davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-26
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX. Equifax does not want to remove a charged off account from my credit report that is not mine. I have never had an account with XXXX XXXX and yet Equifax is reporting that I have a {$16000.00} past due account with this company. The account number on my credit is # XXXX. I have sent disputes since XXXX XXXX and to this date, I have not received a proper response as to why they are making this mistake on my credit. The worst part is, I have already called this creditor company and they can not find my information in their system. They are telling me I need to dispute this account with the credit bureau in order to have this fixed.
Consumer complaint received 2022-09-08
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. (NY)

XXXX XXXX  Account Number : XXXX I recently disputed a item on my credit report. I asked the credit bureaus to verify the account and do a full and proper investigation. However they wrote back and said the account was accurate and they did a proper investigation and closed the account. However after doing my research I found inaccurate information. Which leads me to believe there was no proper investigation done. 

In accordance with fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-08
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)

XXXX XXXX Account Number : XXXX I recently disputed a item on my credit report. I asked the credit bureaus to verify the account and do a full and proper investigation. However they wrote back and said the account was accurate and they did a proper investigation and closed the account. However after doing my research I found inaccurate information. Which leads me to believe there was no proper investigation done. 

In accordance with fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a rights 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 2017-12-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX, 2017 CHASE BANK WAS NEGLIENT IN PROCESSING MY LOAN MODIFICATION I SENT THE DODD-FRANK FORM IN 6 TIMES, IN THERE XXXX XXXX ENVELOPE AND EVERYTIME THEY WOULD SEND ME A LETTER STATING THAT THEY DID NOT RECEIVE IT. 

THEY LIED THIS FORCED ME TO SHORT-SELL MY HOME THEY ACTED IN BAD FAITH
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (TN)

I believe I was a victim of the Equifax security breach. I believe someone used information from my Equifax credit report to apply for and open several bank accounts. They also were able to obtain my banking information and were able to obtain an card linked to my money market savings account. The used this card to charge over {$10000.00} in international charges and transferred over {$4000.00} to an international account. Also, a Change Of Address form was initiated with the USPS.
Consumer complaint received 2022-09-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EdFinancial Services (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2019-03-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Santander Consumer USA Holdings Inc. (CA)

In XX/XX/2015 I leased a XXXX XXXX ( three-year lease ) and received financing from XXXX XXXX I set up automatic payment for all payments. 

Recently, they are claiming that I have one remaining payment. I asked them numerous times to send me via US Mail or email a copy of the statement -- especially as there are other charges ( disposition fee, and wear-and-tear ). 

They told me they would send via certified mail the statement, but I have not received anything yet. In the meantime they are harassing me with unlimited telephone calls demanding that I pay. I believe I have a right to a paper or PDF copy first.
Consumer complaint received 2022-02-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

I contacted credit bureaus and also Portfolio in both XXXX and XXXX disputing a debt that appeared on my credit report. 

I asked for validation of the debt, because I believe it to be identity theft. I lived with a woman in XXXX that had access to my mail and could have lent to any charges. I already had illegal accounts made by XXXX XXXX as well, with XXXX. 

I received notices from Portfolio without any proof of ownership, including statements, original ownership of account information, contracts, etc. 

I have gone through this multiple times now, and they refuse to delete from the credit reports.
Consumer complaint received 2019-10-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Marvin S. C. Dang, LLC (HI)

**THIS IS NOT A DUPLICATE COMPLAINT** -- Friday, XX/XX/XXXX at XXXX approximately. I called Marvin Dang Attorneys to talk about all the research that we have been doing this year in regards to my XXXX XXXX XXXX XXXX account ending in XXXX. Last correspondence to me through CFPB ( this website ) The attorneys at Dang 's office indicated I owed {$340.00}. I want to pay it today, but they say they need to do more research. I would like the amount of {$340.00} to be paid immediately, yet they need to do more research? Why can I not pay this amount and be done with this? The account according to their correspondence with me on XX/XX/XXXX through this site says that they would " accept payment of {$340.00} under previous terms to settle this matter in full ''?
Consumer complaint received 2017-07-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

I resided at XXXX XXXX dorms from Fall XX/XX/XXXX to Spring XX/XX/XXXX and left afterwards In XX/XX/XXXX, my wallet was stolen ( contents included Social Security number, Drivers license, Bank card, medical card and state ID. ) Police report was filed and credit bureaus were alerted for potential fraud issues XX/XX/XXXX, I began to receive letters from FCO collections agency stating that I owed a balance of {$6200.00} from the XX/XX/XXXX school year, 4-5 years after my departure from the area. <P/>Today, I contacted theXX/XX/XXXX in regards to the matter and it was made known to me that another person has a similar name to my own. I disputed the account on my credit report as well as sent an email to FCO. Also called the service accounts department to alert them of this matter.
Consumer complaint received 2017-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

XXXX XXXX XXXX did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus. 
Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ).
Consumer complaint received 2017-10-02
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. (NV)

Fair Credit Reporting Act Willful Non-Compliance, Willful noncompliance with FCRA Disputed Accuracy Section 611. FCRA Rules allow {$1000.00} per violation. EQUIFAX failed to respond twice within 30 days to letters sent in response to inaccurate contact information on my credit report.
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Last year we had an issue with Transunion not updating loan information. I disputed it and finally had to file a complaint with Consumer Finance. The issue was corrected, however, it is a joint account and we have noticed that the information did not get corrected on my husband 's Transunion report. I 've contacted both, Transunion as well as the bank. Transunion stated that they did n't change information on reports and the bank stated that the information being reported correctly on mine is the same information being reported on my husband 's report.
Consumer complaint received 2017-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc. (NC)

On XX/XX/XXXX I was seen at XXXX XXXX XXXX who sent off a XXXX XXXX XXXX XXXX XXXX to XXXX XXXX, I myself paid my bill at XXXX XXXX XXXX on XX/XX/XXXX but XXXX XXXX failed to send me my bill for the XXXX XXXX. I did not know anything about the XXXX bill so they decided to send it to SCA Collections in XXXX of XXXX. I have just now found out about this in XXXX XXXX when my bank ran my credit for me in order to do a car loan. I immediately called SCA Collections on XX/XX/XXXX and asked what my collection was about and why I never received anything in the mail, they informed me to call XXXX XXXX ( when I did they originally had my address wrong along with the spelling of my name ) I then called SCA back and they also had the wrong address and name. By that time I called XXXX XXXX back to see if they could figure out anything for me and they told me they do not keep records in there facility and that they would have to do more research and contact me back. I took a day or two to see what they found out and they told me they could not give me information other than the fact I was seen in their office and the lab was sent off. I called XXXX XXXX back and asked them once again why I did n't receive a bill and they told me they had sent bills out from XXXX XXXX to XXXX XXXX, once again I informed them I had never received a bill. After going back and forth with both facilities I decided to call SCA to see if I paid the bill if it would come off my credit and they have stated that I would have to wait 30 days. I am not willing to wait 30 days for something I never knew about so I called XXXX XXXX back and gave them the information where I paid off the Collection Agency and asked if they could call their collectors to get it off, they rudely informed me there was nothing they could do and that it would take 60-90 days before anything could be done ( Does n't add up to the collection agency saying 30 days ). None of these companies have been willing to help me out knowing I have never received any statements or phone calls about having a debt.
Consumer complaint received 2019-10-26
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: EQUIFAX, INC. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Subject : Formal Complaint Against Wells Fargo for Fraudulent Activities Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Wells Fargo regarding fraudulent activities that have occurred with my accounts. This is a recurring issue, as I previously received a settlement check dated XX/XX/year>. Unfortunately, the recent incident involving the fraudulent opening of XXXX accounts and unauthorized enrollment in services like XXXX credit protection and XXXX has left me deeply concerned. 

I did not provide consent for these actions, and this breach of trust by Wells Fargo has resulted in both emotional distress and financial damage. The {$31.00} check issued in response to this issue is insufficient to address the extent of the harm caused. I am seeking immediate resolution of this matter and fair compensation for the emotional and punitive damages incurred due to Wells Fargo 's illegal and criminal behavior. 

This continuous pattern of unauthorized account activities is unacceptable, and I urge the Consumer Financial Protection Bureau to investigate and take appropriate actions to hold Wells Fargo accountable. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2021-02-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

A person used my identification to visit several hospitals to try to get pain medication. A police report has been filed in XXXX to where the matters supposedly occurred. It is an amount of XXXX dollars from XXXX XXXX XXXX. The collection company is Wakefield and associates. I need this item removed immediately
Consumer complaint received 2018-03-23
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FM)

Rushmore Loan Management Services, currently has my home loan and during Hurricane IRMA I was contacted and informed that I am eligible to skip 3 months on payment and that the 3 months payments would be placed in the back of my loan. After speaking the representative I asked repeatedly will this effect my credit, the Rep stated that it would not because of the Hurricane Irma and Fema. They even stated that because I was setup on auto pay they will remove me of that for now and I would have to call back in XX/XX/2017 to get the auto pay back up. But about a month later I started getting mail about loan modifications and late pays, so I called the lender and they stated not to worry about the letters its systematic letters they have me under the program until XX/XX/XXXX. Now just a few weeks ago I went applied for a home equity loan and was told that my lender is show me past due on my payments. I called the lender to correct the reporting and to send me a letter. I have not heard from them or received a letter regarding my payments.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NY)

This specific XXXX/XXXX ( Account # XXXX ) credit limit of {$500.00} was once deleted on all three credit reports ( XXXX, equifax & XXXX ) and now i see that they are back. Please delete This specific XXXX/XXXX ( Account # XXXX ) from all three bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having This specific XXXX/XXXX ( Account # XXXX ) removed from all three credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance!
Consumer complaint received 2019-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Experian refuses to remove 4 bankruptcies on my report. I have sent the 4 notarized dispute letters. Also the jurisdiction the bankruptcies were filed in is out of my jurisdiction. The zipcode is wrong also. My zipcode is XXXX the zipcode the were filed under is XXXX and they refuse to remove it. I have been working on this since XX/XX/XXXX of last year and the a refusing to move it.
Consumer complaint received 2018-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (PA)

In XX/XX/XXXX we received a notice in the mail stating that our monthly payments would increase by {$480.00} due to a deficit in our escrow account balance. Because no increases had been made to our taxes and our loan is 3 years old, I pulled up our escrow account activity to see what was going on. 

In reviewing our escrow account activity, I identified two identical payments of {$2700.00} ( total amount {$5500.00} ) made one week apart in XX/XX/XXXX. These amounts do not coincide with any tax bills ( County, Township or School ). I called all three offices to inquire about these payments. No one has any record of receiving these payments or a refund being sent out ; nor do they match any tax bills. In fact our taxes had been paid in XX/XX/XXXX prior to these XX/XX/XXXX payments. I originally spoke with someone from Flagstar back in XX/XX/XXXX ( and even put additional funds into our escrow account in XX/XX/XXXX ) while they figured out where those payments went and returned them to our escrow account. 

I have continued to call and email since the beginning of the year and have not gotten any answers. As of today, we were told that they can not identify where these funds went. With computerization where it is today, there is no valid reason that Flagstar should not be able to track these payments and get them placed back in our account. With children in college, an additional monthly payment is a hardship for us. 

At this point our escrow account is at a deficit of {$5200.00} ( almost identical to the double payments made in XX/XX/XXXX ).
Consumer complaint received 2018-03-23
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. (GA)

I have been disputing with the Bureaus over the phone and in writing since XX/XX/2017 to remove inaccurate information from my credit file as it is hurting my credit and I am unable to secure a job in the XXXX XXXX due to the inaccurate information being reported. I keep getting the run around and no where with the bureaus. They keep updating information that is not mine or does not pertain to me even after I have sent them documentation showing who I am.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Date Opened : - XX/XX/XXXX XX/XX/XXXX Balance : - {$20000.00} {$20000.00} No. of Months ( terms ) : - 72 Months Monthly ( due every month ) High Credit : - {$24000.00} - Credit Limit : - - - Past Due : - - - Payment Status : - Charge-off Last Reported : - XX/XX/XXXX Comments : - CHARGED OFF ACCOUNT Date Last Active : - XX/XX/XXXX Date of Last Payment : XX/XX/XXXX THIS ACCOUNT DOES NOT BELONG TO ME, COMPANY DID NOT PROVIDE PROOF OF VALIDATION OF ACCOUNT OR VERFICATION OF DEBT AND PROOF OF OWNERSHIP
Consumer complaint received 2017-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

My last visit to XXXX XXXX I was told in an inadvertent way that I should make a small purchase once per year or the store will close my credit account. I thought about what the lady said and the next day I call to discuss and I asked the customer service person to confirm if what the lady was stating was true. The last confirmed it to be true. I said I might as well cancel, if I am going to be forced to something. They reported on my credit that it was closed by the store and it was not. My credit score was affected, which caused me to receive a slightly higher rate on my auto loan. Can you please assist with the matter. Thanks
Consumer complaint received 2017-10-02
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. (CA)

In XXXX, I opened dispute with Experian regarding inaccurate information on my credit report for a XXXX trade line. In XXXX, the trade-line was deleted. Seven months later the trade line is back on my credit report after it was deleted.