davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Credit reporting 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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Per agent at Experian XXXX in the dispute department on XX/XX/XXXX, in order to remove the security freeze he provided the email XXXX. 
On XX/XX/XXXX, XXXX XXXX, from XXXX XXXX, redirected me to dispute center.
Consumer complaint received 2022-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

On XX/XX/2022, I was approved for 6 months of payment for my mortgage by the Federal Funded program called XXXX XXXX XXXX XXXX XXXX XXXX by the Florida XXXX XXXX XXXX. My payment were issued to the mortgage company beginning XX/XX/2022. I was informed by a XXXX employee that the payment was indeed mailed out on the XXXX of XXXX. I waited until the XXXX of XXXX to see if payment was going to be posted to account but it wasn't. I placed a call to United Wholesale Mortgage on the XXXX and was informed they have not received a payment. I then called back to XXXX and was reassure that payment was sent. I have placed called several times a week with United Wholesale Mortgage regarding my XXXX payment was told, they have no payment for XXXX. I went back and forth with reps from UWM as to verifying wirh XXXX where they sent the payment and it was indeed sent to the righr address. I was then told they have no knowledge of me even having applied for any type of assistance from the program. I then forwarded my award letter from XXXX to XXXX as documentation that I applied and was approved by the program for 6 months of forward payment. My mortgage is now 1 month behind and has now accumulated a late fee. I'm asking for help in getting these payment applied to my account.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Spoke several times to agency at Capitol One Credit Card Services regarding the delinquency reported on XX/XX/2023. They claim they did not receive written information. I have sent that via mail as requested dated XX/XX/2023. The account was not delinquent for XX/XX/2023. A payment arrangement was in place ahead of time.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent letters to Transunion and XXXX, regarding this account and they keep rejecting my dispute letters. 

The account below is in question of its inaccuracy. 

Company : XXXX Account # : XXXX Inaccurate information on account : ( dates ) -Date Opened -Last Reported -Date Last Active - Verify date of last payment All the information is wrong and according to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly or delete them. 

XXXX deleted this account from my report because of the inaccurate and unverifiable information on my credit report. 

I provided proof of the mismatch information. 

Thank you for your time.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

On XX/XX/2023, letters were sent to XXXX, XXXX, and Equifax to request the removal of hard inquiries reported to my credit file, because I did not authorize those companies to pull my credit report and I do not recognize them. The credit bureaus responded back to me stating that the hard inquiries were verified without providing proof of how they verified the accuracy of the information.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2015-08-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

XXXX months ago we submitted a complaint against Nationstar ( case number : XXXX ). They claimed we missed a payment that was automatically withdrawn from our bank account. We provided bank statements to prove the mortgage was paid and with your help, they acknowledged it was their error. 

Last month we got another email saying we missed a mortgage payment. When we called them up and told them CFPB had helped resolve this issue they said it would be fixed. 

Now I got another email telling me we have n't made our mortgage payment!
Consumer complaint received 2023-09-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Deinde Online Services, LLC (OH)

I started the application in XX/XX/2022 and online applied for {$3000.00} and was approved. The website said the interest rate was only 28 %. I received a call from a rep who needed to verify loan details. They as well reiterated the amount available and the interest rate. However when being funded I was not awarded the amount. I was deposited {$2000.00} and the interest rate is over 200 %. I have been paying for almost a year and none of the payments have applied to the principal. I am unable to access the site and havent received any documents. I have tried to call them and ask for clarification but the people there are extremely rude.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/2023, I received my copy B of the IRS 1099-C form that was processed and accepted by the IRS for XXXX XXXX Account : XXXX, discharging this debt. My XXXX XXXX account has not been updated to reflect that this account is paid in full, I have not received title of the vehicle, nor has my credit report been updated to reflect that this account is paid in full. The responsible parties to insure that the proper rules are followed regarding the issuance of securities and who protects the interest of the investors are both XXXX XXXX XXXX XXXX XXXXXXXX and the indentured trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX with XXXX XXXX and General Counsel, XXXX XXXX XXXX, as responsible signor. ( attached is the accepted Copy B 1099-C form )
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My wages were garnished by XXXX XXXX on XX/XX/2018. The amount of judgment was XXXX XXXXXXXXThe company has the following address on file with the following reporting agencies : The XXXX address for XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Experian address for XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX address for XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I attempted to contact XXXX to correct the issue. They would not return my contact or resolve the issue. XXXX went through XXXX XXXX to garnish the wages. XXXX nor XXXX XXXX has acted properly. The account showing it has not been paid off impacts my credit, life, employment, and peace of mind.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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 XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting validation of XXXX XXXX credit debt, with the acct number XXXX per my right granted by the FDCPA under section 809 ( b ). I dispute the validity of this debt and kindly request that TransUnion provide proper documentation and evidence to verify the following information : 1. The full details of the debt, including the originals creditors name, account number, and the amount owed. 
2. A complete payment history, detailing all transactions and charges made to the account. 
XXXX. Proof of a signed agreement or contract myself and XXXX XXXX, indicating my responsibility for the debt. 
4. Verification of statute of limitations for this type of debt in my state. Please provide the date of the last activity or payment made on this account. 
XXXX. Proof that your company carries a bond. 
XXXX. Proof of how your company assessed the outstanding debt. 
XXXX. Name and address of the original creditor. 
XXXX. Chain of title of this debt. 
XXXX. COPIES OF ALL LETTERS SENT TO ME FROM YOU AND FROM THE ORIGINALCREDITOR. 
Your cooperation in providing the requested validation is necessary to ensure the accuracy and legitimacy of the debt in question. Failure to provide adequate verification within 30 days is a violation of the FDCPA.
Consumer complaint received 2023-09-12
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. (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.

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX 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 2023-09-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC (FL)

I have an auto loan with BMW USA. The send is through something called Alphera Financial Services. I urgently need a payoff quote so that I can pay the loan off and sell the car. The website has been down for days, I can not log into my account, and the telephone customer service number says that they are down for an unforeseen reason. So basically BMW, USA and its financing arm or both gone dark. I urgently need resolution to this, but can not contact anyone at either BMW USA or Alphera.
Consumer complaint received 2023-07-31
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: Westlake Services, LLC (MD)

7/30/2023 XXXX  Fraudulent inquiry 
7/19/2023 XXXX XXXX XXXX XXXX XXXX      Fraudulent inquiry 
7/19/2023 XXXX XXXX XXXX XXXX  Fraudulent inquiry 
7/19/2023 XXXX XXXX Fraudulent inquiry 
7/19/2023 XXXX XXXX XXXX XXXX Fraudulent inquiry 
7/19/2023 XXXX XXXX Fraudulent inquiry 
7/19/23 XXXX XXXX     Fraudulent inquiry  
10/7/2022 XXXX XXXX XXXX Fraudulent inquiry  
10/7/2022 XXXX XXXX XXXX Fraudulent inquiry 
1/10/2022 XXXX XXXX          Fraudulent inquiry.  
7/19/2023 XXXX XXXX XXXX  Fraudulent inquiry
7/19/23 XXXX XXXX XXXX Fraudulent inquiry
Consumer complaint received 2023-09-12
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. (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. 


Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX 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 2023-08-22
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in XXXX I contacted Bank of America for fraudulent charges posted to my account. They filed claims on my behalf and I NEVER received anything regarding my claims. This happened so many times I had to call to cancel my card and get new ones, still never getting my money backs. Finally in XX/XX/XXXX claims were filed again to which ONE claim # XXXX was resolved in my favor for {$390.00}. Claim # XXXX for XXXX XXXXXXXXwas denied! All transactions should have been one claim because they are the same merchants! How can one be approved and one denied?! Makes no sense. Also, in XX/XX/XXXX I was credited back the international transaction fees associated with the fraudulent charges with no letter, nothing. I have given BofA every bit of information requested and then some. I need my money back please!
Consumer complaint received 2023-09-12
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. (NY)

I DO NOT ACKNOWLEDGE ANY OF THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS XXXX XXXX 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 2023-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Disputed Transactions and Request for Resolution - Truist Bank Dear CFPB, I am writing to bring to your attention a concerning situation I have encountered with Truist Bank regarding a series of unauthorized transactions on my account. I hope that the CFPB can assist in addressing this matter and ensuring my rights are protected under applicable consumer banking laws and regulations. 

Account Details : Account Holder : XXXX XXXX XXXX XXXX Account Number : XXXX Bank Name : Truist Bank Description of the Issue : On XX/XX/XXXX, I discovered several transactions on my Truist Bank account that I did not authorize, nor were they made with my consent. These transactions, listed below, have left me deeply concerned about the security of my financial assets : XXXX. Dispute ID - XXXX Transaction Amount : {$2600.00} I immediately contacted Truist Bank to report these unauthorized transactions and requested a thorough investigation into the matter. However, the bank 's response has been unsatisfactory. They seem to believe that I am responsible for these transactions, despite my insistence that I had no involvement in them. 

Evidence of My Claims : I have substantial evidence to support my assertion that I am not responsible for these transactions. This evidence includes but is not limited to : XXXX. Surveillance footage or location data proving I was not present at the transaction locations. 

XXXX. Timestamps or other records that demonstrate I did not initiate these transactions. 

XXXX. Any correspondence, such as emails or text messages, indicating that I did not authorize these transactions. 

Request for Resolution : I firmly believe that, as a victim of fraud, I am entitled to a prompt and just resolution of this matter. I kindly request that the CFPB intervenes to ensure that Truist Bank conducts a thorough and unbiased investigation into these disputed transactions. I also request that the bank promptly refunds the full amount associated with these unauthorized transactions to my account. 

I would appreciate your assistance in expediting the resolution process to ensure that my consumer rights are upheld and that I am not held responsible for fraudulent transactions that I did not commit. 

Please let me know if any additional information is required from my end to facilitate this investigation. I am ready and willing to cooperate fully in this matter. 

Thank you for your attention to this serious issue, and I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-21
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. (TX)

I demand the deletion of the fraudulent inquiries and public record listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter 7 Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Consumer complaint received 2023-09-12
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. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-09-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (GA)

I received an American Express Reward Card with the amount of {$21.00}. I am unable to use this ANYWHERE, despite the company saying it should be able to be used EVERYWHERE. Every single time I try to use this card it is decline/says invalid. My purchase attempts are under the available balance, so that should not be a problem. I double checked that the card is activated. Whether I try to use it online, in the store, it doesn't matter. Nothing works. The company just basically says keep trying until you find somewhere it will work. I have tried XXXX, XXXX, XXXX no luck. Tried loading to XXXX XXXX no luck. Nothing works with this card, it is basically a scam to hold your money.