davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

To whom it may concern, XXXX. XXXX XXXX has confirmed that the amount of XXXX XXXX was transferred to my account on XX/XX/XXXX. Unfortunately, it has been almost XXXX weeks since the money were wired but I still didn't receive any money yet. Previously, last year, I had the same issue with BOA and I waited for almost a year to get my money to my account. Thank you
Consumer complaint received 2024-06-03
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)

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 XXXX has violated my rights. Or a 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 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I wonder how many more times do I have to send you a complaint for you to finally check what really is going on. I want to have these accounts that are reporting inaccurately on my credit file removed because I am not getting as much chances in getting my loan approvals because of my score.
Consumer complaint received 2019-04-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

This is a follow up to Wells Fargo response to XXXX. They did not accurately reconcile my account. They have misapplied payments and stating the wrong dates for outstanding amounts. This plays into the Loan Modification  in progress because they state I owe $ XXXX and that is not accurate. They are offering a loan modification based on erroneous information, increasing my payments along with the interest rate. Based upon documents attached and noted in the petition they Filed and the Bankruptcy records, the initial amount I owed was {$21000.00}. I paid {$12000.00} and {$9400.00} was included in the Chapter XXXX, which has now been converted to Chapter XXXX. Then beginning XX/XX/XXXX, I begin making monthly payments all through XX/XX/XXXX. Some of the amounts paid were based upon the monthly payment amount due and provided by the Tellers, when making my payments at the Branch office and some were partial payments. The trustee paid approx. $ 2K+ before I converted to Chapter XXXX and I do not see record on that in the Activity Statement they provided. At best, I owe the {$7400.00} ( originally included in the BK minus what was paid by the trustee ). That amount is specifically for the months of XX/XX/XXXX- XX/XX/XXXX, which is critical since the payment amount changed at some point. I want CFPB to take further action on this. I keep filing complaints and they are not handling this appropriately. They don't try to speak with me and always call during work hours. I'm tired of dealing with them and their incompetence.
Consumer complaint received 2024-06-03
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. (AL)

I recently discovered that my credit reports from XXXX, XXXX, and Equifax contained inquiries that I do not recognize and did not authorize. I contacted XXXX and XXXX, and they assisted me in removing these unauthorized inquiries, which were preventing me from applying for XXXX loans and XXXX applications at my local bank. However, Equifax refused to help. 

I called Equifax multiple times on XX/XX/XXXX and XX/XX/XXXX and was informed that I needed to provide a police report for fraud before they would even consider looking into the matter. I submitted the necessary reports and documentation, including XXXX letters sent via certified mail on XX/XX/year>, and XX/XX/year>. During my last conversation with an Equifax phone representative, it was revealed that my credit report incorrectly lists my middle name as my first name. I was also told that Equifax had not received the documents I sent, despite them being sent both certified and via regular mail, and that I should deliver them in person to their office in XXXX, XXXX, which is over a XXXX XXXX away. 

While XXXX and XXXX were helpful in resolving the issue, Equifax refused to assist.
Consumer complaint received 2024-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (WI)

XX/XX/year> I received an email from my school stating that I was over my XXXX Subsidized XXXX loans by {$1.00} and that I needed to reaffirm with my servicer to be eligible for financial aid. On XX/XX/year> I paid {$10.00} and was told the letter would be send to my email within XXXX hours. It was not, when I contacted their chat I was told I needed to fill a form out that on their website it states that I do not need if I pay in full.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2023-03-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2023 The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on My credit report as well
Consumer complaint received 2024-06-03
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. (SC)

I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).
Consumer complaint received 2024-06-03
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. (PA)

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 2024-06-03
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. (MD)

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 2024-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MD)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (MN)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I currently have a loan with One Main Financial for about {$7000.00}. At the moment I have been struggling since I am a XXXX XXXX XXXX XXXX and only work part time and have a child to raise on my own. I used a deferment for the month of XX/XX/2019 and proceeded to make a possible payment for XX/XX/2019. This company doesn't communicate with each other at all or even try and understand your situation. They are extremely aggressive by calling my workplace multiple times a day. It's embarrassing since I am usual at school most day and afternoon I get to my desk with notes and comments about how many times this company calls and harasses my coworkers to get a hold of me. I work late hours and try to communicate as best as I can my situation with One Main financial but they are probably the most disrespectful and unorganized company I have ever dealt with I think my car loan company is more understanding and patient than this people. Their motto is " lending done human '' there is NOTHING human about harassment and verbal aggravation.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Prosper Marketplace, Inc. (WI)

In XXXX, XXXX, XXXX, a company I pay to monitor my credit notified me that a credit inquiry was made by XXXX XXXX. My XXXX Representative immediately contacted XXXX XXXX on a 3-way call with me and we were assured a credit account would not be opened. In XXXX, I started being harassed with letters and phone calls from XXXX XXXX stating that my account was past due. I also saw that my credit score dropped from over XXXX to under XXXX. I called XXXX on XX/XX/XXXX at XXXX and they assured me they would open an investigation. I called again on XX/XX/XXXX and was told the same thing. I heard nothing back and later received a collection call from XXXX. I told them my situation and they assured me that an investigation would be opened. Still, nothing was done. I sent an email to XXXX and received a return email with Reference ID # : XXXX assigned to the case and they stated they would open an investigation. As of today, this delinquency is being reported on my credit report and I can not open other accounts due to my poor credit score.
Consumer complaint received 2024-06-03
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)

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  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2019-04-24
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)

I have an account that has been closed and done with yet it still reporting on my credit report and XXXX is still showing it on my credit report and it reflects bad payments and making it hard for me to obtain a loan for my business.
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

Netspend.comisascam,iboughtprepaiddebitcardfor{$100.00}fromthemonXX/XX/XXXX.

Customerserviceislieinganddoesn'tmetohavemymoney.DebitCardwaspurchasedfromnetspendfromXXXXXXXX.

Netspendwon'tgivememoneyfrommycard.

"XXXX''XXXXXXXXTexas.

Card#=XXXXexpiration=XX/XX/XXXXXXXXXXXXXXXX
Consumer complaint received 2024-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TN)

I am writing to file a complaint regarding fraudulent activity on a joint company account in which I am listed. The account details are as follows : Financial Institution : XXXX Account Number : XXXX ( I am not an authorized signatory on this account ) I have reason to believe my employer has engaged in fraudulent activity by adding my name to this account without my knowledge or consent. I have never authorized the opening of this account nor any of the listed transactions. 

Other creditors accounts need removed : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Amount Unknown ) I request that the CFPB investigate this matter and take appropriate action to : Remove my name from this unauthorized account. 
Ensure that I am not held liable for any fraudulent charges. 
Assist me in recovering any funds that may have been withdrawn from the account without my authorization.
Consumer complaint received 2024-06-03
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. (IL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-06-03
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: EQUIFAX, INC. (TX)

I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2019-04-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Snow and Sauerteig LLP (IN)

On XX/XX/2019, I received the attached letter for collection in the amount of {$4100.00} giving 30 days in which to dispute the said claim. I sent the attached letters on XX/XX/XXXX and again on XX/XX/2019 requesting ; 1 ) Validation of alleged debt, 2 ) Any verified claim against me, and 3 ) Original bill with original genuine wet ink signature. Debt collectors Snow & Sauerteig, LLP have failed and not provided validation as requested. I was served today a " Notice of New Claim '', with a added charge in the amount of {$1000.00} for Attorney 's fees, filed in the XXXX Superior Court 2 for the same alleged debt and not in my county of XXXX, to appear on XX/XX/2019, again in the absence of validation of debt as requested. It is my belief that this alleged debt has been sold and that is why these debt collectors are not able to produce as requested.
Consumer complaint received 2024-06-03
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-03
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)

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.

has violated my rights. Or a 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.