davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against XXXX, XXXX, and Equifax for their refusal to allow me to dispute inaccurate information on my credit report. I have tried multiple times to dispute the inaccurate information, but to no avail. This has caused significant harm to my credit score and has affected my ability to obtain credit or loans. 

I have followed the proper procedures outlined by the credit reporting agencies, including sending in written disputes and providing supporting documentation. However, the credit reporting agencies have failed to correct the inaccurate information on my credit report, despite my repeated attempts. 

As a consumer, I have the right to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). This law requires credit reporting agencies to investigate and correct any inaccurate information on consumers ' credit reports. However, the credit reporting agencies in question have failed to comply with this law. 

I urge the CFPB to investigate this matter and take appropriate action to ensure that the credit reporting agencies comply with the FCRA. I also request that the inaccurate information on my credit report be removed as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

WELLS FARGO XXXX
Consumer complaint received 2024-09-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My father passed on XXXX  XXXX, XXXX  in XXXX  at his rehabilitative home. On Friday, XX/XX/2024 I went to Bank of America in XXXX, XXXX  to try to close my fathers bank account as I had to open an estate account to settle any past claims on his estate. I was told because it was a guardianship account the lawyer would need to close the account. An appointment was made at the Bank of America located at XXXX XXXX XXXX XXXX  XXXX  location, where my fathers guardian opened his account. On XX/XX/2024 the guardian " XXXX '' and myself attended this appointment to close the account and for a check to be issued to his estate. The bank manager XXXX XXXX handled the appointment. She called XXXX XXXX to ask all of what was need to successfully close the account. All documentation to include the death certificate, my birth certificate, marriage license ( different last name ) and small estate probate administrator order stating I was now the administrator of his estate was given and provided. The account closure form was also presented from the guardian. I was told the check from the closed account would be mailed to my home address in 10 business days. I received a letter in the mail approximately 2 weeks after the appointment stating I had to provide documentation. The lawyer and I were in person and provided all requested documents. I called BOA to ask what additional documents were needed and was told by XXXX XXXX an order from a judge ending the guardianship. I explained the guardianship ended once my father was deceased and I have a court ordered estate administrator document. They still would not let me close the account or receive the funds to settle the estate. It has been 4 months since my father passed away. I wrote a complaint, none has contacted me to resolve the issue. The account case manager was extremely rude so I filed a complaint. I called the Bank of America where the lawyer and I went to close the account to speak with the bank manager who assisted in trying to close the account, I have called her twice and received no phone calls back. This is the most unprofessional dealing I have had regarding my father 's passing and it is devastating!!! I am distraught and having emotional distress as to how I am being treated. A Bank of America phone associate was called on XXXX XXXX and stated this document isn't typically requested : an order from a judge only the administrator of the estate. I want to close my father 's bank account, be issued the check from his account so I can settle his estate.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American First Finance, Inc. (MO)

I am filing this complaint because American First Finance ( AFF ) has inaccurately reported information on my credit report for over a year, causing significant harm to my creditworthiness and financial situation. Specifically, AFF has reported multiple " charge-offs '' for the same account ( Account # XXXX ), which I believe is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

Details : I originally had an account with AFF ( Account # XXXX ), which has been reported on my credit report. 

American First Finance has been reporting the account as charged off for over 16 consecutive months. This is inaccurate, as a charge-off should be reported only once, not repeatedly each month. 

The continuous reporting of this account as charged off has significantly damaged my credit score and led to multiple credit denials. 

I sent a notice of dispute to American First Finance regarding the inaccurate reporting of these charge-offs. 

American First Finance responded to my dispute and validated the debt, stating that they are reporting the account correctly. However, I believe they are continuing to report inaccurate information, as the same charge-off is being reported monthly, making it appear as though the account is repeatedly delinquent. 

The prolonged reporting of these inaccuracies has caused emotional distress and financial harm due to my inability to secure credit.
Consumer complaint received 2024-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

Aidvantage sent me a letter stating it will " not honor '' the payoff check of my student loans. I sent in a check ( check # XXXX ) for {$45000.00} for the complete loan payoff amount for XXXX on XX/XX/year>. I provided specific directions that this was to be the payoff amount. These directions were word for word the specific directions provided to me by Aidvantage to payoff my loan. The check was received by Aidvantage on XX/XX/year>. However, Aidvantage is still show that I owe my student loans. Correct this now and provide me a check for overpayment in the amount of {$0.00}. See XXXX
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$780.00} U S DEPT OF EDXXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One refuses to release the available credit until XX/XX/2024. They say until the payment clears through the bank the payment has cleared and they still refused to release available credit theyre holding {$300.00} of mine as a deposit. My account is at a XXXX balance my bank has verified the payment cleared. My bank app shows that it cleared, Capital One refuses to release those funds. This is in direct violation of their own policy and banking laws. There is no reason for them to hold my funds or available credit for two reasons one I have a deposit with them to my payment to XXXX out the balance has cleared Three Ive used the same bank to make this payment numerous times this needs to be addressed. They need to be fined what theyre doing is hindering me from paying other bills unfortunately I live on credit. This is not OK so now my other bills are gon na be late because I used my last {$380.00} to pay capital one they need to release my available credit now so I dont get assessed late fees on everything else
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (IL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (MI)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 2024-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

The Toyota Financial Services page made a double payment on my account before the screen was even loaded. I called customer service immediately when it happened ( XX/XX/XXXX ). The customer service rep told me they couldnt interact with the payment until it processed but they put a note in and said the over paid amount would be refunded to me once it processed. I waited a few days for the refund and when it didnt appear I called back. The second customer service rep told me I had to wait 10 days after the payment posted on ( XX/XX/XXXX ) to file for a refund. Then it would take 7-10 days for the refund. I explained what happened and what the first rep told me. I was told there is nothing that can be done on their end until the XXXX of XXXX. I asked why the first person lied to me and was told there was a note of a call but no details on the first call. They told me I could dispute it with my bank but then it would appear as a late payment. The lady then just ignored what I said and said good day and ended the call.
Consumer complaint received 2024-10-07
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)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (WV)

Lvnv or whatever that group is called I never signed an agreement or got a loan from them personally they can not prove that I did because I did not they're trying to get money for something we did not legally sign into contract together and they bought this from a different company or something therefore I want it deleted from my credit please.
Consumer complaint received 2024-10-07
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. (NE)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX I need my dispute claim Claim Reference Number : and Claim Reference Number : XXXX and Claim number XXXX to reopen and reinvestigated and appeal because I disagree with the dispute decision because I did contact the business but they couldnt help me they say to contact my bank to dispute. My name is XXXX XXXX XXXX and contact me at XXXX and update for both claims y'all never send me my reject denied letters so please resend me both of them in the mail to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX for both claims and upload those two rejected letters to the complaint respond because I never got them and I don't know why they both got denied and closed out for without a letter stating the reason for both claims so I want y'all to reopen my two claims and investigate it again and give me a credit for it for both of them in mail by a check to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because the account is closed out I want a check for both claims for the total amount etc. My name is XXXX XXXX XXXX and contact me at XXXX XXXX
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I had recently opened a checking and saving account with Citi bank on XX/XX/XXXX I was able to use my account and debit card without any problems until one day I got a 2nd debit card in the mail I did not no it was linked to my current checking account I was confused and called Citi bank to report that I received a card that I did not opened i later realized this card was linked my account that I already had with them and told them it was a misunderstanding they later locked my account without any reason Ive also been to the branch and they people there is telling me I have to call and speak with Citi fraud department to fix this but whenever I call they refuse to help me and they keep telling me my phone number is not verified under my name and they cant verify me but my is verified with all 3 credit bureau there not providing me any information are a way I can fix this issue I feel like Im being lied to and there simply just trying to keep my money its been over 64 days and my money has been frozen my card and and online access isnt working either I have over {$8500.00} in my citi checking account
Consumer complaint received 2024-10-07
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)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-08
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: DISCOVER BANK (NC)

Purchased around {$500.00} of merchandise from a company that never sent my order. I have tried to contact them about 6 times with no response. They will not refund me. Requested a chargeback with Discover, and they resolved the dispute in my favor for ONE charge from the company, but the other two were not resolved in my favor. I called Discover again in XXXX, and they said they would escalate my dispute and I have yet to hear anything. 

The company I ordered from, I learned, is notorious for taking money & never delivering their product. They have many bad reviews on XXXX XXXX. They are a XXXX based company, and their company dissolved in 2019 according to public XXXX gov company information. This business still operates on various social media platforms ( I'm assuming illegally ). My dispute has gone nowhere because the seller will not answer my credit card company, which means Discover automatically sides with the merchant.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (GA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXXXX/XX/year>