davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

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. I sent letters to the 3 Credit Bureaus last month. And now we are in XX/XX/XXXX and still nothing from them. That means the bureaus have not complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Remove these following accounts completely from my credit report : Capital One Bank Usa XXXX Balance {$9000.00} Open Date XX/XX/XXXX ; Capital One Bank Usa XXXX Balance {$0.00} Open Date XX/XX/XXXX
Consumer complaint received 2021-11-12
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: TRUIST FINANCIAL CORPORATION (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Suntrust Bank XXXX XXXX is reporting inaccurately on my Credit Report,
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. 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 XXXX 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 2021-10-27
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. (CA)

On XX/XX/2021, I received notification of a hard credit inquiry on my TransUnion credit report. Per the credit report, the hard inquiry was made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX I did not authorize this inquiry and want it removed from my credit report. 

Thanks.
Consumer complaint received 2021-11-12
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: Synovus Bank (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the inaccurate information about my accounts has been diligently neglected by the credit bureaus. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the fallacious information about my accounts is still on my reports. Therefore, the credit bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The Synovus Bank account is still reporting on my account.
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: EQUIFAX, INC. (IL)

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 XXXX 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 2022-03-29
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. (IL)

Equifax continues to report inaccurate information to potential lenders. When I pull my personal credit on the website it shows I have no collections, Yet when I pulled my credit today with a lender, the collection from XXXX XXXX XXXX. They are doing this to hide the fact that they are reporting this collection to potential lenders. This is a deceptive practice because it prevents me from disputing the collection on the site directly with Equifax. They should be fined for this. XXXX XXXX XXXX should also be fined. I will keep filing complaints until they stop being shady. They have the information to report negative information but then claim to your office that they need my ID and social security card. No honest
Consumer complaint received 2019-01-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

My ex husband took out a small pay day loan from XXXX XXXX XXXX in XX/XX/XXXX in my name without my permission. He also gained access to my bank account so I soon after had to close my account. Today, 3 and a half years later, I received a phone call from a lawyer named XXXX XXXX in texas telling me if I dont pay {$250.00} by XXXX today, XX/XX/XXXX, cash central is going to file a formal complaint with the D.A. office here in California and have me arrested for fraud. Can they even do that? Please help me!
Consumer complaint received 2022-03-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated (TX)

On XX/XX/XXXX, I submitted a complaint # XXXX to CFPB. The company, Consumer Adjustment Company , Inc. ( CACi ), responded to the complaint on XX/XX/XXXX. The former complaint was in regards to CACi, a debt collector, who allegedly was authorized to collect an alleged debt. CACi reported this alleged debt to consumer reporting agencies which caused a decrease in my credit score. I immediately disputed the CACi reporting via CFPB and the consumer reporting agencies and the report was immediately removed from my consumer credit report. Although the negative information was removed following my dispute, my credit score did not return to its original value before the CACi reporting. Therefore, I sought remedy from CACi for violations which were made against my consumer rights according to 15 U.S. Code Chapter 41. Along with the request for remedy, I submitted a certified mailed letter with signature request to CACi, informing them of the several consumer law violations which were made by them and an invoice was attached as well. I demanded a remedy and/or rebuttal of my request be presented to me within the next 10 business days from receiving my letter. A CACi, representative signed the receipt of this letter on XX/XX/XXXX. As of today, no response nor payment has been received from CACi. I have attached to this complaint, a copy of the affidavit and invoice which was mailed to CACi. Per the attachment, please note that CACi was dishonest with the information which was given in response to my previous claim against them. CACi reviewed my consumer report almost a month in advance before reporting new alleged debt information which consisted of incorrect information. CACi was careless in its operation of collecting alleged debt and in doing so, caused harm to the integrity of my financial dependence. CACi caused a negative impact on my livelihood and must take responsibility and acceptance to their negligence in reporting of consumer credit misinformation.
Consumer complaint received 2021-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Accounts Service Team Inc. (OK)

I called and told them the account was paid up through XXXX and I owed no account and the lady told me that it would stay on my credit report even after I told her to contact XXXX and that they said I owed nothing. I filed a dispute and it was rejected. 
This is the company below that claims I owe money to XXXX when XXXX says I owe nothing. 


CONTACT INFORMATION XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (OH)

I'm showing a balance of {$500.00} from Affirm on my credit report, where this XXXX account XXXX account number was paid in full. 
XXXX XXXX account balance paid in full also. 
XXXX XXXXXXXX account balance paid in full also.
Consumer complaint received 2021-11-12
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: SLM CORPORATION (CA)

I, XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with These reporting agencies./// These company ( SALLIE MAE, XXXX XXXX XXXX ) willfully violating the FCRA XXXX Without my direct written consent those reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft pursuant to 12 CFR 1022.3 ( h ) //// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate court action in Federal District for the above referenced violations, I'll be seeking remedy and damages under 15 USC 1681n.
Consumer complaint received 2022-05-18
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX Account number XXXX had violated my rights. 

15 USC1681 Section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (IL)

My escrow is short money. I tried repeatedly to get a statement about all monies paid into and out of my escrow account to no avail. They responded only by saying they need more time. Its been weeks now. I will call the CFPB # on Monday to talk to someone at that agency. 
If I get no help from you my next steps are the Attorney General, XXXX XXXX XXXX. XXXX XXXX, who owns the loan, and a private attorney. They are stealing money and mismanaging my account. 
Start calculating from the day you took over, XX/XX/2021. My escrow balance on XX/XX/2021 was {$2700.00} + XXXX XXXX + XXXX XXXX ( XXXX ) XXXX. 
Minus 6 mo XXXX, ( XXXX ), and XXXX taxes ( XXXX ) = XXXX THIS IS MY CURRENT ESCROW Account ending with XXXX
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX Account Number : [ ] XXXX Reason : [ need it remove been to long ASAP PLEASE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX
Consumer complaint received 2016-02-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

Foreclosure.New investor refused to work out any alternatives after purchasing my mortgage while it is in foreclosure litigation.Wells Fargo never provided me with alternatives to help me keep my home.I agreed to a modification, paid 5 double payments, then was denied a modification.Wells Fargo was forced to buy back my loan from XXXX XXXX, then sold it to a investor who buys nonperforming loans.Wells Fargo was paid in full for my loan and now trying to auction my home off. Will cause my XXXX, XXXX family members and myself to become homeless while our home sits in destruction.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

important : my email is stolen, as i have proof, so I will follow-up to my complaint via phone. 
so ... IF YOU RECEIVE ANY CONTACT IN ANY WAY FROM A PERSON IMPOSTERING ME, PLEASE IGNORE I WORK as a XXXX  XXXX XXXX XXXX XXXX where i have proof some of the below have felony hacked my school email address and endanger children, and want to do felony crime against Chase Bank and XXXX and XXXX XXXX Chase Bank has my mortgage and I have been paying for years. I have complained to them in writing that I WILL NEVER REFINANCE OR DO ANY OTHER LOANS. However, I have documented identity theft and the following people are trying to steal my home mortgage, do a criminal felony refinance. etc. 
Today, while Chase is investigating who is doing imposter for signing me up for loans. 
I HAVE TOLD THEM TO STOP OFFERS, YET THEY KEEP SENDING OFFERS, which i got another one in the mail. WE DO HAVE POSTAL MAIL THEFT BY THE BELOW FAMILIES : XXXX, XXXX, AND XXXX. 
My mail is stolen, tampered with by the same people who are trying to do financial fraud against Chase and XXXX and XXXX XXXX. The CRIMINALS are XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( related to XXXX ) OF XXXX, XXXX XXXX ; XXXX XXXX XXXX ( related XXXX ) ; XXXX XXXX OF XXXX XXXXXXXX XXXX  ; XXXX AND XXXX XXXX OF XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX family lives in XXXX, XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  ; XXXX XXXX ( man ) XXXX, XXXX ; XXXX XXXX, XXXX, XXXX ; XXXX XXXX, XXXX, and other associates, XXXX XXXX and XXXX XXXX of XXXX of XXXX with XXXX XXXX, XXXX ; and other associates. The main conspirators may be : XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX ; XXXX and XXXX, XXXX, and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2016-01-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (SC)

XXXX charged my account {$12.00} even after I checked it as " Do not renew ''. This is for a XXXX account. This was paid for on a pre paid card through XXXX. I called XXXX, explained the situation and that they have done this before. They said can not refund and did n't care that I have had this situation before and been refunded once already.
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

I paid my mortgage to Wachovia Bank. Almost every money I earned went toward this mortgage. The bank collected my mortgage for years. was told, XXXX XXXX handled the books for the bank. XXXX XXXX would send me notices also about my account. I was also sending them money also. No one let me know that XXXX XXXX was no longer part of Wachovia Bank. I was paying XXXX mortgages and did n't know it. The bank should have let me know if they had made changes with XXXX XXXX. Between Wachovia Bank and XXXX XXXX I paid XXXX notes for years and still lose my home. Wachovia Bank should have let me know if XXXX XXXX was no longer part of the bank. XXXX XXXX notices still had Wachovia Bank name on their letter heads.
Consumer complaint received 2022-03-29
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. (PA)

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. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (AZ)

People are using my social security number to apply for loans .. credit cards. XX/XX/XXXX. I did not apply for loan or credit card with JPMCBcredit services. Someone applied on XX/XX/XXXX. They have my SS number and name. Someone also tried with XXXX XXXX XXXX. A personal loan 2 months ago. I tried to put a freeze on my SS number. XXXX XXXX XXXX.
Consumer complaint received 2024-02-16
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. (NC)

Dear Experian After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts and inquiries. Someone stole my identity and generated fraudulent accounts and inquiries in my name. These accounts and inquiries are fraudulent, damaging my credit score, and should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b- Permissible purposes 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 CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the unauthorized accounts and inquiries listed IMMEDIATELY! 

I request your company to provide verifiable documentary proof ( original consumer contract or similar proof bearing my wet ink signature on it ) that you have on file of accounts/inquiries/information listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory accounts/inquiries/information from my consumer report. 

The consumer report that was prepared under my social security number by XXXX is reporting inaccurate information which is a violation under The Fair Credit Reporting Act.