davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act, the following account companies have violated my rights. 

- VXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 with 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 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DEPTEDXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the Credit Reporting Agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-05-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I have sent multiple disputes for the last FEW YEARS that the credit bureau has failed to properly respond to. CFPB does not appear to be holding them accountable for the egregious FCRA violations, thus unverifiable and erroneous items have been continuously negatively impacting my credit file.
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit reporting act XXXX XXXX XXXX  and Capital One has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USc 1681 section 604a section 2 also states that consumer reporter agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat payment on a credit card under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-28
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC (TX)

I received an email from. XXXX XXXX on behalf of Jefferson capital system llc trying to reach out for an over XXXX XXXX XXXX debt from XXXX. I have requested to see the original signed contract signed at the start of service with XXXX Since the first email Ive started receiving consecutive communication
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation (LA)

I have an account with Aspire back in XX/XX/2024 they cancel my account. They still billed me for annual fee in XX/XX/2024 and monthly maintenance fee every month. I notified them about my financial situation and they refused to help me. They told me they didnt have no program to assist me with my financial crisis.
Consumer complaint received 2018-10-06
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: EQUIFAX, INC. (KY)

I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX   XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act XXXX/XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX
Consumer complaint received 2017-11-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I lost my job in XX/XX/XXXX. I was going thru a separation, but managed to make my full payments until about XX/XX/XXXX. I worked with Wells Fargo and got a forbearance and made my payments on time for a year when the forbearance was up. At that time some of my circumstances had changed, so I worked with Wells Fargo again to try to enter into a modification.
The separation from my husband is critical because though he had n't lived in the house since XX/XX/XXXX, his income, as well as his rent were still being considered as part of the " family income ''. When I tried to modify the loan in XX/XX/XXXX, he became unemployed. Wells Fargo determined circumstances had n't changed enough to enter modification.
I continued to talk to Wells Fargo throughout the summer. I let them know in XX/XX/XXXX that I had received a full time job offer, and I also had a renter and a rental agreement. Wells Fargo advised me that my separated husband and his income, and rent would still be considered. They advised me that I needed a quit claim deed.
So, for the past 2 months, I have been sending Wells Fargo document after document.
They have : An offer letter from my employer ; 1 months worth of check stubs from my full time job ( XXXX/year ), XXXX work ( XXXXyear ), rent received ( XXXX year ) child support ( XXXXyear ) ; Rental agreement ; Separation agreement with the amount of child support ( court sealed ) quit claim deed putting the house in my name ( court sealed ) Partial Property settlement awarding me the house, signed by my husband and me, as well as notarized. ( Not court sealed as it is not required to be by MD law. ) 2 pieces of documentation proving residence of the renter.
The one sticking point is that the partial property settlement is not court sealed.
We are proceeding with the divorce, it should be uncontested.
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Consumer complaint received 2024-03-23
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. (DE)

XXXX XXXX is showing 2 collection accounts on my credit report. These are accounts I am unfamiliar with. I have been disputing these 2 accounts for debt verification for over a year. I have repeatedly asked for the original signature pages, which I am entitled to under the law, and despite not once providing the proof required by law my disputes have been repeatedly closed by Transunion, XXXX XXXX and XXXX XXXX as " verified '' without providing any of the required proof of said verification. This is in violation of numerous consumer rights and needs to be addressed.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

In accordance to the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy. 
Account name XXXXXXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX  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 consumer report agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NY)

Subject : Failure to Confirm Servicing Period and Mortgage Ownership for XXXX XXXX Trust Loan Dear CFPB, I, XXXX XXXX , executor and beneficiary of my late fathers estate, have repeatedly contacted XXXX XXXX to confirm critical information regarding my fathers mortgage loan, specifically related to the XXXX XXXX trust. Despite several attempts, including direct correspondence and a conversation with a customer service representative, I have received no definitive confirmation about whether Nationstar serviced this loan between XX/XX/XXXX and XX/XX/XXXX. This information is crucial for me to collect insurance repair funds of {$72000.00}, which, with interest, now amounts to {$200000.00}. 

The loan in question originated with XXXX XXXX XXXX on XX/XX/XXXX ( Loan # XXXX ), and I believe it may have been transferred to the XXXX XXXX trust, serviced by Aurora Loan Services before Nationstar took over. I seek confirmation from Nationstar regarding the servicing of this loan during the time frame mentioned. 

I have attached a copy of my written requests, including the estate documentation for reference. Despite this, Nationstar has not provided the requested information. I need CFPBs assistance in ensuring a timely and appropriate response from Nationstar regarding their role as the master servicer for this loan. 

Desired Outcome : I would like Nationstar to confirm in writing whether they were the master servicer of the XXXX XXXX trust between XX/XX/XXXX and XX/XX/XXXX and clarify if XXXX XXXX XXXX or controlled my fathers mortgage loan. This confirmation is critical for me to proceed with the estate and claim the funds due. Thank You, XXXX XXXX for the Estate of XXXX XXXX XXXX
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In 2018, Bank of America ( aka Bofa ) took more than {$6200.00} from my checking account via their " Bill Pay '' service, but did not pay the bill... .for furniture. The furniture company had a man call and threaten to ruin my credit if I didn't pay. So, I went to the local branch on XXXX XXXX in XXXX XXXX, FL and the then president transferred the payment to XXXXXXXX XXXX  and paid for the furniture. He was unable to reach the Bill Pay dept of Bofa at that time. 
In 2018, I received a credit/debit card that may have had the money on it, but I didn't comprehend that and neither did the Bofa employee who told me to destroy the card. I did. After explaining this to Bofa, I was told a check would be sent. I received a statement showing a " fraud adj check '' was sent. There was no fraud, but the person at Bofa told me they didn't know another way to describe this. To make matters worse Bofa has totally fraudulent stuff on XXXX thus greatly damaging my credit score. It went from excellent to terrible. I have 0 Bofa accounts since early 2018. All credit cards were paid in full. I paid again to have the bad report removed from XXXX etc... The bank showed I owed them {$130.00} ... but told me I had to pay {$550.00} ... I did. The fraud report is still on XXXX etc and I still did not get my money back. I was turned down for a home equity loan by my bank XXXX because of the false reports on XXXX. To contemplate matters more Bofa has sent a fraudulent statement pretending I charged {$6200.00} and paid it back... thus stealing my money. At no time have I ever charged that amount on any card. This is fraud grand theft by Bank of America.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Collection Management. Inc (OH)

Went to custom ice jewelry store. Asked about financing owner told me it would show a soft pull on my credit report but instead there is a charge off of over XXXX dollars. I did not receive any product. This charge is inaccurate and fraud.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SECURITY CREDIT SYSTEMS INC (NV)

No. XXXX. The matter is reported to the authorities. United States Department o Education, get these illiterate, ignorant, incompetent, perjurous, panhandling frauds out of my inboxes. XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: First National Collection Bureau, Inc. (MS)

Text received : I am not in arrears to ANYONE!!! Ive worked really hard to get everything paid down and/or off & have gotten my credit score up into the high XXXX!!!!! 

Ive NEVER heard of this company. 

XXXX FNCBXXXX is a debt collector, please contact us regarding ref # XXXX. Visit XXXX or call XXXX. Reply STOP to stop.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I paid and closed my car loan on XX/XX/XXXX, and this company reported me 30 days late for XXXX even though the loan was paid in XXXX. That makes absolutely no sense, I need this late remark removed from my credit report.
Consumer complaint received 2023-02-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants' Credit Guide Company (IL)

All of these charges were brought about during my XXXXXXXX XXXX XXXX. Theire client XXXX XXXX neglected to use my Medicaid insurance along with my Medicare insurance which they have copies of both. I did not receive mailed statements for services rendered and aslo had no copays of these amounts. As of this writing they still do not do proper insurance billing as it is faster for them to send to Merchants Credit Collection. I no longer owe XXXX these debts as they were given to Merchants Credit
Consumer complaint received 2017-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

My escrow payment went up and i did not know it, so on the 4th month Carrington Mortage decided to suspend my payment for the month of XXXX. When i received the letter at the end of XXXX stating that my mortgage payment was not received, i immediately checked with my bank to find that the check had been cashed and was in a 'suspense ' account at Carrington XXXX Due to their system i could not just pay that shortage amount i paid the past due escrow amounts plus my XXXX mortgage payment. 

Today i get a letter in the mail stating that i owe another XXXX. When i call customer service they told me it was a fee assessed on the same day that i made the payment. 
It was a collection type of fee, that i was not told about when i made the payment on line. 

In order for me to get this fee removed i must write to their other department. i can not speak to anyone about this. 
They have assessed a late fee which i have already paid when i paid on XXXX. 

In general, they are extremely difficult to communicate with.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I am a natural person, I am a living humban being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privace and I did not give Equifax written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX