davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
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 filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XXXX, and I have not yet received a response.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Attempted to contact reporting agencies about injuries, they were no help. received many automated messages. Experian file was compromised with unrecognized/unauthorized inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On    XXXX   XXXX   2016 m ailed  3 forms to all  XXXX  bureaus Experia n  XXXX .  XXXX   XXXX   XXXX , TX  XXXX .  XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , PA  XXXX  with  2 forms of ID and a Utility bill. I have reviewed my credit report and found informatio n and accounts that I do not recognize that may be a result of Identity Theft. As such, I am exercising my consumer right to demand a full investigation immediately. According to the Fair Credit Reporting  Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify any and all accounts you post on a credit report, otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( a consumer contract with my signature on it ) you have on file of the account ( s ) listed below. These accounts are showing as late, and are incorrect. The following accounts need to remove the late showing immediately .   Name Of Account Account Number Please Provide Physical Verification   XXXX   XXXX   XXXX    XXXX    UNVERIFIED COLLECTION    XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX    UNVERIFIED COLLECTION   XXXX   XXXX    XXXX    UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX    UNVERIFIED COLLECTION    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   UNVERIFIED BANKRUPTCY   XXXX   XXXX   XXXX   XXXX    UNVERIFIED BANKRUPTCY  I have not received any corresponding mail from Experian or  XXXX  regarding my request to To verify That these accounts belong to me.
Consumer complaint received 2017-05-11
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. (CA)

In   XX/XX/XXXX  I  reviewed my credit report and a  XXXX  account that I did not recognize was reporting on my credit report as a charge off with a    XXXX   XXXX   bal ance. I was informed that I could get a loan with this unpaid charge off on my credit report. I challenged the account with the credit bureaus and Equifax and   XXXX   verified the account.  XXXX  stopped reporting the account. Equifax and  XXXX  referred me to  XXXX . O n  XX/XX/XXXX   I  w rote my first letter to  XXXX  asking for validation of the debt with information on the origins of the account, date opened, date of first deliquency, what was purchased and proof that I opened the account. I was concerned that my identity might have been compromised. I received a generic letter back from  XXXX  in essence stating that the account was charged off and that the balance is {$24000.00}. No information that ensured me that I opened this account or that it belongs to me. I would think that I would remember charging up {$24000.00}. For the record, I do not believe I did.     I have sent two other letters, ( one on   XX/XX/XXXX  and the other on  XX/XX/XXXX  ) s tating that I believe that the  XXXX  account was opened without my knowledge or consent.  XXXX  has not responded to either letters. Equifax and  XXXX  continue to report the account as a open charge off with balance from  XXXX .     It has now been 8 months and I wrote  XXXX  a letter on   XX/XX/XXXX  to c ease all reporting of this account for failure to send me needed documents to show how I have a financial obligation the  XXXX   Credit Cards. S ince this is now my  4th let ter, I can not waste anymore time. I have given them 10 days from receipt to either to remove the reporting or send all paperwork that illustrates that this account is mine. I feel that  XXXX  is breaking the law by not sending me required information so that I can make an educated decision on what to do next. I feel  XXXX  is being punitive by not resolving the issue and that it is my understanding that they can not ignore my request to validate the debt or conduct an in-depth investigation if I feel I did not ope the account.     According to the  C.F.P.B.,  what are my rights as a consumer? I thought the burden of proof was on the furnisher on the data reported to the credit bureaus. Why is  XXXX  exempt in sending requested data to the consumer? I appreciate your efforts in helping me in this matter.
Consumer complaint received 2024-08-12
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. (TN)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2017-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (FL)

I opened a new Best Buy  Citi Visa Card o n  XXXX   XXXX ,   XXXX   for the purchase of a new computer with 0 % interest for 12 months  ( deferred interest charges ).  I received my statement through the mail on  XXXX   XXXX ,   XXXX  . Upon opening the statement it states the first payment was due on  XXXX   XXXX ,   XXXX  . Upon calling the customer support line at  XXXX , I was informed that the billing cycle for my card ended on  XXXX   XXXX ,   XXXX   two business days after the account was opened. Being I did not receive the billing statement until  XXXX   XXXX ,   XXXX   I will now have interest charged to my account. I will be returning the item purchased and closing the card.     I would like a record of this deceptive practice being done this company, by luring customers into deferred interest products and trapping them into deflating on the terms.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I HAVE SENT CERTIFIED LETTERS ON  3 DIF FERENT OCCASIONS TO ALL CREDIT BUREAUS ( EQUIFAX,   XXXX    AND  XXXX   ) I N  REGERDS TO A LL INQUIRES THAT I HAVE SEEN ON MY REPORTS THAT I WAS UNAWARE AND HAVE NO RECOLLECTION ON DOING OR APPROVING MYSELF, UPON LOOKING AT MY REPORTS ALSO NOTICED ALIASES AND MY  NAM EIN  DIFFERENT FORMAT WITH ADDRESSES BELONGIN G TO CALIFORNIA AND TEXAS WH ICH I HAVE NEVER LIVED NOR VIVISTED IN MY LIFE! THERE WERE PHONE NUMBERS INCLUDED FROM THOSE AREAS TOO! I SENT A PERSONAL UPDATE AND THEY WERE ABLE TO HANDLE THOSE BUT DIDNT UPDATE MY BIRTHDATE THEY HAVE ME AS  XX/XX/XXXX   ,  XXXX   THOS E ARENT MY BIRTHDATE, MY BIRHDATE IS   XXXX   I FEEL THERE WAS FRAUDUALANT ACTIVITIES GOING ON AND LAST YEAR I REPORTED TO THEM ABOUT IT THEY WERE ABLE TO REMOVE  XXXX  ACCOUNT FROM   XXXX   BUT  LEFT A NOTHER  XXXX  IT ISNT MINES OR UNAWARE OF  XXXX   XXXX  FROM  XXXX   XXXX  THIS ACCOUNT ODESNT BELONG TIME AND I DISPUTED WITH ALL  XXXX  COMPANIES AND NOTHING YET! I AM CONCERNED, FRUSTRATED AND FEELING HELPLESS! To whom it  may concer n, I mailed a Multiple Inquiry Removal Letter on   XXXX   XXXX   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX   and they completed the request on   XXXX   XXXX   XXXX  . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it sta tes that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2017-05-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

My Mother,,  XXXX   XXXX   XXXX  passed on   XXXX   XXXX   XXXX  . At the time of her death, she had a checking account and a money market account with  Wells Fargo . She  di8d h er banking at the  XXXX , North Carolina Office.   I am the co executrices of my Mother 's estate, and I have attached the documents for you to have.   The account number for my Mother 's account is: XXXX  Before  Wells Fargo  took over  Wachovia,   her account number was: XXXX    My Mother always told me, my brother and I were the PODs on her accounts with   Wells Fargo.
Upon, my Mother 's passing it   was discovered my brother was the joint owner of the account as well as he and I were porth listed as PODs. I fail to understand how you can be a joint owner and a POD.   I requested the attorney 's office to get documentation from Wells-Fargo. The attorney 's office was faxed  six ( 6 )  forms with the following dates :  XX/XX/XXXX    XXXX    XX/XX/XXXX    XX/XX/XXXX    XX/XX/XXXX  and a letter from Ms.   XXXX   XXXX  , Regional Private Banker stating the following : " I realize there was some confusion with Mrs.  XXXX  failing to sign onone of the spaces on the signature card, and there being additional beneficiaries listed. " etc. I have attached the letter for you to see.   I called Ms.  XXXX  at  Wells Fargo  in  XXXX  asking her for ALL the documentation concerning my Mother 's account. She hung up on me.   With that having happened, I called the  Wells Fargo  Bank in  XXXX , NC. ( I live in  XXXX , North Carolina, and asked one of the personal bankers to please get me the documentation 's for my Mother 's Account. I went down to the bank and took him a cope of the Co Executrices information in order for me to obtain this information. He was very helpful and in a couple of days, he gave me  nineteen ( 19 )  pages. I studied them very carefully and came up with many questions about the forms.  One  of which is : on the Consumer Account Application, my Mother signed  one  page, and on the third page she only signed "  XXXX   XXXX   XXXX  '' in the blocked for the customer 's signature. Why was this not corrected was  one  of my questions to him. His answer " oh that how they sometimes do things. " .The date for this action was  XX/XX/XXXX . On the " Relationship Change Application dated  XX/XX/XXXX  she and my brother both signed the forms. Then on on  XX/XX/XXXX , on another " Relationship Change Application on she, my Mother signed the forms, with PODs being added.   I am totally at a lost about all the items not done on the forms and with the answers that  Wells Fargo  has given me- '' Oh that 's just how they sometimes do it. '' That answer makes NO SENSE to me!
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX AND DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 reported in to be removed. 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. XXXX XXXX XXXX AND DEPT OF ED/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 21 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 2017-05-10
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resource Management Group (FL)

On Monday  XXXX    XXXX   I received a call from  Resource Management telephone  number  XXXX , the representative asked for a  XXXX   XXXX   XXXX   I  advised her I was not   XXXX    and to stop calling my number. On  XXXX   XXXX ,   XXXX   I received yet another call from the same number mentioned above from, the agent whom called asked for  XXXX   XXXX  I told her the same information, " I am not  XXXX  and stop calling my phone '', she then said verbatim " I am NOT removing your number and we will keep calling you '', I told her that I would contact the police because at this point I felt like I am being harassed, she then said " you are so ignorant, they wont do anything ''. I asked for her name she hung up. I called back and was told the person I was speaking to was  XXXX   XXXX  and her  manager  was  XXXX   XXXX , apparently the both were not available. I asked for the number for the corporate office I was given a  XXXX , this number is the same number that they have called from but its toll free. These calls are continuous and this company obviously does n't want to stop calling. I want to know the steps to file a small claims suit for violating the FDCPA laws.
Consumer complaint received 2024-10-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (MD)

On XX/XX/XXXX I tried to purchase a product through Affirm which I already had an account since XXXX - XXXX, I was sent an email it was identity issue [ see attached ] the customer service agent inform me that the escalation department would contact me by 24 - 72 hours up to this date they never contacted me XX/XX/XXXX. 

I tried to purchase through affirm and the letter I received they can't verify my indenity again as a current customer. I called again on XX/XX/XXXX and spoke with XXXX XXXX, affirm supervisor she told me that the concern is going to a 'revelant department '' back office and case ID # XXXX. She told I was not denied. She told me that the call was recorded and I told her I am recording for my records as well. I believe I am being discriminated against due to my XXXX. She told me I was not denied. 

Since my last purchase and fully paid off : I tried to make a purchase with affirm XX/XX/XXXX turn down due to credit freeze report which been unfrozen still no ability to purchase Then XX/XX/XXXX credit freeze XX/XX/XXXX credit freeze XX/XX/XXXX then ID verification I called customer service and could not get a straight answer.

Attached Affirm letters ID Verification My purchases that is all paid off timely
Consumer complaint received 2017-05-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MA)

Today is   XXXX   XXXX   XXXX     and for a couple of days now I have been trying to resolve and deformant my loans for now since I will be delivering my second baby in  XXXX . I have been trying to explain that to them from Customer Service to the  Manager  and they are demanding that it does n't matter to them and they will need a payment asap.. It 's very sad and ashamed that they ca n't hear there customers and instead wants their money. I 'm fed up and tired.     My husband has been unemployed since  XXXX  of last year and I had told them I am the only  one  working and I 'm the  one  making the Income as for now.     This really needs to be resolved and looked into asap I ca n't do this anymore.
Consumer complaint received 2017-05-11
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Auto Finance XXXX XXXX XXXX XXXX, TX XXXX ( COPY OF LETTER SENT TO CAPITAL ONE, MINUS MY IDENTIFYING INFORMATION AS PER YOUR INSTRUCTIONS ) Subject : Continued Erroneous Reporting On Account XXXX XXXX, XXXX To Whom It May Concern : Thank you for your letters to me regarding the above referenced account ; however, I must respectfully bring to your attention that you continue, in fact, to incorrectly report the above referenced account to the credit bureaus in violation of stated law. Accordingly, copies of this letter, have been forwarded to the CFPB, and the AG office for the state of Texas. <P/>Also, if after this letter you still refuse to delete the account from XXXX and XXXX, I will also be unfortunately forced to re-open the bankruptcy and file a case for contempt of action on your part where I will also seek redress and financial remuneration for damages. Since the bankruptcy was filed pro se, I will do it yet aain.
<P/>Case law demonstrates that continuing to negatively report an account on a discharged debt is a violation of the discharge that accompanies a bankruptcy. In the same connection, also changing any notation of the account constitutes a violation as well. <P/>Accordingly, as per federal case XXXX vs. XXXX XXXX Services, negative reporting of the discharged debt constitutes a violation of the permanent injunction of my discharge ( Bankruptcy Case Number XXXX ), and, accordingly, there would be a violation of the FEDERAL COURT ORDER with the continued reporting of the discharged debt.
<P/>
Also, literally ANY changes made to the Capital One Account in terms of anything relating to the account ( i.e. status, account number, included in bankruptcy notation, etc. ), constitutes of a violation of the permanent injunction, subsequent to the filing of the bankruptcy. <P/>Finally, the FTC Letter to XXXX demonstrates that my conclusions are warranted and within the parameters of the law. <P/>Accordingly, in consideration of the violation, a deletion of this account to the credit bureaus is hereby again requested. <P/>Respectfully submitted, XXXX XXXX