davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

On XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) agreed to withdraw XXXX late payment that was reported in XXXX which I believe was in error. The XX/XX/XXXX late payment was promised to be removed from all the bureaus. It was not. Their agreement to remove this late reported payment was a lie. This is fraud. I am attaching their letter. I have asked yet again that they remove it and that a {$200.00} credit be issued to the principal balance of the loan. This is because the only insane number of times I have had no contact them to fix the smallest of issues. I am reporting this to other government agencies because I feel if I don't, they will not keep their word. I am only attaching XXXX of the XXXX bureaus report as they all show the same payment reported as late.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : ITEMS TO DISPUTE Personal Information : Former : 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 2024-11-01
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. (NJ)

Im incredibly frustrated to see unauthorized inquiries on my credit report, which appeared suddenly this morning. I double-checked by refreshing the page, hoping it was just a glitch, but unfortunately, the inquiries remain. Im urging you to thoroughly review the documents Ive provided and resolve this immediately so I can stop worrying about these unexplained entries.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

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 2024-01-23
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. (CA)

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

XXXX XXXX XXXX Creditor Account # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Agencies have 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 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. 

Please help me with these inaccuracies because they are stopping me from being able to get jobs that i have recently applied for. I am currently unemployed and i have had to give on great opportunities that could lead me to living a better life for me and my family. The possibility of me ever becoming a homeowner is becoming a greater threat as time passes.
Consumer complaint received 2022-02-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (ID)

My student loans used to be handled by a lending company called Nelnet but after XXXX XXXX XXXX XXXX XXXX XXXX and qualified for student loan forgiveness they transferred my loan to a company called XXXX. I have two issues now because Nelnet is continuing to report my student debt as well as XXXX so it appears I have twice as much student loan debt on my report than I actually do.. also XXXX has been violated by the XXXX administration and my account is in mandatory forbearance pending my income driven repayment agreement which should be set at XXXX continuing once the issue is resolved but XXXX is reporting that my payments are deferred and they keep adding interest to the balance in my credit report but there is supposed to be no interest during the forbearance. I would like Nelnet to quit reporting and have it removed from my report and I would like a XXXX to report accurately and update everything but I have had no luck and it has caused me to be denied for a mortgage.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NY)

A personal check for my rent was mailed through the USPS system : it never entered a personal or private mailbox. Evidently, it was intercepted and fraudulently signed and deposited by XXXX XXXX. Wells Fargo refuses to give me my money back even after I submitted their affidavit to them, opened a police case for XXXX XXXX, and can see in their own system a representative from my housing management company did not sign it and that the past rental checks for my management company went to a different, and correct account at a different bank. I did not authorize my check to be signed and deposited by the thief who intercepted it. They asked for 90-120 days to resolve it which is too long to withhold my money and accrue unpaid rent charges but there was no choice than to accept their terms. Now they are demanding 40 more days. They need to return my money now that was fraudulently taken as a crime that I had XXXX part in.
Consumer complaint received 2020-08-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

We had a home equity loan that was made into a mortgage account without getting permission from us to change it into a mortgage. How can you make an equity loan into a mortgage? The home equity loan has been paid in full ; however, that have left a XXXX ( XXXX ) on the account and we can not close the account, even after paying the amount plus the XXXX they will not remove it. They did pay some taxes that is in question and after speaking with several persons for Well Fargo, we can not come to a decision. This has affected my credit score because it states that it's late and it is not.
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accelerated Creditors Services, Inc (WA)

This company accelerated, has been trying to collect money for a debt that is not mine. I asked numerous times for them to provide proper verification and they have failed to do so. They continue to harass me saying I have to pay them {$1400.00} when I never owed this amount to anyone. 
Please remove this from my credit portfolio as it isnt mine
Consumer complaint received 2021-10-18
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: Real Time Group, Inc. (NY)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on REAL TIME RESOLUTIONS ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-06-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (DC)

In late XXXX, I tried logging onto my Ally Bank account to retrieve a financial statement. After trying an old password twice, my account was blocked. I attempted to reset my password through the 2-factor authentication, but the code never came to the mobile phone tied to the account, despite multiple attempts. 

Im currently abroad and called Allys customer service number long distance and was on hold for 20+ minutes while being charged XXXX} per minute before I finally spoke to someone who was supposed to resolve the problem. Midway through, the call cutout and my issue was not resolved. Instead of going through the expensive process of calling Ally again to address their own issue of not texting me the code to reset my password, I reached out via direct message to their customer XXXX account, XXXX XXXX, on XX/XX/XXXX explaining the situation. They told me to call again ( which I explained was too expensive for me to do ) or use the chat featurewhich you can only do when youre signed into your account ( reminder, Im locked out of my account ). 

On XX/XX/XXXX, XXXX XXXXXXXX on XXXX asked for my name and phone number so someone could get in touch. I supplied that information on XX/XX/XXXX. They acknowledged receipt and told me someone would reach out shortly. On XX/XX/XXXX, I reached back out to XXXX XXXXXXXX to let them know no one had gotten in touch with me. They then asked if I could provide the phone number associated with my account because they could not identify it based on the information I gave them ( this seems like something they should have reached out to me about, instead of me having to follow up for a response ). I provided them with this information on Sunday, XX/XX/XXXX. On Monday, XX/XX/XXXX they again said they would pass this information on to a team member who would reach out soon. Also, on Monday XX/XX/XXXX, I replied and pressed them on when someone would reach out and how, reminding them that theyd told me someone would reach out before and no one did. I also reminded them that I was abroad and time zones were different, so we needed to set up a time and make sure they were calling the right number. I was then told ( still on Monday ) that someone would reach out within 24 hours without further clarification. I asked how the representative would contact me on Tuesday, XX/XX/XXXX and no one responded. On Wednesday, XX/XX/XXXX I reached back out via direct message and a public tweet since no one ever got in touch with me and received no response from XXXX XXXX. Today, it is XX/XX/XXXX and I have sent multiple private DMs and public tweets to the account with no response. I am still locked out of my account and have reached out via multiple channels to Ally to resolve my issue, to no avail.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC (MO)

If I could give XXXX stars I would. I have a car loan thru this company for seven years. The loan ended XXXX XXXX XXXX I called and explained that there is no way I have over XXXX grand to pay because the loan had ended. They told me to call back in XXXX to work out an extension. I called XX/XX/XXXX. A representative told me that to complete an extension I would need to pay {$260.00} which I did and to make my regular monthly payments of {$400.00}. XXXX came around I called and asked if I could make a partial payment on XX/XX/XXXX and the remainder on the XXXX. They said yes. I was never once told that since I did not pay a full payment in XXXX that my car is now 72 days past due as of XX/XX/. They repossed my car last night. I called and spoke to a supervisor XXXX and he said he listened to the recoreded phone calls and understood what the representative said but unfortunately she does not have authority to grant extensions and my car is still 72 days past due which makes no sense since she told me to pay that in XXXX and I paid my full XXXX. Now to get it back I have to pay XXXX and then they will release the vehicle. After reading these reviews I'm now hesitant to even pay that amount since people are saying it takes days to even get them to send the paperwork to release the vehicle. I did not get a notice by email or mail or phone call saying my car is in repo status. Like I said I have had this car for 7 years and never once came close to it being repoed. This is poor communication from the reps to the clients and I am hiring a lawyer for the decetitfulness of their words and no paper work to back up about the car being in repo status or any paper work showing the request for an extension was denied when the rep put me on hold for over 30 minutes to come back and tell me the extension was approved with paying the {$260.00} back in XXXX. 
Westlake I hope your company gets sued for poor management skills with long term customers.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required
to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : ITEMS TO DISPUTE Personal Information Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX