davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to formally dispute inaccurate and incomplete credit information that is currently included in my credit report. I am distressed by the presence of this information, and it appears that the bureau has failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports published. Credit reporting laws mandate that bureaus report only 100 % accurate credit information, and every effort must be made to ensure the accuracy and correctness of the reported information. The information listed is entirely inaccurate and incomplete, constituting a serious error in the reporting. I request the immediate deletion of this misleading information and the provision of a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes, in accordance with FCRA 15 USC 1681. Failing to provide such evidence, the items must be promptly deleted from my credit report : XXXX XXXX  XXXXXXXX
Consumer complaint received 2023-12-12
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. (NJ)

I am writing to express my deep concern and dissatisfaction with the recent update to my credit report, which I have thoroughly reviewed. Despite receiving an updated copy, I was surprised to discover persistent errors and inaccuracies. This situation is particularly troubling for me, as I am currently facing challenges in securing a new line of credit.
Consumer complaint received 2024-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.T.R. Financial Services, Inc. (FL)

A letter was sent to R.T.R Financial Service , Inc on XX/XX/XXXX, requesting the validation of the following debt in accordance with FDCPA, 15 USC 1692g : Account # XXXX in the amount of {$990.00}. In my letter I requested, the following : ( XXXX ) A detail description/charges of the alleged debt, original amount and creditor. As of today, XX/XX/XXXX no response has been received.
Consumer complaint received 2023-12-11
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)

I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2018, 60 days late as of XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

CFPB COMPLAINT : XXXX FOLLOW UP On four seperate occasions I called Equifax and explained to them several accounts that I have opened are NOT being reported by them. Speaking with their customer service in another country is a waste of time, HORRIBLE... .they just say that the companies are NOT reporting to them over and over. Spoke with each and every missing lender 5 of them on several occasions and each lender assures me they are in FACT reporting to all three credit bureaus including Equifax. 
Have not had any issues with these accounts appearing on XXXX and XXXX... .ONLY Equifax NOT REPORTING The only common denominator is Equifax Attached are screenshots of these accounts as they appear on my recent XXXX Report Missing accounts FROM EQUIFAX have a RED CHECK MARK next to them. 
7 accounts ... .5 different lenders PLEASE SOMEONE TAKE THE TIME AND ADD THESE ACCOUNTS PLEASE Also attached is a copy of my Drivers license ... front and back and a copy of my social security card
Consumer complaint received 2023-12-11
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. (NV)

I have diligently contacted Equifax on dates between XXXX and XXXX via certified mail ( enclosed are copies of the receipts ) and have made numerous calls to their customer service department. Despite my persistent efforts, the inaccuracies on my credit report have not been corrected, causing severe financial consequences for me. These inaccuracies include incorrect reporting data along with accounts that are not mine. Equifax has continued to verify these accounts as correct and have failed to provide in accordance with the law the request verification.
Consumer complaint received 2021-02-05
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. (PA)

I have written out and sent several letters to remove these fraudulent inquiries which is hurting my family please remove now XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  XXXX. 
Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XX/XX/XXXX Merchant XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Please remove
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo is violating regulation-E and attempting to hold me liable for fraud. I reported it in XXXX when it occurred and assumed the bank did its job, but due to gross negligence, the fraud report was not filed correctly. While doing my taxes I noticed that it had not been resolved and refiled again in XXXX. However, it was done wrong again and again and again. It finally escalated to the executive office where they have been arguing with the fraud team as they are trying to hold me liable for fraud. Their XXXX excuse is that I continued to pay my credit card bills, which of course I did as I thought that Wells Fargo has handled the fraud. Sadly this seems like it's yet another instance of Wells Fargo being dishonest and unprofessional while violating federal regulations. There are charges for a dentist, lawyer, and a handful of other things that are not me and over {$10000.00}. I have not seen a dentist in the US other than my dentist in XXXX, that has been my dentist my whole life. Wells Fargo has a very long tradition of dishonest business practices, hence why they have had so much legal trouble. 

ITS VERY CONCERNING THAT WELLS FARGO KNOWING VIOLATES REGULATION-E ESPECIALLY TO A XXXX PERSON
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ALLY FINANCIAL INC. (GA)

I was trying to purchase a car so I had an inquiry made on my credit from XXXX XXXX XXXX dealership but then I looked on my credit report and 4 other dealerships had made an inquiry on my credit when I never gave them permission
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX, Capital one bank restricted my business account said there is a wire transfer in my account amount as XXXX as fraud transaction, that is one of my purchaser recall. they will close my account due to this problem and hold all my funds in the account. 
Until XXXX, the {$35000.00} was return by capital one bank, and my account still restricted. 
Until XXXX, no further action was taken by the bank, they still restricted my account and hold my money, remain balance is {$110000.00} During the time, I continued ask them, but the unfair point is, they said no time line for the investigation and they can not tell me anything. at the beginning they said wire transfer in has problem, after that even they resolve the transaction, they still said no time line, still hold, even they tell me why, that is ok, I will wait, and company all they work.
Consumer complaint received 2023-12-13
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. (MO)

the XXXX XXXX XXXX XXXX was placed in forbearance for 12 months with no payments and no interest. this was beginning XX/XX/XXXX until XX/XX/XXXX this was due to medical issues and my inability to pay the account.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2023-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Unfortunately, this is my second complaint against this particular bank. Due to identity theft and fraudulent transactions I have had to dispute some transactions from XXXX to XXXX. I have recently disputed XXXX transactions, XXXX being invalidly denied. The other that is being worked on currently I am not feeling very hopeful and I have XXXX confidence in the team that is investigating either claim. Some of the representatives have been rude and have even hung up on me throughout this stressfully situation. I am overwhelmed and over this bank especially after dening at least XXXX of my disputes and overdrafting my account as a result. I am looking for a way to resolve this situation and more importantly to protect my accounts and finances overall. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (KS)

Once again this year, Flagstar Bank is trying to make money by saying they don't have information regarding insurance. The also predate their letter so they may gouge me as if I did not reply in time. The letter is dated XX/XX/2023 but was received on XX/XX/2023. I check my mail daily and also subscribe to Informed Delivery. So they are again lying. They also never answer when you call the number provided. They seem to be harassing me so they may get me to payoff my loan which is at a great rate. I am paid ahead XXXX  months in my payments.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MS)

XXXX XXXX XXXX fraudulent account It was removed from my credit an added back an it's affecting my credit score my score dropped XXXX points because they added a fraudulent account back to my credit after deleting it an by law this can't happen
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America sent me a letter, asking me to contact them about my application for a credit card. I NEVER APPLIED FOR XXXX. I DON'T WANT ONE.A week later, I received another letter, saying that there was suspicious activity on my card and that my account had been temporarily suspended. However, BOA sent me an actual plastic credit card. I repeat : I NEVER REQUESTED THIS AND I DO NOT WANT IT. 
My wife faced a similar issue recently and it took a long time and a great deal of effort to resolve the situation. 
I have not contact BOA because I do not want them to have any more information about me than they already have. 

.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Have contacted all 3 major credit bureaus via phone and letters to challenge accounts that are not reporting to my credit report correctly either these are not my account or information is invalid either way they need to be removed and blocked. I received a letter indicating refusal of removal for the following accounts that need to be removed immediately : XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX   Bankruptcy, XXXX and Chapter XXXX bankruptcy.
Consumer complaint received 2023-12-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC (TX)

I used Forbearance for COVID-19 for entire of 1 year, I have been told that I must pay this amount to bring my account up today to avoid foreclosure. I bought my property in XX/XX/2023 so in XXXX I ask for Forbearance due lack of Income and unemployment so I have worked since up to today with Loss Mitigation and in several occasions the property was listed with a sale date but after I worked with them they stopped foreclosure procedures. Yesterday XXXX, XXXX  received another letter saying the deny one more time my loss mitigation appeal that I have submitted. So I was informed by customer service at Flagstar that I can re-submit an application for Loss Mitigation. 

We want to stay in the property at the same time continue making payments to retain the property but they are telling us that we must pay the entire amount was accumulated during COVID-19 that wasn't our understanding. Please help me with those bad practices by Flagstaff Bank I have tried talking to them but nothing seems to happen, every day pass is more difficult for me and our family. 

This is the amount $ XXXX are require us to pay to be up to date including late fees and all associated charges. Please help us! 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capitol One closed my account without warning or notice XX/XX/23. Payments were always on time and I always paid above the minimum payment. 
When trying to figure out what happened phone reps said I violated terms of service then in written correspondence when trying to get further information they said it was a business decision. This has negatively impacted my credit reporting. 
They will not change reporting or reopen account but they continue to send me letters and emails promoting I apply for new Capitol one credit cards.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo closed my checking account, savings and credit card accounts in XX/XX/XXXX for no reason and they are refusing to refund my money that was issued to me by an XXXX vendor in the amounts of {$180.00} and {$36.00} for a total of {$210.00}. The XXXX merchant has issued a refund to my Wells Fargo debt card ending XXXX in XX/XX/XXXX and Wells Fargo is refusing to send me my refund after several attempts to contact by phone to open the below claims : Claim # XXXX opened XX/XX/XXXX Claim # XXXX opened XX/XX/XXXX I've contact XXXX and they assured me the refund was issued by their merchant to my Wells Fargo account in XX/XX/XXXX, not XXXX and it has not been returned to XXXX as Wells Fargo has claimed and I have attached the email from XXXX confirming a refund has been issued to Wells Fargo and it is Wells Fargo 's responsibility to issue me a refund check since I no longer have an account with them.
Consumer complaint received 2023-05-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION (FL)

I wish to report that XXXX XXXX XXXX breached its contract and engaged in unfair trade practices in connection with my recent purchase of a XXXX  XXXX XXXX. I believe they knowingly misrepresented the condition and history of their vehicles, which violates numerous state and federal laws. The listing for the vehicle advertised that it was in mint condition. However, less than 200 miles, I experienced engine issues. I immediately contacted XXXX XXXX, for help, but he was unhelpful and suggested I try another mechanic. 

I took the vehicle to a XXXX XXXX XXXX where the mechanic found major engine mechanical issues. The XXXX mechanic also found damaged parts that could not have worn down so quickly after the pre-inspection, suggesting that heavy engine oil was used to mask the problem. 

Furthermore, it appears that the mileage on the buyer 's contract does not match the original listing, which may be a violation of state and federal odometer tampering laws. Moreover, multiple complaints from other customers who have experienced similar issues have been posted on XXXX reviews. 

XXXX XXXX XXXX 's deceptive actions have caused significant financial harm to me and others. Therefore, I request that this matter be thoroughly investigated, and appropriate actions be taken to hold XXXX XXXX XXXX accountable for their actions that they refrain from engaging in similar behavior in the future to prevent others from falling victim to these unethical practices.
Consumer complaint received 2018-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AZ)

Problem with Loan Depot. I mailed in a signed document for a program called Budget Tracker they keep saying they don't receive it when I have sent it twice now. Now I have to go to the post office and get a tracker on the mail for it. I just want you to know they are playing games like this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX
Consumer complaint received 2024-04-15
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)

I am refiling this complaint to EQUIFAX for still allowing the fraudulent accounts on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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.

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.