davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported are inaccurate and erroneous and are leading to negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect. I was never late on these accounts. The late payment shown is in error. Please check payment records and provide documentation why these are reporting as late payment. These are good standing account. Again, please verify these immediately and correct the reporting error! 

XXXX XXXX  XXXX. XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Date XXXX
Consumer complaint received 2022-02-04
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. (FL)

I have been battling with Equifax since last year because of their unlawful and unauthorized reporting. To this date, they have not solved the issues and continue reporting derogative information that is causing me harm, stopping me from receiving any further credit extensions, and higher interests. My last communication with Equifax was on XX/XX/2022, where once again ( previously submitted XXXX XX/XX/2022 ) I submitted my disputes along with an identity theft report, proper identification, proof of current place of abode, and my statement regarding the issues to be addressed. Pursuant to 15 USC 1681c-2 they had to block the information being disputed and correctly identified on the FTC report in 4 days. Today is XX/XX/2022 and said information is still being reported. I filed several complaints and they have replied what seems to be an automatic and generic response while violating my consumer rights and violating the laws by which they need to abide. 
I have submitted complaints # XXXX, XXXX, and XXXX which are now closed, and nothing has been resolved. 

In my FTC report, you will see that XXXX XXXX  is listed as not having any kind of contracts with me, no authorization, no debt validation paperwork has even been sent back to me, yet Equifax continues to reply " verified '' by default to my disputes. 
I also disputed XXXX XXXX. The payment history is wrong, I was never late, and after XXXX XXXX  and Equifax did " investigations '' ( said investigation methods are yet to be disclosed to me ) they still continue reporting lates, which DID NOT HAPPEN. Furthermore, pursuant to 15 USC1681a- ( e ) factual information should not be included, these were my written instructions on the numerous written communications I've sent to Equifax XXXX yet they willingly and knowingly continue violating my privacy, my consumer 's rights and still answer they have reached out to the company and it could take up to 60 days! 

BY LAW, EQUIFAX WAS TO BLOCK SAID INFORMATION WITHIN 4 DAYS OF RECEIPT. THIS HAS NOT HAPPENED, THEY ARE IN VIOLATION
Consumer complaint received 2019-06-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (IL)

I have provided all the documentation to Fay Servicing regarding full coverage of homeowner insurance. As well as both Insurance companies. However Fay still feels that there was a lapse in coverage however the documents that we have provided shows that there was not. 

They are charging me over XXXX month for hazard insurance when they know I have full coverage and have had full coverage for the last 20 years. 

They will not allow me to make a payment online at this time and when I call in to make a payment they try to refuse to take my payment unless I pay the XXXX extra for the hazard insurance. 

I have tried to contact them again today and I can reach them!
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (IL)

i have several inquires on my credit report that should not be there 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 2021-06-11
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. (DC)

Although the reporting is current and positive, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have never given any credit bureau or consumer reporting agency my written permission to report to them. 

I sent out letters back in XXXX to Equifax, XXXX XXXX XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
Consumer complaint received 2020-05-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (NE)

I have the US Bank reliacard. It arrived XX/XX/XXXX and I registered my card by phone and set-up the online account the same day. I also set in place security questions for account recovery. However in the following days when I attempted to log in, the portal told me my login credentials were incorrect despite me entering the password and security questions to verify my identity. 

When I followed the steps to reset the password and regain access to my account, the temporary password that I entered got me locked out as a result of an apparent security measure and it directs me to " call the number on the back of your card '' when I attempt to call customer support to unlock the account, I'm told wait times are exceeding XXXX hour. 

I've called multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX waiting for between XXXX minutes to XXXX hours on each occasion and still have had no success in regaining access to my account. The automated reset links that have been unsuccessful have been the only contact between me and the company up to this point..
Consumer complaint received 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (WI)

US Bank changed our loan without telling us and we didn't know until were sitting with the title company ready to sign. They made the loan bigger with less down payment than we had previously agreed upon without any disclosure. the loan officer told us in order to get it through their under writing process it had to be a Bigger loan amount. This is very shady process and makes more money for them.
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2019-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have been watching my credit scores on XXXX XXXX for 10+ years daily. My scores on both Transunion and XXXX have stayed within 710-730 range the entire time and fluctuate weekly @ 10 points depending on what's been paid etc.

On XX/XX/2019 my XXXX score soared up 85 points. On that same day Transunion only increased 7 points, but that was because 2 cards totaling roughly @ {$3000.00} was paid down. Transunion never reflected the score increase associated with that bankruptcy being removed. When I called Transunion and got up to the special department for that they still said that it automatically calculates, but it obviously did not. They referred me to the FTC and their site referred me here.
Consumer complaint received 2022-07-22
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated my rights 15 U.S.C1681 section 602A. 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.15 U.S.C166b A Creditor MAY not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2024-08-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (AZ)

On XX/XX/XXXX I applied for a auto pre approval and was approved, however I discovered on the XXXX of XX/XX/year> that my husband was restricted from our Navy Federal Credit Union accounts and immediately went to our local branch to discuss the matter and found out that someone tried to open a new membership under my husbands credentials. Then while sitting I went onto the mobile app and I was unable to sign on, so the branch mgr contacted the fraud department and was told since my husband is restricted and he's a joint owner on my accounts therefore I was also restricted. So when I checked on what I needed to do which was remove him from the account I filled out the joint removal form and submitted it. Said it could take up to 5 business days, I was able to get that done. Then on XX/XX/year> while out of town I went to sign on and again I was unable to, called the bank spoke to rep and informed me that there was a auto application submitted using an old device ( didn't mention that my approval was canceled ). I had just changed all my security credentials with a Rep on the phone. So how would someone be able to do that? The Rep told me I am revoked from my account since this is the 3rd time fraud has happened.I recently was able to remove the restriction.with the help of a branch rep and reapplied on the XXXX with the branch Rep, and was declined reasoning was my XXXX was higher. Once she told me that I appealed the decision, while speaking with the branch rep once again I was flagged for restriction on the account, not being able to log onto the mobile app. She was able to remove it and changed my credentials. I believe that the fraud was flagged which caused my application to be declined. My credit report had minor inquires and paid off a credit card so I am not understanding were the declined came from.I feel like this is very unfair to me as I was previously approved and the fraud has nothing to do with me and myself has been affected.Also, on the XXXX I went to a dealership ready to purchase a vehicle and did not due to the bank were my current auto loan was closed for the day. So imagined if they got the info and I presented them with the check that I had no idea it was cancelled what a spot it would've put me in. And that there had been no communication on that. What a huge liability it could have caused. My previous approval should have never been affected. Seems like this is not the way Navy Federal Credit Union should be treating any of there member 's.
Consumer complaint received 2021-04-28
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. (CA)

There are six accounts and some inquiries on my credit report that do not belong to me I have been in dispute for these for over two years the credit bureaus are not helping me out I have opened an FTC i have done everything in my powers to remove these accounts but they are not going away. 

XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX - Acct # XXXX Amt {$470.00} XXXX XXXX Acct XXXX XXXX Amt {$960.00} XXXX XXXX XXXX  XXXX XXXX Acct # XXXX Amt {$130.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX Amt {$10000.00} XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX Amt {$1900.00} INQUIRIES XXXX XXXX - Inquiry date : XXXX XXXX, XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX - Inquiry date : XXXX XXXX, XXXX
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

On XX/XX/year>, I received a text message at XXXX from the number XXXX claiming they were my bank and there was fraudulent activity on my account and inquired whether it was me who did it. I responded immediately saying no and shortly after I received a phone call from XXXX saying they were my bank and that I needed to contest this issue with them. Then the number XXXX texted me and asked to confirm my online ID and password for my bank account to which I did willingly. 

At one point in time they claimed I needed to give them my credit card as well as my debit card and that they would send an uber to get them. They then confirmed with me that an uber driver would be on their way to my place and I was to give the uber driver an envelope with my credit card and debit card and that it would be given to a representative. The XXXX XXXX arrived around XXXX and it was a XXXX XXXX XXXX XXXX The uber driver was named XXXX and he was around mid to late XXXX, bald, with minimal teeth on the bottom of his mouth. The driver then asked me if the person knew they were receiving the package to which I replied yes and then I went back into my apartment. 

I remained on the line with them and started noticing more charges coming to my account as well as a cash advance going to my credit card. I questioned them about it but I could not get a straight answer regarding the issue. At one point during my call, I blocked my old debit card and requested a new one to which the person calling me told me to stop messing around on my computer. After the line grew silent and around XXXX the number hung up on me to which I immediately redialed and the number was led to my bank. 

While on the phone with my bank, they confirmed to me that what happened was indeed fraud and they would go about cancelling, and making sure about it, my debit and credit card. After my cards were cancelled, I went through my charges with USAA, my bank, and disputed them on my debit card as well as my credit card. 

At XXXX, XX/XX/XXXX, I have received {$300.00} in credit from my bank in regard to the withdrawal using my debit card.
Consumer complaint received 2019-06-03
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Viking Client Services (PA)

Viking Client Services , LLC XXXX XXXX XXXX XXXX, MN XXXX illegally contacted my employer and my insurance company to try and recover funds for rental car damages. I rented the vehicle from XXXX on XX/XX/XXXX to XX/XX/XXXX. I was hit by an uninsured motorist on XX/XX/XXXX. They contacted my employer after they seen my discount code on the rental agreement. I contacted Viking via phone and inquired why they contacted my employer without first contacting me. I got three different answers from their employees. One said my private insurance company told them to contact my employer, the other supervisor said XXXX gave them permission and the final supervisor over the whole department stated that no one gave them permission to contact my employer. All of this transpired after I told them a few days before that i was claiming the damages with my credit card company and my private insurance company but to no avail they violated my right any ways. If this wasn't enough damage to my reputation they proceed to over charge me on the damages and have not provided the proper documentation for the loss of use for the rental vehicle, and administrative fee and a diminished value fee that I have requested for and now I am requesting proof of these fees again. However they did provide mr a copy of the XXXX Preferred Rental Terms and conditions of which this is the first time I am seeing it of all the time I have rented with XXXX for the past 5 years. Additionally in the packet they sent me additional pictures of damages on the right side of the vehicle of which was not there when the vehicle was in my possession. I also requested a copy of the voice recording of which i was referred to their compliance officer.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (WI)

In accordance with the fair credit reporting act, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.
Consumer complaint received 2019-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

An outside source hacked my Wells Fargo business account and made two withdrawals as payroll deductions -- {$2000.00} & {$5000.00} -- one day apart. When I realized what had happened, I contacted the fraud department of the bank, explained that I hadn't made these withdrawals -- I'm only a one person company and don't have a payroll process in place ; I make a distribution from my company when I need it.

Within a day or so, the {$2000.00} withdrawal was returned -- the last withdrawal -- and when a week passed and I didn't see the return of the {$5000.00}, I followed up with the bank 's fraud department. I was informed that even though they were able to retrieve the last withdrawal they didn't pursue attempting to retrieve the initial {$5000.00} because I didn't inform them within a 24 hour period after the withdrawal that this has transpired. I was stunned to hear this since they realized this was fraud, knew the source of the funds, that they didn't pursue because this transaction was outside of the 24 hour period. Some additional information -- Wells Fargo 's entire system was down for a number of days when these transactions occurred, and this information wasn't even available to me until Sunday -- the day I filed the claim. 

I subsequently filed a report with the XXXX XXXX XXXX police of this fraud and how the bank responded to this. The officer taking the information was as confused as I why if the bank knew where the money was and that this was obviously a fraudulent transaction, that would not pursue getting the money back because it fell outside of their 24 hour policy. 

I was informed by the fraud department that they would record my disagreement with their resolution and respond within 120 days. I am semi-retired ( XXXX ) and have a very small XXXX company and {$5000.00} is a great deal of money to me. Suffice it to say that while I don't expect to hear back from them, that I wanted to record their actions to the appropriate organization for further review.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2021-05-04
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. (GA)

I've sent numerous letters to the credit bureau with affidavits and they have not removed the incorrect items from my credit report. I specifically asked WHO is the person that is verifying as accurate and I have yet to receive a reply. I would like to escalate the problem but can not receive the proper information. This is a violation of my rights as they have not responded and has been longer than 30 days as allowed by law.