davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
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: CB1, Inc. (MT)

I opened account in XX/XX/XXXX with XXXX XXXX XXXX for a used SUV. On XX/XX/XXXX I moved across the state and ended up defaulting on the loan as a result of an incident involving XXXX XXXX  from an ex boyfriend. Sometime near the middle of XX/XX/XXXX, a guy showed up at my residence and hooked up his vehicle to my SUV associated with the account from XXXX XXXX XXXX, said he works with XXXX XXXX XXXX and took off with my SUV. I never received any communication from XXXX XXXX XXXX as to the repossession of the vehicle. Nothing. Then I notice sometime later on my XXXX credit report the account with XXXX had been reported on as current ; paid or paying as agreed and listed under " satisfactory. '' The account was never reported as " repossessed. '' But I noticed a second account from XXXX XXXX XXXX was opened in the middle of XX/XX/XXXX, after I had moved across the state and there being no communication whatsoever with XXXX. It stated the " last payment made '' was in XX/XX/XXXX. I knew absolutely nothing about this account let alone having made ona single payment on this account! I noticed this second account was stemming from the initial account I opened with XXXX. XXXX XXXX XXXX took the vehicle..had the vehicle in their possession yet fraudulently opened a second account in my name and expected payment on a vehicle they repossessed! After several years, the initial account was closed then XXXX sold the fraudulent account to a debt collection agency, CBB Collections, as seen on my XXXX credit report. In true fashion, as with XXXX, I never received any form of communication whatsoever from CBB Collections as to the account they acquired from XXXX XXXX XXXX. Then on my credit report, it shows the total owed to these two companies is more than {$12000.00}! To me trying to comprehend what the heck is going on, it appears I now owe more than {$12000.00} to two different places for a vehicle that XXXX took back possession of. I refuse to take responsibility for these 2 accounts because first and foremost, I do not have the vehicle anymore, essentially it was involuntarily given it back. And second, I didn't open a second account with XXXX XXXX XXXX to sell to a debt buyer. As far as XXXX goes, I can't seem to get anymore to update my correct information including my current name.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as reporting accurately : 1. XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance.
Consumer complaint received 2022-04-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (PA)

I sent a letter to Experian on XX/XX/22 regarding a formal request for Verification Procedures. They failed to send out this verification but instead they sent me an email stating that the company reported the information as accurate. This was my second attempt requesting that Experian provide proof of the verification procedures.
Consumer complaint received 2020-12-04
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: EQUIFAX, INC. (IL)

Dear XXXX, XXXX, XXXX : Thank you for sending me your internal records of the debt ( DEPT OF TREASURY ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my " Session '', " Time-Stamp '', " Browser '' and " IP Address '', with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from EQUIFAX AND XXXX including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Earlier this year I attempted to log into my XXXX  account but was unfortunately locked out. I could not access the account because I no longer have a credit card for the account. It is an old account that was closed so at this point I am just paying it off. When I spoke to Customer Service in XXXX of 2021 I was told the only way to access my account is to apply for another credit card which I do not want to do. At this point, I am now being denied access to my account. On top of that, I spoke with an agent to see if there was any way I could skip a payment due to my financial hardship, after she asked me a few questions the agent then told me I qualified for a 3-month deferral program that would allow me to skip my monthly payments for 3 months. However, they did not properly enroll me and now I am being affected negatively affected on my credit for 2 missed payments as well as additional fees. Not only am I denied access to my account I was also lied to by a customer representative.
Consumer complaint received 2023-04-08
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. (PA)

I am writing to file a complaint against the credit reporting agencies for their willful neglect to investigate the inaccurate items on my credit report. I have reason to believe that my credit report contains inaccurate and unauthorized information that has been placed on it without my written permission, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

So these accounts XXXX shows inaccuracies XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Have all these violations with proof to prove my case and in know the scrutiny the Credit agencies are under for not following the law and I'm not afraid to take this as far as needed to have these items removed or I'm I'm left no choice to proceseed to legation!!

I have made multiple attempts to dispute these inaccuracies with the credit reporting agencies, but they have not taken any action to investigate or correct them. This is a clear violation of 15 USC 1681i, which requires credit reporting agencies to conduct a reasonable investigation of any disputed item on a credit report.

Furthermore, I have reason to believe that my personal information was used without my written authorization, which is a violation of 15 USC 1681 section 604 A. As a consumer, I have the right to control who has access to my personal information and how it is used. The credit reporting agencies did not obtain my written permission before placing these items on my credit report, which is a clear violation of my consumer rights.

I believe that these actions fall under the term of identity theft as defined in 15 USC 1681c-2. My personal information was used without my permission, which constitutes unauthorized use of my information and is a violation of my consumer rights under 15 USC 1681q. These inaccuracies and violations need to be removed from my credit report immediately.

I want to remind the credit reporting agencies that I am aware of my rights to sue any company that knowingly furnishes inaccurate information on my credit repo
rt, which can result in penalties of up to {$1000.00} per violation under 15 USC 1681n.

In conclusion, I urge the Consumer Financial Protection Bureau to investigate my complaint against the credit reporting agencies and hold them accountable for their willful neglect to investigate and correct the inaccurate items on my credit report. I request that the inaccurate items be removed immediately and that the credit reporting agencies take steps to prevent this from happening in the future.
Consumer complaint received 2020-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc. (TN)

I made 3 transactions with the merchants XXXX in the amount of {$290.00} on XX/XX/2020, XXXX XXXX in the amount of XXXX on XX/XX/2020, and XXXX 's in the amount of XXXX on XX/XX/2020 which all 3 transactions were cancelled and confirmed by merchants with emails of the cancelled transactions. I contacted my financial institution several times through the application, and I was provided a phone number through the application to contact the Moneylion at XXXX. Upon contacting Moneylion on XX/XX/2020, the representative confirmed the 3 pending amounts on the account, but was unable to provide any explanation on the the whereabouts of the missing funds that were not made available and that as of XX/XX/2020 was still showing as pending in the account. I requested to speak to a supervisor in which my request was not honored and the call was ended without a resolution. The morning of XX/XX/2020 I checked the moneylion application for the pending transactions in which were no longer showing and the funds had not been place in my available balance, the transactions and funds were missing. I contacted moneylion and while holding there where constant dial tones and upon speaking with a representative, the call was disconnected after my request for a supervisor was refused. I then called again, and after a being placed on hold once again, a representative claiming to be the representative that disconnected the call previously called the line, The representative began to explain that there were no available supervisor, and once I explained to the representative again about the missing funds He advised that he was reviewing my account but provided incorrect dates of previous of my past conversations as he said he was referring to prior notes written by previous representatives and could not explain why the funds from XX/XX/2020 transactions showed pending status until XX/XX/2020, and and on XX/XX/2020 funds had not returned to to my account as available. I again was not provided a resolution nor was my request to speak to management granted. As shown here in the attachment, funds from each transaction was not credited simultaneously back into the account and used for the next transaction, I had to transfer funds from my Branch bank account to make each transaction due to each amount being on hold until the disappearance of all the transactions on XX/XX/2020.
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (WA)

I was trying to refinance my home, paid for the appraisal and provided my lender with all of the documents they requested. They and the title company arranged for a notary to come to my home for purposes of getting the documents signed so we can fund the refinance. The notary was supposed to arrive at XXXX. The notary did not show up all day. The lender was trying to re-schedule a notary for XXXX, but they knew I was not available later in the day because I am leaving town for XXXX. 

The issue now is that we will be into XXXX by the time I get back, at which point they have told me that they will need to run more numbers and it will cost an additional {$4000.00} to refinance due to rate changes. 

This was not my fault. I did everything I was supposed to do. All I have asked my lender for is the refund for my appraisal of about {$800.00}. I am not even that upset about the extra refinancing charges. I have simply decided after several customer service issues with this lender that I do not wish to work with them again. They are refusing to refund me anything for the appraisal. 

Not only did they not acknowledge fault for the issue, but they won't refund me for an appraisal i can't use, and they have told me that a new rate will cost an additional {$4000.00}. Everyone involved with the lender 's office was aware of my schedule. This is extremely unprofessional. On top of it all, my main contact at the lender has not picked up my calls since I spoke to her this morning about the notary not showing up.
Consumer complaint received 2022-05-20
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: Experian Information Solutions Inc. (VA)

Upon reviewing my updates, the incorrect 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 XXXX Credit Bureaus was XX/XX/2022, 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. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Balance : {$0.00} ; XXXX/XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1700.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} ; DP OF EDUC XXXX Balance : {$6300.00}
Consumer complaint received 2021-06-02
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: Resurgent Capital Services L.P. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX US DEPT ED XXXX ... LVNV FUNDING LLC XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a mortgage account with XXXX XXXX that was removed in error by XXXX  and Transunion. I would like for this account to be added to my credit report.
Consumer complaint received 2024-09-04
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: EQUIFAX, INC. (FL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2021-02-22
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. (NJ)

investigation took more than 30 days i am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ) have failed to remove information that affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and a outright refusing to uphold the law
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (GA)

Hi I purchased a XXXX XXXX XXXX from XXXX XXXX  of XX/XX/XXXX,. I one payment in XX/XX/XXXX on XXXX XXXX Chase repo my vehicle and wouldn't work with me to get it back. They wanted me to pay the full amount owed which was XXXX I'm a XXXX  and XXXX I also don't see where they pulled my credit when I purchased the vehicle. At the time I had a fraud alert and security freeze on credit, I am a victim of identity theft in XXXX  did file with FTC. Chase has enter a Repo saying XXXXXXXX  the car was repo on XXXX. This is not true what they reported and not fair and should not get away with it and mistreat customers especially senior citizens.
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

I noticed fraudulent activity with my account on XX/XX/2023. I immediately went to the bank and reported it. They took down my information and filed a case on my behalf. Today XX/XX/2023 I tried to check my account and was denied access and was instructed to call I called the number they provided me. I was told that since my complaint was about a wire to a bank in XXXX that they had tried to get the funds back from said that they had no funds to send and I must have given my user name and password to someone or let them take control of my computer that I would not receive any credit back to my account. I asked them why would I give someone that information and then come to the bank and file a claim on the same day it happened. I was told that wire transfers take place in real time and that there was nothing that they could do. I did not authorize a wire transfer nor do I know anyone in XXXX, and I have never attempted to make a transfer of this kind in the past nor will I make one in the future.
Consumer complaint received 2023-01-31
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: Experian Information Solutions Inc. (IL)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and do not have a contract with any collection agency. They do not provide me with the original application like I asked Proof of copy of original application that includes my signature Full payment history from original creditor, original agreement showing they can legally collect the debt. If cant send proof delete this account from credit report as soon as possible! YOU ARE THE ONLY ONE REPORTING THIS ACCOUNT AS WELL!!
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: WELLS FARGO & COMPANY (IL)

In XX/XX/2023 I opened an account with Wells Fargo reacting to the marketing offer. Starting in XXXX I have worked in the XXXX and to that effect I requested the bank to send me a paper bill to the XXXX address. The bill never arrived. 
Furthermore the bank apparently mispelled my US address therefore despite speaking with three people at the bank 's customer service I was given no assistance regarding the exact start of the account. 
The issue is that the marketing offer extended relates to spend of {$3000.00} within the 90 days of the account opening. Since the bank blocked my online access as I am using my device overseas ( foreign IP address ) as threat it also refused to provide me with the account opening date. I think this is done on purpose so the 90 days threshold is not met and this info is absolutely no way related to the account security. Furthermore the WF staff is utterly rude and unprofessional and instead of providing the solution to the problem such as this they just offer meaningless and ridiculous talking points which have absolutely no relation to reality
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

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.