davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IN)

In XXXX of 2014, Wells Fargo forced an escrow account with my regular mortgage payment citing that I owed taxes to the county. I was notified 3 months prior of the potential switch. Wells Fargo provided no delinquent tax bill or threat of sale before the decision. The tax bill was not delinquent and the county office allows taxpayers until XXXX of the following year to pay in full instead of paying the amount in quarterly payments. The escrow account caused my mortgage payments to almost double per month and caused a financial strain on my ability to pay my mortgage. When I inquired about it with Wells Fargo, they lied and said that the county office alerted them on non-payment by the owner. Upon further investigation, the office notified me that they never contact mortgage companies to collect taxes. I had previous paid my taxes every XXXX for almost 9 years. Wells Fargo sent one letter and then without cause switched my account to an escrow account. For at least every 2 years since I've been escrowed, I have owed on my account at the end of the every and my payment is increased. I have asked numerous times to reverse their decision and allow me to pay my taxes in XXXX using my tax refund to which Wells Fargo has denied my request.
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 age can not furnish a account without my written instructions.
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SinglePoint GI (NY)

This account is being shown as 3 separate collections. This is incorrect. The company intentionally split up the incorrect balances to cause irreparable damage to my credit. The initial balance was {$3700.00}. It now shows that initial collection + two additional collections which equal the 1st balance.

Three negative delinquencies for one incorrectbalance.
Consumer complaint received 2022-01-19
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: EQUIFAX, INC. (MA)

I finally taking control of my credit and I noticed that there is an account on there that I do not recognize. Im in the process of trying to get my credit up and buy a home. this unknown account is hurting my credit. The account is XXXX, I do not know where this account came from and i am positive that this account is a result of identity theft. my information was comprimised in the data breach from XX/XX/2017. Someone is using my information to open up accounts. I have done a little but of research and I have read that when your a victim if identity theft, the account should be blocked within 3-5 business days.
Consumer complaint received 2019-08-25
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. (NY)

I have reported 6 accounts and a address where i have never lived at as fraud. XXXX and XXXX  cleared my reports. But Equfax is still showing the Fraud address and accounts on my credit reports. I'm submitting the F.T.C Identity thief report under number # XXXX copy enclosed, i also submitted the clear XXXX report. Please remove these accounts working on getting a mortgage. 
Thank you XXXX XXXX
Consumer complaint received 2019-08-25
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. (MD)

XXXX XXXX XXXX XXXX opened a deposit dda charge off item on my credit files with transunion XXXX and XXXX  this was incorrect and after speaking with XXXX - XXXX notified the 3 credit agencies to remove the item. XXXX and transunion removed the items from my file but transunion has not -- even after i disputed this item - transunion needs to be compliant with the fair credit reporting act and remove this item as they have been instructed to by XXXX   action. this is causing me financial hardship as when transunion initially added the item - my credit score took a large drop in score.
Consumer complaint received 2021-03-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP (NJ)

Received a letter from a Law firm : Pressler, Felt & Warshaw representing XXXX XXXX XXXX. stating a lien was being placed on my home. I sent a letter to the law firm requesting proof that the debt was indeed mine all that was sent was a court judgement that was filed in court. Nothing proving the debt was indeed mine. Upon doing this research I see that this debt recovery initiated back in XXXX which there was never any communication in regards to said debt. Provide the necessary information proving that this is indeed my debt. Meanwhile a Lien has been placed on my property not sure how any of this was done without my knowledge of anything.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX XXXX Account # XXXX Late XX/XX/XXXX, XX/XX/XXXX XXXX # XXXX Late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Account XXXX XXXX Late XX/XX/XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; You reported transactions on my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

69 The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency.

I need the transactions reported on my credit file Deleted from my consumer reports effective immediately.

Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time.

Further more 15 USC 1666b ( a )
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-03-04
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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX XXXX Account # XXXX Late XX/XX/XXXX, XX/XX/XXXX XXXX # XXXX Late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Account XXXX XXXX Late XX/XX/XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; You reported transactions on my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

69 The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency.

I need the transactions reported on my credit file Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 
Further more XXXX XXXX XXXX ( a )
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-03
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: Exeter Finance, LLC. (IN)

I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 

The following INQUIRIES needs to be removed immediately : Creditor Name : EXETER FINANCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/2022 Reason : this inquiries were made without my knowledge or consent and I would like to be provided proof that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of these inquiries via FCRA section 623. If you have no proof of any or one, I would like it removed immediately.

By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them.
Consumer complaint received 2019-09-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: PNC Bank N.A. (GA)

A car dealership fraudulently falsified my original contract and all previous paperwork that I have signed by removing my bank information and get a loan from PNC under my name while I walked in to the dealership with my approval letter from my personal bank that I have been banking with for 10 years. 

Suprisingly, PNC underwriters still approved the full amount of the loan without contacting me while they see that all the documents submitted on my behalf have my original bank name crossed out and my initials were not even provided. 

Since the contract has been modified without my consent and I never signed a loan with PNC, I refused to go pick up the car but PNC still not yet removing the loan from my name. ( I know PNC team is currently working on resolving that fraudulent activity but I feel the process is taking too long before they remove that loan under my name )
Consumer complaint received 2024-03-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (IA)

XX/XX/XXXX - Vehicle Payoff submitted XX/XX/XXXXXXXX  Ally auto blocked wire transfer marked my account as fraud. Requested I pay three payments via certified check XXXX  Sent certified check for full statement balance. 
XXXX Certified check cashed. 
XX/XX/XXXXXXXX  - Contact Ally Auto - Request lean release Response- Sending XXXX Contact Ally Auto - Request lean release. 
Response - Sending release XXXXXX/XX/XXXX Contact Ally Auto - Request lean release XX/XX/XXXX - Ally Auto limited my web account. 
XXXX  Contact Ally auto request Lean release. 
Response - sending release
Consumer complaint received 2018-03-08
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: Bread Financial Holdings, Inc. (NC)

Date : XX/XX/2017 Transaction Amount : {$95.00} Dispute Amount : {$95.00} Transaction ID : XXXX Dispute Case ID : XXXX {$95.00} was supposed to have been credited to my PayPal account because the merchandise stop working within 60 days and probably was not a brand new item. According to PayPal policy ten ( 10 ) days were given and the seller has not responded. In fact seller sent email requesting that I do not ever contact him again and that he would not contact PayPal either.

Thus, today the refund of {$95.00} should be placed back on my PayPal Credit account.

PayPal has a tendency to fail to refund consumers money and make the consumers wait much longer than originally told. 

Many products sold on XXXXPayPal or fakes and do not live up to expectation. 

This company needs to be investigated.
Consumer complaint received 2018-08-01
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: Experian Information Solutions Inc. (FL)

I request an investigation from the Experian company for the violation of the law s, FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA. US Court of Appeals, Ninth Circuit, No. XXXX, XXXX XXXX XXXX XXXX. By Defamation, financial Injury. Protection under the FCRA, FCRA Section 623. Injury to your credit report and credit score, FCRA Section 604 ( A ) ( 3 ). The Credit bureaus, " XXXX '', refuse to correct information after being provided proof of inaccuracy, Defamation, willful injury, FCRA Section XXXX XXXX XXXX XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case 115 F.3d 220XX/XX/XXXX, Filed ( D.C. No. XXXX ). On XX/XX/XXXX I disputed an account reported by XXXX in the file you maintain under my Social Security number. I was informed on XXXX that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.
Consumer complaint received 2018-08-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: USCB, Inc. (CA)

USCB CALLED THREATENING TO TAKE LEGAL ACTION AND LIEN PROPERTY IF THESE COLLECTIONS ARE NOT PAID ... .THESE ARE NOT MY ACCOUNTS DEBT DOES NOT EXIST AND THIS IS NOT A WAY TO COMMUNICATE WITH CONSUMERS
Consumer complaint received 2022-05-03
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. (IN)

An accordance with the fair credit reporting act XXXXt has violated my rights Account # XXXX Date : XX/XX/XXXX Amount : {$24000.00} Account # XXXX Date : XX/XX/XXXX Amount : {$410.00} Account # XXXX Date : XX/XX/XXXX Amount : {$150.00} Account # XXXX Date : XX/XX/XXXX Amount : {$2100.00} Account # XXXX Date : XX/XX/XXXX Amount : {$13000.00} 15 U.S.C 1681 section 602 A. States I have 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 2022-12-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CA)

I opened " XXXX saving account powered by Webster Bank on XX/XX/2022 and transferred {$40000.00} funds from my XXXX bank account. 
On XXXX I requested funds to be transferred to my new XXXX XXXX saving account in XXXX XXXX bank, which had better deal. 
I received confirmation email with reference number XXXX and send date : XXXX and expected delivery date : XXXX On XXXX I received another email from XXXX Bank informing me for security reason they stopped transaction and they need to review my account I called on XXXX and XXXX for follow up and suggested if I can be helpful by providing any information, but the answer was, we are investigating and will call you after investigation, which nobody called up to now. 
Here is copy of their email : External Transfer Request XXXX Update Dear XXXX, For security reasons, your external transfer request from Webster Bank, XXXX account to XXXX XXXXXXXX XXXX, Savings account has been stopped. 

Transfer Details dotted line Item # : XXXX Amount : {$40000.00} From : Webster Bank, XXXX XXXX To : XXXX XXXX XXXX, Savings XXXX dotted line As a policy, we need to review the transaction. Based on the results of that review, we will either cancel the transaction or the funds may take a little longer to reach the destination account. We will notify you of the status of the transaction by email. 

Thank you, Webster Bank
Consumer complaint received 2018-10-08
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mitsubishi Motors North America, Inc. (IL)

I Have Excellent Credit but they ran my credit score 6 times at dealership without my consent. 

I purchased a vehicle on Wednesday XX/XX/18 at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I allowed them to run my credit once, and they ran it six times, once through the dealership and through various banks. So, my credit score dropped as a result. I did not content to them running it multiple times.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Im a Victim of fraud, my identity was exposed on the dark web, as my ssn, address, dob, and name from the XXXX XXXX data breach and the TransUnion data breach. I demand all these accounts be deleted immediately and blocked from ever reporting on my credit report. The law prohibits any fraudulent accounts from being reported on my credit report. This has defamed my character and dropped my credit report by over XXXX points. I demand immediate removal failure do so will result in XXXX per violation escalation to CFPB, FTC, and FDCPA. I demand all accounts listed to be removed and blocked from any future reporting. 

I have also attached an FTC REPORT FOR YOUR REVIEW.
Consumer complaint received 2018-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (PA)

XXXX merged with XXXX in XX/XX/2017, and now I cant log on to pay my student loans or even contact them. I tried logging in to pay, and it kept saying the action was unavailable at the time. When I tried contacting them via the Contact Us form, it requested my SSN and then said I did not have an account with them. When I tried to register again, it said I have an account! I have been unable to speak with a representative to resolve this matter. I have been dealing with this issue for over a year and haven't had any luck. Also, I have moved since then, so my address has changed so I haven't been receiving any statements. ( I can not change my address because I can not log on to my account or contact a representative. ) Im at a loss of what to do.