davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the persistent harassment I have been experiencing from New Rez Mortgage Company. Previously known as Green Tree, they have disregarded my explicit instructions to contact me exclusively in writing, as stated in a letter on file from the time when the company was still Green Tree. 

Despite my repeated requests during phone conversations for them to refrain from calling me, New Rez Mortgage Company continues to ignore my requests and cause me significant stress by persistently contacting me regarding my mortgage. This behavior is in direct violation of the letter in my file, which explicitly states that they should only communicate with me in writing.

I strongly urge New Rez Mortgage Company to thoroughly review my file, where they will find not only the aforementioned letter that they are blatantly violating but also my impeccable payment history. This payment history clearly indicates that my mortgage payments are consistently made on the last working day of each month. 

I trust that the Consumer Financial Protection Bureau will take appropriate action, as you have done in the past, the complaint number for the former complaint is XXXX, in that complaint is where I also provided a letter to the mortgage company to contact me only in writing. I have also paid my mortgage by phone during the first quarter of 2023. When asked by their agent, if they could use my phone number to contact me I said no, they are not to contact me by phone, and if that call is recorded that is further proof that they are in violation of the no contact by phone request and is thus harassment.
Consumer complaint received 2024-08-06
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. (PA)

Hello my name is XXXX XXXX XXXX I recently reviewed my credit report as of XX/XX/year> and noticed two new inquiries that were not authorized by me. I asked that they please be removed as soon as possible to correct my credit file. Thank you highly appreciate your urgency.
Consumer complaint received 2024-09-15
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. (NV)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 .

I looked at my Equifax credit report on XXXXXXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. and according to 15 USC 1681s-2 they are suppose to 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I have tried to call, mail dispute, and online dispute these accounts to XXXX. They are refusing to remove them. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: ADP Inc. (NJ)

I received a email saying, ADP is conducting a survey to better understand your business needs and practices, your experience selecting Roll by ADP and your satisfaction with it. Your honest feedback is important to help us in our effort to continuously innovate. 

The survey should take you about 15 minutes to complete. Please be assured that your responses will be aggregated with all others and will be used for research purposes only. You will receive no follow-ups. 

In appreciation of your time and completing this survey, you will receive a {$200.00} electronic XXXX gift card. 

To participate in this short survey, please click on the SURVEY link below. 

Click Here to Start the Survey The survey will be open until XXXX XXXX  XXXX, Friday, XX/XX/2023. 

Thank you in advance for your participation and valuable feedback. 

Best regards, ADP Market Insights Once I completed the survey I reached out to their customer service team : XXXX XXXX XXXX XXXX, 2023 XXXX XXXX  When did you complete the survey? It is a manual process to assign the payment to you so i can create a case with our team You XXXX XXXX, 2023 XXXXXXXX XXXX On XX/XX/XXXX XXXX XXXX XX/XX/ 2023 XXXXXXXX XXXX Okay, Since it takes time to process I will let our team know as it can take some time to process You XXXX XXXX, 2023 XXXXXXXX XXXX Okay do you know how long the process time might be? Also is there a difference between the ADP 1-800 number and a chat agent? 

You XX/XX/2023 XXXX XXXX Because when I called the 1-800 number and gave her my EIN she couldnt find my payroll account XXXX XXXX XXXX XXXX, 2023 XXXX XXXX Roll only offers chat based support for existing clients. The other number you see on our website is for our sales team to assist with clients who are onboarding or interested in signing up XXXX XXXX XXXX, 2023 XXXX XXXX Okay thank you! How long is the process time for the survey? 

XXXX XXXX XX/XX/2023 XXXXXXXX XXXX Unfortunately I do not however i sent an email to our team that handles them and as soon as they respond I can send an email your way! 

You XXXX XXXX, 2023 XXXXXXXX XXXX Okay thank you, Have A Great Morning You XX/XX/2023 XXXXXXXX XXXX Ill check back in by the end of the week XXXX XXXX XXXX XXXX, 2023 XXXXXXXX XXXX You do the same. Once they respond you can expect an email from us! 

Once I purchased something on XXXX with this gift card I was locked out the account the password was changed and XXXX was told that ADP Payroll disputed this charge with their bank. XXXX refuses to allow me to access to this account or provide proper documentation to resolve this issue. Each Phone call and chat request was Recorded Via Voice Memo and screenshots.
Consumer complaint received 2024-08-22
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. (GA)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-29
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. (TX)

I am writing to provide an update on my ongoing efforts to correct late open account and remove charge off entries from my credit report. 
Despite numerous attempts, these inaccuracies persist, and I am seeking further assistance to resolve this matter. I have diligently pursued the correction of late open account and the removal of charge off entries on my credit report. I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address these issues. However, to my disappointment, the inaccuracies remain on my credit report, negatively impacting my creditworthiness and financial standing. This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly addressed to ensure the fair and accurate reporting of my credit history. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. With this, I am asking for your assistance to correct or remove the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
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. (TX)

Despite submitting thorough documentation and following the prescribed procedures, it is very concerning that the problem remains unresolved. This ongoing issue not only causes me significant inconvenience but also undermines my confidence in your organization 's ability to manage such matters effectively and competently. It is unacceptable that, despite multiple attempts, the late open account issue remains unaddressed, calling into question the reliability and accuracy of your record-keeping processes. I urge you to prioritize this matter with the highest urgency and take immediate action to correct the late open account entry on my record. Additionally, I expect to be kept informed of the progress in resolving this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. Therefore, I am requesting your assistance to correct this account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX U S DEPT OF ED/XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$7500.00} U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance : {$4100.00} U S DEPT OF EDXXXX ( Original creditor : XXXX  XXXX XXXX XXXX Balance XXXX {$10000.00} U S DEPT OF ED/XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance XXXX {$4200.00} XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXL Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX
Consumer complaint received 2023-07-04
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. (FL)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2024-05-29
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)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-05-29
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. (CA)

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. 

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 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 2024-05-29
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-04
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. (NY)

TO WHOM THIS MAY CONCERN I AM A VICTIM OF ID THEFT, I PREVIOUSLY DISPUTED THIS ACCOUNT OF MY REPORT, THE PREVIOUS AMOUNT WAS WRONG IT WAS {$18000.00} NOW YOU GUYS HAVE UPDATE IT TO BE {$5400.00} INSTEAD OF REMOVING IT, IT WAS CLAIMED TO BE VERIFIED THEREFORE. I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor. 
2. The contact information for the creditor. 
3. The name of the person who verified the item to you. 
4. The method of communication you used to verify this information
Consumer complaint received 2024-05-29
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. (VA)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-08-06
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. (GA)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2024-07-30
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. (AZ)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2024-05-29
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. (MA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (UT)

Between XXXX - wellsfargo bank applied overdraft fees that seemed abusive and not just or agreed upon. 
They would apply overdraft fees and move money from XXXX account, Savings, to another account and charge in between a price. We have paid many times the cost. We asked directly to cancel the overdraft fee. Wells Fargo continued to use overdrafts for a long time, not fixing the problem and in between charging us time after time. 
Example - Situations like a direct payment to a savings account- would have no sufficient funds when the notice would come. I would go to my checking account, transfer the money within one hour, correct the problem during that hour, and be charged XXXX Euros - as an overdraft fee. 
The service was sold as a service that the bank would do to make sure the overdraft would be corrected. Wellsafrago was in fact, making a big amount of money for each occurrence or suspension. 
Because I was living on a tight budget, every time they would charge us an overdraft fee that would create an imbalance and they would charge more overdraft fees. 
It was a vicious cycle and I feel that I was mistreated and unfairly robbed. 
XXXX
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023 at approximately XXXX while I was sleeping, someone stole my debit card ending in XXXX and withdrew XXXX different charges from a non-Wells Fargo ATM. The first withrawal being of {$200.00} and the second withdrawal of {$160.00}. As a resolution, it is fair that I make this report, go under investigation and receive a credit back into my checking account for both amounts, since I am not the one who made the withdraw nor did I give anyone permission to using my debit card. When this incident first occured I immediately contacted Wells Fargo claims assistance center at approximately XXXX to inform them of this fraud activity. I reported my card stolen, as well as informed them of the XXXX non-atm withdrawals that were not made by me. They have issued out to me a new debit card and did their own investigation, but because of the information I provided my case was closed as they believe it was I or someone who had my permission to make the transactions.