davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Corporation (OH)

I have received calls from this company once a month, and they leave voicemails stating that they are attempting to collect a debt. I have not received any mail from this company or about any debts in general. When I called the company back, I was told that they do not have any account or record of my name or phone number in their system, so they can not verify my debt, or provide any information about why I am receiving calls. I am not aware of any debts that could have gone to collections. After confirming that they do not have any record of my information, they continue to call me.
Consumer complaint received 2024-05-13
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. (MI)

I was a victim of unauthorized inquiry reporting and this is another request to eliminate the items from my credit file resulting from unauthorized inquiry reporting. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to remove any items no later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous complaint & I am including it again. Additionally, the information you provided on these items are UNKNOWN to me and DELETED from other bureaus, which leads me to question their accuracy : XXXX : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXX, MI XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX. This communication serves as your last warning. If you do not expunge the listed items from my report, I will initiate legal action. I have briefed my attorney on my intentions, and they are ready to hold you accountable for any willful noncompliance. Please expunge the items resulting from an unauthorized inquiry reporting. Thank you for your prompt attention to this serious issue.
Consumer complaint received 2024-05-13
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. (LA)

Thank you for addressing the removal of some fraudulent entries in my credit file. However, there are still entries remaining that need to be addressed. I am submitting to dispute these remaining entries as a result of erroneous information reporting. The disputed items are not connected to any transactions that involve the acquisition of goods, services, or money that I have conducted or authorized. Please proceed with the removal of these entries from my credit report, as they arose from inaccurate reporting. These entries are unfamiliar to me, and I have concerns about their accuracy since similar entries have been deleted by other credit bureaus. As mandated by FCRA 605B ( c ) ( 1 ) ( C ) concerning the authority to decline or rescind inaccurate information, I request the following entries be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these items in my credit file that resulted from an alleged erroneous information reporting. I appreciate your prompt attention to this matter and await your reply.
Consumer complaint received 2024-05-13
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. (OH)

Greetings, I am sending this complaint to follow up request the investigation into the fraudulent inquiries on my credit report. I ask that the three Credit Bureaus conduct an investigation intothe fraudulent inquiries as required by law. Please see below the listed fraudulent inquiries that require investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-07
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: REGIONS FINANCIAL CORPORATION (IL)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The credit Bureau 's stated XXXX XXXX XXXX XXXX Account number XXXX was properly investigation but how is that possible if it open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A section. The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I havent given these accounts written permission to furnish these accounts on my credit report.
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: VANDERBILT MORTGAGE & FINANCE, INC (MS)

For the last at least 6 month this company has reported my account 30 to 60 days late when it's not. If my payment is due on the first of the XXXX of the month and its late after the XXXX of each month that's not 30 or 60 days late. They report when they want to the XXXX or XXXX of each month and its affecting my credit I've emailed and I've called and all I get is a dispute it with the credit bureau from them
Consumer complaint received 2024-05-13
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. (IL)

Immediate Demand for Block and Deletion of Identity Theft Information I have recently discovered unauthorized information on my consumer report resulting from identity theft. I never provided written permission or instructions for the identified transactions to be reported. This is a clear violation of my rights, and I demand that you BLOCK and DELETE this information without delay. 

XXXX XXXX XXXX XXXX XXXX XXXX This is not a mere request ; it is a non-negotiable demand. The identified transactions are unrelated to any transactions conducted by me as the consumer. I insist that you promptly take action to rectify this egregious error within FOUR DAYS from the receipt of this notice. Understand that I expect a WRITTEN response confirming the completion of the block and deletion process. Any delay or inaction on your part will not be tolerated, and I am prepared to take appropriate legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ). Fix this immediately and provide an updated copy of my consumer report, free of the unauthorized information. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-13
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. (PA)

This is my SECOND REQUEST regarding FCRA 611 ( a ) ( B ) ( 6 ) ( iii ) because Equifax failed to provide the information that this LAW states that a FEDERALLY PROTECTED CONSUMER should receive after making such request.

I in accordance with this LAW FCRA 611 ( a ) ( B ( 6 ) ( iii ) I submitted a request if any accounts were verified..I submitted a dispute regarding 3 accounts via CFPB # XXXX XXXX XX/XX/24 and received the results today XX/XX/24 stating the XXXX accounts were verified. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX I am requesting AGAIN that your agency send the Procedures that you used to verify the 3 accounts.I am also requesting the name ( s ) of the person ( s ) that you spoke with along with their business name, address and telephone number within 15 days as the law requires.

The basis of my dispute was based upon my privacy rights are being violated as FCRA 602 states I have a right to privacy and Section 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions. I gave no permission for the 3 accounts to appear on my credit report and want all 3 removed immediately.

Equifax has no right to publish the 3 accounts without my written instructions.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2024 Disputed Capital One charge off to be deleted from credit report XX/XX/2024 Disputed XXXX XXXX charge off to be deleted from credit report XX/XX/2024 Disputed XXXX XXXX charge off to be deleted from credit report XX/XX/2024 Disputed XXXX XXXX charge off to be deleted from credit report XX/XX/2024 Disputed XXXX closed account to be deleted from credit report
Consumer complaint received 2024-05-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (FL)

I purchased my townhouse in XX/XX/XXXX {$150000.00} I was employed at XXXX XXXX of XXXX XXXX FL as a line mechanic. I had excellent credit and earnings of {$90000.00} in XXXX. I had not missed a mortgage payment or late payment including all other bills. 
In XX/XX/XXXX Wells Fargo took over my home loan from my original lender. In XXXX I was becoming less productive at my work due to my left knee was in need of a XXXX XXXX. 
I called Wells Fargo and let them know that I needed XXXX and my doctor XXXX me to my occupation and asked for consideration for a loan modification. I had short term XXXX insurance that I paid into through my employer but to extend the payments I had to apply for Social Security XXXX. I was approved to receive SSXXXX benefits beginning XX/XX/XXXX. ( see attachment ) I continued to pay my mortgage payments even using some savings for retirement. I sent documentation to Wells Fargo requesting applying for a loan modification and was denied over the phone continuously. I stopped paying my mortgage in the beginning of XXXX so they would take me seriously. I feel I was treated cruel and with no compassion to my situation from Wells Fargo I am bringing this up now although it has caused me much stress these last XXXX  years after losing my townhouse and walking away losing my investment of XXXX  years. 
Wells Fargo sent me a letter dated XX/XX/XXXX that they opened and charged me for a " Health Protector Bonus product '' I researched it to see if it was was legitimate and it was and I settled it receiving a check for their maximum authorized amount of {$310.00} I received the check. But that showed me the corruption and greed of Wells Fargo which motivated me to research the CFPB lawsuit against Wells Fargo. Their explanation in their response to me states that I was approved for the HAMP program on XX/XX/XXXX but the loan to value was to low. ( see response letter ). I didn't lower the value of my home the corporate lenders of US financial institutions did. ( see attached documents ). 
I would like to have closure one way or another, Can you ( CFPB ) tell me if I am another victim of unfair practices by Wells Fargo? Thank you.
Consumer complaint received 2024-05-13
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. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-03
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. (NV)

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XXXX OF XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XX/XX/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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

My physical address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please remove my business virtual : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address from my EXPERIAN report. This address belongs to my business and According the FCRA, I have a right to the fair and accurate reporting of my credit information. I am entitled to certain privacy rights concerning my credit information and protection from the misuse of my credit data. Please remove my virtual address from my personal Experian credit report.Thank you.
Consumer complaint received 2024-05-13
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. (CA)

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am writing to inform you of an absurd bank policy that I had the unfortunate situation of being caught in the middle of. On XX/XX/2019, I was wired {$28000.00} USD from a family member assisting my family and I with medical expenses. Unfortunately, when sending the wire, my uncle left off the last digit of my account number -- all other information was correct such as spelling of my full name. My bank, Capital One Bank, deposited the money in the incorrect account ( identical to my account minus the last digit ). They have explained that they are under no obligation to check information on the wire and that they are not able to assist me in freezing/retrieving the money from this incorrect account.

Capital One has closed its " investigation '' into the matter and is no longer willing to speak with me on the subject. They have indicated that they have not received a recall attempt from the sending bank, which I have multiple confirmation documents that recall attempts were sent via XXXX messaging ( basically the same way the original wire was sent -- successfully ). I have attempted to escalate this matter multiple times throughout XXXX, XXXX, and XXXX with no success. I've asked for help from Capital One Bank in explaining the proper procedure the sending bank should follow to ensure that the recall message is received, but they explained they did not know. 

I am speechless that a bank would allow this to happen and have no recourse to rectify this mistake. I look forward to hearing your thoughts on the matter.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I recently reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

I submitted a credit repair request to a company, but they failed to respond within the XXXX 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.