davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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. (TX)

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 # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 to believe that the information is inaccurate.
Consumer complaint received 2021-11-18
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: EQUIFAX, INC. (AL)

In XXXX and XX/XX/XXXX I filed a dispute with this bureau about the unverified account : XXXX XXXX XXXX account # XXXX -- XXXX -- XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

Tenant filings appear on my credit report. These filings are not my fault, as court papers were wrongfully filed during my time in low-income housing. At that point, I had no income, which meant I had no rent to pay. Somehow, apartment numbers got mixed up, and I received court papers that were not intended for my apartment. This situation persisted for months until management resolved the issue. I never owed any money, and I was never evicted from the property. Despite this, these filings are hindering my progress and preventing me from advancing in life.
Consumer complaint received 2021-11-19
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)

Dear XXXX finance, I have been a loyal XXXX client for more many years and never missed a payment. I recently took a new leas for a company to which my name was used as the guarantor. Recently, I was informed that you reported my name as being 30 days on the payment that was due within XXXX, meaning you did not record a payment until after XXXX. I reviewed my records and this information is incorrect as I have a copy of the payment that was mailed to you on Wednesday XX/XX/2021. It is not my fault that XXXX failed to process this payment timely, and this reporting is an error on your end. Please correct this issue as soon as possible. 

At the same time, I wish to inform you that for many years I have had my account on auto pay and never ever missed any payment. When this new vehicle was leased, there was some issue with setting up auto pay in the beginning, this is why we used a physical check sent by mail. The auto pay setting has since been resolved. 
-- -- - Finally, please be advised that to the best of my recollection, I never ever authorized you to report to any credit agency this company account, neither verbally, nor in writing. I wonder how and why XXXX has been reporting this account without my consent. If you have a copy of any document that I consented to the reporting of this company car to my the credit reports, I request that you furnish me with a copy of such a document. 
-- -- In any event, as stated above, the 30 day late reporting is an error on your end, and I respectfully request that you please correct this incorrect record and remove this incorrect listing immediately. 
-- -- Thank you for your assistance.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (OH)

Last Thursday the morning my dad passed the bank froze my accounts one day after refunding fraud charges that were done on my account they have call my. Money held as nd accepted my XXXX check after the freeze and arent allowing me access to any of the funds I cant get home to my family feed myself or my kids or pay my house payment or utilities and I dont owe the bank money theres over XXXX dollars frozen
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (FL)

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX, XXXX and XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00}XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00},
Consumer complaint received 2021-11-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (CA)

I natural persons XXXX XXXX XXXX federally protected consumer pursuant to  FDCPA is the only authorized agent representative for XXXX XXXX, ( there are no third parties involved ) hereby state that Wells Fargo has been in default XX/XX/2021, after failing to  rebut line for line, point for point, question for question to  my affidavit sent I entered a consumer credit transaction with Wells Fargo XX/XX/2021 by use of USc 1602 ( j ). According to  28 USc 3002. Also pursuant to Title 18 USc 8 Debt is the obligation of the United States. A finance charge took place and according to  12 CFR 226.4 the company Wells Fargo isn't allowed to  take comparable cash transactions. Also according to 15 USc 1605 ( a ) the finance charge everything was supposed to  be included in the sum of all charges but was not, pursuant to 15 USc 1605 ( j ). Wells Fargo denies that pursuant to  USc 1602 ( g ) XXXX XXXX is the original creditor of account XXXX, which is a violation pursuant to title 15 USc 1692 e ( 2 ) a. The term " creditor '' refers only to a PERSON who both regularly extends consumer credit. Wells Fargo committed fraud pursuant ( 29 CFR 2850.412-9 ) stating they gave me a loan, but pursuant to 12 USc 1431 , the role of a bank is to  not extend credit, nor loans. Pursuant to 12 u.s code 83. I have put Wells Fargo on notice with a written cease and desist affidavit, But Wells Fargo continues to disregard and not comply with the received cease and  desist affidavit sent on XX/XX/2021. They called me on XX/XX/2021 at XXXX. XXXX, and  XXXX which is a violation under title 15 usc 1692c ( c ) and that is a form of harassment under title 15 usc 16929 ( d ) 5. Wells Fargo also has been pulling my private information from the consumer credit reporting agencies of old addresses, phone numbers, and  emails attaching this information to my profile in their system. That is a violation under 15 USc 1692b. I have been going through mental anguish, having XXXX XXXX XXXX, getting XXXX XXXX, caused by the harassment of Wells Fargo. It has raised XXXX XXXX XXXX XXXX and  XXXX to the point of me not being able to do my everyday task. This has all been placed under my XXXX filing Lien with the state of California on XX/XX/2021. ( see attachments ) Documentary evidence that supports each claim. If you fail to uphold the law i will be filing suit in federal court, DEFINITIONS : If you are oblivious to the terms used here are the definitions by Law pursuant to 15 USC 1602 : ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.

( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required
Consumer complaint received 2021-11-19
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Franklin Collection Service, Inc. (TX)

XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX never notified me of attempt to collect a debt. This company is saying I owe {$XXXX} and the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2018-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (FL)

Hello, I bank with TD Bank. 
I made a mobile deposit on the amount of, {$1100.00}, the check deposited It was from XXXX XXXX, back in XXXX last year, The check cleared on my account but after six months td bank took the funds out of my account and told me that the reason why is because the check was deposit twice, When in reality I only deposit one time through the app. I try to fix this issue with TD bank, But unfortunately it was unsuccessful so without no options I decided to do a police report which I have attach here, td Bank did absolutely nothing to resolve the issue, they closed my account and report me for the Credit bureau. It is affecting me tremendously, Im trying to follow up with a detective but shes also not communicating with me, Im really frustrated, and I need help as soon as possible. 

Thank you!!!
Consumer complaint received 2022-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

I refinanced my the same company in XX/XX/2021 for a lower rate. Then about a month ago Rocket Mortgage cold called me and said they had made an error in closing out my previous escrow account and I owe them {$3600.00}. I was shocked and asked for documentation to analyze. The sent confusing document same day and called me every day after until I told them to back off as I have a full time job, family and other complications in my life. They took 8 months to find their error and expect me to pay up in 24 hours! I will not be bullied. I've kept in contact with them and I've done my due diligence. I've since uncovered that they have made some serious accounting errors and they likely owe me more money. I'm sending them my spreadsheet analysis and am happy to share all the details as well as the lengthy email thread I've had with their 'Servicing Escalation Specialist '. I'll note that they've admitted the error was theirs and that I warned them back in XXXX that I thought there was an error. I proof of all this. 
What rights do I have against a company asking me to refund escrow money without sufficient proof? Should someone be asking how they were able to XXXX up my escrow so badly? They said that they sent my Earthquake insurance payment with those of other customers and resulted in an overpayment. That was returned to me from the insurance company and could only go to me as the policy holder. Now they want that back but I have evidence they've already taken it. Please help me force them to prove their claim pay me mine.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXXXXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : 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
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I recently looked at my credit reports and I noticed a few companies are reporting some late payments that are not accurate. I am requesting that the creditors remove or update any and all inaccuracies. 

Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2021-11-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (IN)

The first call from a company by the name of GLA Collection Agency ( XXXX ) was at XXXX on XX/XX/XXXX. There have been XXXX calls thereafter. The most recent being today ( XX/XX/XXXX ) at XXXX. They claim that I owe a debt ( which I believe was roughly {$600.00} ) to XXXX XXXX, to whom I did owe a small debt to but was paid several months prior to the calls. Based on the fact that they used a legitimate medical facility in reference to this alleged debt that I owe, it leads me to believe that they are hackers.

They never disclose who they are in the calls and it is always an automated system. I only know the business name that they go by because of a phone number search on XXXX. I have never answered in person because I do not want them to think that they have me hooked. The calls are a major nuisance and cause unnecessary worry that personal information has been illegally retrieved. I've seen on the website https : XXXX that they have been attempting to scam individuals since XXXX. Nothing has been done to shut them down though. I sincerely hope that this complaint will prompt an investigation. Perhaps they are legitimate, but if they are, they are not following legal protocol. Several people have asked them to stop calling them and have asked for paper evidence, which they are never supplied. They continue calling despite a request to stop even after proof that they do not owe any debts.

Please investigate this agency. I strongly believe them to be predators claiming to represent a collection agency that is fraudulent.
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

Hi CFB, I recently initiated a dispute with XXXX and the reason was a hotel deposit thats charged on my card. I left the hotel after a short stay because of bed bug problem and the services were not provided to me as promised. The hotel took {$1100.00} as hotel deposit and wont return so I initiated a dispute with a bank HSBC and they denied me upfront saying they wont do anything about it because of the hotels refund policy! This is totally unjustified to keep my {$1100.00} and not do anything about it. 

I tried calling the bank and they upfront said that they wont help me at all and can not do anything about it. 

I would request you to please look into and appreciate your help on this matter as soon as possible. 

Thanks, XXXX
Consumer complaint received 2018-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FULTON FINANCIAL CORPORATION (MD)

I contacted the branch that I opened an account with I supplied all pertinent information even the corrections. I indicated to them that I wrote a check and if that check did not clear I could be held liable for fraud or writing a bad check. 

the branch XXXX said so and she did not care and she froze my account and funds. I told her this is illegal and I will be pursing a complaint against her and the agency. She is very unprofessional. 

The XXXX XXXX received those funds and the state cleared them and they stated to where I wrote the check that it did not clear and the funds was insufficient which was a major lie.
Consumer complaint received 2022-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business ( I am a XXXX Patient. I XXXX XXXX as part of my online job and XXXX XXXX I also have traditional business in my town for XXXX XXXX XXXX XXXX XXXX XXXX. ) since 2017. 

Recently, last XX/XX/XXXX, I bought XXXX to grow my money and I had received the amount due to me and was sent to me from different person internationally who offered the XXXX exchange. The reason I had my transactions to received several from different person because of the capital and interest on XXXX purchase. 

My paypal account : XXXX has stucked funds in it that I have to withdraw it asap for my medicine purchases. 

And I am hoping that I will get back my account, buy my meds in XXXX, and able to withdraw my funds. 

Thank you and God bless.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (NJ)

My car insurance company informed me that it will add an additional driver to my car insurance. They insist that LexisNexis reported to them that there is a new member of our household. There is none and there never was such a person. It is just myself and my wife ( both retired ) sharing XXXX car and residing alone at this address for XXXX years. After several days of back and forth with my insurance agent I was advised to deal with LexisNexis directly. How do I prove a non-existence of someone, he did not know. 
I can send you all the supporting information in the PDF form if you provide e-mail address to send it to.
Consumer complaint received 2019-07-30
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

U.S. DEPT OF ED - DIRECT and Chapter XXXX Bankruptcy : Bankruptcy
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background (KY)

I applied for a XXXX XXXX position with XXXX XXXX back in XXXX. In the onboarding process, I submitted a background check to Accurate at that time. I did not realize until Friday, XXXX when I received a call from Virginia with XXXX XXXX that I had something appearing on my background check and that I should check my email to see what the report provided from Accurate. I checked my email and there was another woman 's criminal information showing on my background who lived in XXXX, VA. In the remarks on the report it stated " verified by close name and close date of birth match. '' I have never lived in XXXX, VA ; nor done these crimes. My middle initial has never been M. I am not this person and she is not me.I reached back out to Accurate and filed a dispute on Monday, XXXX XXXX. I received a denial letter of employment because of this from Accurate on behalf of XXXX XXXX. I filed another dispute today, XXXX XXXX. I need to get this corrected and have this person 's information removed as soon as possible. Please let me know what I can provide or do to have this wrong and inaccurate information removed from my background check. This is not only affecting my employment with XXXX XXXX, but also XXXX where the background check with Accurate is currently pending.