davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
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)

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (IL)

I opened a checking account with Axos bank on XX/XX/XXXX with a promotion. The promotion will credit {$400.00} to the account if I maintain a {$3000.00} daily balance and at least {$1500.00} direct deposit a month. I am paid every two weeks. I set up {$1000.00} for each direct deposit so there will be {$2000.00} for each month. Since I opened the account in the middle of XXXX, my first deposit came in on XX/XX/XXXX and the second deposit came in on XXXX. 

Today I received {$100.00} bonus, when I called Axos, they told me I didn't meet XXXX direct deposit requirement. I didn't know they are looking by calendar months. It was not indicated anywhere when I opened the account. 

I request Axos bank to credit me the remaining {$300.00} bonus because of their fault to cause the confusions.
Consumer complaint received 2024-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/year>, I mailed a dispute letter to TransUnion requesting a detailed description of the reinvestigation procedures for items they had verified as accurate. I included my photo ID, social security card, and a recent bill with my current address to help TransUnion verify my identity and address. 

On XX/XX/year>, I received a response from TransUnion stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

According to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the accuracy or completeness of any item on their credit report, the credit bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate. TransUnion 's response indicates that they did not investigate my dispute based on an assertion that my request was not authorized, despite my providing necessary identification and documentation. 

This response suggests that TransUnion has failed to conduct a reasonable investigation as required by the FCRA, thereby violating my consumer rights. 

I am including a copy of my dispute letter sent to TransUnion, along with XXXX response, as proof.
Consumer complaint received 2024-09-13
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. (MI)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report immediately. I have attached proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX  XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2024-09-13
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. (AL)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (MD)

Mr. Cooper has withheld information that allows me to sell my property. They have demonstrated predatory practices and should be held accountable to the fullest extent of the law. On XX/XX/21, I requested a loan payoff to proceed with closing on that day. I was told Mr. Cooper recently acquired my loan, and they have no information for a least a week. I called for weeks, after several calls ; it was over a month before Mr. Cooper provided a payoff in midXXXX. 

I request full reimbursement for the daily interest accrued and any fees associated with the delay caused by Mr.Cooper. This company and its representatives have intentionally delayed providing the requested documents. This practice is unfair. They need to be held responsible for the unnecessary cost and stress they inflict on consumers.
Consumer complaint received 2024-07-31
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. (IL)

My information was involved in a data breach with equifax and Im also a victim of identity theft 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. 
I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC (CA)

I received a credit card offer by mail, reviewed the information and applied for a card believing it was a card without a yearly fee. After receiving the card in XX/XX/XXXX I did not use it for a few days as I have multiple other credit cards. I then charged some groceries to it on XX/XX/XXXX and XX/XX/XXXX, there may have been additional purchases as well but were minor. When I received the first bill there was a XXXX XXXX yearly membership fee applied. I immediately called the company and indicated that I never saw or knew that there was any yearly fee associated with this card and would have never applied if I knew. I asked them to waive the fee and I would keep the card or that I would cancel the card and would not be paying the yearly fee. The representative indicated that since I had used the card, they had to charge me a fee. I indicated that I could not afford a credit card with a fee, had multiple already, and that their offer or literature never indicated a XXXX XXXX  yearly fee. I have called multiple time since then to try and correct his situation. I immediate paid off any balance I owed for the few charges I made before the due date so the balance was XXXX. At first, they were unwilling to close this account but on a subsequent call they did. So, the account is closed but am still being charged like there is a balance of the XXXX XXXX yearly membership fee and interest on that charge. I have called back multiple times and they are unwilling to remove the yearly charge I was never informed of, immediately notified them of, and have closed and never used the card again. Now they have reported missing payments to the credit bureau which is affecting my credit score. When I called in trying to get them to fix it again, they tried to extort money out of me. I think this company is running an illegal scam preying on people like me thinking I will just pay them to stop damage to my credit score. They never informed me of a XXXX XXXX yearly fee and for a credit card with a XXXX XXXX XXXX XXXX its definitely deceptive. Their unwillingness to address the problem for a new customer is another indication this credit card and credit card company are scamming customers.
Consumer complaint received 2024-09-09
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$1400.00} & {$180.00}. According to FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Description of What Happened : I, XXXX XXXX, am a victim of identity theft and was affected by the National Public Data Breach, which compromised my personal information, including my Social Security Number. As a result of this breach, several fraudulent accounts were opened in my name without my authorization. These fraudulent accounts are currently reflected on my credit report with Equifax.

Despite submitting a formal identity theft report with the Federal Trade Commission ( FTC ) and contacting Equifax to dispute these accounts, they have not been removed from my credit report. I have also provided Equifax with additional supporting documentation, including proof of the National Public Data Breach, a copy of my government-issued identification, and my Social Security card . 

The fraudulent accounts that I have identified on my Equifax credit report include the following : XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c-2, I am entitled to have fraudulent information removed from my credit report once proper documentation has been submitted. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, no debt collectors should pursue collection of these fraudulent accounts.

I am requesting the CFPBs assistance in ensuring that Equifax promptly removes these fraudulent accounts and any associated inquiries from my credit report, and that my rights under the FCRA and FDCPA are upheld.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NJ)

XXXX XX/XX/XXXX went to a local branch of wells fargo for the XXXX time to fix this problem. all I wanted to do was transfer funds from my wells fargo account to another bank. I am able to do with with other banks but here I had nothing but problems. finally I was told without using my cell phone I would not be able to do this function. this is not a XXXX transfer, this is something on the wells fargo webpage, a function they control. I do not have a cell phone to use for this, my home phone and computer are fine for anything else on any other bank. 

additionally, I was told there was no id for my profile. HOW IN THE WORLD DID I OPEN AN ACCOUNT THAT HAS RECEIVED DIRECT DEPOSIT FOR OVER 10 YEARS WITHOUT AN ID??!?!??! I'm pretty sure wells fargo needs to explain some lack of record keeping.
Consumer complaint received 2024-09-09
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. (IN)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX Balance : {$14000.00XXXX XXXX XXXX XXXXXXXX Balance : {$250000.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-26
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Synovus Bank (OK)

I paid this card off. Company submitted wrong information to the credit bureaus and its showing closed and not showing account paid off fully. That's misleading the credit bureau and showing late payments up till today. I filed this complaint previously and need this reported as paid in full like they would make it a late payment to drop my score
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian 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 To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit bureaus has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX never late XXXX   XXXX inaccurate/not mine XXXX  XXXX XXXX XXXX never late
Consumer complaint received 2023-03-31
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. (GA)

This is my several endeavors to tell credit bureaus 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 alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX AV XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$760.00}.