davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-10
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy : Discharged CH-XXXX Equifax XXXX XXXX : XXXX XXXX   XXXX, XXXX XXXX Equifax XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX Equifax XXXX XXXX XXXX  : XXXX XXXX : XXXX, XXXX XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX : XXXX.
Consumer complaint received 2023-08-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (CT)

On XX/XX/2023, I applied online through XXXX after speaking with them about a personal line of credit. Navy Federal immediately denied an extension of my credit. This is two violations of ECOA/Regulation B, by denying me and further discouraging me from applying for an extension of my credit.
Consumer complaint received 2023-08-04
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. (NY)

XX/XX/2023 {$1600.00} XXXX XXXX XXXX Account number- XXXX dispute attempt ( mail-in ) XX/XX/2023 {$460.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 
account number- XXXX dispute attempt ( mail-in ) XX/XX/2023 {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tap account number : XXXX dispute attempt ( mail-in )
Consumer complaint received 2015-10-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FirstPoint Collection Resources (NC)

i have sent now twice the information regarding this account this morning i faxed to XXXX acct # XXXX XXXX ; this account is from idenity theft and i have had issues with this from somepone is this area for quite abit please remove this account asap i am sending the police report and id theft affidavit notarized again.
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

We have a file with Wells Fargo HELOC as the XXXX. The XXXX mortgage with XXXX has been approved. We have had the file approved 3 times before with XXXX, but the buyers end up not working out. We have been going back and forth with WF for months trying to get an approval so we can get this property sold. Wells Fargo has denied this offer XXXX and will not give us any explanation as to why they would not approve. They will actually be getting more money on this offer that the XXXX previous that were approved. Wells Fargo just flat out will not let us know what we can do to fix the problem. We have done everything thing that has been asked of us and they just tell us it is denied and that is it.We are trying to save this house from foreclosure!! I just do n't understand why they will just flat out deny it with no explanation at all.I mean the first mortgage is only going to pay a certain amount to the XXXX, no matter what the offer amount, so what is wrong here? It ca n't be the amount going to them, because like I said before they are getting more money now than before.So why deny the offer?? We need an explanation. This property is going to foreclose if we ca n't get an approval.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX I requested a method of verification for an account that was reporting incorrectly on my profile. I pulled my report and noticed its still showing incorrect. There is a note stating " Account information disputed by consumer, meets FCRA requirements '' but how can this be possible if the account is inaccurately reporting an " Open account '' status on a collection account. In addition, the open date for this account is invalid.
Consumer complaint received 2015-09-04
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (WA)

When we were purchasing our home, we were told that it had a perfect " Third party inspection report '', we were also convinced that it did not have XXXX or XXXX pending on the property, Because A. They were no XXXX or XXXX listed on the disclosure or home description, the Realtor said there were none when we inquired, who was selling the home, and the Buyer who showed up at the showing, when asked if there were any building restrictions, never mentioned the XXXX against the property. After we signed everything, we got a email from First American Title with the XXXX exposed. We told our Realetor we did not want the property, he said we needed to come down and sign the amended home disclosure, and that we could get out of the property and our XXXX ernest money would be returned. We waited XXXX days as we were told, and then were told we needed to file a law suit to get our money back. We told our agent NO XXXX or XXXX 's, we asked the agent, we talked to the owner, they all denied it, as well as the intial listing and disclosour having no mention of them. We were threatened with a lawsuit or lose our ernest money. I read an article about your ORg. in a magazine, I was elated to know I could vent this, I felt totally backed into a corner, with no way out. I felt that the First American in XXXX XXXX was at fault for disclosing this info late, the realtor was at fault for not disclosing this info at all, and the owner did not disclose this info when asked. And the realtor said we could sign and disputed the amendment to the disclosure. His manager said we had to take the deal or lose our money, he even said that " nobody reads that stuff '', This place had fell through XXXX before we bought it, I know they knew of the XXXX 's. I may have to eat this house, but when I read your article in a magazine, I felt that you could confront them and there less than fare Tiltle and Mortgage practices. The Realtor was XXXX XXXX XXXX of XXXX XXXX, Wa and the Title Company was First American in XXXX XXXX, WA They knew what they did was wrong, and they intimidated us to win.
Consumer complaint received 2018-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Cashiers checks through Wells Fargo with fraudulent amounts getting cashiers checks from my bank they would have me to prove I had an account even though I had the cash for the cashiers checks they were subtracting it from my account balance sone cashiers checks at times the amount was more than even the amount of the cashiers checks I had contacted Wells Fargo had brought all the proof to them it was under investigation for fraud I had a credit card linked a pre paid card linked to my account which was not mine I have a letter from them agreeing they had the proof of a year and a half of the banks errors I was working with a branch manager I spoke to him on a Monday evening he tells me it 's being taken care of the account was in the negative but they agreed and I agreed I was no longer going to keep putting money into an account that money was being taken out without my permission I had withdrawal from my account with no branch location just random bank draft an amount and that 's it I spoke to the branch manager on a Monday evening and the next morning Tuesday XXXX my account was closed and erased from my online service I could still see my other 2 accounts but the one under investigation was gone I contacted the bank they said they apologize but ca n't reopen it I said what about the investigation they said that 's closed since the account is closed they than proceed to call me and make me an offer if XXXX the account that was in the negative due to there errors and not reporting it to the credit reporting agencies if I did not except there offer I would be asked to move my other accounts elsewhere I refused the offer as I told the district manager I gave proof of a year and a half of your employees I have a case number for online fraud credit card fraud and I was n't gong away yet I ca n't seem to get them to even look into it the account being closed they assume there 's nothing more I can do when I first contacted the bank the person I was speaking to sent me a year be anhakf of statements at no charge due to how obvious it was they wanted me to leave the proof with them I declined that and went in to the branch went over each month with the proof including the other half of my cashiers check proving that even the amount they deducted from my account was more than the cashiers check amount and than having the receipts showing how I paid for the cashiers check and it should n't have been subtracted from my account
Consumer complaint received 2023-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

DATE : XX/XX/XXXX TO : Portfolio Recovery Associates , LLC FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX, XXXX ACCOUNT NUMBER : XXXX REFERENCE NUMBER : XXXX RE : NOTICE OF VIOLATION OF CEASE & DESIST DEFAMATION OF CHARACTER NOTICE ( ORIGINAL CREDITOR : XXXX XXXX. ) You are in violation of my original cease & desist demand sent to your company on XX/XX/XXXX via the CFPB portal complaint id : XXXX and another sent on : XX/XX/XXXX via the CFPB portal complaint id : XXXX. I have since received yet another written communication from you dated : XX/XX/XXXX. I do not owe any alleged debts to PORTFOLIO RECOVERY ASSOCIATES , LLC. You did not/ can not provide a written contract or evidence of indebtedness with my signature. You did not/ can not provide a poof of authority to show you have any standing in law to attempt to collect anything from me. In your written communication, you list XXXX XXXX. as the original creditor ; I do not have a contract with them and if I did, I never provided consent to XXXX XXXX. to sell, exchange or provide any information to third parties, including PORTFOLIO RECOVERY ASSOCIATES , LLC. How did you obtain any of my information? All consumer transactions are private. I demand you to provide the original contract between XXXX XXXX, myself and PORTFOLIO RECOVERY ASSOCIATES , LLC authorizing you to contact me in any capacity. Provide the accounting, ledgers, wet ink original signatures. Your threats to furnish any information to any of my consumer reports will result in a lawsuit. You are using Color of Law to attempt to collect, furnish, share, disclose and report inaccurate information about me as defined by federal law. Unless you can provide me with proof that the original creditor had lawful authority and or consent in accordance with 15 USC 6802 ( b ) ( 1 ), to share my information with you, as well as authority to include it on my consumer report, I demand that your company cease & desist all collection attempts, furnishing of information to consumer reports and permanently delete any and all information related to me within 4 days pursuant to 15 USC 1681c-2. 
Failure to comply and or properly respond to this notice will serve as your reluctant agreement to the statements made herein, your agreement to full liability for any injuries caused, criminal prosecution and will absolutely result in legal action being taken against you. I declare under the laws of God that the aforementioned statement of facts is true and correct.

All rights reserved. UCC 1-308
Consumer complaint received 2023-08-03
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 XX/XX/2023, I sent correspondence to Equifax, XXXX and XXXX in regards to myself being a XXXX XXXX XXXX XXXX ( Trafficking Victims Protection Act, 22 U.S.C. 7101 et seq. ) Pursuant to 1022.142 ( e ) ( 1 ), these reporting agencies had XXXX days to comply and remove the items described in the correspondence sent. There has yet to be any corrections made by blocking harmful information and it is apparent that these companies Equifax, XXXX and XXXX are willfully and intentionally allowing my suffering to continue and are causing harm to me and my family. They are clearly in violation of Federal Law, and as a Federally Protected Consumer I demand that actions be taken and corrections be made. This is not a matter to be taken lightly. It is the responsibility of the CFPB to enforce our rights as consumers and protect our interests. Please assist me in obtaining relief. I shall be reaching out to federal authorities and plan to request a full audit against these companies for being accomplices to my pain and suffering as I attempt to move forward with my life.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

The bank allowed a scammer to take over my account and deposit checks from our of state. From a computer or phone I dont know between XXXX XXXX XXXX. I wasn't a were of this happening at all. The Bank of America that I have had an open and good account with over 10 years. All they said was I did it, its my fault and when am I going to pay the money back.
Consumer complaint received 2023-08-04
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. (OK)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2015-11-25
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (FL)

Sent money wire XXXX XXXX, 2015 from Navy Federal Credit Union at XXXX XXXX Office in XXXX, Florida. Canceled transaction the evening of XXXX XXXX, 2015. I was told that it would be quicker than the wire leading me that it would be cancelled in time since the date of funds availability in XXXX XXXX, 2015. I called the XXXX XXXX today XXXX XXXX, 2015 and learned that my account had been credited with the full amount including the {$25.00} wire fee. I logged into my bank application the credit was not reflected on my balance in the account. I called again the XXXX of XXXX, 2015 and I was told that the procedure was the same to send as to cancel. I then called to speak with the branch manager XXXX at the XXXX XXXX XXXX XXXX office in XXXX, Florida. She stated that they had ask the bank to refund the money. I think I have received the run around from bank personnel at Navy Federal Credit Union.
Consumer complaint received 2023-08-03
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)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-04
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. (VA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (OH)

I opened an XXXX XXXX account through XXXX earlier this year ( 2018 ). I used the card and my online account says, Youve spent {$1200.00} at XXXX on your XXXX Crefit Card this year, so I should have been upgraded to platinum ( one you reach {$1200.00} ). This comes with additional benefits. I have not been. I spent 25 minutes on the phone with customer service XX/XX/XXXX and 30 minutes on the online chat with customer service on XX/XX/XXXX and spoke with at least 5 different representatives, and they tried to say I had not spent that much at XXXX, even though my account says I have.
Consumer complaint received 2017-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

I am contacting your agency in hopes you can help me get my money back. I have paid several companies thousands of dollars for various online businesses related and XXXX XXXX XXXX XXXX was one of them. They took my money under false pretenses. I paid them with my MC ATT Universal Citibank card on X/XX/2016 for {$690.00} then another one at the same day of {$19.00} and another one on XX/XX/2016 of {$6900.00}. They promised me a second web page and a profitable online business. I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfil their end of the deal. I know its been a while but I need your help in contacting my credit card company so they can open an investigation. I am seeking your help. I am in debt and all I wanted was an extra income. I hope you help me get my money back. Thank you
Consumer complaint received 2023-08-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (OK)

In XXXX I opened a loan with XXXXedit Acceptance, I was told by the car lot that because of my credit position that this was my only option and that after a year of payments, I could come back and they would refinance my loan. The car lot was extremely pushy and after reading some of the articles about how Credit acceptance operates, I am willing to believe that the car dealership received some money from credit acceptance from my signing up with them.

But because I was in a situation where I desperately needed a vehicle, I went ahead and agreed to the loan. I purchased the car for {$14000.00} with an APR of XXXX  %. Although the amount was too high for my income, I went ahead and stressfully made payments. In XXXX I lost my job because of COVID and fell behind in payments. Credit Acceptance eventually came out with a statement and said that since we were in a global pandemic they would waive the late fees and be willing to make payment arrangements. I was not in a predicament to make payments but I settled on {$100.00} a week because I was fearful of having my vehicle repossessed. The total payment arrangement was {$400.00} a month when my actual car note was supposed to be {$390.00}. So even then it was more than the payment amount. They began to harass me and call all of the time saying that my vehicle was in danger of being repossessed unless I increased the payments. So I went up to {$120.00} a week which was {$500.00} a month that I really didnt have at all but again was fearful that they would repossess my car. I had to call them back and we eventually settled on a payment of {$200.00} twice a month. Ive been faithfully making payments to them every month, but they are still reporting my account as derogatory and past due even though Ive tried to make arrangements and I do make on-time payments. Recently I have requested a payoff amount with them because I am wanting to refinance this loan. The payoff amount was roughly {$8000.00}. I believe that this is completely unacceptable because I have given Credit Acceptance {$19000.00} in payments for a {$14000.00} vehicle. I am filing a complaint with you all because this is a nightmare situation to be in, and I would love to be able to just have the title to the vehicle without paying so much for a payoff.
Consumer complaint received 2023-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.