davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
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)

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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (CA)

This complaint is about Wells Fargo trying to, in effect, steal {$5000.00} from me. On XX/XX/, I initiated a transfer of {$5000.00} from my checking account into my wife 's Wells Fargo Checking account. On the same day, my wife closed her Wells Fargo Checking account, and was issued a check for those funds at a bank branch. That check did NOT include the $ XXXX from the transfer I initiated on XX/XX/XXXX. However, the transfer was processed by my bank and the $ XXXX was deducted from my account. If we had not been paying close attention and caught this on our own, Wells Fargo would have kept that money, rather than issuing a refund or cancellation of the $ XXXX transfer, which is what they should have done. The transaction could not be completed because the XXXX  account was closed, so the transaction should have never went through. But the transaction did complete and the $ XXXX disappeared, as far as we're concerned. My wife had to reach out to Wells Fargo customer service to try to resolve this issue -- Wells Fargo claims they are " investigating '' but we haven't received a resolution. I'm raising this complaint because I worry that other Wells Fargo customers may experience similar situations where transferred funds disappear, or don't go where they are supposed to. It should not be incumbent upon the customer to verify that bank transfers are completed properly.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I sent the company XXXX XXXX a dispute for an account that isnt mine months ago. Next, I filed a complaint with the CFPB XX/XX/2023 and it has been way over 30 days. I feel like they are prolonging their process and not deleting the account. It is now XX/XX/2023 and still no removal or deletion when the company knows thats not my account or debt.
Consumer complaint received 2023-11-22
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-11-22
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. (NY)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NY)

On Monday XX/XX/2023, I was scammed at a XXXX XXXX. The aggressor took my phone from my hands and sent herself {$1500.00}. The agreed amount was {$100.00}. She took advantage of me and intimidated me to trick me into sending her money. 

That night I made the claim with Wells Fargo and soon after made one with the police. Wells Fargo almost a month later closed my claim. They said they do not accept police reports as support for their investigation.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

XXXX of XXXX, I disputed XXXX bankruptcy accounts shown on my credit file. I requested the bureau to provide the name of the person/persons or company and documents provided to verify any and all information associated with the alleged bankruptcy shown on my credit file and credit report. The bureau only responded stating the information was verified and updated. The verification the bureau states to have received is FRAUD. I contacted the Bankruptcy court asking if they report or speak to credit reporting agencies. They responded and I am attaching their response to this complaint.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Dear Sir or Madam, Carrington illegally furnished information to consumer reporting companies that our account was delinquent, rather than current, even though our loan was under an approved XXXX forbearance. Carrington also falsely told us that we would be assessed or had been assessed late charges while under forbearance. Enclosed you will find evidence showing that : XXXX. We applied for and were approved for a XXXX XXXX for a VA Loan from XX/XX/XXXX, to XX/XX/XXXX. 
2. Carrington Mortgage violated the CARES Acts and illegally reported our loan as late to the credit bureaus for the exact months our loan was under the XXXX Forbearance for XXXX, XXXX, and XXXX of XXXX despite the written notifications that stated : You are currently on a XXXX Forbearance plan. You are not required to make any payments during the XXXX forbearance period. In addition, you will not be assessed late charges, receive adverse credit reporting and there will be no foreclosure action during the XXXX forbearance period. This has caused us considerable damage, emotional distress, and delayed family projects. 
3.Carrington Mortgage demonstrated willful negligence and gross non-compliance with the CARES Act when we informed Carrington of the errors and they did not correct them. Instead, the representatives misled us to believe that the XXXX forbearance program is no longer in existence. However, your website ( XXXX ), as of the date of this letter, states the program is active and available until XX/XX/XXXX. 
4. Additionally, we were deceived about our repayment options ; Carrington attempted to put us on a loan modification that increased our monthly payment by more than 60 %. 
5. Carrington Mortgage has a history of deceptive acts and practices under the Consumer Financial Protection Act with regards to mortgage forbearances and subsequent action was taken against Carrington Mortgage by the Consumer Financial Protection Bureau for these very same violations in XX/XX/XXXX. Despite the order to repair the faulty business practices, they continue. Enclosed are the following articles of evidence : 1. The written statement from Carrington Mortgage regarding our approved XXXX  Forbearance. 
2. The mortgage statements with the XXXX Notice for the months of XXXX, XXXX, and XX/XX/XXXX. 
3. A recent copy of our credit report shows the falsely reported late for XXXX, XXXX, and XX/XX/XXXX. 
4. Carringtons attempt to overcharge us for a loan modification. Records of our attempts to resolve the errors.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, 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. (IL)

This Is A Ongoing Dispute With TRANSUNION and XXXX XXXX XXXX ( Bank ) .there was a unauthorized hard inquiry placed on my credit report XX/XX/2023 from XXXX XXXX XXXX ( Bank ) and notified both the bank and Transunion , The bank as soon as I seen it, I talked to the banks fraud department and they determined that it was fraudulent and I was told I would receive a letter and transunion will be notified, I havent received the letterXXXX transunion reps told me they havent received anything either but now I cant contact a transunion rep, or use the app anymore and its been 90 days I always asked the bank to resend the information but I got hung up on, on two different occasions. They both said Ive reported the problem of the fraudulent inquiry. I didnt apply for anything and I dont plan to until fall
Consumer complaint received 2023-11-22
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. (GA)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX XXXX XXXXXXXX Balance : {$70000.00}
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Using the US Government 's Social Security Administration 's website, I attempted to create an account. That account is know as : " my Social Security ''. The SSA website will not allow this. Reading at that website about the SSA 's " Identity Service Providers '' or XXXX, Experian and XXXX XXXX, I see that I should dispute a credit report. To do that, I try to obtain an annual credit report first from XXXX. There, one can select any or all of the three credit reporting services. I first selected XXXX. I fill in all the required online information. XXXX  returns a result and my request is denied. I then call the ConsumerFinance.gov telephone. In speaking to an agent, she says to try Experian. I returned to the XXXX webpage and enter my name, and details and ask for Experian. It returns a no-can-do as did XXXX. I have done this for several years and each time, I get a no-can-do. I am trying to establish an online account with the Social Security Administration. I can not do this as I can not see what is missing from my " credit report '' for the Social Security Administration.
Consumer complaint received 2023-11-21
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. (NJ)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : 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 2023-11-21
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. (VA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-12
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. (CA)

On XX/XX/year> XXXX XXXX closed my account in the amount of {$710.00} and reported it to the consumer credit reporting agencies as " charged off ''. Since then, I have not yet received the 1099-C form for a Cancellation of Debt for this item. I am requesting again that this be removed from my credit report and to send me the 1099-C that I am entitled to. This has put a major ding on my credit report and needs to be taken care of.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

A fraudulent unauthorized ( by XXXX ) withdrawal took place on XX/XX/ for {$2000.00} from our checking account. We believe our card was duplicated at some point, as my husband had the card in his position at all times. A police report has been filed with the XXXX, AZ police department. We received a call from a Wells Fargo phone number regarding the transaction. My husband stated that he did not use his card as I just had a total XXXX XXXX the day before and he was my caretaker. We have filed claims twice with the second escalating to the fraud executive department. Both claims were closed without explanation and a refund would not be given. We were told there is nothing they can do. As customers for over 20 years we find this unacceptable!!!
Consumer complaint received 2017-09-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (TX)

My wife XXXX and I requested a Loan Mod through Nationstar Mortgage Loan number XXXX in XXXX. We had a fixed rate FHA Loan at the time we requested the Loan Mod. Due to limited communication from Nationstar during the approval process of the Loan Mod which took Several months to approve we did n't know until we received paperwork to sign indicating there was an XXXX baloon payment being added. Out of desperation due to my wife being unemployed we accepted it. We felt that if we sold our home are Refinanced it the Baloon note would be included as part of our total payoff. We refinanced our Mortgage with XXXX XXXX in XXXX XXXX and received a Conventional loan, Loan. number XXXX. We were excited as we requested a Cash out Reference to take care of some home improvements. In XXXX XXXX we received a collection notice letter from XXXX XXXX with HUD regarding repayment of the XXXX balloon note. We also received a collection notice from US Dept of Housing attempting to collect debt. On XX/XX/XXXX I spoke with a Supervisor with Nationstar Mortgage now known as XXXX who provided me a paid in full letter to provide HUD and insisting the XXXX balloon not was a part of the Payoff and we owe nothing. I had to leave a message with XXXX XXXX with HUD XX/XX/XXXX asking her to contact us so we can provide the Paid in full letter provided by Nationstar Mortgage. Her voicemail stated she will be out of the office until Monday XX/XX/XXXX. Thus far HUD has reported this to the Credit Bureaus thus ruining our Credit and are threatening wage garnishment which will destroy our Finances as well. My wife was rescently hospitalized in XXXX with XXXX problems and has accrued a large amount of Debt from that. Any assistance you can provide in this matter would be greatly appreciated. Sincere thanks, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, TxXXXX. My number XXXX, XXXX 's number XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account is only being report to 2 of the 3 credit bureaus which are XXXX and XXXX. The account is not being reported to TransUnion. I called XXXX # XXXX ( XXXX XXXX department ) and was told they cant report my account to TransUnion. But in the response to my CFPB complaint they said theyll report my account to all XXXX bureaus TransUnion, XXXX and XXXX. I also call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a total of XXXX times which he did call me back today XX/XX/2024 but he ended the call ( yes the call came through but was disconnected so fast that I was not able to accept it )
Consumer complaint received 2023-12-28
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.