davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-28
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: EQUIFAX, INC. (PA)

I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was not made in error. I XXXX XXXX XXXX, also did not give you credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). This account due to inability to verify that the information on the account is mine and accurate, yet this account still reporting to my credit report. As stated in my last letter I am a victim of identity theft, and this was reported to the Federal Trade Commission. It is to my understanding that the creditors are required to report the same information to all three credit bureaus as written under the FCRA. As a consumer I request that you provide In FULL DETAIL the procedure that was used to investigate these fraudulent accounts. If you can not do so, please block and remove this account from my credit report as soon as possible, thank you. Please note these accounts are only reporting on EQUIFAX XXXX XXXX XXXX ( XXXX  ) Date opened : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) Date opened : XX/XX/XXXX
Consumer complaint received 2021-05-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (PA)

I received 3 phone calls from them between XXXX XXXX  and XXXX XXXX  from a restricted number when i advised them they cant do that it is harrassment i was told it doesnt matter we can call you 9 times a day regardless of how far apart the calls are. Also they are not calling from a number i can call back to, they dont say the calls are recorded for quality insurance, that the calls are intended to collect a debt or any of that in their calls. This is unacceptable. Ive missed 1 payment due to being out of work due to emergency XXXX.
Consumer complaint received 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

After filing my first complaint due to numerous telephone calls and not getting a response, This complaint is being filed as an additional amount of extensive telephone calls have been made to get information on a  Quiet Title Action th at is currently pending. We need an assignment or a corrective lien release -- We need to know the status of the  Quiet Title Action.
Consumer complaint received 2023-03-09
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$170.00} XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$93.00}
Consumer complaint received 2017-09-09
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. (OH)

Equifax did not take the necessary steps to safeguard my information, as well as the information of many others. Their recent security breach ( announced XXXX XXXX 2017 even though they were aware in XXXX 2017 ) is unacceptable for an organization that freely collects as much personal data as it does without the consent of the people it is collecting on. My only course of action here is to put a fraud alert on my social security number for the next 90 days and hope that my stolen social security number wo n't be used in the future to steal my identity. I do not wish to utilize the proposed Equifax credit monitoring services because it waives your right to be involved in a class action lawsuits against them.
Consumer complaint received 2023-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (PA)

True testimony in a affidavit form I XXXX : XXXX secured party creditor, authorized representatives for XXXX XXXX and my daughter XXXX XXXX went to The Dealership dba XXXX XXXX on XXXX XXXX, at the XXXX territory. After running my credit giving them access to my social security number ( my credit card ), the sales man came and told me that I was approved to get a car. But they say I was only approve a cheaper less value automobile which will allow me to build my credit. I told them that once my credit is approved I can pick what I want. so anyway I agree to take less value auto. Then They said I had to put a downpayment which at this point I told them the law do not require me to put any cash down 15 united states code 1605 all transaction are paid infull. Sales man stated bank said if you want this car you have to pay the down payment, So under duress I give the FRN 'S. now after 2 years of giving Ally frn '' s I filled a 1099a with the internal revenue department that was access by the Treasury and I filed Ucc-1 financial statement. after all this Ally responded back and we can not accept any more payments. XXXX months they repo ( stole ) my car. And sent a letter stating I owe the XXXX in cash if I want my car back. Please help.
Consumer complaint received 2021-05-29
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. (NJ)

I purchased a vehicle from a dealership in XXXX, NJ called XXXX XXXX XXXX XXXX. The bank that approved me for the loan was XXXX XXXX. As of today it is now well over 60 days since the date of purchase XX/XX/21. The dealership engaged in unfair and deceptive business practices, I still do not have plates for my vehicle. The bank XXXX XXXX has not only failed to obtain the vehicle title from the dealership, they have also engaged in unfair and deceptive business practices. 

XXXX XXXX has violated my consumer rights by violating the FCRA. 
They have reported a vehicle loan on my credit report insinuating that I am paying them for a car that THEY DO NOT LEGALLY OWN. The bank has already paid the dealership for the car. THE TITLE WAS NEVER GIVEN TO ME, I WAS NEVER LISTED AS THE OWNER/ FINANCER OF THE CAR NOR WAS CREDIT ACCEPTANCE LISTED AS THE LIEN HOLDERS. 


THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT, NOR SHOULD I BE MADE RESPONSIBLE FOR PAYMENTS UNTIL THE BANK HAS OBTAINED THE TITLE AND ARE LISTED AS THE LIEN HOLDERS.
Consumer complaint received 2020-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

I sent in my usual mortgage payment for XXXX ... they cashed the check but did not credit my loan. 

I sent them proof of my payment ( front and back of check ). 

Now they say they don't know where they applied the money for my account and are " again '' asking me for proof of payment. 

It's not my problem that they received my check for my mortgage, cashed it, but didn't credit it to my loan. 

Now I'm concerned my credit score will be ruined ... my normal score is over XXXX!
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have sent in several times my Social Security card and license to verify that the Social Security number that they have is incorrect. They have lost it several times. I also went online and uploaded these documents to equifax. Equifax is not trying to correct this information. I don't know how they even attached this to my credit. This incorrect information has caused me not to be able to get a loan and move forward with my life. I have tried several times talking on the phone and sending in the correct information and nothing has changed.
Consumer complaint received 2021-05-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (AZ)

XX/XX/2021 Sirs, I have been using Us Direct Express, underwritten by Comerica Bank, for over ten years, and now experiencing major issues with the service and support from this company.

The issue I have with US Direct Express is that for the past few months, Direct express has denied me the ability to transfer funds though their website and telephone service, to any one of my current bank accounts.

I have tried as least a dozen times in the past three months to transfer small amount of funds ( {$25.00}, {$50.00}. {$100.00} etc. ) without it being rejected and being credited back to my account. 

As a XXXX person XXXX  XXXX, I am not able to leave the house, especially during Covid, and find an ATM. I cant pay my bills and expenses though Mastercard, and dont want to carry large amount of cash for security reasons, and go into my bank with large amounts of cash, and be accused of laundering money. 

I have spent hours on hold trying to talk to someone at Direct Express as to see if there are any hold or issues with the card, or myself, as I have been a holder of this card for almost ten years without any problem or issue.

The time I did finally get through to someone, I spoke with a woman who was pleasant enough, but would not even look into my problem, but just read a how to statement on the process of transferring funds from the Direct Express Mastercard to my bank account. She refused to address my issue and the call ended.

I even opened a checking account at Comeria Bank, thinking this might work as the card is issued by Comerica, but it did not go through.

My creditors do not accept Mastercard as a payment for bills and expenses due. The only thing I can do, as of this date, is withdraw cash, but for security and access issues, make it near impossible to use the funds deposited on my Direct Express Mastercard.

I dont know what I can do further to fix this issue, but quite frankly, the service from Direct Express has deteriorated tremendously over the past few years, and according to my research on search engines, I am not the only person who has issues with this company.

I am hoping by contact the CFPB, I can fix my issue, and go back to using the Direct Express Mastercard in the manner it is advertised and described on the Comerica Direct Express, and Treasury website.
Consumer complaint received 2021-05-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Trial modification, approved permanent, signed documents on XXXX XXXX. To this date, Wells Fargo has not returned my documents, I have called Wells Fargo many times, they are to busy it will take weeks before my modification would be finalized.
Consumer complaint received 2021-05-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I open a Citi bank account and made a couple deposits and i got my atm card and out of nowhere my account its frozen and i called and they told me that my account was goi g to be close due to Fraudulent activities which they couldn't dnt tell me but i only deposit cash i to the account so i went into the branch and i explained what had happen and that it was fine to close my account byt i wanted to get my money back and they gave me a phone number to call and i haven't had an answer to my questions yet nor my money back i called them several time s but its always the same tjing all i want is my money back
Consumer complaint received 2017-07-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I went online to pay my  XX/XX/XXXX  WELLS FARGO mortgage on  XX/XX/XXXX . The payment posted from my  XXXX  account on  XX/XX/XXXX . On  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  WELLS FARGO attempted to take an additional mortgage payment from my  XXXX  account. This resulted in 3 separate fees of {$29.00} withdrawn from my   XXXX   account because they made 3 separate attempts to withdraw this additional payment. I called Wells Fargo and spoke with  XXXX  who was no help at all. She explained that once I made the payment on  XX/XX/XXXX  it should have reset my pay to the next cycle in  XXXX . Which I agreed. But then she started back tracking saying that it is not Wells Fargo fault and I should have called when I made the payment. She essentially tried to blame me for wells fargo system jot doing what she explained that it was supposed to do.This is unacceptable and cheating a loyal customer out of money. I have been with Wells Fargo mortgage since  XXXX   and have never been late or missed a payment.
Consumer complaint received 2023-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I have sent 2 separate VALIDATION of debt request, and the company failed to provide the documents I requested. I requested documents in writing with specific instructions, which the company refuses to produce. The company can also not validate the consumers DOB or SS #. I have asked for information which the company must not have and can not provide. If the company does have this information, and can provide it they have refused. I am asking the CFPB to interject here and force the company to produce the documents, validate my ( the consumers ) DOB, SS #, and provide any instrument which clearly shows the consumers signature. I am also asking the company provide COMPETENT proof of the debt in question. In addition I am asking for legal proof the company has the right to collect this debt.
Consumer complaint received 2021-05-28
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. (MA)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (VA)

The company in dispute is NetCredit. My loan through them started at {$2500.00}. I have never been late, and payments automatically come out of our account every two weeks. NetCredit will not update my account with the credit reporting agencies. My current balance is {$1500.00}. NetCredit keeps reporting that Im at or over my credit limit. Thats nearly a {$1000.00} difference and I want it fixed asap, because its not helping my credit with their false balances.
Consumer complaint received 2023-08-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc. (CA)

The company contacted my mother in regards to the debt while i was in the hospital giving birth around the date of XXXX XXXX XX/XX/XXXX giving her information to a debt owed and asking if i was available
Consumer complaint received 2021-05-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-02-24
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Kingston Mediation Services (CO)

A company called Kingston XXXX XXXX telephoned me and told me that I had entered in to an agreement with them and I owe them money for a payday loan. I never took a payday loan. I do n't owe money to anyone. They threatened to have me arrested and told me to call my lawyer.
Consumer complaint received 2017-07-15
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. (NY)

In  XXXX  of 2016, there were  XXXX  credit inquiries to my credit report that I did not authorize.
 XXXX / XXXX /2016  XXXX   XXXX    XXXX / XXXX /2016- XXXX   XXXX / XXXX /2016-  XXXX   XXXX    XXXX / XXXX /2016- XXXX
Consumer complaint received 2021-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC (CA)

# 1 on XX/XX/21 I contacted XXXX XXXX XXXX ( continental finance ) because of fraudulent card payment activity on my credit card. I spoke with several representative and explained to them that there was a payment of {$460.00} and a payment of {$520.00} made out of my bank account that was not authorized by me. The account was closed and I was issued a new card but still charged 2 separate {$30.00} stop payment fees. 
# 2 on XX/XX/21 I received to separate emails from continental finance confirming my payment to the card for {$140.00} and another payment of {$340.00}. Also the name on my account has been changed to XXXX XXXX. I contacted continental finance and nothing was done about the charges and my account is compromised by this company including my social security number, home address and bank account information.
Consumer complaint received 2024-04-15
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. (TN)

I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission in violation of the privacy act of 1974 etc. I have not authorized any of these creditors listed to have access to my credit report, and/or score.

Please remove this information : Addresses:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Employment : XXXX XXXX These accounts was not made by me. I never gave written consent to furnish on my credit report. : 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
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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 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
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: HireRight Solutions, Inc. (AZ)

My consumer reports are different names not my actual name. Also im trying to get a job with a good company for once and my background is 100 % inaccurate. A  XXXX  search says more about me than the consumer reports that not in any way was I asked if its actually me. I had my Id stolen and lost it happens but my  Social security/ IRS statement says  actual events while the consumer report is just a computer guessing or a guy on a computer trying to figure out who some one is.  XXXX  works better honestly. Its recent and honest. Im sure im not the on ly one with  this problem. I imagine people that are not tech savy. The lies and guesses that they receive sure explains why alot of people are unemployed!!
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.