davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

ow do I write a hard inquiry removal letter? 
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX XXXX  TransUnion credit report. My latest credit report shows 13 credit inquiry/inquiries that I did not authorize.
Consumer complaint received 2023-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (UT)

I have been with Wells Fargo Home Mortgage since XXXX and during that time from XXXX until today my escrow shortage has raised significantly making it harder to pay my mortgage, I have reached out several times to refinance or modify my terms and have I been repeatedly told that I don't qualify and have been charged high fees to even start the process even though I only owe XXXX on my loan my wife and I are on limited income with no recourse but to let our home get foreclosed on, my age is XXXX and my wife is XXXX.
Consumer complaint received 2023-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Branch Messenger, Inc. (IN)

XXXX XXXX XXXX XXXX is refusing to pay me in a paper check or direct deposit, instead they are attempting to force me to use a digital wallet called Branch. My request to have a paper check or direct deposit was met with " this is the only way we do it. ''
Consumer complaint received 2023-03-03
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. (CA)

Upon checking my credit report there had been an initiation of a credit card account that I did not process, recognize, or Authorize. 

XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2024-01-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NC)

Credence Resource Management is attempting to collect a debt from me for an account with XXXX that another debt collector owns and who are trying to collect on with the proper amount. They are using false collection dates ( refreshing the debt by saying that it was put into collections recently instead of years ago ) and the amount is double of what it is supposed to be.
Consumer complaint received 2023-01-13
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. (GA)

Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Creditor Classification Medical/Health Care Original amount owed {$300.00} Original creditor XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXX Agency XXXX XXXX XXXX XXXX Status date XX/XX/XXXX starting XXXX XXXX, XXXX, all medical debt less than {$500.00} will not appear on credit reports from the three major bureaus. The bureaus made these decisions after a review of medical debt revealed that, for most people, the debt was a result of a one-time or emergency event.XXXX XXXX XXXX I disputed this due to the fact that all three credit reporting agencies announced medical debt under XXXX beginning in XX/XX/XXXX will not be reported to the credit bureau and I was denied removal of the account from my Equifax credit report.
Consumer complaint received 2021-10-21
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: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

I always watch my account via on line to make sure I am not spending more than I have. Well I looked at my account one day and it told me I had XXXX AVAILABLE balance. So I went ahead and used the XXXX AVAILABLE balance. Turns out that was n't a TRUE available balance and little charges of a few dollars here and there caused US Bank to overdraft me and charge me XXXX in over draft fees. They then started to charge me XXXX every 7 days my account is over drawn. I feel like should not be allowed. This is absolutely absurd. This has been going on for about two weeks now and the bank wont reverse any fees
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2022-10-26
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-19
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: Lendbuzz Inc. (MA)

My name is XXXX XXXX XXXX XXXX, I am writing this complaint under the penalty of perjury. I have never had - previously or currently, any accounts or dealings with the financial institution LENDBUZZ FUNDING LLC., www.lendbuzz.com, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX, ( XXXX ) XXXX. During the process of purchasing a home I discovered through my credit report provided by XXXX that this financial institution reported on my credit an automobile purchased in XXXX of 2021 for the total amount of {$18000.00} with a current balance due of XXXX. 
Upon conversations with the financial institution and the auto sales shop it was discovered, clearly and conspicuously, that the purchase belongs to my older brother. We presented the contract number to LENDBUZZ ( which they confirmed they have it on file ) and they also confirmed that the purchase was made without an SSN or an ITIN number and that my non-public or public information was never a part of the process. 
I have no idea how they got a hold of my non-public information to add this debt to my credit report. 
We spoke to several people within their organization, including the supervisor XXXX and they refuse to remove it unless we file a complaint with all three credit bureaus. I consider unconscionable that they would make such an error and not fix the problem themselves giving that they have the sales contract in their files. They alleged the need to investigate, even though they have the contract as evidence that the vehicle does not belong to me and that they receive monthly automatic payments from an account that does not belong to me. How many others have they reported onto their credit reports without cause? 

I hope the CFPB can investigate how they get a hold of SSNs and report incorrect debts to the credit bureaus.
Consumer complaint received 2021-10-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Bureaus, Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Bureaus are reporting inaccurate information on THE BUREAUS INC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-03-12
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: Mortgage Research Center, LLC (CA)

Inquired to this organization about purchasing a house. They asked for my social security number to obtain a certificate of eligibility. But they pulled my credit report instead without my knowledge. I am extremely upset. This happened at XXXX PST. I spoke with the manager and explain to him what happened. He apologized. I no longer want to deal with this company.
Consumer complaint received 2024-01-09
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. (TX)

On XX/XX/ I FILED CFPB COMPLAINT AGAINST XXXX  ON XXXX XXXX AND XXXX XXXX XXXX AND CITED In XXXX XXXX  I called XXXX XXXX XXXX ( A collection company ) requesting validation of the alleged debt on my credit report by producing the original contract with a wet ink signature. Additionally I sent letters to Experian, XXXX, and XXXX requesting validation of the alleged debt. In response, XXXX XXXX XXXX sent a letter dated XX/XX/, wherein they confirmed an outstanding balance, however they have failed to validate the debt by producing proof of the original contract with wet ink signature. The credit reporting agencies mentioned notified me the debt was " verified '' but failed to outline investigation procedures as requested or produce proof of the original contract. XX/XX/ I mailed XXXX, Experian, and XXXX demanding the unverified items be removed from my credit report immediately. They have yet to do so and claim XXXX XXXX has continued to verify the debt. Additionally, I am still receiving mailed statements from XXXX XXXX services despite the fact that I have yet to be sent proof of the original contract for this alleged debt. This company is in direct violation of 15 U.S.C. 1692 ( c ), U.S.C 1692 f ( 1 ), AND U.S.C. 1692 ( g ).
Consumer complaint received 2024-01-09
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: Experian Information Solutions Inc. (OK)

Hello! it has came to my attention after viewing my recent credit report that some unauthorized inquiries was placed on my report due to an improper use of my credit report and this is a serious violation to my rights as a consumer. None of the listed inquires are attached to me nor do i have anything to do with them. please kindly investigate and remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-07
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. (GA)

I am writing to seek your assistance in resolving an issue I have encountered with Equifax regarding incorrect information on my credit report. Despite my initial contact with them on XX/XX/XXXX, I have not received a response to date. I kindly request your intervention in addressing this matter. 

Below, I have outlined the specific details of the inaccurate inquiries on my credit report, along with the required corrections : Unauthorized Inquiry Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report.
Consumer complaint received 2022-10-26
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. (TX)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX Inquiry : XXXX. XXXX, XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following item and the account was to be removed from my credit report by your bureau. It is showing inaccurate and still reporting negatively. According to the Fair Credit Reporting Act, legally the following incorrectly reporting items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Party Owed : XXXX XXXX Type of Business : Credit Card Account Number from Credit Report : XXXX I am disputing this claim due to having the aforementioned item deleted off my credit report by XXXX XXXX XXXX XXXX and Experian.
Consumer complaint received 2023-05-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: RAS LaVrar, LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ras LaVrar Law Offices LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2023 To whom it may concern : Please find the enclosed Social Security Income Documentation and Information for myself. 

My wife remains unemployed and is unable to work due to an apparent severe medical issue that has caused her to have a lack of sight in her eyes. 

Please find the enclosed copies of enclosures of CFPB complaint correspondence I received via email today, that note a lack of supporting documents that I have now provided in this letter. 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2023-03-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (NY)

I had purchased a car back in XXXX and the dealership added additional coverage service contracts to my loan without informing me. The next day I went back to them to have the lien revised but they refused and said they couldnt do this. They told me In order for me to cancel this I had to wait 3 month and then come to them to cancel the contracts. And promised me that I will get all my money back. When I went back to them they gave me the runaround and told me they will take care of it. After almost a month, they didnt and I called the service contract and cancelled the policy in XXXX. 
Now the service contract service deducted {$1000.00} from the contract and balance of the check was sent back to dealership. They still didnt send it over to lien holder. Why should I be charged XXXX for something that I did not purchase. I would like a full refund sent back to my lien holder. Its been 9 months and I going in circles. What is the next step I need to take Please advise and help Thank you
Consumer complaint received 2024-03-21
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. (WY)

In accordance with the FCRA, ( XXXX, TransUnion, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXXXXXX account # XXXX, XXXX account # XXXXXXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, ) I am Attaching identity and proof of address.
Consumer complaint received 2023-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (LA)

I received an email from Wells Fargo on XX/XX/2023 about a loan servicer transfer to a company called " XXXX XXXX '' occuring on XX/XX/2023 - this does not appear to comply with the notice requirements of XXXX which requires 15 day notice. The return email address was not wellsfargo.com. but instead XXXX. Upon independent verification by phone Wells Fargo at a known number they indicate the transfer of mortgage servicer is taking place on XX/XX/2023 and emailed me a pdf letter with the date of XX/XX/2023. I received no notice or alert about this letter being generated and have not received the letter by mail - I would there for have no reason to go looking for it. 

It is my opinion that this process is not in compliance with 12 CFR Part 1024 ( Regulation X ) Subpart A - General Provisions 1024.33 and should not be occurring on XX/XX/2023 because proper notice was not given. Posting a pdf letter to an online account is NOT NOTICE - there is no reason for me to check this account every day looking for notices - notice requries a positive action to reach out to me by the financial institution which did not happen here. 

Reading about the new servicer there appear to be signs of growing too fast with many consumers falling victim to the transfer process and very poor communication resulting in negative credit reporting actions as well as delinquencies when none would have existed without the transfer occurring. This is a sign of a problem that CFPB should address. 

I contacted the new servicer who states that I may not be able to make a payment with them on XXXX XX/XX/2023 due to delays in setup of the account- this is not acceptable and again does not appear to comply with 12 CFR Part 1024 ( Regulation X ) Subpart A - General Provisions 1024.33.
Consumer complaint received 2023-03-03
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. (TN)

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  XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX - XXXX XXXX Account XXXX  XXXX Account name : XXXX XXXX XXXX, Account XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX Account # XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.