davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
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. (FL)

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 XXXX XXXX XXXX. 

I told the XXXX, XXXX, and Equifax to delete these accounts because the information was incorrect and I was a victim of identity theft : XXXX. XXXX XXXX XXXX ( Original Creditor : LOAN BY PHONE ) Account Number : XXXX XXXX. XXXX & XXXX ( Original Creditor : XXXX  ) Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Albert Corporation (NY)

I have tried to cancel my subscription with Albert banking app, but they're telling me that I can't because I have a balance and they won't allow me to transfer it to my personal bank account. Upon attempting to contact the customer service number, all I received was a computer generated voice without the option of speaking to a real prrson. They took {$170.00} out of my bank account without my knowledge. I was like to have this issue resolved.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2023-08-23
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. (MD)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1

5 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 2023-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

In XXXX XXXX XXXX  I received several copies of invoices from XXXX XXXX XXXX  of account statements with withdrawals under my name with several different addresses from Citibank with Costco. The first invoice dated XX/XX/XXXX through XX/XX/XXXX had a balance of XXXX and my actual previous address. On the invoice dating XX/XX/XXXX through XX/XX/XXXX there is a balance of {$1600.00} and another invoice dated XX/XX/XXXX through XX/XX/XXXX with a balance of {$1600.00}. These last two invoices had two different addresses. In XXXX I called Citibank and provided my name and social security and asked them if there was a credit card opened under my name and social security and they said there was none issued. I attempted to file a police report several times but they did not open a case as they claimed it was fake. On XX/XX/2023 I received a court summons as this debt was being collected.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (IL)

I signed up for a Wells Fargo checking account. This account was supposed to have had a {$320.00} sign up bonus after direct deposits of {$1000.00} being made to the account within 90 days after account opening. Having met these terms and not receiving the bonus, I contacted Wells Fargo once by phone with no results and then through XXXX. The response from XXXX told me to call another number. When I called they told me that I was not eligible because I had received this bonus in the last year. I asked her to send me a copy of my other account and when that bonus had posted. That bonus for the account was posted on XX/XX/XXXX and it was closed a couple of days later. 

The terms for the new account very clearly stated that you were not eligible to receive a bonus for opening a Wells Fargo consumer checking account within the past 12 months. 

My account in question was opened on XX/XX/XXXX and since this is past the 1 year date of the last bonus received, I should be eligible for this bonus.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA (TX)

Company denied my fraud claim on this account I never applied for. ID was stolen from me and the signature is invalid email and addresses dont match on this account I didnt apply for a XXXX XXXX project loan. Company refused to temporarily remove this account off my credit report. My girlfriend stolen my identity and use her address in XXXX Texas .. company refused to accept my documents I send through the mail. Company is a joke
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-08-17
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: Affirm Holdings, Inc (CA)

I have been in the process of disputing a fraudulent account with AFFIRM LOAN SERVICES INC for over a year now. I have submitted two prior CFPB complaints and have submitted multiple forms of evidence, reports, and affidavits to Affirm regarding this fraudulent account but continue to have problems with this institution. 

Since XXXX of 2022, I have been in contact with representatives and supervisors from Affirm, providing any and all kinds of supporting documentation for the multiple disputes I have initiated and they continue to reject my claims and are still holding me responsible for an account that was opened fraudulently and without my consent. I contact Affirm almost every week and have spent hours on the phone trying to follow up on my case with them and their response is the same every single time ; they tell me that my dispute is being processed and that I should be receiving a email with the results of my dispute within 1-3 business days but every time I am relayed this information by supervisors and representatives, I never hear back from them via email. So I contact them again and again and the same pattern has occurred over 10 times and I have still not resolved anything with them. In this aspect, Affirm has provided the most pathetic customer service because I wait hours on the phone only for the call to get " disconnected '' or to be told the same baseless information and they have provided no results nor resolution for me despite my persistence and amount of evidence that I have provided for them. I need answers from Affirm. I have been waiting far too long for my most recent dispute investigation to be finalized. I am not the individual who opened nor benefited from this account and therefore I will continue to dispute this fraudulent balance that Affirm continues to report to XXXX. 


For consistency and evidence, I am uploading a Police Report, FTC Report, Affidavit, and notes of representatives and supervisors from AFFIRM that I have spoken to regarding this issue.
Consumer complaint received 2018-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

My mortgage was with XXXX XXXX for a very long time. They sold the servicing to XXXX XXXX In XXXX Florida. I have been trying to work with them to get a modification on my home due to divorce and health problems. When I applied for the modification they told me that I didn't give them the paperwork in time. I showed them the proof from my e-mail that I did give all the information in time for them to look at it. This was incorrect on their part. 
On XX/XX/2018 Bayview told me that they can't help me due to previous modifications with XXXX in the past. I called XXXX XXXX today and my loan is not backed with them? 
I know the Bayview doesn't care if I lose my home but I am working and a single mother and trying very hard to live in my home. 
Anything you can do to help me would be greatly appreciated. 

Thank you.
Consumer complaint received 2023-08-17
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)

On or about XX/XX/XXXX, Equifax violated my federal and state protected rights by improperly using my credit report and stealing my identity as evidenced by the hard inquiry on my credit report by " Equifax Mortgages Services LLC. '' I did not authorize, apply or otherwise consent to my credit file or consumer report to be accessed for mortgage services from any company and definitely NOT Equifax. My consumer reports with all credit reporting agencies have been and are " frozen '' as well as include identity theft alerts. I was a victim of Equifax 's Data Breach in XXXX and have filed a claim in connection with the settlement. Equifax, via its settlement administrator, XXXX, has YET to pay my claim even though I submitted the claim and over 500 pages of supporting documentation. Due to the known theft of my personal information, the credit report identity theft freezes, and the lack of my EXPRESSED WRITTEN PERMISSION to access my consumer report, Equifax has used my credit report improperly, stolen my identity, not taken proper care or responsibility with the use and custodianship of my consumer report and credit file. As this is not Equifax 's first time violating federal and state laws, Equifax has been reckless, willfully negligent, and acted with impunity with my consumer report and credit file. Equifax has willfully violated and is in violation of : 1- 15 USC 1681b- permissible purpose ; 2- 15 USC 1681c- Requirements related to information contained in consumer reports ; 3- 15 USC 1681c-1 -- Identity theft prevention fraud alerts ; 4- 15 USC 1681e- Compliance procedures ; 5- 15 USC 1681m- Requirements on Users of consumer reports ; 6- 15 USC 1681n- Civil liability for willful non-compliance ; 7- 15 USC 1681o- Civil liability for negligent non-compliance ; 8- 15 USC 1681q- Obtaining information under false pretenses ; 9- FCRA ; 10- FDCPA ; 11- CA Consumer Credit Protection Laws ; 12- UDAAP ; 13- federal Privacy Act ; and, 14- Agreements made by Equifax under their settlement agreement filed on 01/13/20 in the United States District Court, Northern District of Georgia Atlanta Division ; just to list a few of the federal and state laws that Equifax has willfully and negligently violated . 
Equifax has caused FURTHER injury, harm and damage to me by their actions because this has caused my FICO credit score to drop FURTHER negating my ability to be financially able to obtain future credit. I have and continue to receive communications from other credit reporting agencies that this action by Equifax has negatively affected my ability to obtain future credit. Equifax is a REPEAT OFFENDER and REPEAT VIOLATOR of my federally and state protected rights.
Consumer complaint received 2023-08-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (OH)

On XX/XX/XXXX from my lending institution XXXX XXXX XXXX sent a certified check in the amount of {$24000.00} as lease payoff amount as agreed with the payoff instructions provided by US bank/US Bank Dealer services to purchase the leased vehicle ( XXXX XXXX XXXX XXXX the end of lease ). On XX/XX/XXXX through a telephonic conversation I was informed that the check was returned due to endorsement missing. Upon enquiring further with the lending institution I.e. XXXX they informed me the US BANK/US Bank Dealer services didnt properly endorse the check causing it failed to process. Consequently US Bank kept my account open and added penalty amount for not paying off monthly lease charges. This appears to be gross negligence from US BANK/US Bank Dealer service not properly endorse the check and put liabilities on customer. During this period I have made several attempts and reasonable efforts to connect to their department and spoke with at least XXXX supervisors and explained the problem but still at the end of more than XXXX weeks the lease account still open and they failed to address the issue. They failed to communicate in timely manner and made situation very difficult. I have attached the copy of the payoff instructions sent by US BANK/US BANK Dealer Service , copy of XXXX shipment as Proof that my lending institution sent the check and received by XXXX  on XX/XX/XXXX
Consumer complaint received 2023-08-17
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (SC)

During COVID we took forbearance for some months. When we were able we began making our regular payments again. A few months later we were notified of time to repay our debt. XXXX. I was given almost no time to collect the money and repay out of pocket. I was force to modify our loan and lump the payments in. This was not supposed to negatively affect my credit for the rest of my long foreseeable future. If I was notified that I would not be able to raise my credit over XXXX XXXX years down the road I wouldve tried to find a way to pay in full, even with only the XXXX days I was given to pull the money together. I just got done being in forebearance and hardship, how would I have {$15000.00} to give them that fast. 

XXXX years later Im experiencing serious problems with my credit due only to a comment by loancare. I can not get a mortgage with reasonable rates. We are experiencing extreme stress as our family grows and because of loancare and this COVID forbearance I cant get a fair shot at reasonable rates.

Congress passed the CARES act so that this exact situation wouldnt happen to the American people just trying to make it. 

Please help me remove this remark from my credit. We always complied with loancare and they cant seem to comply with the simple laws of our congress. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Metacorp LLC (AL)

Repeatedly calling even calling my employer about a loan that I never had and isnt even in my name, in a family members name. Threatening to garnish my wages and isnt my loan, my name is no where on the loan. Leaving threatening voicemails back to back. 

XXXX XXXX with set financial is whos doing this. XXXX is his #
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX Northwest XXXX Court XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding multiple creditors and the accounts associated with them. After careful review of my credit reports, I have identified several instances where I believe violations of consumer protection laws may have occurred. I am seeking your assistance in investigating these matters and ensuring that my rights as a consumer are upheld. 

The following violations have come to my attention : XXXX. XXXX XXXX  ( # XXXX ) : - Violation : Failure to provide accurate and verifiable information about the account. 

XXXX. XXXX XXXX ( # XXXX ) : - Violation : Alleged unfair practices in relation to account management. 

XXXX. XXXX ( # XXXX ) : - Violation : Insufficient or inaccurate information provided about the account. 

XXXX. XXXX XXXX XXXX ( # XX/XX/XXXX ), XXXX XXXX ( # XX/XX/XXXX ), XXXX XXXX  ( # XX/XX/XXXX ), and others : - Violation : Failure to properly disclose terms and conditions as per TILA ( Truth in Lending Act ). 

XXXX. Settlement Office ( # XX/XX/XXXX ) : - Violation : Lack of transparency in settlement procedures as per RESPA ( Real Estate Settlement Procedures Act ). 

XXXX. XXXX XXXX XXXX ( # XX/XX/XXXX ) : - Violation : Alleged unfair practices in account management. 

I have personally experienced the negative impact of these violations on my financial stability and overall well-being. [ Provide details about how these violations have affected you, such as increased interest rates, difficulties obtaining credit, emotional stress, etc. ] I respectfully request that you conduct a thorough investigation into each of these violations to ensure that the creditors involved are held accountable for any breaches of consumer protection laws. Furthermore, I request the removal of the unverified accounts associated with these creditors from my credit report. Doing so would not only rectify the inaccurate reporting but also contribute to restoring my financial standing. 

I greatly appreciate your attention to this matter and look forward to a prompt resolution that upholds the principles of consumer protection and fairness. 

Thank you for your assistance. 

Sincerely,
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

Subject : Complaint Regarding Fraudulent Actions and Mismanagement by Wells Fargo Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to lodge a complaint against Wells Fargo for their deliberate card replacement and fraudulent misrepresentation of successful repayments on my previously functioning card. 

Recently, due to the bank 's chaotic management, my personal information was once again compromised, placing me at risk of potential fraudulent activities. Consequently, I requested a replacement for my card to safeguard against potential misuse. 

However, after confirming my new card, the system failed to seamlessly transition my previous account details. Despite successfully making payments on my bill, the system falsely indicated payment failures and neglected to acknowledge my successful transactions. I had utilized the ACH card for automatic repayments on numerous occasions in the past, and even this time, my account information displayed no anomalies, and payments were made promptly. 

Wells Fargo 's actions in this matter seem indicative of fraudulent behavior or severe management dysfunction. During a recent call to their customer service, I was repeatedly transferred between representatives, and their discourteous and insolent attitude became unbearable. I could only convey the message that they urgently need to enhance the quality of their services. 

I implore the relevant authorities to thoroughly investigate the fraudulent and mismanagement practices exhibited by Wells Fargo. It is essential to regulate such behavior and ensure that consumers are treated fairly and with respect. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2024-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.