davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-28
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: EQUIFAX, INC. (TN)

I have mailed and faxed this credit bureau beginning on XX/XX/XXXX to XX/XX/XXXX on numerous occasions asking for these inquiries to be removed that I didn't approve or know knowledge of. I even placed a fraud alert, reported them on the FTC website and have frozen all three bureaus and they still have not deleted the following inquiries : XXXX XX/XX/XXXX a fraudulent acct that was closed due to fraud on my account. XXXX XXXX XXXX  XX/XX/XXXX a account that was paid and closed in XXXX, so how is there a new inquiry from that company. XXXX XXXX XX/XX/XXXX that was a fraudulent inquiry.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.
Consumer complaint received 2023-05-26
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: Bread Financial Holdings, Inc. (NY)

According to, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN COSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2016-09-29
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: NATIONSTAR MORTGAGE LLC (TX)

XXXX XXXX XXXX an alleged Attorney Firm, but debt collector defined in the FDCPA along with XXXX XXXX, XXXX XXXX and Nationstar Mortgage has criminally engaged in XXXX, abuse and harassment XXXX against the named consumer and her family, household.
Consumer complaint received 2017-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I reported that my Macy 's credit car was stolen and they did n't ask for ID card or any prof some hody make a purchase at Macy 's department store and why they place me on collection I will sue Macy 's if you did n't take of my mane from collection
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX was previously filed this month. I am writing to file a formal complaint against Capital One regarding egregious misconduct and mishandling of my credit card accounts. This complaint serves as an update to the case number referenced above, which was filed earlier this month. 
On XX/XX/2023, Capital One 's fraud unit acknowledged fraudulent activity on XXXX of my XXXX accounts and accepted responsibility for the occurrence of the fraud. However, I was unjustly accused of " XXXX XXXX XXXX '' without any explanation or evidence provided by Capital One to support this accusation. When I sought clarification on what " XXXX XXXX XXXX  '' entailed and how I supposedly engaged in it, Capital One refused to disclose their rationale behind this determination. 
Furthermore, when I contacted Capital One on XX/XX/2023, to report the fraud, they initially denied any record of my complaint. Only after I provided evidence of the call through my phone records did the fraud specialist acknowledge the call. Similarly, in XXXX, when I requested to deactivate my credit cards due to theft of my wallet and phone, Capital One first denied the existence of this call, then admitted to it but claimed that I only requested to deactivate XXXX card and not all automatic payments. Subsequently, when confronted with evidence of the call, the specialist provided inconsistent and contradictory explanations, displaying a lack of transparency and accountability. 
Capital One 's failure to address the fraudulent charges on my accounts and their mishandling of my requests in XXXX resulted in my cards exceeding the credit limit and incurring over XXXX returned payments. This not only impacted my credit score but also subjected me to additional financial burden and stress. 
Moreover, by repeatedly exceeding the credit limit and breaching the terms of the card agreement, Capital One has demonstrated a blatant disregard for consumer rights and financial responsibility. Such behavior is unacceptable and warrants immediate investigation and action by the Consumer Financial Protection Bureau. 
I urge you to thoroughly investigate the fraudulent activity and mishandling of my accounts by Capital One and take appropriate measures to hold them accountable for their actions. I also request prompt resolution and restitution for the damages incurred due to their negligence and misconduct.
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (LA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: AMERICAN EXPRESS COMPANY (FL)

This may be a XXXX-type complaint about American Express. I had, and cancelled, an American Express credit card years ago. But a little while later, I was suddenly reinstated. I then cancelled it again and, a while later, it was again reinstated. I gave up and now just keep it in the drawer. However, last year I received notice that I opened a high-yield savings account. At the time I called the police thinking my identity had been stolen. However, given the XXXX XXXX news of aggressive salespeople opening unwanted accounts, I 'm now wondering if this explain it better, yet via a different company.
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

lease find attached the FTC documents and my dispute letter on an account that i fraudulent located on my records.please have this account removed from my credit reporting since i need your help .the mentioned account is not mine and i have never authorized this account to be issued.
Consumer complaint received 2024-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Action Professionals, Inc. (CA)

Action Professionals is trying to collect an alleged debt of {$30.00} plus XXXX cents interest for a copay under my XXXX XXXX XXXX XXXX XXXX program collected at the time of service. They claim that on XX/XX/year>, more than six months ago, I owed {$1000.00} and ten the claim XXXX cents interest accrued and that sometime after that they were paid {$1000.00}. In fact they were also paid the {$30.00} copay at the time of service and they have ignored my receipts for that and claimed the payment was for something else.
Consumer complaint received 2023-03-02
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. (IA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I am currently behind in my mortgage payments with Nationstar and have a foreclosure sale date scheduled on XXXX/XXXX/16. They are reviewing me for a loan modification and all the requested documents have been provided to them. They are telling me that the sale date may still go through which is why I am reaching out to you. Please provide any assistance in getting my sale date postponed.
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX
Consumer complaint received 2023-05-24
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2015-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion continues to report bad and incorrect infromation on my credit report regarding XXXXMortgage., Acct # XXXX. TransUnion is reporting that, 'Legally paid in full for less than the full balance '. This is incorrect, as the BALANCE WAS PAID IN FULL and there was not a settlement for less than the full balance. Supporting documentation attached
Consumer complaint received 2023-02-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is about Claim # XXXX which BoA denied. {$2500.00} was sent erroneously to a " XXXX '' on XX/XX/2022 and I've been told that the bank can't help me. This transaction was covered under Reg E so I should be compensated if the bank can't recover the funds.
Consumer complaint received 2023-05-24
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1900.00} XX/XX/XXXX are not accurate. 
15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Atlanticus Services Corporation (GA)

I started receiving collections calls from XXXX  XXXX stating my payment was overdue for the month of XX/XX/2021. I made a payment on XX/XX/2021 and my due date was XX/XX/2021. My payment has not been returned to my bank. I called into Aspire and spoke with the supervisor on XX/XX/2021 at XXXX XXXX  eastern standard time and my issue has still not been resolved. Aspire has the WORST customer service ever. I will pay this credit card off and close this account it is not worth the headache to deal with this company. I would like to request that this company closes my account and I will continue to make payments until this account is paid off.
Consumer complaint received 2023-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear CFPB, I was legitimately late, but writing to explain the circumstances that led to the late payments and request your assistance with these two accurate late payments. The late payments are listed on my XXXX XXXX XXXX for XXXX XXXX  and XXXX XXXX. The account number is : XXXX My first ever consecutive late payments in 5 years with XXXX XXXX were due to a Federally Declared Disaster in California, a death in my immediate family ( death certificate available ) and my household getting infected with the XXXX XXXX  around the time of my two late payments ( explanation letter sent to XXXX/Bureaus attached ). 

I asked if they can please remove these late payments because my home 's refinance was stopped due to the two lates and our family is now in danger of loosing the home, but they sent a letter saying they have to report it by law and have no discretion to make a good will adjustment. Oddly enough, despite all my calls no executive wanted to get on the phone with me to confirm or deny this lack of discretion, and no officer or director answered any of my calls or voicemails. 

While the creditor is not doing something illegal, they are definitely being unreasonable in not removing my first ever late payments to them in five years of on time payments.
Consumer complaint received 2023-03-02
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. (PA)

Months ago, I have sent a letter to the three credit bureausasking 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
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. (NC)

A few months ago I notice that I was a victim of identity theft. I reached out directly to the creditors and reached out directly to the credit bureaus. Neither has been helpful in stressful situations. My identity was taken and I am suffering from the aftermath of it. Police reports have been provided to both credit bureaus and creditors to show that this matter is serious. 

The following accounts on my credit reports were due to someone taking my identity. An FTC complaint was filed and I am still unable to get any resolution : XXXX XXXX  {$660.00} charge off account XXXX XXXX {$870.00} charge off account XXXX XXXX XXXX XXXX {$10000.00} charge off account XXXX XXXX XXXX XXXX {$3700.00} loan account XXXX {$0.00} charge off the account and sold to another XXXX XXXX {$0.00} charge off and transferred
Consumer complaint received 2022-03-18
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, XXXX XXXX XXXX, consumer, original creditor, in fact did not consent to, authorize nor benefit from any of the following inquiries, accounts, and late payment. There was no consent nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to 15 USC 1681b ( a ) ( 2 ). I have been injured from identity theft from this fraudulent activity. Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2017-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MD)

I 've been a WF Mortgage client for over 20 years. My home, under contract, is scheduled to close on XX/XX/XXXX. In spite of being notified of the above Wells Fargo Mortgage made several harassing phone calls to me, at work, when the payments were not ( or ever in the loan 's history ) 30 days past due. They admitted that they had been notified on the closing of the loan but defended their actions. They refused to provide me with the contact information of any government agency that provides oversight of the mortgage company. My last point of contact was XXXX at XXXX who id 's herself as a supervisor.
Consumer complaint received 2024-06-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Admin Recovery, LLC (WA)

The collection agency has called me numerous times seeking information about someone I dont know. It seems that person owes money, and since they couldn't reach him, they have my number listed as a secondary contact somehow. Despite repeatedly informing them that they have the wrong number and I dont know the person theyre looking for, they continue to call and ask me to transfer the call to him.
Consumer complaint received 2023-05-23
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 XXXX XXXX XXXX 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 an account without my written instructions.