davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (CT)

According to a XXXX XXXX  with Wells Fargo, the below complaint contains no new evidence which I believe to be incorrect., his reply refers back to prior Wells Fargo reps replies which do not contain any new evidence... Please note, this rep request more time to reply than the normal 30 days period, unable to produce any new evidence, he simply refers back to prior CFPB replies... Please see complaint below.. 


Wells Fargo has not sent notice claiming I owe an amount of {$190.00} for closed account number XXXX. To date, no notice received as requested.. I was referred to account recovery dept without receiving notice I owe this amount, account recovery was explained the debt is due to a credit reversal in amount of {$290.00} including two funds transfers in amount of {$50.00} bringing the amount to {$190.00}. I was advised to reach out to the merchant whom charge in amount of {$290.00} originated from, in which case, the merchant will not refund as they claim the item ordered was delivered correctly... The item was shipped via XXXX, driver has a habit of forging signature and leaving package where it can be lost/stolen as is the case with this transaction. Previously, driver signed for a package as " XXXX XXXX '', complaint filed in re, driver chose to sign for XXXX package as " XXXX XXXX '' due to complaint filed.. The package is nowhere to be found, disputed with Wells Fargo whom placed a temporary credit on account while researched, credit later reversed citing signature which is forged.. I never sign my name as " XXXX XXXX '' and it is not on file as such with Wells Fargo.. I will reiterate as I have before, I do not pay for items not received nor will I ever
Consumer complaint received 2022-06-13
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 2022-06-13
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX # 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 2022-06-13
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX # 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 2022-06-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: GLA Collection Company, Inc. (KY)

I was contacted by What I believe was GLA collections ( as Id had a call from another number about a week before and the number did identify as their agency. ) the agent I spoke with said hes calling to settle a case. I am aware of the FDCPA laws in place. I asked specifically 3x WHAT COMPANY ARE YOU WITH? The agent repeatedly stated hes calling to handle a matter for a case on my maiden name
Consumer complaint received 2022-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

During the beginning of Covid, I broke a lease with my former landlord, XXXX XXXX. 

I contacted them on XX/XX/XXXX and told them that I would be leaving the house on XX/XX/XXXX. 

When I asked them my next steps, they said I would be held to the lease agreement of XXXX months rent. This was approximately {$3600.00}. 

I asked them if I would break that into installments so I could take care of it as quickly as possible. 

They told me that when I left, they would take the amount owed and minus the deposit of {$2500.00} I put down as a deposit and bill me for the rest. 

I was never asked about my situation or if I was impacted by Covid, as I learned they had for others. 

I never heard from XXXX XXXX again. 

In XXXX of XXXX, I received a collection from a collection agency, XXXX, for the amount of {$5500.00}. I immediately asked for a verification of the debt. 

I received a response on XX/XX/XXXX and notice that XXXXXXXX XXXX attempted to charge me for XXXX more months rent, my breaking of the lease charge, and erroneous other charges. 

I sent back within 15 days a rebuttal to the XXXX and XXXX rent being charged since I notified them that I was leaving in XXXX. I also sent detailed responses to the erroneous charges that were on the invoice and the inconsistency in the totals throughout the invoice. When I reviewed their invoice the amount should have been less than {$1200.00}. 

I did not receive a reply. On XX/XX/XXXX, after seeing the information added to my credit report, I sent XXXX a certified letter telling them that I never received a response and that was in violation of the FCRA, specifically, 623 - 15 U.S.C. 1681s-2. I asked them to remove this from my credit report.

When they have called, I have specifically asked for them to provide me their findings to my rebuttal in writing, but still have never received anything. 

This is impacting my financial well-being and I should be protected from having these erroneous charges on my report.
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Today is XX/XX/2019 ..I been fight with this company call XXXX XXXX about these late dates they are reporting on my credit reports after return the car into them and they are just keep reporting wrong info Evey month on all 3 credit bureaus k check my credit this morning my score drop 23 points because of them Equifax it's says charge off XXXX it says repo XXXX it says repo so it's not reporting right and I want them to remove it from all 3 credit bureaus asap they messing my whole life up with this ...
Consumer complaint received 2018-04-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (TX)

I have sent various dispute letters via certified mail to have this debt validated or to be removed from XXXX. This item has been removed from XXXX XXXX and XXXX   months ago because they couldn't validate the debt. Please delete asap.
Consumer complaint received 2022-06-13
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. (VA)

On XX/XX/2021, XXXX XXXX XXXX reported what they called an unpaid medical collection in the amount of {$450.00} on my credit reports with all 3 credit agencies. I was not aware of the existence of this debt, but when I became aware of it on my credit report, I called the company that was reporting the collection, XXXX XXXX XXXX. They explained to me that XXXX XXXX XXXX had sent my account to collections. I did not agree with the accuracy of this explanation so I researched the issue and found out that XXXX XXXX had sent an old medical bill to an old address where I lived over 8 years ago. I never received any type of request for payment or an invoice. I went ahead and paid the entire amount in order to settle the debt and close the account, but I continued to dispute the accuracy of the information and also consulted with my attorney. I found out that XXXX XXXX had changed their accounting systems and much of their pre-existing information did not carry over to their new systems, so they were still using my old address. I had even gone into XXXX XXXX a few times after the date of this collection, and XXXX never told me that I had an unpaid balance. 
After going several different rounds of phone calls and dispute letters, I requested that the creditor provide me proof of the debt, as it was my hope to have this derogatory item deleted from my credit report. The way that TransUnion ( " TU '' ) handled this situation has caused my credit score to suffer even more. When I reached out to TU to dispute the item, TU sent a form to the creditor and asked them to validate that the debt was accurate. The creditor then simply checked a " Box '', to indicate that the debt was accurate, they provided no information to TU, and TU did not investigate the matter any further. TU instead, changed the date reported for this collection to a more recent date, which gives the impression to any lender that this is a new collection and is still open. I have been in the process of closing on a mortgage and this has hindered me significantly. TU is the only credit agency that is reporting this debt over and over again, refreshing it each time they receive a response back from the creditor in response to my dispute. This is a closed account, and paid in full. There is no reason for TU to continue to change the reported date, refreshing this collection. And furthermore, TU is not actually investigating the accuracy of the debt, they are only sending a form to the creditor, and the creditor is just saying " Yes '', it's accurate, with no supporting information.
Consumer complaint received 2023-04-07
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: World Acceptance Corporation (SC)

My rights have been violated according to FCRA 15 U.S Code 6801- Protection of nonpublic personal information 15 U.S Code 6802- Obligations with Respect to disclosure personal info I have not given any of these companies verbal or written consent to report my information. I have not been notified by phone or mail saying that they were going to do so.I do not give them consent either
Consumer complaint received 2022-07-21
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)

This unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-10
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: EQUIFAX, INC. (NY)

The following inquiries were not authorized. I applied for 2 vehicles and the 2 banks that I gave my personal information to, forwarded my personal information to other banks without my consent. Since that time, my credit report has been run numerous times without my permission. And in cases where I did give permission, they ran it repeatedly without my permission. These false inquiries need to be removed from my credit report. They are all listed below : INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX O INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATEXX/XX/XXXX INQUIRER TD XXXX XXXX INQUIRY DATEXX/XX/XXXXINQUIRER XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX  INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATEXX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXXINQUIRER XXXX XXXX XXXX XXXX  INQUIRY DATEXX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRER XXXX XXXX XXXX   INQUIRY DATE XX/XX/XXXXINQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX  INQUIRY DATEXX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX  INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to file a formal complaint regarding inaccurate reporting by XXXX Credit Card, which has persisted despite my repeated attempts to resolve it directly with the company. 

In XX/XX/XXXX, I noticed a remark on my XXXX  Credit Card account stating that I was 30 days late in XXXX of XXXX, despite having a {$0.00} balance during that period. This discrepancy was alarming, especially considering that I had diligently attempted to set up auto-payments through XXXX 's online system, only to find that the system did not save the settings. Even when I called customer service, representatives were unable to rectify the issue, and the auto-pay settings could not be saved. 

The representative confirmed that I had no outstanding balance, yet XXXX continues to refuse to remove this remark, despite my impeccable payment history. 

Despite my persistent efforts, including weekly phone calls and messages, XXXX has not responded or taken any action to resolve this matter. This inaccurate reporting not only tarnishes my credit history but also undermines my financial credibility, despite my consistent and reliable payment record. 

The inability of XXXX Credit Card to rectify this issue is deeply concerning, and I believe it constitutes a violation of consumer rights and fair credit reporting practices. 

I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that XXXX  Credit Card promptly rectifies the inaccurate reporting. 

Thank you for your attention to this matter.
Consumer complaint received 2021-11-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

Chase Bank sent me email notice of wire transfer sent on XX/XX/XXXX. 
Unauthorized wire transfer of $ XXXX was noticed and reported on the evening of XX/XX/XXXX. 
I was asked to call another number and called that number on XX/XX/XXXX. 
Initially, I was told to fill out an affidavit and return it within XXXX days and then I would receive an answer within XXXX days. 
I was asked to close the existing account immediately so I went to my local branch on XX/XX/XXXX. 
As of XX/XX/XXXX, I had not received the affidavit and called for an update. I was instructed to go to a local branch to get a printout of the affidavit. In this affidavit, I am instructed to file a police report and return both documents back to chase. Now I am told I would get a response within XXXX days of returning the documents. I filed a local police report and faxed the affidavit on XX/XX/XXXX. 
I called for a status update on XXXX. I was on hold for 40+ minutes and get disconnected multiple times. When I was able to speak to someone, there was no update and while checking for additional information, I was disconnected again. 
When I called on XX/XX/XXXX, I was told that I would get credit in my account on XX/XX/XXXX which would be XXXX business days from my initial report. 

So far, I received conflicting instructions on filing a local police report. I received XXXX different versions of affidavits with XXXX requiring a police report and one that does not. It instead requires a notary. I received conflicting information on when I can expect this to be resolved. Chase bank has not provided temporary credit after XXXX days while this is being investigated. I have not received any update so far during this process. This process by Chase Bank appears to violate rules governing ETF error resolution.
Consumer complaint received 2018-04-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Carrington Mortgage Services purchased my mortgage from XXXX XXXX XXXX and began servicing my loan on XX/XX/XXXX. At the time I had an open property damage claim due to Hurricane Irma. As of today XX/XX/XXXX, I have submitted all requested paperwork to them to have a check issued to pay 1 of 2 final draws to my contractor. The inspector that was assigned by Carrington came and inspected the home on XX/XX/XXXX and identified the home as 75 % complete in repair., and requested payment from the escrow on my loan. As of XX/XX/XXXX, Carrington still refuses to issue the promised draw amount which is in excess of {$11000.00}. They are holding over {$22000.00} of insurance funds, and will not release those funds nor will they explain why or request any additional documentation. As of today XX/XX/XXXX I have final inspection scheduled and their refusal to release funds have caused me to breach contract with my general contractor. I call Carrington on a weekly basis to check the status, and every time I call no one can provide an answer, and their response is always that it will take 5-7 business days to review.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

In XXXX my deceased husband and I opened a joint checking account. That account came with a lock box. In XXXX when my husband XXXX XXXX died I went into the branch and closed that account. I established my own account in XXXX. On XX/XX/XXXX, 7 years later Chase bank took money out of my individual account. 
They stated that it was past due fees for the lock box that was closed in XXXX. There was never one correspondence in the past 7 years that would indicate that lock box was open, and was not closed at the time the account was closed. Chase gave no warning and took money from my individual account at another branch, without following laws regarding debt collection. The bank has the debt listed in my deceased husband 's name. They have been unable to present any documentation that would allow them to debit my account for for this money.. They sent a letter after they debited that completely omitted my deceased husband 's name from the debt when they took the money from my account. 

I have uploaded the only correspondence, that has been sent to me regarding this box, they have omitted my deceased husband 's name from this document. They literally just attached this lockbox to my current account after 7 years.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I ve been dealing with this matter since XX/XX/2015 to present. Its a run around with XXXX XXXX. 

XXXX XXXX XXXX XXXX RE : XXXX XXXX its reporting inaccurate information to credit agencys As of this date, I am challenging the accurate of my student loans ; yet not all student loans are closed and 2 is pending to transfer the loans to another claim office, and then the inaccuracy reporting that shows on my credit reports as well. Meanwhile as to reviewing my credit report, again its shows 2 open student loan accounts, and as a result its lowering my credit score added. However, I ve tried several times to track down the various loan holders and its always a dead end. Nonetheless, XXXX XXXX XXXX does claims they ve tried to retrieve my last two loans  from both XXXX XXXX XXXX and XXXX XXXX XXXX, yet this process will take from 30-150 days and when the debt companies do fail to reply, then they will resubmit the same process again. Nevertheless, theyre given the run around and its effecting my credit reporting overall. However, below is an ongoing Value Chain process with my current student loans activity : The XXXX XXXX XXXX sold my loan to a XXXX XXXX XXXX, then wholesaled to another debt company called, XXXX XXXX XXXX XXXX then resold to XXXX XXXX, and finally the loan should ve came to XXXX XXXX XXXX XXXX XXXX that would ve closed all accounts, yet were never received.
Consumer complaint received 2022-07-21
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. (SC)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.