davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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. (FL)

In accordance with the fair reporting act the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 C A section 5 states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (IL)

There are multiple transactions charged on my checking account which were not authorized by me from XXXX merchant as follows : XX/XX/2024 {$1800.00} XX/XX/2024 {$2900.00} XX/XX/2024 {$2900.00} XX/XX/2024 {$240.00} XX/XX/2024 {$3000.00} XX/XX/2024 {$3900.00} The total amount of {$14000.00} have been charged from checking account without my authorization. As soon i realized i did contacted my bank about the issue and merchant, merchant was not helpful then i contacted my wells fargo bank about the issue and filed fraud claim on XX/XX/2024 and the claim reference number is : XXXX. My bank informed me that they will resolve the issue with in XXXX business days and so far they never updated me any status. when i called my bank today about it, they mentioned the claim has been denied and it's final decision. My bank didn't even reach me for any further information or updates. I didn't receive any kind of fraud alert about above transactions and I requested them reopen my claim but they denied. 

Here is my checking account info : Wells Fargo Routing XXXX XXXX XXXX : XXXX. 

Please help me to get back my money ASAP. I am hoping my issue will resolve here.
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

On XX/XX/2019 I discovered that XXXX XXXX XXXX checked my Equifax credit report without my permission. This was a hard inquiry on my Equifax report. I did not authorize this. I demand that Equifax and XXXX XXXX XXXX & Equifax remove this from my report immediately.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am submitting this Complaint in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX  XXXX XXXX Balance Owed : {$610.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance Owed : {$870.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} - Evaluate this reporting by making a revision of the information provided. Charge off account should show a {$0.00} balance so why is it that there is a {$3400.00} balance indicating if it is a charge off account. Please stop this erroneous reporting ASAP. 

XXXX  XXXX XXXX  Reference # : XXXX - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.
Consumer complaint received 2023-01-17
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. (DE)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settledXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
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. (VA)

I received a letter from Equifax after I sent them a certified letter explaining all of the different violation that was present in my report, pursuant to 15 usc 1681b ( 2 ) of the UNITED STATES CODES title 15 Annotated commerce and trade 1601- 2089 volume 5/7 2020 Edition. The letter I received contained no information of an investigation or validation of any alleged debt, which is a clear a blatant violation of my rights as a consumer. The lack of the institution to use its grave responsibility to be fair and accurate they have caused XXXX in my dwelling. I certified mailed my remedy to the agency and received only their lack of respect for a consumers transaction.
Consumer complaint received 2024-02-13
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (CA)

I am a Comerica/Direct Express consumer. I receive XXXX benefits on a card monthly. The state income comes on the XXXX, the federal, on the XXXX. I was getting ready to go to the grocery store on the XXXX of XXXX and checked my card to be sure that my state check had been deposited. I noticed ( on the app ) where I check my funds and transactions that there was a card sale pending for the XXXX of XXXX in the amount of {$990.00}. It was a fraudulent card use at " XXXX XXXX XXXX XXXX, Colorado United States Of America ''. 
I live in XXXX, California and absolutely was not in CO. Also, this is my ONLY source of income as a XXXX mother of XXXX. I absolutely did not would not could not make a transaction for that amount. I immediately called the bank to let them know that this was a fraudulent transaction. At the time, I only had {$100.00} on my Direct Express card. I receive just over {$1000.00} on the XXXX. I was told I would need to file for an investigation ( which I did ) as well as cancel my card and apply for provisional credit. I did all three tasks and have tried repeatedly to get information as to what is happening with the investigation. It is now the XXXX, and I have not received any form of communication back regarding the investigation or the provisional credit. I have no way to pay my bills and zero access to my funds. Please look into this matter as this was a crime that needs to be investigated. Thank you so much. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (SC)

Hello, Listen, I need your help!! My name is XXXX XXXX, I have serious concerns regarding MOHELA 's handling of my student loans. Back in XX/XX/2022, I filed a XXXX form with XXXX qualifying payments so that my loans could be considered for forgiveness, however, for whatever reason it remains in pending status. After about XXXX XXXX  I received a formal results letter in mail that was inaccurate and showed me short of XXXX XXXX, for a total of XXXX qualifying payments. I called the loan servicer and they mentioned that the form remained in pending status ( their website refers to a typical review timeframe of 90 days, I submitted months ago back in XX/XX/2022, with no results ). I have called several times but they refuse to take action! The representatives do not make any effort to assist or provide a timeframe to begin the process of having my loans forgiven.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have recently send a letter to Equifax regarding my name. Equifax has my name as XXXX XXXX XXXX XXXX, Im not a XXXX  I have send in my Drivers License so they can correct it but they still refuse to. And, they keep telling me that a bankruptcy on my court report came back verified.
Consumer complaint received 2023-01-17
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. (FL)

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. 

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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right tp privacy.

15 U.S.C 681 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.C1 681s-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 2024-02-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Credit acceptance wouldnt disclose how to contact Dealer who closed/vacated business 1 week after purchase. I had a 30 day return agreement. As well dealer failed to do repairs and provide missing car equipment, floor mats, spare tires and tools and clean inside and out of all filth/trash. 
Repossessed 2 times during Covid closure after verbally advising they were not taking cars back. 
Harassment phone calls, threats, lack of documentation of payment agreements. And after telling me of new payment arrangements the hit my credit report in 1 day with XXXX late payments after advising they would not. 
They are rude, speak in XXXX XXXX terms and fail to disclose any information 95 % of the time. Im going to die of old age before paying it off and/or go broke repairing everything. They have multiple Class Action Suits but none in Florida.
Consumer complaint received 2021-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (MN)

I contacted Wells Fargo XXXX XXXX on XX/XX/XXXX regarding what I feel is a deceptive and unfair practice in how payments are applied to my account balance. This card is for use only with medical/dental expenses provided by approved providers. Wells Fargo XXXX XXXX offers an interest-free/deferred period on each individual charge. If the charge is not paid off within the designated number of months, the full amount of interest ( from the date of the charge ) is added to the balance and accumulated forward. In my case, the rate is 12.99 %. I currently have XXXX separate charges on my account. Payment has been made on a timely basis since the inception of the account. I have paid more than the minimum payment nearly every month in order to pay off the balances of each charge prior to the end of the interest-deferred period. 

In XXXX I paid double the minimum amount for a total of {$300.00}, ( an additional {$150.00} over the minimum payment required ), believing that one of the older charges would be paid off in its entirety and the second oldest charge would be reduced accordingly. I was dismayed to discover when the new statement arrived, that only a fraction of my payment had been applied to the oldest charge. Much of the payment had been apportioned to the newer charges that have more distant interest-deferred periods. 

I talked with the representative and was told that payments are apportioned to all the charges at the rate of 3.5 % of the charge. I feel this is an unfair practice because it makes it more difficult to pay off the balances that will in the nearer term incur the full amount of interest that has accumulated back to the original charge date. 

This is a deceptive practice, leading consumers to believe that if they make sufficient payments to pay off each charge during the interest-deferred period, they will not incur any interest on each charge. 

I understand banks are in business to make money, and interest is a major way of doing so. However, if the bank does not wish to provide interest-deferred accounts, they should not do so, especially under these deceptive circumstances. 

I ask that this practice be reviewed and require the bank to apply payments to the oldest charges first, in the order they were made. This will help consumers be able to pay off charges without incurring large interest charges in the spirit of which they opened the account in the first place.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-02-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

I opened a 9- month CD with TD bank that will mature on XXXX XXXX, 2024. Prior to opening the account I read all the information on the TD website about what happens when the CD matures. It did not say anywhere that you must show up in person to collect the funds. If it did, I would have not opened this account. I called TD bank customer service on XX/XX/XXXX to ask them to please move the funds into my TD checking account upon maturity date. I was told that in order to do that, I was required to go to my local branch and move the funds in person. I explained that I was a XXXX XXXX XXXX woman and physically unable to leave my home. They suggested I call my local branch. When I called the local branch, the manager repeated that I must be in person. I again explained that I couldn't leave my home and he said he would call me today, XX/XX/XXXX, to discuss further. I never heard from him. While I will call him back tomorrow, this has been very upsetting for me. I am on a fixed income and due to medical expenses, need some of this money when the CD matures. I don't want a check mailed to me. I simply want the funds rolled into my TD checking account. Thank you.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc. (PA)

I would like to make a " goodwill request '' to have my late payment removed from my credit. I look forward to continuing to do business with your company, and I ask for you to please eliminate my late payment with the credit bureaus by filling out the " Universal Data Form '' and faxing it to the credit bureaus that you report to. I really do hope you can help me out, it would mean the world to me and will help me qualify for a loan I need.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (MO)

From XX/XX/XXXX- XX/XX/XXXX I went to a Dealership called XXXX XXXX XXXX at this location when they filed for me to lease a car they put XXXX hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

On XX/XX/2019 I discovered that XXXX XXXX checked my Equifax credit report without my permission. This was a hard inquiry on my Equifax report. I did not authorize this. I demand that XXXX XXXX remove this from my report immediately.
Consumer complaint received 2023-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc. (VA)

This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued it