davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
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. (TX)

reviewed my Consumer Reports and noticed that I had two late payments on an account, I have been keeping up with my payments and guaranteed that on time payments is my number one priority and that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have not been late on recent payments for the account XXXX XXXXXXXX account number XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NJ)

XX/XX/XXXX Dear Sir or Madam, CFPB Case # XXXX has been closed in error ; Discover Financial has not given any response to their tracking data to show the " Ship To Address '' to the goods from their statement. 

Additionally, I did not request any new card, new card # or SEPARATE ACCOUNT around XX/XX/XXXX or XX/XX/XXXX. Their XXXX  data for cards shipped out will show that or to where they send any cards. The account ending in XXXX was active in XXXX and ~ 15 yrs before that. It had another person on it about 3-5 yrs ago, but Discover objected and that person removed. Since then, the card ( ending XXXX ) has been used sparingly ; it is all in their records. Why would I need a separate card # after 15 years? The Fraud was not on XXXX, but on XXXX -- the charges were shifted over to XXXX. Card XXXX is NOT current as it was NOT activated ; I destroyed it. Discover Financial has now moved the charges to XXXX XXXX where it is now accumulating interest ( see XXXX ). 


Thanks. 
XXXX XXXX
Consumer complaint received 2022-05-13
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX acct # 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 2022-05-13
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 # 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 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # 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 XXXXXXXX XXXX acct # 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 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2022 I received a letter from XXXX XXXX stating that they have removed a bankruptcy from my file. I have already disputed this with Experian, XXXX, and XXXX and it came back verified. This would mean that a proper investigation was not conducted which is a violation of my consumer rights. Please see attachment for details.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and detected. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction completed by me as a consumer. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you.
Consumer complaint received 2020-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

A bank teller at the Wells Fargo XXXX XXXX Wells Fargo branch helped me file a complaint for a fraudulent wire transfer, as a result to a hack to my email account where the hacker impersonated one of my vendors and gave me fraudulent bank information in order to re-route a payment to them. The case was assigned to Mr. XXXX XXXX at the Wells Fargo Fraud division. I called every day for 2 1/2 weeks and the customer service people at the bank transferred me to a different online department every time and told me that they were still awaiting a resolution, but that they were optimistic as far as the outcome because the wire transfer was the result of a fraud. Every day I called, got transferred a few times, then got the same response and they told me to keep calling. Today I called again and the representative at Wells Fargo online wire transfers told me the case had been closed 10 days ago and that they would not recover my funds since the beneficiary 's bank had refused to refund the money. I have all my accounts with Wells Fargo and as a small business ( I own a small, woman-owned translation business in XXXX XXXX ) this affects me profoundly. The bank 's treatment of a valued customer is horrible. The stress and time I have invested in this is endless. Can you please do anything to help? It would be much appreciated.
Consumer complaint received 2021-11-09
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: Bread Financial Holdings, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm really satisfied that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITYCB/FOREVER21. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2019-04-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AZ)

XXXX XXXX dba midland credit wrote- threatened to take me to court, forced me to call them- then threatened me again pretending to be a lawyer. XXXX XXXX abused TCPA after telling me they would stop. The settlement offer was on XXXX well above the XXXX owed after purchasing the debt for XXXX on the dollar. They have refused settlement since- all offer must by law- remove debt or have contract stipulation of debt removal before anything will be paid out. XXXX of XXXX is less than XXXX. XXXX refuses this settlement. They will however, slander my name- XXXX fine per month minimum and refuse to pay that to me. Therefore debt is nullified by actions of XXXX XXXX and MCM/encore- who are now moving across state lines. I move to seize business assets of all related companies for th emoney they owe me in reverse debt challenge- due and payable immeadiately in amount over 20 million per company.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have disputed these inquireies with the CRA 's and with the companies. they came back verified. XXXX requesting proof i have yet to receive actual proof. i have filed an idenity teft report with the ftc as well the following inquiries are fraud Transunion- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I reached out to transunion to see if they received the attached document sent with file number XXXX and transunion stated they got the attached document. I asked the fraud department when will the bk be removed from my credit the rep stated it will not be removed. I asked how is this possible when I reached out to the XXXX courthouse via mail to find out if the courts verified the information with transunion and the XXXX courthouse sent me back a letter stating they do not verify to credit reporting agencies nor do they give any information to third party agencies. I asked transunion why was this document so called not valid and the rep could not give me an answer as to why the documentation is not valid. I told the rep that if you can not give me a valid reason why this documention that I gave you is not valid the XXXX need to be removed, number XXXX transuion stated that they " verified '' with the furnisher. The furnisher is not a XXXX party company. The original furnisher is the XXXX  courts whom do not verify any information over the phone nor through the mail and that is what the document states. I have sent documents certified through USPS to transunion and they claim they did not receive it but I have the certification to prove that is a LIE! I have reached out to a consumer legal representation on this matter. CFPB does not make sure these CRA is following FCRA rules. I will be filing a complaint with FTC!
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

There is an account showing on my credit report that isn't mine. It's from XXXX XXXX and says it was originally from XX/XX/XXXX I never had any service from XXXX, so this must belong to someone else.
Consumer complaint received 2020-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (WA)

The national credit ajdudtment company started calling me XX/XX/XXXX. I spoke with them and they were looking for someone else. I told them they had the wrong number. They called the next day XXXX XXXX and I told them they had the wrong number. To stop calling me. I blocked tvem. They still called XXXX XXXX and XXXX XXXX from their line. Then they used another number to call me on XXXX XXXX. I am not the person they are looking for, I have told them this and they are still calling which is harassment at this point.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

I sent a complaint in about Navient Student Loan servicer on XX/XX/2019. This was in regards to student loans. Please see complaint # XXXX where Navient stated they would remove the loans off my credit report. However, the loans still appear creating a debt to ratio income factor. 

No to mention the loans are not validated.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Accounts # 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 an account without my written instructions.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

XXXX of 2022 I got a starter loan from XXXX XXXX XXXX XXXX all payments were made on time they are currently inaccurately reporting lay payments to my credit report I need these to be disputed immediately
Consumer complaint received 2020-12-18
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: AMERICAN EXPRESS COMPANY (FL)

In response to my previous complaint Amex falsely claimed that is duplicate without providing any reference to the purported original complaint. 
I have dispute false account XXXX directly with Amex but did not receive any response. I have no knowledge of this accouny, please investigate and delete it.
Consumer complaint received 2020-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NE)

I paid off my mortgage on XX/XX/XXXX. 

I have been going back and forth with my mortgage company ( Franklin American Mortgage Co. ) to  release my lien ASAP. 

It has been exactly 60 days today and it has yet to be released. 

It is my understanding that Franklin American is in violation of our state statute 76-2803 which requires liens to be released with 60 days of payment or 30 day so of request and could be subject to a {$5000.00} fine or actual damages whichever is greatest. 

This whole ordeal has put me behind on all my other real estate transactions. Franklin release the documents on XX/XX/XXXX to all responsible parties, but NOT to designated trustee.
Consumer complaint received 2022-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (NY)

I requested CAVALRY PORTFOLIO SERVICES , LLC ( `` CPS '' ) to send validation of this alleged debt months ago. I have not received an original contract with my wet signature binding me to this alleged debt. I have never did business with this company, and they are in violation of 15 USC 1681b ( a ) ( 2 ) because they are reporting a collection on my consumer report I never gave them written instructions to furnish anything on my report. We have no dealings at all with them, they have my non-public personal information that I never disclosed to them, that's identity theft. I am requesting proof of current ownership, the forward flow agreement, the aggregated value of purchase of this alleged debt between the original owner and the current owner. They stated that this alleged debt is with a law firm XXXX XXXX  XXXX, I am requesting proof of representation from this law firm just to see if they are really representing cavalry and don't have interest. I demanding all the above to be notarized before I am in receipt of what I requested. While we are disputing this needs to be removed from my report immediately. I am requesting this company to cease & desist, that means all mediums directly and indirectly.
Consumer complaint received 2020-12-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Active foreclosure, when all all foreclosure activities were suppose to be suspended until XX/XX/2020. Wells Fargo continues to operate outside of all state or executive mandated moritoriums with very if any regards to the consumer. Wells fargo behavior in this particular case is well document with lies and mistrust again. Loan number XXXX.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (MA)

Elain Financial Services didnt give me credit on my account for the month of XX/XX/2020. As factual proof of payment for the month of XX/XX/2020, I provided Them with my citizens bank statements showing multiple payments being made via automatic pay for the month of XX/XX/2020.
Consumer complaint received 2020-12-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (CA)

In early and mid XX/XX/XXXX, I called in to Chase Auto Finance and Chase Executive Offices to discuss getting a two-month deferment ( to the end of XX/XX/XXXX ) because of the Covid/financial situation. 

Due to the continuing Covid-19 pandemic, my work has not yet picked back up ( as of mid XX/XX/XXXX ), and with government-forced shut-downs in XXXX California ( where I live ), the speed at which my work will return has been slowed further. 

When I spoke with a representative at Chase Auto Finance, I was told that a two-month deferment was not an option at the time. 

I also left a few messages with a rep at Chase Executive Offices. He did return one of my calls ( he left a message ), and asked that I leave him a message with the details about my situation. I did leave the rep a message, but three days later, have not heard from him about the matter. ( I understand everyone is very busy right now, but at the same time, I very much need to get this settled asap. )
Consumer complaint received 2019-04-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (IL)

On XX/XX/2018, a debt collection agency called XXXX sent me a letter saying that I owed XXXX {$610.00}. The letter was dated for XX/XX/2018, I sent a letter back to them dated XX/XX/XXXX by certified mail thru the post office, disputing the validity of this amount owed. Once they received the letter, they took the amount owed off of my credit report within a few weeks. Now they have come back under a new name called Diversified Consultants, and have put the inaccurate amount owed back on my credit report. Diversified Consultants never sent me a letter or anything of that  nature to let me know that they have taken over the collection attempts of this account. I just happen to check my credit report yesterday and was surprised to see that they put this back on my credit report without the courtesy of contacting me by letter first. I believe that XXXX and Diversified Consultants are one and the same company. Just because they changed their name, they think that gives them the right to pursue this unjustified debt. This new collection attempt is fraudulent, and exceeds the limits of what is proper, fair, and is in total disregard of what is right and legal. This all started when my wife got basic cable in my name over my objections. She was late with the bill in my name, an they cut off services. We turned in the equipment soon afterwards and XXXX continued to bill us for service because they told my wife that we did not call them to tell them to terminate, what they had already terminated. So now nearly a year later, XXXX is back as Diversified Consultants, and expecting me to pay this debt. I need Consumer Financial Protection Bureau to come to my aid and fight on my behalf during this legal dispute. Thank you for your time and your patience.