davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-20
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. (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX {$570.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$0.00} XXXX {$0.00} XXXX  XXXX {$0.00}
Consumer complaint received 2021-07-14
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. (NY)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/2021, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — Store credit 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. (IL)

Home Depot credit card account. 
11 purchases not made by me. All at the XXXX, XXXX Home Depot store where I have never been. 
All fraud. 

XXXX {$970.00} XXXX {$1100.00} XXXX {$990.00} XXXX {$890.00} XXXX {$990.00} XXXX {$980.00} XXXX {$990.00} XXXX {$1900.00} XXXX {$1800.00} XXXX {$1000.00} XXXX {$1100.00} Again these are all fraudulent charges. I have disputed this with Home Depot to no avail. I filed a police report with the XXXX Illinois Police department. They are investigating. I don't know what else I can do but I am not paying for things I did not buy. 

Thank you
Consumer complaint received 2023-01-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (MS)

Well when I first purchased my XXXX XXXX XXXX on XX/XX/XXXX with XXXX miles with a Trade in Allowance of {$9100.00} for my Previous Vehicle XXXX XXXX XXXX XXXX miles and a down payment of {$3200.00}. I were told that I had a 3 year Warranty with my payments at {$450.00} but my payments were {$550.00} Although I said that I would just pay an extra {$100.00} towards Principal and Interest didn't know the {$100.00} I mentioned I would pay extra was already being included. Interest of XXXX % and daily interest of {$7.00}. So with paying {$100.00} more every month of {$650.00} over a year my Principal and Interest started to be applied and my Billing Statements were in the amount of {$350.00} sometimes {$150.00}. In XXXX I remember calling in to make a larger payment of {$1900.00} but were told I could only pay XXXX  months at a time. My monthly payments were lower by then to {$540.00} with an interest of XXXX % and daily interest of {$5.00}.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file and are listed on my credit report : 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 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as the true and lending act 15 USC 1666 ( b ). Reporting inquiries without my permission and the latter responsibilities of furnishers of information to consumer reporting agencies to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-03-28
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. (CA)

On XX/XX/2017, Equifax added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Equifax has violated my right as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OLIPHANT FINANCIAL, LLC (AR)

On XX/XX/2023, I discovered a debt on my XXXX report from a company called " Oliphant '', which alleged I owed a debt in the amount of {$380.00} for a product called XXXX XXXX. I have disputed this account numerous times and I have even provided evidence that the alleged debt was sold, sold again, and re-sold to several debt collection agencies before seeking payment from me. Each time, XXXX simply stated that the debt had been verified. No evidence has ever been provided by XXXX or Oliphant. 
On XX/XX/2023, I filed an Identity Theft report with the FTC. I additionally filed a police report with my local police department on the same day. These reports and my complaint were provided to XXXX. XXXX later replied that they would not take action on my claim for some unspecified reason.

I have twice filed a complaint, under oath, that this is not my debt and that I have never received any goods or services from this company. This debt is seriously hurting my credit. Oliphant once sent me a piece of paper that had XXXX items listed that were purchased (? ) on the account, but there was no other information. There was no identifying information ; Nothing to prove my responsibility for the debt. 
XXXX has now taken the stance that both of my statements under oath are perjurious. Neither Oliphant, nor XXXX, have been able to provide some manner of evidence that I PERSONALLY am responsible for this debt. 
It is my opinion that the debt was sold and swapped between several different collection agencies so many time that the address was somehow confused with my name ( as I loved in an apartment building for a short time during this episode ) and that I was then held responsible for the debt.
Consumer complaint received 2023-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

In XXXX XXXX XXXXXXXX while attempting to buy a replacement truck, I was turned down. The reason was Select Portfolio Services ( SPS ) was showing I was late for XXXX XXXX XXXX in a row. This I had thought was remedied and was to be removed from my credit report. The reason for the XXXX missed payment was XXXX. When the mortgage was originally signed I was allowed to make XXXX XXXX   payments. This in XXXX would make XXXX XXXX payments. SPS becomes the servicing agent for XXXX the now mortgage holder and they do not allow partial or XXXX XXXX payments. 

About XXXXXXXX XXXX XXXXXXXX I missed A payment because of having to stay at home because XXXX XXXX  was sick and then latter in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SPS became relentless calling XXXX times a XXXX well into the XXXX and some as early as XXXX. They used several different phone numbers so I just stopped answering the phone all together. 

There was nothing at the time I could do and they knew it because I called them after I missed the XXXX payment. I took out money from my retirement account to get current with SPS and they agreed to remove the negative remarks. In XXXX I was finally able to purchase a much needed truck. They had removed all the negative remarks. 

In XXXX ( approx ) of XXXX SPS failed to deposit a check for 18 days after they received it. They again marked me late for XXXX. Even though they were sitting on the money. In XXXX they again marked it late because I sent in the XXXX  payment for half of the amount and then the XXXX. Apparently it was less than {$50.00} off the full payment. An honest unintentional mistake because I misread the statement. I got the a very rude Customer Service rep who basically told me it was my fault and I need to make full payments instead of XXXX XXXX payments. I was unaware they again reported this to any credit bureau until later on when I had had enough and wanted to refi the house. Nope EVERYTHING was back on the report. Even the past ones which were removed are back on my credit report. 
SPS engages in deplorable tactics by XXXX  those whom it is hired to serve. Constant phone calls, letters threatening foreclosure, people coming on to my property and taking pictures of the house and vehicles in or around XXXX XXXX. The only reason I can think of for this mean spirited practice and putting everything back on my credit report is XXXX! I can not refi the house when they hold checks for XXXX XXXX then make negative reports to the credit bureaus. Even the Statements they provide are near impossible to determine what is going on. To make it even worse without my consent they stopped mailing statements. I am not a fan of online e-Bills or giving anyone access to my accounts.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (MD)

Without any notification Wells Fargo lower my credit limited from {$13000.00} to {$8000.00}. I reached out several time for explanation to date Wells Fargo is refusing to provide an written explanation. I believe Wells Fargo actions were based on race, although I had late payments during a covid-19 hardship, I never missed a payment, nor have I made any or attempted to make any purchases during this time. I feel Wells Fargo is singling out minorities and engaged in a deceptive business practice of offer a balance transfer with a higher line of credit then after receiving the business lowers minorities credit limits which is bate and switch to gain business.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX my SS XXXX my DOB XX/XX/XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate 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 XXXX
Consumer complaint received 2023-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc (CA)

XX/XX/2020 my wife was rear ended by another vehicle while on the off-ramp of a freeway. Not only was the at fault driver not billed for the emergency services ( transportation ) rendered to my wife as they should have been. The company has refused to work with XXXX as I am XXXX XXXX military for payment that they deemed my wife and I responsible to pay. XXXX was contacted and ensured my wife and I that they have sent correspondence to the debt collector stating my wife nor I are responsible for this debt.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (HI)

Equifax won't respond, unlock, or allow me access to my account, even though I've called and complied with their regulations to unlock an account, that includes providing them with identifiable information and other things they requested. I am paying them every month and they still won't allow me access to my own subscription.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma (TX)

I was told by credit karma that I was approved for several different credit cards. Whenever I applied I was denied for every one of them and my credit score took a big hit. Credit karma should not be able to tell people that they will get approved when they get approved for nothing not even one.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (NY)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : 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 Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX Former : XXXX XXXX XXXX Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX
Consumer complaint received 2023-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc. (IN)

I signed up for XXXX XXXX XXXX in XX/XX/XXXX and canceled their service within the same day. I received a full refund of my deposit from this company at the time. I then receive a letter from a debt collection company named " Coast to Coast Financial Solutions '' in XX/XX/XXXX claiming I owed {$11.00} to XXXX XXXX XXXX and never paid them. I never received any letter from XXXX XXXX XXXX  claiming I owed them money at any point and wouldn't owe them anything as I had never used their sevice. When I called XXXXXXXX XXXX XXXX to ask why I owed money I was told " We can't see what you owed or why now that it's passed on to the debt collection agency ''. I called Coast to Coast Financial Solutions to explain that I owed nothing and that I wouldn't be paying them. They stated over the phone that I would need to write out my complaint on the back of the letter I received and send it back to them. I was not contacted in any way after this until I received a letter from Coast to Coast Financial Solutions on XX/XX/XXXX stating they'd begin pulling my credit score and harming my credit until I pay them. This has led to me filing this complaint.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THAT INQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSED I RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIRE FROM XXXX XXXX XXXX XXXX ON XXXX. PLEASE DELETE THIS INQUIRES. I HAVE NEVER HAD A XXXX XXXX ACCOUNT
Consumer complaint received 2021-02-02
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: M&T BANK CORPORATION (NY)

In XXXX, I contacted M & T Bank to see what options were available so that I would not have my house go into foreclosure. They failed to provide accurate information regarding workout options and foreclosure information. I asked about what options were open for me. They told me that I could not do a loan modification, Deed-in-lieu, Short-sale, or refinance. Different told me different things when I called the M & T Bank Mortgage department so options were told that they were unavailable to me and then they were, or I was too late because of the misinformation. I hired 3 different estate agents who listed the house. I had 2 people who made offers to buy the property for a percentage but, the bank refused saying that it was not enough. one offer was for {$18000.00} and the other was for {$30000.00}. Agents told me that many people didn't put in offers because the garage that is located near the property did not come with the house. So with no acceptable offers, the property went into foreclosure and in XX/XX/XXXX it was sold for {$24000.00}. The mortgage never included the garage located near the property but, as of XX/XX/XXXX, there was a survey completed showing that the garage is actually part of the property. The garage was never insured and only used 1 stall of the garage being that the other stall was used by the owner of other property, and believed to be owned by the owner of other nearby property that shares driveway next to the property. The power is connected to the other property. The garage was never included on the mortgage or appraisal for the mortgage. M & T Bank did not work with me or provide accurate information regarding workout options which have resulted in foreclosure on my credit report and preventing me from getting another home for me and my family.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$260000.00}