davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023
Consumer complaint received 2023-04-11
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. (AZ)

I purchased a credit report with IdentityIQ on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile. I believe they have failed to authenticate these accounts. I included this in my last complaint and hoping that these accounts lates will be removed. 
XXXX XXXX XXXX Balance : {$30000.00}, XXXX XXXX XXXX XXXX : {$2200.00}, XXXX XXXX Balance : {$600.00}
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bilt Technologies, Inc. (CA)

I have a credit card with Bilt, which allows me to pay for rental checks with the Bilt credit card. I have automatic payments on to have Bilt send my landlord a monthly rental check, and I pay off my credit card every month. For rent for the month of XXXX, Bilt sent my landlord my usual monthly rental check on XX/XX/XXXX via autopay, which I have set up. On XX/XX/XXXX, I received an email saying that my landlord had not cashed the check yet and I was given the option to cancel the check. I canceled the check via the Bilt app that same day on XX/XX/XXXX, and got a confirmation email saying my payment was canceled and that there is no action required on my part. Bilt refunded me the amount I paid for rent. Then on XX/XX/XXXX, Bilt emailed me saying that my landlord cashed the check and that the payment was not in fact cancelled. I reached out to Bilt customer support on the same day seeking clarification and explaining that my check was confirmed canceled, so I should not be charged. Bilt still charged me and reinstated the rental charge, saying that their cancellation did not go through before the landlord cashed the check on XX/XX/XXXX. The XX/XX/XXXX email from Bilt confirming cancellation of my check was a lie and their practices are deceptive and unfair. I should not be charged for a rental check that I canceled and that Bilt confirmed in writing was canceled. I am in active dispute with my landlord and I relied on Bilt 's confirmation that my check was canceled. Please find attached ( i ) the email from Bilt telling me my check had not been cashed and giving me the option to cancel payment, ( ii ) the email from Bilt confirming cancellation of the check/payment, ( iii ) the email from Bilt telling me payment was not actually canceled and that I will be charged again, XXXX XXXX XXXX XXXX XXXX XXXX transaction history, showing the charge for the {$3100.00} rent check on XX/XX/XXXX, the refund of the {$3100.00} on XX/XX/XXXX, and then the recharge of the amount on XX/XX/XXXX, and ( v ) correspondence with Bilt regarding this matter.
Consumer complaint received 2017-12-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

Per our conversation with XXXX XXXX at Wells Fargo Executive department on Friday XX/XX/XXXX, I have attached the additional documents that are pertinent to resolving our mortgage matter. 

XXXX XXXX 's email to us as customers last month was " Wells Fargo is committed to making things right with our customers. '' After speaking with you on the telephone Friday XXXX/XXXX/XXXX, that is not the sentiment you expressed. You still emphasized that Wells Fargo does n't select the contractors. That is not the point at hand. 

We could not have our closing until we meet Wells Fargo 's requirement to select a contractor that meet Wells Fargo 's protocol for validation. We did not know XXXX XXXX prior to this transaction. 

I was ensured by XXXX XXXX XXXX at the Executive Wells Fargo 's department on XX/XX/XXXX, that a new pair of eyes would review our concern. 

You are eyes are not new and we believe they are tainted by the entire 203k loan department which is no longer in existence because of illegal practices. 

We request that another Executive representative take a new look at our entire mortgage application. 

First, we were first-time homebuyers and that was not selected on our application therefore we were precluded from additional benefits as first time homebuyers. 

XXXX XXXX did not explain to us that we have MIP rather he said we have PMI which is significantly different. 

The contract we signed was in-conjunction with our mortgage closing and was not a separate document between XXXX XXXX and us. 

According to Connecticut state the law the Homeowner Contract agreement is not legal nor valid in our state. ( attached ) Moreover, Wells Fargo has hundreds if not thousands of 203k loans in the state of Connecticut and we believe our State 's Attorney needs to investigate and expose the validity of Wells Fargo loan practices. 

We received from the Department of Consumer Protection that your validated contractor was  sanction a forfeiture and the Attorney General 's unit can investigate the Unfair Trade Practice Act that was clearly ignore and not upheld by Wellls Fargo. ( attached ) This has been a two year over extended abuse from Wells Fargo and XXXX XXXX 's needs to be made aware of our situation. 

We do not desire to argue with you or debate. 

We need to be removed out of the MIP and Wells Fargo needs to refinance our loan without us incurring any further monetary depletion. 

Wells Fargo 's actions against us as first time homeowners is abusive, remorseless and inhumane. 

We need to be made whole as paying customers. 

Respectfully, XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-04-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Byrider Franchising, LLC (TN)

1.I have never had an account with this company XXXX Now XXXX XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Car Now Acceptance Company the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2023-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GLOBAL CREDIT UNION (CA)

Global Credit Union aka Alaska Federal Credit Union is the lien holder of my active personal auto loan. 

Every 6 months my insurance gets renewed Alaska Federal Credit Union places forced insurance on my account without any notification. I call them to find out why my payment went up by 30 % and they are quick to answer that my insurance had lapsed. I have changed providers twice and have always had coverage. I tell them that my contract is designed to auto renew every 6 months and that my insurance company has a relationship with me and not the credit union and that the credit union is just a lost payee or lien beneficiary on the contract. My insurance company can not initiate contact but I told them as the loss payee they can call the insurance company and verify insurance whenever they want only in the case that they discover that cover has truly lapsed should they place forced insurance. Regardless I should have received notification of this forced insurance prior to placement period so I can clear any misunderstandings, my credit and banking accounts have all been affected by this since 2018 when I took out the loan on the vehicle. 

The education level at this particular credit union is very limited, they do not have very good protocol or communication skills. They are giving small banking institutions and are giving credit unions a bad name.
Consumer complaint received 2023-04-11
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. (TX)

Please remove these accounts from my credit report because this accounts are not mine!! I worked so hard day and night just to have this on my report? No!! That's unfair to me because i don't own this account this is inaccuracy on my credit report!!
Consumer complaint received 2023-04-11
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: WELLS FARGO & COMPANY (TN)

I noticed hard inquiries on my credit reports that I did not make. XXXX XXXX XXXX XXXX XXXX Wells FargoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These were all unauthorized. Theres also a credit like with XXXX XXXX appearing on my XXXX XXXX report I also did not make.
Consumer complaint received 2023-04-11
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-11
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)

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2017-12-05
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: EQUIFAX, INC. (GA)

I submitted an online dispute in regard to several accounts on my credit report that do not belong to me. Unbeknown to me my Foster Mother added me to several accounts which I had no access to, nor was I an authorized user for these accounts. I was denied credit and a residential unit because it stated I had credit cards with high balances an my debit to income ratio was high. I received the credit reports and saw the accounts listed. After doing my due diligence I was successfully removed off each account. I disputed the items and XXXX  and XXXX  both removed the said accounts from my report because I am not a authorized user nor are the accounts listed under my name anymore. 

Equifax on the other hand has been difficult. I received an email from Equifax an " dispute completed notification ''. When I tired to access the file online, it wont show me the resolution. So today XX/XX/17 I called Equifax at XXXX. The Representative did not give me his name or Operator ID. I explained my situation and he stated to me that I 'm suppose to call the Credit Card company and make them send a statement to Equifax. I tired to explain to him that I do n't have access to the accounts so I can not get a statement. The representative was rather nasty and said " do n't talk over me or Ill hang up on you ''. I said " excuse me ''? I said Sir please do n't be disrespectful I am simply trying o explain my side of the situation. He stated I do n't have time for this have a good day and disconnected the call. I think its rather absurd that I have to go through great lengths to get assistance. And If I speak up for myself as a Customer, I am belittled or scared tactics are used against me. How is it that 2 credit bureaus could easily delete the information from doing their own investigation while Equifax is requiring me to go and get information for them to prove I do n't own the account? I was n't the one who reported the incorrect information so why am I required to get reports and letters? No other bureau asked me for that. The sheer fact I was threatened and hung up on because I spoke my truth is a sign that there is something grossly wrong with this company. I feel it is unfair business practices and should be looked into further.
Consumer complaint received 2024-08-29
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX Re : Notice of Dispute Dear CFPB, I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX XXXX/ XXXX Delete this account because you are inaccurately reporting ( ATTACHED REPORT SO YOU CAN SEE THE DIFFERENCES IN EACH ACCOUNT. ) XXXX XXXX XXXX Delete this account because you are inaccurately reporting ( ATTACHED REPORT SO YOU CAN SEE THE DIFFERENCES IN EACH ACCOUNT. ) XXXX XXXX - Delete this account because you are inaccurately reporting ( ATTACHED REPORT SO YOU CAN SEE THE DIFFERENCES IN EACH ACCOUNT. 


You have XXXX  days from the receipt of this notice to conduct a reasonable investigation to determine whether the above information is inaccurate and delete the items from my consumer file. Please forward any changes to my file to the address above. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (OH)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hard inquiries that are invalid and incorrect on my credit report XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

My Experian credit report has the wrong address. Someone accessed my report and changed it something in the past few days. I checked it because XXXX XXXXXXXX XXXX informed me that my identity had been stolen and 2 credit cards were trying to be opened in my name.
Consumer complaint received 2017-12-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

Im filing a complaint against XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for violations to the Automatic Stay and Bankruptcy Law. Section 362 of the Bankruptcy Code. The Stay. 11 U.S.C. Section 362. Im currently in an active Bankruptcy Case # XXXX and XXXX refuses to remove pending sale date for XXXX XXXX, 2017. As a result of this abuse Im concerned that this pending action will cause me financial and emotional distress and hardship. Due to the constant threats of foreclosure against my property for an illegitimate loan which XXXX and XXXX XXXX XXXX, purport that is owed, I have also been forced to file a federal lawsuit in the XXXX District of California Case # XXXX XXXX - XXXX XXXX ( XXXX ) for fraud and misrepresentation in order to defend my interests in the home. 

Creditors face liability for damages to debtors for automatic stay violations. I m seeking actual damages, punitive damages, attorney 's fees and costs for this creditor willfully violating the automatic stay. I have provided proof of this action in writing of this collusion between XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX and their actions to be willful. 

Furthermore, XXXX XXXX XXXX is not licensed to conduct business in the state of California. This is a violation to the California department of business and secretary of states offices as well as local and federal rules which apply. 
XXXX, XXXX & XXXX, have also failed to respond to my qualified written request and has not validated the alleged debt per Real Estate Settlement Procedures Act RESPA and also has violated the rules surrounding the Fair Debt Collection Practices Act FDCPA. 
See Exhibit A Proof of my bankruptcy filing and proof of pending sale date notice XX-XX-17.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

On Monday XX/XX/ via us mail I received a " Notice of Data Breach '' from XXXX XXXX they allowed my personal information to be breached and now will be a part of a class action lawsuit as they deserve! However in their letter XXXX XXXX offers me one year of Experian " XXXX XXXX '' free of charge paid for by them but when I attempted to enroll with Experian " XXXX XXXX " they said they can not verify me? And refuse thus far to enroll and take advantage of this free identity theft protection paid for by XXXX XXXX for their failure to protect my personal identifiable information XXXX XXXX should be ashamed and Experian should immediately permit me access to said protection.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 an account without my written instructions.