best to exercise my right as a consumer to not have my nonpublic information being reported on my consumer report pursuant to the Fair Credit Reporting Act, I have given this agency written instructions to cease the reporting of accounts stated in the attached dispute letter and they have denied my request which violates the FCRA. My financial information is nonpublic information and I have a right to privacy as well as to opt out of the reporting as required by law. Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a to report those accounts.
Consumer complaint received 2023-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AXOS FINANCIAL, INC. (NJ)

On XX/XX/, I received a letter from my mortgage company, Axos Bank, titled " Annual Escrow Account Disclosure Statement and Projection for Coming Year. '' Upon review of the letter, I found out that my mortgage payment has increased from {$2700.00} to {$3500.00}. Ever since, I have been trying to reach out to the bank for explanation of the sudden drastic increase in the mortgage payment but all to no avail. All I keep getting is a run around. Nobody seems to know who could answer my question. Consequently, I am turning to the Consumer Financial Protection Bureau ( CFPB ) for help.
Consumer complaint received 2023-10-05
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2020-03-05
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: Experian Information Solutions Inc. (NJ)

Lender : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Loan Amount : {$23000.00} Date Closed : XX/XX/XXXX Amount Paid in Full : {$23000.00} As of XX/XX/XXXX XXXX XXXX XXXX has yet to assist with accurate reporting, after Account was Closed and Paid As Agreed, as well as reporting derogatory items Foreclosure/ was a repossession. After numerous disputes dating back to XX/XX/XXXX.
Consumer complaint received 2020-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX I called up my credit card issuer who is Bank of America to dispute a charge made on XX/XX/XXXX based on the fact that the merchant did not deliver said services according to what was promised as advertised. I had paid for XXXX XXXX XXXX for my fiance in XXXX for services in advance back in XX/XX/XXXX. According to the merchant, who is XXXX  XXXX XXXX located in XXXX, XXXX, I was promised for a XXXX XXXX XXXX XXXX XXXX XXXX package deal and had a contract signed by my fiance and the merchant which clearly mentioned that any XXXX XXXX XXXX sessions not used may be refunded. The technician working at the clinic, XXXX told my fiance that whatever sessions remained would be refunded and that she needed to clarify with the doctor to confirm this. After waiting several months we have yet to receive any clarity or answer or let alone a refund for the remaining laser hair removal sessions. This is when I decided to contact my credit card issuer on XX/XX/XXXX to dispute this promised refunded amount which came out to about 30 % of the total price paid in advance which came out to be {$440.00}. My credit card issuer then looked into the matter on XX/XX/XXXX when I spoke with XXXX at XXXX XXXX as she said to send in invoice showing proof of payment. I then get a denial letter on XX/XX/XXXX mentioning that the amount for the services was correctly billed. Again I had mentioned in my initial dispute call to Bank of America on XX/XX/XXXX that I was not promised the advertised services and was promised a credit refund to about 30 % of the total prepaid amount that I paid for the laser hair removal package which came out to be {$1400.00}. So 30 % of the remaining sessions that my fiance did not use would come out to a refund of {$440.00}. We contacted the merchant but they keep giving us the run around. I am attaching the contract that my fiance signed at the clinic and the invoice amount billed for {$1400.00}. I urge you look into this matter as we have exhausted all patience. Kind thanks.
Consumer complaint received 2022-08-31
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX Date Opened XXXX Balance $ XXXX-Late/Open Late Dates XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XXXX Balance XXXX XXXX-Late/Open Late Date XX/XX/22, XXXX XXXX XXXX XXXX Date Opened XXXX Balance XXXX XXXX-Late/Closed Late Date XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting 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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX5 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.
Consumer complaint received 2023-10-05
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: EQUIFAX, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-07-31
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: NAVY FEDERAL CREDIT UNION (MD)

My name is XXXX XXXX XXXX. I'm disputing this compliant because I applied to an apartment and I was denied because of inaccurate information on my credit file. I am a XXXX  sister  and i have been having a lot of problems with my credit. My XXXX name is XXXX XXXX XXXX SS # XXXX. 
( Report ID # XXXX ). XXXX XXXX XXXX ( XXXX ). 

1.I am disputing Navy Federal . I only have a debit card, and never had a charge off with them. Date XX/XX/16. Amount {$9500.00}. 
2. XXXX  XXXX I am disputing - I have never had an account with them. Amount {$410.00} 3. XXXX XXXX- I am disputing because i never had an account with them. Amount {$650.00}. 
4. XXXX XXXX XXXX Card- I am disputing I never had an account with them. 
Amount {$250.00} I am also disputing the inquires on my account from XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX Card. 
Please forward correspondence to my address at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX.
Consumer complaint received 2020-01-17
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc. (NC)

There was a phone call made to resolve the debt from my phone for a settlement. I was listening in and the rude XXXX XXXX was aggressive on the line stating he wants a payment in full, I asked if they dont settle and he stated, I said it three times already pay this in full. XXXX XXXX obviously has issues with numbers and cant count because he did NOT state anything three times and demanded payment. He gave out the balance on the account without even attempting to verify any piece of information on the phone such as street address, date of birth, or social. Therefore ; my private information was given to a 3rd party without authorization.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Fay Servicing, LLC (GA)

My loan was under bankruptcy until XX/XX/XXXX. Fay was paid at 100 % through the bankruptcy- those were the arrears. I never stopped making my own payments through my bank- automated. My bank sent a check to them every month. Fay sent me a payment ledger showing my payment dates and the payments received BUT their 24 month payment ledger does not match up and thus they reported me late from XX/XX/XXXX ( XXXX payment ) through XX/XX/XXXX. I have NEVER been late while in bankruptcy and the arrears of {$16000.00} was paid out at 100 % per the bankruptcy court. I have been contacting Fay for the last 3 weeks and have consistently been met with inconsistent reasons for the error and mismatch of information. I have also provided them with the documentation they provided me because they claim to no longer has access to the records since the account has been paid off. I am under contract on another property and their lack of attention to resolve this issue is costing me. They have violated FCRA laws and even federal laws if you dig deep enough. I have payment history and their documentation to show that the reporting is erroneous- but they are taking their time, if they are even doing that, to resolve the issue. The US Trustee has also confirmed the payment dates and amounts that Fay doesnt match up to either. If the past due amount was paid out at 100 % and we never stopped making payments once in the bankruptcy, how in the world do I come out of a bankruptcy past due??? They told me they applied one of my payments to escrow- once I told them they couldnt do that, they backtracked and said they didnt. They would research and get back to me XXXX XXXX has yet to respond to me.
Consumer complaint received 2022-03-22
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: Experian Information Solutions Inc. (TX)

The Credit reporting agencies are reporting a credit card account to my credit report. I am the lien holder of this credit card account and have not authorized anyone to report this account to my credit report. I also requested a copy of a contract that authorizes XXXX, Experian or XXXX to report this account to my report. The account I am referring to is XXXX XXXX Account credit card account number XXXX. I have invoked all of my rights to this account, XXXX XXXX XXXX