davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

Dear CFPB, I am writing to file a complaint against Wells Fargo Bank regarding issues with their banking system and potential fraudulent activities. 

Last month, I filed a complaint about the same issue, which involved my designated repayment account at Wells Fargo. Despite not making any changes to my account information and successfully making multiple payments, Wells Fargo claimed that the payment was unsuccessful due to an issue on my end. They demanded that I pay a {$45.00} interest fee. It was only after my complaint that they refunded the interest, and my subsequent payment was successful. Why did it fail the first time? It seems like a trap. 

Today, I received another notification of payment failure, even though my ACH link has successfully processed payments multiple times. Whats even more concerning is that they have directly canceled my payment card link, seemingly preparing to shift blame onto me again, and I anticipate further attempts to collect fees through these questionable tactics. 

My repayment savings account has more than enough funds, and I made a successful payment just a few days ago. 

Wells Fargo appears to profit from failed payments on the due date, and whats even more unacceptable is the suspension of the use of my XXXX XXXXXXXX XXXX payment method. 

I am lodging this complaint in the hope that the authorities will oversee the actions of this unethical bank. 

Sincerely, XXXX
Consumer complaint received 2019-02-14
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. (IL)

My credit report has been mixed up with my XXXX  and no matter how many times I call to get it fixed or send in a dispute, they havent been able to fix it. Both experian and XXXX havent been able to do anything. XXXX theres still has inquiries that aren't mine, and a reported closed account, not mine either. Experian has a account thats not mine on their report and another closed account.
Consumer complaint received 2022-05-16
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. (MD)

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 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of 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 delete the following accounts completely from my Credit Reports : XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$880.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} EQUIFAX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$800.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$880.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00}
Consumer complaint received 2024-02-15
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. (IL)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account Number:XXXX XXXX XXXX - Account XXXX
Consumer complaint received 2022-05-16
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. (MD)

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 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of 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 delete the following accounts completely from my Credit Reports : XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$880.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$800.00} TRANSUNION : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00}
Consumer complaint received 2016-02-02
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Please cross reference this complaint with a previous filed complaint # XXXX against XXXX XXXX XXXX. Bank of America , N.A . ( " BANA '' ) was the previous alleged servicer/debt collector for the loan. On XXXX XXXX, XXXX, I sent a letter to BANA ( attached with complaint ) requesting information on a Beneficiary Declaration. I asked if a Beneficiary Declaration was sent to the foreclosure trustee company, XXXX XXXX XXXX and if one was sent, to please send me a copy of it. I received a response ( attached with complaint ) from BANA, dated XXXX XXXX, XXXX. The response did not answer my question, and instead it totally ignored my request and directed me to ask any questions to XXXX. I sent follow-up letters ( attached with complaint ) to BANA on XXXX XXXX, XXXX, and XXXX XXXX, XXXX, requesting the same information in both. I have yet to receive any acknowledgement or response from XXXX at the time of filing this complaint on XXXX XXXX, XXXX. I request that the CFPB compel BANA to answer my request and provide the information requested. BANA has my permission to communicate with the CFPB on this matter. 
The subject property is XXXX XXXX XXXX, XXXX WA XXXX
Consumer complaint received 2022-05-16
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. (NC)

This is XXXX 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 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of 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 delete the following accounts completely from my Credit Reports : XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00} EQUIFAX : XXXX  XXXX Balance : {$110.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00} XXXX : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00}
Consumer complaint received 2022-05-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (IN)

2018. I was a co signer on the car.i did not know this would come back on me.i called after he left my home with the car I called credit acceptance to explain but they had attitude. I asked to locate the and bring it to me I'll will pay XXXX a month.they said no I need to start paying now.this is not my fault seems he is putting this on me.i have been paying on my credit trying to fix it.i never had the car nor drove it.please help me remove.i am now trying to get a car but I can't because of this is hurting my score this is an ex I learned my lesson but he can't do this.i can't work intile I get a car.im a single mother and I'm starting to believe he never cared what damage this has done.please I'm doing everything I can but that alot.i have been trying to fight this on my own I know longer can I need help again this is not my fault I can not believe this is on me and not him.please please no I will not give up cause if u look I'm determined to get a car so I can work I have kids and we don't do anything because of this.please I don't deserve this at all that's alot of money..never will I do it again nor have a co signer for my self ever.ill take my chances on my credit. Thank you
Consumer complaint received 2022-05-16
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. (NC)

This is XXXX 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 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of 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 delete the following accounts completely from my Credit Reports : XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00} XXXX : XXXX  XXXX Balance : {$110.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00} TRANSUNION : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00}
Consumer complaint received 2022-05-18
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. (MO)

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. Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Equifax, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} ; XXXX  XXXX XXXX Balance Owed : {$490.00} ; XXXX  XXXX XXXX Balance Owed : {$300.00} ; XXXX XXXX  XXXX Balance Owed : {$10000.00}
Consumer complaint received 2022-05-16
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. (MD)

I received your response in my complaint # XXXX, XXXX, XXXX and Im the one who submitted a complaint on XX/XX/XXXX. These items XXXX XXXX XXXX ( Original Creditor : XXXX ) and XXXX  Date of Inquiry XX/XX/XXXX is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ). These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me
Consumer complaint received 2022-05-16
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. (MD)

I received your response in my complaint # XXXX, XXXX, XXXX and Im the one who submitted a complaint on XX/XX/XXXX. These items XXXX XXXX XXXX ( Original Creditor : XXXX ) and XXXX  Date of Inquiry XX/XX/XXXX is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ). These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me
Consumer complaint received 2022-08-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2022-05-18
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. (MO)

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. Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and TransUnion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$300.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$10000.00}
Consumer complaint received 2021-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (TN)

On XX/XX/XXXX, a transfer through XXXX of {$290.00} was done on my account. I had only ever used XXXX twice back when I lived in California, and normally avoid it as it isn't safe, so seeing XXXX be used while I was here in Tennessee was a huge red flag. 
I filed the fraud report shortly after once I noticed the transfer, hoping Navy Federal would at the very least be able to provide me the needed information to file in small claims if they were unable to perform a charge back. It was also at this time I noticed my XXXX account was restricted, as if it had been breached or broke the ToS. Navy Federal 's fraud department also immediately deactivated my debit card without warning or notice.

According to Navy Federal 's fraud department, only my device signed into my XXXX account ( Navy Federal has built in XXXX XXXX, so there was no possible way fraud had taken place on my account.

Navy Federal also refuses to provide me the information needed to identify the individual the money was sent to so I can file a police report/small claims case.
Consumer complaint received 2021-10-29
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. (NJ)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-10-29
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: LEXISNEXIS (GA)

I need want to opt out of and freeze the reporting companies ( lexis nexus and XXXX XXXX ) Ive been contacting them for more than 2 years and they are giving the run around.