davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2023, I applied for an auto loan. The advertised rate was 6.29 % minus .5 % discount for being a diamond tier member. Instead of receiving a rate of 5.79 % I was given a 5.99 % rate. As a longtime customer with a credit score of XXXX and assets deposited in this institution exceeding XXXX times the loan amount. I was puzzled as to the reason. 

I have made three requests for the specific reason that I did not receive the banks lowest advertised rate. In all three requests I was only given general reasons. 

I believe that Bank of America is in violation of the Equal Credit Opportunity Act - Regulation B - for not disclosing the specific reason I was denied. 

I was my hope that this bureau would investigate this issue and not just close my complaint when Bank of America refused to answer.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 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 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 2024-04-18
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. (FL)

There are inquiries on my credit report from various companies that i never contacted and i am demanding the removal of them from my equifax report. 

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 2016-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MN)

We received a mailing offering a HARP loan conversion for our conventional 15 year mortgage with Wells Fargo. After getting this notice we called the loan agent listed and made an appointment to discuss an application. The mailing stated that no appraisal was needed and the loan could be provided with no costs. A credit report would be ordered and if that was adequate a refinance from 5.65 % to 2.75 % would be granted. Since we were XXXX and our income had dropped substantially we were told we did qualify for the program. Then after a period of time we were notified by the agent that they changed the terms, that an appraisal was needed, and we paid {$790.00}, an inflated price for the appraisal. Then we were informed that the agent was required to visit our home and make an inspection. After several years of perfect payment history, credit reports with XXXX plus scores, we were then told the Wells Fargo wanted us to make a conventional application with the usual closing costs. This was strictly a bait and switch. Two years after making the application we were sent a letter saying we did not comply.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to request the removal of fraudulent accounts from my credit report. I have discovered that my personal information was used without my consent to open the following accounts : Account name : XXXX XXXX, opened on XX/XX/2022, with a balance of {$9300.00} and XXXX XXXX, opened XX/XX/2022 with a balance of {$7300.00}. I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and a police report with my local law enforcement agency. For over 120 days, I have been consistently submitting disputes to your agency regarding these fraudulent accounts, yet the information remains on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you conduct a reasonable reinvestigation of the disputed information to verify its accuracy and promptly delete any inaccurate, incomplete, or unverifiable information from my credit report. Furthermore, under the FCRA, 15 U.S.C. 1681c-2, I am requesting that you block the fraudulent accounts listed above from appearing on my credit report. The FCRA requires credit bureaus to block the reporting of any information related to identity theft if the consumer provides appropriate documentation, including a copy of an Identity Theft Report. Under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability. Additionally, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it must be removed from my credit report. Please note that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you must complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability. In addition, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it must be removed from my credit report. I expect a prompt response to my request, and I will consider any unreasonable delays as a violation of the FCRA. To protect my rights, I have documented all communication related to this matter. I also request that you provide me with written confirmation of the removal of the fraudulent accounts from my credit report.
Consumer complaint received 2023-11-01
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. (IL)

XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report. There are several misspellings of my name and addresses that DO NOT belong to me. XXXX, XXXX, and Equifax assumed a vital role in the banking system and have to follow the law in furnishing consumer reports. 

I have stated several times and provided proof of my identity and correct address and each company is still inaccurately reporting my personal information. 

My name is XXXX XXXX. There should be no other names listed on my report. My address is XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX IL XXXX remove any other address they do not belong to me. 

If you have reason to believe the information you are being furnished and paid to report provide me with an accounting ledger so I may inspect the records. Please take not I am not asking for my consumer report but the account history for the financial gain made from my

consumer report. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2015-08-31
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (OH)

I went to cash in my investment accounts at pnc. they gave me the run around. they first put me on the phone with someone who said it would take weeks and they would charge me commission. I decided to transfer it to my bank and they did not bother to tell me i had to go through them to do that not my bank. is commission legal after a XXXX year account?
Consumer complaint received 2023-09-25
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. (VA)

In XX/XX/XXXX I noticed an account recorded incorrectly on my credit report. This was revealed when I attempted to apply for a mortgage. In XXXX and XX/XX/XXXX, I filed a dispute regarding a debt that still shows on my credit report. I attached court documents indicating the debt was satisfied on XX/XX/XXXX yet the credit report shows 120+ days delinquent with a balance owed. In both disputes, they were reviewed and closed on the same day with no changes. No true investigation was done on the matter even though a Notice of Satisfaction was provided from the Commonwealth of Virginia.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX, Equifax, and XXXX are reporting incorrect information on my consumer report and refuse to remove the incorrect information. I sent them a letters with a current UCC11 and identification showing that according to the Secretary of State of Texas that I had no debts or liens on my name and mailed it to them certified with return receipt about an alleged automobile loan. Also, I informed them that they are breaking federal law and my letter went with no response.
Consumer complaint received 2023-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please remove these inquiries from my credit report as I did not authorize them. I have included the identity theft report as well. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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 XX/XX/2022
Consumer complaint received 2023-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (TX)

See attached. Whether you realize it or not i am XXXX. 

You destroyed my entire life and i didnt even commit mortgage fraud. You know it. i know it. yet you think its okay to treat me like a liar loan. To be controlled. 

i never was given a fair shot at righting this wrong you heinously done to me because you staged or controlled everything down to court proceedings. 

i dont care. 

i have nothing. i will not be able to come back from this if are still here still in my phone still trying to control. i didnt get anything, remeber?! nor was i asked to sign anything like a non disclosure. Not my fault! 

Stay the XXXX out my phone, leave me alone, and move on like im attempting to do. you dont treat any other homeowner like me like this because there are no innocent homeowners caught up in you liar loan system when they dont belong in it, just me. Rooting into every phone, hacking everything around me purposely. All night i have to listen to your non stop relentless noises of hacked things all around me. 

STOP DISCRIMINATING AGAINST ME AND LET ME BE! 

FOR THE LAST TIME! 

Being left alone is the only chance i got at getting back to functioning in the world like needed to come back from this destruction you did to my life. Why cant oyu give me at least that when it doesn't cost you a thing!
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (IL)

I have disputed the following accounts several times now, at the time these accounts were opened while I was incarcerated, from XX/XX/XXXX to XX/XX/XXXX. There is a case with the XXXX Police Department, for identity theft and an individual that forged my signature. These accounts are being reported in my credit report, they are really interfering with my living situation in stable a stable home for my children. I have documentation that proves my statement ; therefore, these accounts need to be removed from my credit report immediately, or I will proceed to a lawsuit. 
XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This company has gotten a response from the data furnisher that is not valid. They are using this response to keep fraudulant and innacurate accounts on my credit report. they have also ignored arbitration letters. These accounts were disputed every 40 days for over the past year, FTC and police reports have been mailed to this company. The fraudulant and innacurate account ( s ) were removed from each bureau except this comany. They refuse to provide explanation as they say they do not disclose this information. this is a violation of the FCRA as i have the legal right to know every detail about my personal information. I am asking these accounts be removed once again and one final time or I will seek compensation for each violation done by your company for failing to remove these accounts 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
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.
Consumer complaint received 2023-09-01
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. (CA)

I called Equifax XX/XX/XXXX at XXXX. I requested to speak with the fraud department and was told that I was speaking to the fraud department. I made this request several times and each time I was told I was speaking to the fraud department. 

I requested the removal of XXXX unauthorized inquiries to be removed : XXXX XX/XX/2023 XXXX XX/XX/2023 They had just completed the removal from the same company XX/XX/2023. I was told there would be an investigation of up to 30 days to correct the item. 

At this point I requested to speak to a supervisor and was asked why I was making the request and I stated I needed more help after waiting XXXX minutes to speak to a supervisor without that goal being achieved I left the call. 

the same day I was told that the investigation was completed and given the confirmation # XXXX for the completed investigation. 

The investigation was completed in less than one day, actually within XXXX hours and the inquiries still remain.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following company has not received written consent to have the account listed below to be furnished on my credit report. 

XXXX XXXX XXXX Account Number XXXX opened on XX/XX/2021 2021
Consumer complaint received 2023-11-01
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. (FL)

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 2023-09-25
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. (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.

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 inructions 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 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX