davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
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. (OH)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified 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. 

The law is very clear as to the XXXX liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I don't recall having a HAND WRITTEN agreement with any of the following companies that have been reporting falsely on my credit. I don't know who any of these companies are, therefore I demand the following accounts be verified or deleted immediately. 
: 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 2021-05-20
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. (UT)

The three major credit bureaus are reporting an erroneously on my account and it must be fixed immediately. I have been disputing this account for some time now and have recently received a deletion letter for the account. I sent the deletion letter to all 3 credit bureaus but every time I take a look at my credit it continues to report. The late on XXXX XXXX XXXX is inaccurate. I have attached a letter stating so. This is keeping me from being able to buy a home and needs to be resolved ASAP.
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST (CA)

Opened an account with Bank of the West under the promotion of receiving {$250.00} after setting direct deposit from employer for {$500.00}. When I opened the account, I confirmed with the bank if I would receive the promotion and got an affirmative answer. After completing the terms of the promotion offer, when I called the bank to inquire about it, I was told that the promotion code which I used was already used by someone else and so they can not honor the promotion terms.
Consumer complaint received 2021-05-20
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. (AR)

On XXXX XXXX I went to see about a car loan out of curiosity in XXXX Texas XXXX which I had already applied online.So I went to my online to unlock my reports from all 3 credit bureaus.The only one 's I could do is XXXX and XXXX to unlock those reports, I could not do Transunion at all because it has a freeze on it, which I called the number to unfreeze it it would not allow me to unfreeze it at all onXX/XX/2021I specifically told the dealership if you decide to do it just let it be XXXX XXXX or my Bank, so after they realize they could not get the deal done they told me to go to my source of financing.So I left the dealership with the deal undone, with no inquires on my credit report from Transunion because my report had a freeze on it which I could not get into after calling the number XXXX and a second number XXXX which I could not get my report unlock from XXXX XXXXAfter leaving the Dealership with the deal undone.I expected no surprise inquires on my credit report at all from Transunion.On XXXX XXXX I was awaken by my phone at XXXX in the morning that alerted me that someone had taken the freeze off my credit report from Transunion and put a lock status on it XXXX which it is still unlock until this day, this should have never occurred, because I did not change the status to unfrozen to a lock status whoever went off into my report at XXXX in the morning made that change and sent my report to five different inquiries with some non working numbers, which I have Transunion to dispute them all.There were only two attempts to get into my credit report from Transunion, which that let me know there was a freeze on my credit report from Transunion, so how did they get off into my report on Sunday morning at XXXX Sunday morning is a question I would like to know? I believe someone changed the file numbers on my report from Transunion the alerts came from XXXX XXXX which I am a member of that particular group.On this day ofXX/XX/2021.I call the emergency number XXXX, but I was not for sure where their police station was in XXXX Texas, which I called back the number XXXX XXXX XXXX XXXXXX/XX/XXXX and did not leave a voicemail.The dispatcher left a voicemail though, so I figure I would try to resolve it when I get back home a file a consumer protection bureau report after gathering some information.The inquiries were XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXXl XXXX XXXX XXXX and XXXX XXXXThese inquiries should have never occurred because there was a freeze on my credit report and the status change from frozen to a lock status on my account.Look at the papers that are scan to you all XXXX in the morning the file was frozen at the time there was not lock on it my credit report was frozen, but the file was delivered to those 5 inquires on XXXX XXXX
Consumer complaint received 2021-05-20
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. (GA)

I've filed several disputes with the credit bureau and even after Ive placed a credit freeze on XXXX. I contacted XXXX  and they stated that they havent verifed any information since the credit freeze. I went back and requested to know where they verified and they told me thru the bankrupcy court. So I called them and they stated they dont verify or give out information to third party. The agent hung up on me several times and refuse to properly remove this off my credit.
Consumer complaint received 2023-08-09
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. (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.

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 2021-05-19
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: EQUIFAX, INC. (AZ)

I submitted disputes to XXXX, XXXX XXXX, Equifax on XXXX XX/XX/21 for an unknown collection acct appearing on my credit reports. All three agencies verified the alleged account. The collection company is listed as XXXX XXXX XXXX which is also shown as XXXX XXXX XXXX. This company has not responded to written request for information, I don't believe this acct exists .I don't know who they are collecting for. I have excellent credit and don't owe any outstanding debt. All three credit bureaus continue to report this unverifiable, inaccurate account in violation of federal law. I have attempted to resolve this and have been ignored. The furnisher has not responded to written requests either.
Consumer complaint received 2021-05-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2021 I sent a letter requesting verification of alleged collections accounts that were being reported on my consumer reports and was being reported by XXXX, Transunion, and XXXX. I sent another request for debt verification and investigation on XX/XX/2021 and again on XX/XX/2021. I have NEVER received a response from either company informing me of the outcome of their investigations. 

I am now requesting a DEMAND TO COMPLY AND DELETE ALL ACCOUNTS AND INACCURATE INFORMATION LISTED ON THE ATTACHED PDF.
Consumer complaint received 2024-04-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (GA)

I am a 100 % XXXX Veteran, XXXX XXXX XXXX, and my survival depends on me receiving my VA and Social Security each month. I HAD TO " BORROW '' FROM MY XXXX SONS TO SURVIVE IN XXXX! I am a widower and this is the only source of income. 
In late XXXX i answered an email ad that told me I was " Approved '' for an {$8000.00} loan, and they used a name of a company that I had dealt with many years ago -- The XXXX XXXX. After filling out the application, all XXXX broke loose, as there were fictitious deposits made ( no withdrawals ) and Wells Fargo told me that I was no longer going to be their client, and my XXXX account would be permanently closed as of XX/XX/XXXX. They also closed my checking account, During the month of XXXX I had deposits made by both the VA AND SOCIAL SECURITY but was NOT ALLOWED to withdraw or in any other way get over {$6000.00} that was deposited. Their security REFUSED TO DISCUSS the situation, and XXXX smart XXXX told me that he hoped that XXXX had learned my lesson ''! I would LOVE to teach HIM a lesson! I tried many times during last month to talk with them, and even went to my local branch, but they were not able to discuss with me. They told me that I had " exposed '' their bank to fraud -- and the reason is that when I completed the application I placed my Account Number and Routing number in order for them to fund my loan. 
I attempted to call many outside agencies with no success. In fact-one of the contacted agencies suggested that I report this to CFPB, since you folks " know what you're doing ''.. I sure hope so. I also have stage XXXX XXXX, and would sure like to have this resolved before I check out. ANY help or XXXX will be greatly appreciated.
Consumer complaint received 2021-05-20
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: Experian Information Solutions Inc. (TX)

pened a XXXX secured credit card account. I was approved and funded the card through an ACH transfer from my bank to XXXX. A card is mailed to me and I am able to activate and use the card. A week/10 days in, I am asked to submit a verification document. 10 days after that, I received an email saying that my account has been closed. I called XXXX to get information regarding the closure. They could provide none other than " business decision. '' I asked about recourse, next steps and why there was no adverse action notice. They had no answers other than " our current policy is not updated '' so we can not provide any information regarding the business decision. Any remaining credit balance will be mailed to me in 4 months. Why was I approved for a card and then denied with no explanation or recourse? In addition, why are they holding on to my money and collecting interest on it based upon their unilateral decision? The phone agent did indicate that I could reapply for a card. It I can reapply for a card though I suspect it would be rejected and further harm my credit score. 

In my XXXX complaints, XXXX reviewed my complaint and cited no new information and provided no answers : They provided no adverse action notice and no justification for their decision. They must inform me of where they got their information and how it can be corrected. I received neither of those. When pressed in the XXXX  complaint, XXXX offered no information and subsequently the XXXX complaint was closed without resolution. 

They are violating FCRA as their denial of credit impacts my credit score. I have a right to know why my credit account was closed and how I can correct any errors that led to that bad decision. They do not get to have my money for several weeks while they review and ultimately cancel my credit account. 

As this closure negatively impacted my credit score and any subsequent attempt to reopen an account would further impact my account, they have a responsibility to disclose.
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (AL)

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.

The letters are stated with items and issues.

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 2021-05-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (CA)

Variable rate line of credit was funded XX/XX/19, Reviewed loan and found not in compliance I XXXX XXXX ( mother ) involved with process with son 's signed authorization. 

I have XXXX XXXX in remission and made several mistakes on my complaint letter, however still mistakes. 

Note describes PRIME as index but does not indicates MARGIN example : plus or minus 1/4 pt. 

This transaction was done via internet and son did not receive early disclosures including booklets. 

Rates have changed with no notice Maybe other issues that I'm not aware of
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Today XX/XX/2021 I was going to pay my phone bill and was declined. when I went to check my bank account I was overdrawn XXXX dollars from some stimulus payment I never authorized wells Fargo to deposit into my account. when I called I was told it was put in my account so that my account would be positive to receive my stimulus but when I asked the supervisor " you mean to tell me if i have a negative balance and my account isn't about to be closed out i wont receive my stimulus payment? '' he responded no you would still get your money. i then asked him why would wells Fargo deposit XXXX into my account without my authorization? I didn't need the money and it should have been taken out once the stimulus hit my account in XXXX not half way through XXXX. Wells Fargo leaked my info and i won a small settlement for that and ever since then baking with them has been a complete nightmare from hidden bank charges to overdrawing my account when bills are due!
Consumer complaint received 2024-03-26
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. (TX)

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. 

XXXX XXXX XXXX  Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX This account is actually settled by litigation and was illegally added to my report. My lawyers info is following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$300.00} Open balance XXXX XXXX XXXX  Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$190.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$190.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX, has violated my rights. 

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. 

I have asked Equifax, XXXX XXXX to remove these accounts immediately and they refuse to comply even though this is a blatant act of ID Theft.
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Below is my copy the XXXX servicer. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Regarding : Account # XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX Ca XXXX Loan investor : XXXX XXXX Im not sure how far the predatory lending and financial abuse has to go and to how many government agencies I need to file complaints with, but if you do this to me you do to others. 

I received a call today XX/XX/XXXX from XXXX XXXX XXXX who claimed that PennyMac spoke to the investor and I did not qualify for the forbearance extension through XX/XX/XXXX because Im late over 15 months, even though I have a letter dated XX/XX/XXXX from Penny Mac stating that I do qualify until XX/XX/XXXX. 
The supposed reason for my POST DENIAL is that your company claims that I have been late 15 months. And if you want me to agree it is because YOUR COMPANY HAS refused to accept my payments from XXXX through XXXX OF XXXX with my ATM XXXX XXXX card ), If it wasnt for your companys refusal to accept my payments Im full within the timeline of the Cares Act that was extended until XX/XX/XXXX for the Pandemic Forbearance. 
My next step after the call : I reached out to XXXX XXXX and spoke to XXXX who opened a new case in addition to that she shared that my previous ( complaint ) case with XXXX XXXX was closed because I had failed to submit my financial application to the servicer for the loan modification and that the last communication with PennyMac was on the XXXX of XXXX. 
What happened to the application I faxed on the XXXX of XXXX??? why did you not provide that to the investor? I did provide the information for the Modification that was due by the XXXX of XXXX and your institution just refused to forward it to the investor. 
Instead your predatory institution sent me a denial letter on XX/XX/XXXX claiming that I had withdrawn my modification request. WHEN DID I DO THAT????? 

ARE WE BACK TO XXXX?? 

Dont be deceitful and dont lie to the investor. 

I demand that this be solved immediately, As I stated on my prior letter to you MR XXXX I have my senior parents ( XXXX & XXXX ) living with me and I wont let you take our home from us. 

XXXX XXXX CC : XXXX XXXX XXXX XXXX  XXXX XXXX Attorney General