davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
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. (TX)

I disputed LATE PAYMENTS ON TWO Credit card ACCOUNTS with XXXX XXXX  with the credit reporting agencies in an attempt to get my credit report corrected and updated. They disputed the entire account as fraud, without my knowledge or authorization which resulted in two accounts with 12+ years of history combined being closed. This is DETRIMENTAL to my credit report / profile and is going to negatively impact my ability to buy a home, which I have just recently started the process. I sent a letter into the credit card company with 3 separate forms of identification, as well as 2 separate statements for each credit card account from my previous address as well as my current address and there has been no resolution. The credit reporting agencies need to rectify this issue by withdrawing the initial disputes that were submitted inaccurately and negligently and make note to the credit card company these accounts MUST be reopened immediately.
Consumer complaint received 2024-05-07
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. (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 Number : XXXX Account Name : 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 2024-07-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Special Financing Company, LLC (PA)

On XX/XX/XXXX I hired a XXXX lawyer to help me Solve a XXXX  matter and he charged me a fee that was place in a XXXX institute as a loan. 
However, The Lawyer didnt serve my best interests and he was terminated on XX/XX/XXXX due to his lack of legal representation in my case and I myself had to resolve this matter with the XXXX without his legal expertise. 

As of today XX/XX/XXXX this bill was not adjusted or terminated with the termination of service from the attorney at this time Im not requesting a refund for money I had paid already but Im requesting that this Loan to annul and terminate with termination of attorney XXXX XXXX services do to improper legal representation under XXXX 's Unfair Trade Practices and Consumer Protection Law.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (CT)

In accordance with the fair credit Reporting XXXX XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
+ 15 USC 1666B : A creditor may n treat a payment on a credit card XXXX account under an open end XXXX consumer credit plan as late for and purpose. 
XXXX
Consumer complaint received 2024-05-07
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XX/XX/year>
Consumer complaint received 2024-05-07
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Dear bureau, I found company XXXX XXXX XXXX XXXX XXXX to unlawfully be reporting on signature of account name. I applied for a capital one bank account and was denied account access by criminal company XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In sabotage, I, was denied account approval with three letter birth-given name and surname for a sabotage account name that doesn't stand for signature of first and last name. I gave bank a photo copy of identification with social security number signature and XXXX XXXX XXXX XXXXXXXX unlawfully reported against approved account of capital one bank to result in denial of account for sabotage report of a name that doesn't stand for first and last name of signature with clear account. The customer service had ready the misunderstanding of 3 letter first name and attempted mispell account name before user input. The company used XXXX XXXX XXXX against bank and service agent to interfere with agent & customer issued perfect credit file. The XXXX XXXX XXXX XXXX  attempted to force agents will to mispeak name I pronouced correctly for agent to result in delaying account by 3rd party company. I have never used correct account name in my life, and the XXXX XXXX XXXX XXXX was dishonest to bank in reporting from a sabotage name that doesnt stand for state identification or the name given from report issued. 
Company contact : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-07
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. (NC)

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2024-05-07
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$340.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : EQUIFAX MTG XX/XX/year> XXXX XXXX XX/XX/year> EQUIFAX MTG XX/XX/year> EQUIFAX MORTGAGE SER XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> EQUIFAX MORTGAGE SER XX/XX/year>
Consumer complaint received 2024-07-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mortgage Research Center, LLC (VA)

Veterans United only helps veterans when they want their money and want them to close on a home. I suggest XXXX XXXX XXXX  or veteran ever use them. They were very swift and worked very diligently on getting me a real estate agent, who sold me a lemon, sight unseen while I was XXXX XXXX 2 months after being ( XX/XX/2023 ) in the home I was unable to live in the home due to 2 major leaks ( amongst an array of other costly issues ). We could no longer use the bathrooms of the home, and the ceilings in our kitchen were cut open. My family and I had to move out, after just moving back to the US after 3 years and trying to settle my children, due to both showers being inoperable. Insurance claims were filed, and we moved into a rental in XX/XX/2023. Making it unaffordable to pay a mortgage, a rental home and make major renovations on a home we had just purchased, we opted to put the home in short sale. I requested a short sale with the bank, in XXXX of this year. It is now XXXX and we still have no actually movement on the short sale because of how much back and forth the process is, and how they are valuing the home with a fraudulent appraisal to benefit them. Communication is through email only, every 5 business days. There are no posted clear instructions on what will be needed and how the process is to go. The appraisal is completely inaccurate. Stating the condition of the home needs no visible repairs and is at full market value, making a short sale extremely difficult. The email liaison states the appraisal rebuttal was denied, yet I have no official traffic of this other than her email. Veterans United could help close on the home within 60 days, yet now that I am in extreme financial hardship and needing them to take any sale, they can get on this home to get it out of my name as soon as possible, they are not helping at all. I have been begging for someone to see the real condition of this home, is not at full market value. There are insurance claims, and visual proof of this home needing major alterations and renovations. Not to mention, not one comp given on the appraisal shows the sale date of the property, and none are in our development. This appraisal is clearly in the banks favor to be able to get the most money they can, despite the fact this home can't even be lived in right now. This is a disgraceful situation, that I have received no help on for 7 months now. I am an active-duty service member begging for some serious assistance to regain control of my finances and rebuild my credit that this is destroying every month that passes. I'd like the VA 's assistance, and anyone who can please take a hard look at the severity of this problem. Thank you.
Consumer complaint received 2024-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (KY)

I was emailed on XX/XX/XXXXXXXX XXXX XXXX about a dispute for an unauthorized transaction for {$320.00}, and they took my account, made it unaccessible. Just to email and tell me that they offered me a provisional credit and I can't even login to get to it.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you verify the documentation, please? Some of the listed accounts contain inaccuracies in their reporting. I anticipate receiving {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-04
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. (OH)

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 XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX 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 2024-05-03
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. (FL)

Despite my persistent attempts, I have yet to see any resolution regarding these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the seriousness of this matter to me. If you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I strongly urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will leave me with no option but to demand the immediate removal of these items from my report.
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Affirm Holdings, Inc (WA)

i bought an item and paid in installments on affirm. i returned the item and the merchant refunded ; affirm received the refund *and simply kept it*. it has been over two months and affirm has refused to refund my money.
Consumer complaint received 2023-09-27
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. (NJ)

I don't want these accounts in my report, they are directly affecting me and they are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-03
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)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (OH)

CoreLogic XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Subject : Opt-Out Request Under Privacy Act of 1974, Fair Debt Collection Practices Act, and Fair Credit Reporting Act To Whomever It May Concern Dear Sir/Madam, I am writing to demand that my personal information be removed from your databases and that I be opted out of any and all future data sharing and reporting activities as permitted under the Privacy Act of 1974, the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ). 

Under the Privacy Act of 1974, I have the right to request the removal of my personal information from databases and to prevent its disclosure to third parties without my explicit consent. Furthermore, the FDCPA and the FCRA afford me specific rights regarding the collection, use, and dissemination of my credit information. These rights include, but are not limited to, the ability to opt out of any and all reporting and data-sharing activities. 

Therefore, I am requesting the following actions be taken immediately : 1. Remove all my personal information from your databases.

2. Cease any future collection, use, or dissemination of my personal information.

3. Provide written confirmation that these actions have been completed. 

Please treat this letter as a formal request under the Privacy Act of 1974, the FDCPA, and the FCRA. I expect to receive a response within 30 days from the date of this letter as stipulated by federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX The Aggrieved Consumer
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/year>, I logged in to my checking account and was surprised that an amount of " {$16000.00} '' was withdrawn and has a description of " BUY OFFICIAL CHECK # XXXX ''. The transaction is still pending but the amount has already been deducted from my account. 

I contacted Wells Fargo immediately to report the fraudulent activity and was given an option to file a claim and I have the claim number. I was assisted by " XXXX XXXX ''. After submitting a claim, I called again because I was so worried that the rest of the money that will be withdrawn. With the 2nd call, I was able to close the account and I was given a new account with the help of XXXX XXXX. He claimed that all of my information and money are now transferred to my new account. 

As of today, XX/XX/year>, I logged in to my account again to check the new account. I clicked the pending " {$16000.00} '' in hopes to see any update on the transaction. After clicking, I immediately noticed the change of transaction description. It was " BUY OFFICIAL CHECK # XXXX '' when it's still under the closed account, then it became " WITHDRAWAL MADE IN A BRANCH/STORE ''. 

I'm extremely upset because I thought there is an immediate hold with the cashier 's check but then it immediately shown as " withdrawal made in a branch/store '' Please help because I feel helpless in this situation and the money that was taken away is needed for our bills and it's just taken away like that. 

I can not understand how it is easy for Wells Fargo bank to release a cashier 's check with that big of amount without any alert/notification from the owner 's account while when we attempt to spend on something using the bank, they require multiple security validations. 

Any advice is appreciated and my husband and I plan to file a police report and go to a Wells Fargo branch hoping that someone can assist us.