davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
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'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 third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-12
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)

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 third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-12
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, EQUIFAX MTG Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-01-12
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 did not consent to this UNFAIR and INACCURATE information to be reported to my report. Please remove!! Also Pursuant to 15 usc 1681i ( a ) ( 1 ) ( a ) In general subject to subsection ( f ) and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-08-15
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: CCF Intermediate Holdings LLC (TX)

Avio Credit accessed my XXXX credit report on XX/XX/XXXX and XX/XX/XXXX. I do not recognize and did not authorize this access to my credit report. My credit report has an active fraud alert and is frozen/locked. Access to my credit file requires verbal approval to protect my identity. Additionally, I have opted out of pre-approved promotional offers.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Dave Operating, LLC (CA)

XX/XX/2023 Dave Inc Have never deposited any money into my bank account they continue to withdraw from my bank account and my bank doesn't have any deposit into my account from Dave Inc and I request a full refund.
Consumer complaint received 2023-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

I had filed the below complaint earlier today ... which was forwarded to Wells Fargo. A Wells Fargo representative called me this afternoon, and i mentioned i forgot to include the original letter i received from Wells Fargo Mortgage on the " Account Adjustment for overpaid interest during Covid-19 Deferral '' on my mortgage ending XXXX. The Wells Fargo employee suggested i do a new complaint and include the form and this will be forwarded to him. The employee is XXXX ( phone XXXX ). So in this submission i have listed the original complaint and uploaded the original letter from Wells Fargo Mortgage... stating that an interest rate change occurred during forbearance period resulting in overpaid interest during Covid 19 deferral. My complaint below is this overpayment of interest should also apply for my other mortgage loan ( LXXXX XXXX XXXX XXXX ) which was under Covid 19 Deferral for the same period..only difference i paid off this loan in XX/XX/2020. Here is the previous note i sent to CFPB : " I had two Mortgages with Wells Fargo Bank. The first Mortgage ( XXXX # : XXXX ) with a principal balance of {$720000.00} was paid off on XX/XX/2020. The 2nd Mortgage ( Loan # : XXXX ) with a balance of ~ {$280000.00} is still active. During the Covid period in 2020, i took Covid-19 Deferral for both mortgages for the exact same period ( due to Covid Deferral my mortgage payments were deferred ). In 2020 i received a letter from Wells Fargo saying on my mortgage that is still active ( Loan # : XXXX ) Wells Fargo Overcharged me for Deferred Interest ( something to do with interest rate change occurrence ) and gave me a refund/interest rate adjustment of {$3900.00} and a check for {$370.00} for a total of {$4300.00}. I then contacted Wells Fargo and said this interest rate change occurrence also applied to the other mortgage which i paid off in ( Loan # XXXX ). This loan had a principal balance of {$720000.00} and then Wells Fargo made me pay {$740000.00} or + {$15000.00} due to interest and " other charges ''. I believe this includes Deferred interest due to Covid 19, and this interest calculation is incorrect ( made the same mistake as my current loan ). I wrote to Wells Fargo 3 times on this, and they have not responded. Since the mortgage is paid off they do not want to open a can of worms because if this mistake applies to all loans with Covid 19 Deferral that were paid off Wells Fargo will have a big liability on their hands. I would greatly appreciate your assistance in looking into the interest calculation for both loans ... and check if the mistake made on the loan where they gave me a refund applies to the larger loan. The dollars are very material for me. Thank you ''
Consumer complaint received 2024-01-12
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. (MI)

It has come to my attention that the presence of numerous accounts on my credit report may be in violation of the Gramm-Leach-Bliley Act ( GLBA ) and its provisions regarding Non-Personal Information ( NPI ). Per the GLBA, financial institutions are required to provide an initial notice and an annual notice to customers at the establishment of the relationship and thereafter. Furthermore, if XXXX has been shared with non-affiliated third parties, customers must be provided with an opt in/opt-out notice, a reasonable way to opt in/opt out, and a reasonable amount of time to exercise the right to opt out before any disclosure or contract is signed most contracts and disclosures states we will not share or sell your personal and financial information abiding the federal law of the Gramm-Leach-Bliley Act ( GLBA ) and its provisions regarding Non-Personal Information ( XXXX I assert that I have not received the necessary notices and information regarding the handling of my NPI, as mandated by the GLBA. This lack of compliance raises serious concerns about the privacy and security of my personal and financial information. 

I kindly request a thorough investigation into this matter and expect the immediate removal of the listed accounts from my credit report if found to be in violation of the GLBA. Additionally, I request written proof, not emails or templates, demonstrating the authority to disclose, the right to opt out or opt in, and the contract I signed with your organization with my written signature granting permission for the sharing and selling of my information for monetary gain. 

Failure to comply with this request may result in penalties outlined in the GLBA, including fines and potential legal action. I anticipate your prompt attention to this matter and request a written response detailing the steps taken to rectify the situation and ensure compliance with the GLBA within a reasonable timeframe of 7-14 days.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DigniFi (NY)

As I was in the process of shopping for a new car I noticed as I pulled my credit I noticed that they charged off this account on my credit and I've never received a 1099 form, I need this form to be sent to me
Consumer complaint received 2024-01-12
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-04-04
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: Experian Information Solutions Inc. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I pay for membership on Experian.com and since XX/XX/2020 I can not pull all three Reporting agencies report opened up multiple escalation tickets but still not fixed but they keep billing me for service I can not get
Consumer complaint received 2024-01-12
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. (TX)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I have been disputing the enclosed information for over 8 monthsonly to receive the runaround and stall correspondence from not only the creditor XXXX but also the credit bureaus.
Consumer complaint received 2024-01-12
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. (NY)

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.

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 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I got a copy of my credit report, and I saw a lot of incorrect information, so much so that I believe I am a victim of identity theft. There were incorrect addresses, employers, and inquiries that I never made. There is also a CHILD SUPPORT ENFORCEM account # XXXX I don't know anything about it. I have never given my social security number out, just to my employer. These violations fall under 15 US Code 1681 and 15 US Code 1681b ( FCRA ). The law clearly states the following : 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or have not gotten any written instructions from me ( the consumer ) to furnish an account on my report,. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts :. Secondly, according to 15 USC 1681,. The law clearly states :. 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and Unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-04-04
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. (TX)

I am reporting Experian because there is not a name reporting on my credit report and this is a violation of the FCRA. My name is XXXX XXXX and this should be added to my report immediately. How are you accurately reporting anything under my dob or ssn without a valid name? I will attach my credit report to show that Experian does not have my name on my credit report. Furthermore, I sent dispute letters to Experian informing them of invalid accounts on my credit report. It is very obvious that your credit reporting is questionable and not credible. I am requesting that the following accounts are removed from my credit report due to either being incorrect or unverified : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-01-12
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. (CA)

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.

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 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I acknowledge your attention to rectifying the erroneous entries in my record following an alleged incident of identity theft. Despite your efforts to address certain fraudulent items in my file, there remain unresolved matters that require removal. This marks my second communication as a victim of identity theft, wherein I seek to contest specific entries resulting from the aforementioned criminal act. The items subject to dispute are unrelated to any transactions wherein I obtained goods, services, or authorized financial transactions. Kindly expunge from my credit file any entries stemming from the alleged identity theft, as outlined below for each bureau : 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 XXXXEQUIFAX : XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX H H XXXX XXXX ) XXXX Balance : {$120.00}. I have also enclosed my new FTC report # XXXX for your reference.
Consumer complaint received 2024-04-04
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : 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, and so on.