davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-22
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. (LA)

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX  XXXX However, they stated everything was complete and accurate. But how is that possible if the High Balance, last verified, closed date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. So How n the XXXX is there a balance on a charged off account? According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my cas
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

Credit reports are showing blank when lenders attempt an inquiry. 

I am a military veteran returning home after my final tour overseas. Despite having fair credit, no debt and outstanding debt-to-income ratios, applications have been rejected for VA home loan pre-approval because lenders only see a blank credit report ( XX/XX/2019, XX/XX/2019 and XX/XX/2019 ). I can only assume that there is a " lock '' or " freeze '' on my accounts ( which I have NEVER requested ), as numerous attempts to contact Equifax, XXXX and XXXX via their on-line and telephone contacts have only resulted in requests to physically mail copies of my personally-identifiable information. 

On or about XX/XX/2019, I mailed copies of the requested identifiers to these three companies along with a hand-written note requesting the REMOVAL of any and all credit locks, freezes, fraud-alerts or holds that may be affecting these lenders ability to view my lengthy credit history, which resulted in two post-card responses from XXXX   and XXXX requesting that I physically mail certain identifiers to communicate with them. Now, my credit report shows the " requested '' fraud-alert and security freeze that XXXX NEVER requested from XXXX and Equifax ( XXXX 's note area show no remarks ).

This entire charade is made even more difficult because as an over-seas returnee, all of my household goods ( printed records ) are boxed up and awaiting a residence to be delivered to, and my DoD-mandated overseas banking institution has deleted my account as required ( digital records ), so I can not easily prove any payment history to anyone. I am now homeless with my wife and XXXX XXXX children, despite having a military retirement pension and a good paying job. Thankfully, my elderly father has allowed us to stay with him. 

Please assist in " penetrating the bureaucracy '' with these megalith corporations which make contact a federal affair. 

Thank you, XXXX XXXXXXXX XXXX, XXXX ( XXXX. )
Consumer complaint received 2023-01-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (AL)

The interest was to high for the Vehicle. The cost of my vehicle was XXXX. I was charge another XXXX in interest. It's a rip off for a Use truck 2016. Yes want to be part of this Settlement. Thank you
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing to report inaccurate information on my consumer reports from XXXX, XXXX, and Equifax, resulting from identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I did not authorize the inclusion of these transactions on my reports. This is my official request that this account be permanently blocked and removed, as it is reporting adverse 30-day or more late payments. This is inconsistent with the record, which shows a payment made in the prior month. Additionally, there are discrepancies between the account numbers and account names. This incorrect information is harming my ability to obtain new credit. See attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (IL)

On XX/XX/23, I noticed my credit score went down XXXX points which was alarming as I've been paying my chase credit card on time and I have not been using it. I noticed there were XXXX hard checks done by XXXX XXXX and XXXX  XXXX XXXX and I did not contact those banks to open credit cards. I only have one card and I only need one card. The next day, there was also a credit check from XXXX XXXX  XXXX I contacted the companies and they sent me to the credit bureaus to try and call them. I believe I was able to put a freeze on my credit accounts but I need these credit checks off my record. This has never happened to me before so I want to ensure I am taking the right steps to protect myself as well as get these off my record.
Consumer complaint received 2024-11-02
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)

Upon recent review, I noticed that my closed XXXX account is not being reported consistently across all three credit bureaus. Some bureaus have listed late payments added in XXXX, despite the account being closed in XXXX. According to the XXXX XXXX guidelines, which require standardized and accurate reporting for consumer accounts, the addition of new late payments on a closed account is both erroneous and misleading.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Fraud Under the Alias of XXXX, USER TRIED TO OPEN A DEPOSIT ACCOUNT THROUGH BANK OF AMERICA, I WAS EMAILED ON XX/XX/23 OF THE DECISIONS THAT BANK OF AMERICA DECLINED MY APPLICATION. I HAVE NEVER BANKED W/ THEM, NOR HAVE I TRIED TO, I DID CALL THE FRAUD NUMBER, AND I ALSO EMAILDED THE FRAUD DEPTARTMENT, FORWARDING THE MESSAGES TO THEM. I SPOKE TO SOMEONE ON THE PHONE AND GAVE THEM MY CORRECT PHONE NUMBER, THEY HAD A DIFFERENT NUMBER ON HAND. 2 DAYS LATER I RECIEVED A CALL W/ AN ACCESS CODE,,, ( THINK THE FRAUDULANT TRIED TO ACCESS, THANKFULLY I CHANGED THE PHONE NUMBER. I HAVE SINCE PULLED MY CREDIT AND HAVE UPDATED MY INFORMATION TO NOT INCLUDE PHONE NUMBERS AND ALIAS. COUPLE MONTHS AGO ALSO GOT A STATEMENT IN THE MAIL THAT I APPLIED FOR A " XXXX  '' CREDIT CARD USING THE SAME ALIAS " XXXX '' AND JUST TODAY MY PLACE OF EMPLOYEMENT RECIED SAME 'XXXX  '' FOR UNEMPLOYMENT WHICH I DID NOT FILE OHIO DEPARTMENT OF JOB AND FAMILY SERVICES.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One is using unfair predatory practices. 
I have enrolled in their program to bring my card status current in the amount of {$150.00} with a balance of XXXX. I have paid my portions and stuck to their payment plan, ON TIME, Capital One continues to report late. I have asked Supervisor, XXXX # ID XXXX, at the end of the 3 month payment plan, my late charges be removed and updated with the credit bureaus and her response was no, and that Capital One will continue to report late until XXXX mo have been completed, and the Lates will not be removed from reports, even after the plan has been completed successfully, which has continually dropped my scores by XXXX points. 
I am upholding my end of the payment plan, working on my credit improvement and XXXX. is not. I explained to Supervisor that maybe Capital One should have a recording in full-understandable English. It was very hard to understand the agent 's thick heavy accent.
Consumer complaint received 2019-03-20
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: Nelnet, Inc. (CO)

XXXX and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the XXXX bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2023-07-20
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. (NC)

XX/XX/XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Authorized User Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon.
Consumer complaint received 2023-07-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (TN)

I co-signed for a vehicle for an ex, went to court over the vehicle and judge instructed she had to get it refinanced, under that clause I was also not legally responsible any longer. more time goes by and i get calls from the lender, ( how are you planning on paying this, do you intend to keep the vehicle etc.. ) after explaining to them several times she wrecked the vehicle XXXX XXXX XXXX XXXX XXXX XXXX she's currently in XXXX, there was no insurance report so i'm guessing XXXX XXXX XXXX XXXX XXXX  and also wrecked it again, I also have court documentation proving my side of everything and they still charged my credit. I want this fixed ASAP.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to formally request the removal of specific fraudulent accounts and inquiries from my credit report. I am a victim of a recent data breach, resulting in unauthorized accounts and inquiries on my report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit history. 
Fraudulent Accounts : 1. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$2100.00} 2. XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} 3. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$2100.00} 4. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$9600.00} 5. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$2000.00} Fraudulent Inquiries : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2021-08-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: ALLY FINANCIAL INC. (CA)

Ally Financial illegally repossessed my vehicle through a third party debt collection service on XX/XX/2021. They violated my privacy by coming onto my property and stealing my car and selling it w/o my consent. The company continued to call and harass me illegally through XXXX XXXX after the matter. I have compiled exhibits to show evidence of the matter at hand. Also when purchasing the vehicle the bank coerced me into payments on the vehicle when pursuant to 15 USC 1605 ( a ) the " finance charge '' is defined as the sum of all charges. I also paid {$2000.00} cash down during a consumer credit transaction.
Consumer complaint received 2020-11-27
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: VW Credit, Inc (NH)

I signed up for Auto pay with VW Credit. They had my checking account information for this purpose. The multiple monthly payments were automatically deducted. Come XX/XX/2019, unbeknownst to me, the payment was not automatically withdrawn. Fast forward to XX/XX/2019, I get an alert stating my credit went down 70 points!! I see on my credit report that I was over 60 days in late payment to VW Credit. I called VW credit and talked to them about it. They said I wasn't enrolled in automatic payments. I told them this was untrue as payments were automatically deducted from my checking account. I finally got a supervisor and she admitted that " there must of been a computer glitch ''. However, she said she could not fix it herself. I would have to contact the credit bureaus. Which I did MULTIPLE times -- only XXXX, and XXXX updated their records to correct that I was NEVER late. In fact, not only was I not late, I paid off the 3 year lease, nearly 3 years early! I only owe 2 payments left out of a 36 month lease. I never bothered to look to see if my payment was deducted because I felt like I didn't have to as I keep plenty of money in that account. XXXX  refuses to fix this. I have filed complaints with them 4 to 5 different times and all they do is just send me a copy of my credit report. Because they would not fix this in XXXX XXXX XXXX I went ahead and paid off the lease minus 2 payments because I did not trust that VW Credit would take out my automatic payments. I pay ALL my bills on time. I take my credit very seriously. I am trying to buy a home in Florida and this strike on my XXXX  credit report affects me getting a better interest rate!! They are horrible. They say they will look into it but they really never do. They just print out a copy of my credit report. The other companies found in my favor and CORRECTED the late payment in XX/XX/2019. I have been battling this for over a year now. Should I get a lawyer? It is principle for me. I pay off all my debts ON TIME. XXXX is too lazy or they just don't care! Can you please help me get this bad mark of my credit report. I am at my wits end. Thank you for taking the time to review my case.
Consumer complaint received 2023-01-21
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 XXXX XXXX XXXX. 
Account 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  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 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 2020-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (MN)

My wife and I recently discovered that Citibank has been charging us monthly for a program called XXXX XXXX, a program we never signed up for or agreed to have. Apparently, Citibank put me in this XXXX XXXX program in XX/XX/XXXX. Only recently, I have started to closely monitor my finances using XXXX. I called XXXX XXXX ( who is an agent of Citibank ), and discovered, to my dismay, that I have amassed over {$6300.00} in debt for this program! This does NOT even include the interest that I have been paying! 

Naturally, I asked Citibank to immediately cancel this program ( which they did ) and refund me all of the charges ( they did not ). Consequently. I turned to the Minnesota Attorney Generals office, who sent a letter to Citibank on XX/XX/XXXX. 

Citibank made this statement in their formal response : Due to the length of time your account was enrolled in the program and the prior communications that were sent to you, which included messages every month on your billing statements as a reminder of enrollment, we must decline your request for a refund. 

Basically, they are saying that because they were able to trick us for so long, they should be able to get away with it. The XXXX XXXX charges were different month to month, and were buried among all the other obscure taxes and charges. 

Naturally, Citibank has NO proof that I signed up for this program. No signature. No recording of me agreeing to this program. Nothing. Moreover, in XX/XX/XXXX, when this card was opened, I was about to enter the hospital for an extended period of time. That marked the beginning of a very dark period for me in terms of my physical and financial health. 

It bears noting that at present, my ENTIRE balance at Citibank is solely comprised of XXXX XXXX charges, and nothing else. This month, I paid {$72.00} in interest on this bogus program.