davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
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. (CA)

Hi, Cfpb My name is XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX Recently, I submitted issue my credit reports. 
Thank you for that there is more error on my reports. 
Still show Experian credit reports. 
Here is listed attached files. 


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. 
XXXX Account Experian Accounts # XXXX # 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 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 2023-01-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A.State 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 report an agency may meet any consumer reports they need any of the following items of Information other than records of conversation of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnished any information related 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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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 XXXX 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 2023-06-05
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. (CA)

I am formally seeking proper guidance and assistance to secure that the information reported on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. 

Bankruptcy XXXX XXXXdismissed XXXX  I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you.
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (CA)

I called the company today as I never received a call nor a letter to allow me to dispute this. Was told by the lady that answered the phone that they do not have to send a notice and can just place this on my record. Sent this to an address that I no longer reside at. I have no proof that this is my debt from 2017 and they are now trying to collect on.
Consumer complaint received 2020-03-11
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. (AZ)

I have sent several request to have Equifax remove an account off my credit report that is identity theft. I have sent letters as well as my identity theft report and Equifax will not remove account. I would like this to be resolved immediately.
Consumer complaint received 2020-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (TX)

My credit reports shows I owe a debt of {$5000.00} and XXXX ( Account Number # XXXX and XXXX ) I repeatedly disputed this claim with Navy FCU several times via mail over the past 5 years, this is not my debt and someone opened a fraud account in my name. I have never signed a contract. Never received any paperwork from Navy FCU debt is belong to me.
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

According to the FCRA 15 USC 1681 section 604 A section 2 : prohibits the reporting of any experiences and or transactions between Capital one and XXXX XXXX the law states that this type of information is excluded from my consumer report and can not be reported to any Consumer Reporting Agency. I would like the aforementioned information to be deleted pursuant to the law mentioned in the above sentence all late payments, and or the account, the Item that is being marked as late and being furnished to a consumer reporting agency. The law is clearly to come into compliance regarding this Account information.
Consumer complaint received 2020-03-11
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: Experian Information Solutions Inc. (CO)

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off on the - XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sold to XXXX XXXX XXXX XXXX ( please see attached letter dated XXXX. ) This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to report this item with a balance when it has been sold. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (IN)

In XX/XX/XXXX, as a good debtor, I made arrangements with Chase Card Services to make a split payment in XXXX on the XXXX and XXXX, an auto debit {$99.00}. On XX/XX/XXXX, paid manually {$190.00}. They auto deducted on XXXX, but something got messed up on their end because it said it went through find on my bank account but they claim my bank sent it back. On XX/XX/XXXX, they did the auto deduct of {$99.00} and say the bank sent it back on XX/XX/XXXX. My branch manager says they never actually tried to pull the money. It showed after XXXX where the {$99.00} had been taken from my account and was clear. Rather than them admit something got messed up on their end, they suspended me from using my ONLY checking account to pay them. They DO NOT give any other payment options, nothing. Their phone people WILL NOT accept anything less than the total payment amount due. Even though every month before XX/XX/XXXX, I had paid them on time no issue. They won't take any amount. They are making it impossible to pay them. They want me to go to the bank to pay them, but my work hours are not conducive with getting to the bank. So, they are making it IMPOSSIBLE TO PAY THEM, giving me the run around. This looks like Predatory Lending at its finest. They have BLOCKED my checking account but then want to keep calling me demanding a payment, when I have no way to send them money. 

My credit union SENT the fax that they asked for on XX/XX/XXXX, I responded to their paperwork and sent it out ASAP as they asked me for. They STILL have not fixed it and are threatening to permenantly block me from paying them from that account. I pay EVERY other lender out of that account problem free. My check goes STILL to that account. So, if it is closed, why am I able to pay everyone else?
Consumer complaint received 2020-03-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (AZ)

I am registering a complaint against Loan Depot for using a bait and switch tactic. I started my process with Loan Depot in late XXXX and submitted an application in early XXXX. I negotiated a lender concession with XXXX XXXX in the amount of {$1300.00}. I started submitting information to the lender as requested. In late XXXX, I tried to make contact with XXXX for over a week with no response. Then in early XXXX, I receive a loan decline for lack of information. I finally was able to speak with XXXX who indicated that they had to send the decline because the underwriter wanted more information. He told me the rate fees are still good. I supplied XXXX with information requested, however they kept asking for more documents every week. Finally, in early XXXX they said we have an approval if I take the property out of my XXXX. I indicated that was fine. Several weeks go by and every few days I call to see when they will get documents to the title company. Finally they send the docs out for signing. When I review settlement statement I notice the lender credit of {$1300.00} is not on the sheet. I speak with XXXX and says the loan took to long and your lock expired. They dragged their feet in hoping I would overlook the higher charges. I notice on XXXX  reviews this is a common practice.
Consumer complaint received 2023-12-07
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: Experian Information Solutions Inc. (VA)

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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2020-03-11
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: WELLS FARGO & COMPANY (FL)

I got a temporary card from Wells Fargo and whitin a week someone made fraudulent charges for the amount of XXXX XXXX.Wells Fargo called me suspecting a fraud and I did not recognize the charges so they gave me a temporary refund.After 10 days they decided the charges were legitimate because I did not have a story with the card, it was new I never used an it was in my wallet.The only charges were the fraudulent ones I presume the card was compromised in the Bank before they gave it to me as they were able to access my account.change the PIN and the daily amount to withdraw. 
The Bank did not observe any of the measures of the security protocol before allowing the changes and the fraudulent charges. 
The Bank has not offered more information and the case manager is not answering my calls, nevertheless they escalated the case and I am still pending to get my money back.I am a senior citizen and want to be treated fairly. 
I am in panic that they will do it again and I have lost confidence in the Bank and its systems. 
Thanks for your guidance.My case # XXXX
Consumer complaint received 2024-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, XXXX, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a XXXX il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).
Consumer complaint received 2020-03-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

prior complaint XXXX ( see reply ) trying to get modification from bank of America, as discussed MANY times before i pay my own taxes and insurance and do not need or want bank of America to collect this for me. ( they have shown to be neglient in the past ) ( see complaint XXXX XXXXBank of  America ) Will pay ONLY principal and interest for this home equity loan. XXXX XXXX agreed with me that after all i have been through if i re applied for the home modification they would not attached escrow payments.This is the same problem that occured during the prior 2 years. I need this modification to go through with just interest and principal in order to be able to afford this. I have placed 3 calls to bank of America and left messages and have no reply. I need this fixed immediatley. this bank has been jerking me around for over 2 years in which time i have accured over {$9500.00} in interest on this loan. This should not be. I made it a point to all concerned that i will not accept any modification with attached escrow payments. Bank of America and XXXX XXXX have been dishonest by saying one owned it and the other one serviced it, yet blamed each other when they failed to pay my taxes, or when the paid my flood insurance twice ( 1st mortgage ) and drained my escrow account and when the took out a " trial payment '' 7 times out of my account. ( modification ) Enough is enough! mortgage number is on prior complaint i do not have it at this time ( at work )
Consumer complaint received 2022-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Please look into my credit report because there are accounts that i have informed the bureaus that are tagged wrongly or are not updated even if i have informed them about this but they took no action so I am making this complaint.
Consumer complaint received 2023-12-07
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: Experian Information Solutions Inc. (VA)

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 2023-05-17
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: AMERICAN EXPRESS COMPANY (OH)

I HAVE AN FRAUDULENT CREDIT ENQUIRY ON MY CREDIT REPORT WHICH WAS NOT AUTHORIZED BY ME OR WITH MY KNOWLEDGE 1. XXXX XXXX SERVICES on XXXX XXXX 2. AMERICAN EXPRESS on XXXX XXXX THESE HAVE A HARD ENQUIRY ON MY CREDIT REPORT BUT I HAVE NOT INITIATED OR AUTHORIZED IT TO MY KNOWLEDGE, SO IT IDENTITY THEFT AND I WANT THIS ENQUIRY TO BE REMOVED FROM MY CREDIT REPORT, SO AFTER KNOWING THIS I CONTACTED XXXX XXXX AND THEY ASKED A DOCUMENT FROM CFPB FOR THEM TO REMOVE THE CREDIT ENQUIRY FROM MY REPORT
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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.