davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-04
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. (FL)

I have sent 2 letters to Equifax. the first dated XX/XX/2021 and the second XX/XX/2021. I have not received a response to my letters and today is XX/XX/2021. They have 30 days to respond to a consumer and they are not following the laws of FCRA.
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

while reviewing my credit report I saw a collection account listed. I contacted XXXX and they informed me it was a debt owed to XXXX XXXX. I contacted XXXX XXXX to get this debt validated with information confirming me and that is when I discovered the company was out of business. Prior to this debt being reported to a collection bureau I received notice from XXXX XXXX that my information was compromised in their system. I asked how did my information get into their system but was unsuccessful with getting a response afterwards. I have repeatedly disputed with all credit bureau and collection agency. The credit bureau always states they validated debt and recently stated the same. when asked their method I was told to contact the FTC. I know they did not validate with the reporting business because they have deceased all operations.
Consumer complaint received 2022-08-02
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 (FL)

The Wells Fargo credit card account in dispute was opened in XXXX. ( PLEASE SEE ATTACHED ) In XXXX the account was paid in full. However, I continued to receive statements claiming a late fee was due. I called Wells Fargo to dispute said late fee and was assured Wells Fargo would bring the account up to date reflecting a {$0.00} balance. 

This never happened the late fees continued to acquire more late fees and interest thus the balance became larger. I continually fought with Wells Fargo about charges and fees to no avail. The situation became so frustrating and upsetting I just left it all alone. Wells Fargo basically tried me out. The information Wells Fargo is reporting is inaccurate and after speaking with FDIC and being made aware of my Rights. 

It is also unlawful for accounts older than 7 years old to be reported to the 3 Credit Bureaus.

Furthermore, I can assure you I HAVE NOT entered into payment negotiations with Wells Fargo or in no way agreed to pay any amount of money Wells Fargo claims it is due.
This needs to be deleted immediately due to the negative impact its having on my credit profile. Please update my Credit File reflecting the corrected records and forward to all 3 credit agencies.
Consumer complaint received 2023-05-24
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. (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2021-10-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (MI)

This is our third complaint now against GM Financial because they're still not addressing the issue, and their second response is literally the same letter as the first. After they tricked us into repossessing it, they now won't let us make payments on it. We've been calling all summer trying to get something worked out so that we can continue making our scheduled payments. Every person we talk to says we have make payments by phone, but the phone payment system says we're not eligible. Every option they have said is available to us, they find a way to block it. We mailed a payment in, they said they never received it even though tracking shows delivered at their address. When we try to get something finalized with them on the phones because the phone option doesn't work, we get placed on hold for 1+ hours and/or they " accidently '' drop our calls. We get talked to like trash by everyone we talked to. All we want to do is make our payments and they're not letting us.
Consumer complaint received 2021-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Suddenly appeared account that is not mine. Someone used my personal info and as a result I have this item in my credit report. Please delete this account because its not mine. 

This is that account : Law Offices XXXX XXXX Thank you for understanding )
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

This bike was totalled and balance still showing in full. This case was handled by an attorney as my husband was involved in a XXXX. The company has failed to have this addressed. Our attorney XXXX XXXX XXXX have also tried to resolve. This was involved with gap coverage and was paid off. I have been denied employment and credit due to this. I have spoken to legal department and all. This account was not treated properly or handled professionally at anytime and covid caused it to be very difficult to reach anyone.
Consumer complaint received 2023-03-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PACIFIC CAPITAL EXCHANGE (FL)

The original lender wasXXXX XXXX XXXX  Oakdale has contacted me and harassed and threatened me with lawsuit when I was unable to continue my payments. I have done research and the lender claims Tribal Sovereign Immunity. Their debt recovery company, Oakdale portfolio recovery, who also go by oakdale & Associates, called me and claimed that XXXX XXXX was suing me and that I should have been served court papers. Then they back tracked when I told them I had not been served and that there was no court case filed based on a search I did with my local court that would have jurisdiction. I made a couple of payments directly to Oakdale and then fell behind again. When I agreed to make these payments with Oakdale, they had me esign a form but the terms and conditions state that this is for the amount listed on the form, however, no amount is listed on this document except {$9.00} fee depending on the state I am in. 

I was out of the country recently and received a voicemail on XX/XX/23 alleging that there was a stop order on my scheduled location date and I needed to call Oakdale and Associates right away to reschedule. I have never received any information from Oakdale via mail or email about any lawsuit and I have not been served and theyre trying to intimidate me.
Consumer complaint received 2021-11-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc. (VA)

I am customer of Revolut USA. After heavily advertising payroll direct services to me in-app and via email, I signed up for the service. The actual XXXX XXXX providing the ACH services is XXXX XXXX XXXX in New York. 

Ever since properly setting up the payroll direct deposit to my Revolut USA account with my company ( all I had to do is enter the checking account and routing numbers on the company payroll website ), my funds have been deposited into my Revolut USA account between 1 to 5 days late. 

I work for a large corporation and direct deposit has never been an issue. I used to bank with XXXX XXXX. Without fail, payroll direct deposit funds were always available on or before the scheduled pay date, in case of that date falling on a Sunday or Holiday, and that was consistent for the last nearly 25 years. Colleagues who bank with the various large traditional XXXX XXXX tell me that they never have any payroll direct deposit issues. 

I get paid twice per month and after switching payroll direct deposit to Revolut USA in XX/XX/2021, not a single paycheck arrived on my account in time. Actual pay dates vary on an irregular basis and funds are available between 1 to 5 days late, most often between 3 and 4 days. 

The most recent example : Pay date was XX/XX/2021, a Monday and regular business day. The 3 colleagues I worked with over the weekend reported that they had the funds available in their checking accounts on Saturday, XX/XX/XXXX. That is consistent with my previous experience. 

I do not expect early payment from Revolut USA, but it is not unreasonable to expect my salary to be available on the posted day, especially after the daily marketing messages to me, advertising the reliability and especially the speed of the Revolut USA payroll direct deposit, promising funds to be available earlier than with most other banks. 

I have had several chats with the friendly Revolut USA support folks. While I appreciate them being supportive, there have been no results. I was asked to report issues with details and copies of payslips whenever this issue arises, but I don't think it is reasonable to expect the customer to provide details and copies of payslips every 2 weeks to further investigate while not a single result of any of the investigations has been communicated to me to this date. 

I have done all due research that is possible for me to do. I have contacted my payroll department several times on this and we verified that all the banking info has been entered correctly on the company payroll direct deposit web page. 

Unfortunately, there is no direct communication possible with Metropolitan Commercial Bank, which is the actual financial institution behind Revolut USA handling ACH transactions.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have been disputing XXXX, XXXX and XXXX for a year now. I have given them my police report & other supporting documents that I am an Identity theft Victim during the Pandemic & before. I had all my Gov. PUA benefits stolen. I have proven to them to take off accounts that were charged fraudulently or is not mine. I keep disputing and they disgaurd or will not let me download the proof. XXXX 's website to dispute you can not even download dispute because it always says error messages. I have had several health issues and XXXX XXXX XXXX because of this. it has been a three year ordeal to dispute my credit reports and fix it without success. I have every right to have a good credit report so I can recover from my identity stolen.
Consumer complaint received 2021-09-15
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I would like to report that on my XXXX credit report appeared a company XXXX XXXX based in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA showing a revolving credit that did NOT apply for. More over I have noticed 3 hard inquiries from Capita One ; Credit One Bank NA and XXXX XXXX XXXX, XXXX XXXX that I did NOT place. I have contacted XXXX  and they said they do not see such loan under my name, I have attempted to contact the other 3 companies about the hard inquiries unsuccessfully. I have also reported the issue to XXXX.
Consumer complaint received 2022-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (MN)

i have reported this account as fraud to the company affirm, I've file police report, FEDERAL TRADE COMMISSION identity theft reports, and they still refused to remove this fraudulent account from my credit file. when i called the company, they said they would remove it, but the have not. Now they are reporting it as a Charge Off because I have disputed this account on several occasions knowingly it will be difficult to have it removed. If need be I will take legal actions to have it removed!!
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-11-04
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. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-11-04
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. (MD)

I have previously disputed with XXXX XXXX and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2021-11-04
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: AMERICAN EXPRESS COMPANY (ID)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, AMEX, is currently showing 30 days late for the month of XX/XX/2019. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-11-04
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. (OH)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-11-04
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. (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 2021-11-04
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. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. While examining my updates, the fallacious information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax Credit Bureau was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2021-12-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

Experian Credit - Charged me XXXX as of XX/XX/XXXX. I did authorize charge and they refuse to refund. They charge and bill services that have no access to see, or cancel. 

They services charges that we have no access to see or cancel and make it very hard to contact a person.
Consumer complaint received 2022-06-27
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: ENCORE CAPITAL GROUP INC. (FL)

In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX and new reference number is 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 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-12-05
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: Debt Recovery Solutions, LLC (AL)

XXXX XXXX placed an inaccurate collection from XXXX XXXX on my XXXX credit report. This is not my account. I do not owe XXXX XXXX nor opened an account on XX/XX/2021. I recently started a mortgage pre-approval process. I applied with XXXX XXXX XXXX. After applying with these companies, this collection appeared on my XXXX credit report. While researching XXXX, the reviews stated this company is a scam. The collection needs to removed immediately. This is not my debt!