davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (NY)

As Trustee for my grantor, I asked Wells Fargo to provide me with the documents including the promissory note and security agreement regarding the property they filed a lawsuit on my grantor. They responded with an acknowledgement letter but never responded.
Consumer complaint received 2024-08-06
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. (MN)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C.1681 SECTION 602 A.STATES I HAVE THE RIGH OF PRIVACY.

15 U.S.C 11681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CONNOT FURNISH AN ACCOUNT WITHOUT MY WRITING INSTRUCTIONS
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NH)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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. (AR)

Reporting information on a consumer 's credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them the place such information on my consumer report. Because my privacy rights have been violated, am demanding the company block and remove the accounts from my consumer report not later than 4 business days after such information that I have provided. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

In XX/XX/2005 Wells Fargo wrongfully foreclosed on my home at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX TX XXXX while I was in the process of doing a loan modification. When I received the loan modification paperwork, it was missing the cover letter to tell me how much I needed to pay to get the modification in place.
Consumer complaint received 2024-05-01
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. (AL)

XX/XX/XXXX I sent my 609 letter in, its been well past 30 days and I havent heard anything! 
1. The following account is not mines. 
XXXX  XXXX Account Number : XXXX  Please remove it from my credit report. 
2. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following account is not mine XXXX  XXXX 4. Account XXXX : XXXX Please remove it from my credit report. 
5. The following account is not mines. 
XXXX Account XXXX Please remove it from my credit report. 
6. The following account is not mines. 
XXXX Account NumberXXXX Please remove it from my credit report. 
7. The following account is not mines. 
XXXX XXXX  Account NumberXXXX Please remove it from my credit report. 
8. The following account is not mines. 
XXXXXXXX XXXX  Account Number:XXXX  Pleaser remove it from my credit report. 
9. The following account is not mines. 
XXXX Account numberXXXX XXXX  remove it from my credit report. 
10. The following account is not mines. 
XXXX XXXX Account number:XXXX 1. The following account is not mines. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 


15 U.S. Code 1681b - Permissible purposes of consumer reports This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately.

The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; I
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THIS ACCOUNT WAS OPENED BY FRAUD WITHOUT MY KNOWLEDGE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

XXXX XXXX XXXX XXXX WITH A BALANCE OF {$29000.00} is INACCURATE AND FRAUD USE MY INFORMATION TO GET THIS CAR. 

I REQUEST THE DOCUMENTS THAT WERE USED TO OPTAIN THIS GOODS OR DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

I deposited a check on XX/XX/XXXX bank said clear on XX/XX/XXXX now there saying XXXX XXXX which is insane I called bank and casino who issued check they verified check my bank told me they havent received funds casino called me today and stayed funds were paid to citizens on XX/XX/XXXX so I cant figure out why they are playing with my money
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc. (TX)

Please reference complaint XXXX. In short, Nelnet will not correctly report information on this student loan account. The loan was discharged in XXXX after my XXXX died in XXXX. I was the co-signor on the loan. Nelnet confirmed in writing in response to the aforementioned complaint that the loan was discharged and that they would report the balance is {$0.00} to the CRA 's. They did not furnish this information to the CRA 's in a timely manner. After XXXX information was reported, I initiated disputes with the CRA 's to correct this information. XXXX seems to be reporting correctly. 
However, XXXX and XXXX are reporting that I am deceased. XXXX indicated to me today that they had corrected this information internally on XX/XX/24, but that Nelnet furnished information indicating that I am deceased on XX/XX/. Disputes with XXXX and XXXX are currently in process to correct this, but XXXX is indicating that Nelnet is to blame here. Unfortunately, Nelnet is not able to respond to e-mail or phone calls in a timely manner. Hence, seeking the CFPB 's assistance with this.
Consumer complaint received 2023-10-20
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. (IL)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion violated the FCRA numerous times. 
1. They failed to investigate my disputes despite me sending them proof of inaccuracies in my report.

2. They failed to provide a notice of dispute during my dispute period another FCRA violation.
Consumer complaint received 2024-05-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

On XX/XX/2018, XXXX XXXX XXXX XXXXXXXX XXXX placed a collection on my account for {$9700.00} - I have never done business with the original creditor : XXXX XXXX XXXX XXXXXXXX XXXX and they have linked this debt to my name that does not belong to me, this is not my debt. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.
Consumer complaint received 2024-05-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

On XX/XX/year>, XXXX XXXX XXXX XXXX XXXXXXXX placed a collection on my account for {$9700.00} - I have never done business with the original creditor : XXXX XXXX XXXX XXXXXXXX XXXX and they have linked this debt to my name that does not belong to me, this is not my debt. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.
Consumer complaint received 2024-01-21
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. (CA)

Delete hard inquiries XXXX XXXX : XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-01
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. ()

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

I contacted CCS collections multiple times via phone and written letter : I made a payment in XX/XX/XXXX ( even though the collection was not mine ) to take off my credit report. The company responded by stating that if I made the payment the collection would be taken off. Currently on my XXXX report it is still showing on my report. This is affecting my ability to obtain new lines of credit and life and need to be taken off. 

Collection Agency : CCS COLLECTIONS Original Creditor Name : XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$74.00} Amount : {$0.00} Status Date : XX/XX/XXXX Status : PAID
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION (MA)

PenFed in its response to my complaint ( the text of which is attached ) provided me with incorrect and misleading information. 

XXXX XXXX, Senior Vice President, Operations of Pentagon Federal Credit Union among other things had stated the following : Members can use a teletypewriter ( TTY ) based telecommunications relay service to call us if they are unable to communicate directly by phone. 

On PenFeds website https : //home.penfed.org/help/s/article/How-to-Contact-PenFed? language=en_US a printout of which is attached there are two TTY numbers listed : TTY ( for the hearing impaired ) : XXXX or XXXX While the numbers are annotated as for the hearing impaired and does not list any other XXXX, I attempted to call both of the number using a TTY enabled device on XX/XX/2023 at the following times : three times to XXXX around XXXX XXXX  Eastern time, then one time to XXXX around XXXX XXXX, and then again three times to XXXX around XXXX XXXX. Out of my 7 attempts I never received a TTY response. 

XXXX XXXX in their attached response also states : Please call us at XXXX XXXX XXXX if you would like to delete your external account. 

On XX/XX/2023 at XXXX XXXX Eastern Time I made my best effort attempt to place a voice call to XXXX XXXX XXXX. The person who answered the calls disconnected the call after XXXX min and XXXX seconds. 

I made a second attempt to place a call at XXXX XXXX Eastern time and the person who answered the call at that time disconnected the call after XXXX min and XXXX seconds. 

Based on my experience described above, I claim that XXXX XXXX, Senior Vice President, Operations of Pentagon Federal Credit Union made misleading statements in their response to CFPB. I also claim that PenFed does not provide the same level of service to consumers who prefer not to communicate via telephone as it does to the rest of the consumers.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

EQUIFAX BLOCKED MY CREDIT REPORT AND REQUESTED PERSONAL INFORMATION THAT I PROVIDED TO RESOLVE ISSUE. 
IT GIVE ME EQUIFAX ERROR CODE XXXX  THAT NEEDS TO BE FIXED.
Consumer complaint received 2023-08-31
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. (GA)

I contacted the company XXXX when i recieved an alert about the opening of the account. i recieved an hard inquiring i reached out to the credit bureau to dispute the account with trans union they told me they would investigate i never heard anything back so i followed up by calling them XX/XX/2015 and the fraud department told me the last rep didn't open an dispute. The company XXXX XXXX  XXXX i called XXXX they told me none of my information matched an that the card wasnt mailed to my home address they asked for copies of my drivers license and address and email address to verify the account. They told me it would be removed from XXXX  and Transunion and XXXX i have been getting the run around i even mailed a letter to the company address XXXX XXXX XXXX XXXX XXXX NY XXXX nothing has been removed. Please invesitgate and remove this account it was opened fradualtey
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is XXXX of 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 accounts 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 accounts : XXXX XXXX and XXXX XXXX XXXX. Please remove these accounts ASAP.
Consumer complaint received 2016-11-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (NY)

Nationstar Mortgage XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Loan # XXXX This complaint is against Nationstar Mortgage because I successfully modified my current mortgage and I am not accepting the terms due to atrocious numbers. Foreclosure has begun. 

Approved for HAMP Tier II Denied for HAMP Tier I I have been using the XXXX XXXX XXXX for advice : I went to my court appointed hearing and XXXX District Court Judge XXXX would not help me with forcing restructuring of numbers. 

My current loan is XXXX at 10.8 % interest for 30 years. 

Nationstar took over my mortgage from XXXX XXXX XXXX which took over from XXXX XXXX. 

The HAMP Tier II is for {$100000.00} 40 years at 3.75 % interest with balloon at end {$35000.00} My property value is {$40000.00} I live at property and maintain and upgrade constantly. 

It is my hope that we as AMERICAN CITIZENS do not allow these banks to bully us around. They are trying to take over our properties and therefore ultimately take over AMERICA. 

If possible I would like the State of XXXX and US Government to intervene on my behalf and structure a FAIR mortgage for me. 

This will prove to the banks who writes the laws and enforces them. 

Thank you, XXXX XXXX
Consumer complaint received 2023-11-05
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. (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 considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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
Consumer complaint received 2024-10-17
Product: Credit 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: AMERICAN EXPRESS COMPANY (CA)

Complaint Regarding Overcharge on American Express XXXX XXXX XXXX XXXX XXXX, American Express does not protect customers. 

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding my American Express XXXX card and an unresolved overcharge from a transaction with XXXX XXXX XXXX. 

On XX/XX/year>, during my visit to XXXX XXXX XXXX, I was overcharged for a service that the resort representative had clearly stated was a complimentary replacement for a service that was already included in the package I had paid for. I would not have agreed to the service had I known it would incur an additional cost. However, despite their assurance, I was still charged {$320.00}. The resort informed me that if I did not pay the amount, I would not be able to leave the island. 

Under pressure, I paid the bill but included a written notice of my disagreement with the charge at the time of signing the bill. 

I have contacted American Express multiple times, in both XXXX and XXXX of 2024, to dispute this charge. Despite submitting all necessary documents and clearly explaining that I was coerced into paying, American Express has refused to investigate the issue. They have simply responded by citing terms of the cardmember agreement and merchant policies, disregarding the fact that I was forced into the payment under unethical circumstances and had clearly expressed my disagreement with the charge. 

I am seeking assistance from your agency to protect consumers from such unethical and potentially illegal business practices. I believe I have been wronged both by XXXX XXXX XXXX and by American Express, who have failed to uphold their responsibilities to investigate a clear case of customer exploitation. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ca, XXXX email : XXXX phone : XXXX