davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

To whom it may concern : I am officially challenging you to review your data on file for me! I am requesting that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report from now on! 

WELLS FARGO AUTO CRE XXXX XXXX Account # : XXXX Account Description : XXXX XXXX Account Rating : As Agreed Account Status : Open Account Type : Installment Balance Owed : {$24000.00} Closed Date : -- Credit Limit : -- Creditor Remarks : CURRENT ACCOUNT/WAS DELINQUENT 60 DAYS PAST DUE DATE Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : {$37000.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$640.00} Payment Frequency : -- Payment Status : AsAgreed Term Length : XXXX Loan Type : Automobile I've found a late payment entry for account WELLS FARGO AUTO CRE for XXXX in XXXX on my credit report, but I can't find any evidence of it. According to 15 USC 1666 of the Truth in Lending Act ( TILA ), and as highlighted in cases like XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), it's your responsibility to provide proof if it exists. If no proof is available, please update the status to " paid as agreed, never late. '' Your prompt action is appreciated. 
In appreciation The document I have sent you includes my concerns about the accuracy and truthfulness of your reporting. The law requires that you follow certain procedures to ensure this, but according to what's required by both FCRA as well XXXX XXXX -- it needs certified compliant. 

XXXX XXXX Please send your written response to my address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hi- I am writing this letter regarding the account numbers provided below. I do not have any such account with that company and I have tried to dispute it directly, to no avail. 
This letter is a formal complaint that you are reporting inaccurate credit information. I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. 
I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I am writing to dispute the reporting of inaccurate information on my credit report. Under 15 USC 1681i ( 5 ), you are required to remove any inaccurate or unverified information. Additionally, 15 USC 1681e ( b ) mandates that you ensure maximum possible accuracy in your reporting. 

Please conduct a thorough investigation and provide me with the results, along with my updated credit report. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2015-09-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GRANITE STATE MANAGEMENT & RESOURCES (VA)

The school referred me to the lender. After obtaining the loan my school closed. I 'm upset because I was indigent at the time and they required my grandfather to co sign. I am unable to apply additional payments and by the time I pay it off it will be more than XXXX paid on a XXXX loan. I have been unable to work out anything with the lender other than a deferment. Private loan through Granite state management and the lender continues to contact my family members and cosigner even though my payments are on time and up to date. It is all very upsetting to my elderly grandfather/co signer. My payments keep going up also and it is a tree loan which we were unaware of. The interest is ridiculous and the loan was misrepresented.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

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 XXXXXXXX Subject : Data Breach and Erroneous XXXX  Reporting on Credit Report Dear XXXX XXXX XXXX am writing to express my concern regarding a significant data breach that reportedly compromised the personal information of nearly XXXX XXXX individuals, including mine. According to recent reports, the stolen data includes sensitive information such as Social Security numbers, phone numbers, email addresses, and mailing addresses. Given the scale and severity of this breach, it is crucial to address the impact on individuals affected by this incident. 

In addition to the breach, I have discovered an erroneous bankruptcy entry on my credit report. This entry is not only inaccurate but is causing undue harm to my creditworthiness and financial stability. As a direct result of the breach, I am concerned that my personal information may have been used maliciously, leading to this erroneous reporting.

Please find below the details of my situation : Description of the Issue : Nature of the Data Breach : My personal information, including Social Security number, email address, and other sensitive data, was compromised in a recent cyberattack.

Erroneous XXXX  Reporting : An incorrect XXXX  entry has been reported on my credit report. This entry does not reflect any financial activity or XXXX  on my part. 
Actions Taken : I have contacted the credit reporting agencies to dispute the erroneous XXXX  entry and requested a fraud alert be placed on my credit file. 
I have also monitored my financial statements for any signs of identity theft or fraudulent activity. 
Requested Action : I kindly request the FTCs assistance in investigating the potential misuse of my personal information resulting from the breach. 
I also seek guidance on additional steps I should take to rectify the erroneous XXXX  reporting on my credit report. 
I appreciate your prompt attention to this matter and any assistance you can provide in resolving these issues. Please feel free to contact me if you require further information or documentation to support my case. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-10
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. (NJ)

I am a victim of XX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX. 

Unauthorized inquiries : XXXX XXXX XXXXXXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-03
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. (LA)

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 2015-04-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Our mortgage modification was denied by our servicer Bank of America ( BOA ). We checked with XXXX XXXX XXXX XXXX through XXXX and they confirmed that we are clearly qualified under the HAMP but BOA still denied us. In their denial letter BOA did not even consider the PRA that we requested. In the same letter BOA states that we are approved for Short Sale and they will release their mortgage lien on our property even though they will accept proceeds that are less than the amount we owe. They say that they are willing to accept a lower amount in a short sale but not reduce our principal in order for us to be able to afford and continue to stay in our home. 
Our mortgage is not owned or guaranteed by Fannie Mae or XXXX XXXX. 
We owe more than our home is worth. ( We owe {$480000.00}, the property is worth {$260000.00} ) We occupy the house as our primary residence. 
We obtained our mortgage on or before XXXX XXXX, XXXX. ( Origination date XXXX/XXXX/XXXX ) Our mortgage payment is more than 31 percent of our gross ( pre-tax ) monthly income. ( Current mortgage payment {$1600.00}, our monthly gross income is {$3500.00} ) We owe up to {$720000.00} on our XXXX mortgage. ( We currently owe {$480000.00} ) We have a financial hardship and are delinquent in mortgage payments. 
We provided sufficient, documented income to support the modified payment. 
We have not been convicted within the last 10 years of felony larceny, theft, fraud or forgery, money laundering or tax evasion, in connection with a mortgage or real estate transaction. 
We even reduced the homeowners and windstorm insurance on our property in order to reduce our escrow but BOA still is refusing the modification. 
Our loan was originated by Countrywide Home Loans and then in XXXX it was assigned to XXXX as XXXX for XXXX XXXX CWALT Inc ( certificate Series XXXX ). CWALT is Countrywide Alternative Loan Trust. So no one knows who the real investor/owner of our loan is and BOA is our loan servicer who is refusing to modify our mortgage which may force us to loose our home. Up to date we paid to BOA over {$250000.00} for our {$460000.00} mortgage loan and according to their statements we still owe them {$480000.00}. We also understood that BOA is fully capable of internally modifying mortgages up to 25 percent of net monthly income as well as offering substantial principal reduction.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX : number : XXXX
Consumer complaint received 2015-04-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America is attempting to change the terms & conditions aka " modify '' of my Line of Credit ( 2nd mortgage ) by INCREASING both the interest rate & Payment Terms from a monthly " interest only '' payment to a monthly " principle and interest " effective this month : XXXX XXXX. I can NOT afford this additional new expense. I have been a dedicated Client of Bank of America since XXXX. I have an outstanding Credit Score of XXXX or higher. 
I am a XXXX single citizen ( age : XXXX ). My only monthly income is my Social Security & a monthly small retirement of {$130.00} which pays for my prescription XXXX XXXX XXXX. 
I am XXXX XXXX XXXX XXXX XXXX XXXX ( 4 years ). I have NEVER been late on any payment. PLEASE HELP ME. My poor health wo n't let me work again. My car is 17+ years old.
Consumer complaint received 2024-08-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (SC)

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after investigation. I would like these items immediately re-investigated and for good cause. XXXX XXXX  XXXX Account # XXXX These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. XXXX. The date you contacted the individual funishers of information. XXXX. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. Also, this is a violation of HIPAA. This company also didnt provide me a HIPAA release that release my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.
Consumer complaint received 2024-10-03
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. (KS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NY)

CHASE PROMISES TO MAKE AVAILABLE YEAR END SUMMARY. 
CHASE DOES NOT FULFILL THIS PROMISE. XXXX XXXX CAN NOT ACCESS ONLINE. XXXX XXXX CAN NOT ACCESS BECAUSE HE GETS THE ERROR Duplicate headers received from server ERR_RESPONSE_HEADERS_MULTIPLE_CONTENT_DISPOSITION Hide details The response from the server contained duplicate headers. This problem is generally the result of a misconfigured website or proxy. Only the website or proxy administrator can fix this issue. 
CHASE XXXX XXXX XXXX XXXX MISLEADS BY PROMISING ME YEAR END SUMMARY. CHASE SHOULD USPS MAIL IT TO ME BECAUSE IT DOES NOT OPEN UP ONLINE. CHASE MISLEADS. SEND IT NOW BY USPS MAIL.
Consumer complaint received 2016-01-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: POPULAR BANK (NY)

This complaint is in reference to Popular Community bank 's {$120.00}. bonus checking account promotion now in effect. 

Here are the small print rules : http : XXXX Retirees get once a month direct deposit checks. 

Since it takes the Treasury /Social Security 10-12 days to set up a new electronic bridge to the bank ... it is simply impossible for retirees to have XXXX checks deposited into the new account within a strict 90 day window as specified by the bank. 

The third direct deposit would always exceed the 90 day window-so the customer would forfeit their $ XXXX. The bank might as well have advertised people who do n't work ( earn weekly or bi-monthly paychecks ) need not apply. The XXXX checks within 90 days rule blatantly discriminates against the elderly, the XXXX and others who receive once a month income.
Consumer complaint received 2024-10-03
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)

I am writing to dispute the accuracy of information that's on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Consumer complaint received 2016-03-15
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: The Thomas Agency, Inc. (ME)

While at college my parents had been collecting my mail. My parents are divorced so my address has changed. Along with the address confusion my mother and father had told me they would pay for the medical bills. I trusted that they would. My father called the agency to ask about the bills in collections and because they would n't speak to him he asked to give them permission. When I called the XXXX Agency I was not let known of the bills that were in collections, I simply asked to give my father permission to speak with them. 
A year later I applied for a educational loan and was denied due to the outstanding bills at the XXXX XXXX. When I found out that I had bills due I instantly called on XXXX XXXX, 2014 and paid the balances in full. 
I was checking my credit and discovered that although they say paid the collections still appear. I called the agency to ask to have this removed as I was not properly given the information regarding the debt and was denied. The women I spoke with was yelling and screaming and was communicating unprofessionally. I then asked to speak with the manager who would n't answer my questions clearly and kept asking if " I was finished. ''
Consumer complaint received 2024-10-17
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: Experian Information Solutions Inc. (FL)

Dispute of Inaccurate Hard Inquiries XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX