davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NM)

The following accounts has caused me financial ruin. These accounts are an result of identity theft. 



XXXX XXXX {$1300.00} XXXX XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX  {$710.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX   {$710.00} XXXX XXXX XXXX XXXX  {$330.00} XXXX XXXX XXXX XXXX   {$1400.00} XXXX
Consumer complaint received 2024-02-02
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. (CA)

Unauthorized entries were not promptly blocked and deleted from my consumer report after being named in an ID Theft Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

This is a continuation of complaint XXXX. Please see attached information showing proof of payment history. Mortgage company is claiming a payment has been missed. There has been not effective information provided by Mortgage company and the date of their claimed missed payment has changed multiple times. Would appreciate if CFPB can get Mortgage company to close their claim based on attached supporting information. Until this is closed, there claims can only be seen as harassment. Thank you.
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

The following accounts has caused me financial ruin. These accounts are an result of identity theft. 



XXXX XXXX {$1300.00} XXXX Bank Of America {$1500.00} XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX  {$5500.00} XXXX XXXX XXXX   {$710.00} XXXX XXXX XXXX XXXX  {$330.00} XXXX XXXX XXXX XXXX   {$1400.00} XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I am writing this formal complaint against Experian, one of the major credit reporting agencies, for multiple inaccuracies in my credit report, which I believe are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ). 

Inaccurate Address Information ( ID # XXXX ) : The address information associated with ID # XXXX on my credit report is inaccurate and missing crucial details. The report fails to reflect the correct unit information and incorrectly categorizes the property as non-multifamily. Moreover, there should only be one listing for this address, and the current representation is misleading and inconsistent with the actual nature of the property. 
Incorrect XXXX  XXXX Credit Card Status and Payment History : Experian is reporting my XXXX  XXXX credit card as " charged off '' and " past due '' with a consistent monthly amount of {XXXX According to the FCRA, a charge-off should be reported only once at the time of charge-off. However, Experian is repeatedly updating this status on a monthly basis, which is not only inaccurate but also violates the guidelines set forth by the FCRA. 
Furthermore, the reporting of a XXXX  payment each month after the charge-off, along with the continuous display of the same current balance, is not only misleading but also a blatant violation of my privacy rights. All payment history is private information, and I did not authorize Experian to disclose this sensitive information to third parties. 
I believe these actions by Experian are illegal and willfully violating FCRA ( 15 USC 1681 ) and CCPA ( Title VI of 5 USC 1016.1 and 5 USC 552a ). I request that the Consumer Financial Protection Bureau conduct a thorough investigation into these matters and take appropriate penalty action and to rectify the inaccuracies on my credit report. 

I have attached supporting documentation, including proof of the inaccuracies and relevant legal provisions. I appreciate your prompt attention to this matter and look forward to a resolution that ensures the accuracy and integrity of my credit report. 

Thank you for your time and consideration.
Consumer complaint received 2019-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

The following accounts do not belong to me. I would like them removed and I want a 7 year fraud alert placed on my credit report. I have attached my etc report below. 
XXXX XXXX  XXXX
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (CA)

This company is not actual XXXX XXXX. You can not contact them or make payments on the website it is always down! I tried contacting them about my card being lost and they claimed I owed XXXX then XXXX different amounts everytime! They're dispute /fraud dept is closed! And now I have them on My credit
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (PA)

I have written 3 different disputes letters to all three major credit Bureaus in reference to reporting inaccurate information on my credit file. However Equifax failed to reply and or removed such inaccuracies. I have a letter from one collection company stating such account should be removed, which still remains.
Consumer complaint received 2020-10-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

please see complaint # XXXX It has been closed, but there still has not been a satisfactory resolution to the complaint. 
We were automatically enrolled in a forbearance program, we were misled/lied to on every account regarding the process, and now after being told if we signed a HUD modification loan, the account would be brought to current. We have been making timely payments since XXXX, as XXXX, XXXX, and XXXX payments were during the 3 month forbearance program, and were supposed to have been moved to the back end of the loan penalty free, again, we were automatically enrolled, we did not ask for this, now our XXXX thru XXXX payments are showing on our statements as being applied to the " delinquent payments '' of XXXX, XXXX, XXXX. What HUD Doc 's did we sign, and where did that money go? 3 monthly payments total {$4500.00}, Wells Fargo is claiming we owe # XXXX in delinquent payments. I believe we are being defrauded by wells fargo and would be grateful for any assistance in resolving this matter.
Consumer complaint received 2021-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (MN)

My wife and I had two electronic withdraws made on the XXXX XXXX and XX/XX/XXXX for our mortgage. We only authorized Regions Bank to withdraw only one payment. 

We called Saturday XXXX XXXX to alert them and Regions bank representative said it would be sent back into our bank account at XXXX XXXX XXXX for the amount of XXXX. They say it would take a few hours on Saturday. Monday they said they didn't send anything to us. Monday we spoke with customer service and the manager XXXX XXXX and he said the money would be to us by Wednesday the XXXX today by noon. The money never came. We talked to a Supervisor on the XXXX and said a wire transfer would be issued immediately and XXXX  bank would put a hold on it. We called XXXX and we talked to a manager named XXXX. 

We still have no money and our bank XXXX emailed us and said they do NOT hold wire transfers.
Consumer complaint received 2020-11-16
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

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 XXXX  XXXX, XXXX  and the subsequent response received on XXXX XXXX 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 XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-09-22
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: EQUIFAX, INC. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes to verify incorrect information. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every month and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Consumer complaint received 2020-10-26
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. (TX)

Ive been going over my credit report and I saw some incorrect accounts that were on there. 
I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.
Consumer complaint received 2022-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Early Warning Services, LLC (TX)

On XX/XX/22 I was looking to fill a rx and seeking delivery service. I was led to make a payment through zelle which I never used before. The zelle payment request led me to my banking app I use weekly so I trusted the process. I sent {$100.00} to zelle account specifically requested to email XXXX and name XXXX XXXX as the recipient then text receipt to XXXX and my product would arrive in one hour. After 2hours I contacted the bank was instructed no refund would be issued and to contact zelle after doing so I was told to provide any info I had and it would be investigated. I asked if there was a way I could receive an update to the case or receive resolution after investigation I was told no due to privacy policies. I can no longer communicate with caliplugcarts.org through chat option it has been disabled and they no longer are responding to my texts after requesting a refund because they stated I would have to increase my order to {$230.00} if I wanted to receive my rx. So I have spent the next 10hrs seeking justice or a resolution to no avail
Consumer complaint received 2021-05-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

I reviewed a copy of my credit report and I see that there is a bankruptcy item listed that I'm not aware of. I attempted to contact the company and request verification and received nothing back. I understand that this a violation of FDCPA and need to have the account deleted from my credit profile.
Consumer complaint received 2020-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

This company is attempting to collect on a debt that is more than 10 years old and was also previously disputed directly with XXXX XXXX XXXX and XXXX 's dismissed the debt due to identity theft. The following is the complaint that was sent to XXXX 's : On XX/XX/2005, my SUV was broken into as I dined at a restaurant in XXXX, Texas. Numerous items were stolen, including my briefcase that contained my personal information on documents, which included my driver 's license number, birthdate and social security number. Since this event occurred, my personal identity was stolen and numerous successful attempts of credit were extended to one or more individuals. I have sent letters that include a copy of the police report, which I filed with the XXXX Police Department to the creditors who are now falsely reporting incorrect information on my credit report.
Consumer complaint received 2020-10-26
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. (PA)

The accounts being reported are definitely " unverified ''.

( as per fcra section 609 and 605 ( b ) )
Consumer complaint received 2020-11-16
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I wan na apply for the auto loan, the lender can pull XXXX  and XXXX easily. But Equifax is not allow any lender to pull my credit. I called them every day more than one month to solve this error, but the problem is still exist. All lenders said when they tried to pull my credit, block was there. Equifax agents told me my credits there, no freeze ... no block ... on their end ... and I can request the paper document through mail, but the lender do not accept any documents I offered, they just want pull my credit report online on their system. Also, when I log in to my Equifax online account, it always shows error message, it shows " please call customer service center ... '' I called dozens of times, the agents can't do anything, but I can't do anything on my end. " FROZEN '' status is still there on my end what I can see.
Consumer complaint received 2021-05-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/21 I sent a letter regarding the inaccurate and unknown things on my credit report. To this day I have not received response. I feel like im being taken advantaage of and being ignored of my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 90 days!! I demand these accounts be deleted immediately/promptly. That or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

File Number XXXX I am filing this complaint because Transunion has ignored my request to be provided with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has been 60+ days, far beyond the 30 days permissible by law and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have made a request of them to investigate. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2020-07-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 12 XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-07-17
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)

I received a response from you CFPB in reference to my last complaint against Transunion that the company needs more time to respond to my request. I am beyond appalled that you would even allow this response when the complaint filed showed proof that Transunion had already violated my rights under the FCRA section 611. My request was sent on XX/XX/2020 with no response or resolution by the 15 allotted days. How could they be allowed more time to be in violation of the law? I am now seeking legal counsel for your company allowing credit reporting agencies to knowingly and willingly violate consumer protection laws.
Consumer complaint received 2018-03-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MO)

on XX/XX/2018 a credit check was done. I DID NOT AUTHORIZE THIS. I did inquire about a loan on my PAID FOR HOUSE but did NOT NOT NOT authorize a credit check. I am furious about this and want something done asap.
Consumer complaint received 2016-11-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A check was returned without posting to an account with sufficient funds to the account and a nsf fee was charged. Bank explains " an order of posting '' logic that cvannot be backed up in writing. At the close of the business day of XXXX there was sufficient funds to cover check. Please see attached statement. aLandlord is not charging me late fees that should be for the account to bank of America.
Consumer complaint received 2020-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (OH)

In XXXX of XXXX, I contacted XXXX XXXX via an online chat message. I asked them how I could start cellular service with them. They mailed me two new SIM cards, that ultimately didn't work for me, so I NEVER signed up for service with XXXX XXXX, and per them, I disposed of the useless SIM cards. 2 months later, I began to get bills from XXXX XXXX all day long. After about 1 week 's worth of calling there and being bounced between customer service and the fraud department, XXXX XXXX was able to verify that I had NEVER used their service, and they sent me an email stating that I didn't owe them any money and that the matter was closed. Two weeks later, I am getting a bill from a collections agency called AFNI for an amount of {$230.00}? That wasn't even the amount that they said that I owed. I have an email from XXXX XXXX which confirms this. How can I get these people to STOP calling me about a debt that isn't even mine? Now, the debt collection agency tells me that I have to file a police report? A police report for what? Not taking XXXX XXXX service? Please help