davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I am writing to dispute the presence of a bankruptcy entry on my credit report, ( XXXX XXXX XXXX XXXX XXXX XXXX  ) which I believe to be in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and related regulations. The bankruptcy entry adversely affects my credit profile and financial standing, and I am seeking its immediate removal. I am invoking my rights under 15 U.S.C. 1681 et seq. to dispute this entry based on several violations, including Permissible Purpose, Right to Privacy, and a XXXX Consumer Report. Specifically, I believe that the reporting of this bankruptcy entry constitutes violations of 15 U.S.C. 1681a ( 2 ), ( 4 ), 15 U.S.C. 1681 ( a ), ( e ), and ( d ). Considering the violations and the lack of validation, I insist that you immediately delete the disputed bankruptcy entry from my credit report. This action is necessary to correct the inaccuracies in my credit profile and to restore my financial reputation. I am confident that the aforementioned violations have occurred, and I kindly ask for the immediate removal of the disputed bankruptcy entry from my credit report. Furthermore, I expect your timely response and resolution in line with the FCRA regulations. Please be advised that I am aware of my rights and remedies under the FCRA, and I am prepared to take appropriate legal action should these violations persist. I expect a prompt response within 30 days as per FCRA guidelines. Thank you for your attention to this matter. I trust that you will conduct a thorough investigation and take the necessary steps to rectify this issue promptly
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I initially tried to enroll for Social Security, but failed the questions to be enrolled over the phone. i did not understand how the information I was being asked, Name, Address, SSN, and City of Birth could be wrong. About the same time XXXX emailed about my credit report so I checked into that. I had to pay for their services to see the detail of my personal data. This information was riddle with inaccuracies s.a. previous addresses, employers, and Aliases. For another fee, I could look at the information held by XXXX, and XXXX. That information was all significantly inaccurate as well. Additional, the agencies, use this inaccurate information to validation my identity incorrectly, rendering me unable to correct my information. This leaves my only remedy to correct this mis-information is to purchase they products. What a convenient system, all the Credit Agencies mis-state my information, the charge me to fix it. My issue is im being represented by over XXXX names there is no way I can be XXXX people and they have yet updated my information which is against my rights and violate at lease FCRA laws. My other issuse is I have over XXXX telephone numbers that i have never seen before being reported my only number ends in XXXX. My only address beings with XXXX I will attach proof of the only XXXX spelling of my name that represent me and not imposters. If all of this information is wrong and being reported to misrepresent me that goes to show you how inaccuraute the system that is supposed to protect the people is, I deserve to be represented correctly as XXXX am not affilited with employers I have never heard of I have tax returns to prove it. Remove
Consumer complaint received 2024-06-14
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. (SC)

Subject : Unauthorized Credit Inquiry by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  To Whom It May Concern : On XX/XX/year>, I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, regarding a XXXX XXXX XXXX. During our conversation, I was quoted a lease price of {$400.00} for the vehicle, including delivery and XXXX sales tax. I authorized the dealership to proceed with the purchase. They subsequently altered the price to {$420.00}, bait and switch? 

I explicitly informed XXXX, the sales XXXX, that my personal banker at XXXX XXXX  advised the dealership should not pull my credit. Instead, they were instructed to submit the necessary information directly to XXXX XXXX. I even confirmed this instruction via text message and herein submit relevant photo evidence. 

Despite my clear instructions, XXXX XXXX XXXX proceeded to pull my credit report from all three credit bureaus without my consent. Additionally, they had XXXX XXXX initiate a credit inquiry. As evidence, I have attached the relevant text messages as well as a XXXX file of the inquiry reflecting at each of the credit bureaus. 

Due to this unauthorized credit inquiry, I decided to cancel the entire deal. I promptly notified all three credit bureaus about the situation, but unfortunately, they have been uncooperative. Furthermore, XXXX XXXX XXXX has failed to honor their promise to remove the inquiries. 

I kindly request your assistance in resolving this matter. I believe that XXXX XXXX XXXX 's actions were not only unethical but also illegal. Please investigate this incident and take appropriate action to rectify the situation. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (AK)

PennyMac has violated the Fair Debt Collection Practices Act Subpart B Sections : 1006.6 ( d ) ( 3 ) ( ii ) 1006.6 ( d ) ( 4 ) ( i ) ( B ) 1006.6 ( d ) ( 4 ) ( iii ) 1006.6 ( e ) On XX/XX/2024 I revoked all consent for email communications, requesting mailed communications instead. Since then I have recieved over a dozen emails against my consent. 

Note for any lawyers that may read this : There is no way to unsubscribe or stop the email via the email or in PennyMac 's website.
Consumer complaint received 2024-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

I was scammed by a woman, or women ( not sure if it is more than XXXX ) who claimed to be running a pet adoption rescue organization in XX/XX/XXXXI live in XX/XX/XXXX. After a conversation via email and what I thought was due dligence and not finding anything that indicated they were lying, I agreed to send a deposit to hold XXXX puppies pending my picking them up in person. I was planning on a recent trip to XX/XX/XXXX and would pick up the puppies. I sent a deposit from my bank, Wells Fargo, to their bank, XXXX XXXX XXXX XXXX, via the Rescue organization 's ( scammer ) XXXX account. XXXX days later I found evidence they were scammers. I immediately contacted Wells Fargo and they have since sent me a letter saying that the transaction was legitmate. It was not legitmate because the scammers committed fraud and lied, decieved me, and coerced me. I demanded a refund from the scammers and they vanished after telling me they would " refund my money ''. Wells Fargo is not cooperating now. I DID file a complaint with my local law enforcement, and with the XX/XX/XXXX( I have little faith in that ). The phone number used in the scam for the XXXX payment is a XXXX phone number and registered to a woman who lives in XXXX, a village of XXXXXX/XX/XXXXI will also be filing a claim with the FBI. I want my {$650.00} back, and XXXX XXXX XXXX XXXX and Wells Fargo are NOT helping me. The name of the scamming organization is XX/XX/XXXXand they had a XX/XX/XXXX page that has now vanished, but their website is still up. I believe the address they list on the website has nothing to do with them, and that the criminals actually reside in XXXXXX/XX/XXXX
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I am filing a complaint for XXXX XXXX XXXX by XXXX XXXX  for nonpayment on my home insurance policy. The deadline to pay my XXXX XXXX XXXX XXXX policy was XX/XX/year>. They stated the check was cut XX/XX/year>, and I recieved a letter from XXXX XXXX with a policy cancellation letter and the amount of the check. The insurance company refused to reinstate my home owners insurance policy. 
In addition, due to this oversight I have requested to be responsible for my own taxes and insurance payments. This request to remove impound was rejected. I am really upset that they'd collect my monthly mortgage with PMI and default on my home owners insurance. How unprofessional!
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (NC)

On XX/XX/2024, I formally terminated my car contract using commercial paper. Concurrently, I revoked my Power of Attorney through a notarized revocation. Additionally, I dispatched a certified letter on the same date, exercising my rights under 15 USC 6802, explicitly opting out of reporting to any reporting agencies. 

Despite these actions, the company continued to report on my credit, thereby violating my consumer rights. They disseminated my information to multiple non-affiliated entities, which are not authorized credit reporting agencies ( XXXX and XXXX are reporting agencies, not credit bureaus ; the only credit bureau in the United States is the CFPB ). 

Furthermore, my Social Security number was transmitted to non-affiliated third parties without my consent. The term " nonaffiliated third party '' refers to any entity that is neither an affiliate nor related by common ownership or corporate control with the financial institution. 

The company has also sent unmarked letters in an attempt to collect a fictitious debt, which was already satisfied through UCC Tender of Payment. This constitutes fraud and harassment. Additionally, they have placed harassing phone calls despite my explicit instruction in a certified letter that all communication must be in writing. 

This behavior appears to be systemic within the company, suggesting a need for a forensic audit for securities fraud in addition to their routine violation of consumer rights as part of their daily operations.
Consumer complaint received 2021-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (FL)

I sent letter on XX/XX/21 certified receipt # XXXX it appears it was received on XX/XX/21. Caine and wiener is not license to collect debt in the state of Florida. They have NOT responded to MY COMPLAINT so I went on XXXX  document and I ALSO NOTICE THERE WAS NO NOTICE OF DISPUTE PLEASE REMOVE THIS ACCOUNT INSCREEN RECORDED MY XXXX  REPORT showing no notice of dispute.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I have been a member of USAA for 15 years. I have never had an issue accessing my account via the mobile app. As of XX/XX/year>, USAA has stopped me and other customers from accessing their accounts via the mobile app and forcing all customers to have or purchase a new phone to access their account. 

I do not have a spare {$2000.00} for a new phone. I as a consumer should not be forced to purchase a new phone to manage my banking account.
Consumer complaint received 2024-05-25
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: Credence Resource Management, LLC (WA)

Received a fraud collections from XXXX XXXX under credence management. I filed a dispute a month ago and made a police report but nothing happened and it's been a month.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted XXXX via certified mail to dispute the inaccurate information that the company is reporting on my consumer report. The account is a charge off. I was not provided with a XXXX form from the IRS. According to the IRS, the canceled debt is considered income. XXXX should not be reporting on my consumer report. The company is in violation of 15 USC 1681s-2 ( a ) ( XXXX ) ( a ). I requested documentation bearing my signature as proof that the company has the legal right to collect from me. I was not provided with the documentation that I requested. Instead, I was advised to contact the credit bureaus.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Experian and XXXX are refusing to report accurate information regarding my account with XXXX XXXX. The account is reporting a {$300.00} balance and the balance should be {$0.00}. I paid the balance on the account, yet the credit bureaus are refusing to report it, which is affecting my credit score. Also, XXXX is refusing to investigate my dispute. The letter from XXXX states that it appear that the dispute didn't come directly from me. According to the letter from XXXX, they won't process the request until it comes directly from me. My complaint was through the Consumer Financial Protection Bureau regarding the account with XXXX XXXX, yet the are still refusing to investigate. Experian and XXXX are reporting the inaccurate/ misleading account with XXXX XXXXXXXX after I have provided proof to the Consumer Financial Protection Bureau , XXXX and Experian, that Capital has placed both accounts in collection. I've sent a copy of my drivers license and a bill in my name. There is no reason for the credit bureaus to believe that my disputes are from a third party. I've been disputing the same items consistently for more than 3 years now. These are the type of tactics that the credit bureaus have been using to violate my rights.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've contacted XXXX XXXX, Transunion and XXXX via certified to dispute the inaccurate information the company is reporting on my consumer report. The account is a charge off. I was not provided with a 1099-C form from the XXXX According to the XXXX, the canceled debt is considered income. The company is in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( a ). Also, the company has responded by validating the account with a list of payments. I requested documentation bearing my signature. The response was sent via email instead of providing a letter through the XXXX postal service.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (FL)

A Sofi Bank checking account was opened around XXXX to XXXX months back online. 
Name : XXXX XXXX Last XXXX of my social security number XXXX Date of Birth XXXX Tel no : XXXX Email Address : XXXX Account no : XXXX I received a debit card, I made some deposits and withdrawals using the debit card. 

On XX/XX/2024 XXXX deposited for my tax refund, this was made available XX/XX/XXXX Some body knew this information, hacked the account. they created a duplicate debit card. the person exactly knew when the money was available. they must of changed the profile and say that duplicate debit card is received to their hands. 
exactly on XX/XX/XXXX after XXXX XXXX or XX/XX/XXXX, the person used the debit card to withdrawal cash in New Jersey in XXXX days, they withdrawal a total of XXXX XXXX dollars, also he charged on XXXX different amounts online, also on XXXX, an online store, XXXX or XXXX transactions were made. on a XXXX XXXX XXXX charge was made. 
to my surprise, this person knew the bank account number and bank routing number, created checks and tried to mobile deposit them. we disputed all those transaction
Consumer complaint received 2024-06-17
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. (TX)

Dispute of Inaccurate Information on Credit Report** To Whom It May Concern, I recently reviewed my credit report and noticed that some information is incomplete, outdated, and inaccurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. 

The following accounts are not complete and accurate : XXXX. **Account Holder : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*Account Number : ** XXXX **Issue : ** incorrect balance, incorrect payment status XXXX. **Account Holder : ** XXXX XXXX XXXX XXXX **Account Number : ** XXXX **Issue : ** incorrect balance, incorrect payment status XXXX. **Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX : ** incorrect balance, incorrect payment status, wrong account number XXXX. **Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX : ** incorrect balance, incorrect payment status XXXX. **Account Holder : XXXX XXXX XXXX  XXXX XXXX XXXX : ** incorrect balance, incorrect payment status XXXX. **Account Holder : XXXX XXXX XXXX XXXX XXXX Number : XXXX **Issue : ** incorrect balance, incorrect payment status XXXX. **Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX : ** incorrect balance, incorrect payment status Furthermore, according to 15 USC 1681s-2, 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. 

Given these discrepancies, I request that an investigation be conducted and that the inaccurate information be corrected or removed from my credit report promptly. I trust that your procedures will ensure the maximum possible accuracy of my credit information as required by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-24
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. (AR)

As I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please correct this account : XXXX XXXX XXXX XXXX : {$34000.00}.
Consumer complaint received 2023-12-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I have tried to use my american express gift card multiple times with no luck. The amount I have is XXXX dollars. I tried to buy an XXXX XXXX XXXX for XXXX and XXXX and neither worked. XXXX dollars was on XX/XX/23 and XXXX was on XX/XX/23. I tried to use on XXXX for XXXX on XX/XX/23. I tried to use on XXXX for XXXX. I called american express at XXXX on XX/XX/23 and twice on XX/XX/23 and they said that their are no issues with the gift card and it is active. I can provide the gift card number if needed. Thanks
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

Dear Consumer Financial Protection Bureau ( CFPB ), I'm seeking your urgent assistance in addressing a concerning issue related to inaccurate information on my credit report. The credit bureaus are reporting an incorrect and inaccurate negative/delinquent account, and there are inaccuracies in my personal information as well. I am deeply concerned about the potential impact on my creditworthiness due to this incorrect reporting. 

I have attached a detailed letter outlining the discrepancies and have provided copies of my utility bill and driver 's license, both containing my accurate personal information. I believe these documents will support my case for the removal of the inaccurate negative account. 

I kindly request your prompt intervention and assistance in rectifying this matter. I understand the importance of maintaining accurate credit information, and I trust that your involvement will help ensure a fair and accurate representation of my creditworthiness. 

Thank you for your immediate attention to this matter. I appreciate your assistance in resolving this issue. 

Kind regards, XXXX
Consumer complaint received 2024-06-17
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. (TX)

To Whom It May Concern, I recently reviewed my credit report and noticed that some information is incomplete, outdated, and inaccurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. The following accounts are not complete and accurate : 1. **Account Holder : ** XXXXXXXX XXXX  XXXX XXXX - XXXXXXXX XXXX  **Account Number : ** XXXX **Issue : ** incorrect balance, incorrect payment status XXXX. **Account Holder : ** XXXX XXXX XXXX XXXX **Account Number : ** XXXX **Issue : ** incorrect balance, incorrect payment status XXXX. **Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX : ** incorrect balance, incorrect payment status, wrong account number XXXX. **Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX : ** incorrect balance, incorrect payment status XXXX. **Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX : ** incorrect balance, incorrect payment status XXXX. **Account Holder : XXXX XXXX XXXX XXXX XXXXXXXX Number : XXXX **Issue : ** incorrect balance, incorrect payment status XXXX. **Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX : ** incorrect balance, incorrect payment status Furthermore, according to 15 USC 1681s-2, 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. Given these discrepancies, I request that an investigation be conducted and that the inaccurate information be corrected or removed from my credit report promptly. I trust that your procedures will ensure the maximum possible accuracy of my credit information as required by the FCRA. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX