davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NY)

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the FCBA, FCRA, ECOA, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( s ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be one of verifiable conformity to the Metro 2 Data Field Formatted Reporting Standards, as per CDIA guidelines!

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to.

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (TX)

I am writing to file a formal complaint against XXXX XXXX for failing to provide a complete debt validation response as requested under the Fair Debt Collection Practices Act ( FDCPA ). This is in violation of several laws, including but not limited to : 1. Fair Debt Collection Practices Act ( FDCPA ) : XXXX XXXX is obligated to provide accurate and complete verification of the debt upon request, which they have failed to do so.

2. Truth in Lending Act ( TILA ) : The TILA requires lenders to provide accurate and complete information about debts to borrowers, which XXXX XXXX has not complied with in this instance. 

3. Consumer Financial Protection Bureau ( CFPB ) Regulations : Under CFPB regulations, debt collectors, including XXXX XXXX, are required to provide consumers with clear and accurate information about their debts, which has not been the case in this situation. 

I urge CPPB to investigate this matter thoroughly and take appropriate action against XXXX XXXX for their non-compliance with debt validation laws. Thank you for your attention to this matter.
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC (GA)

I have a debt with XXXX XXXX. I had my credit ran to see my debt to attempt to clean it up. After seeing my debt I started cleaning it up. Suddenly I received a certified letter ( XX/XX/2023 ) from Cooling & Winter about a garnishment lawsuit that has been filed in behalf of XXXX XXXX. I made the call this morning ( XX/XX/2023 ) to explain Ive been trying to reach XXXX XXXX within the last 2 weeks to make some payment arrangements but, no return call as of yet.
Consumer complaint received 2022-11-30
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. (PA)

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 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (OH)

I turned XXXX XX/XX/XXXX. At that time Navy Federal was suppose to remove any of my parents from.my account. They gave me my own user ID and passwordXXXX XXXX XXXX XXXX sent me a school refund. Navy Federal took my federal money for my books and housing and applied it to my moms debt due to her thinking unemployment had finally paid her back pay. I contacted them and they said they had a right to take my school funds because she was a joint owner on my account. That is not true. I never gave my mom nor did she attempt to be joint owner of my account after the age XXXX. Navy Federal wanted to right a wrong so took money from both me and my aunts accounts. This is a violation. My money has nothing to do with my account and not can Navy Federal.provide anything where I gave them.permission to make anyone joint owner of my account. I live separately from my mom and have for over a year. They took my money and it is not ok or right. And they gave someone illegal.access to my account that I did not give. Once I'm XXXX, I get to make my own decisions and navy federal violated that. Then use their mistake to take funds that were not owed to them.
Consumer complaint received 2023-05-22
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I had an account with Wells Fargo in XXXXXXXX XXXX XXXXXXXX. Someone had got access to my account and was using while I was at work. They used my account to purchase different items and different states all in one day. When I went to the big branch in XXXX XXXX I couldn't get any help and my account was closed I had over XXXX dollars when my account got accessed and I wasn't able to get any of it back.
Consumer complaint received 2017-09-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY (MI)

I have been paying my student loan from Wells Fargo since 2011-ish, and  historically have struggled to make the {$450.00} payment every month. I currently work in XXXX XXXX and my take home pay is about {$2400.00} a month. They are taking a fifth of my income every month and if I have unexpected expenditures in a month, I may get behind at which point I get letters in the mail and my cosigner and I get calls every single day sometimes up to five calls a day, recently it has only been one call per day for the most part. I have looked at refinancing the loan with them which saved me a negligible amount of money, and tried to get the loan restructured and based on my income and they refused to lower the payment. I have called and spoke to a few different people in different departments and basically no one there is  willing to help me get this loan on track. I clearly can not make this payment every month, and I have demonstrated this over the course of years. I am currently three payments behind as I just switch jobs and am trying to figure out how to get my account current. If they would restructure the loan, all my problems would be fixed. This loan is basically ruining my life, is extremely hard to keep up on, and has been a massive headache. I want to pay it, but I do n't want to pay an amount that makes life difficult! I do n't understand why Wells Fargo will not help me.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

I ordered numerous items from the company XXXX XXXX, purchasing process was smooth however while my items were out for delivery, the shipping company XXXX ( 9 total different packages ), stated on my items tracking number that my items were being sent back to the companys warehouse because it was recalled. I waited for my items to arrive to warehouse and was signed for by XXXX So i called XXXX XXXX so they could provide me a refund, however the supervisor there told me to dispute with my card company to recieve a refund. I disputed and submitted my valid documents showing i didnt recieve any items and that the items were sent back to warehouse and signed for by XXXX. However Discover ( the card i used ) found the transaction to be valid which is impossible considering the tracking numbers clearly show that all items were returned and signed for, as well as chat status with customer support of XXXX XXXX insisting i disputed my case. I am now being charged XXXX USD for items that were not received and recalled by the company itself. The purchase was made XX/XX/. Dispute was closed XXXX XXXX XXXX Its a fraudulent charge by the company XXXX XXXX and the negligence of Discover since im showing clear evidence i did not recieve my items. All pictures show they were delivered and signed for in warehouses of XXXX California and Ohio. I also provided a picture of the travel history showing the shipper requested packages to be sent back, out of my control and without my permission. I have also provided a picture showing customer service telling me to start chargeback with financial institution and unable to cooperate and help me.
Consumer complaint received 2022-11-30
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. (PA)

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 2023-05-22
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item or just DELETE it immediately in my report : XXXX XXXX XXXX
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

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


FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX XXXX 3. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 4. XXXX XXXX Account # XXXX ( Reported Identity Theft ) 5. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. US SM BUS on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/XXXX, Ally Bank sent a cashiers check for {$13000.00} to the wrong address. On XX/XX/XXXX and XX/XX/XXXX, Ally Bank advised they would not return the money without a legal document which I am unable to provide due to an approximate cost of {$500.00}. I am requesting my {$13000.00} refunded to me without fees as Ally Bank has admitted fault in sending the check to the wrong address.
Consumer complaint received 2023-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IL)

In late 2022 I had a insurance loss on my home. Repairs were completed in XX/XX/XXXX. Since then I have gotten nothing but the run around regarding the XXXX that Freedom Mortgage is holding. My insurance company named them on the check and trying to get the check returned has been impossible. No one from management returns a call, no one knows what's going on and it's nothing but continued excuses. Meanwhile I have had to take money from my savings to pay the repair company to avoid being sued for non payment. This has caused undue financial hardship and stress. Is absolutely unacceptable.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2018-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have had a mortgage loan with Nationstar for about 10 years and they are now Mr. Cooper advertising that nothing has change except our name. That is not true. 

I called Mr. Cooper as I had not received my XXXX XXXX from them for my taxes ( interest on my impound account which Nationstar always paid in the amount of about {$25.00}. ) This is the first time I had not received a XXXX. 

After 10 years of getting interest on my mortgage impound account from Nationstar now Mr. Cooper tells me that they no longer have to pay interest on impound accounts and they don't have to send XXXX to customers in California. 

This company services 3 million mortgage loans and if this is true and every loan averages $ XXXX/year interest on the impound account that they don't have to pay any longer that is a XXXX XXXX dollar windfall to XXXX XXXX each year and they are false advertising to say that nothing changed except the name. Bolgna.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute and request the immediate removal of fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report. Additionally, I have contacted the companies associated with the fraudulent accounts. The companies have acknowledged the identity theft report 's authenticity and identified a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has been erroneously present on my report for over five years.But somehow, these fraudulent accounts are still existing on my report under your bureau and I'm wondering what kind of verification process have you done.Please remove the accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I have contacted experian multiple times to fix few disputes. What they have done is fixed the disputes but then they have been arbitrarily changing my credit score. 

They offered that I connect my bank so my regular rental payments would boost my score and I did sign up. I have no fresh borrowing after my Car Loan so I am not sure why my credit score would go down. 

If you look at the scores fluctuations here is the summary of Experian XXXX XXXX ) XX/XX/XXXX : XXXX XXXX ) XX/XX/XXXX : XXXX XXXX ) XX/XX/XXXX : XXXX XXXX ) XX/XX/XXXX : XXXX XXXX ) XX/XX/XXXX : XXXX They have already factored in my loan and loan payments and reduced score once on my car loan and that too in XXXX timeframe. 

I need full explanation and investigation on how this numbers are derived and what have I done in these days for this wide fluctuation?
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

The following account XXXX is fraudulent I have no knowledge of this account or company. The credit reporting agency 's refuse to send documents showing I gave any permission for this company to use my info. The account is also showing open, while allegedly in collections status on my consumer report. This is fraud. And reported as fraud.
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is illegally withholding my funds from my account they placed a 48 hour hold on the account XX/XX/23 and stated that it will be off XX/XX/23 when called on XX/XX/23 they told me there is no certain time and I just have to keep calling to see when it has been lifted and they dont have the number to the back office they have to just email and wait. Im have to pay my bills Im loosing my car and they are preventing me from paying off the car so it can be in good standard by freezing and withholding my funds.