davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called the original creditor after getting a fraud alert and reviewing my credit report. The creditor told me to reach out to Transunion which I did. Transunion instructed me to send in a letter and other documentation which I did. Transunion has still not processed my request and it has been over 7 business days. The unauthorized inquiry is still showing and only with Transunion. I did not apply for anything or give anyone permission to access my credit report on the date showing it was done XX/XX/2019. According to FCRA, legally these unverified and unauthorized items must be removed!
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

For 5 months I have been trying to fix the issue revolving around my address with Equifax. I moved to my current address on XX/XX/XXXX from my old address. Equifax stop reporting my score where other bureaus could see my score because they say I have a different address as of the end of XXXX and beginning XXXX. When I discovered this problem in XX/XX/XXXX I started sending them proof of my new address. I have been told by reps at Equifax that they have received this information but when it comes time to fix the problem of updating my information something is always wrong like that they cant see my ID so I sent them color copies now they say that they dont have a copy of my billing statements with my current address that they told me they had before. I dont know who I XXXX off at Equifax but now it's really starting to feel personal. I am a XXXX of this country and someone who has taken a very hard hit from the Coronavirus financially. I am trying to buy a house in a better neighborhood to provide my family a better way of life and all I'm asking is that this problem be taken care of so that I can move. In order for me to do that I need to be able to get a 3 bureau credit report off my other sites like XXXX and XXXX but I can't because Equifax refuse to update my address. Not to mention my account has been dropped from XXXX because they cant pull my credit info from Equifax. I have sent documents proving my current address again on XX/XX/XXXX that they claim take them 10 days to get even though I sent it by fax machine. Hopefully it doesnt disappear like other information I have sent. All I want is my current address to be updated to the right one.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act 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 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I, XXXX XXXX, mortgage holder of loan # XXXX with Phh Mortgage am filing an additional complaint to case # XXXX assigned by FTC. I had filed a previous complaint with above case # on Phh mortgage regarding why a re-issuance has not yet been sent to me of {$6200.00} which was from overage in escrow account when loan was paid in full the second time around. 
XX/XX/2021 i received a escrow account letter from Phh Mortgage showing the accounting of the escrow account which does not make sense to me why they are sending me this letter and not refund again which should still be available since the second payoff of loan is same. 
I tried to contact bank but was sent an e-mail by their attorney XXXX XXXX to cease and decease contact with the bank since the account has been paid in full. 
At this point my first complaint has not been addressed accordingly. This escrow letter sent to me by Phh Mortgage is not sufficient response. From the reading of the letter it appears the bank is trying to state there is all of a sudden no overage in escrow account as prior which is not adding up because there was an overage the first pay-off. I am once again requesting my refund be reissued of {$6200.00} and payoff letter and want reason why it has not yet been resent.
Consumer complaint received 2022-04-28
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. (GA)

In accordance with 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. 

XXXX XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXX OF XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 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 in
accurate.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (CA)

XXXX continues its stance regarding the validity of their perceived permissible purpose, under the Fair Credit Reporting Act ( FCRA ), citing my application via XXXX as the proof. However, despite my repeated requests, XXXX has yet to provide conclusive documentation to substantiate their claim or refute mine. As a consumer, I have the right to understand the basis upon which my credit report was accessed and an unauthorized hard inquiry was placed upon it. The absence of such documentary evidence further exhibits XXXX 's lack of permissible purpose and adds to my concerns regarding the handling of this matter. It is imperative to underscore the legal parameters set forth in XXXX XXXX XXXX XXXX - a consumer report can only be furnished under specific circumstances, namely, with the written instructions of the consumer to whom it pertains. Given the absence of written instructions from me, the consumer, and XXXX 's refusal to provide sufficient documentary evidence, the permissible purpose remains absent and necessitates further clarification. Although an application for an extension of credit may fall within the 'credit transaction involving the consumer ' category, it is crucial to recognize that mere submission of an application doesn't automatically confer permissible purpose for accessing a consumer report. XXXX is required to obtain the consumer 's written consent and/or provide notice to the consumer regarding their intent to access their credit report for this purpose. No notice was sent to the consumer nor was written consent given by the consumer. Therefore, the mere act of submitting an application for an extension of credit does not grant the XXXX permissible purpose under the FCRA to access my consumer report without my explicit written consent. XXXX gained access and furnished an unauthorized inquiry to my consumer report without written consent, this is a violation of 15 U.S. Code 1681b. As per 15 U.S. Code 1681n, XXXX Financial is civilly liable to me for obtaining a consumer report without permissible purpose. While I appreciate XXXX 's effort in providing my application, it does not absolve them of their violations or their obligation to adhere to federal consumer protection laws. Given the seriousness of this issue and the impact on my creditworthiness, mental stability, and financial well-being, I urge the CFPB to investigate for full FCRA compliance XXXX Until then, I can't consider this matter resolved and reserve the right to pursue further legal action to protect my rights. I request the CFPB to investigate and ensure an amicable resolution for this violation, holding the institution accountable for failing to comply with federal consumer protection laws.
Consumer complaint received 2022-11-22
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. (FL)

I submitted a letter to the 3 Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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
Consumer complaint received 2021-05-25
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: Experian Information Solutions Inc. (CA)

There are 4 inquiries on my credit report that I dont recognize I have not approved or know what these are for I have not approved these inquiries and I need to remove these from my credit report since they do not belong to me. 

XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2021-12-04
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2021-12-04
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

Well Fargo questionable practices : 1. Wells Fargo send written correspondence indicating credit reporting issue. Does not provide details in the letter, and asks the consumer to call a number. 
2. After calling the number Wells Fargo refuses to provide any information about the issue, and indicates that a fax should be sent. 

Wells Fargo is intentionally setting up a series of activities to dissuade consumer from understanding the content, depth, and breath of error.
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CT)

I have an account with Wells Fargo that does not permit the balance to go below zero. Two days ago, someone hacked my account and " deposited '' a XXXX check that was fraudulent. WF missed this fraud the first day. Yesterday, the hacker sent TWO {$500.00} XXXX payments, both fraudulently, from my account. WF missed both of these fraudulent transactions. WF later yesterday noticed that the {$3400.00} check was fraudulent and eliminated that balance from my account ( rightfully, since I didn't make the deposit ). This caused the account balance to go below zero. I noticed that the account was overdrawn around XXXX yesterday. I called the WF offices immediately. WF did not contact me about this fraudulent check or either of the other two fraudulent transactions.

I reported the fraud to WF yesterday and had four conversations with the bank today. They are not refunding my money until after their investigation is complete, notwithstanding that they missed the fraud on their systems. WF represented that this is the policy throughout the bank, but I doubt that the representative 's statement was accurate. The gentleman who made that statement is named XXXX and he works as an Executive Office Agent. Further, he refused to escalate my case beyond him ( who is not, I must surmise, the most senior person available ). 

WF 's position is that money I deposit into my account -- whether {$500.00} or $ XXXX -- is not mine at all and is not accessible to me as I wish. Instead, it is only accessible after I notice a fraud plus the 10 business days it takes their ( rather pokey, if you ask me ) investigation team to look into the issue. This is shocking. Query whether it runs afoul of any regulatory guidance.
Consumer complaint received 2024-04-02
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maury Cobb, Attorney at Law, LLC (TX)

I had received package with equipment from XXXX. Service was never connected. And although I never used service XXXX calculated 2 months debt to me. We had back and fourth discussion. Then, I received phone call from debt collector company. I decided to verify with XXXX, but they did not provide me any information weather they collect debt or someone else do it for them. I never received any mail or email from any debt collecting organizations. Now some people who call themself Law Offices of Maury Cobb call me. I simply requested them to send me email to verify that they are indeed collecting debt for XXXX. They denied stating that they don't do that. They told me that they sent me mail, but I never received any mail from them. They lied that they sent me email XXXX XXXX which of cause never happen- I checked my mail box and spam box for entire month of XXXX. Representatives acting rude. People who call themselves Law Offices of Maury Cobb have New York phones and stating that they call from Alabama, don't send any written notices or profs, acting rude and bulling people. That have to be addressed. I checked company online, and it looks like this company involved in whole bunch of fraudulent activities.
Consumer complaint received 2021-05-08
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: TD BANK US HOLDING COMPANY (NC)

Account XXXX You are still reporting this XXXX XXXX. You have mentioned on the current XXXX XXXX with XXXX that the date of last payment was made XX/XX/2014, therefore, not one other payment was made according to this report. Furthermore, the date of first delinquency would be 30 days later or XX/XX/2014. If this is the case, this account is now 7 years past the date of first delinquency as therefore by law it must be deleted immediately. 

If I am seeing something different from you, please provide the date of first delinquency and why you have come up with this date. 

In addition, you are also reporting the date of last activity being 14 months after the last payment was made! I am not sure you know what is reporting at this time, I also debate you have accurate records, otherwise this account would be deleted.
Consumer complaint received 2021-01-02
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. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX
Consumer complaint received 2024-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (TX)

Mr. Cooper mortgage 's customer service number does NOT allow me to speak to a live rep. It puts you into an endless loop with their automated system. I need to speak to someone. This needs to be resolved.
Consumer complaint received 2021-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I have had a credit card account with HSBC BankFor the last 2 yearsI paidAt least5 to 20 times more than the minimum payment every month. 2 months agoI tried to use the card after I made a payment of {$800.00} while my minimum payment was only $ XXXXI was denied the use of the card becauseHSBC decreased my credit limit {$800.00} a day after I made my paymentWhat 's causedMyCredit score to decreaseBecause I went fromFrom 50 % Available credit1 %, it show that I used 99 % of my credit and I pacifically made the {$800.00} payment to lower that so IIn the process ofRefinancing my home they did not give me any notice until two weeks later a letter stating that they reviewed my account and I had too many open accounts which I had that many accounts when I Received the card I only added one other credit card account with a XXXX balance and a mortgage.
Consumer complaint received 2021-12-04
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: VW Credit, Inc (CA)

XXXX, XXXX, and XXXX continue to fail to delete the negative information " charge off '' from my credit report despite having documentation from the government supporting my claims.
Consumer complaint received 2021-12-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (FL)

Hello my name is XXXX XXXX, I am out a lot of money, {$34000.00} was taken in by the scam from someone. 
Please help me out! I don't know what to do I'm so desperate and disappointed Please Please help me
Consumer complaint received 2021-04-01
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: CITIBANK, N.A. (NY)

I charged an online purchase with my Macys Card. The following month I paid the amount in full. My payment was returned to my account unbeknownst to me. 

My account therefore received a late fee and negative comments on my credit report which lowered my score 50pts. 

When I contacted customer service, they removed the fee without me even asking and I paid the amount in full. Customer service then told me to call another number and a good will removal to remove the negative comments from my credit report. When I called that number they refused to do so. I need your help to get the good will removal as I have been repairing my credit score after a divorce.
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX, XXXX and Experian has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX.

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve. 

Waiting for your reply. 

XXXX XXXX XXXX