davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: VW Credit, Inc (NY)

To whom it may/will concern, I XXXX XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Purchase/obtained at XXXX XXXX XXXX XXXX XXXX, NEW YORK XXXX 

Volkswagen Credit was creditor who I was contracted with as Loan Lender. 

I was residing XXXX VA, my primary address at the time of occurrence. I also have a second home in XXXX NY, where my spouse is a XXXX. 
Please note : ****VW credit also has on file - XXXX XXXX XXXX as a second resident I visited every other weekend. Both to be aware and for emergency purposes ****. 

Back in XX/XX/XXXX my car was repossessed In front of XXXX XXXX XXXX, XXXX NY. For non-payment, which I was aware of because I had lost my job at that time. The first time my car was repossessed I paid VW credit almost XXXX XXXX dollars via XXXX XXXX to get my vehicle back, I knew the car was repossessed because it wasnt parked where I parked it at and I didnt owe any tickets on the car. It was repossessed for late/nonpayments. 

Then in XXXX of XXXX, the car was repossessed again in front of XXXX XXXX XXXX. I called VW Credit on XX/XX/XXXX to inquire about my personal belongings and my husband personal belongings that were inside the car and inside my carrier that was on my roof racks. I also need to take my Virginia plates off the car and return them back to the DMV as well as other personal affects, etc.. 

Called Volkswagen credit on XX/XX/XXXX spoke with XXXX and she advised that the only documents that was sent out to me was back in XXXX of XXXX AT MY VIRGINIA ADDRESS.. XXXX from Volkswagen credit provided me with the phone number of the lot where car was located. 
I called the lot and spoke with XXXX and was advised that my personal belongings were disposed on XX/XX/XXXX. 

I since moved back to the XXXX and mail being froward to XXXX address and still nothing from VW credit PLEASE NOTE AS OF TODAY 'S DATE. I HAVE NOT RECEIVED ANY ANY DOUMENTS FROM VW CREDIT REGARDING ANYTHING. PLEASE ALSO NOTE THAT XXXX STATED THAT THE ONLY LETTER SENT OUT WAS BACK IN XXXX.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (MI)

XXXX, XXXX, And Experian has multiple inquiries listed below reporting on my credit report without my acknowledgment. 
After a thrall investigating I found in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

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 U.S. POSTAL SVC FED & 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
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2019-01-28
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. (TN)

I went to a first time home program seminar and they told me that I couldnt sign up because of my credit. I got a copy from the annual report and there are alot of items on my credit that is not mine. Please remove so I can co sign for my son a car. XXXX ( Acct # XXXX  Equifax ), XXXX XXXX XXXX/XXXX, XXXX, XXXX, XXXX XXXX XXXX. I also saw  where my credit was ran several times and I went through it and these inquiries are not mine. I dont run my credit like that : 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. I have contacted the police and the people at FTC. I'm doing this on my own and need help.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (GA)

I have contacted Chase Auto and JP Morgan Chase Bank NA Secured Part since XXXX Regarding their reporting inaccurate information on my credit report and every since XXXX I have been requesting by Phone and by mail a 1099C since they have been reporting on all three credit reports that this account is has been Charge - off. This account has been deleted and reinstated without contacting me to let me know that it was being reinstated according to the FCRA laws. 
On my credit reports, they are reporting a repossession in the year XXXX. They also are reporting repeated charge-offs in XXXX. They are also reporting repeated repossession in XXXX to the XXXX account. I have contacted all three credit bureaus, regarding the same issues and their reply would be, that they have verified the account as accurate. which having repeated charge-off and repossession on your credit file is illegal and damaging to your creditworthiness. According to the FCRA, all these companies that I have named above violate these laws. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) : Obligates furnishers of information ( such as creditors ) to report accurate information.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) Expedited Dispute Resolution 15 U.S.C. 1681i : Governs the dispute process and requires CRAs to investigate disputes.

15 U.S.C. 1681n : Provides for statutory and punitive damages for willful violations of the FCRA.

26 U.S.C. 6050P : Governs how canceled debts must be reported to the IRS and indirectly affects credit reporting practices.

26 U.S.C. 6050P : This statute mandates that canceled debts of {$600.00} or more must be reported to the IRS, and I should be furnished with a 1099-C form as evidence of this.
Consumer complaint received 2019-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (GA)

I was reviewing my finances with my friend who pointed out this discrepancy with my account. I was not aware that my account was set up in this manner as I never authorized such. We initially contacted the Wells Fargo customer service line on XX/XX/2019, and made a complaint via the phone. After a long hold, we were advised by the customer service representative that they had wrongly attached the Wells Fargo Visa to my personal account to cover overdrafts. I advised that I wanted all the funds reimbursed over the amount of the actual overdrafts and any interest to be placed a 0 % until we had an opportunity to fully resolve the matter and all costs. A few days later, I noticed that a partial reimbursement of the most recent overdraft charges had been credited to my account in the amount of approximately {$510.00}. Still pending are numerous overdraft charges applied in previous years as stated above for the same identical fees in the amount of {$300.00} per occurrence, although the overdraft could have been for a few dollars. As such, on XX/XX/2019, I visited the local Wells Fargo branch and met with XXXX XXXX, Personal Banker, XXXX, XXXX. I filed a grievance with Mr. XXXX at that time. The Wells Fargo reference number for this research is XXXX.
Consumer complaint received 2020-12-02
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. (KY)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX and Equifax. The complaint numbers were XXXX ( XXXX ), XXXX ( Equifax ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, XXXX and Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by and of the bureaus to resolve anything, even after filing a complaint for getting no responses! I'm also aware that there was public data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX  and Equifax must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX my account for chase was put on hold. I had no idea I only found out because I tried to log in to my bank app and it said it had been locked due to suspicious activity to call a number. I call the number and they inform that my account is being closed and the money in the account will be sent to me in a check. As you can see it as now XXXX second and still no check, even after being told multiple times that the check had been sent. I was told someone tried to deposit money into my account from somewhere in Arizona. Who that person is I have no idea, yet they tell me I needed that person to come into the bank with me to verify. I have repeatedly told them I have no idea who that person is. Whoever it was tried to deposit {$7100.00}. That money never hit my account, only reason I know is because I received a letter from chase saying my bank account had the funds removed into two separate checks on XX/XX/XXXX and XX/XX/XXXX. One check was for {$1200.00} which I have already received and the other check was for {$3400.00} which I have yet to receive, those checks combined obviously do not add up to {$7100.00}. Yet they said it is under review to determine which funds are mine. That review has been going on for 5 months and the money as already been taken out of the account.
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUHOME SOLUTIONS, LLC (FL)

TruHome solutions XXXX XXXX and XXXX XXXX were working on our loan application. During this process they repeatedly asked us to sign documents that were not accurate. They did not reflect the true closing costs or interest rate. When we requested the documents be updated they told us " it doesn't matter it's just signing that you saw a document ''. Honestly, we're not sure if they were just lazy, or if there was an ulterior motive to defraud. Either way the process stretched on for months, with TruHome solutions XXXX XXXX requesting either the same documents they had already received or additional documents the underwriters requested. TruHome solutions has been our mortgage holder for 4 years, they know our history. Each time she blamed it on Covid delays, but accurate documents are not the victims of Covid. I think someone needs to investigate why employees of a lender are telling consumers it's ok to sign a legal document that does not accurately reflect the agreement for loan terms and conditions. 
We started this process in early XX/XX/2020 and were told it would take approximately 3 weeks. We were told we were approved XXXX XXXX. We sent all requested information in and then things started going wrong.
Consumer complaint received 2020-12-02
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX I sent in a dispute for inaccurate information reporting on my Equifax Credit report, and a follow up request about the dispute on XX/XX/XXXX for the follow accounts US Dept Ed this - This is a duplicate account reporting over 12 times XXXX  - This accounts is being reported with the same information on different accounts They have failed to respond to the dispute within 30 days. It has been well over 30 days and the accounts all remain the same reporting different information on each bureau with no record of them even marking the account as disputed. 

*attached has the letters I sent, with confirmation receipts, and report pulled from XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2020-09-14
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

-- PERSONAL ACCOUNT -- 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP (FL)

I AM A XXXX XXXXXXXX XXXX VETERAN AND PERSON, BOTH, THAT CAN NO LONGER AFFORD MY CONDO. I can not afford the condo fees, and insurance that have gone up XXXX $ in one year alone!! I am sXXXX XXXXXXXX and on a fixed LOW income, I DO NOT WORK, and this condo would consume WELL over 60 % of my income due to the drastic increases in florida. US BANK also arbitrarily and without warning or notice, went out AND applied XXXX $ in flood insurance to my mortgage payment without notification or reason!! I CAN NO LONGER AFFORD THE CONDO FEES, INSURANCE AND MORTGAGE WHICH HAVE GONE UP OVER XXXX $ IN ONE YEAR! This is a VA backed mortgage and US bank REFUSED TO HELP A XXXX PERSON AND VETERAN OUT, STATING YOU CAN MISS XXXX PAYMENT, WE WILL TACK ON XXXX $ MORE TO YOUR MORTGAGE PAYMENTS, AND REPORT YOU DELINQUENT FOR 6 MONTHS! us BANK REFUSED TO HELP IN ANY MATTER, EVEN THOUGH I SUBMITTED THE PAPERWORK FOR A DEED-IN LIEU OF FORECLOSURE AND OR A SHORT SALE TO US BANK XXXX I WILL BE HOMELESS AFTER THE CONDO IS GONE BECAUSE THE WAY THE us BANK REPORTS TO THE CREDIT BUREAUS. US BANK HAS CAUSED ME SO MUCH PAIN SUFFERING AND EMOTIONAL DISTRESS THAT I AM XXXX XXXX XXXX! I HAVE REPORTED US BANK TO MY TWO FLORIDA US SENATORS, THE STATE OF FLORIDA ATTORNEY GENERALS OFFICE, THE FLORIDA GOVERNORS OFFICE, AND THE CFPB AND FDIC AND THE DEPARTMENT OF VETERANS AFFAIRS!
Consumer complaint received 2020-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (WA)

I received a letter from AFNI Collections telling me I had a debt of {$750.00} that I owed to XXXX XXXX XXXX. They said I could settle the debt by paying {$490.00}. I have XXXX relationship with XXXXXXXX XXXX XXXX nor have I ever. This request for money is bogus!
Consumer complaint received 2020-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I have been trying to resolve my issues with things that are on my credit report that should not be reporting. The information just keeps getting ignored and it is still on my credit report. I do not know what else to do. The following accounts should not be reporting on my report : XXXX XXXX  for {$520.00} XXXX XXXX XXXX XXXX for XXXX XXXX XXXX for {$660.00} XXXX XXXX XXXX XXXX for {$680.00}
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am writing to file a complaint against Equifax. 

I have written letters on XX/XX/2020, XX/XX/2020 and XX/XX/2020 requesting XXXX XXXX XXXX XXXX be deleted from my credit report because it is inaccurate and unverifiable. I provided documents that prove this account is inaccurately reporting on my credit report and this credit bureau keeps responding that it is verified although it continues to report inaccurate information and inconsistent information across all 3 credit bureaus. 

I requested that Equifax provide me with documentation under the FCRA to verify that this information is mine and is correct and the method of verification. Equifax has not provided me with any documents that they have used to verify the accounts and continue to ignore the records that Ive sent. Equifax continuously ignore the FCRA and I need your help with enforcement. I have highlighted and disputed the inaccurate information highlighted on the attached document. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Equifax to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance.
Consumer complaint received 2020-08-14
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. (TX)

I have no idea where these credit inquires come from, I have written the 3 major credit bureaus twice to dispute these inquires, I did not give anyone from these companies permission to run my credit, I don't know how they obtained my personal information but i don't know any of these companies. I have asked XXXX, Equifax, and XXXX twice to remove these inquires because I have no idea where they came from
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (KY)

For the past 2-3 weeks my Equifax account displays literally nothing except reports I bought for the other 2 bureaus ( XXXX and XXXX ). 

XX/XX/year>, I called customer support and was on hold for about an hour. I finally spoke to someone who was able to verify my identity over the phone, acknowledge the exact issue I was facing and escalated the issue and advised I would receive a response via email. 

Today XX/XX/year>, I called in to get an update only to be sent on a wild goose chase about mailing in documents. 

I have been through this process before and it was not pleasant. Going back and forth with regards to whether multiple mails I have sent have been received by Equifax. 

I am paying for a service and I expect to receive said service especially when Equifax is the one with the problem. If Equifax mishandles my personal information due to glitches in their system, I expect Equifax to take full responsibility especially after taking payments from me every month. 

Right after I hanged up the call, I signed into the account again and there was a complete block ( attached ) stating I should reach out to customer support which was already very unhelpful. 

Don't play games with me because I won't hesitate to sue Equifax for mishandling my personal sensitive data and for breaking my online account and not wanting to take full liability it.