davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (MI)

On XX/XX/20 my cash-app card has been frozen. I make a living by XXXX XXXX XXXX XXXX. This is one of the ways my clients pays for my merchandise. How can this company freezes someone account without notifying them.
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I would like to formally submit a complaint against this company for several violations, including their failure to provide validation proof of the alleged debt. I request once again that this company provide me with the requested documents. Additionally, I ask that the CFPB and other consumer protection agencies review this matter.
Consumer complaint received 2024-04-21
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. (MD)

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 USC 1692. 

XXXX XXXX : account # XXXX XXXX XXXX XXXX : account # XXXX 15 USC 1681 Section 602 A. States i have the right to privacy. 
15 USC 1681 Section 604 A ( 2 ) It states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any agency if the person knows or has reasonable cause to believe that information is inaccurate. 
XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (FL)

I attempted to do a mortgage modification and was approved in 2017. However, they kept asking me for additional documents which I kept providing, but they never completed the modification. I have emails stating that I was approved, but I eventually lost my home due to them no longer communicating with me. 

I have received a check for {$200.00} from their remediation department, however I'm owed much more due to the fact that I lost my home. Nobody at the company seems willing to help me in any way, and previous attempts to resolve this have ended up nowhere, including previous complaints with the CFPB. I will be contacting a lawyer, however I would like to resolve this as soon as possible without needing to file a lawsuit. 

Every time I call Wells Fargo, I'm told they can't assist me with this, no matter which number I call or which department I speak to. Some people receive checks for over {$10000.00} and I only received {$200.00}, this is a slap in the face to someone who should be fairly compensated for being scammed by one of the world 's largest banks.
Consumer complaint received 2023-12-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am requesting that these accounts be removed from my credit report as I did not receive enough information to verify the debt, and XXXX has already removed these accounts for the same reason. have made several attempts to obtain information about these accounts from the creditors, but they have failed to provide me with sufficient information to verify the debt. As a result, I am disputing the validity of these accounts and requesting their removal from my credit report. Please delete these following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Pen Fed Credit Union contracted a repossession agency and at the time of my vehicle repossession, the agency did not have insurance coverage. The agency damaged my vehicle beyond repair. 

XX/XX/XXXX - My XXXX XXXX XXXX XXXX XXXX was repossessed. The repossession agency hooked my vehicle to his truck by XXXX tires. My XXXX being XXXX is only supposed to be towed by a flatbed, or tow dolly, which is also not preferred. 
( XXXX TOWED FOR XXXX HOURS ) XX/XX/XXXX - Transfer to PenFed for {$5400.00} for redemption XX/XX/XXXX - I redeemed my XXXX, immediately upon leaving the parking lot where XXXX was being stored multiple warning lights illuminated my dashboard - XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BRING TO YOUR NEAREST XXXX XX/XX/XXXX - XXXX was taken to XXXX XXXX XXXX where a multipoint inspection was done. Inspection showed that there was an internal failure in the transfer case suspected cause being that it was improperly towed. 

XX/XX/XXXX - Contacted repo truck driver XXXX XXXX by phone and spoke with him and explained the situation, requested him to notify his insurance company he responded with derogatory remarks and refused to take responsibility. 

XX/XX/XXXX - I contacted my insurance company and opened a claim. 

SINCE THAT DAY MY INSURANCE HAS BEEN TRYING TO LOCATE THE REPOSESSION COMPANY INSURANCE PROVIDER AND HAS NOT BEEN ABLE TO LOCATE. MY INSURANCE COMPANY IS CONFIDENT TO BELIEVE THAT THEY WERE NOT INSURED DURING THE REPOSSESSION OF MY VEHICLE. 

XX/XX/XXXX - XX/XX/XXXX RENTAL CAR TOTAL {$2100.00}, {$1500.00} I paid out of pocket. 

XX/XX/XXXX - XXXX was ready to be picked up I paid {$500.00} deductible through my insurance for repairs totaling {$7200.00}. My insurance company covered transfer case to be replaced with a USED one that was not XXXX. 

XX/XX/XXXX- XXXX making noise and did not feel right driving it. Brought into XXXX Courtesy Automotive. I was told that the transfer case had failed and it was because the one installed was not a XXXX part. 

XX/XX/XXXX - Insurance claim with my insurance company reopened. 

XX/XX/XXXX- XXXX XXXX of {$8700.00} XX/XX/XXXX - My insurance company TOTALED out my vehicle because the damages to my vehicle were beyond repair. 

XX/XX/XXXX - XX/XX/XXXX rental car totaling {$1600.00} out of pocket. 

XX/XX/XXXX - XX/XX/XXXX Rental car totaling {$1300.00}
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (VA)

I have been contacted by a debt collector that refused to provide me with the proper documents I requested. I keep getting calls stating the I must I identify and verify everything before they can give me any information. I asked for a validation letter, a purchase agreement and/or an assignment of debt. I also asked for a 1099 if the debt has been reported as a charge off. so far I have not gotten anything others than calls. they are reporting on my credit files as open accounts or verified accounts with no merit.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-30
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. (NY)

I recently received a copy of my Experian credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. 
Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/11 i made a deposit into my account & went about my day the last time i personally used my card was XX/XX/11 @ a XXXX XXXX XXXX not sure if i left my phone & card in the store but they were misplaced once I accessed my wells fargo accounts i seen {$2700.00} had been sent out with XXXX  XXXX  to a XXXX XXXX  once i saw this I immediately disputed every charge with this name i have used XXXX XXXX before but never in my life with a XXXX XXXX apparently they believe i authroized these payments but that is 100 % false
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (TX)

I have a Cash App account and I set up for my stimulus payment to be direct deposited into it. The IRS deposited it on XXXX XXXX. Here it is XXXX XXXX. And the money still not there. They have no contact phone number just email. They don't respond to that like they should. COULD you please help.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I checked my credit report & seen an account that does not belong to me. I filed an identity theft report. I disputed the account with you on the app but the account was verified. 15 USC $ 1681c-2 states any account identified as fraud should be removed. The account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
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: Experian Information Solutions Inc. (IL)

XXXX According to FCRA 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. This account is inaccurate information on my credit report that needs to be removed.
Consumer complaint received 2023-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (GA)

In XXXX, 2022, We ordered furniture and it was sent to us. this is a online company. Conn Furniture who really did Conn us. they sent a broken living room set and charge us XXXX we request for someone to come from there company to look at it. he reported it in need of repair and to be replace. They refuse to take this broken living room set that we set picture and reported it several times and gave us bad credit on this. So I'm not paying for a use broken couch so they call my number everyday on the hour on sat and Sunday and late at night. to get me to pay. customer service will not talk to me. just send a robo call to consistently harass us with calls. I ask them to come and pick this couch up and they said they don't take returns, but someone did return it because its so horrible that you cant sit on it.they came out 2 times and reported that I need a new couch and they refuse to fix it just call and call for payment. its not fair. I did not ask for a use sofa. and We call them to return it back in 2 weeks after it was delivered and they also have a extra warranty on the account. this people act like the XXXX.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (PA)

My mortgage was paid in full on XX/XX/2024. Delinquent account information was falsely reported to various credit reporting agencies on XX/XX/XXXX XXXX XX/XX/2024. This in turn reduced my credit score by almost XXXX points after having an exceptional credit score for several years with not one payment late. Contacted reporting agency and the bank who reported it [ wellsfargo ] for various recorded phone calls stating that my credit report would not be affected as long as the loan forbearance was caught up or paid in full by XX/XX/2024. I was informed the recorded phone calls would be reviewed and corrected pending information recorded during several phone calls prior to confirming the loan forbearance. The only reason the forbearance was accepted is because I was repeatedly promised that my credit would not be affected by the terms laid out in which were followed 100 %. Proof of account standing in XX/XX/2024 that shows up to date is available. Please help in this ridiculous false claims made by the lender wellsfargo. I was also promised during a recorded phone call that my loan would never be sold. 2 months Into my mortgage wellsfargo sold my assets to fanie may without any type of communication at all.
Consumer complaint received 2023-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX  Balance : {$1700.00} ; XXXX XXXX XXXX XXXX  Balance : {$480.00} ; XXXX XXXX XXXX Balance : {$480.00} ; XXXXXXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance XXXX {$1100.00} ;
Consumer complaint received 2023-12-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LoanCare, LLC (GA)

my taxes and insurance is escrowed. company changed the escrow requirements way more than was required and did not properly notify me on more than one occasion. My payment has been ach through my bill pay for XXXX. They changed the amount due and I was not properly notified and when my payment was sent in like it always does, on one instance they returned the payment, another instance they blocked the payment from the bank and the other time they collected the payment and had it sitting in suspense and did not apply it to my account. So instead of calling or emailing or sending a letter saying the payment amount received was incorrect and applied but is still short they just blocked it or collected it and put it in suspense which is basically " limbo '' and made it seem like I neglected in paying my mortgage and subsequently charged me late fees and reported the 3 late or missed payments to my credit which the 3 instances now are costing me a refinance that I am now trying to get done but cant because i have 3 negative hits and no matter how I pay my balances down to XXXX for everything else it still wont get my credit worthiness up.
Consumer complaint received 2023-09-01
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$29000.00} ; XXXX XXXX XXXX  Balance : {$1700.00} ; XXXX XXXX XXXX  XXXX Balance : {$480.00} ; XXXX XXXX XXXX Balance : {$480.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$4800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX  Balance XXXX {$1100.00} ;
Consumer complaint received 2023-11-09
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)

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1666B ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 : Also states a consumer reporting agency can not furnish an 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.

16 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.

1681 a ( 2 ) A ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

According to the FCRA, late payments should not be reported as negative information. I have discovered multiple inaccurately reporting late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms.
Consumer complaint received 2023-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

Our Mortgage started XX/XX/XXXX with XXXX XXXX and was later sold to PHH Mortgage who holds our mortgage now. 

Somehow, the tax bill belonging to the two properties adjacent to ours has been paid out of our escrow account in both year XXXX and XXXX. 

XX/XX/XXXX- {$1900.00} and {$1900.00} was paid to the county tax office out of our escrow, along with our correct parcel tax bill of {$2800.00}. 

XX/XX/XXXX- {$1900.00} and {$2000.00} was paid again to our county tax office out of our escrow account, along with the correct parcel tax bill of {$2900.00}. 

I reached out to PHH Mortgage in XXXX to start the process of solving and rectifying the issue. First, with no help to PHH, we figured out that it was the adjacent properties tax bills we had been paying and made PHH aware of exactly the error they had made with our funds. After talking with our counties tax office we learned that PHH had to work with the homeowner who owns both adjacent properties and get the tax monies back from their mortgage company. This homeowner was made aware of the situation and was very willing to make right the tax monies that she had not paid because of PHH 's paying them first. The Tax Office is not allowed to pay out any monies it has correctly or incorrectly taken in- which is why PHH needed to go to the properties mortgage company to get their refund. 

As of XX/XX/XXXX, PHH was able to get funds back from the incorrect paying of said properties taxes for ONLY the year XXXX - and even so did not notify me or has yet to explain where that refund was credited to - as I have not seen any monies in either check or credit. I could be missing it somewhere, but have been reaching out to try and get an explanation and have not been able to talk to someone who knows anything whatsoever about exactly what is happening. 

I have reached out multiple times since XX/XX/XXXX trying to let them know that XXXX errors have not been rectified. I end up explaining thing, or trying my best to sort this out, and have yet to have anyone show any expertise or really care at all for the case. Communication has been terrible since the beginning of this problem. If I do get a call and they leave a voicemail, I am given a general call center number and can hardly ever get back to anyone in particular.
Consumer complaint received 2023-10-24
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. (MA)

I am writing to formally submit a complaint regarding the inaccurate information on my credit report, which I discussed with Experian on XX/XX/XXXX. To date, I have not received any response from Experian regarding this matter. I would like to provide you with the details of the inaccurate information and the necessary corrections : Account not belonging to me : Account Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt : Please remove this account from my credit report.