davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
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. (NJ)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have dealt with XXXX XXXX XXXX twice due to two previous complaints on this same matter. Hes supposed to handle CFPB complaints for Bank of America ( B of A ). Bank of America XXXX  card has continued to find that Im responsible for fraudulent charges made to a XXXX card under me ( XXXX XXXX ) back in XXXXXXXX XXXX XXXX  nearly a year ago. Although I did apply online for this card, I never utilized this credit card nor did I activate it. After long months of continuing to open fraud claims on the same matter ( XXXX XXXXXX/XX/2022 ) with BofA, filing a police report with the XXXX XXXX XXXX ( which I provided ) and filing a complaint for the second time with CFPB and dealing once again with XXXX XXXX I was finally informed over the phone by XXXXXXXX that this time the investigation concludes the funds in the amount of XXXX were deposited to, and I quote XXXX XXXX credit card under your name XXXX XXXX. These findings are inaccurate. 
I have proof in the form of bank statements which I requested/received from my XXXX XXXX credit card covering XXXX and in none of these will you find the claims B of A is making to. Im not sure why they cant seem to figure out how to do their job but it is affecting me.
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (MI)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (KS)

I was never late on the paid off accounts listed below. Please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete the alleged late payments from my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-17
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. (AR)

Approaching the XXXX mark from my anticipated monthly credit report update, I am becoming increasingly apprehensive about the prospect of XXXX, Equifax, and XXXX taking lawful measures to rectify the errors present in my credit reports. Despite my persistent efforts to address this matter from its inception until the present moment, there have been no discernible changes in the items I specifically requested for removal. It is imperative to reiterate that, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to expeditiously remove any items identified by the consumer as resulting from alleged identity theft, no later than XXXX business days after the date of receipt. I have conclusively identified these items as being linked to the aforementioned crime, and I earnestly implore you to proceed with the removal of these fraudulent entries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *********EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-06
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NY)

I am writing to file this complaint against Wells Fargo Bank regarding the numerous issues I have encountered while attempting to open and maintain a checking account with them. Despite multiple attempts, the bank has failed to provide a satisfactory explanation for the denial of my account opening. 

My latest attempt to open a Wells Fargo checking account occurred on XXXX XXXX XXXX at the Wells Fargo branch located at XXXX XXXX XXXX, XXXX, NY XXXX. During this visit, I diligently provided all the required information, including XXXX forms of identification, as requested by the bank. 

To my surprise, the bank informed me that my account could not be opened. When I inquired about the reason for this unexpected denial, the banker was unable to provide me with any specific information. Instead, I was assured that I would receive a letter in the mail addressing the issue. 

It has now been over 10 days since my visit to the Wells Fargo branch, and I have yet to receive any such letter. The lack of communication and transparency on Wells Fargo 's part is not only frustrating but also raises concerns about the handling of my personal information and the bank 's adherence to standard procedures.
Consumer complaint received 2023-11-22
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: STATE EMPLOYEES CREDIT UNION (NC)

I believe the account is invalid. STATECU needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.STATECU XXXX
Consumer complaint received 2022-02-19
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2024-01-17
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 am writing to express my dissatisfaction with the ongoing challenges I have faced while attempting to correct late open accounts on my credit report. Despite multiple attempts, the issues persist, impacting my credit score and causing significant distress. 

I have made repeated efforts to rectify this situation through your dispute resolution process, yet the corrections have not been implemented successfully. 

Here is a summary of the actions I have taken to address this matter : I have submitted disputes through your online platform, providing detailed information about the late open accounts, along with supporting documentation. 

I contacted your customer support hotline to inquire about the status of my disputes. However, the information provided has been inconsistent, and the issue remains unresolved. 

In an effort to expedite the resolution, I have submitted supplementary documentation to support my case and clarify the inaccuracies. 

Despite these efforts, the late open accounts continue to negatively impact my credit report. This situation is not only frustrating but also raises concerns about the accuracy and reliability of the information maintained by Credit Bureaus. As a consumer, I rely on accurate credit reporting to make important financial decisions, and the persistent errors on my report hinder my ability to do so. 

I kindly request a thorough investigation into the late open accounts listed on my credit report and a swift resolution to correct these inaccuracies. Additionally, I seek clarification on the specific steps taken during the investigation process and a detailed explanation for the continued presence of these errors. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my hope that Credit Bureaus will take immediate action to rectify this matter and provide a clear and transparent resolution. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to protect my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$650.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$3000.00}.
Consumer complaint received 2024-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I have already reached out to the creditors regarding the validity of the debts associated with these accounts, but I received no response or verification. Upon scrutinizing my credit report, I have noticed that these accounts are being incorrectly reported as late payment accounts. I demand that you provide proof of the late payments on these accounts or, in the absence of such evidence, delete the negative payment status and remove the associated late date markings. I am writing to demand immediate rectification of grossly inaccurate information on my credit report pertaining to the following accounts : XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$1200.00} and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1800.00}. Failure to comply within 30 days of receiving this letter will leave me with no other option but to pursue all available legal remedies to rectify this situation. This is not a mere request ; it is a direct and forceful demand for the immediate correction of the errors on my credit report.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC (CT)

In XX/XX/XXXX, I took out an auto loan to purchase a car with Carvana. ( Attached is screenshot of agreement. ). The car is a XXXX XXXX XXXX. Within a month of having the car, it had to be brought to the mechanic ( XXXX XXXX XXXX ) to get a new axle, brakes and rotors. 
Then, at end of XX/XX/XXXX, the car broke down completely because of a failure of its transmission control module. I was told by XXXX dealer that that part was on a 3 year back order. The car sat, completely undrivable, for almost 3 months. I decided to call a different XXXX dealer ( XXXX XXXX XXXX in XXXX, CT ) and after much communication between the dealership and XXXX headquarters, the part was replaced at no charge. 
I recently checked on XXXX XXXX XXXX website to see the actual value of the car. They value it at {$2700.00}. Carvana charged me 6 times as much! Its unfair for them to have charged this much for this car when the XXXX XXXX XXXX value is just under {$3000.00}, and I have already had several things fixed on the car since I have had it! 
At this point, my car payments, thus far, have already equaled the XXXX XXXX XXXX value and I feel this car loan should be closed ( as in paid in full )! *There are no add-ons to the car that are worth all that!
Consumer complaint received 2024-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-06
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: WELLS FARGO & COMPANY (CA)

I am a graduating XXXX student, looking for a loan for XXXX costs and living expenses. I found the Wells Fargo loan and went through the initial process to find a loan. A loan was returned, offering a variable APR of 9.76 % and a fixed rate of 10.89 %. I clicked " Apply Now '' and went throu gh the process of putting my info in. It populated their required disclosur es in another window, where the variable rate showed 10.24 % and the fixed rate was 11.49 %. I called Wells Fargo to figure out what the real rate was and explained what I saw as a " bait-and-switch '' tactic ( assuming no one actually reads the disclosure statements ). The agent was very nice, but had no explanation, saying he would " Send it over '' and have " them '' look at it. Given the REALLY bad press Wells Fargo has gotten recently, you would think they 'd be a little more conscientious about their conduct.
Consumer complaint received 2023-09-25
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. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (NY)

I contacted Mr. Cooper on XX/XX/XXXX for a modification package. I contacted my single point of contact using information from a QWR letter mailed to the servicer in XX/XX/XXXX. The single point of contact number in the letter was incorrect. I was not routed to my single point of contact. Instead i was given an automated message to call a different number. I waited on hold for about 10 minutes. The representative picked up the call and asked me to verify the information on the loan. I requested a modification package from the representative. The representative talked for several minutes and said i needed to have my attorney contact the servicer. I do not have an attorney and i only am asking for a modification package to be sent to my mailing address. I then asked again to be sent a modification package. I was not told where to find a modification package or how to get a modification package. I was only told that my attorney needs to contact Mr. Cooper. I am representing myself Pro-Se and have not retained an attorney for this matter. So, I again requested a modification package. The representative told me on several occasions that she would not send me a package. I spoke to the representative until XXXX XXXX EST and was not provided any information on the modification package or how to obtain a modification.
Consumer complaint received 2024-04-06
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. (TN)

I am writing to express my ongoing dissatisfaction and frustration with the handling of my fourth attempt to remove fraudulent items from my credit file. Despite multiple efforts on my part and the submission of substantial evidence, the response from your company continues to fall short of addressing the urgency and severity of the situation. 

Despite providing comprehensive documentation and evidence clearly demonstrating the fraudulent nature of the items in question, the responses I have received thus far have been inadequate and have failed to offer any meaningful progress towards resolution. This ongoing lack of accountability and transparency has left me feeling frustrated and powerless in rectifying this matter. 

XXXX a thorough and expedited review of my case, with a firm commitment to prioritize its resolution. 
Promptly remove all fraudulent items from my credit file and provide confirmation of their deletion. 
Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse to safeguard my rights and interests. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX, XXXX, NC, XXXX XXXX Lower XXXX XXXX XXXX, XXXX, NC, XXXX XXXX XXXXXXXX AUTO XXXX XXXX Balance : {$0.00} XXXX XXXX AUTO XXXX XXXX Balance : {$0.00} XXXX BANK XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX & XXXX XXXX XXXX XXXX {$6300.00} XXXX & XXXX XXXX XXXX XXXX {$3600.00} XXXX & XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX Station XXXX TN XXXX XXXX XXXX XXXX AUTO XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX AUTO XXXX XXXX Balance : {$0.00} XXXX BANK XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX  XXXX Balance XXXX {$2700.00} XXXX & XXXX XXXX Balance : {$6300.00} XXXX & XXXX XXXX Balance : {$3600.00} XXXX & XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XX/XX/XXXX XXXX XXXXXXXX AUTO XXXX XXXX XXXX XXXX {$0.00XXXX XXXX XXXXXXXX AUTO XXXX XXXX Balance : {$0.00} XXXX BANK XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$500.00} ALLY XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX REGIONAL FINANCE XXXX XX/XX/XXXX XXXX XXXX XXXX TN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.