davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Union Adjustment Company, Inc. (NY)

To whom it may concern, Hi my name is XXXX XXXX XXXX, I really have hard time to access all my belongings and there are so many suspicious activities that stop me to do what Im doing, and I already spend 3 months since I have identity issues. My privacy and device is like a XXXX XXXX, I feel a lot of people without provide me anything just access my phone. Information changes, deleted, and XXXX keeping receiving new happenings, and by verified my identity I already spend 3 months, because some of the documents are very confusing and I also have English problems, so I was doing slow. But some of the identification I dont know why its so hard they keep verifying me over and over like play games. Then I got blocked then I have to wait, then someone access my phone then scammers came deleted and got my account password. Then I have to restarted doing everything. Then you guys dont give me enough time since I have many problems and a lot of BLOCKS make me even more slower. After I finished then there is new things came out. Those days are the most stressful and frustrating days in my life. Can you guys wait for me at least? Or send someone to help, otherwise its going to be the same. The easiest way is someone that can follow up to make sure Im doing good which the witness can know its me, and Im safe, and no one else access my information. Otherwise its became more complicated and I dont understand and cant follow up your speed! Then scammer access my phone, then you guys make another activity, then I follow, then scammer came again. Thats a infinite recycle, lets find out a new solution which can be easier, more simple, smarter instead that unlimited recycling. Thank you!
Consumer complaint received 2018-08-07
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: Bread Financial Holdings, Inc. (MT)

In XX/XX/2017 I received a statement saying that I owed over {$1800.00} and new that I didn't have anything charged on the account so I contacted XXXX XXXX. They said that they could tell it wasn't mine and that someone got my account number. They had me send in a statement of fraud. All was settled and nothing more came of it. They closed the account and asked if I wanted a new account and I said no.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX 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 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (VA)

Ever since the XX/XX/2017 Equifax data breach I have maintained freezes on all of my credit reports. Recently, I had to login with the three major credit bureau websites to temporarily lift my freezes. When I create online accounts that contains sensitive personal information I always enable XXXX settings to better secure my accounts. When I logged into my Equifax account I was surprised when I wasn't prompted for a XXXX code like I was with the other two bureaus. I checked my account settings and sure enough XXXX isn't even an option. How is Equifax lacking a proven security feature six years after they failed to protect customer information? Has Equifax learned nothing? If I had the ability to remove myself from their service, I would, but since credit isn't option I'm forced to endure their continued gross negligence.
Consumer complaint received 2023-12-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY (SC)

I have received information from Wells Fargo of a signed formed but not the info i requested. if the XXXX sent you monies on my behalf, where did you apply those funds and why are you unable to provide proof of those funds. if you are unable to provide info that the monies were applied, then you cant possibly say i was delinquent. i may have signed a form because you said i was delinquent and that is because you didn't apply the funds from the XXXX  that was sent on my behalf. where did you apply the monies the XXXX sent you on my behalf. i was not delinquent. i was current and a partial claim should have never been submitted.
Consumer complaint received 2024-04-02
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. (FL)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: JPMORGAN CHASE & CO. (MI)

I 've only received emails from XXXX different banks. All of them asked me to click on the link provided in the email to verify the accounts. I did not do that because they are not mine. I replied to one of the email accounts with Chase Bank stating I was not the individual associated with the account. There was not a telephone number to call so replying to the email was the only way I knew how I might be able to communicate. I 've received about six emails from Chase Bank since XX/XX/XXXX. 
On XX/XX/XXXX I received an email from XXXX stating the account has been accessed from an unauthorized location. I do not have a XXXX account but there was a phone number to call for this bank. 
XX/XX/XXXX, I received an email from XXXX stating they were contacting me to inform me that their security department identified unusual activity in my account. In this email there was only a link to click on to verify the account but no telephone number. This is again, not my account. 
I am being sued for a debt that I do not believe to be mine as well and inquired about an investigation concerning this as well as placing a fraud alert at the XXXX credit reporting agencies. 
I am not sure how to attach these emails to this website. If you can help me with that I would appreciate it. 

XXXX
Consumer complaint received 2023-12-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Peoples Financial Corp. (GA)

My vehicle was totaled XX/XX/2023, the car was considered a total loss at no fault of my own I called XX/XX/XXXX to receive my payoff amount which I was told was XXXX good thru XXXX 2023 My car was valued at XXXX by XXXX XXXX XXXX which would leave me {$2300.00} to be paid directly to me by XXXX The manager of the branch turned in fraudulent paperwork to XXXX which I have all documentation stating I owed over XXXX which is as much as my i initial loan amount that I have made XXXX payments on by doing this XXXX gave them all of the money for the payoff Now he will not give me the overage owed to me, I reported to XXXX  as well and he responded to them which I can provide that he has decided to give me my overage of XXXX which shows just from the math he lied to XXXX about XXXX  payoff amount. 
This has been over ten days now where if he had told the truth I could have another car I feel he should be held responsible for his lies as well as one of the financial assistants who provided the false paperwork to the insurance company In managers response to XXXX  he mentions a second account for clarity that is an account I cosigned on a totally different vehicle for my son and has XXXX to do with my vehicle or my account for my vehicle also I tried to have him allow me to take over oayments if he would put sons truck in my name and he said he could not do that so I cant help him I wont pay something off that I am not primary on I already paid A year of notes myself on that account trying XXXX help I can provide all documentation and names that are requested PLEASE HELP MAKE THIS COMPANY DO WHAT IS RIGHT IF THEY DID THIS TO ME HOW MANY PEOPLE THAT DONT CATCH THEIR LIES DO THEY GET OVER ON Sincerely
Consumer complaint received 2023-12-18
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. (MA)

Despite my previous 5 written requests, the unverified items listed still remain on my credit report in violation of Federal Law. They stated in their responses to my 5 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of your willful disregard of Federal Law.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

LexisNexis is reporting a Bankruptcy inaccurate and false information on my consumer report, and not In Accordance With ( IAW ) the FCRA. This information was not reported by the bankruptcy court. The bankruptcy information is as follows : XXXX XXXX Bankruptcy : Bankruptcy, {$0.00}, XXXXXX/XX/XXXX, Reference Number XXXX, Date FiledXX/XX/XXXX, Filed at XXXX XXXX XXXX KY, XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX. I contacted XXXX XXXX XXXX KY was told the Court Never releases Bankruptcy information to the public, nor does it report to CRAs. I was also told by the Court that the only way such information is obtained is through the Public Access to Court Electronic Records ( PACER.gov ), which is a free service and provides the public with access to court records. Consumer violations are : 15 U.S.C. 1681 ( 4 ) : Congressional Findings, and 15 U.S.C. 1681c ( a ) ( 5 ) Information excluded from consumer reports, and no CRA may include any other adverse item of information to anyone. I have the right to privacy and LexisNexis is violating my right to privacy. I have never given LexisNexis consent or permission to give my information to anyone, which is a violation of 15 U.S.C. 1681b - Permissible purposes. The bankruptcy information is as follows : XXXX XXXX Bankruptcy : Bankruptcy, {$0.00}, XXXX XX/XX/XXXX, Reference Number XXXX, Date Filed XX/XX/XXXX, Filed at XXXX XXXX XXXX KY, XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX. Delete this information now. I have had no help with writing this complaint.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Aligned Company DBA Extra (TX)

This is my final attempt to cure and remedy this matter before seeking further counsel in regards to my last complaint XXXX, which I am following up to. XXXX has failed to supply me with authorization to share my non public information with non-affiliates. I have never signed an authorization for them to do so and all their responses are false and misleading. I was assured my non public information would not be shared with non affiliates. Otherwise, I have been mislead by XXXX and its use of language and securities fraud. This company refuses to upload the authorization to share with non affiliates to the CFPB portal and operating with great deception. As a financial institution as defined under title 12 U.S Codes it had refused to respect my privacy and my rights and continues to violate me and respond partially to my complaints.
Consumer complaint received 2024-04-02
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. (OH)

This is a company seeking money from me, we never agreed in no such contract there are sharing my personal information on different platforms without consent. I told the company that I will conditionally expect your offer upon proof of claim that if you can provide the original charging instrument for this account. Pursuant to the Uniform Commercial Code you must be holder and due course of the original charging instrument otherwise you may not make the presentment. If you you provide the original charging instrument I will gladly pay the said amount also I conditionally expect your offer upon proof of claim if you provide the XXXX OID that shows who the recipient of said funds. If this company can not provide this information its identity theft and must be removed off my credit report immediately and the cost of the violation XXXX XXXX dollars per penalty
Consumer complaint received 2024-04-01
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (HI)

I believe the account is invalid. XXXXXXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be update from my credit & their records. XXXX XXXXXXXX
Consumer complaint received 2023-12-18
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. (NC)

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 2023-12-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Dovenmuehle Mortgage, Inc. (CA)

Mailed demand letter XXXX XXXX. Filed CFPB complaint about XXXX XXXX XXXX XXXX XXXX ( XXXX ). Emailed various messages to XXXX XXXX replied with email regarding a different mortgage account, so non-responsive to the issues at hand. XXXX replied to CFPB complaint with a non-responsive letter allegedly drafted by XXXX XXXX XXXX This inidividual fails to respond to emails sent to XXXX but they don't bounce back. Individual not available by phone. This is insane. We are getting charged two annual account fees in the same year, get no monthly statements, no explanation of how our principal got padded high with funds that were not ours, daily interest was charged on these padded amounts. They are too XXXX or criminal to provide monthly statements. But they are able to mail inappropriate warning notices which fail to address their mishandling of funds and double-charged fees. This lender should be shut down for failure to abide by basic banking regulations, practices and procedures.
Consumer complaint received 2018-08-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

on XX/XX/2018 I sent a letter with the following verbiage to Portfolio recovery to VALIDATE THE DEBT : below is the exact letter verbiage sent to XXXX XXXX XXXX XXXX Dept XXXX XXXX XXXX XXXX  XXXX XXXX ca XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --. 


This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 

Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt.

2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
-- -- -- -- -- -- -- -- -- -- -- - None of the above was provided the only thing that was sent a letter stating the debt was purchased by them from XXXX XXXX and several bills which is not validation
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Aligned Company DBA Extra (TX)

This is my final attempt to cure and remedy this matter before seeking further counsel in regards to my last complaint XXXX, which I am following up to. Extra has failed to supply me with authorization to share my non public information with non-affiliates. I have never signed an authorization for them to do so and all their responses are false and misleading. I was assured my non public information would not be shared with non affiliates. Otherwise, I have been mislead by Extra and its use of language and securities fraud. This company refuses to upload the authorization to share with non affiliates to the CFPB portal and operating with great deception. As a financial institution as defined under title 12 U.S Codes it had refused to respect my privacy and my rights and continues to violate me and respond partially to my complaints.