davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
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. (UT)

DELETE HARD INQUIRIES accordance with the Far Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Jection 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 ) ( a ) 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. 

DELETE THE ACCOUNTS BELOW equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-10-27
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had attempts to open a credit card for numerous banks and retailers from XX/XX/XXXX to the XXXX of XX/XX/2023. The companies are Capital One, XXXX which is a bank, XXXX XXXX, XXXX Bank and XXXX XXXX I never reached out to any of these companies nor banks about opening an account or any type of service from them.
Consumer complaint received 2024-07-08
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. (NV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to file a complaint and also bring to your serious attention regarding the inaccurate information displayed on my credit reports by XXXX, XXXX XXXX Experian. 

The information reported by XXXX XXXX XXXX XXXX ( Account # XXXX ), which appears to be in flagrant violation of numerous consumer protection laws and federal regulations. Specifically, the following violations have come to light : 1. Violation of 15 US Code 1681a ( 2 ) ( B ) concerning charge-offs and repossessions.

2. Contravention of 15 US Code 1681c ( 2 ) by blocking information, potentially facilitating identity theft.

3. Breach of 15 US Code 1681e ( b ) by failing to ensure maximum accuracy in reporting.

4. Non-compliance with 15 US Code 1681a ( 2 ) in regard to definitions and rules of construction.

5. Breach of 15 US Code 1692c concerning communication related to debt collection.

6. Violation of 15 US Code 1692g regarding improper reporting of debt collections.

7. Disregard for 15 US Code 1601 which outlines Congressional findings and the declaration of purpose regarding consumer protection.

8. Failure to adhere to 15 US Code 1681a ( 2 ) ( A ) ( i ) pertaining to late payments.

9. Violation of 15 US Code 1681b ( a ) ( 1 ) ( 2 ) regarding permissible purposes for obtaining consumer credit reports.

These violations not only constitute serious breaches of the law but also have significant adverse effects on me as a consumer. Furthermore, I must express my dismay at being instructed once again to contact your institution to dispute information that is clearly not mine, which amounts to yet another violation.

It is imperative that immediate action is taken to rectify these errors and remove any and all harmful, unlawful, deceptive, illegal, and fraudulent information from my credit report. Failure to do so may result in further legal action, with jurisdiction in a venue convenient to me.

I trust that you will address these matters with the urgency and seriousness they warrant, and I anticipate a prompt resolution to this troubling situation.
Consumer complaint received 2023-11-07
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Security Credit Services, LLC (UT)

I was turned left and the light was red the car that was going strat at the intersection was going fast enough to total my car. At the time of the accident I was covered through XXXX who says I wasn't even the cop verified the insurance verification. It was towed to a lot. Apparently I was supposed to have it towedto my house. Security service said when it got to the lot they reposted it and sold it as a branded title. I had gap insurance but they charged me for the timekt was spend in the tow yard. I was not provided any information about it being demanded to file a XXXX  XXXX XXXX
Consumer complaint received 2017-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

I was having XXXX ( XXXX/XXXX ) as my lender since XXXX XXXX. They transferred it to Nationstar Mortgage , LLC during end of XXXX stating that payments from XXXX will be done by new lender. Nothing happened - neither the new lender contacted me nor the mortgage payment happened.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-09-20
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-06
Product: Mortgage — Manufactured home loan
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: WELLS FARGO & COMPANY (KY)

I all ready filed XXXX complaint on this they did for close on my home wells Fargo and they sold my loan to XXXX  but XXXX  is there sister company but my ariginal loan was true wells Fargo the didn't offer me a modification and besides that they illegally sold my home that was paid off and the commissioner of my home town allowed them to do so I didn't reciec-ve any shurity because the home burnt and they had placed forcibly insurance on my loan to throw me in to XXXX and they also owned the insurance company so they got the money from the sell and also collected all the insurance money they basically ignored a federal judges ruling the judge ruled the home mine and payed off I put it in my sons name they went in court house and lied to the comishioner and allowed them to take my homethey only had interest on the land wells Fargo done so many illegal things on my loan it was shocking they put me in a loan that I never should have been in cause my income I'm XXXX and my sons XXXX the moble home was in his name and nothing owed on it they went in and took his name off it and I had to sepret tax bills the home was not tied to land through the pvaoffice please could I have some XXXX call me its been 5 years and we are living in a dump cause wells Fargo ruined XXXX credit over there greediness XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XX/XX/XXXX Last XXXX of SSN : XXXX DOB : XX/XX/XXXX To Whom It XXXX Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX  CA XXXX in the file you maintain under my Social Security number. 

Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. 

The entry with Reference XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. 

Apparently, not on was the case never XXXX.
Consumer complaint received 2022-11-17
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (FL)

Once again, I have a bogus statement from Synchrony PayPal that makes XXXX sense. I made new purchases totaling {$89.00} in purchases last month. I have {$200.00} & {$120.00} in transactions that must be paid by XX/XX/2024, to avoid interest. Total = {$420.00}. Why does my statement say I owe {$1000.00} to avoid interest? I have literally for as long as I have had this card, paid the required amount every month to avoid interest. In fact, they did this same XXXX last month and this is the first time EVER I have been charged interest. 1, please explain yourself because your invoice makes XXXX XXXX! 2, reverse the {$17.00} interest charge, because I do not owe it. 3, cut this sh*t out!
Consumer complaint received 2024-04-05
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo previously sent me a notice advising that they were sending me a reimbursement check for improperly closing my checking account. I received the check for {$150.00} and cashed the check. Now I received a notice from XXXX XXXX XXXX XXXX stating that I owe Wells Fargo $ XXXXHow is this even possible? They closed my account and sent me a check for incorrectly closing it, now they are billing me for the amount they sent me? This has to be improper practices by this banking institution and I would even go further to say they are willfully trying to get money back from the wrong they said they apologized for. Now My credit is affected and it is casing me to not be able to handle other matters because of this being improperly reported to the credit bureaus. I am being sent notices now asking for the money that they sent me. Why would they send me money only to ask for it back and do it by collections? This is against the law. XXXX XXXX sent me the same notice from the same collections agency XXXX XXXX. 

I was told that I would be able to open an account because the first one was closed without my consent. Now I am having an issue opening an account personally and for my business. This is very disappointing I still have issues with wells fargo because they closed my account the first time.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX : {$10000.00}.
Consumer complaint received 2023-04-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NV)

Ive had Wells Fargo since XXXX I opened my first account jointly with my mother due to being a minor at the time however Wells Fargo took advantage of me and opened over XXXX or so accounts with my knowledge etc however back in XXXX of XXXX I reached a settlement with Wells Fargo mediation department the agent was XXXX XXXX however when I settled with Wells Fargo I was told all negative items would be removed mind you we settled in XXXX of XXXX fast forward to XX/XX/XXXX I am still having issues with opening a bank account or saving account with Wells Fargo or any other financial institution because I am on XXXX however mind you I was suppose to have these accounts cleared when I settled with Wells Fargo mediation department this has caused me so much stress I had to buy a safe to keep cash since I cant open a saving account I receive denial letters from Wells Fargo informing they cant open my account due to bad banking history with Wells Fargo or its Affiliates I pulled my XXXX XXXX report and it shows nothing but Wells Fargo I have spoke with Wells Fargo collections department Wells Fargo charged offs department and I have no accounts so I can confused and concerned what is being reported
Consumer complaint received 2024-06-27
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)

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 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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.
Consumer complaint received 2023-09-20
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: OPORTUN FINANCIAL CORPORATION (TX)

OPORTUN/PROGRESO FINAN XXXX, this account is reporting inaccurately on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the inaccurate information be updated to reflect my accurate payment history. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-09-20
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. (FL)

Under the Fair Credit Reporting Act, XXXX  Account XXXX for XXXX XXXX has violated my rights. 

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 also states that a consumer reporting agency can only furnish an account with my written instructions.

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.
Consumer complaint received 2023-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, Please completely remove me as authorized user from the XXXX XXXX XXXXXXXX credit card attached. 

Please completely remove this tradeline from XXXX, XXXX, and Transunion- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I haven't seen any positive changes in my credit reports recently. Once again, I find myself a victim of the negligence of Credit Bureaus. I hereby reiterate my request for the deletion of remaining items from my credit file, which resulted from fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to expunge any such items no later than four business days following XX/XX/XXXX. This issue has been previously brought to your attention in an FTC report and complaint, and I am referencing it again with the new FTC Report # XXXX. Additionally, the details associated with these items are unfamiliar to me and have already been removed by other bureaus, which casts doubt on their accuracy. This complaint serves as a formal notice that failure to remove the specified items from my reports may compel me to initiate legal action. My attorney has been informed of my intentions and is prepared to pursue accountability for any deliberate non-compliance. This message constitutes my latest notice to you, requesting the removal of items linked to alleged fraudulent activity. 
EXPERIAN : XXXX XXXX XXXX XXXX, KY XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX  ) XXXX {$6500.00} XXXX XXXX XXXX XXXX  XXXX ( Original creditor XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-03-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (SC)

I bought out my lease around XXXX XXXX and submitted all the paperwork at the XXXX XXXX Audi dealership in XXXX, GA along with the check for the payoff amount. Till date ( today is XX/XX/XXXX ), they have not provided me with my title. I must have made at least 20 calls to Audi financial and they keep saying that they have changed the vendor who processes titles for them and that's the reason for the delay. I called Audi financial again yesterday and once again was told, " it will 2-4 more weeks ''. 

However, this is ridiculous and unacceptable. They took the payoff amount from me more than 2 months back and now I am stuck unable to sell this car. I need Audi financial to pay the price of this inefficiency and poor service. 

I want this info to to be available for the whole world to see and I want Audi financial to compensate me for this delay... or I will share this on multiple social media forums to deter people from buying/owning an Audi around the world!!! 

Thank you