davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 : also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-11-01
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: EQUIFAX, INC. (SC)

Equifax XXXX  and XXXX XXXX XXXX sent this letter with all the other letters that Ive submitted on this portal. Still XXXXXXXX XXXX   afforded NO CONTRACTS BEARING MY SIGNATURE obligating me to pay the debts they are reporting. Still has not placed notice of DISPUTE on my Equifax and XXXX and XXXX  file within 30 days violations of the FCRA. The Attached Documents are LEAVING THE DECISION UP TO YOUR BUSINESS to do the right thing and remove this inaccurate and unverified information from my CR. Thank you for your considering my request.
Consumer complaint received 2018-03-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I am in a bankruptcy and I sent in authorization three times and each time Wells Fargo says that they did not receive it and then refused to check the date that it was sent in when I looked up the confirmation. The dates that authorization to speak with my bank were sent in on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 2018 and they still purport to having not received it so that I can not check on the status of the modification that I sent in until the documents have expired. My modification full and complete application was sent in on XX/XX/2018 to the Wells Fargo Fax and was confirmed to have been received on XX/XX/XXXX when I called in to check the status of my application.
Consumer complaint received 2021-03-02
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. (CA)

I HAVE SENT OUT MULTIPLE DISPUTES REGARDING FRAUDULENT INFORMATION ON MY CREDIT REPORT. THE LAST DISPUTE I SENT OUT WAS XX/XX/2021. THERE HAS BEEN ZERO RESOLUTION TO MY CREDIT REPORT AND I UNDERSTAND THAT WHEN CLAIMING ID THEFT AND FRAUD THE BUREAUS ONLY HAVE 4 BUSINESS DAYS TO REMOVE THESE ACCOUNTS. ITS BEEN MONTHS AND NOTHING HAS BEEN SOLVED. I AM VERY DISSAPOINTED, THIS IS HINDERING MY ABILITY TO BUILD MY BUSINESS, I AM STRUGGLING FINANCIALLY AND THIS ISNT HELPING. PLEASE HELP.
Consumer complaint received 2021-03-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX and even though 2 bureaus stated they would begin the investigation and forward me the results, I STILLl have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2021-11-29
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX  days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I have submitted a dispute with the following company and have not received my desired results. Please see my attached documents and have the companies remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove, one, I gave them permission to furnish and, two, prove I was clearly giving an opportunity to opt out of reporting in which the law allows if non-public information is being furnished.
Consumer complaint received 2021-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (FL)

I recently reviewed my three credit reports for the first time in years. All three show a collection against me by a company known as : MRS BPO. they are attempting to collect a debt from me from XXXX XXXX in the amount of {$1800.00}. First, I have never been contacted by either MRS BPO nor XXXX Mobility by mail, phone or otherwise. Second, I have never had an account with XXXX XXXX. XXXX calls from me to MRS BPO resulted in them just trying to get me to settle. I asked for proof of this debt, they can't! I file disputes with all three credit bureaus, and was declined, apparently due to lack of cooperation by MRS BPO. Their address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Phone # : XXXX or XXXX. My acct # XXXX. This is someone else 's account, not mine nor any family member 's. Thank You. Possible identity theft?
Consumer complaint received 2021-07-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

To Whom this may Concern First of all please forgive me about my righting skills and spell, I'm dyslexic, Sorry about this.

any ways, I desperately asking that XXXX  Equifax and XXXX  credit burues take a long and hard look at my credit report payment history.

i'm sorry but I fel that i'm being treated very unfairly here. I'm XXXX years old and been at my current employer for over 15 years.

I was brought up as a kid to be very reasonable, if you owe someone money you pay them.

but anyways to the subject here regarding ( XXXXXXXX XXXX XXXX XXXX ) I been a customer of there's for over 3 1/2 years, I had great payment history with them, never missed a single payment, i beg you please look at my account with them you'll see for your self, then the huge pandemic happen, and i feel into the ground, not only with this creditor but others as well because of being laid off, and XXXX XXXX XXXX but as soon as i started working again, I contacted the creditor directly and sent them sevral letters explaining what had happen, they stated they due what they could and thats it.

will nothing i've disputed this with all three credit bures and nothing is happening.

I'm desperately asking for forgiveness here, I don't desver to being thorn in the ground like this with my credit score or credit report, I'm a good hearted XXXX XXXX. 

I contacted the creditors and payed them all in full. I owe a {$0.00} balance on all of theses accounts. Why in the heck would ive payed all theys accounts if i was just being a losser.

no thats not how i was rased. They even had offered me a settlement offer, I choose to pay what i owed includeing all late payment intrest and everything.

Please I beggeing you all to take a strong look at this and give me a little leanaly, Im truely a good guy, pleaee help me with this pleae
Consumer complaint received 2018-11-16
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: EQUIFAX, INC. (CA)

I requested several times that the reporting company verify the accuracy of the information disputed by did not cooperate..The accounts in question have nothing to do with me..Please step up CFPB and take the necessary steps to remove the accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

I recently filed a complaint that was closed by Mr. Cooper. In their response Mr. Cooper lied to this agency and by default to us once again. 

Mr. Cooper and XXXX XXXX have systemically lied to us in what seems to be an effort to drag this out to a foreclosure date. 

Even after Mr. Cooper responded to a previous complaint we received documentation from Mr. Cooper XXXX XXXX XXXX ( XXXX XXXX XXXX in her email address ) refusing to supply us with the information we requested. Her email reply and XXXX reply do not include the very specific documents we requested. ( Attachment : XXXX XXXX XXXX XXXX ) and ( Attachment : XXXX  ) In fact Mr. Cooper employee, according to XXXX XXXX, lied to us. She very, VERY clearly stated XXXX XXXX OWNS our loan. She has repeatedly used the word own in replies to us AND to this agency. This is a falsehood. ( Attachments XXXX and MrCooperXXXXr ) We sent an email making it very clear what documents we were looking for yet XXXX did NOT provide the correct documents. 


Attached you will see her documents stating XXXX XXXX OWNS the loan AND documents showing XXXX XXXX denying they OWN the loan. 

Mr. Cooper will claim she misspoke but it is in several correspondence from employee XXXX XXXX. 

Mr. Cooper has engaged in this type of fraud and deceit for years causing both mental health and physical conditions to deteriorate for myself and my mother and they should be held responsible. 

The loan is predatory originating from XXXX in 2006, we have paid an estimated {$130000.00} on an {$80000.00} loan and they want {$66000.00} more. Mr. Cooper has failed to provide documents as requested. Repeatedly.
Consumer complaint received 2021-03-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO. (NY)

In XX/XX/XXXX, after persistently being asked by XXXX XXXX Ford of XXXX to have my lease ( mid thru term ) appraised so they could buy it for their used car lot, I decided to do so. I made an appointment with the dealership and brought my car in and sat down with a sales rep to do paperwork. It was a snowy day and he didnt even want to go outside to look at the odometer to get the miles. I went outside and reported the miles to him and then he wrote up an odometer statement we both signed. He said thats it for now. Someone else would be in touch with me from the dealership. I asked a few times if that was all the paperwork I was getting at this time regarding the appraisal and he said yes, someone else would do it and get back to me. I left XXXX Ford XXXX Lease and my son drove me home. 
The next letter I received was a blanket appraisal from an outside company on the car. The next letter was from Ford regarding my voluntary surrender with repo fees, auction fees, etc ... ..and I immediately began to call because I knew they screwed it up. Ford offered zero help except to send me a contract done by XXXX XXXX Ford of me surrending the car-and I never signed it. It specifically states lessee needs to sign. I called the dealership many times and spoke with the GM XXXX XXXX who said someone at Ford told him my car was out for repo for months and that was not true. I went back to Ford and confirmed that was not the case and gave Ford permission to talk to XXXX to tell him that and then called XXXX and let him know I gave permission to have him get the true details on the lease from Ford. XXXX has not called back and Ford is demanding $ XXXX in balance from me. This is not my fault. The dealership screwed up and needs to fix this and my credit report.
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

i seen my credit report and equifax closed my account without my consent.i never ask them to closed it and it is against the law.i have letters of me disputing with them.It has affect my credit score that i can not attain credit.
Consumer complaint received 2022-10-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (TX)

I have been trying to get a lien release on a Home Equity Line of Credit from XXXX originated by XXXX XXXXXXXX XXXX. The loan was sold to XXXX XXXXXXXX XXXX  from XXXXXXXX XXXX XXXX  ( who acquired XXXX XXXX XXXX XXXX on XX/XX/XXXX. The loan has been paid off for many years and apparently the Bank did not do a Release. According to the FDIC, Citibank aka Citi Mortgage acquired XXXX XXXX XXXX We have attempted to get a lien release from Citi and they are saying they can not find any information. Both the trustors on this Deed are deceased. I am the Executor/Trustee for my parents ' estate. The property is currently in escrow and is scheduled to close on XX/XX/XXXX.
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (AZ)

I used my coinbase wallet to store a cryptocurrency called XXXX XXXX I was storing XXXX XXXX  worth at the time {$1400.00} USD. Sometime yesterday someone transfered in roughly XXXX worth of etherium then transferred all of my shib out of my wallet. I have it set up to request a pin sent from coinbase to my phone for transfers out of my wallet. No requests were made or received. I have pictures of the wallet addresses that were involved. I suspect it was a coinbase employee.
Consumer complaint received 2020-09-23
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: EQUIFAX, INC. (AL)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Equifax Credit Information Services , XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It XXXX Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) 2. ( XXXX XXXX XXXX & XX/XX/XXXX ) 3. ( XXXX XXXX XXXX XX/XX/XXXX ) 4. ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX This is my second request as I contacted the company and I did conpanies telling me to contact the credit bureau. I am going in circles & need this information deleted!!!!!
Consumer complaint received 2022-08-07
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. (FL)

In Accordance with the Fair Credit Reporting Act the following accounts XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights : 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-02-14
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. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$6200.00}, XXXXXXXX XXXX XXXX Balance : {$3600.00}, XXXX XXXX Balance : {$6200.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

I had my Wells Fargo credit card stolen from me and fraud committed on it. I have left several complaints and it hasn't been resolved. I filed a police report in the matter when the fraud was first realized as well. Wells Fargo isn't working with me in any way. Two weeks ago when I checked on my account with Wells Fargo is was closed with a XXXX  balance. Now I just recently checked on it because I see my credit score has dropped by 25 points and Wells Fargo reopened the account at a negative balance cause of the fraud amount. THIS IS 100 % FRAUD and I made a police report and reported it with Wells Fargo right away. It was my impression that I'm not responsible for Fraud yet when I spoken to Wells Fargo directly they say that YES I am. This is not right. I been a loyal customer for years and they are treating wrong here and from my knowledge unlawfully. This is FRAUD and I did not give anyone permission to use my card. It was stolen from me and it was reported as such
Consumer complaint received 2021-03-02
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: SLM CORPORATION (CA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020
Consumer complaint received 2018-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc. (GA)

I sent a letter to Client Sevices Inc requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. This delinquent information is still reporting on my credit file and I am asking for it to be deleted from each credit bureau.
Consumer complaint received 2018-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED BANKSHARES, INC. (OH)

On XX/XX/2018 at XXXX, XXXX XXXX from XXXX XXXX called from phone # XXXX and called my cell phone at XXXX and my other cell phone at XXXX. XXXX left a voicemail on my XXXX number at XXXX. He was calling in regards to an overdrawn account. Federal law prohibits such calls before XXXX. XXXX XXXX ( located in West Virginia ) and my residence ( located in Ohio ) are in the eastern time  zone. I can provide proof of call logs and voicemails upon request. I am sure XXXX XXXX keeps and records calls as well. 

Below are the guidelines businesses must follow per the FCRA. 

Prohibited Collection Practices Call you before XXXX XXXX or after XXXX XXXX, based on your time zone Call you at work, provided the debt collector is aware your employer doesnt approve of these phone calls Harass, oppress, or abuse you Lie to you or falsely imply that you have committed a crime Use unfair practices in an attempt to collect a debt Conceal his or her identity on the phone Disregard a written request from you to cease further contact