davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS I AM VICTIM OF FRAUDI am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-10-22
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. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 60 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 2021-10-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (PA)

in XXXX this year I attempted to start a new payment plan with Ally financial in regards to my vehicle loan I informed him clearly that I just started an appointment and I was waiting to be paid and I didn't know the estimated time but knew that there may be a long wait process. They agree to except XXXX gor the month of XXXX down and another XXXX to start the new agreement. less than a month later in XXXX they re-put my car by the deceptive practices I had to pay another {$2000.00} to get my vehicle out which would've caught me up for the month of XXXX because that would've been based on plan a out of been completely caught up. so I called and asked him for help and I want up forking out {$2800.00} so now this takes us into by the time I get my check I called him to try to settle up which is XXXX XXXX months after the initial application for unemployment benefits. Never disputing that I owe the money I told him I'm arranging to pay I wanted to know which payment plan on one they had to do their own internal investigation because they couldn't tell me which payment plan I'm on but they gladly locked me out the system so I can not access my financial records and see where my monthly payments were at nor where my current payments were being disbursed. they wanted me just to take their word for and run to XXXX now mind you to pay which is not the normal way to pay so because of all the fraud that's going on of course I'm investigating this myself they come out and repo it a second time and tell me I owe the remainder of the amount which is {$10000.00}. They stated that I didn't send the initial application back from XXXX yeah I never got any paperwork I never got any paperwork from them until they already repeat repeat my car I have a whole bunch of Ally paperwork now flooding through my door. their workers were deceptive and they even charged my mom 's credit card additional in XXXX which means they were calling her and harassing her for the money yet when I call them nobody knows or can answer my questions. I did report them to the Attorney General I contacted the FTC and the XXXX XXXX XXXX XXXX  or something and now I'm looking into a lawyer because I'm technically on welfare right now .I signed up for XXXX to try to increase my credit score however due to these days at the practices my vehicle was sold at auction and there's now harassing me I get phone calls every day told me I owe that money because they sold my vehicle and I told him they're gon na wait till I talk to a lawyer. and I'm a XXXX so by this time I can't even get to work and my kids I've been walking them to or from school. He calls me emotional suffering and find a more financial burden because looking for a job and obviously changes how I can work
Consumer complaint received 2021-10-22
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about 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, 15 USC Sections 1681i 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-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-06-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

On or about XX/XX/XXXX, Wells Fargo Home Mortgage illegally foreclosed on my property and did not follow protocol. First of all child support began XXXX of XXXX, around the time that I saw the Texas Attorney General. At that time we were instructed to officially file for divorce to settle the property we owned located at XXXX XXXX XXXX XXXXXXXX, Tx XXXX. Because Texas is a community property state where common law marriage is recognized the coborrower was my spouse. My security instrument and deed clearly include The GarnSt Germain Depository Institutions Act of 1982 clause. Therefore what Wells Fargo Home Mortgage did was illegal and the act also states that the granting of a leasehold interest of three years or less provided the lease includes no option to purchase also protects against foreclosure. There was an automatic renewable lease filed of record with the county XX/XX/XXXX. So the foreclosure that occurred should have never taken place..
Consumer complaint received 2021-06-28
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)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, I am the only one that can validate this debt, therefore I do not validate this debt and the following accounts must be deleted from my report. 
XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2021-06-28
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. (IN)

During the pandemic last year XXXXXXXX XXXX  put on their website that they were allowing all clients to make late payments on mortgages and personal loans and they would not report to the credit bureaus as long as they were not 90 days past due. 

In XXXX and XXXX of 2020 my ex-husband paid the mortgage late. It was maybe XXXX days late. It was not 90 days late. Yet, XXXX still reported it to the credit bureau even though they had stated they would not report it. I have called, I have sent letters with no response, and I have filed multiple disputes with the credit bureaus. Nothing has been done about this except XXXX changing on one of the credit reports that instead of paying late in XXXX and XXXX that I paid late in XXXX and XXXX.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit card account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2020-11-30
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: ALLY FINANCIAL INC. (GA)

Ref account number XXXX ALLY Finance. This vehicle was total in XX/XX/XXXX, last payment made was in XX/XX/XXXX. This account is outside of the 7-year threshold. Also note this account was paid, however it shows active payments throughout XXXX, with a charge off in XX/XX/XXXX. This account also shows late payments in XXXX ( 30days late ) XXXX ( 60 days late ) and XXXX ( 90 days late ) in XXXX. 
Kindly note, each investigation, results in additional inaccuracies. This account continues to adversely affect my credit rating because of the numerous negative inaccurate changes. XXXX  continues to publish this report, with zero effective investigation.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Im requesting help with the inaccurate account thats appearing on my credit report. The situation has impacted my reputation, and I need your support to resolve it. Due to the wrong information in my report, my reputation has been ruined. You need to remove this incorrect data from my report immediately.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

This company seems not to be able to report information accurately, do a valid investigation or even understand what is being requested as an investigation vs. something that isn't. I want these items corrected or permanently removed from my credit. I'm tired of disputing these things with them. If they can't do the right thing by correcting or keeping accurate information then they shouldn't be in business & housing personal data! If it's not fixed this time, I'll file civil suit to have the items removed & sue for monetary damages. See attached. 

1. XXXX XXXX - my current balance is not that high! Even XXXX XXXX XXXX XXXX don't reflect this inaccuracy! It's reported by the bank monthly, keep up! Fix it or I sue! 
2. US Dept of Ed loans- now they threw comments on there that I'm disputing the loans making it appear that I have an issue with the creditor! The issue is with the Bureau NOT the creditor! I asked them to remove these as I felt they were XXXX yrs. old & should be removed. They sent a response stating they weren't XXXX yrs. old & would remain on until such time. So that dispute was with Equifax not US Dept of Ed! Why are comments on there to the effect that I disputed something with the creditor??? Remove that verbiage or you will be forced in a court of law to remove all of the accounts on the attachment permanently from my report! You had no business doing that & if you update anything on there to keep them on longer I will sue you for that! That's another stunt you all like to pull thinking all consumers are stupid. The only stupid people I see are all of the bureaus! Fix it or permanently delete all of them! Don't fix them, then lie to the CFPB again & I'll force you to delete them or see you in civil court! 
3. My current physical address ( XXXX ) is shown as a previous address while the previous ( XXXX ) is reflected as the same! My current addresses are the XXXX & the XXXX! Fix it! Last time I intend to bring this up. Next time will be in court!
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANKMOBILE TECHNOLOGIES, INC (WA)

XXXX XXXX keeps rejecting my check deposits for flimsy reasons. Last week it was because they couldnt allegedly verify my check with the issuer and this week it is an incomplete check. 

Those reasons are false as I could cash the same exact money order at another bank without any issue. In fact the deposited images didnt show any issue. 

Can the bank take notice of this poor service? Someone at the bank is not doing their job and the bank is not providing any recourse. The customer support staff just reply with scripted answers and are unhelpful.
Consumer complaint received 2021-06-28
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: The Bureaus, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-08-09
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (OR)

On XX/XX/2021 I received an email saying that my anti-virus provider, XXXX, was deducting about {$250.00} from by bank account for an annual fee. I had just paid XXXX for my annual fee in XXXX, so I called the number in the email to ask them to correct the error. The number I called was not XXXX, as I later found out. The man on the phone asked a number of questions about my bank and debit card to get me my refund. In the process he showed me two crypto-currency dealers ( XXXX and XXXX ) and got my agreement to connect them to my debit card. Four transactions appeared on my bank account totally {$920.00}. When they tried a fifth charge, Chase fraud department sent us an email that my debit card was being used for a suspected fraudulent transaction ( the scammer was trying to put through a much larger amount- {$490.00} ). After I closed the phone call, I called XXXX and my bank. XXXX offered me a discount on next year 's fees and Chase told me that nothing could be done, not even filing a claim, until the charges, which were then " pending, '' went though. I called numerous times over the weekend to Chase, only to be told the same thing : " wait until the transactions go through, then file your complaint. '' The charges finally went through last night, XX/XX/XXXX. I called the Claims department this morning and was told there was nothing they could do and I could call XXXX and XXXX and ask them to put the money back on my account. I am reluctant to call the crypto-currency dealers, XXXX and XXXX, as I do not know if they are legitimate, perhaps even complicit in the theft.
Consumer complaint received 2024-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (SD)

Dear Sirs, My account with student loans XXXX has been mismanaged. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt, my loans will not be cancelled. Moreover, the current servicer is now charging interest on these loans which should be in forbearance. 

My loans have been passed from XXXX XXXX XXXX XXXX XXXX to Mohela to another servicer just a month ago. I am XXXX XXXX XXXX and only receive {$1400.00}. Monthly in retirement. My loans have been passed around in order to confuse me. I was told I should put them in forbearance and that never counted toward PSLF, but my pay was too low to pay the debt just the same. 

Can you take a look at the account this month? I wonder why interest is being added now. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-28
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)

XXXX - XX/XX/XXXX ( I do have a credit card with them that was opened on XX/XX/XXXX ) XXXX  XXXX - XX/XX/XXXX - ( XXXX  XXXX has confirmed this is Fraud - This is not attached to my credit card opened on XX/XX/XXXX ) XXXX  XXXX  - XX/XX/XXXX - This company has confirmed this is a fraud account - but has yet to remove the inquiry.
Consumer complaint received 2021-10-12
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: CITIBANK, N.A. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-12-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (NJ)

Chase, my credit card company, sent my bill to collections in XX/XX/XXXX. The charge off amount from Chase was {$5400.00}, per Chase. XXXX XXXX, the debt collector, stated the amount owed was {$5700.00}, letter dated XX/XX/XXXX. Not knowing really how much the debt was, i made payments to XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all in the amount of {$50.00} per transaction. I was unable to make another payment until XXXX, XXXX. XXXX XXXX is now stating I still owe $ XXXXand that they have no record of receiving any of my first 5 payments. They also can not explain why the amount owed is more than what Chase states I owe. I tried to resolve this with XXXX XXXX, with no resolution.