davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Reinvestigation of Inaccurate Information on Credit Report Dear Sir/Madam, I am writing to request a investigation of the following item ( s ) on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter.

Disputed Item ( s ) : Account Name : XXXX  XXXX Account Number : XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-25
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: EQUIFAX, INC. (MO)

This is not a duplicate request nor filed by a 3rd Party Credit Repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c2 ) that you, XXXX a consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at 1.Validate Account XXXX XXXX XXXX Account NumberXXXX XXXX has not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 2.Identity Theft. 
XXXX XXXX XXXX Account NumberXXXXXXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Consumer complaint received 2024-09-11
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. (PA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2023-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

My loan servicer for loan consolidation for PSLF was XXXX. From XXXX to XXXX I applied for PSLF four times. On XXXXXX/XX/XXXX, that loan was transferred to Mohela to process PSLF. My first employer for PSLF was approved on XX/XX/XXXX, and the second on XX/XX/XXXX. Also on XX/XX/XXXX, my IDR paperwork ( which I submitted twice ) was approved, and twice I requested forbearance while they sussed out the XXXX payments count. Today Mohela raided my bank account without warning, and took over {$1100.00}. Im unemployed, and my IDR payment was {$0.00}. *I never, ever gave Mohela my bank account info, and can only assume that they imported it from XXXX XXXX XXXX I also cant remove my bank account info, since it appears nowhere on the Mohela website. I have no idea where they store my information, when I will be charged, how much I will be charged, and how frequently. I received no billing statement prior, and have no idea how they came up with this dollar amount. This is insane. I feel like I have no choice but to close this bank account so that I can pay other bills, because Mohela is literally stealing from me. How did this criminal enterprise come to be in charge of PSLF? I feel like Im being punished for public service, and they are *impossible to reach*, the website is nonfunctional its a complete disaster, and I want my money back from these thieves.
Consumer complaint received 2023-03-22
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)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681, section 604A, section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC1666b, a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-21
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. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MS)

Upon recently investigating my credit report from all 3 bureaus, I found an item that has caused XXXX XXXX and stress. This item, a collection action/account named as CCS ( Credit Collection Services ) is inaccurate, unverifiable, invalidated and questionable. The Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. This account is not verified ; the Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year>, I made a wire transfer for the amount of US {$9000.00} using the Wells Fargo application online. 
Wells Fargo gave me a confirmation number ( XXXX ). 
The receiver never received ANY money. The recipient was XXXX XXXX, at XXXX bank in XXXX, account number XXXX. I got on the phone along with XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX verified that the account for XXXX never received any wire transfer for any amount on or around that date when I sent it. The routing number for XXXX for the transaction was XXXX. 

I contacted Wells Fargo and filed a complaint. They came back months later and said that the money was sent successfully. XXXX asked for trace, which Wells Fargo, supposedly initiated 3 times. According to Wells Fargo, XXXX never responded to the traces and there is nothing else that Wells Fargo can do. 

Wells Fargo indicated via phone that unless there is a court order, they can not give me the money back. I contacted various lawyers and they ultimately directed me to this site to file a consumer complaint. It's worth noting that escalated the issue at Wells Fargo multiple times. With each escalation, months and now years went by, with no resolution. 
They maintain that the money was transferred and provided XXXX XXXXXXXX and the trace numbers that they inititated and that XXXX never responded to. 
I shared those with XXXXXXXX XXXX and they said they can not do anything with those numbers. 

XXXX XXXX XXXXXXXX XXXX numbers : XXXX - initiated XX/XX/year> XXXX - initiated XX/XX/year> XXXX - initiated XX/XX/year> Wells Fargo specifically said that the the remitting bank and/or the beneficiary bank can both locate the wire with the information above, however, Wells Fargo simply deferred to XXXX and XXXX deferred back to Wells Fargo XXXX None of the banks is taking responsibility for finding my money. This is a large sum and it must be located and returned back to me.
Consumer complaint received 2024-08-30
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.The account listed are not transactions done by myself.
Consumer complaint received 2024-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This morning, I found unauthorized inquiries on my credit report, and I have no idea how they appeared. I check my report regularly, but this time there were inconsistencies. After refreshing my browser to see if it was a technical issue, the inquiries were still there. I need these documents reviewed immediately so I can stop worrying about this ongoing issue.
Consumer complaint received 2023-11-20
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. (TX)

On XXXX and XXXX I sent certified letters to the credit bureaus and they were notarized. in reference to inaccurate information and reporting on my credit report. The bureaus have failed to respond to my request and provide me with the method they used to re investigate this matter. Keeping mind this is not my first request. It seems that the XXXX, XXXX and Experian has failed to acknowledge prior request. Their practices are unethical as well violating my consumer rights per FCRA sections, 15USC 1681i, 15USC1681i ( 5 ), 15USC1681 section 602 A, 15USC1681 section 604 A section 2, and 15USC1681c ( a ) ( 5 ). The following accounts listed below have not been accurately reporting which includes but not limited to, incorrect opening and closing dates. last payment dates and other relevant information. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I have attached the letter that was sent to each bureau as well the certified receipts
Consumer complaint received 2024-09-18
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. (NY)

It was a huge shock to see discrepancies on my credit report out of nowhere today. Im used to checking it, and everything has always been fine until now. I refreshed my browser hoping it was a glitch, but the inaccurate accounts were still there. I need assurance that the documents Ive provided will be checked thoroughly, so I can finally put this behind me and stop stressing over it.
Consumer complaint received 2024-09-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

XX/XX/XXXX I applied for an assumption loan via Carrington Mortgage. I was initially denied the assumption process due to a credit card payment being over 90 days in the previous 12 Months. I provided the manual underwriting from HUD.gov and advised them that I have an extenuating circumstance. They agreed to review the account at that point however, once the account made it to underwriting XX/XX/XXXX they suspended the review of my account stating that I had late payments from XXXX and XXXX that would not be approvable. I provided the article from the HUD manual underwriting stating that an applicant credit worthiness is contingent on the previous 12 months and asked for them to provide me with the article that they use to reference past credit worthiness so that I could educate myself. They refused to do so. My application was denied and not reviewed within the guidelines of FHA. Carrington Mortgage is not following FHA/HUD protocol and refuses to provide supporting documentation when asked. Not only is this not fair to a future mortgagor but it is also unfair to the FHA/HUD program which is aimed to help future home buyers. Carrington mortgage should be audited to ensure they are following FHA/HUD protocol XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX in the amount of {$720.00}. a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX in the amount of {$530.00}. a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$1600.00}. A personal credit card account opened at XXXX XXXX  on XX/XX/XXXX in the amount of {$430.00}. A personal credit card account opened at XXXX on XX/XX/XXXX in the amount of {$720.00}. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX in the amount of {$0.00}. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX in the amount of {$0.00}. A personal credit card account opened at XXXX on XX/XX/XXXX in the amount of XXXX. A mobile account at XXXX XXXX on XX/XX/XXXX in the amount of {$990.00}. A mobile account at XXXX XXXX on XX/XX/XXXX in the amount of {$1900.00}. a account at XXXX XXXX XXXX opened on XX/XX/XXXX in the amount of {$240.00}, a personal credit card account at XXXX XXXX opened on XX/XX/XXXX in the amount of {$0.00}. a personal credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$230.00}. a account with XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$9500.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-11-20
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : ATTORNEY GENERAL -XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX 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 2024-02-26
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. (MO)

I recently noticed a hard inquiry on my credit report from XXXX, Equifax and XXXX. 

This inquiry was from XXXX ( XXXX XXXX ) on XX/XX/2023. I did not authorize the hard pull of my credit, nor do I recognize the name of the company. I only requested that XXXX XXXX XXXX XXXX be used for the purpose of my loan, which I was already a customer at XXXX XXXX XXXX XXXX. 

Please have this inquiry removed because it was UNAUTHORIZED and the ONLY authorization should be XXXX XXXX XXXX XXXX, as that is where I belong, and that is where I secured the loan.
Consumer complaint received 2023-11-20
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. (NY)

I sent my letter off dated XX/XX/2023. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out. According to the FRCA the term " investigate consumer report '' means a consumer or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account ( s ) was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies as well as, their deliberate intentions of continuing to tarnish my credit report to XXXX
Consumer complaint received 2023-11-20
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. (FL)

accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose
Consumer complaint received 2024-09-18
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)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION (OR)

I XXXX XXXX XXXX XXXX XXXX They use a prepaid debit card through Comdata XXXX The Fee schedule included with the card under the 'Get money ' heading states that a bank teller withdrawal with the mastercard network is a {$0.00} no fee transaction. 
My bank XXXX XXXX XXXX attempted this for the amount on my card of {$350.00} and was declined. 
I contacted Comdata customer service on XX/XX/2023 and spoke with a representative. They told me that XXXX chose to not allow that function. A withdrawal at an 'XXXX  XXXX network ATM would be the lowest fee transaction. 
I asked for a supervisor to clarify this for me. 
The second person I spoke with also claimed that XXXX has denied that transaction option and there is no way to withdraw my money without a fee. 
I asked for another supervisor or their legal department to clarify this statement. 
Then I was put on hold for 30 minutes, at which point I chose to disconnect.

1. This means I can not get my money without a fee.

2. The fee schedule with my card ( And any other users with the same card ) is false. 

I then contacted XXXX XXXX XXXX XXXX XXXX as the 'existing " XXXX  option did not allow me to contact a representative. 
The rep was nice, and told me that information is available from the card issuer. 
I explained what the card issuer told me, and he offered to submit a case with the corporate office for XXXX. 
As of this writing I have not received any more communication from XXXX.