davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 2024-03-09
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$25000.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-07-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AL)

I have been harassed and falsely accused by XXXX a wells fargo manager. I did not know she was working at this wells fargo bank on XXXX XXXX XXXX XXXX al XXXX. I was opening me a new account because my old account was hacked supposedly which is what they told me. But i ran into XXXX when i was trying to fix my new bank account. While i was in the bank XXXX police officers came in i did n't know what was going on but i know now. I received a harassing and threatening letter from " XXXX XXXX '' a security agent from wells fargo but i did n't receive a letter until after i made a complaint. I did n't even know my checking account was closed until XXXX/XXXX/2015 and I was n't going to get my social security money. I found out XXXX has once again falsely accused me of harassing her, when their is proof i did n't even bother her. If wells fargo or XXXX had any sense they would had looked at the security footage and i was n't even bothering XXXX XXXX, and she made a false police report which is a felony. Wells fargo believed her side of the story and for the record i did not know that anything was wrong until i called on XXXX/XXXX/2015. I 'm getting tired of XXXX falsely accusing me and everybody taking her side. This is why my new account was closed based on her demand that i was harassing her and this XXXX believes her side. I have legal grounds to sue XXXX XXXX and wells fargo for false accusation and harassment from XXXX and the closure of my account.
Consumer complaint received 2023-10-15
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. (NJ)

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.

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 2019-11-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (PA)

I recently received notice from my mortgage company, Flagstar Bank, that my payment is increasing due to an escrow shortage. While I understand that this may happen, there is no explanation for the increase. The notice states there were was an increase in escrowed items, however there has been no increases in my property taxes. I have been unable to reach my mortgage company during their business hours despite several attempts. I need help getting this resolved as soon as possible as my payment has increased by over {$300.00} a month and I am unable to any answers.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX, this statement is being generated on my behalf. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account.

The following inquiries were not authorized by me and I request removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXXXXXX XXXX, Acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also States a costumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-01
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$940.00}
Consumer complaint received 2023-02-28
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: SYNCHRONY FINANCIAL (NV)

Hello, I sent a letter to Care Credit asking them to validate an account they say I have Below. I sent them a letter on XX/XX/ which I also will be attaching below. It now has been over 30 day and I still have not gotten a response from care credit. I would like for this company to provide a copy of my signature on any documents that holds me responsible for this alleged debt. I will also like for the company to cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 

XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX Accounts 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 an account without my written instructions.
Consumer complaint received 2022-05-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (SC)

I sent a dispute letter to American Credit Acceptance on XX/XX/2022 and they received and signed for it on XX/XX/2022. I just recently received a letter from them in regards to my dispute. The letter stated that they could not locate anything under my name, which was provided in the first letter and requesting that I provide them with the information to basically do their job.
Consumer complaint received 2022-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC (WI)

To ATG llc, The manger I talked to At AtG llc, does not know the law when it come to consumer Rights. What this lady is doing is intentional by putting the debt that is not mines on other credit reports like XXXX ect. On my XXXX account I challenge what was on my report from ATG llc. I said I was the original creditor, XXXX stated, Account information disputed by consumer meets FCRA requirements. So what ATG did was put that debt on my other credit reports. If ATG looks up 15 u.s.c 1602 and go to ( I ) term. I have a social security Card, at it States, means any car used for the purpose of obtaining money, property, labor, or services on credit. So when I opened my bank account I had to use my SSN to get a bank account, the money I used was mines because. That's why I say I'm the original creditor, because every debt or obligations or extension of credit is originated from my social security, so basically what the Bank XXXX  is doing is using my credit a saying I owe them when I don't basically that is identity theft. 15 u.s.c 1681a ( 2 ) exclusions and ( I ) States that transaction and experience are not allowed on consumer reports. Because transaction is my payment history, transaction with the line of credit person/corporation extended to me. My experience is the amount of credit I'm using on that line between me the consumer and the person making the report so if the term consumer report does not include transaction or experience then where does late payments and utilizations come from? When I'm trying to explain this to the manager she basically goes of her own understanding and not the law, which she is deemed to know. The law is public anyone can look it up. No why would this manger keep going putting this debt on other sites when my complaint meet FCRA requirement. If I meet the requirements why would they keep reporting it to other credit reporting agencie?. They are in violation of the law and should receive a hefty fine.
Consumer complaint received 2021-12-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I'm victim of Identity Theft, I have been filed all necessary documents in order to remove account that listed on my credit history and only with Experian, I have Affidavit of Identity Theft, FTC Report, Police report - case number is XXXX with Sheriff 's name - Deesd ID XXXX Experian has failed to answer to my dispute that I submitted on XX/XX/2021 via certify mail FIRST class. I have attached a copy of all documents.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act, XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Acct These Companies has violated my rights with Hard and Soft Pull 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
Consumer complaint received 2023-02-28
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)

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 the documents attached.
Consumer complaint received 2021-12-13
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on XXXX XXXX  XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AWA COLLECT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( AWA COLLECT XXXX )
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am trying to get a copy of my Consumer Report. Every time they do an update I am suppose to receive a copy of the updated Consumer Report. They never send me anything showing any updates. I am demanding copies of my Consumer File and Consumer Report. They are not the same.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Certegy Holdings, LLC (GA)

On XX/XX/2022 around XXXX XXXX, I purchased a XXXX for {$300.00} at XXXX with a personal check. The check was declined by Certegy ( XXXX ) a third party that XXXX uses to ok checks. The phone system tells you your information is only on file for 21 days. I spent three days trying to navigate the telephone menu before I was able to speak to someone. I was told I would receive my information in 16 business days. That will be too late to file a complaint with Certegy. Certegy needs to be shut down.
Consumer complaint received 2015-05-07
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

The city of XXXX XXXX has filed a civil complaint against Wells Fargo for various illegal practices. I have a reverse mortgage through Wells Fargo XXXX am asking your help to determine whether their various charges to service this mortgage is proper & within the guidelines established by FHA. The XXXX time I called Wells Fargo for information re the monthly interest rate change notice I was told to check with the Federal Reserve for my answer! I ca n't point to any single charge that MAY be illegal but would appreciate the CFPB to ask the appropriate questions to determine whether or not Wells Fargo is treating my loan within the laws governing HECM.
Consumer complaint received 2020-12-13
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: Bread Financial Holdings, Inc. (FL)

I have a credit inquiry on my report from XX/XX/20 from XXXX XXXX. I do not have any accounts with them. I have reached out to them and XXXX to have this resolved but have been unsuccessful. I did NOT personally guarantee any account or credit with them. May, I please have this matter looked into and have proof of any " wet signature '' where I, XXXX XXXX gave authorization to run my credit. Thanks in advance
Consumer complaint received 2015-04-21
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NJ)

On XXXX XXXX, 2015, my mother passed away I was named Executrix of the estate. On XXXX XXXX, 2015, I mailed a copy of the death certificate, letter of Testamentary, and letter of intent to sell the property to Wells Fargo to stop the reverse mortgage. On XXXX XXXX, 2015, the appraisal ordered by Wells Fargo was completed. On XXXX XXXX, 2015, I contacted the representative from Wells Fargo that was provided to me. The paperwork was received and I inquired as to the results of the appraisal. She stated that she had not received it and to call back in one week. On XXXX XXXX, XXXX, I again contacted Wells Fargo regarding the status of the appraisal. I was told there was no appraisal had been submitted to Wells Fargo but she would check into. She advised to use XXXX to establish a selling price. On XXXX XXXX, 2015, I left a message for the Wells Fargo and to date there has been no follow-up from Wells Fargo. On XXXX XXXX, 2015, I called Wells Fargo to obtain an email address to submit my concerns. I was advised that all communication can only be through phone or fax. On XXXX XXXX, 2015, I faxed a letter demanding a copy of the appraisal by XXXX XXXX, 2015 or I would contact your organization. To date there has been no response from Wells Fargo regarding my request.
Consumer complaint received 2019-11-23
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. (FL)

I own a house in XXXX that is my primary residence. In the fall of XXXX, my mortgage servicer at the time XXXX XXXX XXXX called me unsolicited and offered me a 6 month forbearance on my mortgage payments due to a hurricane that had just come though. They said that they were offering this deal to ALL Florida customers. I specifically verified that this would have no adverse effect on my credit report. I also specifically verified that at the end of the 6 months XXXX would recalculate things to put the 6 payments on the end of the loan. I can only assume that XXXX recorded that phone call. 

XXXX sent me a Forbearance Agreement to sign. Before I signed it, I called them back about the verbiage that says All payments postponed during the Payment Break Period must be repaid. They said that all payments would need to be repaid but that they would be repaid at the end of the loan. Although I found the verbiage somewhat ambiguous, I trusted that what they were telling me would be accurate. 

Fast forward 6 months to XX/XX/XXXX when I called XXXX to see what my new payment would be with 6 months of interest added to my principal balance. They told me that I would have to apply for a loan modification. I told them that this was NOT what they had described to me 6 months prior. They told me something to the effect of yeah, we screwed up when we told you that, but dont worry about it and just apply for the loan modification. Even though I am paraphrasing, I am 95 % sure that they used the EXACT phrase we screwed up. I again confirmed that this would have no ill effect on my credit, and they concurred. I can only assume that XXXX recorded this call as well. 

Fast forward to a few weeks ago, and I ran my credit just to make sure there was no fraudulent activity of any type, and I see that XXXX was reporting me 4 months late on my mortgage payments in XXXX XXXX once my forbearance period ended. This is making my credit score significantly lower than what it would otherwise be, and has caused me to financial harm. 

XXXX has since transferred the servicing of my loan to XXXX who then later transferred it to XXXX XXXX / XXXX. I called XXXX and my phone conversation was unnecessarily adversarial on their part and went nowhere.