davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-01
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: I.C. System, Inc. (FL)

I have accounts appearing on my credit report that do not belong to me and after multiple requests to remove or provide information, I have not received any resolution. I am a victim of identity theft & this is a result of this. 

XXXX XXXX Opened XX/XX/XXXX. Balance is currently {$840.00} and has went into charge off status. 

I.C. SYSTEM, INC ( collection agency for original creditor : XXXX XXXX ) - Opened XX/XX/XXXX and is reporting as a collection with a balance of {$460.00}. 

XXXX XXXX XXXX ( collection agency for original creditor : XXXX XXXX ) - Opened XX/XX/XXXX and is reporting as a collection with a balance of {$1000.00}. 

I was added as a authorized user on a XXXX XXXX XXXX account which I never authorized my being added to this account and apparently the account holder has a unpaid balance effecting me. I requested to be removed from this account on multiple occasions and my requests have been ignored. The balance is in the amount of {$1100.00}. 

XXXX has never had a late payment and needs corrected to reflect this on my credit reports. 

XXXX has never had a late payment and needs corrected to reflect this on my credit reports. 

XXXX XXXX has never had any late payments and needs to be corrected to reflect this on my credit reports.
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (GA)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-04-30
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

My Chapter XXXX Bankruptcy discharged XX/XX/XXXX. My Interest Only loan # XXXX adjusted while I was I was still in the bankruptcy. The lender did not notify me or the Bankruptcy trustee or my BK attorney. I continued to make payments the entire time and upon discharge was made aware of the payment change XX/XX/XXXX and immediately paid the arrearage. I was assured in XXXX different telephone calls that that loan would not be reported late. As of today, I am informed that the the loan is reported to my credit report with EIGHT late payments dropped my score and preventing me from pursuing a refinance now in process. Nationstar 's failure to notify me or the Bankruptcy trustee is not in compliance with Federal bankruptcy law pursuant to Bank Ruptcy Rule 3002.1
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. Account name : 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 2023-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

I deposited a mobile check deposit Thursday the XXXX of XXXX, I was told the funds would be in my account a few hours later since they could manually verify, I even called the company connected to the check and they verified its been paid, Chime keeps saying that I wont receive the funds until the XXXX, Ive now lost my car insurance, have multiple late fees and I have been on the phone with chime everyday since Thursday for over 4 hours each day and Ive been getting the run around, chime keeps saying they can not release the funds until the XXXX but I even verified with the company where the check came form that its valid, I am unsure what to do now since I am now XXXX in late fees and losing insurances, I cant even pay my bills or get groceries since they are refusing to release the funds, Ive spoken with many supervisors, some say Ill get it earlier than the XXXX and others keep saying I wont and now Im stuck and dont know what else to do, Ive been on the phone for hours and Chime stated its illegal to release my funds to me, I will now have to pay XXXX to renew my insurance due to the late fee and reactivation, I have a loan I have to pay off of XXXX that has late fees, I also have overdraft of XXXX now because they wont release the funds, and I also have multiple 7 late fees on some payments I need to pay back now
Consumer complaint received 2024-02-06
Product: Mortgage — Conventional home 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: WELLS FARGO & COMPANY (MI)

There is a {$6500.00} bill that is seventeen years old attached to my title. I'm trying to refinance with another company and Wells Fargo will not release my title because of it. I don't remember this bill and they can't find the origination of it ; but is holding up my refinancing. The agent that is assigned to ( from my CFPB complaint ) is unreachable. 
could this be one of those fraudulent charges that Wells was accused of? 
I requested a payment history XXXX XXXX on XX/XX/XXXX. They had to do a work order on it. They say it was completed on XX/XX/XXXX and I still have not received it. 
Can someone please assist with this?
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (NC)

XXXXXXXX XXXX XXXX XXXX received my payment paid in full and now has sold my account to some one else named Jefferson Capital and they will not leave me alone they have sent numerous amounts of Emails and Letters and i have tried explaining to them that i dont have a account with them and dont owe them anything and they have my credit score down
Consumer complaint received 2024-02-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TN)

We paid the amount of {$440.00} for XXXX on XX/XX/2023. The confirmation number for that is : XXXX. I tried explaining this but the man kept saying to send it in the mail and I can not. It is a screen shot of the payment made when we made it. We are not gon na pay another {$440.00} for something we've already paid for. I will file for harassment if I receive another bill or call about this already paid debt. Thanks.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX XXXX XXXX and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I have identified several discrepancies and errors in my credit report that have been verified by the companies despite my attempts to dispute them. 

Regarding the XXXX XXXX XXXX account, the status of the account is incorrect as it is marked as " open '' instead of " closed '' or " paid. '' Additionally, the original amount owed and the current balance are both listed as {$750.00}, despite the fact that it is not mine, and I have never had any business or financial relationship with XXXX XXXX. Additionally, I have not received any notice or communication regarding this debt before seeing it on my credit report. 

Regarding the XXXX account, the date of first delinquency is listed as XX/XX/2019, which is incorrect. The original creditor name is listed as " XXXX XXXX, '' which is also inaccurate. 

These discrepancies and errors have negatively impacted my credit score and have caused me financial harm. Despite my attempts to dispute these inaccuracies with XXXX XXXX XXXX and XXXX, they have failed to correct the errors and continue to report inaccurate information. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these companies comply with the FCRA and the FDCPA and delete this account. Thank you for your attention to this matter.
Consumer complaint received 2024-02-07
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: WHEELS FINANCIAL GROUP, LLC. (IN)

XXXX XXXX XXXX failed to inform the credit bureaus of my ongoing dispute regarding this account. Furthermore, despite my request for information, they only provided a blank form with a computerized signature where it looks like someone copied my signature from something. XXXX XXXX has been unresponsive in verifying the debt and has repeatedly sent forms that do not confirm my ownership of the account or any outstanding balance. Additionally, they have continually altered their reporting information to the bureaus without acknowledging my dispute. 

XXXX XXXX has violated numerous laws by failing to provide validated evidence that I owe any amount or that the account even belongs to me. They have intentionally quadrupled the reported balance, causing me harm without substantiating their claim that the account is mine. 

The account number on the credit report says XXXX
Consumer complaint received 2023-07-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (TN)

I may have chosen the incorrect option, as the option I needed to choose wasnt there. I wasnt notified of a debt in the amount of {$18.00} from the XXXX XXXX at XXXX XXXX for a service that took place on XX/XX/23. I did receive a final notice for a service rendered on XX/XX/23 for {$18.00}. I was puzzled to receive a " final notice '' since I hadnt received any bills from them. I paid them immediately upon receiving the final notice. And shortly after, I received a collections notice from Accounts Receivable Resources, Inc. ( a debt collections agency ). Im not sure if XXXX XXXX at XXXX XXXX are behind on their accounts or if this is racially motivated. I hope its not the latter. When I received the collections notice, I assumed that it was for the service I had in XXXX due it being the same amount. So, I immediately went to the Accounts Receivable Resources , Inc. website to dispute it. I waited a week for them to contact me, but there was no response. So, I sent a dispute to Accounts Receivable Resources , Inc. via certified mail. I just received a letter from them today, XX/XX/23, with the service details. I am submitting this complaint because this shouldnt have been sent to collections, especially such a small amount. I would greatly appreciate your assistance with getting this resolved.
Consumer complaint received 2024-05-01
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2024-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/XXXX, I made a purchase in the amount of {$45.00} using my PayPal XXXX XXXX XXXX Bank ) account. After receiving no communication or merchandise from the seller, I filed a dispute with PayPal XXXX on XX/XX/XXXX. 

PayPal XXXX acknowledged the dispute and issued a temporary {$45.00} credit. For some reason, I also received a notice from Paypal stating they couldn't investigate due to the dispute being filed with PayPal XXXX instead of PayPal. 

On XX/XX/XXXX, PayPal sent me an email, stating the payment was returned because the merchant wasn't registered with PayPal. I assumed this resolved the issue as PayPal XXXX could then reverse the temporary credit and everything evened out. 

However, on XX/XX/XXXX, PayPal debited {$45.00} from my account. I contacted PayPal but got no clear explanation, only that it was a chargeback from PayPal XXXX, who has repeatedly denied this. 

Currently : - I have XXXX {$45.00} credits on my PayPal XXXX account. 
- My PayPal account balance is negative due to a {$91.00} charge from PayPal. 
- PayPal claims I owe them {$91.00} for " fronting '' the temporary credit and refund, even though you I see XXXX {$45.00} payment to PayPal XXXX ( again denied by them ). 
- PayPal refuses to contact PayPal XXXX for clarification. 

This situation is inconsistent and confusing. 

Issues : - Unclear and conflicting information from both PayPal and PayPal XXXX. 
- Inconsistent process compared to standard dispute/refund procedures. 
- Poor customer service with abrupt transfers, yelling, and hanging up. 
- Lack of investigation and due diligence.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The 3 CRAs have been furnishing and reporting numerous accounts with many inaccuracies that I removed in the past! Now when I go back and look their reporting a Bankruptcy ( which by 15 USC 1681i ( 4 ) and 15 USC 1681 ( i ) 5 ) which Bankruptcy courts DO NOT REPORT SUCH PRIVATE INFORMATION to the CRAs and I am distraught by their actions! Also their reporting accounts that are not reporting 100 % accuracy and I will list the accounts below! 
XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TransUnion : XXXX XXXX XXXX
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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 act 15 usc 1681. 
XXXX XXXX XXXX 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 XXXXXXXX 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 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 infor
mation any other adverse item of information, other than records of conviction 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 reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (CO)

Demand to opt out indefinitely. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. XXXX and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data.

Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as XXXX and XXXX, and XXXX, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to XXXX, XXXX, XXXX, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon.

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet XXXX and XXXX continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which XXXX and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Consumer complaint received 2018-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TN)

XXXX XXXX was debiting my checking account monthly for my mortgage payments. The servicer changed to XXXX XXXX   XX/XX/2018.Bayview didn't forward the several months of mortgage payments they had in their possessions to the new servicer XXXX XXXX . I spoke with Bayview several times to request payments be forwarded to XXXX. I have been unsuccessful getting this matter resolved their negligence has caused me to be delinquent on my mortgage and at risk of losing my home. Please assist me with this urgent matter. 


Thank You