davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
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. (CT)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Ditech Financial LLC (NC)

In XXXX i called and complained about Greentree Services taking my name off the account to push it thru from XXXX. When I called they told me XXXX merged with Greentree and they took all the accounts. They took my name off and put my cousin who was the original cosigner when we initially purchased the home. I paid for years to find out the 3 bedroom mobile home was in my cosigner 's name only after paying over 11 years. He never paid XXXX. Greentree took my money and sent the bills to me for years. I complained about them in XXXX trying to settle why my name was off the paperwork. Reps called harassing about the payments when I was late but I kept paying. Im a XXXX year old lady that paid for this home all these years and was told a settlement check was going to be paid to the person name on the account and refused to talk to me. I have receipts and billing statements they sent to me in my name and his. When I asked the cosigner if he recd a settlement check he refused to say. I have my proof and taking him to court but was advised to complain online to CFPB. Please assist. CI really need my owed money Greentree from me. Feel free to XXXX. I have the cosigner 's address and phone number and will supply when need be to resolve this situation
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing me significant XXXX and concern. I am a victim of identity theft and have reported the incident. It is crucial to address this matter promptly, as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.
Consumer complaint received 2024-10-31
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: EQUIFAX, INC. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed : {$830.00} XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$580.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10.00XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX For the period of XX/XX/year>, XX/XX/year>, XX/XX/year>. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EQUIFAX. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EQUIFAX. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

As a consumer, I am writing to file a formal complaint against Equifax concerning inaccurate information and privacy violations on my credit reports. 

Equifax have reported inaccurate information ( XXXX XXXX ) on my credit report, damaging my creditworthiness and violating my rights under the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. " 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. '' XXXX XXXX  account # XXXX states that I am an authorize user on the account and I am not. 

The inaccurate reporting constitutes a violation of my privacy rights under the Privacy Act of 1974 ( 5 U.S. Code 552a ). The Act requires each agency that maintains a system of records to restrict the collection of information to only the information relevant to the purpose, to ensure the information remains accurate, to collect information directly from the subject whenever possible, and to tell the subject the purpose for which the information is being collected and the authority under which it is being collected. 

The credit reporting agencies failed to follow reasonable procedures to ensure the maximum possible accuracy of the information in my credit reports, as required by 15 U.S. Code 1681e- Compliance Procedures.

I have the right to make sure my private information isn't 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. '' I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions to rectify the inaccuracies on my credit reports, ensure compliance with relevant laws, and protect my consumer rights. I have attached supporting documentation, including evidence of the inaccurate information. 

I demand XXXX XXXX, account # XXXX to be deleted. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and appreciate your efforts in upholding consumer rights. 












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Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I booked a vacation back in XX/XX/2019 with XXXX for {$7200.00}. We were suppose to leave XX/XX/XXXX but with Covid, XXXX allowed us to change it to XXXX. Then we received an email XX/XX/XXXX stating they were cancelling us and they will not refund us but for me to contact my credit card company for refund. I can not contact XXXX at all. I have placed a dispute with Citibank and they gave me a temporary credit. Now they have removed that credit and stated that they favor the merchant. I didn't provide enough evidence of trying to contact XXXX. I can't! They have no way to reach them. I explained that on the phone when I spoke with them and in e-mail. I paid in full on my credit card for a vacation that I can not go on and Citibank will not protect me in this. This is against the Fair Credit Law. I have placed a police report in XXXX XXXX XXXX along with thousands of others. They have a special place on their website for just this. And Citi said I didn't provide enough information. I gave them all of the correspondence I have. They just cancelled on us. What else can I prove? I am on a XXXX page with others that have been wronged by XXXX and Citibank is the one of the only banks who wont back their customers unless they are reported for it. So I am reporting it and hopefully something gets done. Thank you
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MO)

In XX/XX/XXXX we were lied by XXXX XXXX... bad business practice. They told us we could rent the timeshare anytime and travel anytime we wanted to. No extra annual fees or any hidden fees. They made us sign in a rushed environment. That has been the biggest mistake of my life. We paid them {$5500.00} in downpayment and monthly fees. 

In XXXX we started seeing other fees to pay and annual fees that they did not inform us of. 

In XX/XX/XXXX and forward we started communicating thru emails and calls about cancelling the timeshare because of the hiding fees and because of XXXX and all the financial difficulties we were having and still have. We told them we wanted to sell it back to them or just give it to them back and take the {$5500.00} we had already given them as a loss. They said no and have been informing the credit bureaus that I am " late '' and this has resulted in my credit score to drop. We NEVER used the timeshare at all and want them to please cancel this timeshare.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 ) ( XXXX ) 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 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I AM asking for a investigation in this matter I have three accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am not disputing the verfication of these accounts what i am asking for if I received a 1099 from all three company for a amount that is not same as ALL these three accounts don't the account therfore to be removed. I just want to confirm that the information on my credit report is 100 % accurate so I want to verify that the information as the amount I owe is correct and I am asking if its not can the accounts be deleted because these accounts are reporting information that is not accurate as my 1099s show a different amount. Thanks
Consumer complaint received 2024-02-05
Product: Credit reporting 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. (FL)

I, XXXX XXXX XXXX XXXX, am writing this compliant to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without my permissible purpose and in violation of my rights as a consumer. These hard inquiries are not in relation to any open or active accounts. These hard inquiries have adversely impacted and exhausted my credit report, which have affected my credit worthiness as a customer. I kindly request that Equifax to remove these hard inquiries and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C 1681b ( f ) ( Permissible Purpose ). I am attaching a formal letter from XXXX XXXX to remove the unauthorized hard inquires. I have brought this matter to Equifax 's attention via telephone and when disputing the hard inquiry on my Equifax account, however there has been no resolution to this matter. 

I believe that the inquiries made by the aforementioned businesses were made without permissible purpose as outlined in the FCRA, specifically 15 U.S.C 1681b. My interactions with the companies involved clear communication that I authorized a single credit check for a specific purpose. However, they proceeded to make multiple hard inquiries on my credit report which were not in line with the agreed-upon terms, nor did I sign any documentation to run my credit report as a hard inquiry multiple times. 

15 U.S.C 1681b of the FCRA explicitly defines permissible purposes for accessing consumer credit reports. These purposes include, but are not limited to, credit transactions, employment background checks, and account review by existing creditors. The companies in question did not have permissible purpose to make multiple hard inquiries without my consent, as these actions are not authorized by law. 

If no permissible purpose can be established for one or more of the inquiries, I request that Equifax takes the necessary steps to have these hard inquiries removed from my credit report.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (CA)

Time after time, since XX/XX/XXXX, COVID-19 Pandemic, as a XXXX XXXX XXXX long time customer, who has written letters, Emails, phone calls to plead for help because WF had agreed with the federal govt, and state gov't to help their customers who ask for help, and I believed that. After two hardship letters to XXXX XXXX,XX/XX/XXXX XX/XX/XXXX WF, and Email pleadings, to lower their punitive interest rate, they refuse. A PUNITIVE {$80.00} plus per month could help pay for my utilities, food, etc. WF claims they help people and are equitable. I see no equity in their practices. I see some age. and marital status discriminatory practices. 

Even my credit union has helped my out. Shame on Wells Fargo, for letting their elderly customers, suffer more harm by not even going our of their way to help. 

I can understand why WF is involved in so many class action lawsuits. WF did not even help me out when I wanted to refinance my home where WF held the mortgage of XX/XX/XXXX years. A divorce. AfterXX/XX/XXXX years with no alimony put me in a financial hardship. After filling out their application, which was an invitation from WF to refinance my home at a lower mortgage rate, WF put me through a futile exercise of paying the mortgage for XX/XX/XXXX months ( in 2015 ) on my own, which I complied with, which resulted in turning me down, and I had to sell my home. 

Fast forward to COVID-19 Pandemic, they are still denying help to me, a XXXX XXXX XXXX long time customer. These punitive actions on WF 's part should be addressed. Age and Marital status in my opinion, is not being dealt with equitably or justly by WF.
Consumer complaint received 2021-12-08
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: FORD MOTOR CREDIT CO. (CA)

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and Ford Cred to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2020
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2021-12-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

Had a one Payment extension Last year due to the COVID-19 pandemic Now Ally auto financial didnt keep their promise about putting the car payment to the end of the contract Ally auto financial is using harassing tactics phone calls every day on the weekends even call my job Multiple times they have threatened with aggressive letters as well upon checking my bank statement all payments have been on time i use my vehicle to make my income also they reported to the credit bureaus that Im 60 days late which is not true now I cant get any Business credit they added numerous late fees which is not true
Consumer complaint received 2021-12-08
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. (NC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.