davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
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: ERC (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Enhanced Recovery Company , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) ,15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Consumer complaint received 2021-11-23
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)

Hello I was looking at my credit to see if I can go start looking for a new home. I see some accounts on my credit that I honestly dont know anything about. I hope that you all can help me with this. You all help XXXX of my friends that this also happened to. I was told to file and compliant with the FTC and I did. I doing this on my own behalf and need some help. Im asking for you all to remove the accounts off my credit XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AZ)

XXXX XXXX XXXX XX/XX/XXXX {$250.00} IN COLLECTION ON REPORT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX PAID Both of these should immediately be taken off my credit report as this loan was paid, the school XXXX  forgot to add this to my XXXX XXXX, and finally called me after many years for {$250.00} in which I paid and they stated it was NOT a hit on credit report. Please remove. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Reported Account Closed {$2400.00}. Way over XXXX years on report, should be removed. It is now XXXX this is past XXXX years this should be removed off credit report.
Consumer complaint received 2021-09-21
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. (ID)

On XX/XX/2021 I requested that an investigation be completed and verification be provided to me on several accounts. I was not provided that information within 30 days. The Fair Credit Reporting Act states that verification must be given to me that the information is correct on my report. Not simply an agent saying verified. The documentation must be supplied according to law. The accounts in question are : XXXX XXXX XXXX Idaho XXXX XXXX XXXX : XXXX . 

Under the FCRA Section 616/617 unverified information must be deleted immediately. FCRA 609 ( a ) ( 1 ) ( A ) Documentation is required to include a signed contract with my signature, and all account documents.

FCRA 611 ( 5 ) ( A ) States that without proper documentation these accounts must be deleted immediately. 

I have already been violated. Let alone this character defamation with these reports they couldnt confirm and now I have to carry around derogatory remarks that have lead to denials effecting my everyday life and creditworthiness.
Consumer complaint received 2022-08-03
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)

In accordance with the fair credit reporting act, XXXX XXXX account # XXXX ( Phone XXXX XXXX ) 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 a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-16
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. (MI)

In accordance with the Fair Credit Reporting act Convergent Account # XXXX Total XXXX THE 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 a account without my written instructions
Consumer complaint received 2021-11-23
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. (FL)

This is XXXX XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau lastime. And now we are in the late month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2800.00}
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

The debt is not mines, I already tried to fix this problem with the company ( Transworld Systems Inc. ). Transworld Systems Inc. at XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX has been sending me collection notices in the amount of {$2700.00} and has been reported as past due. I do NOT know this company. I have NEVER done any business with this company. This company does NOT have a contract with my signature.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MD)

CITI BANK IS ILLEGALLY RE AGING THE ACCOUNT THAT WAS OPENED IN XX/XX/XXXX AND FIRST DELINQUENCY WAS IN XXXX NOT XXXX AS REPORTED TO STAY LONGER ON MY CREDIT REPORT. 
I HAVE CONTACTED THEM AND THERE IS NO RESPONSE.
Consumer complaint received 2021-11-23
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. (FL)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-11-23
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. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau from XX/XX/XXXX to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my XXXX Credit Report. That means Equifax failed to comply with the Fair Credit Reporting Act law which states that the XXXX should provide to the client 's requests. Here is the concerned account : XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX
Consumer complaint received 2021-11-23
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. (FL)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them letter last XX/XX/XXXX for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. KINDLY REMOVE these accounts that are still reporting on my account : XXXX XXXX XXXX XXXX*****Opened Date : XXXX XXXX, XXXX Balance {$1000.00} XXXX XXXX*****Opened Date : XXXX XXXX, XXXX Balance {$1800.00}
Consumer complaint received 2021-11-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC. (TX)

On TXXXX XX/XX/2021 at XXXX, and on another occasion I cant recall because the call list on my phone has erased due to so many spam calls, I asked the scam company to stop calling. I have a XXXX phone that has the app called XXXX XXXX that tells me the number they are calling from is a scam. The company is called AFNI and they call everyday, sometimes XXXX times a day. I want them to stop calling and harassing me when I have told them at least XXXX never to call me again. Please make these scammers stop the harassing phone calls.
Consumer complaint received 2021-11-23
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: Rocket Mortgage, LLC (NC)

While reviewing my XXXX credit report, I noticed that Quicken Loans made a credit inquiry on XX/XX/2021 without my explicit or written consent. I was researching the mortgage rate during that time and fill up their online form to get an idea of the generic ballpark rate. Their online form didn't clearly disclosed that they will run my credit if I fill-up the form, nor have I given any explicit permission to run my credit.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (NE)

I received a notification through pop money on XX/XX/21 @ XXXX that {$200.00} deposit was made to my bank of the west account. I had been watching my account daily that week bc it was low & I knew they hadnt given me the credit for that deposit on Friday. On XX/XX/21 I went into my account to check the balance shortly before XXXX in case I needed to deposit funds to cover. It showed balance of {$28.00}. The next morning I wake up to a notification that I was charged a {$35.00} fee. The worst part is not only did it never drop below {$28.00}, but they were still holding that {$200.00} electronic transfer from XX/XX/XXXX when they charged me {$35.00}. They finally gave me credit for the {$200.00} on XX/XX/XXXX. The person that sent the transfer said the money left her account on XX/XX/XXXX so not sure where it was those 5 days? I asked XXXX to provide a printout showing my account with the negative balance ( bc even he admitted the account never went negative ), but since I was upset w them & finally yelled bc XXXX refused to return the fee-he refused to give me a printout and lost his cool & kept saying that he was just going to get a cashiers check and close my account. I tried talking to the senior service officer who informed me by mail my account will be closed on the XXXX and she cant provide me with a print out showing where it went negative either because she said it was something behind the scenes. Well how am I supposed to correct some thing if I look and my account doesnt show any issue? This same exact situation happened to me about a year ago & even though it was an error on the banks part just like this? They refunded the fee but put it as a one time courtesy to me. I told her thats great bc then if I ever really need the courtesy it looks like I have already received the courtesy when it was simply their mistake.
Consumer complaint received 2021-09-21
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021
Consumer complaint received 2021-09-21
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: EQUIFAX, INC. (PA)

Over the past 6 months, my credit has been ran for a number of different companies. I do not have any credit or checking account ties to any of these companies. I called Equifax a number of times to have this information removed with no luck. At this point, these items are disturbing my finances and ability to obtain accounts. I including a list of inquiries that I would like removed from my credit report.
Consumer complaint received 2021-09-21
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: EQUIFAX, INC. (FL)

I'm in the process of trying to clean up my credit report. 

I've disputed a few collection accounts initiated in XXXX of this year. Both the debt collector and ( Equifax and XXXX ) are reporting that the dispute has been resolved but neither company can tell me what information they have on file to show that these are true statements. 

I had a hard inquiry placed on my file by a car dealership without my permission.
Consumer complaint received 2022-12-26
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (CA)

I have not found a XXXX XXXX for Credit Acceptance nor XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  requires the licensing and regulation of finance lenders and brokers making and brokering consumer and commercial loans, except as specified ; prohibits misrepresentations, fraudulent and deceptive acts in connection with making and brokering of loans ; and provides administrative, civil ( injunction and ancillary relief ) and criminal remedies for violations of the law. 

Only active license Credit Acceptance have is out of state non in California state as required by law.
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

My mortgage was with Wells Fargo Home Mortgage. During the pandemic they offered me XXXX, 3 month Payment Deferrals I have the XXXX letters from Wells Fargo Home Mortgage detailing the deferring of XXXX payments ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and then a confirmation letter of XX/XX/XXXX, confirming that then interest and principal payment defer of the XXXX payments was moved to the end of the loan. Wells Fargo Mortgage only deferred XXXX of the payments, and when I would call because my monthly statement showed that I was behind in my payments I was told that " they could see that the deferment was still in process and it takes time. 
For the first XXXX months of XXXX, I was attempted to straighten the issue out with Wells Fargo Mortgage, with no straight answer, having me fill out loan preservation applications, unanswered emails and phone calls not being answered. 
Wells Fargo Home Mortgage sold my loan and the servicing of my loan to XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX of XXXX. 
Since then Wells Fargo and XXXX XXXX have given me XXXX different answers on why the deferment didn't happen. Their answers in " quotes '' XXXX " The deferment process did happen '' with a paragraph that is just listing off the account entries, showing XXXX but not XXXX payment deferrals. 
XXXX CFPB policy changes and investor policy guidelines won't allow all the payment deferrals because In was behind in my payments XXXX I didn't get my " Payment Assistance application didnt qualify because I didnt submit by XX/XX/XXXX my XXXX most recent payment stubs. Even though the date of the letter that I needed to submit the paystubs was on XX/XX/XXXX gave me until XX/XX/XXXX, and XXXX sold my mortgage on XX/XX/XXXX. 
XXXX That the second XXXX month payment deferral was actually a " payment suspension '' and had XXXX had no obligation to defer payments. 
As a result, XXXX servicing is threatening foreclosing on my mortgage, they won't let me make a payment because I am more than XXXX days behind. 
I can make up {$10000.00} worth of payments. XXXX made a promise of relief during the pandemic, I took them up on that promise and planned my family finances accordingly, it is wrong for them to not fulfill that promise.
Consumer complaint received 2022-04-16
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. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} o XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$810.00} o XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX Date XXXX o XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Date Opened : XX/XX/XXXX o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} EQUIFAX : o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} o XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$810.00} o XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date XXXX o XXXX XXXX A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX o XXXX XXXX A ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}