davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I XXXX XXXX am sending this information personally and on my own behalf. The account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, PA XXXX Account No. : XXXX is being reported to the Credit bureaus incorrectly and without my consent and therefore should not be on my consumer report. 15 USC 1681 states that I have a right to privacy and section two of that same law 15 USC 1681 Section 602 section 2 states that a consumer reporting agency can not furnish an account without my written consent I HAVE BEEN VIOLATED AND DEMAND THAT THIS ACCOUNT BE REMOVED. XXXX XXXX XXXX can not produce any documentation proving that I ever had a contract with them, in fact they can not produce any signed contract with my signature. XXXX XXXX AND EQUIFAX did not verify any of this information before publishing this information which is another violation of my rights. Also if a consumer disputes the validity of a debt or any portion of a debt the collection agency must cease collection of the debt. ALSO BILLING STATEMENTS ARE NOT EVIDENCE OF A DEBT and providing statement is not validating a debt.
Consumer complaint received 2023-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo Home Mortgage sent an Escrow Review Statement on XX/XX/XXXX. 
Under " New Payment '' category, it shows the previous payment through XX/XX/XXXX to be {$1300.00}. This is the amount I budget for each month. Under the new total payment, the amount is {$1.00}, XXXX. This number also shows to the right under " No action Required '' that starting XX/XX/XXXX that the new payment would be {$1400.00}. 
In a red box, it displays " Your escrow account has a shortage of {$650.00} '' I decided to pay the escrow amount because the difference would be about {$88.00} more per month. On XX/XX/XXXX, I payed the escrow shortage amount of {$650.00}. 

In all other banks I have ever encountered, once the shortage is paid, the payment remains the same. Everything I have researched read - If your bank determines that there will not be sufficient funds in your mortgage escrow account, it may raise your payment by the amount of the shortage. The bank may offer you the choice to repay the amount in one lump sum or spread the payments over a 12-month period. 
I paid their requested shortage of {$650.00} in one lump sum. 

After this " escrow shortage '' amount was paid, they said the payment will now be {$1300.00}. This amount is another {$33.00} over and above the {$88.00} per month I avoided by paying the escrow shortage of {$650.00}. 

Why did they not give me the correct amount of shortage to begin with? I do not want my mortgage payment to increase, and I don't understand how it is they can create a number beyond what they say was the shortage, especially after I paid the amount requested.
Consumer complaint received 2024-01-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IL)

I am disputing these debts because these were corporate accounts/corporate leases/corporate debt that I never agreed to be personally liable for. These corporate leases and corporate debts were in the name of a corporation called XXXX XXXX, XXXX. I was a corporate officer of XXXX XXXX XXXX so I signed the leases on their behalf but I never agreed to be personally responsible nor personally liable for the accounts and debt of XXXX XXXX, XXXX. These are corporate debts only. Enclosed are copies of the lease agreement for these accounts between XXXX XXXX and XXXX. Hunter Warfield is a 3rd party collection agency, who wrongfully placed this debt on my personal credit. 

Hunter Warfield gave me these leases and account statements for XXXX XXXX, XXXX. These documents that Hunter Warfield provided clearly show these debts are corporate debts for XXXX XXXX XXXX, NOT personal ones for XXXX XXXX.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

Complaint Filed : Account XXXX Ending in XXXX Direct Deposit Form attached. 

Please return direct deposit {$2000.00} from the US Treasury Department today by XXXX XXXX XXXX I need to retrieve my funds via paper check from The Social Security Administration Field Office by XXXX XXXX Today as instructed by the Social Security Administrator. 

Pleas call XXXX XXXX XXXX for further assistance verifying and retuning the deposit back to originator immediately. 

I am not willing to wait 3 days. I have immediate, urgent, and emergency billing and healthcare needs. Do not withhold my funds. 

Additionally, I would like to process an ID Theft Rebuttal for my Closed and Denied Chime Account Claims. Please provide account statements for XXXX and an accurate dispute resolution process and form XXXX. 

XXXX, XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number Attached Below XXXX Chime Checking. 


Please Reply To : XXXX Business Reply To : XXXX XXXX
Consumer complaint received 2023-09-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP (CA)

I was notified through my bank Union Bank, that US Bank would be taking over all of our accounts at the end of XX/XX/2023. I was provided multiple emails that the transfer would not affect my automatic payments and would transfer properly to US Bank. My automatic payments did not transfer as notified. US bank never notified me via mail or emailed me a notification to renew my automatic payments. I discovered the request in a small memo after setting up my online account with US Bank but they did not mention that my payments had stopped. Correctly applying for the auto payment process, unavailable online and required to apply via mail. I later discovered my account was delinquent via mail from US Bank at the beginning of XX/XX/2023. The end of XXXX 's payment was never processed. I'd like to ask US Bank to please show me the letters and or notifications instructing or notifying me of the cancellation of automatic payments from Union Bank. Ultimately, US Bank reported my 2 months of delinquency to multiple credit agencies. I request them to retract the negative rating. I have all my bank statements reflecting my automatic payments with Union Bank and the eventual automatic payments with US Bank, letters and emails to be provided.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

Account name : XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that XXXX XXXX XXXX be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. 

In acgesdance with the fair credit Resort 995 act XXXX Account XXXX XXXX XXXX, has violated ny rights. Find related content Search 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 a account without my written instructions. 
15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragra the term " consumer report '' does not include + any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 789 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please remove this account immediately Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (TX)

There is a collection account on my credit report from XXXX XXXX XXXX which lists CAPITAL ONE N.A. as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number XXXX. I will need to see the original contract bearing my signature because my information was compromised in the XXXX data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to XXXX XXXX XXXX. Also provide me with the 1099-C form since this account was written off. If you can not provide all of the information requested, and if you have not done an investigation into the XXXX data breach claim when I have already provided my claim number then please contact the collection agency and have them remove this account due to inaccurate reporting. XXXX run the risk of being taken to small claims court per violation of the FCRA and FDCPA regulations.
Consumer complaint received 2023-04-17
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. (MD)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-04
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (SC)

On XX/XX/XXXX I paid the balance of my Lowe 's card XXXX. On XXXX I called to dispute the interest charge of XXXX and to close the account. Today I reviewed the statement which reflects the interest XXXX with an additional {$2.00}. interest on that balance. 
Lowe 's Account # XXXX XXXX XXXX opened in XX/XX/XXXX. 
My previous complaint was about XXXX  that was doing the same thing. 
They should remove any and all negative comments to my credit. 

Please note that I moved from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX  closed my card on XX/XX/XXXX without my knowledge and apparently I wouldve had XXXX days to XXXX  with them to open it back up, but since I didnt know, I didnt have those XXXX days. The problem is the reporting to the credit bureau that I closed the card and I didnt and I have a beautiful payment history. when I spoke to XXXX, they told me file complaint with the credit bureau full well knowing they were going to get away with us and they have so far. I need your help. Theyre ruining my credit that Im trying to rebuild from a XXXX  bankruptcy I had to do and was discharged in XX/XX/XXXX XXXX XXXX  closed my XXXX card XX/XX/XXXX without my knowledge stating I closed the card on the credit bureau . Same thing that was done to me at XXXX XXXX. I believe this is a ruse theyre using. again, I had a beautiful payment history. I sent documents in from my bank showing that the payments were made on time every time, and they were not returned as I was accused of! And then the reporting to the credit bureau that I closed the card! Evil & and my score dropped significantly.
Consumer complaint received 2023-10-29
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. (VA)

15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Consumer complaint received 2023-08-29
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. (IL)

I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report contains credit inquiries that I do not recall authorizing.The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm offer of credit 2. Insurance 3. Employment 4. Court Order The following credit inquiries are related to none of the aforementioned permissible 1. Equifax Mortgage Services ( XX/XX/2022 ) Please remove this hard inquiry from my credit report. I will also inform you that your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX Equifax, XXXX, and XXXX ) this action might constitute fraud under Both federal and state laws. Due to this fact, if any negative mark if found on any of my credits by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I appreciate the actions made by the XXXX, Equifax and XXXX Credit Bureaus. But there were still many items that I needed the respective credit bureaus to remove from my XXXX credit reports. Here are the list of items that I need the Credit Bureaus to remove. I am humbly seeking the help from CFPB to make sure that these items below are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-19
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)

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 2023-09-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

These individuals persistently disregard my explicit request to cease contacting me, despite my clear communication that their actions feel like stalking and harassment. Their conduct demonstrates a blatant refusal to adhere to both federal and state laws governing their operations. Moreover, they have repeatedly contacted my previous phone number, even after I explicitly instructed them to stop doing so. In a further intrusive and unsettling move, they obtained my new phone number from a list, seemingly with the intent to continue their harassment. 

To counteract their disruptive behavior, I have taken the precaution of blocking several of the numbers they employ for spoofed calls. For reference, here is a list of recent harassing calls from Portfolio Recovery : XXXX. On XX/XX/2023, at XXXX XXXX, Portfolio Recovery contacted me from the number XXXX. 
XXXX. On XX/XX/2023, at XXXX XXXX, Portfolio Recovery reached out from the number XXXX. 
XXXX. On XX/XX/2023, at XXXX XXXX, Portfolio Recovery made contact from the number XXXX. 
XXXX. On XX/XX/2023, at XXXX XXXX, Portfolio Recovery attempted contact from the number XXXX. 
XXXX. Again, on XX/XX/2023, at XXXX XXXX, Portfolio Recovery called from the number XXXX. 

I am deeply concerned about their persistent disregard for my request to stop contacting me and their apparent intent to evade my efforts to block their calls. This situation has created a significant disruption in my daily life and well-being. I seek your assistance in addressing this ongoing harassment and ensuring that my rights are respected.
Consumer complaint received 2023-08-30
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX - XXXX XXXX XXXX
Consumer complaint received 2023-04-17
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. (GA)

This is my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. 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 block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXXY XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX Balance : {$300.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (OR)

When using the Special Financing purchase option through PayPal, I purchased an item and interest began to accrue, however, if it was paid off in time then the charge is supposed to be labeled as " paid off ''. On multiple items that I purchased using the Special Financing purchase option, I later returned those items. Instead of Paypal erasing the special financing charges, they simply credited my account balance and left the charges on the special financing purchases list to continue accruing interest! So there are multiple charges on there for items that have been returned that aren't being erased and that are continuing to accrue interest which goes straight in to the pockets of Paypal. I spoke with a representative and they told me this was an error and doesn't happen often. However, it's definitely not an isolated incident and the only reason I caught was because I physically went through my statements. So there are probably thousands of people who are being charged interest for things they thought were returned and paid off!