davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (TX)

I applied for a modification for the loan. I was waiting to hear back if I received the modification and received notice from Seterus 's lawyer that i was scheduled for foreclosure in 3 weeks. I had not received any communication prior to that. When I called Seterus, I found that they had been sending communication to a lawyer that I no longer had. One letter that they sent had my address but another person 's name on it. When I told them that they had sent everything to the wrong place and asked for more time since I didn't know I didn't receive the modification and got the foreclosure notice so late, they refused.
Consumer complaint received 2018-10-28
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: JPMORGAN CHASE & CO. (IN)

I noticed multiple hard inquiries on my credit report from XXXX XXXX XXXX although I had never applied for credit with them. When I contacted them, I was told that they had received credit requests but my personal information was unverifiable so the accounts were not approved. They indicated to me that his was identity theft, as a result of online purchases with XXXX. I sent a letter to XXXX XXXX, XXXX requesting that the unauthorized inquiries be removed from my credit report but they were not removed. The dates these unauthorized inquiries appear are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This has had a negative effect on my credit score with XXXX  for nearly two years!
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: HW Holding, Inc (SC)

XX/XX/2022- XXXX I disputed an account that is reporting on my credit report. Hunter Warfield, Inc is reporting a account that is not affiliated with me. I requested a notification letter from Hunter Warfield through the Consumer Financail Protection Bureau. I attached that letter with this complaint as proof. Please check the address that is on the letter. I do not have a previous nor present address of XXXX, NC XXXX. Therefore Hunter Warfield DID NOT NOTIFY ME as the LAW requires. Fair Debt Collection Practices Act law 15 U.S code 1692g states clearly that a creditor must recieve notification before a debt collector puts information on a consumers file. Please check my addresses on my XXXX credit report. Reinvestigate this account please.
Consumer complaint received 2022-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (AL)

I sent amsher collection services a cease and desist letter by certified mail. I also attached an invoice for {$5000.00} and the exhibits to match my claim of amsher collection services violating my federal protected rights. They already admitted to guilt by deleting the collections off my credit report that they fraudulently added without my consent. I need to be compensated.
Consumer complaint received 2018-10-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2018,,, Continuting, Important Imformation About These Matters,, ( Wells Fargo Bank ),,, Have Not Fixed Any Of The Problems,, This is So UnAcceptable,, ( Previous ) Matters, And, Future Matters,, Have Not Received Any Settlement Payments Yet,, This So Overrated,,!!!
Consumer complaint received 2022-03-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP (NY)

I dont use this account and thought it would be closed after 90 days of {$0.00} balance. After Key Bank flat out lied in their previous CFPB response to another issue, I wanted the account closed. The customer service representative said it could not be closed even if it had a {$0.00} balance. I waited 90 days and it is still open. Thankfully, I have many choices when it comes to banking.
Consumer complaint received 2018-10-28
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: Sierra Holdings LLC (TX)

I sent payoff to my finance company which cleared my bank on XX/XX/18. It is now XX/XX/2018 and I have yet to receive a title, paid in full letter, nor release of lien. I have contacted the job several occasions just to get told the same thing, its already been sent out in XXXX. I have XXXX had an issue with receiving mail from this company and AFTER my check was received, Ive not only received a XXXX monthly statement ( even tho it showed {$0.00} owed ) since then, but also a refund of about {$13.00} in which XXXX claims all documents were sent out together with refund and it confirms that I have no issue receiving mail. They are continuously giving me the run around about my title and paid in full/ release of lien even tho I have requested on multiple occasions to have it resent or to send it to my email. This is ultimately the worse finance company Ive ever did business with considering this is my 2nd CFBP complaint within a year!
Consumer complaint received 2018-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AP)

I have disputed the late payment XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2022-11-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc. (TX)

National Enterprise Systems ( NES ) committed 31 violations of the Fair Debt Collection Practices Act. They violated Title 15 USC Chapter 42 ; 1692c, 1692e ( 2 ) ( A ), 1692e ( 10 ) 1692e ( 13 ) ,1692e ( j ), Chapter 94, Subchapter II, Paragraph ( a ) ( 2 )
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

My name is XXXX XXXX XXXX and I am sending this complaint to address the inaccuracies on my credit report provided by Experian. It was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$6400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX  Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). I have carefully reviewed my report and have identified several inaccuracies that I believe must be corrected. The following is a list of the negative items that I wish to dispute : XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX  - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX  XXXX - Account Number : XXXX - You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

XXXX XXXX  - Account Number : XXXX XXXX XXXX Account Number : XXXX - Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX - I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

Under the FCRA, I have the right to request that inaccurate or incomplete information on my credit report be corrected or removed. I am requesting that you investigate these items and provide me with a written explanation of your findings. If the items are found to be inaccurate, I am requesting that they be removed from my credit report immediately. I am also requesting that you provide me with an updated credit report reflecting the removal of these negative items. 

I appreciate your attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-10-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In response to previous complaints on behalf of Bank of America, outrageous display for taking my very little money and locking me out, then stating they will no longer do business with me. First attempt early XXXX, second attempt XX/XX/XXXX, has caused a lot of issues. As I stated in a recent complaint yesterday, I couldn't go to my doctors appointment, I lost my medications for the entire month and part of next month. I am responsible for my mother 's medications as well, and her doctors appointments. Which is gas and co payments! I CAN'T CONTINUE LIKE THIS FOR ANOTHER LONG DRAGGED OUT WEEK! The bank sent me a letter stating my account will be opened on XX/XX/XXXX, and everything will be the same, with a balance of XXXX!!! What? This situation was not my doing or fault! I WON'T MAKE IT, YES I BELIEVE I AM ENTITLED TO PUNITIVE DAMAGES COMPENSATION, MY BILLS HAVE DOUBLED AND NOBODY WANTS TO HELP ME! I PRAY THEY DON'T PICK UP ME VEHICLE. I NEED MY MEDICATION, MY MOTHER NEEDS HERS, I DON'T WANT HER BACK IN THE HOSPITAL, MONEY FROM ORGANIZATIONS GOT IT BACK AND ASKED WHY? THEY WILL ONLY TRUST DIRECT DEPOSIT. I AM COMPLETELY STRESSED OUT, XXXX XXXX IS XXXX  XXXX, VERY LOW ON XXXX MEDS AS WELL AND I HAVE NO MORE XXXX IN MY BODY TO PRODUCE XXXX. I DON'T UNDERSTAND WHY THEY ARE BEING CRUEL, JUST PLAN EVIL. I HAVE BANKED WITH THEM FOR SO LONG ... .. PLEASE, PLEASE HELP ME!!
Consumer complaint received 2022-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CA)

On XXXX XXXX a collection agency by the name of Southwest credit had placed an unknown debt collection account on my credit report with XXXX which had dropped my score XXXX. However, i did call southwest collection and spoke with a manager name XXXX about the situation. I have told her that the debt is not mines and gave her the account number from the collection information that i had saw on experian. she enters the information and tell me that the account was recently open in XX/XX/XXXX but had been closed since XXXX and i need to call the original creditorXXXX XXXX  XXXX bank which is now XXXX. Which is confusing. Anyway, She gave me the number to the XXXX fraud department and i had call to speak to numerous agents at once while putting me on hold. I was on call with them for about an hour, literally. Anyway, the agent at XXXX  had said that she dont see an account. So i gave her my social security number but nothing had came up either. The agent had told me since i have a common name, it could be a mistake and to dispute the account with the credit bureaus. I said okay and hungup. Seven days later, my report gets updated by XXXX  XXXX bank with the collection amount. So i did dispute the account with XXXX but they had told XXXX that the account is mine and XXXX didnt take the collection off my account. I had never had XXXX at the adress that they had claimed to be and, i was incarcerated in XXXX which i can show proof. And my current adress is on my drivers license.
Consumer complaint received 2018-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I have never done business with National Credit Adjusters. I do not have a written contract with National Credit Adjusters. I reached out to National Credit Adjusters twice for proper debt validation and still have not received proper debt validation for the alleged debt that is listed on my credit report. This is my third and final attempt asking for proper debt validation from National Credit Adjusters. The next time will come with a lawsuit. If National Credit Adjusters can not produce a written contract between themselves and me showing that I acknowledged and am liable for this debt then they must remove this erroneous debt from my credit report immediately. It is NOT suffice to produce any documentation from any third party company. I am asking for documentation directly from National Credit Adjusters. National Credit Adjusters does NOT have permission to contact me by phone, e-mail, or us mail. All communication needs to come through this CFPB portal.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 2022-03-12
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. (TX)

I am a victim of Identity theft, XXXX XXXX XXXX  has a fraudulent credit card on my acct. XXXX XXXX XXXX XXXX has a fraudulent loan on my profile and lastly XXXX XXXX XXXX is reporting a Fraudulent charge for someone unpaid rent. 
XXXX XXXX XXXX XXXXk XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-17
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. (FL)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Today ( XXXX ) I was trying to open an account with XXXX. Howerver, I was unable to open an account because the information I provided to XXXX and TransUnion did not match. 

I was informed by XXXX XXXX account that TransUnion provides free credit report and that I should look at the credit report and make changes as required. 

I try to get a credit report, but it turns out I will be charged XXXX per month. I was however not aware of this while providing my details as this information was hidden under a star. I provided my credit card information, thinking that this was part of the identity verification process. As soon as an account was created, XXXX was charged to my credit card. 

I immediately called them and asked me to cancel their service and issue me a refund. They canceled my service but REFUSED to provide me a refund.
Consumer complaint received 2018-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE (WI)

I am not disputing money owed on the account. 
XXXX XXXX master credit card automatically enrolled me in paperless statements and did not receive a paperless statement. 
I did not consent to enroll in paperless statements. 
Sent my wife a credit card due to Wisconsin Law- I am a Delaware resident. 
Never sent me a paper statement to address on file. 
Hit my credit report with a miss payment. 
Credit card company acted on its own behalf and did not send a bill. 
The paperless statement did not go to a e-mail address either. 
I had no ability to receive a bill. 
Credit card sent a credit card to my wife. 
My wife was unable to set-up account for direct payment My credit score went from a XXXX to a XXXX when going to buy a home mortgage. 

Late fee of XXXX is being removed. 
{$79.00} Annual enrollment fee is being removed and causes closure to the account,. 

Reference number XXXX. 

They were unable to remove me from paperless statement or send me a confirmation at this time.
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some of the information on my credit report that I believe is incorrect. I have identified several negative items that I request be removed from my report as soon as possible. 

Firstly, there are some personal details that do not belong to me, specifically the names " XXXX XXXX XXXX '' and " XXXX XXXX XXXX ''. Please delete these from my report immediately. 

Secondly, there are multiple previous addresses listed on my report that belong to other individuals. The addresses are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request that these addresses be removed from my report immediately, as they do not belong to me and are therefore not relevant to my credit history. 

Thirdly, there are several employers listed on my report that are not mine. The employers are as follows : XXXX Emp XXXX XXXX XXXX XXXX XXXX XXXX Please delete these employers from my report immediately, as they do not belong to me and are therefore not relevant to my credit history. 

Lastly, there are several inquiries on my report that were not authorized by me. The inquiries are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have no recollection of authorizing these credit pulls, and I demand that they be removed from my report immediately. 

Thank you for your attention to this matter. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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