davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Last Wednesday, XX/XX/XXXX, I was looking to purchase 2 tickets to a XXXX XXXX basketball game. I found a listing that had great seats for {$100.00} a ticket, and went ahead and messaged the person. I had a good conversation with them, they sent me proof that they had the tickets, and everything seemed fine. 

I asked what they wanted to do for payment, and they said they didn't wan na do XXXX because it caused a huge headache for them last year with a hack. They'd prefer to do XXXX. I was hesitant here because I know that XXXX has the best protection and I messaged my concern to the seller. I also asked if I could send {$100.00} for the first ticket, then he sends the first ticket, then I send the rest of the money, and he sends the second ticket. This way I could have a little bit of security. He didn't reply for a couple hours, so I messaged him for an update. He told me he didn't feel comfortable doing that and gave me best of luck finding seats. 

I figured that he had to be legit at this point. If he was scamming me, wouldn't he have just taken the {$100.00} and left? So I messaged him again and agreed to do it all at once over XXXX. Now since XXXX is through the banks, and is linked to social security numbers and identities, I figured that if I was being scammed it would be easy to reverse the payment and find the person. He told me he was already lining up something with someone else. I offered {$120.00} a ticket and begged him a little to sell to me. He agreed. 

I sent the payment through Wells Fargo XXXX, ended up sending {$250.00} total, he messaged me that we was transferring the tickets, and they never came. Tried calling/texting him but no answer. 

The phone number he used to text me was XXXX The XXXX name was XXXX XXXX and Phone number was XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting 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. (KS)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-14
Product: Credit reporting 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. (FL)

credit inquiries on my credit report that i don't recognize, it wasn't authorized by me. 

XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2019-12-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I XXXX XXXX is using the Consumer Financial Protection Bureau to file a notice with my mortgage servicing agent that I have a plan to pay off my mortgage in full by XX/XX/2020. I personally have experienced several financial set backs over the past year due to my employment issues. Even though those issues are now resolved, I have decided to sell my home and move out of the state of California altogether. Therefore, even though I am a few months behind in my mortgage, I request an additional six-months forbearance on mortgage payments, so that I can list my home for sale, make cosmetic improvements, and sell my home. Since my home has over {$200000.00} in equity, I do not see any problem getting it sold. Accordingly, I respectfully request the necessary documents to be emailed to me by Shellpoint Mortgage Servicing to complete the forbearance request as quickly as possible. I will list my property with a local realtor by the end of XX/XX/2020 to start fulfilling my obligation to close out my mortgage.
Consumer complaint received 2019-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2019 I was charged a NSF fee of {$35.00} for a transaction of {$200.00} made on XX/XX/2019. When that transaction posted along with other transactions from that date the daily ending balance for XX/XX/2019 was {$86.00} XXXX positive balance ). I called Wells Fargo and was advised that when the XXXX transaction for {$200.00} was conducted my account was negative. XXXX transaction are not able to be completed if there is not enough funds in the account. 

In the past I was contacted Wells Fargo that they are not posting the transactions per their own Account Agreement, which states that transactions are posted in the order that their are conducted.
Consumer complaint received 2021-11-25
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. (MD)

This isXXXX  XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. The negative accounts are constantly reporting on my credit report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$240.00}
Consumer complaint received 2019-12-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Recovery Services, LLC (MS)

I recieved a phone call from Recievable Recovery Services LLC on the XXXX of XXXX. They told me they were collecting debt in the amount of XXXX cents from XXXX XXXX Hospital services. I informed them if the debt was indeed real it was XXXX debt and I would make an effort to pay. I asked for an itemized bill to prove the debt was real. They tried to settle and I demanded a paper bill. They called me again today, on XX/XX/XXXX and again attempted to collect the debt. They said they had sent an itemized bill. I told them I didnt have that money and had not seen the bill yet. They offered again to settle for around 1400 dollars. The worker asked me to put it on a credit card, to cash put my 401k, and to borrow the money from a family member. I explained to her she was not my only creditor and was trying to collect the same debt another creditor had called about and that I could give her XXXX dollars a month until I was in a better position. She told me that was unacceptable. She informed me they would credit report no matter what I paid and when I asked what would happen other than that she refused to tell me. She also refused to allow me to speak to a manager. Different phone numbers were used for the phone calls and niether number works when dialed back. I never recieved a notice to dispute the debt and when I looked at her itemized bill it only shows the hospital name and the amount they say I owe with dates. There is no phone number on the bill or an account number specific to the company that I can tell and no information on how I can make a payment, just a stamp with their address and company name on it. She was abusive and inappropriate in her attempts to collect debt on XXXX  XXXX   without ever proving to me there was a real debt.
Consumer complaint received 2019-12-24
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)

i am filing this complaint because XXXX, XXXX and equifax has ignored my requests to provide me with the documents that their company has on file that was used to verify the accounts, i disputed. being that they have gone the 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra- they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.
Consumer complaint received 2019-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i am filing this complaint because XXXX, transunion and XXXX   has ignored my requests to provide me with the documents that their company has on file that was used to verify the accounts, i disputed. being that they have gone the 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra- they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.
Consumer complaint received 2023-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 2023-03-08
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: CarMax, Inc. (NC)

On XX/XX/2023, I did a pre-qualification on the CarMax website, and, after getting my pre-approval terms, I opted out and took no further action. I then received a separate text message from CarMax ( that I first ignored ), then it was sent again, and I said " Yes '' ( just so I can speak to a live representative about the hard inquiry I had just received on my credit file ), and I started to receive even more alerts about a hard inquiry on my credit. When I responded to the same message and asked if a hard inquiry was run on my report, the agent who responded ( who I was later told is not a live person, but a computer-generated response ), the " agent '' never responded and I was never contacted by anyone to discuss the issue or even " the financing options '' that ( I never asked for or went through or agreed to ). What CarMax did was took my pre-qualification and ran a hard inquiry with a lender ( XXXX XXXX ; whom I also contacted ) and took my " Yes '' in the text message as some sort of agreement or permission from me that I never gave or even had the chance to discuss with anyone. I've called CarMax numerous times and left my complaint on their survey, chat, and with more than XXXX CarMax Representative for a Manager to call me back. I'm still waiting on that. Again, I reached out to the lender directly ( XXXX XXXX ) and still waiting on a response. I'm finding out that this is a common practice they do on new customers and finding out, even more, that no one wants to take responsibility for it.
Consumer complaint received 2022-09-02
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: EQUIFAX, INC. (IN)

In according with the Fair Credit Report Act XXXX XXXX XXXX account number XXXX, has violated my rights. 

15 .U.S.C 1681 section 206 A. States I have the right to privacy.

15 U.S.C 1681 section 604. A section 2 : It States a consumer Reporting can not Furnish an account without a written description.
Consumer complaint received 2019-12-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Manley Deas & Kochalski LLC (IL)

Was wouking with XXXX XXXX and they decided to get attorneys involved. I received a letter from them on XX/XX/2019 and responded the vary same day with a Certified Letter. I never heard back from the company until last week when I called and spoke with an attorney named XXXX. XXXX claimed that they did receive my letter and replied on XX/XX/2019. I have never received any such communication from the company. I asked for a copy of your letter.
Consumer complaint received 2019-12-24
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

I setup auto payments for my honda auto lease and paid every month the way i should. 

After my account was closed and FULLY paid off honda assessed additional fees but failed to notify me. Even those fees were later negotiated and then i made another payment for new fees assessed. these fees were never late as i paid my full lease agreement every month. 


Honda reported a 30 day late to all 3 credit bureaus without notification and while they were still negotiating the lease end fees
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-01-12
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. (SC)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See documents attached.
Consumer complaint received 2019-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have requested several times to have this account removed from my credit report. The account is paid and should have never been reported. The confirmation number is XXXX for XXXX XXXX XXXX for account ending in XXXX. The account should be removed.
Consumer complaint received 2023-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2023-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (PA)

Account numberXXXX his is for banana republic Barclays credit department In accordance with the fair credit reporting act XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to Privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose. Please fix to show no late payments since this was your fault for understaff during covid 19 and could not accommodate pay by phone within 24 hours.
Consumer complaint received 2019-09-12
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. (MT)

I have notified EQUIFAX regarding the hard hit inquiries listed below that I don't recall authorizing. It's been more than 30 days and EQUIFAX has failed to take any action or even give me a response. This is very concerning to me because I am a victim of Identity Theft. 

XXXX XX/XX/2019 XXXX   XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 & XX/XX/2019 XXXX XX/XX/2019 & XX/XX/2019 XXXX XX/XX/2019 I am requesting that EQUIFAX conduct an investigation and provide me a copy of the original credit application with my signature & date. Furthermore, I will like to be provided with the name they spoke to during their investigation if the inquiries was authorized by me.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called in to make a payment because I always set my payments up to come out automatically but this one did not do it so four days later I noticed and called on XX/XX/XXXX. It was due on XX/XX/XXXX. I was asking is there a way to make my payments lower being I am a student. The monthly payment was {$72.00}. They talked me through setting up a payment plan and said because I was approved for this plan my first payment would have to be on XXXX for {$98.00} which I did. It was set up for {$31.00} to come out automatically every month which it has. I was told the account would not accumulate interest while I was on the plan. Not only was that a lie, they reported my account past due to the credit bureau. After calling 10 times to try and fix it they are saying that the account was reported in error and that they fixed it. However what they actually did was remove the past due from XXXX and put it on XXXX. A supervisor called me said they never reported it and I should dispute that with the credit bureau. The credit bureau said I should dispute it with XXXX. The 4 representatives from XXXX would not transfer me to a supervisor and three of them just told me to hold on and hung up on me. Now my credit score is even lower. I am always on time with all my payments.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (MD)

I have not received a statement since XXXX of last year. Called the company using the number provided on the card. Voicemail referred me to another number. Called that number and could not find a human being. Shortly thereafter I received a statement from the collection agency. I have no idea whether this statement is correct. Until I see statements for period in question, I have no way to verify the debt. Debt is not large because I have been ill and have not used the card, but I am reluctant to pay blindly. I am also concerned my credit has been adversely affected by this process.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX