davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The credit Bureaus continue to violate the fair credit reporting act : According to USC 1681 ( 5 ) the credit bureaus have to modify or delete account that are not reporting accurately.

According to 15 USC 1681b ( i ) the credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 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. 

Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting.
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WA)

I have  XXXX  public record accounts in the amounts of {$15.00}, xxxx and {$13.00}, xxxx that have been reporting on my yearly credit report by   XXXX    since    XXXX   XXXX   XXXX     . According to FCRA law : " This information is generally removed  seven years from  the initial missed payment that led to the delinquency. Missed payments and most public record items  may  remain on the credit report for up to seven years, except Chapters  XXXX ,  XXXX  and  XXXX  bankruptcies, which may remain for up to 10 years. Unpaid tax liens may remain for up to 10 years from the filing date. Paid tax liens may remain for up to seven years from the filing date. Transferred accounts that have not been past due remain up to 10 years after the date the account was transferred. '' I have tried several times in the past gew years to have this information deleted from my reports, as since it has been reporting since   XXXX   XXXX     which is now 16 years and 6 years past the legally permissable reporting criteria. However   XXXX    continues to report this information which is a violation of my FCRA rights and  State  law. The account is also being illegally re-aged to reflect the current month as the reporting date every time I file a complaint.
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Advanced Resolution Services Inc. (IL)

On  XXXX / XXXX /2017   I  received correspondence from CFPB #  XXXX  regarding a complaint filed on   XXXX / XXXX /2  017 a gainst  Advanced Res olution Solution  Services , Inc,   I calle d ( ARS ) an d spoke to a  XXXX   XXXX  regarding the accuracy of the bankruptcy that is placed on my report I sent documentation from the courts that stated that they do NOT report to credit reporting agencies and also confirming that there is false information on my report she stated that the report was accurate and direct me to look on pa ge 6 of 8 on  the report up under the account information and there should be a statement that read " Bankruptcy record furnished by Advanced Resolutions services,  inc. '' I told her that the area that she was speaking of was blank on the report that was maile d to me o n  XXXX / XXXX /2017 she asked me to fax over a copy and I stated that I would.fax the document on  XXXX / XXXX /2017, enclosed is a copy of said report page 6 of 8.and a copy of the fax cover sheet. I am requesting again that the recor d be permanently deleted off of all my reports.
Consumer complaint received 2023-11-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (CA)

This is my second complaint. Nelnet responded and I got a letter stating my application was approved on XX/XX/XXXX. 5 days later my account was put back in forbearance and my payments increase to what they were before I was approved. I called and no one could give me any answers. They asked me to pay {$5.00} to change plans but I already paid that over a month ago. They filled out a form but I dont understand why I was approved and have a letter that is as approved, my payments changed and then a couple days later went back to what it was. And theyre asking me to pay {$5.00} that I have record and their representative says they have record I have already paid. This is the most ridiculous thing Ive ever gone through. I am so frustrated.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (FL)

nder Fair Credit Reporting Act 1681b ( 2 ). XXXX never had a permissible purpose to furnish this report. I never instructed XXXX to furnish this report or create this report. Furthermore I never consented to this report in the first place. XXXX is reporting an abundance of incorrect and inaccurate information, which they are NOT exercising their grave responsibility with fairness and respect for my right to privacy ( 15 US Code 1681a ( 3,4 ). Inaccurate/Incorrect information : 1. ) XXXX acct XXXX XXXX {$120.00} 2. ) XXXX XXXX XXXXXXXX XXXX Acct # XXXX {$1200.00} 3. ) XXXX XXXX Partial Acct # XXXX {$520.00} 4. ) XXXX XXXX XXXX Partial acct # XXXX {$680.00} 5. ) XXXX XXXX XXXX acct # XXXX {$160.00} 6 ) ALL Inquiries 7 ) ALL personal information besides my Currect name and Current Address.
Consumer complaint received 2018-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has mailed out a letter stating that XXXX released information about my account/transaction to them when no permission was asked. For the record, I would have not minded being on the call and giving my permission. No permission was asked!!! Based on my recent call with executive offices I believe that the letter was generated solely to deny my dispute.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (FL)

Ally financial has been breaking the law by unlawfully defaming my credit report by constantly using it to show late payment, and that the account is open on one agency then closed on another! 15 usc 16816 permissible purpose. 15 usc 1681 ( s ) -2 compliance
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX at XXXX eastern time, I was contacted from the Wells Fargo customer service number ( the same number on the back of the card ) s Upon answering the phone, a banker name XXXX answered and told me that my account was being flagged for fraudulent activity at a XXXX XXXX through XXXX XXXX. He was very professional and organized with his scheme. He instructed me to move my money out of my checking and savings account to XXXX XXXX and then move it to the new debit card number that you provided for me and told me by new debit card would be mailed in XXXX business days. This banker had my last four of my social and my home address. Had access to my Wells Fargo account. 

I filed a police report in XXXX XXXX XXXX. They were aware of the fraud/scam surrounding Wells Fargo XXXX I also filed a complaint with XXXX. 

Wells Fargo has denied the money being returned to my account. They told me there is nothing that I can do. The amount of money that was moved was {$2500.00}.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (TN)

Pursuiant to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/2007 ( XXXX Illinois ) ; XXXX XXXX vs. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXX C XXXX, XX/XX/2007 ( XXXX Illinois ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/2007 ( XXXX XXXX XXXX XXXX XXXX XXXX. 

Innovis is in violation by reporting that I'm delinquent in making my child support payments. First of all I have never been late with making payments. I recently discovered that they were in violation by seeing a notice that was posted on XXXX website before they removed it
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (TX)

On.XX/XX/XXXX I sold a car to an individual. They wanted proof of purchase so she asked to meet at Chase Bank to get a Cashier check. She went inside bought check and gave it to me. I then went in to cash it they said I need to deposit it ( I wanted cash ) so u tried to mobile deposit thinking I would have access to the funds immediately, and it said I would have to wait 1-2 days so I then went back into the bank and told them what I did. They assured me that the check was canceled and that I could deposit it with them and have access to the funds XX/XX/XXXX. I have yet to receive the check. They are telling me to contact the person that gave me the check, which I did. They are still sending me in circles.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

Account Name : XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXX. Account Name. XXXX. Account Name. XXXX XXXX. Account Name. XXXX. Account Name. XXXX XXXX. 

15 U.S.C 1681 section 602 A. I have the right to privacy 15U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my express written permission.

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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 U.S. C 6802. A financial institution may not, directly or indirectly through any affiliate, disclose to a nonaffiliated third party any nonpublic information unless the such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$22000.00} XX/XX/2022 INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: TRUIST FINANCIAL CORPORATION (SC)

In XX/XX/2023 we requested a payoff quote which was given verbally over the phone and we were told it was good through XX/XX/2023. We were also told we would receive a letter verifying the payoff information. This letter was never received and we mailed a check through our bank bill pay to the mortgage company. The check was processed and never cashed as it turned out that we were not given the correct address for mailing the payoff. We stopped payment on the check and reissued the check and the bank sent it to the correct mailing address. Again, the check wasnt cashed and we had to stop payment on the check. It turns out that the funds had to be issued by certified check or electronically BUT NO ONE during the many phone calls advised XXXX of this. We received an overnight envelope a few days after the payoff amount expired with the first check, instructions for completing the payoff which had to be certified or electronically issued funds. Now we are late with the payoff and our mortgage payment which caused us to have to go to the bank to complete the transaction and pay almost XXXX more due to the incompetent customer service people at Truist Bank. They were the worst mortgage company we have ever dealt with. We would like the original payoff payment honored and the overage of the second payoff refunded. 
We have paid our mortgage in full.
Consumer complaint received 2023-11-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (MN)

My car loan has been paid off for 3 years and they have refused to give me my lien release. When I call the company they state they cant find my account but can see my loan is paid off. I have called 3 times and each time they state they cant find my info.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST PORTFOLIO SERVICING INC (FL)

Please consider this as my formal complaint to the XXXX XXXX for allowing the fraudulent account and for not taking corrections on my credit report. I have filed FTC report with the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent account is still reflected on my credit report.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (TX)

I received an offer to book a Carnival Cruise and receive XXXX rewards if I booked a cruise from XX/XX/2023 to XX/XX/2023. The credit card company states they did not see any purchase and is refusing to provide the promotion points.
Consumer complaint received 2023-11-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC (MI)

A check was mailed to planet home lending from XXXX  on behalf of myself and wife, the check was mailed out XXXX XXXX and it took 4 phone calls, an open to dispute to locate the check which didn't happen until XXXX XXXX. After I was finally able to speak to a supervisor because all other customer service reps wouldn't help me in tracking down why they haven't received the check.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

Original Creditor - XXXX XXXXXXXX XXXX XXXX Amount : {$630.00} Collection Company XXXX XXXX XXXX XXXX This account I've been fighting for a few years now. This was not opened by me! Its not my responsibility. I'm not sure what or how it was verified. This is not done by me and needs to be off of my credit report immediately.
Consumer complaint received 2023-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (NY)

I requested a refund on payments made to my student loan servicer EdFinancial during the COVID pandemic. My loan balance has since went up by XXXX. I have reached out several times requesting a timeframe for refund and everyone is telling me XXXX to a year. They wont even provide me with proof I requested refunds despite the balance going up. If the balance of the loan has gone up then I should have received my money. I am worried about interest accruing for money I don't even have on hand. 
I would like to receive the refund the way the payments were made ie into the checking account linked to my EdFinancial.
Consumer complaint received 2023-09-07
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. (KY)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I was recently married and submitted a request to Capital One to update my last name from XXXX to XXXX with my marriage certificate. Capital one erroneously updated my entire name to XXXX XXXX. I opened a prior case XXXX, as I was getting no where with Capital one and getting this rectified. They finally fixed the issue and corrected the name on my account and reissued all cards. Fast forward to XX/XX/2023 I am not getting credit alerts that there is an associated name with my SSN and credit file, which is XXXX XXXX. I am also receiving pre approved credit card offers mailed to me in this name not only from Capital one but from other financial institutions as well which is beyond alarming. A simple name change has caused so many issues and is alarming that a bank completely changed my name to a person who I have no idea who this is. This is my identity, my credit. This name needs to be disassociated with me and my credit/SSN and capital one needs to be held liable for their error and all the time I have spent and continue to spend trying to get this rectified.
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-20
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: World Omni Financial Corp. (GA)

I purchase a new XXXX XXXX ( XXXX ) from a local toyota dealer ( XXXX XXXX toyota corolla dealership ) on XX/XX/XXXX. I did a trade in at the dealership. I owed them a balance of {$12000.00}. XXXX financing was approved from XXXX XXXX XXXX ( see attached ). Lo and behold, I received a letter dated XX/XX/XXXX - confirming that my financing was not approved. In effect, XXXX corporation reneged on their contractual agreement with me in an arbitrary fashion. This is unprofessional and unethical conduct by a XXXX XXXX manufacturer. Furthermore, I am a medically challenged citizen suffering four chronic ailments : - 1 ) XXXX 2 ) XXXX XXXX 3 ) XXXX and 4 ) XXXX I immediately got XXXX XXXX when I received this letter from Toyota. My stress levels were very high, and I have not had a decent night rest since. I have taken the liberty to attach a recent article regarding the CFPB and a lawsuit Vs Toyota corporation regarding a related issue to my complaint. Please be guuded accordingly.
Consumer complaint received 2023-09-18
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Omni Financial Corp. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.