davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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. (GA)

I am writing a formal complaint about the financial distress and hassle I've been dealing with XXXX, EQUIFAX, and XXXX. I've been trying to get in touch with them to sort out some issues on my credit report, but it seems like they're completely ignoring me. I've sent them dispute letters on XX/XX/2023, XX/XX/2023, and XX/XX/2023, but they haven't bothered to respond or do anything about it. This lack of response is not only super frustrating but also putting me in a tight spot financially. These inaccurate BANKRUPTCY reports on my credit report are making it ridiculously hard for me to apply for credit, loans, and other financial stuff. And guess what? I even got a letter from the Bankruptcy Court XXXX XXXX XXXX XXXX saying that they don't verify information to the credit reporting agency. How messed up is that? I really think it's time for the CFPB to step in and investigate how XXXX, EQUIFAX, and XXXX are handling things. They seriously need to be held accountable for their lack of response and take immediate action to fix the inaccuracies on my credit report. I've included copies of all the important documents, like my previous letters to XXXX, EQUIFAX, and XXXX, and that court letter. I'm sure this evidence will back up your investigation.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2024-09-06
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. (FL)

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted Equifax and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2024-10-24
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. (GA)

Several unauthorized hard inquiries have appeared on my credit report, which I did not authorize or initiate. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX have disputed these hard inquiries multiple times with the credit bureaus, yet they remain on my report. I have not applied for credit with these institutions, nor did I give permission for these inquiries to be placed on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), hard inquiries are only allowed with the consumers express consent, and these inquiries were made without my authorization. Additionally, the credit bureaus failure to remove these inquiries despite my previous disputes is a violation of my rights under both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

These unauthorized inquiries have negatively impacted my credit score and may cause potential denials of credit, further harming my financial standing. I am requesting that these inquiries be removed immediately and that the parties responsible for these unauthorized actions be identified.
Consumer complaint received 2022-06-24
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 XXXX  account XXXX, XXXX, has violated my rights.

15 U.S.C 1681 section 602 A States i have the right to privacy.

15 .U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 
XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2024-08-28
Product: Credit 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: SYNCHRONY FINANCIAL (KY)

Bank not responding to original complaint. Refusing to provide any proof of action taken. Refiled my original complaint. Keep telling me I did not file in XXXX they said I did file and XXXX and they don't know why it was taken care of. Refusing to provide any documentation
Consumer complaint received 2024-09-02
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 (SC)

I had a unauthorized charge on XX/XX/year> had two previous ones for XXXX and they issued my temp credits for that as they investigate I need the same done now cuz that wasnt right at all and they shouldnt have me waiting this long
Consumer complaint received 2024-10-31
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)

There are XXXX incorrect items on my report XXXX XXXX investments is not my account. I have requested XXXX times for validation of debt along with original agreement and my information that has not been provided. 

Achieve loans- I have requested over four times for a validation of debt along with original agreement and my ID verifying its myself I have not been providing any information. This is identity theft XXXX XXXX XXXX XXXX is showing late XXXX and was late for this is incorrect information. I have all the payment up-to-date and have been up-to-date for the past three years. This was also included in my divorce. This mortgage belongs to my spouse XXXX XXXX, and should be removed from my account.
Consumer complaint received 2023-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NY)

Fay Servicing has not been providing accurate invoicing information, to reflect current payments that are made. Furthermore, when lump sums of payments have been made, Fay Servicing has held the money in suspend, providing invoices with higher outstanding balances and incurring additional interest. Since one of the parties on the mortgage is in bankruptcy, Fay Servicing has restricted the other borrower from platform access which does not provide transparency to the account. Statements are not routinely forwarded to reflect real time payments, representatives are unable to read account and provide and provide accurate information to the loan holders regarding fees, balances and current payments due. Inaccurate information is shared by Fay Services to their attorneys which is not timely shared with our attorney. Due to their inability to share accurate and transparent information, additional attorney fees are incurred on the account causing compounded hardship on the loan holders. Loan holders are requesting access to the account platform in order to review information real time and an account representative that can provide accurate information on the account. Fay Servicing is taking advantage of the XXXX community and XXXX XXXX community that is not able to maintain their accounts in good standing as they hold money in suspend and send delayed and false billing statements which are not provided within a continuous 30 day cycle. On XX/XX/23, a court hearing was held due to Fay Servicing claiming lack of payment. The attorneys representing Fay Servicing did not have factual information to address at the time of hearing. 
XXXX XXXX order that both attorneys meet to discuss case. We were never informed in writing of this court date or future court dates. Lastly, a modification was granted a few years ago, and now our mortgage increase substantially every year. How was this modification beneficial to us when we are simply paying this company more interest and little being applied to the principal of the loan? To date, XX/XX/23, I am yet to receive an updated invoice from Fay Services reflecting the payments made to current month.

Investigation into this fraudulent activity is being requested. See attached correspondence between attorneys and statements enclosed. Thank you.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/year> I recently noticed that my XXXX account have PayPal credit of {$2.00} limit with {$0.00} Balance never been used opened without my knowledge I would like to remove the account off my credit report immediately.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: M&T BANK CORPORATION (IL)

I am writing to formally dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the XXXX letter and dispute I have sent to this CREDIT BUREAU along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and these creditors and CREDIT BUREAU are violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my XXXX notice to this company notifying you guys that these listed accounts are fraud. My information isnt protected, and this credit bureau isnt honoring my identity theft claim. My XXXX notice of litigation will be a lawsuit suing this credit bureau, these company did not honor my rights or acknowledge my supporting documents regarding identity theft. I was incarcerated for 10 years with proof when all these accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, XXXX going to sue for my rights being violated, pain and suffering, false allegations from these creditors and credit bureau, and assisting to furnish wrong and fraudulent accounts. I demand all accounts be removed ASAP. 

Specifically, I refer to the following account : FRAUDULENT ACCOUNTS : XXXX. M & T BANK : {$330000.00} ACCOUNT # XXXX XXXXXXXX XXXX XXXX  : {$50000.00} ACCOUNT # XXXX XXXX. XXXX XXXX : {$540.00} ACCOUNT # XXXX XXXX. XXXX XXXX XXXX : {$9500.00} ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX {$210000.00} ACCOUNT # XXXX XXXX. XXXX XXXX : {$4700.00} ACCOUNT # XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$400.00} BALANCE {$900.00} ACCOUNT # XXXX XXXX. XXXX XXXX XXXX  : {$300.00} BALANCE {$460.00} ACCOUNT # XXXX XXXX. XXXX : {$100.00} BALANCE {$650.00} ACCOUNT # XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX {$7000.00} BALANCE {$2400.00} ACCOUNT # XXXX Fraudulent Address : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX These above addresses are fraudulent, and these perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised during the time I was incarcerated for 10 years ; this is the XXXX notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in opening accounts and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I opened XXXX XXXX loan account in XX/XX/XXXX. I went ahead and set up autopayment. Everything worked great before XX/XX/XXXX, when I decided to check my XXXX credit report and noticed that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported late payment to credit bureaus. I was shocked, as auto payment was still set up and there was more than enough money on my checking account for XXXX XXXX to charge me. I have never been notified by them about the missed payment and I had no chance to retry my payment. I called them, asked explanation, why they have not notified me about it and why their autopayment failed? It was not my mistake, as there was enough money on my checking and they succeeded to charge me before. Why they were not able to do it in XX/XX/XXXX. Also, I know that before reporting you late, they should give you a notice. I have not received email, mail or phone call. They gave me no reasonable explanation but declined to remove late payment from my account. 
I hope CFPB will help me. These credit companies do what they want and don't care about customers! Secured loan partial account numbers are XXXX opened XX/XX/XXXX.
Consumer complaint received 2021-12-07
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. (PA)

To whom this may concern, I'm reaching out in reference to the 3 major Credit Reporting Agencies who've been treating me with unfairness. I've contacted XXXX, Equifax and XXXX in writing as well as over the phone and requested that XXXX, XXXX and Equifax do an investigation on the hard inquires that furnishing my credit report, because they may be violating several laws that the federal law protects me against. XXXX, XXXX and Equifax are in violation of : 1. Civil Liability for Willful Noncompliance ( 15 U.S Code 1681n ) 2. Exclusions 15 U.S Code 1681a ( 2 ) The Federal law is above all laws and these 3 credit bureaus refused to comply with the law. Having these hard inquiries on my credit report has been stopping me from getting approved for housing for my XXXX children and me. I'm suffering from XXXX and XXXX because of my consumer report that's reporting transactions that I have the right of privacy to as well as transactions I never have consent to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because I can't get housing for my kids because of the hard inquires furnishing my credit report. I want to get this matter taking care of, and if it doesn't, I'll will go public and publish my book explaining how I'm now XXXX XXXX because of the credit bureaus acts of unfairness. Listed below is the hard inquires that's furnishing my credit report. 




XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

Equifax credit report shows collection notice from collection agency. I Identified the source of the claim. The claimant XXXX XXXX  ) had my Name on the account, they had wrong address, wrong SS #, Wrong Email, Wrong telephone and wrong DOB. My complaint is with Equifax, I could not contact them with providing about 10 pieces of identification yet they put a claim on my credit report without any identified information other than my name.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I am writing to file a formal complaint against the three major credit reporting agencies, XXXX XXXX, XXXX XXXX, and Equifax Inc., for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies. 

I have identified multiple discrepancies and inaccuracies in the reporting of my personal information, including addresses, phone numbers, and employers, on my credit reports provided by these agencies. The only correct name and address that should be reporting are : Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX  XXXX, XXXX, IL XXXX However, the following information is inaccurate : Addresses : XXXX XXXX XXXX  XXXX , XXXX XXXX , IL  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - Residential Employers : XXXX XXXX XXXX XXXX These inaccuracies are not only damaging my creditworthiness but also infringing upon my rights as a consumer seeking fair and accurate credit reporting. As per the FCRA, I have the right to dispute any information contained in my credit report that I believe to be inaccurate. 

I have requested these credit reporting agencies to investigate these inaccuracies and delete these entries from my credit reports in accordance with Section 1681s2 ( a ) ( 1 ) ( E ) of the FCRA. However, these inaccuracies continue to be included in my credit reports, damaging my creditworthiness and infringing upon my rights as a consumer. 

I kindly request the CFPB to intervene in this matter and ensure that these credit reporting agencies comply with the FCRA. I also request that these agencies provide written confirmation of the removal of these inaccuracies within 30 days, as per Section 1681s2 ( a ) ( 3 ) of the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt action in rectifying these violations and upholding the standards set forth by the Fair Credit Reporting Act. 

Sincerely,
Consumer complaint received 2023-07-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (VA)

My father, XXXX XXXX, had two accounts with Wells Fargo, checking and savings. I was named beneficiary on the accounts in about XXXX. In XXXX I was named XXXX of Attorney. My father died XXXX XX/XX/XXXX. I called Wells Fargo to report his death and was instructed the accounts would be frozen, and that I should present a certified death certificate to access them. I took the death certificate to the branch at XXXX XXXX XXXX XXXX VA the second week of XX/XX/XXXX. The banker ( I did not document her name ) received the certificate and appeared to scan it into her system. She stated I was POA, which expired on death and that I could only access the account once I opened probate and was designated as personal representative. I questioned her and she asserted that I was only POA and had no standing to access the money. 

I retained the services of an attorney, paying a deposit from my personal funds. The sole reason for doing do was to secure release of the funds from Wells Fargo ; all other assets from other institutions having been released to my sister and me. There was no real or personal property involved. Upon receiving documents from the court naming me as personal representative, I made an appointment at the branch office, XXXX XX/XX/XXXX, at XXXX XXXX XXXX VA. I explained that I wanted to close the accounts and receive the funds. The banker started to process my request and asked who had told me I was not the beneficiary on the account ( obviously wondering why I had produced the court paperwork ). I told her that it was an employee at another branch. She then stated that I was, in fact, the beneficiary. She notified her XXXX and they indicated they would make an internal inquiry and note concern that I was not properly advised. I received a check for the funds that day. 

Because probate can not be stopped we had to continue through the process. My sister and I did not have use of the funds during that time ( until XX/XX/XXXX ). The attorney 's fees and associated costs of probate were {$3300.00}. I have been in communication with Wells Fargo 's XXXX XXXX on numerous occasions beginning in XXXX XXXX, requesting reimbursement for those expenses. The complaint has been closed numerous times, with instances of employees making misstatements about the case and implying I did not provide information they needed. The case is active again, but I have not been asked for any documentation about probate. Those details substantiate the amounts advanced for fees and also support our claim that probate was only necessitated by the inaccurate guidance given by the Wells Fargo employee in XX/XX/XXXX.