davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Thomas, King & Associates (GA)

URGENT To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate information about a couple of bankruptcies that were filed. It's my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I'm confused as to why this information is still being reported by you to the credit bureaus. 

I have already confirmed with the courthouses that these bankruptcies were filed and i was informed that this information was not provided by them as the explicitly stated that they dont report information to anyone. My credit is being negatively impacted due to neglectful reporting and i demand XXXX to remove the bankruptcies from your system. You are in violation of my consumer rights under 15 usc 1681a ( 4 ) consumer right to privacy. These bankruptcies should not appear on my credit report. I have the right to deem and i deem these bankruptcy and misleading false reporting is giving me severe anxiety. You are liable for all damages and im seeking litigation. 

Remove Immediately
Consumer complaint received 2022-02-12
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-02-12
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: EQUIFAX, INC. (GA)

I filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.
Consumer complaint received 2022-09-05
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. (CA)

In accordance to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXX  account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXX account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-02-11
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

Attached is email communication from LoanMart 's XXXX XXXX representative ( XXXX XXXX ) threatening me with a repossession order when I clearly stated to him in writing that the XXXX/XXXX/17 payment was sent via mail XXXX/XXXX/17 ... 

First, and foremost, I 'm a LEGAL tax paying law abiding U.S. citizen, and am NOT going to be communicated with in a threatening demeaning degrading way by ANY individual, or organization, especially by someone with probabe friends, and, or family members who are illegal immigrants over a {$260.00} monthly loan payment sent in later than the payment date. Although I 'm also being assessed a daily compounding late payment interest amount!!!!
Consumer complaint received 2015-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

My credit has been run XXXXThis has caused my credit score to drop XXXX points on both Equifax & XXXX. 
I did not apply for credit nor are these cards open. They have been closed for years. I am in the process of selling my house and purchasing another. I am aware of the Group on Mortgage check as we are in the process of purchasing a new home. 
I am disputing XXXX. Again I have NOT requested credit from these companies. I recently had an issue with a XXXX gas card someone opened in my name. This was cleared up by both XXXX and XXXX. I want these removed and reported as possible identity theft. I would like Equifax & XXXX notified of this derogatory hard credit checks so my score can be returned to what it was prior to these credit inquiries. It should be illegal for companies to run credit reports on closed accounts. I am not at all interested in opening these accounts.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently pulled a copy of my credit report and noticed accounts and inquiries that I have not authorized nor do I have any affiliated with. I've contacted the credit reporting agencies notifying them of my personal information being stolen in 2019. I advised that accounts were now being reported to my credit report that are not mine I have the right to privacy and have not given any written consent for this information to be furnished to my credit profile which is in violation of 15 USC 1681B.

Furnishing accounts due to identity theft is also in violation of 15 USC 1681 c-2 I requested that XXXX, Equifax, and XXXX remove all fraudulent addresses that are tying me to accounts that are not mine. I have not received any formal updates and this information being reported in severely impacting my credit.
Consumer complaint received 2017-05-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Account Services, Inc. (MA)

I recently sold my house, after which I owed my utility {$1100.00}. After my move  on  XX/XX/XXXX , I notice d a letter fro m Allied Acco unt Services at  XXXX   XXXX   XXXX ,  XXXX  NY. I called  on  XX/XX/XXXX  and  paid {$500.00} with the understanding of paying the balance  in 2 week s. During this time, my wife and I are looking for our new home for our children. I 'm in the beginning process for a new mortgage when I 'm told m y credit score  dropped over  XXXX  points due t o Allied rep orting me as delinquent for {$620.00}, after making an initial {$500.00} payment. This now causes a large increase in my financing rate as well as which type of mortgage I qualify for. I called them and they offered no assistance other than stating they follow fair credit policies. This is not fair and not necessary and I 'll be paying for this for years!
Consumer complaint received 2017-03-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (CA)

My mortgage has been giving me the past 1 year. I have applied for loan modifications under the government and by purposefully miscalculating income. most recent request for modification was also the denied and refusing to share the data for calculations. In the past, I know from experience, they have miscalculated and grossly reduced my income so I would not qualify for any modification program. Now they are completely refusing to share the data which I have right to get. Without knowing how they came up to this decision, they are practically dishonestly leaving me completely handicapped unable to file an appeal.
Consumer complaint received 2016-07-08
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY (MA)

WF admitted their error of not attaching the six-month 5 % Grocery/Gas/Drugstore bonus in the attached response to our original CFPB complaint dated XXXX XXXX. 
Subsequently, they did nothing to add the 5 % back to our account. So they are simply lying to their customers!! They did not provide a direct number to XXXX XXXX XXXX for us to follow through, either. 

We demand that the six-month 5 % promotional bonus be added to our account immediately!!
Consumer complaint received 2022-09-05
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. (NY)

I reviewed my credit report from all three bureaus XXXX, Equifax and XXXX. I noticed that the report has credit inquires that I did not authorize. I am new to my credit journey and these inquires are affecting my score negatively. One inquiry from XXXX XXXXXXXX XXXX  XXXX made on XX/XX/2022. This was a pre approval I followed via email from the company and my credit was hard pulled. Another made with XXXX XXXX via website on XX/XX/2022, I followed their pre approval application and later was followed up with a phone call to come in and look at vehicle only to find out that my credit was already pulled before even arriving. I notified them of this as I am only looking around but told me it is out of their control. XXXX XXXX also hard pulled my account and even have an inaccuracy on my street address based on my report. I request you to investigate and remove the inquires as soon as possible as I will be applying for a secured pledge loan soon to build credit. Thank you
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX trade lives and XXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to fraudulent investment firm ( s ).
Consumer complaint received 2022-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (AZ)

I had cable tv and internet services with XXXX for several years. I decided in 2020 to disconnect all of my XXXX products and go to a competitor. Knowing that I was switching providers, I paid XXXX the full amount on my Closing Statement {$180.00} immediately. But, for some reason XXXX wants me to pay additional charges and they have assigned my closed account to a few collection agencies. And I have continually submit proof of payment and they no longer contact me. Nevertheless, XXXX keeps hiring new collection agencies knowing that my account has been paid in full.
Consumer complaint received 2022-02-12
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. (NH)

After disputing an inaccuracy on my report, and getting a late payment removed in from an error that occurred in 2019, my credit score increased by XXXX points. Then for no apparent reason, XXXX  days later, it went down XXXX points! The Transunion score is now lower by XXXX points compared to XXXX, and XXXX ( who also uses XXXX ) and there are no differences in the reports in terms of payments or debt. Something seems askew with this score, algorithm or scoring model. 
Transunion was the only reporting agency that had this score reduction. I have contacted customer service at Transunion, which was an abysmal experience and of zero help. Please refer this request to a competent individual within your organization who can investigate the issue in detail. I think its reasonable to expect transparency as to how this score is calculated and an explanation as to why a score would drop after having negative information corrected. Thank you.
Consumer complaint received 2015-10-20
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I was refused a modification to my Loan with Wells Fargo Mortgage. It hasbeen over 2 years and I have not missed a single payment and not late on a sinsingle payment. I tried to tell them my situation had changed but theyrefused to work with me. I think the foreclosed on me unfairly. I want a new loan onhouse loan and my VA eligibility back. They said it was because of my taxlien. Still have lien and no problem
Consumer complaint received 2016-05-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My sub-servicer is SPS servicing I was approved for Keep Your Home California SPS did not send any information as to why KYHC was denied I spoke with KYHC whom stated and sent a letter your servicer declined the assistance because the rears would exceed XXXX by the time KYHC release the funds This was untrue in XXXX 2016 the approval date from KYHC I received reinstatement which was well under the XXXX and recently went over almost four months later SPS stated to me we will attempt to modify first and then work with KYHC At that time I did not need SPS help as KYHC was approved and ready to pay within 30-40 days the reinstatement was good for approximately 21 days and was under XXXX within the guidelines of KYHC SPS stated we can except help after we review for modification KYHC stated that is untrue SPS is not registered in that program which is updated on KYHC website in XXXX 2016 I have requested a letter with details as to exactly why KYHC was denied SPS representative stated to me we are also concerned as your payments will remain the same with KYHC program I stated leasing a room would be immediate if needed until dr releases me to work full time due to XXXX XXXX XXXX, 2016 SPS sent letter of denial for modification SPS continues to input the incorrect income for me which continues to disqualify me for assistance It appears SPS want to foreclose as SPS as denied several attempts to tender the rears due I have written letters to SPS if income I am willing to rent room, as well as my family is willing to assist until I complete medical and return to work full time KYHC - denied Modification - HAMP tier 1 and 2 denied - incorrect income I want to keep my home. 
disappointed with SPS and want my loan to be with another servicer - I DO NOT TRUST SPS Alleged NOTE HOLDER - stated Incorrect in letter to me Thank you for your recent correspondence. 

As per our database, you will need to contact the servicer for the address ( es ) listed in your email. The servicer info is as follows : Servicer : XXXX XXXX XXXX XXXX, Master Servicer Phone # : XXXX XXXX XXXX ( option XXXX ) / XXXX XXXX The servicer is the direct and only contact who would have the information you are seeking. XXXX XXXX is not an investor but a Trustee and therefore does not physically own the loan or the property. XXXX XXXX does not have any say in how the property is disposed, loan modifications, etc. This is the responsibility of the Servicer. 

If you were referred to XXXX XXXX by XXXX XXXX XXXX, please provide the name of XXXX XXXX XXXX representative for our records. 

Thank you for contacting XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Mortgage Backed Securities Fax XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting 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. (TX)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Consumer complaint received 2021-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (TX)

I terminated service with XXXX XXXX XXXX after many years as a customer. They tried to tell me I had a contract, which I did not. They billed me an early termination fee. I contacted XXXX XXXX XXXX several times after they billed me almost 2 years ago. I asked for proof of a contract and they were unable to produce it. That is because there was no contract. They have now sent the debt to three separate collection agencies over the almost two years. The latest debt collector is Franklin Collection Service Inc. Each debt collection company that calls I tell them that the amount is disputed and not owed to XXXX XXXX  XXXX XXXX I ask them to provide me of proof of a contract to support the debt, which they fail to provide me. I tell them not to contact me again but they keep contacting me and they are ruining my good credit by placing a debt collection action on my credit report. I need assistance getting this corrected ASAP.
Consumer complaint received 2015-05-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I open an account at Wells Fargo in XXXX 2014. I open the account because I had direct deposit from my job, which the payroll department was Wells fargo. The first problem occurred when I did not get my direct deposit from Wells Fargo payroll the day I was suppose to like all the employees at my office. That caused over draft fees to my account. Then someone did a fraudulent activity on my account and I informed the bank. They had me open another account so they could direct my other direct deposit from my retirement. Another problem happen when the fraud activity occurred again the bank open my old account up to pay the fraud bills. I called and complained they said come down and move the money to the right account. I went to the Wells fargo in XXXX off XXXX. The bank manager transferred the money over to my new account. Little did I know about two weeks later the bank took XXXX plus dollars from my new account saying the teller made a mistake gave me too much money. More bounced checks, but no fees were taken for the fraud account. But now this is costing me money that they took for overdraft fees not thinking or caring about the mistakes they made. Now recently I started working a job. I got XXXX checks from clients XXXX was fraud they bank claims and they had the nerve to close my account causing my retirement check to be returned to the state of California. Now I can not pay my bills and all they can say is get me the dates and we will look into it. The bank make mistakes I pay for that I put in XXXX check and they say my account is closed and that is it They sent my check back and I went and open another account a business account and ask that the check be transferred there a bank rep that open the account for me tried to get it transfered but their lost prevention department said no.
Consumer complaint received 2017-10-13
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: Stellar Recovery, Inc. (MA)

I currently have an account with Stellar Recovery Inc for XXXX with XXXX. XXXX are charging me with giving back the equipment which I already did. I have my recent and XXXX still has n't changed the information. This account should have never been on my credit report and I 'm requesting removal.
Consumer complaint received 2015-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (TX)

I cancelled my XXXX phone service XX/XX/XXXX. XXXX had provided me signal booster as I was not getting enough signal at my home. When I cancelled my XXXX service I requested for them to send me Signal booster return kit in order for me to return the signal booster to XXXX. The return kit simply contains the XXXX return label. But even after 1 month I never received the return Kit. So, I called XXXX again and again for the issue. Every time their response was that they forgot to send the return kit and will send me as soon as possible. At that time, I informed them that the delay is from their end, so I will not be responsible for any charges. Even after this conversation I did not receive any return kit. I had to call them so many times in order to send me return kit. Finally I received the return kit XX/XX/XXXX, more than 2 months after cancelling the service. Surprisingly, during these 2 months they started sending me letters saying I owe them more than {$400.00} as I never returned the signal booster. It seemed like there was definite disconnect between communication within their departments. 
As soon as I received the return kit, I shipped the signal booster on XXXX XXXX XXXX. I have a delivery proof showing they received it on XXXX XXXX XXXX. I have the XXXX tracking number with all the proofs including photocopy of return label, return kit, XXXX receipts with weight of the package showing XXXX, But to my surprise XXXX kept sending me bills showing I owe them more than {$400.00}. So, I called then again on XXXX XXXX XXXX to let them know the entire story and informed them the XXXX tracking number as well so that they can resolve this very simple issue. At this point I was thinking that I provided all the proofs of return and the issue will be resolved. But the biggest surprise was yet to come. I received a call sometime around XXXX XXXX or XXXX XXXX from Amsher Collection agency that XXXX has put my account in collection from XXXX XXXX which was just 1 day after I talked with XXXX representative and had given XXXX XXXX number as a proof of delivery. This seemed so brutal to me. But, I provided all the proofs to collection agency and disputed the issue on XXXX XXXX XXXX. Currently, this issue is in dispute since that day. 
I have all the photocopies as a proof to prove that XXXX definitely received the signal booster on XXXX XXXX XXXX and so I do not owe XXXX any money. At this point I feel like hitting a dead end. I really appreciate if you can help me resolve this issue.
Consumer complaint received 2022-09-05
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

CAPITAL ONE HAS DISRIMINTAED AGAINST ME ATTEMPTING TO EXERCISE MY CONSUMER RIGHTS! I HAVE SUBMITTED AN ENDORSED COUPON FOR THEM TO ACCESS MY ACCOUNT. THEY HAVE CLOSED MY ACCOUNT ( XXXX ) AND LEFT ME WITH A BALANCE OF {$30.00}. CAPITAL ONE IS ALSO REPORTING NEGATIVELY ON MY CONSUMER REPORT WITH LATE PAYMENT WHICH IS AGAINST THE FEDERAL USC CODES.