davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Pursuant to 12 CFR 1016.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies
and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure. 
Ive never received an opt out notice from you. Due to this error on your behalf, I am now exercising my right to opt out from all reporting of my information to non-affiliated third parties including but not limited to XXXX, Equifax, XXXX, XXXX as well as any other agencies of the like. 
Pursuant to 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.

( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

Pursuant to 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection,
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

This is a unique situation concerning the illegal release of my bank records/statements to a third party. 
On XX/XX/XXXX, I received three XXXX XXXXXXXX envelopes from my bank, Wells Fargo. 
The contents of each envelope had a subpoena in them issued from XXXX XXXX, Illinois. The subpoenas named a plaintiff : XXXX XXXX, Defendant : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX. The subpoenas were sent to Wells Fargo from XXXX. XXXX XXXX. 
MY NAME WAS NOWHERE ON THE SUBPOENAS. 
I do not have any affiliation with the named defendant : XXXX XXXXXXXX XXXX XXXX, XXXX and was informed by a Detective that I made a complaint with that it is an address for a parking garage in Florida. I am a homeowner in Florida and the Plaintiff : XXXX XXXX lives in XXXX XXXX, Illinois. as does his corrupt Atty., XXXX XXXX. 
The third page that was with the subpoena did not have an official seal, court signature ; however, it was a typed request for three years of my banking statements from each account : 2 Business, LLC checking accounts, 1 personal checking account. 
This information was requested from my bank in XXXX and my banking records were sent to XXXX XXXXXXXX XXXX in XXXX. 
Again, I was not notified until XXXX by Wells Fargo that they sent out my banking statements. 
I have a restraining order against Plaintiff : XXXX XXXX who now has all my information. 
I have called Wells Fargo many times, went into the bank to speak with a manager. At no time are they cooperating with me regrading my complaint. 
Wells Fargo did not contact me regarding this fraudulent subpoena. I have called a dozen of times to speak with XXXX XXXX of the Summons and Subpoena Dept in Wells Fargo and, I am unable to contact her or get a return call within 48 hrs. of my complaint. 
XXXX XXXX is repetitive felon, his XXXX XXXXXXXX XXXX lost his license to practice law for two years in XXXX for corruption in XXXX XXXX, Illinois court system. 
These are the two Criminals that Wells Fargo release my banking information to. 
Wells Fargo did not protect the Privacy, Security, Integrity of my bank accounts and need to be held liable. 

* The envelope with the subpoenas came from Wells Fargo Summons and Subpoena Dept. XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Operations Manager I was informed by Wells Fargo XXXX XXXX from this department handled my case. 
Bank Reference # XXXX XXXX XXXX, Illinois XXXX XXXXXXXX XXXX XXXX Case No. XXXX XXXX ( see subpoenas attached )
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I, XXXX, XXXX XXXX, federally protected consumer, has placed numerous complaints with Equifax , Inc throughout the year via CFPB about the inaccurate reporting of non-public information..The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft. As a federally protected consumer, I have a right to privacy.

According to 15 U.S.Code 1681c-2, this is my official statement that all the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transaction made by me, the consumer.

Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist Opt Out Confirmation ( s ) Identity theft report Passport Card ( Identification ) CAF Notice, Power Of Attorney, Fee Schedule Name Copyright
Consumer complaint received 2017-05-16
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital  one  inquiry dates that I didnt authorize.      XXXX   XXXX   2016   XXXX   XXXX   2016   XXXX   XXXX   2016   XXXX   XXXX   2016   XXXX   XXXX   2016   XXXX     XXXX    2016     XXXX   XXXX   2016   XXXX   XXXX   2016   XXXX   XXXX   2016   XXXX   XXXX   2016
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Unauthorized credit inquiries, made by specific companies, were detected on my recent credit report, a clear violation of the Fair Credit Reporting Act Section 1681b ( c ). I demand validation from these companies, requesting copies of any documentation with my signature authorizing such inquiries, and in the absence of such evidence, prompt removal of these fraudulent inquiries within 30 days, as stipulated by the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-10-14
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. (MS)

I have fraudulent accounts and inquiries or my credit report. I have rights under the fair credit reporting act that says inaccurate information shouldn't be on my credit report. Please verify each of these items and send me any written signature or agreement relating to these acounts and inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  Paramount Recovery  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This my third ( 3rd ) time telling you that report is false, there are invalidated, inaccurate, and misleading items thats stressing me out. There are two laws which you are breaking 15 US Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 US Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. Trying to collected on false/alleged collections accounts Is a violation of my rights per 15 US Code 1692f ( 1 ). Please permanently delete : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appears to have reported an late payment on my account which Is both an billing error violation and reporting error violation. Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended. Such reporting has not been validated which Is my right per 15 US Code 1692g ( a ) ( 4 ) and 1692g ( a ) ( 5 ). I asked that you please permanently delete this Inaccurate reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This type of reporting is false and misleading, as these alleged soft inquiries, hard inquiries, and promotional offers were not authorized so 15 US Code 1681b ( c ) ( 1 ) ( a ) ( b ) ( i ) ( 3 ) stated they be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I applied for a mortgage loan with  HSBC  and also I am approved for grant money form  XXXX   XXXX   County.   My closing date was  XXXX / XXXX /  XXXX  , and We did n't close because HSBC Bank could n't finish and send the correct information to  XXXX   XXXX  County. My realtor negotiated and extension, so the new closing date is  XXXX / XXXX /  XXXX  . For that to happened  XXXX   XXXX  County had to receive the documents last Friday  XXXX  they did n't receive it. Today  XXXX   XXXX  County received the documents but they did n't have all the information required, and also HSBC Bank asked for documents that I already sent to them, but I resend them anyway and ask them to hurry up.  XXXX   XXXX   County  need from HSBC a receipt from the appraisal, a correct form  XXXX , a correct form  XXXX , the home insurance amount to be corrected. Also the seller needs a commitment letter form HSBC bank for a new extension for the closing to be file. Please help if I do n't close I will lose my grant money!!!
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Entries are unauthorized and reporting as past due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Violations of 15 USC 1602 ( p ), 15 USC 1666b ( a ), 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ), 15 USC 1602 ( k )
Consumer complaint received 2017-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XXXX , amount {$1100.00}.  Capital one to removed this account off my credit report because i t 's past  7 years old ( c lose in  XXXX   XXXX  ).  Capital One  said they will not removed this account of my credit report because they ( ca pital one ) c lose this account in  XXXX / XXXX / XXXX . This is NOT right I close this in  XXXX . PLEASE REMOVED THIS ACCOUNT OFF MY CREDIT RE PORT (   XXXX   and   XXXX   )  Thanks For your Help
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me a lot, and I feel unwell due to this situation.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account Number : XXXX has violated my rights. Or 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.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

My XXXX loan is paid in full and I have proof!! 
In accordance with the FcrA.the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 US C 1681. I told XXXX, Transunion and XXXX to reinvestigate these accounts. Child support account number ending in XXXX, child support account number ending in XXXX, and XXXX XXXX account number ending in XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to the 15 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. 15 USC 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 calls to believe that the information is incorrect.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted Transunion about a collection account from XXXX XXXX XXXX being placed on my report. I received nothing from XXXX and did not know why there was a collection account placed on my report. Since I did not have or receive any information from XXXX, Transunion provided me with a contact number. I called XXXX three times and left a message to have someone contact me due to not being able to speak to someone at the time. To this day I have not received any correspondence from XXXX or received a phone call. I called Transunion again and they informed me A dispute would be sent to XXXX and I would receive an update within 30 days. It is not over 60 days since the call to Transunion and the collection is still on my credit report. I have yet to receive any update from Transunion as well as from XXXX. I am asking CFPB to please assist in this matter. I was not provided a change to speak or view the document XXXX had before placing it on my credit report.
Consumer complaint received 2017-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

I told Wyndham Rewards and  XXXX   XXXX   ( Barclay 's cards ) to  closed my accounts in order for them to stop charging me {$400.00} in late fees and interest in both cards and they told me that they will continue doing so until I pay them off. I think that they are wrong because when an account is closed is not supposed to be added more late fees and interests.
Consumer complaint received 2023-02-27
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Balance : {$2.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2600.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (PA)

I was denied for a loan modification by SLS and was not provided a reason why I was not a candidate. On XX/XX/21, an authorized third party by the name of XXXX XXXX contacted SLS to find out why. SLS told her that they are not able to provide the denial reason as they are not the final decision makers. My mortgage statements come from SLS, when I was paying my mortgage, I paid SLS. When I applied for a loan modification, my communication was with SLS. We are in the middle of a pandemic and my own mortgage company will not communicate with me what I can do to keep my home. They are forcing me to short sale or liquidate. Where would my family go? The government needs to do more to make sure innocent every day tax payers don't fall victim to greedy banks.
Consumer complaint received 2023-07-27
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. (FL)

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-09-03
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. (MI)

I sent letters to Experian, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, and made phone calls ( and spoke to ) Experian customer service regarding XXXX XXXX Account XXXX reporting a XXXX delinquency in a month for which I was current 30 days prior ( according to Experian 's XXXX data on my credit report ). My letter, attached, states : XXXX. In XX/XX/XXXX, I was current ( as noted in XXXX version of my credit history ). 
XXXX. However, in XX/XX/XXXX, Experian is incorrectly reporting my XXXX account as 90 days past due ( impossible since I was CURRENT 30 days prior ). 
XXXX. In XX/XX/XXXX, Experian is incorrectly reporting my XXXX account as 90 days past due ( impossible since I was CURRENT 60 days prior ). 

I received a dispute resolution ( Experian ) Report Number XXXX Date Generated XX/XX/XXXX, and Experian refused to correct the obvious errors.
Consumer complaint received 2017-05-16
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. (NC)

XXXX XXXX XXXX XXXX are reporting a charge off account which they sold to another company but refuses to change the charge off to included in bankruptcy with XXXX balance, ihave talked to XXXX at XXXX at XXXX I have sent them several letters and faxes