davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-08-18
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: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the XXXX.XXXX.XXXX.XXXX.XXXX and other furnished Lexis Nexis, XXXX XXXX, XXXX   inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX . My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  	XXXX/XXXX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  	XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  	XXXX/XXXX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX  	XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXXXXXX/XXXX/XXXXXXXX XXXX XXXX, XXXX, OH XXXXXXXX  	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX, XXXX, OH XXXX	XX/XX/XXXXXXXX XXXX XXXXXXXX, XXXX, OH XXXX  	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX  	XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX	XX/XX/XXXXPlease remove the following telephone numbers from 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) XXXXXXXX(XXXX) XXXXXXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

CitiBank is at it again, discriminating against us, severely XXXX seniors! We live in XXXX, California, 35 miles from the nearest Costco. We drove to XXXX XXXX to take my daughter to her doctor because she don't have transportation. She was a victim of hit and drive accident and her XXXX XXXX XXXX! We tried to get a small purchase at at the XXXX XXXX Costco, but Citi Bank refused my charges. When I had scheduled their payment in advance to be posted on XX/XX/2021 when the due date is XX/XX/2021. I scheduled it with my new awesome bank on XX/XX/2021. CitiBank has illegally slashed my limits to in sixth of my limit to {$500.00}. The last time they had reduced it to {$1000.00} but then within minutes, when I was on their website, CitiBank sent me an email asking about my feedback. I clicked on the feedback link and gave them a score of zero to their few questions! Immediately,! CitiBank sends me another email telling me that my limits had been reduced to {$500.00}! 
Yesterday XX/XX/2021 my payment should had been posted but didn't! I called CitiBank and admitted that my payment was there, but didn't posted. I just checked today, and of all of sudden payment just posted today. I barely have enough gas to go there today! I'm glad you are suing CitiBank for {$700.00} XXXX. They have thousands of complaints online due to their fraudulent practices. Unfortunately, CitiBank don't care that CitiBank is victimizing us! No wonder XXXX keeps appearing daily, ( see XXXX ), informing us that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pray that CitiBank stop victimizing us illegibly and using illegal tactics against innocent victims! They have caused my credit score to go from XXXX to about half the score, causing me financial burden, not qualifying for other cards nor for low interest refinancing! Please help us!
Consumer complaint received 2021-08-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2018-09-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: DriveTime (NJ)

I went to Drivetime in XXXX, NJ and negotiated the purchase of a XXXX XXXX XXXX. With the documents and down payment of {$1100.00} provided I took delivery of the vehicle on about XX/XX/XXXX. They claimed to need to do a work verification but it should present no problems since it was just protocol. I was on limited work hours from my employment at XXXX XXXX but was still employed there. However there was a hostile work environment investigation ongoing at my employment which caused my supervisor to report to Drivetime that I had been terminated. This was not true. This action caused Drivetime to come and repossess the vehicle at XXXX two weeks later without any sort of notification or attempt at resolving this issue. Furthermore Drivetime has refused to return any of my {$1100.00} down payment claiming expenses on their part. I must say if they wanted the vehicle back because the falsehood told by my now former employer which i voluntarily resigned from after this incident, i would have returned the vehicle without Drivetime incurring any expenses for having to forcibly repossess the vehicle. When I have asked Drivetime to explain this action they have claimed I needed to be on my job for 6 months which i was at the XXXX. For the record this was not explained to me as a requirement and doesn't state it on the documents I signed for the car that i have seen. 
To make matters worst Drivetime has reported the car loan on my credit and has refused to cooperate in having it removed.
Consumer complaint received 2024-11-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (TX)

budget truck rental charged my card for XXXX it was not authorized. Called citibank to inform them. When i contacted the company they stated they did not find a contract with my name on it. Sent proof to citibank those funds have not yet been credited to my account. Merchant told me it was my bank that had to refund the charge. this is very inconvenient because im on a fixed income and XXXX is a lot of money.
Consumer complaint received 2018-06-25
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 — Was not notified of investigation status or results
Company: AES/PHEAA (GA)

In XX/XX/XXXX, I communicated in writing to PHEAA via certified letter with return receipt seeking an investigation on the entries they were reporting on my credit report. To date, over 60 days later, I have received no correspondence from them. PHEAA has not attempted to respond to my request, yet when I disputed the inaccuracy of these entries with the credit bureaus, the bureaus responded that the entries were verified. This response prompted my communication to PHEAA. PHEAA has reflected late payments from XX/XX/XXXX thru XX/XX/XXXX. I do feel and believe that these entries are erroneous. I keep all of my records regarding student loans and I take full responsibility for my obligations ; however, having not ever received any information nor communication from them regarding the alleged delinquencies has me baffled. Additionally, the reporting among the bureaus for these accounts vary. How does the same alleged accounts on the 3 bureaus vary in the payment history? PHEAA does not even reflect payment history on the XXXX report? How so are the entries validated? 

If PHEAA is truly reporting accurate information, they should have been able to respond to my request and justify these entries with the corresponding documentation that substantiates the reportings. To that end, these entries should be deleted from my report immediately.
Consumer complaint received 2018-09-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (OH)

XX/XX/XXXX XXXX XXXX I did go here to look at a car but backed out of car deal and still they ran my name to many times XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never in my life asked for a credit card thru XXXX NEVER XXXX XX/XX/XXXX refuses to take any action!! Once Again didnt know they was running my name 10 times XXXX XXXX XX/XX/XXXX didnt ask for this to be ran either 2 XXXX  XXXX credit cards XXXX XX/XX/XXXX I did not file for a card they XXXX XXXXXXXX ever!!!! 
XXXX XXXXXXXX XXXX XX/XX/XXXX did not ask for this to be ran either!!! 
The buckle XX/XX/XXXX didnt take action even tho I didnt apply for this at all! Never applied for this company says nothing can be done!!! 
XXXX XX/XX/XXXX refused to remove even tho I did apply for this card either!!! 
XXXX XX/XX/XXXX twice didnt ask at all to be ran either all these are on my XXXX and some on my XXXX please help me with these! I worked hard to get my credit up and then I see all this and been trying for months to get help with removing all this off of my credit
Consumer complaint received 2021-02-10
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. (AL)

I have sent letters on two different ocassions and the first time the bureau stated they did not receive it so I sent another copy on XX/XX/21. I sent letters to each bureau about unauthorized items that appeared on my credit report, I contacted the federal trade commission to file the identity report and mailed a copy of my police report in to them and I have not received a response yet. I feel like I'm being victimized all over again because the bureaus are not trying to help seems like they just want to continue to make money off the negative information. I feel like they dont care if its right or wrong Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX and Equifax data breach and seems to have gotten into the hands of the wrong person.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

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 reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report due to a data breach incident. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), I am entitled to have any fraudulent information resulting from identity theft removed from my credit file. 
Please take prompt action to block and delete the following accounts and inquiries from 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-08-18
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC (AR)

There was a lawsuit against Green Tree Servicing to pay $XXXX XXXX to settle federal charges that I feel we/husband I should have been included.  We were treated horribly.  Even when we were trying to pay off the loan, the representatives were very rude and threatening. We would receive a call one day and be told it is on record when and how we would pay off our loan, yet someone would call the next day threatening. We would have to go through the story again and the very next day someone would call again. We were finally able to pay the loan off thank God; however, we had the loan for almost 20 years and should not have had to be subjected to such rudeness.
Consumer complaint received 2018-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have had a Bank of America Credit Credit card for more than 11 years ... no late payments even once ... I am traveling ooh of state, could not use my credit card ... when I call BOA they explain that my account has been closed 4 days ago, can not tell me the reason for that, they said the only way to fix it to apply for new CC ... it was very inconvenient because I could not pay my bills on time and I have to transfer money from my aging account to my checking account and of course I have to pay high fees.
Consumer complaint received 2018-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I am very sick i have XXXX XXXX i opended a bank account with wells fargo and its been a total nightmare i had all my goverment money deposit to my bank account then i tried to withdrawl some my card declined i called and spoke to a representative she didnt know what she was doing i was on the phone with them for more than 2 hours and according to them it was a system error so they said use your card it should be working there was a blocked but we removed it so i tried using it again declined so at this point im upset im on hold again and after 30 minutes they answer and said the department i have to speak with its close till the next day so i wait the next day i go to the branch they called the bank i was there for a pretty long hour and a half finally the banker said ok problem solved i go home tried to pay my phone bill my card declines again why? I dont know i have XXXX in my account so then i got on the phone with them again they transfer me like 4 times to end up telling me the department i have to reach its closed again, at this point im so XXXX i need my medication i have no cash and i have bills to pay that wont wait so ive been like this for a week already today i called again and they said nothing its wrong with my account so i said so why cant i use my debit card so they said u know what i see a block in your accout you have to step into the branch are they kidding me again? So i asked to speak to a manager they said that department thats handling my account are closed today so i said no transfer me to a supervisor now the supervisor got the phone and hunged up on me and im so upset this is not the way to treat a human being its my money i need my medication its not fair.
Consumer complaint received 2018-09-11
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: The Outsource Group, Inc (VA)

Victim of identity theft, XXXX : XX/XX/XXXX XXXX {$620.00}, reported to credit bureau. XXXX XX/XX/XXXX an inquiry that was not consented. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX address reported that was never lived in by defendant. {$2300.00}. I have contacted companies to dispute but was told that I have a common name and it was attached to my credit report.
Consumer complaint received 2018-06-25
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: Experian Information Solutions Inc. (TX)

I have been disputing with Experian for the last 6 to month about many items on my report. Many of the items were removed by the other reporting companies. But every investigation comes back verified. Well this time on report for XX/XX/XXXX Experian explained they would no longer RE-INVESTIGATE the items and gave me the numbers and address. I called and spoke to a few and sent letters to the rest. Well, one of the items in question stated that they do not give information to 3rd parties or report to credit companies, and note that this item has been this report since XX/XX/XXXX. ( When disputed with the other reporting companies was removed in 30 days ). Next, the next two items was disputed atleast times and came back from Experian VERIFIED and will not re-investigate, yet again no reply from one collector after sending 2 letters for validation and verification. the 3 company sent something back saying they cant locate NO INFORMATION, as of XX/XX/XXXX.
Consumer complaint received 2018-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (NE)

Issue with : AFNI XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX They are calling me about a debt with XXXX communications that isnt valid. I called XXXX and my balance is XXXX. They keep calling and havent validated the debt. One of their employees lied to me and said they are a XXXX  employee but when I called XXXX I was informed this wasnt true. I am ready to file a lawsuit.
Consumer complaint received 2018-06-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018, Wells Fargo mortgage apparently sold my home at foreclosure auction while I was in an active Chapter XXXX Bankruptcy which I believe to be a violation of the law. The also did so after assuring me that since I was in bankruptcy the sale would be stopped pending the adjudication of the chapter XXXX case. Since that time the " buyer '' has continued to harass me and demand that I leave my home. I do not believe the foreclosure sale was valid. I am still working through legal remedies for the situation but feel that the appropriate government agencies should also be made aware of this practice.
Consumer complaint received 2018-06-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (CA)

Company name is Wells Fargo. The number they are calling from is XXXX. Another number they have used is XXXX. The caller was named XXXX and he identified himself as calling from Wells Fargo Credit Card Services. His extension is XXXX. Trying to reach XXXX and or XXXX XXXX ( I think ) to discuss " your options '' as it relates to their debt owed.
Consumer complaint received 2018-06-25
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. (TN)

IVE TIRED SEVERAL TIMES TO CALL THIS COMPANY AND THEY KEEP SAYING THEY HAVE NO INFORMATION ON ME. ALSO SENT LETTER TO SHOW THIS WAS MY ACCT BUT THEY DIDNT SEND BACK ANY VALIDATION OR VERIFICATION THAT I REQUESTED. SENT LETTER ON XX/XX/2018 STILL NO RESPONSE FROM THIS COMPANY