davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (AL)

I wrote a check to XXXX for XXXX. It took so long to cash it after 3 weeks I called and paid by phone and put a stop payment on the check with Wells Fargo. Wells fargo then cashed the check anyway and placed over XXXX on to my credit card without my knowledge. My score dropped XXXX points. I called WF and they took off all the fees then called over to WF credit card and informed them of what happened. WF removed all fees related to the charge and said it was taken care of. I disputed this score with the credit bureau and they said oh there is no fraud you score remains the same. 
They are still reporting it as though I had taken over XXXX in cash
Consumer complaint received 2019-10-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

Dear CFPB I have been struggling to pay my mortgage. I finally found a buyer and obtained a short sale approval from my first lender but I can not close due to my second mortgage. My short sale approval expires XX/XX/15. 

The second mortgage was owned by XXXX who sold it to XX/XX/XXXX who sold it to XXXX XXXX and then it was service transferred XXXX XXXX. Absolutely no one recorded either an assignment, service agreement or anything on my mortgage title. 

I am awaiting for bothXX/XX/XXXXand PHH who is XXXX to provide the proper assignment and/or servicing documents so I can close. 

Please assist me. I am desperate at this point.
Consumer complaint received 2019-02-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I recently filed a dispute with Experian because there is an istallment loan reported on my credit report for a vehicle from XXXX XXXX XXXX that I never recieved if you read the dates on the loan and call XXXX XXXX XXXX they will tell you that the deal was never funded because the dealer was trying to sell me a vehicle that was wrecked and damage I went ahead and cancel the transaction so the dealer is reporting to the credit beuraus as paid by dealer and because of this my credit score is extremely low affecting me getting a job, a house or any future funding the Experian report number is XXXX please help me get this item removed from my credit report.
Consumer complaint received 2019-02-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I recently filed a dispute with XXXX  because there is an istallment loan reported on my credit report for a vehicle from XXXX XXXX XXXX that I never recieved if you read the dates on the loan and call XXXX XXXX XXXX they will tell you that the deal was never funded because the dealer was trying to sell me a vehicle that was wrecked and damage I went ahead and cancel the transaction so the dealer is reporting to the credit beuraus as paid by dealer and because of this my credit score is extremely low affecting me getting a job, a house or any future funding the XXXX  report number is XXXX please help me get this item removed from my credit report.
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The list of accounts has violated my federally protected consumer rights to privacy of confidentiality under 15 USC 1681. XXXX XXXX XXXX  account has violated my rights.

15 USC 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 2023-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

I dispute the validity of this entire debt. I request validation of this debt per Texas Finance Code. I have disputed this debt with the credit reporting agencies. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code if you fail to meet code requirements. Delete this tradeline if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) For the purpose of validation provide me with : The name and address of the original creditor, the original date of default or non-payment of the debt with original creditor, the date the debt was transferred from the original creditor to the third party debt collector, the original balance, the current balance, how much you purchased this debt for and any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) and Texas Surety bond information as required by Sec. 392.101. I am invoking Texas Finance Code 392.202 CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. I request immediate notification by mail if this alleged debt is sold or transerred per Sec. 392.301 ( a ) ( 4 ). Please note I am fully prepared to pursue my rights for the harm this innacuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. I emphatically suggest you get your files in order as I am a litigeous consumer.
Consumer complaint received 2024-02-09
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2019-04-03
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: Consumer Portfolio Services, Inc. (NY)

I do not give any permeation to this company to check my credit reports and i never apply for anything with this company.The check my credit 6 times on one month and they low my credit
Consumer complaint received 2019-02-09
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)

At the time of the identity XXXX gain access I believe all my personal information including my Social Security number was used to open up accounts without my permission and my authorization I hope by submitting this report it would help put a stop to this issue from Ever occurring
Consumer complaint received 2019-02-09
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. (IN)

XXXX XXXX : XXXX Please Note : CFPB Complaint XXXX-XXXX I did not request an investigation nor dispute. I asked you who updated and verified this account, specifically " Who the XXXX, is making these inaccurate changes? ". 

Do not start another dispute, this would be the fifth dispute and would be the fifth time you failed and lied about verifying the accuracy of this account. 

Either provide a method of verification as requested now for the 3rd time or remove this account. XXXX XXXX does not count as verification. 

I'm done playing this game, either you or XXXX XXXX has been falsifying information on my credit report which i take seriously and which has been a detriment to me. If the CFPB or FTC refuses to do anything i will seek restitution and resolution under FCRA through the courts. This account needs to be removed immediately. Ive documented every form and occurrence of communication with you. Once i start litigation there will be no settling outside of court or dropping. If i start this process it will go full course and what i am asking to do now, which is remove this account, you will have to remove and pay me for not removing it sooner. No games, no threats, just tired of this bs. Remove this account now!!! 

As well i will file a complaint with the FTC, State attorney generals office, XXXX  until time comes for me to see you in court. You have until XX/XX/2019 to remove this account from my reports.
Consumer complaint received 2019-02-09
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 — Investigation took more than 30 days
Company: Westlake Services, LLC (FL)

I recently filed a dispute with XXXX because there is an istallment loan reported on my credit report for a vehicle from west lake finiacal that I never recieved if you read the dates on the loan and call west lake finiacial they will tell you that the deal was never funded because the dealer was trying to sell me a vehicle that was wrecked and damage I went ahead and cancel the transaction so the dealer is reporting to the credit beuraus as paid by dealer and because of this my credit score is extremely low affecting me getting a job, a house or any future funding the XXXX  report number is XXXX please help me get this item removed from my credit report.
Consumer complaint received 2019-02-09
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. (NY)

At the time of the identity XXXX gain access I believe all my personal information including my Social Security number was used to open up accounts without my permission and my authorization I hope by submitting this report it would help put a stop to this issue from Ever occurring
Consumer complaint received 2019-02-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (MD)

The Truck from American Credit Acceptance was repoed, but in there system it says they dont have the truck .Then on my credit it says repoed and a balance of XXXX.If I don't have the vehicle because they took it, then how did they come to a balance of XXXX?
Consumer complaint received 2019-04-03
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Absolute Recovery Services, LLC (TN)

Absolute Recovery Services in XXXX, Tennessee has called at least 10 times a day, every single day. Will hang up and immediately call back. They have called my work repeatedly after being told I can not have personal calls at work. Today they called at least 6 times within 15 minutes, hanging up and calling back immediately. He got rude with the receptionist and told her he needed to serve me with a garnishment and needed the address. He then asked for my supervisor. Yelled at receptionist when she told them my supervisor said she could not discuss personal matters and told receptionist he had to talk to my supervisor immediately. They called back and got someone else who transferred to my supervisor. He told her he was trying to collect a debt from me and that he needed our address to serve me. She told him he could not execute personal service on company property. He argued with her even after she told him she's a manager and an attorney in our legal department. He then told her that he needs to serve a garnishment on me. There has been nothing filed with court. I have received one letter last week stating they were attempting to collect rent from my previous property management company.
Consumer complaint received 2019-02-09
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: Fidelity National Information Services, Inc. (FNIS) (OR)

My XXXX credit bureau report shows inquiries buy XXXX on XX/XX/XXXX and by XXXX XXXX  on XX/XX/XXXX. 

At the time of those inquiries, my XXXX  credit reports were frozen as described by the FCRA. 

XXXX  illegally allowed entities with which I have never done business with to access my reports.
Consumer complaint received 2019-02-09
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. (TX)

I WAS INCARCERATED SINCE XXXX released XX/XX/XXXX I have uploaded, faxed, mailed my police reports Time served paperwork and released date of prison.i would like this resolved it's been over 30 days I honestly feel I am being over looked at because of my incarceration. I should only have my vehicle loan on my credit report ( XXXX XXXX ) This is unfair and I would like this resolved or I will consider filing grievances thank you
Consumer complaint received 2019-02-09
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: SUNTRUST BANKS, INC. (NY)

It was a XXXX XXXX XXXX on XXXX and XXXX who initiated the opening of the account for Sun Trust. I thought with credentials, reputation I could trust him. He has all of my information Social security number, ID, address, work address, this person has all of my information. I was the one to find it strange and contacted Sun Trust bank and investigation report number they gave me XXXX XX/XX/2019. It was odd for me. Sun Trust was no where near NY. I asked this XXXX XXXX XXXX XXXX XXXX if you see issues going on and you know the situation why have you not contacted authorities to report what you initially started. If you are being monitored and hacked then why not report the issue if you are under investigation. I got no response
Consumer complaint received 2019-02-09
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. (IL)

In XX/XX/2018, I filed an identity theft report with my local police department about several items on my credit report that I did not authorize. I contacted Equifax to inform the company of the problem. I challenged the information and submitted all pertinent documentation to prove my cause. It clearly showed that the information on my credit report did not match my identity of my place of living. I explained to Equifax that someone had gotten hold of my personal information and used it and opened accounts in my name. Equifax has continuously failed to remove the account on my credit report and it is hurting my score, credit opportunities and my total credit health. The account is XXXX XXXX XXXX. It is an auto loan and the car dealership that sold the vehicle in my name is no longer in existence. I did contact someone from the company and they verified that the car was in my name. So, I got all of the information on it, looked it over and ran a search on it to discover that the car was a totaled vehicle. Meaning that someone had purchased it from a junk yard and put it back together and resold it which is illegal in the state of Illinois.
Consumer complaint received 2019-02-09
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: STATE FARM BANK, FSB (NY)

XX/XX/2019 I could not take it anymore a mobile deposit initiated by a person online by the name of XXXX XXXX XXXX XXXX had for 8 months requesting of my ID, social security number, work, bank information. I noticed that he had initiated with his contacts online which he claims are Hackers and that he is being monitored. The checks on XX/XX/2019 were the cause of XXXX XXXX XXXX I tried to reach him and ask if you are under investigation, you claim to be this person why have you not contacted authorities but I have no confirmation. This online reassured me that everything with his status and funds, accounts were perfectly legal. Unfortunately with an account with all of my information caused counterfeit checks through this XXXX XXXX XXXX.
Consumer complaint received 2019-02-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Hunt & Henriques (CA)

On or about XX/XX/2018, I contacted Hunt & Henriques regarding a summons that was served at my residence while I was out of state. I spoke to XXXX XXXX who said he was the attorney handling the case. I explained that I was out of state and was not aware of the summons and that the 30 days to respond had passed. XXXX XXXX lead me to believe that he was already in possession of a default judgment but was will to a settlement agreement. Since I am unfamiliar with the legal process I felt I had no choice but to agree. When I received the agreement on or about XX/XX/2018, the letter stated in part " We expect that judgment would be entered in our client 's favor. I called XXXX XXXX 's office to ask why he led me to believe that he already had a default judgment, I also had questions about items in the agreement that we never agreed on, XXXX XXXX has never returned my call, I contacted the court clerk and learned that XXXX XXXX has requested a default judgment, and I would need to speak with the firm requesting the judgment. On XX/XX/2018, a judgment was entered and a lien placed on our home. The law firm of Hunt & Henriques used deception to obtain a judgment against me and caused embarrassment on me and my family sending several letters with their law firm name in bold letters make it obvious that they were attempting to collect a debt
Consumer complaint received 2022-08-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OR)

On XX/XX/XXXX I disputed XXXX XXXX XXXX  account showing on my credit report paid and closed in XX/XX/XXXX. The account was paid in full over the phone in XXXX so I was disputing it because when I called the creditor to pay it I asked if I could pay it on the condition that it be requested by the creditor to be removed from my credit report. I have disputed this a few times. I called Experian after my dispute was denied and they told me it was up to the creditor to request it, confirming what I thought. So I called the creditor and spoke with a couple people. They said they dont have any record of my call in XXXX asking for it to be removed. I asked them to listen to the recorded call and they told me they didnt have a call. This is unreasonable since they have record that it was paid and I paid it over the phone. They also told me because there were late payments they had to report it accurately and it could not be removed from reporting because of that. That this was up to the credit reporting agency. I called back the credit bureau Experian and the gentleman told me thats not true. He said he has been able to remove even delinquent accounts with late payments as long as theyre paid. Contrary to what XXXX XXXX  told me, the credit bureau said it was done at the request of the creditor. This is not only misleading but its an obstacle to navigating credit reporting resolutions. In addition to the creditor falsely stating that paid accounts with late payments can not be removed according to the agreement made between the two parties, blaming this policy on credit reporting agencies and the failure of the creditor to keep records, the contact information provided to initially reach the creditor was also incorrect. I had to call 5 different XXXX numbers and get transferred multiple to these phone lines that were wrong numbers. Eventually I got the correct number which is XXXX. I was only able to get this number by calling an active XXXX  account I have and being transferred. I know the CFPB works to help consumers and I am submitting this complaint because it shouldnt be so difficult to navigate to try and find a resolution. Creditors should not give misleading or false information about why a dispute was denied or what recourse should be taken.
Consumer complaint received 2019-02-09
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. (GA)

I recently pulled my credit because I plan to purchase a home soon. I saw a couple of things on my credit report that where unfamiliar. I did not approve these and would like to have those items removed from my credit. I am doing this on my own and have contacted the FTC and my local police here.N/A ( XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX/XXXX .