davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

I have sent Numerous notices to Equifax to delete the inaccurate accounts they could n't verify or Validate to me. This is a Agreement for validation made pursuant to the Fair Debt Collection Practices Act Section ( 15 U.S.C.A. Section 1681 & 1692 XXXX. ). These accounts are not mine & need to be delete from my credit report.
Consumer complaint received 2021-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, this person claimed that these goods will be sold after payment via PayPal. This person is a fraud and needs to be shut down so that he/ she can not do this again to others. He stole {$600.00} through paypal from me and disappeared with no more response by email and XXXX. Face storefront on XXXX called XXXX XXXX. 

Email : XXXX Thank you. 

you can reach me at XXXX XXXX
Consumer complaint received 2015-08-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Empire Resolutions Group (TX)

Called on, XXXX/XXXX/15 @ XXXX, to my home telephone number and numerous other times. 

The voice message stated that they were calling as a courtesy to receive my statement in regards to a asset & liability search done on my phone number. To dispute the claim I needed to call their office back at XXXX. Failure to do so would document me a non-cooperative. 

I have also received messages tied back to this number claiming that the IRS is suing me and that I need to call immediately. 

I believe this is a violation of multiple sections of the FDCPA and I want this to stop. I 'd like to pursue any legal & financial compensation remedies allowed under the law.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXXXXXX Balance : {$1900.00}
Consumer complaint received 2015-10-28
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY (NJ)

This is the second complaint against TD Bank NA. ( XXXX ). I applied for a Home Equity Line of Credit in XXXX 2015. I am asking for a {$50000.00} line of credit for a rental property that is worth {$270000.00} ( according to their home inspection ). I will pay off the current mortgage ( which is under {$20000.00} ) and do a few small repairs ( less than {$2000.00} ). It was there suggestion that I ask for Home Equity Loan of {$50000.00} @ 5 % interest. Now there asking for information on my residence. I have provided them with everything I could. I have a small home equity loan ( {$32000.00} ) on my residence. ( No first mortgage -- just the he loan. ) They are asking for a statement which I provided. I deal with a credit union that provides a comprehensive statement that includes checking, savings, and loan information. TD Bank will not accept it. I went to my credit union and they were willing to write a letter, but TD wo n't accept that either. First of all this loan is on a property that THEY valued at {$270000.00}. I really only wanted {$30000.00} to pay off the mortgage and do some repairs. I have provided them with the information they requested. XXXX XXXX XXXX XXXX is willing to write them a letter but they won '' t accept it. They obviously do n't want to give me the loan and want me to give up.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

The payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with XXXX XXXX, I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts.
Consumer complaint received 2016-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 's XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XX/XX/XXXX I have send a letter regarding this account. Under the Fair Credit Reporting Act, you must Change the status of the loan modification accounts. 

This account was a loan modification that was done XX/XX/XXXX not in XX/XX/XXXX and it was close in XX/XX/XXXX not in XX/XX/XXXX. For that reason this XXXX account should be remove from my credit report. A loan modification does not take 9 years to process. 

You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX. 

XXXX XXXX
Consumer complaint received 2015-10-06
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (MD)

I have been served to appear in court by Midland Funding LLC with the threat of a judgement. The account was closed in 2012. I am retired and do n't know what to do. The case is scheduled for XX/XX/XXXX in District Court of Maryland. I had attempted to pay the account to XXXX XXXX, but was told the account was sold. Please advise.
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CT)

My husband and I bought a house in XXXX 2014 with a mortgage from Citibank, with a payment of {$2600.00}. Today I received the Annual Escrow Analysis stating that we have an escrow shortage of {$2100.00} and that our payments will increase to {$2800.00} for the next year. Upon calling Citibank, I learned that our actual escrow shortage is closer to {$3000.00} because of a recent insurance payment Citibank made. Citibank explained that this happened because of the way they calculated our tax bill. However, they should have calculated our tax payments correctly to arrive at a more accurate payment. It seems that they did not include insurance in their escrow calculations either, resulting in the total shortfall of approximately {$3000.00}. I believe Citibank deceived us as to our payment amount, giving us a smaller number at the outset and failing to calculate correctly and inform us of the real cost. If I had known that our payment would increase by {$250.00} a year after buying our house, I may have decided to go with another bank or may have decided not to buy the house at all. I was not able to make accurate financial decisions because of Citibank 's failure to provide correct information.
Consumer complaint received 2015-09-25
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams & Fudge, Inc (UT)

I have sent XXXX letters via USPS certified mail at the address listed for the collection agency Williams & Fudge out of South Carolina. The letters detailed my dispute of the debt they were trying to collect in the amount of {$13000.00}. I do not owe this debt and they have failed to provide me with any proof or verification that this debt is mine. They are, however, newly reporting this debt to my credit report. I am unsure if it is reporting with XXXX, but I know it is reporting with XXXX and XXXX. I have just mailed the collection company yet another certified mail letter requesting the debt be removed from my credit because they have failed to verify the debt to me and are in violation of the Fair Credit Reporting Act. I will pursue legal action in small claims court if they choose not to remove this debt which is being reported illegally.
Consumer complaint received 2021-11-04
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. (GA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-10-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

On XXXX/XXXX/15 I arrived at airport to find that my flight dates were incorrect. I had to transfer dates and was told the fee would be {$320.00}. When I arrived home and checked credit card statement I found that there was an additional {$200.00} and {$35.00} fee charged on my account. I contacted XXXX XXXX and my credit card company immediately to dispute these charges as I did not agree to these additional charges and they were different than the actual charge I was told by the employee at the time of the transaction. I have paid the {$320.00} that I was told would be the transfer fee but the additional charges are inaccurate and I do n't feel that I should have to pay for charges I was not made aware of at the time of the transaction.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$42000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- PERSONAL ACCOUNT -- XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account.
Consumer complaint received 2015-08-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a credit card account with Capital One. In XXXX of this year my balance was {$240.00}. Now in XXXX the balance is {$820.00} This is impossible. I have not used this card in 6 mos.
Consumer complaint received 2015-08-29
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Just finished my XXXX. Had to use a credit card to get through some rough financial patches. Was unable to make payments due to lack of income and trying to live on a student budget. Found out recently that a XXXX party has filed a collection lawsuit against me without my knowledge. Apparently this XXXX party ( XXXX XXXX, XXXX ) " bought '' my credit card debt ( still not sure how that works ) and is pursuing a lawsuit against me using the lawfirm of XXXX XXXX XXXX, in spite of failing to communicating with me in good faith. I have not even received a summons or any official, legal documentation. I recently received SEVERAL letters from random attorneys, which brought this lawsuit to my attention, none of which are associated with the lawfirm that is actually pursuing this lawsuit. I do n't understand how this is legal. I recently began a new job in my chosen field in regards to my degree, so I am now in a position to begin making monthly payments. However, this group of people has robbed me of the chance to make good on my debt and are now seeking to sidestep that good faith and take me to court. It is now my understanding that this has become a common business practice. This is n't right.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-14
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. (PA)

Originally I contacted XXXX XXXX on XX/XX/2021 with an Cease and Desist for them to stop violating my consumer rights, by posting late payments on my credit report, sending me bills witch are in a positve balance and using deceptive means to make me believe I owe a debt. They were harrassing me and causing me XXXX XXXX. XXXX XXXX responded by closing my account and illegally reporting negatively to the consumer reporting agencies. I also sent them an Affidavit of Truth with my Exhibits on XXXX. They never repsonded to my Affidavit with an Affidavit which now puts them in Default. On XXXX I sent them a 2nd Affidavit with Exhibits and an invoice for federally violated consumer rights. Im demanding that they give me my specified remedy and pay my invoice. I will follow up with litigation.
Consumer complaint received 2021-06-04
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: Experian Information Solutions Inc. (FL)

I have viewed my credit report from all 2 credit reporting agencies. I noticed in my hard inquiries there are some companies unknown to me as well as I've never given them permission to pull my credit report. When I contact XXXX, Experian and XXXX I was told by all three credit bureaus to contact the creditors directly. When I contacted the creditors one by one, I was advised they could not assist me and referred me back to the three buraus. I am asking the assistance of CFPB to help remove these unauthorized inquiries from my credit reports : XXXX Reports : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 


I did not give my written or verbal permission for any of the above hard inquires. 

Please Help
Consumer complaint received 2016-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

America 's servicing Company denied a postponement in foreclosure date due to lack of proof of funds. I have requested in writing to the Correspondence Resolution Team ( CRT ) the postponement, stating that I will not be able to have the proof of funds or the funds to repay until a week after the scheduled foreclosure date of XXXX/XXXX/2016. They denied the request, forcing a foreclosure. I am requesting CFPB to mediate an alternate route to postpone the foreclosure date.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$6700.00}.
Consumer complaint received 2016-05-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

I believe I was discriminated against by Wells Fargo due to my income level. My account was overdrawn by XXXX cents. Approximately {$770.00} was from the XXXX fees imposed by Wells Fargo. They gave me 60 days to bring my account current or else they would close it. I explained to them that I could pay them {$700.00} which would more than cover the amount paid by them on my behalf as well as a good portion of their fees. My offer was rejected. I was informed by multiple representatives that I had to pay the amount in full by the 60 day dead line or they would close my account. I explained to them that they were putting me in the position to choose to pay rent or pay them. They again said there was nothing they could do. Because having a checking account is important to me I decided to try to make some extra money. I was able to pick up some extra work to help cover rent and then used my entire regular pay check to bring my account to a positive balance with Wells Fargo on XXXX/XXXX/16. When I did I was told that my debit card had been turned off due to misuse. I asked them who missed used it and the representative informed me that I had. I was never informed by the bank that I could be punished by them for not using my debit card according to their standards. Now I have a checking account without a debit card attached to it, something that I feel is important to have in 2016. Wells Fargo made it very difficult for me to keep my account open with them. I told them that I can only conclude that they no longer wanted me as a customer. XXXX branch manager even looked at my purchases and in a loud and scolding tone chastised me for having to use payday loans, people in the bank heard, I was embarrassed, and I had to ask her to please lower her voice. I am not sure how much profit Wells Fargo makes from their {$35.00} fee, but I can only imagine it is somewhere around XXXX I may not make the most money, and I may not always manage my money well, but I am a person worthy of Wells Fargo 's respect. I doubt I will ever get any of the {$770.00} back from Wells Fargo because I am sure they have covered their rear-ends in some complex legal mumbo-jumbo, and that makes all of this that much more frustrating. I am not rich! I live paycheck to paycheck right now! I take my share of responsibility for that but my circumstances are not all my fault. What I needed from Wells Fargo was to be treated like a real person, like a member of the community regardless of if I was rich or poor, what I got was the cold shoulder, sharp criticism, and references to some ambiguous company policy.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and Experian has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX. CA XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$1300.00} DATE OPEN : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$0.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3.00}, XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$550.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT BALANCE : {$3100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT BALANCE : {$3700.00} DATE OPENED : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT BALANCE : XXXX DATE OPENED : XX/XX/XXXX