davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-11
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. (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. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX : # XXXX, Account name : # XXXX, 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 2024-04-06
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 am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ) and formally request the immediate removal of charged-off accounts from my credit report. The presence of these accounts not only inaccurately reflects my financial standing but also constitutes a defamation of my character. 

Under the FCRA, it is mandated that consumer credit information reported by credit reporting agencies must be accurate, relevant, and timely. However, the charged-off accounts listed below fail to meet these standards and must be removed without delay : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Account charged off. {$18000.00} written off. {$3300.00} past due as of XX/XX/XXXX. 
Balance : {$3300.00} ( as of XX/XX/XXXX ) Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Account charged off. {$1400.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
Balance : {$2600.00} ( as of XX/XX/XXXX ) Furthermore, I have never received a 1099-C Form related to any of the alleged debts. It has come to my attention that these companies have utilized the debts as tax write-offs without providing proper notification, which further exacerbates the inaccuracies on my credit report. 

Per FCRA regulations, charged-off accounts should reflect a {$0.00} balance and be removed from my credit report accordingly. I demand that immediate action be taken to rectify this situation and restore the accuracy of my credit report. 

Failure to comply with this request within the mandated timeframe will result in further legal action to enforce my rights under the FCRA. I expect your prompt attention and cooperation in resolving this matter. 

Thank you for your immediate attention to this request.
Consumer complaint received 2021-01-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Evergreen Moneysource Mortgage Company (OR)

We have been providing XXXX XXXX and XXXX XXXX XXXX of Evergreen Home Loans every bit of information requested for months. Specifically and the latest incident is that our loan was declined due to the fact our rental property has not been rented for at least a two year period of time. When we inquired as to why they were telling us this only now when we furnished the rental property information months ago, their response was " lending requirements are always changing ''. In fact we learned that this has been a requirement of the USDA since 2016. Meanwhile, we have to forfeit a deposit we put on a manufactured home at the request of XXXX XXXX, a loan processor for this company to enable her to obtain a copy of the sales agreement in the amount of {$2500.00}. The evidence backing this complaint is in the form of numerous emails we will be happy to forward upon your request.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

Synchrony Bank XXXX Lowe 's Credit Card : Earlier this year my account preferences were changed ( not by me ) to have billing received electronically. My account was setup for paper billing. Chatted with Synchrony and they agreed to have partial late fees and/or interest removed. I have continued to use the card not paying for any past late fees and/or interest due to the switching of my preferences and only paying for my merchant purchases. Synchrony continues to add late fees and/or interest to my account w/o any merchant activity. The issue may lie with multiple credit cards ( merchants ) serviced by Synchrony. Each credit card preference s/b handled individually by merchant.
Consumer complaint received 2022-12-11
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. (IL)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (IL)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2017-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

X/XX/2017    sent a  XXXX  letter asking that they provide me physical proof of how they verified an account when I received an email from the actually company stated she cant find me in her systems. Yet TransUnion is saying they verified accounts belong to me. They didnt not investigate anything. I would like these items removed immediately.
Consumer complaint received 2024-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (MI)

Company MRS BPO , LLC sent a debt validation letter on XX/XX/XXXX regarding an account with XXXX Bank. The company is illegally attempting to collect on a debt that has been charged off and written off by XXXX Bank as a loss. ( XXXX from XXXX Bank is attached ). I sent MRS BPO , LLC a response on XXXX XXXX, attaching the original debt validation letter and an extra attachment outlining XXXX XXXX XXXX companies violations under the FDCPA. This company has received my personal information illegally violating my rights pursuant to The Privacy Act of XXXX. ( I HAVE ATTACHED COPIES OF THE ORIGINAL LETTERS SENT TO MRS BPO , LLC ON XXXX XXXX ) the company has provided no updates in regards of how they will cure and correct these matters and provide compensation for their violations against the FAIR DEBT COLLECTION PRACTICES ACT regarding I the consumer. 


I AM REQUESTING COMPENSATION FOR THE AMOUNT INDICATED WITHIN THE LETTER SENT TO MRS BPO , LLC FOR THEIR ILLEGAL PRACTICES BY VIOLATING THE FAIR DEBT COLLECTION PRACTICES ACT WITHIN XXXX XXXX XXXX WHICH HIGHLIGHTS PURSUANT TO THESE VIOLATIONS THE DEBT OR CAN SUE THE DEBT COLLECTION COMPANY FOR DAMAGES AND ATTORNEY FEES
Consumer complaint received 2022-12-10
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: EQUIFAX, INC. (GA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: KEYCORP (NY)

So Ive attempted to open an account with XXXX XXXX. They will not open my account because of negative remarks from KeyBank. It keeps saying something about checks. I never had checks with KeyBank when I had an account with KeyBank and every time I went to cash my employment check because of the amounts I always had issues so I ended up closing my account which they gave me a hard time doing that and went to bank with XXXX which Ive havent had any issues with since I also have an account with XXXX thats been in good standing for a while now as well so the report from XXXX XXXX came in. I called the people who they go through for the credit check. They told me to reach out to KeyBank. I reached out to KeyBank. Theyre saying that there isnt anything the information that theyre giving me is incorrect so they gave me who they go through when they pull credit reports contacted them. They said that they dont see anything for me to reach back out to the people who pull the credit reports for XXXX XXXX reached out to them, filed a complaint for them to look further into it and reach out to KeyBank . They sent me a letter stating that, even though when KeyBank sent me the credit report and the information that they had, I sent it to them when I Filed the claim they said that it came back. Still something on there is saying that theres something on KeyBank report and I would like for it to be removed because I closed my account with keeping. I dont owe KeyBank anything and Ive never wrote a check because I never received checks I used to cash my employment check.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I previously disputed this account XXXX XXXX XXXX Mo debt of ( XXXX ) stating : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation. Please mail me the proof of your investigation and proof that this debt collector has legal right to collect, or delete this account.
Consumer complaint received 2022-12-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TIDEWATER FINANCE COMPANY, INC. (MD)

On XX/XX/2022, I sent affidavit with recision of contract to my finance company XXXX XXXX XXXX, due to the FDIC rules and regulations that were violated with my contract through the dealership. I'm enclosing all documents and correspondence I've had with them. They sent me a response on XXXX with my contract saying I signed the contract so I had to pay. They then sent another letter on XXXX that suggest my rescission of contract was a scam and that I was still liable for the remaining balance. On XXXX they sent me a repossesson letter for balance of {$4100.00} by XXXX. I then sent them a XXXX form on XXXX but I forgot to sign the back so I sent another one on XXXX that was signed on the back along with a XXXX form. They then responded back with a letter XXXX saying a XXXX form was for a mortgage and my debt is not cancelled or paid or forgiven by the United States Treasury department. That's why I'm filing complaint with you. I'm trying to upload all of my documents but it's not letting me do it, can you please send a email or portal to send my documents.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Victim identity theft account takeover within first 20 days deposit XXXX sent fbi reports ftc nypd etc and they saying they paid my claim but not my husbands who they said no bank error found but didn't realize they were sending his debt cards statements etc to the address of the people who stole identity and sent 30+ supporting documents of proof but say they paid my claim in full mov XXXX but didn't still didn't secure account my husband never once got mail or debt card been fighting with them for 13 months over this when they alerted us of it!
Consumer complaint received 2022-09-21
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. (LA)

On Tuesday, XX/XX/2022, I, XXXX XXXX XXXX, submitted via postal mail, a dispute letter to Experian, advising them two accounts were being reported inaccurately to my credit profile. On Sunday, XX/XX/2022, I was advised via email that my dispute was opened and on Monday, XX/XX/2022, I was informed the disputed information would Remain because the reporting company stated the information was accurate. The two accounts I am disputing is with XXXX XXXX XXXX XXXX. Both accounts are Auto Loans, but they are being reported as Personal Loans. This information is inaccurate. One account has a balance of {$24000.00} and the other account has a balance of {$3900.00}. I have attached the dispute letter, which goes into detail about each account and I have also included a screenshot of my Experian account where it shows the accounts being reported/categorized as Personal Loans and not Auto Loans.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

According to 15 USC 168i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 USC 1681s-2 ( A ) ( 1 ) ( E ) ( ii ) ( ii ) Banking agencies ( I ) In general If a financial institution is supervised by a Federal banking agency, the financial institution shall seek written approval concerning the terms and conditions of the loan rehabilitation program described in clause ( i ) from the appropriate Federal banking agency. 

( II ) Feedback An appropriate Federal banking agency shall provide feedback to a financial institution within 120 days of a request for approval under subclause ( I ).
Consumer complaint received 2023-08-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (MD)

I reaffirmed an auto loan with Wells Fargo XXXX XXXX after filling XXXXXXXX XXXX in XX/XX/XXXX. I continued making all of the loan payments on time every month. However, Wells Fargo still removed my auto loan from my credit report and said they would report the loan again to the bureaus once it was paid off. 

I paid off the loan a year ago in XX/XX/XXXX and submitted a request to have the tradeline added back. Wells Fargo sent me a letter which states that they " asked '' the bureaus to add the tradeline back. However, that doesn't seem to be true. I've followed up several times with Wells Fargo and the three main credit bureaus. Wells Fargo tells me they reported the loan but all three main credit bureaus tell me they haven't received any communication from WF Dealer Services on my behalf. 

In XX/XX/XXXX I decided to check my XXXX report and found an old WF Dealer Service record which was missing data from XX/XX/XXXX through XX/XX/XXXX. So I submitted a dispute through XXXX on XX/XX/XXXX to have the missing months updated. Then the record disappeared entirely. I called XXXX and spoke with an agent who said Wells Fargo 's response to the dispute was to delete the record entirely. 

I'm baffled at why Wells Fargo would tell me they've tried to add the tradeline back and then also delete the only record remaining. 

I've been dealing with this issue for 11 months and I'm getting no where. I'm desperately trying to improve my XXXX XXXX and I really need this loan to be reported on my credit history. 

XXXX = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX XXXX = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX XXXX = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX XXXX = Record was deleted by Wells Fargo on XX/XX/XXXX
Consumer complaint received 2023-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (IL)

Axos bank stole my money! My mortgage was purchased by Axos bank over a year ago and I setup autopay. Everything was going fine for a while. On XX/XX/2023 Axos bank withdrew two mortgage payments from my bank account on the same day. I did not setup two payments. When I spoke to XXXX, their customer service rep, he admitted it was the bank that had caused that to happen. He said the last time there was a change on my account was in XXXX, XXXX, but I advised him that I did not log in and make that change. He admitted the problem was on their end. Now they won't give me my money back. They said it would take 30 days to cut a check and suggested I work through my own bank to stop the payment. My own bank said that because it was an ACH initiated by Axos, my bank can't stop the payment at this point ( now 24 hours later ). 

My own suspicion is that Axos is undercapitalized and is looking for money anywhere they can find it, but that's purely speculation.
Consumer complaint received 2023-06-19
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account 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.
Consumer complaint received 2022-09-20
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  account # 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.