davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
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: TD BANK US HOLDING COMPANY (TX)

I am writing to dispute the inaccurate and unlawful reporting of an account from TD Auto Finance, reflected on my credit report. This account, with number XXXX, was charged off and subsequently paid in full ; however, I never received a 1099-C form for the canceled debt. As this form is required by the IRS to report forgiven debt, the failure to provide it constitutes tax fraud. I have been advised by the IRS to file Form 3949-A to report this violation. Additionally, TD Auto Finance has failed to follow proper UCC ( Uniform Commercial Code ) regulations with respect to the repossession of the vehicle associated with this account, further invalidating the legitimacy of the reported information. Moreover, a previous dispute letter dated XX/XX/year>, which I have attached for your reference, notified you that TD Auto Finances business registration in Texas is currently inactive, and their right to conduct business within the state has been forfeited. Since the company lacks the legal authority to operate in Texas, it can not lawfully engage in activities such as reporting debts to credit bureaus. I have also included XXXX XXXX XXXX to confirm their inactive status. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), you are required to ensure that all information reported on credit files is 100 % accurate. Due to the discrepancies mentionedspecifically the missing 1099-C, violations of UCC regulations , and the forfeited legal status of TD Auto Financethe continued presence of this account on my credit report is unlawful and misleading. Therefore, I demand the immediate removal of this account from my credit file. Please be advised that failure to remove this inaccurate account within 30 days will result in further actions, including filing complaints and pursuing legal remedies for damages. I expect written confirmation of the accounts removal within the timeframe required by law.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

I made a purchase via XXXX XXXX  to get a service done on XXXX XXXX XXXX for XXXX using my connected Wells Fargo debit card. That service ended up being a scam so I filed a claim with my bank first and then XXXX XXXX. My bank gave me a provisional credit while they investigated the claim, they then denied, they reversed the provisional credit they gave me. It took a couple months before I heard back from XXXX and they told me that my claim was approved and told me they refunded the money back to that bank account on XX/XX/year> but the only problem is I dont have access to that bank account any longer. That bank account has been shut down and there is no way for me to receive the money that was supposed to be returned from that claim. I called my bank that was connected to XXXX and was told that they couldnt accept money for a closed bank account and that the funds XXXX  had sent to them had been reversed back. I then contacted XXXX  and was told there was nothing they could do that they indeed did refund that transaction and they did not receive a reversed payment back from my bank. Im really lost what to do from here XXXX is saying they refunded that claim but Wells Fargo is saying they cant give me this money essentially because my bank account got closed. My bank account was unfairly closed because of that fraudulent charge that Wells Fargo denied my claim on and them reversing their provisional credit and now that I the merchant i filed a claim with approved it I am no longer able to receive my funds because Wells Fargo is holding my money hostage and saying they pretty much cant do anything to help me. The phone number on my complaint is wrong I am able to be reached at XXXX thank you
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX around XXXX - XXXX I attempted to withdraw cash from an ATM at XXXX XXXX XXXX . The amount I attempted to withdraw was {$200.00}. There was also a {$3.00} processing fee which brought the full amount to {$200.00}. The ATM processed the withdrawal : however, The cash was never dispensed from the ATM. The ATM displayed a message that was along the lines of This machine has an error, please contact your bank. The ATM did not generate a receipt for me as well. 

I attempted to contact my bank, Truist, which in turn they told me to file a complaint when the pending charges of {$200.00}. Would officially post to my account. 

The {$200.00} officially post to my account on XX/XX/XXXX. When I saw that this was posted, I instantly called Truist and they put in a dispute for me for the banking error that happened with XXXX XXXX XXXX  ATM. Truist would gave me a credit for this issue on XX/XX/XXXX of {$200.00}. 

On XX/XX/XXXX. I checked my bank account with Truist and I saw that Truist had taken away the credit of {$200.00}. Confused by this, I gave Truist a call on XX/XX/XXXX and they informed me that my claim dispute was denied as they determined that the funds were given by the ATM. I informed them I never received the funds, hence why I called in the first place. They could not give me a reason as to what they saw determined that I got the funds or not from the ATM. I asked what my next course of action was and they told me to call XXXX XXXX XXXX  to get documents that this happened. 

I instantly called XXXX XXXX XXXX, explained the situation to them, and they informed me they could not give me any documents. Truist informed me that they would look into this again, but they said they can not make any promises. 

That was the last update on this situation.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

I am requesting XXXX XXXX account XXXX XXXXXXXX be removed from my credit report due to inaccuracy and false reporting. XXXX XXXX, XXXX and Equifax are reporting completely different payment history profiles due to this inaccuracy please remove whole account from my report immediately. 


ALSO XXXX XXXX HAS A 2ND ACCOUNT ENDING IN XXXX XXXXXXXX REPORTING INCORRECT INFORMATION AS WELL XXXX XXXX reports good payment history as for XXXX is reporting charge off XXXX when Eqifax is reporting good payment XXXX history for same time periods please remove whole account due to inaccuracy.
Consumer complaint received 2024-10-29
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: DISCOVER BANK (KY)

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts :, DISCOVER BANK number : XXXX date XX/XX/year> XX/XX/year> XXXXFurthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Consumer complaint received 2024-09-26
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: NAVY FEDERAL CREDIT UNION (GA)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services (FL)

I purchase a car that I was leasing before, the purchase price includes Extended limited warranty, prepaid maintenance, tire and wheel protection, and gap protection totaling {$11.00}, XXXX. I toke the car for service at the Mercedes Benz of XXXX XXXX, and they do not want to honor my prepaid fees, but still charging for that every month with my car payment loan
Consumer complaint received 2024-10-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TX)

XXXX I received a text message asking for me to verify a XXXX transaction and I of course did not recognize the transaction and so I replied as so and then received a phone call from someone who claimed to be with wells fargo fraud department and after an hour on the phone with them going through a process that seemed to be resolving the issue getting the funds moved to a secure account so that the account was no longer at risk there was a wire transfer initiated however the entire time I was scammed by a fraudulent person claiming and posing to be with wells fargo fraud and come to find out they were using me to get into my account and wire the money to them. I filed with Wells fargo and they were very very unhelpful and never called to update me on the process of recovering the funds even when I called back multiple times to check for an update they instead mailed a letter saying that as far as they were concerned the case was closed and funds would not be returned. They didnt even take the time to find out what truly happened and did nothing to protect or get the funds back or stopped.
Consumer complaint received 2024-09-25
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-25
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/year> - AMOUNT {$180.00}
Consumer complaint received 2024-09-25
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (DE)

We have a mortgage with Carrington Mortgage services. They took over our mortgage in XXXX from XXXX XXXX XXXXXXXX. Our mortgage almost doubled and we have been battling with them since to try to come to a reasonable mortgage amount. In XXXX I XXXX XXXX XXXX, and my husband XXXX XXXX so our income decreased drastically. We requested a loan modification and were granted one with even higher payments. We appealed and received another modification which was even higher. We appealed again. This was XXXX and COVID hit. We were granted a mortgage hardship and did not have to make any payments for a period of time. In XXXX Carrington put us on a payment plan which allowed us to pay {$790.00} a month for XXXX XXXX and they would reconsider us for another modification again. In XXXX after XXXX XXXX was up, they gave us another modification and the payments were even higher. We explained we could not afford these payments and requested them to offer other alternatives which we were told there were no other alternatives but to come up with the back payments owed and then our mortgage would not go any lower. They claimed it was not a Carrington decision but it was XXXX who was enforcing this decision. I do not believe XXXX would do this to us and force us out of our home. I know it is XXXX 's goal to keep the homeowner in their home, so Carrington is trying to get out of it by passing the blame. 
I am submitting this complaint because I feel there is something that can be done for XXXX who have lived in their home for XXXX XXXX and the home should be paid off, but because the banks were in trouble, we got caught up in their mess and now we are the ones who suffer while they were bailed out with millions of dollars. 
We have offered to make payments, actually since XXXX, I have been sending payments of XXXX and for XX/XX/XXXX, I sent them {$2000.00}. We were told the payments were not going to be accepted but I have only received one check back as of date. 
Please if there is any help available, please help. We are not in any condition at this point in our lives to leave our home and we are willing to make payments, just not {$3800.00} per month. 
Thank you for your help.
Consumer complaint received 2024-09-14
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against Equifax for Misuse of Credit Report Dear CFPB, I am writing to formally lodge a complaint against Equifax regarding the repeated misuse of my credit report. This is the second time that Equifax has closed my positive XXXX XXXX  credit card account without proper justification, adversely affecting my credit score and financial stability. 

Details of the incidents are as follows : 1. **First Incident** : XX/XX/year> XXXX. **Second Incident** : XXXX, XXXX 2024 I believe that these actions are unjust and detrimental to my credit history. I have made timely payments and maintained a responsible credit usage pattern. I request that the CFPB investigate this matter and take appropriate action to prevent further misuse of my credit information by Equifax. 

Please let me know if you require any further information to assist in this investigation. 

Thank you for your attention to this matter. 

Sincerely, CFPB EQUIFAX CONTINUES TO MESS WITH MY CREDIT REPORT CLEARLY THIS IS A VIOLATION OF THE FCRA PLEASE HOLD THEM ACCOUNTABLE FOR THIS ACTION. ALSO BY EQUIFAX DOING THIS IT EFFECTS MY XXXX SCORE AS WELL
Consumer complaint received 2024-10-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (SC)

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> National Credit Adjusters , LLC XXXX XXXX XXXX XXXX XXXX, KS XXXX Account Number : XXXX Dear XXXX XXXX XXXX, I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am requesting that you provide me with validation of the debt in question. 
I dispute the validity of this debt and request that you provide the following information : XXXX. Verification of the amount of the debt, including a detailed breakdown of all charges and fees. 
XXXX. Verification that you are licensed to collect debts in my state. 
XXXX. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt. 
XXXX. A complete payment history, detailing all payments made and any credits applied to the account. 
XXXX. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt. 
Please note that my request is not an acknowledgment of the debts validity. I am simply exercising my rights under the FDCPA to obtain verification and validation of the debt. Until such time as you provide the requested information, I am requesting that you cease all collection efforts and refrain from contacting me regarding this matter. 
Please provide the requested information within 30 days of your receipt of this letter. Failure to do so will result in my assumption that this debt is not valid, and I will take appropriate action to protect my rights. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-25
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - XXXX Reported XX/XX/year> - BALANCE {$3600.00}
Consumer complaint received 2024-09-25
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. (WI)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-19
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: Experian Information Solutions Inc. (IN)

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.