davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
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. (NY)

In XXXX, I purchased a vehicle from XXXX XXXX. It was financed by XXXX XXXX XXXX XXXX I Surrendered that vehicle in XX/XX/XXXX. It was always in the shop. XXXX XXXX and I reached a XXXX XXXX XXXX XXXX. According to our agreement payments will be processed the day received. However, XXXX XXXX XXXX have been reporting my payments late to the Credit Bureau. 
This is having a negative effect on my credit report. XXXX XXXX XXXX does not have a judgement against me it is an agreement which I have paid on time. 

According to the State Laws on time payments must be reoprted on time and it is also stated in our agreement. The agreement was to pay {$2300.00}. In XXXX I paid {$1200.00} and began paying the balance in XX/XX/XXXX and from then to XX/XX/XXXX payments have been paid on time. Please see the attached douments.
Consumer complaint received 2024-09-20
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. (SC)

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 informationisinaccurate.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Im sure I never miss payments, yet this company shows late payments for certain months. Per USC 1666b, billing errors should be fixed, and my account updated to show " paid as agreed. ''
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: Experian Information Solutions Inc. (FL)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Im sure Ive been paying on time, yet there are some months where Ive been reported as late, which shouldnt happen. USC 1666b states that any billing errors must be corrected and the account updated to show it was paid as agreed.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-20
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. (AZ)

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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

For the past few years I have been going back and forth with credit acceptance with the way they handled my loan.I was involved in an accident and my insurance company came and got the car from my possession.During this process insurance company needed the title to get rid of the car and credit acceptance and insurance company were both asking me for the title that I didnt have because credit acceptance had the title.I was charged almost XXXX for this title that I didnt have and because of me not sending the title I was given a voluntary repossession on my report even though the loan is 100 percent paid off.when I spoke to credit acceptance they agreed they made a mistake on there end but Im still left with this repo on my account I ask it to be removed from my account due to there mistake.This has been going on for a few years and they just realized they made a mistake.If you look at there replys from my old complaints they were asking for a title that once again they always had in there possession
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-09-20
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. (TX)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I sent a letter asking them to remove the charge off from credit profile because i never recieved a 1099 from the IRS since they charged off the debt they are reporting to my credit this is hurting me financially and hurting my score.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2024-10-09
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)

Sent Letter to company about Fraudulent account being removed from my credit report no response was given filed complaint with XXXX  Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
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: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-20
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: Experian Information Solutions Inc. (SC)

I have absolute frustration and anger at the way you've handled my complaint. I submitted a formal complaint to the CFPB on XX/XX/year> ( Complaint No. XXXX ), making it XXXX clear that certain accounts could be fraudulent and/or instances of identity theft. Even more importantly, I detailed how these accounts are inaccurately reporting and failing to meet certain FCRA criteria. 

Instead of doing your job and conducting a thorough investigation as I reasonably requested, you sent me a XXXX response on XX/XX/year>. Lets be real here the claim that " my CFPB complaint regarding reinvestigation does not appear to have been sent directly by me or authorized by me '' is a load of complete nonsense. I personally filed that XXXX complaint, and this XXXX " precautionary measure '' is nothing more than a stall tactic to delay addressing my concerns. 

Furthermore, your request for additional documentation including a copy of my ID, Social Security number, and proof of address is even more insulting. I ALREADY provided ALL of that as attachments in my initial complaint on XX/XX/year>. So, what exactly are you stalling for? Is this just a way to dodge responsibility? 

Go back and read the WHOLE Complaint No. XXXX and OPEN the attachments that were provided.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CARD Corporation (IL)

I at first did authorize the company " XXXX XXXX '' to charge my bank account utilizing my debit card in the amount of {$XXXX} in exchange for a service they were to provide to me namely providing me with an unlock code for my cellular phone. After waiting past the period of time I was told it would take for them to provide me that service without them ever providing it, they again charged my card an additional {$XXXX} without my authorization. So at this point I have been charged {$XXXX} for a service that I never received. I then contacted my banking institution to dispute these charges and was told it would be handled in XXXX business days and if it wasnt done investigating at that time, a provisional credit would be issued. After waiting XXXX business days and never receiving a credit or any correspondence from my bank, i proceeded to call and speak with the dispute department. I was told the investigation was still underway and by the end of day would have a provisional credit. The next day I still had not received a provisional credit so I called the bank again and was told I would have to wait XXXX to XXXX  days for the investigation to finish and was not going to be issued a provisional credit. According to regulation E, since this was a fraudulent company taking money from my account unauthorized, ( the {$XXXX} charge ), and because I never received the service I was told would be provided for the {$XXXX} charge, I am entitled to a dispute where an investigation takes place and if it takes longer than XXXX business days then im entitled to a provisional credit. The name of the banking institution is XXXX XXXX XXXX, XXXX. utilizing my card.com account.
Consumer complaint received 2024-11-12
Product: Mortgage — Other type of 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: FORTIFI FUNDING III LLC (CA)

I am submitting a formal complaint regarding XXXX XXXX XXXX XXXX XXXX ( doing business as FortiFI ) for engaging in unfair business practices, neglecting consumer protection obligations, and allowing price gouging in connection with my PACE loan for home improvements. FortiFI provided {$77000.00} in financing to XXXX XXXX XXXX on XX/XX/XXXX, without adequate assessment or safeguards. This failure to ensure fair practices led to excessive pricing and predatory tactics used by XXXX XXXX, which FortiFI permitted to participate in the PACE program. 
XXXX XXXX applied high-pressure tactics to secure my agreement to the loan from FortiFI, claiming it was necessary for home improvements. FortiFI not only released funds to XXXX without verifying the validity of the assessment but also failed to monitor the transaction to prevent price gouging. Recently, FortiFI issued XXXX checks to me to address overcharges on the assessment, yet this action does not rectify the inflated initial loan amount or mitigate the substantial financial burden I have borne since XXXX, as I have paid taxes and interest on this loan for over five years.

Despite my repeated complaints and the existence of numerous allegations against XXXX, FortiFI has not canceled my loan. On XX/XX/XXXX, the California Department of Financial Protection and Innovation ( DFPI ) issued a Desist and Refrain Order against XXXX XXXX due to fraudulent activity. Yet, FortiFI has avoided responsibility for failing to properly vet or oversee XXXX practices. In my DFPI complaint dated XX/XX/XXXX, FortiFI acknowledged that XXXX XXXX held a current and active CSLB license. However, despite this, FortiFI allowed XXXX to receive loan funds without officially enrolling them in the PACE program, placing me and others at risk of financial harm. 
Given these factors, I believe FortiFI has failed in its consumer protection obligations and violated my rights as a borrower under several laws, including : California Business and Professions Code 17200 ( Unfair Competition Law - UCL ) Truth in Lending Act ( TILA ) Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) I request that the CFPB investigate FortiFIs business practices, particularly their lack of oversight and approval of unjustified charges. I am also requesting that FortiFI cancel my loan entirely to address the financial harm caused by their facilitation of this inflated and predatory transaction. 
Thank you for your attention to this matter.
Consumer complaint received 2024-10-09
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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-11-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: ECMC GROUP, INC. (CA)

XXXXECMC This account was created XX/XX/XXXX. XXXX XXXX devastated 80 % of XXXX XXXX XXXX on XX/XX/XXXX, 80 days after this account was originated. I was enrolled at that time- I was unable to continue my education- I made 17 months of XXXX XXXX  payments- I had to file Bankruptcy in ( XXXX ) because I was still having issues trying to PIECE my life back together. I left XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX CLOSED on XX/XX/XXXX for an XXXX  period.
Consumer complaint received 2024-11-15
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. (MD)

I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

I was shocked to find inaccurate accounts on my credit report this morning, and I have no idea how they got there. I check my credit report regularly, and this time, out of nowhere, there were errors. I even tried refreshing the page, hoping it was just a glitch, but the inaccuracies remained. Because of this, I'm asking for a thorough review of the documents I've submitted so I can finally stop worrying about this issue.
Consumer complaint received 2024-09-20
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: Experian Information Solutions Inc. (FL)

I have two unauthorized inquiries on my credit report ( 1 ) XXXX XXXX XX/XX/XXXX. ( 2 ) XXXX XXXX XX/XX/XXXX XXXX. I have informed all three credit agencies about these unauthorized inquiries requested that they be removed, but they failed to do so. I had no dealings or any type of business with these institutions, I do not recognize any of these inquiries and I would like the removed from my credit reports. I have also attached a identity thief report along with my identification. Furthermore, I also submitted an old identity thief report that happen with an inquiry that was reported and removed dealing with XXXX XXXX. So why is this happening again! Please removed this from my credit reports. Thank you.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION ()

I applied for a personal loan thru my local bank and was notified at this time that there was a Capitol One Credit Card on my credit bureau that was showing as a bad debt. I contacted Capitol One immediately and notified them that this was not my account and that it was fraudulent. They conducted an investigation and stated that this was my account and I asked them how they are linking this account to me and there has not been one person that can give me a reason as to why they are linking this credit card to me. I have told them over and over again that this is not my account. I have never applied for a Capitol One credit card nor have I ever received a Capitol One credit card. This was done fraudulent and is not my account.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (SC)

I had unauthorized charges on my Wells Fargo credit card so often that I had requested and had my card replaced 3-4 times in a 6 month period. In fact the last time I received a replacement Wells Fargo credit card, I did not activate the new card and still had unknown unauthorized charges applied. I told fraud people it had to be someone inside Wells Fargo. 
All those fraud claims I made and new cards issued, I believe caused Wells Fargo to increase my card interest rate.