davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
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. (FL)

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 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I have asked the Credit Bureau to do a credit search and I did a complete search as well. 

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # 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 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (IL)

XXXX, XXXX and LexisNexis is reporting incorrect addresses on public information. XXXX  XXXX is reporting incorrect addresses and not reporting correct information per FCRA. They are reporting inaccurately and should remedy this issue. Information is totally incorrect.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Credit Reporting Agencies are reporting an inaccurate and illegal collection account XXXX XXXX XXXX XXXX account number XXXX to my credit report. The collection account in question was furnished by XXXX XXXX XXXX XXXX without my permission. This action is in violation of the Fair Debt Collection Practices Act 15 USC 1692. I have not signed any contractual agreements with XXXX XXXX XXXX XXXX or authorized them to access my credit report or furnish information about me. The law does state that before a company collect any information about me, they have to first get my authorization to access my credit report for any purpose. XXXX XXXX XXXX XXXX did not follow proper protocols and is non-compliant with the FDCPA. Therefore, the inclusion of this collection account on my credit report is not only inaccurate but also an infringement of my rights under the FDCPA, and must be removed from my credit reports.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I'm reaching out to address an issue with my credit report that has been seriously affecting my credit score. There is unauthorized and unverified information being reported, which is not accurate and has been dragging down my score. This has made it difficult for me to access credit and other financial opportunities.
Consumer complaint received 2024-05-20
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 noticed a Repossession was reporting on my consumer that does not belong to me this account is Fraudulent, I'm unaware of this debt, I didnt have an opportunity to dispute this information, I did not receive proper notification if in fact you believe you gave me proper notification then please send me/provide the certified mail with a receipt with my name on it, my signature stating that I received it.
Consumer complaint received 2024-05-09
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. (NY)

I am writing to file a formal complaint against Equifax regarding their failure to address and investigate inaccuracies in my credit report, as well as their failure to provide a response to my dispute letter. On XX/XX/2024, I mailed a dispute letter to Equifax via USPS certified mail tracking number XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into several inaccurate items on my credit report. 

The items I disputed include accounts with XXXX XXXX  ( Account Number : XXXX ), XXXX  XXXX ( Account Numbers : XXXX, XXXX ), and XXXX XXXX ( Account Number : XXXX ). Additionally, I disputed inaccurate and incomplete information related to a public record, specifically : Court Name : Federal Reference Number : XXXX Furthermore , I disputed incorrect personal information listed on my credit report. 

Despite mailing my dispute letter to Equifax via certified mail and providing all necessary documentation to verify my identity and address, I did not receive a response back from Equifax with the results of their investigation, It is evident that Equifax has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as required by the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and expect prompt investigation and resolution from the credit reporting agencies. Equifax 's failure to provide a response to my dispute and rectify the inaccuracies on my credit report demonstrates a clear violation of these rights. 

Therefore, I am requesting the CFPB to intervene in this matter, conduct a thorough investigation into Equifax 's handling of my dispute, and take appropriate action to ensure compliance with the FCRA. I urge the CFPB to hold Equifax accountable for their failure to investigate and correct the inaccuracies on my credit report, as well as their failure to provide a response to my dispute.
Consumer complaint received 2024-08-21
Product: Vehicle loan or lease — Loan
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: TD BANK US HOLDING COMPANY (MO)

I financed a used vehicle through TD Auto Finance on XX/XX/XXXX. I refinanced my loan with TD Auto Finance  and my new lender, XXXX XXXX XXXX XXXX sent them a check to payoff the balance on XX/XX/XXXX. XXXX XXXX XXXX posted the check to my account to pay off the loan and then removed it the same day, XX/XX/XXXX. They then auto debited my account for my regular loan payment on XX/XX/XXXX when the loan should have already been paid off. 

I called XXXX XXXX on XX/XX/XXXX to find out why they pulled a payment from my account and was told that the payoff check bounced. I called XXXX XXXX and they informed me that TD Auto never attempted to cash the check. 

I called XXXX XXXX  on XX/XX/XXXX and was told by another person that someone wrote the incorrect account number on the check and that they couldn't apply it to my account. I reached out to XXXX XXXX and they provided me with copies of what was sent to TD Auto Finance and there was no account number listed on the check. 

Called TD back and they stated that the check was " in process '' now that that I had to wait XXXX days for it to hit my account and reflect paid off. I was told to call back on XX/XX/XXXX if it still wasn't showing paid off. 

Gave birth on XX/XX/XXXX and waited until XX/XX/XXXX to call them back. Called TD on XX/XX/XXXX to check and they said oh, the check was damaged. Spoke to a supervisor who then said that the representative was wrong and it wasn't damaged. That I just needed to have XXXX XXXX send over a fax directing them where to apply the funds. All XXXX sent the fax directing them where to apply the funds on XX/XX/XXXX. 

I called on XX/XX/XXXX to confirm it was received and was told they received the fax but that I now had to wait an additional XXXX for it to be processed and that they could not put a rush on it. 

Called back on XX/XX/XXXX and was told that the check could not be cashed because it was damaged and that it must have gotten wet during transit and they could not read the account number on the check. 

I was then forced to refinance my refinance with XXXX XXXX and have then deposit the funds directly into my checking account with them. Once I received those funds I scheduled a payment with TD Auto Finance and paid off the loan. 

Due to their negligence I ended up paying over {$800.00} in additional interest on this loan. 

TD Auto Finance finally posted the payment to my account and my loan with them has been paid off since XX/XX/XXXX. I was told it would take XXXX days for them to issue a lien release. 

Today is XX/XX/XXXX and they have still not provided a lien release for my vehicle. All XXXX has called and requested it 6 times and today is the XXXX time I have called them to request it. 

They said that it will take another XXXX days to process.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NC)

Citibank intentionally fabricated disinformation stating I would not have to be responsible for the fraudulent charge in my minimum payment- when they are still making me pay for the criminals maxing out my credit card to bring the credit card under limit. This is so criminal and corrupt.
Consumer complaint received 2024-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (NJ)

I never did business with this company and never did I sign into any business 's agreement with them to report anything on my credit report and I also looked this collection company up and they are not even licensed and bonded in the state I live in to attempt to collect on this debt that I have no knowledge of,,, as a consumer this is a violation of my rights
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

The complaint is about how Equifax computes credit scores period and their decision to lower your score without cause. I am a XXXX XXXX XXXX who owns his home outright, owns his vehicles outright, has XXXX personal debt, has a credit card that is used but has never carried a balance yet Equifax out of the blue lowered my score XXXX points for using {$480.00} on a credit card. I believe this is extremely suspect and illegal behavior on Equifax 's part. You can not get any better than XXXX debt, XXXX balance carried, XXXX late payment history yet Equifax has lowered my credit score arbitrarily. I also think this probably shows they have defective software monitoring as well. If someone uses their credit within their limit and pays the balance in full without a carry that can not possibly be a XXXX point penalty.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (WI)

This bank needs to be investigated. I complained that when I deposited the initial amounts of over {$300000.00} they promised me to give me {$500.00} a bonus. The bonus was never given to me. They told me I didnt fulfill a direct deposit. This was never told me I was in the hospital. They told me they were going to put it in a high interest account. Opening up a private client account and giving me another {$2000.00} bonus They never did this when I found this out over a year later they said they would fix it. They dragged their feet. They didnt fix it And now when I took my money out retaliation, I asked them what I needed to keep the amount and they told me {$1500.00}. I did this and now they keep deducting {$12.00} every single month putting it below the XXXX causing another feed the next month this bank is misguiding and making life difficult for me. I tried to talk to the management. They didnt get back to me for months and then when they did, they just blew me off. They owe me money. At least the deposits that were in at 4 to 5 % current CD rate, they also keep charging the {$12.00} every month even though Im over XXXX
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo unilaterally closed my family 's business account and has been giving me the runaround for the closing balance. they keep passing me around to different departments- So far, I have visited a branch and talked with regular customer support, Executive Support, Customer Advocacy and Escalations Dept but no one has been able to resolve the issue. 

in the last letter dated XX/XX/XXXX, XXXX XXXX XXXX claimed that an Affidavit was mailed to me on XX/XX/XXXX ( another blatant lie ) and asked me to call customer advocacy at XXXX, option XXXX, I JUST CALLED THEM earlier this morning ( XX/XX/XXXX ) and I was told to call their Account closure department - which happened to be closed!! 

It's obvious that Wells Fargo has broken processes and is clueless about how to send me my closing balance. everyone I talked to refers me to another department. Looks like Wells Fargo client services just knows how to pass the buck to someone else. 

I'm XXXX because of my XXXX treatment but they keep asking me to go to a branch. I have been to a branch where I spent three hours and neither the branch manager nor the banker had a clue.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. 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 to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guid
ance 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.

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!
Consumer complaint received 2024-09-12
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. (NJ)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXX ]. Please investigate and provide proof with statements showing that shese payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-08-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

My cash app account was compromised on XX/XX/2024 between the hours of XXXX to XXXX. Unauthorized charges totaling {$7400.00} was taken from my account. I have contacted the merchant where the charges were being paid to. i sent all the information which includes a list of all the transactions and the bank statement. I forward their email to Cash App for additional information that i was unable to provide. I still have not heard from Cash App nor XXXX. 
This have caused me a hardship financially and i had to borrow money to make up for the loss. 
Please investigate this issue and let me know if additional information is needed. 
thank you XXXX XXXX My cash app hastag is $ XXXX
Consumer complaint received 2018-04-20
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: Experian Information Solutions Inc. (CA)

I got an alert today ( XX/XX/XXXX ) from my Credit Monitoring ( XXXX ) that there was activity on my credit file. I checked it to find several inquiries, one from XXXX ( XXXX ), one from XXXX XXXX XXXX ( XXXX ) and one from XXXX ( XXXX ). As a result of these inquiries, my credit score dropped XXXX points. 

I called the XXXX number at XXXX XXXX and the representative said someone had opened an account using my name and social security number but used a fraudulent address ( XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ) which I had already called Equifax last month ( XX/XX/XXXX ) to dispute. The XXXX representative said he would close the account and that, as far as he could tell, no phone or usage was activated on the account. He gave me this website to file a complaint to have the inquiry removed off my credit report as he said that XXXX did not have a direct way to remove the inquiry themselves. 

I called the XXXX XXXX Services number who gave me XXXX  XXXX 's number ( XXXX ) in XXXX XXXX. When I called the dealership, the XXXX manager said that the application was ran on XX/XX/XXXX ( again, using the fraudulent address that had appeared on my credit report last month. The perpetrator had actually driven away with a {$100000.00} XXXX and that I had called at just the right time before the documentation went back up to XXXX XXXX XXXX for me to be held liable for it. The manager is in the process right now with the XXXX XXXX XXXX XXXX XXXX to recover the vehicle and told me that the dealership would remove the inquiries once a police report is filed.
Consumer complaint received 2024-06-14
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Albert Corporation (LA)

I filed a dispute on XX/XX/2024XX/XX/year> on XX/XX/2024 for the amount of. I asked for the updates regarding the dispute.i was told the dispute was closed on XX/XX/scrub>XX/XX/2024 due to not enough information. An someone tried contacting me threw message or email an I never replied. I advise them no one tried to contact me due to me doing all communication with this company. So I I know no one tried reaching out. So whomever the representative were stated there reopen the claim XX/XX/2024. The time have passed no update were made. So on the 10th business day I were looking forward to my account being credited since no update were made. I contact them on XX/XX/2024 due to that being the 10th business day. To see why my account hasn't been credited or why I haven't received any dispute update. I then received a email stating under regulation E my claim wouldnt be supported. I then email them back stating my claims falls under regulation E guide line. After me emailing them the statement which includes the guide line. They responded were since the transaction were authorized I wasn't eligible for the dispute. I explained to them it was authorized I was charged a different amount then what the original total were. They then advise me they will reopen the dispute an start another claim which would be the 4 th claim. I told them I gave all this information when I opened the claim. I was told the information was missed placed. I then opened another claim on XX/XX/2024 for the amount of XXXX an I'm currently going through the same process
Consumer complaint received 2024-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC (CA)

In XX/XX/year> we requested modification or forbearance to catch up on payments, since they would NOT accept two payments due to the Notice of Default. In XX/XX/year> Fay Servicing did send the package via email and we completed for them to review. Sent via fax but, they had NO record. Agin the workout documents were sent in for review, but this time was sent to XXXX XXXX at Fay Servicing main point of contact. Few weeks later, we received a letter in XX/XX/XXXX by mail stating, our application for work out is incomplete. Fay Servicing was asking for income documents and insurance info. On XXXX XXXX after speaking with XXXX XXXX at Fay Servicing we emailed the documents requested. Few day later the Notice of Sale was sent and yesterday on XX/XX/year> we received the notice via certified mail. We never received any warning or denial of the modification request or workout.