davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-23
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the account that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc. (TN)

On XX/XX/XXXX, I was instructed by an online operator to file a escrow waiver because I was having trouble with my escrow account being overvalued. I initially ask for a reanalysis of my escrow account, but the Valon Mortgage agent stated I must pay {$720.00} to generate a reanalysis. I did this. Then, I was told by another operator, XXXX ( XXXX ), that I had to submit a request for a waiver. So I submitted a waiver. I have been denied three times for a waiver by Valon Agent XXXX, because XXXX says my LTV isn't below 80 %. This is false. My original home value is listed on their site as {$160000.00}, and my current Loan balance is {$120000.00}. When you equate LTV using the numbers listed on the website, my mortgage qualifies as being below the standard 80 %. This company will not honor, the rules and amounts listed on my account to correctly equate LTV, to approve my escrow waiver. This has been ongoing for about 3 months.
Consumer complaint received 2021-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, I was contacted by Bank of America to inform me that suspicious activity was detected on my account. When I checked my account, I found that someone has managed to hack into my account and take out {$14000.00} from my debit card and transferred it to another credit card. I informed BoA right away of the unauthorized transaction and asked them to stop the transaction. They said they are unable to stop the transaction but will investigate and refund the money to money soon. I also found out that my other accounts were compromised as well, such as XXXX and XXXX, and had to change passwords for everything. I contacted all the websites which my accounts were compromised, cancelled all purchases made without my permission, and asked for my money back. I eventually got my refunds, but none of them wanted to contact the authority for an investigation. Bank of America, however, refuses to refund my my money despite what they promised when I called them. They have denied my claim twice and never bothered to inform me by mail or email. They have contact information all correct and I verified this with the associates I spoke to. I had to keep calling the bank to ask about the status of my claim. This is blatantly illegal, since by laws, they were supposed to refund me my money within 10 days and inform me of their decision by mail or email. I spoke to the bank again the day before XXXX and was told that the bank can only reopen my claim 3 times before they abandon the case. I am furious with this incompetence and currently looking for a lawyer who specializes in cases like this. I reported all of this to the police, but they have yet to give me a response. This is infuriating and it shows the bank and the police do not care to investigate my case. Worst is how the bank handled this because they simply let someone else take away my money and not even bother to stop or investigate who did it. I couldn't even talk to someone in the investigation team. The ones I spoke to only reopen my claim or tell me the status, and that's it. They know nothing and can do nothing. I am at a loss and don't know what to do besides waiting for the deadline in XXXX before calling a lawyer.
Consumer complaint received 2021-01-10
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: DriveTime (TX)

I went to XXXX XXXX to test drive a vehicle on XX/XX/2020. I left without purchasing a vehicle and continued to receive many notices of credit inquires days later after I had already said I did not want to purchase the vehicle.
Consumer complaint received 2021-01-10
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: Santander Consumer USA Holdings Inc. (TX)

I went to XXXX XXXX to test drive a vehicle on XXXX XXXX, 2020. I left without purchasing a vehicle and continued to receive many notices of credit inquires days later after I had already said I did not want to purchase the vehicle.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

My direct deposit of {$2100.00} from my employer was taken by Wells Fargo on XX/XX/2023. They then proceeded to charge my account for other transactions resulting In my account being- {$2500.00} I called Wells Fargo & they said they were working on it but they dont have a time when it will be fixed. I now can not buy food for my kids, pay rent or other bills.
Consumer complaint received 2021-01-10
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I went to XXXX XXXX to test drive a vehicle on XXXX XXXX, 2020. I left without purchasing a vehicle and continued to receive many notices of credit inquires days later after I had already said I did not want to purchase the vehicle.
Consumer complaint received 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (DC)

This is in reference to my US Bank account ending in XXXX. 

I had emailed them last year when I had just moved back from California to XXXX DC and was not receiving my statements. I had filled out my Official USPS Change-of-Address form before moving, and most of my other mail was able to be delivered. 

But because nobody had been living at the address I moved to in the past few years ( It's a family owned apartment ) the postal carrier wasn't delivering the mail. I had to go across town to the Postal Center and reclaim the mail. 

So I didn't do anything wrong, and it's not my fault that I wasn't receiving statements. Plus I had to move last minute back to the East coast which is disruptive enough. 

Regardless, I would have paid these on time if I had been receiving my statements. My payment history is excellent otherwise, except for these 2 'late ' payments.
Consumer complaint received 2024-03-22
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)

I looked at my report back on XX/XX/2024 and noticed that one thing are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about when the report relates. XXXX XXXX
Consumer complaint received 2021-01-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and/or disregarded ; and feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX data breach whichmay have gotten into the hands of unauthorized individuals.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2021-01-10
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: EQUIFAX, INC. (FL)

There is currently an inaccurate item being reported on my Equifax credit report from XXXX XXXX XXXX XXXX XXXX account # XXXX. 
On XX/XX/XXXX, I have contacted XXXX XXXX XXXX XXXX XXXX to verify the ownership of this account at the address listed on my Equifax credit report : XXXX XXXX XXXX, XXXX, VA XXXX via certified mail return receipt. 
The mail was returned back to me as undeliverable due to invalid address. 
On XX/XX/XXXX, I have contacted Equifax with a copy of the returned mail demanding the removal of the account due to the incorrect information being reported. Equifax received my correspondence on XX/XX/XXXX and opened an investigation. On XX/XX/XXXX, the investigation was complete and information was verified as accurate. As of today, XX/XX/XXXX, the address reported by the furnisher is still false and the account has not been removed. Equifax ignores the facts and neglect to conduct adequate and proper investigation into any inaccurate and/or false information reported by furnishers. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any credit reporting agency if the furnisher " knows or has reasonable cause to believe that the information is inaccurate. '' Since I reported it as inaccurate and Equifax initiated its investigation by contacting the furnisher in that regard, the furnisher has a knowledge of the false information which violates my consumer rights. Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately. Should this false information remain on my credit, I I have no choice but to proceed with other legal actions. Thank you for your immediate attention.
Consumer complaint received 2021-01-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and/or disregarded ; and feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.
Consumer complaint received 2024-04-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I sold a vehicle XX/XX/2024 that had an open lien with bank of America. They sent a paid in full letter, but can't manage to provide a notarized lien release required by the dmv. They've wasted hours of my life.
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (NY)

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 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 2021-01-10
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

On or about and during XX/XX/2016 and including years of my XXXX   I became very XXXX  and during my XXXX medical care care was assign to work in my home, their jobs Included paying my bills. As a result of a XXXX on my XXXX  I had to rely on medical care I didnt realize that these individuals were using my credit cards for their own benefits after I paid my balances off. When asked by creditors why I continued paying my bills I did not know That these individuals were doing criminal activities on all my paid off credit cards. Again these individuals only had authority to pay my bills but they paid my bills and used my credit Cards. These activities were reported by the state police A police report was given to all the creditors. 

Capital one issued new credit cards by changing the account number but failed to drop the late information or data and carry Lateness 30, 60, 90, and 120 days late. When the credit cards were in the criminal hands. it is clearly known that that this data only occurred doing the Thief I have beenDisputing with Captail one for close to three To 4 years now the Credit Bureau s companies have over 130 requests to remove the late data off of the remainder new credit cards I have now. 




Cards below are Active clients late fees 30 days, 60 days,90 days, and 120 days show be removed XXXX XXXX XXXX Please the cards that are newly given are perfect only the lateness should be removed Constant disputing causes and Inaccuracy. 
please the cars listed below are active One particular credit card that was dispute To the capital one. The company stopped the credit Ending by closing the account out and issued Another credit card but never sent the new credit card nor erase the data that transfer to the new credit card. I do not have this credit card in my possession that company never issued this account was used by self with a police report XXXX This is the only card should be removed off my credit This card was replace with Another number capital one is charged interest and fees on a card that was never given to me that was given a police report for thief and now is a charge off on my credit report for years and has constantly being disputed with a police report.
Consumer complaint received 2023-03-09
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. (SC)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (GA)

I XXXX XXXX entered into a consumer transaction with Discover. There was a Finance Charge included in this transaction. Discover violated my consumer rights by coercing me into making cash payments when the Finance Charge is the sum of all charges. Discover did not disclose my right to rescind. This is a violation of my Federal Consumer Rights.
Consumer complaint received 2023-03-09
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 XXXX  account # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXXXXXX XXXX  # XXXX XXXX # XXXX is in violation of my rights.. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 604 A Sections 2 It also states that A consumer reporting Agency can not furnish account with out my written instructions..
Consumer complaint received 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I paid and closed this account with the manager of the XXXX XXXX store when this account was due. I have also contacted XXXX XXXX numerous times to request this error be fixed. When I have spoken with the agents, they were rude, abrasive and would not even look into the account because it was closed. I have also contacted XXXX and TransUnion multiple times and requested they send the information they used to report this account as late, XXXX and TransUnion only sent me a statement that the account was verified. How could the account be verified when TransUnion reports the account as 120 days late and XXXX reports the account as 150 days late? Especially when the account was not even late? 

Also, how can you possibly be 120-150 days late in the last month when there are only 30 days in a month? Additionally, TransUnion and XXXX are not even reporting this account number correctly! So how can this account have been verified? ( See Attachments ) This seems ridiculous that they can report whatever they want and dont even have to provide the information to substantiate what they are reporting? Seems like there would be laws against that? 

Account : XXXX
Consumer complaint received 2017-08-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MN)

Refer to complaint # XXXX This is a continuation of the complaint, which is still not resolved. While they are no longer calling me 8 times per day, they are still calling from collections. I began asking for the XXXX XXXX form for my private student loan with Navient in XX/XX/XXXX. To date, I have received no such form, despite requesting it twice and being told that it had been requested and sent. Today, I was FINALLY given a number to their XXXX department, where the advocate said it had never been sent. In the meantime, my credit score has plummeted from XXXX to XXXX soley due to their reporting of my delinquency. This collection and reporting should have stopped when they sent out the form, which they did not. The advocate said today that she would fax the form tomorrow to my financial counselor, and that this would all be cleaned up once the form was approved. However, I have reason to believe that this might not happen, since they have not been forthcoming with me. This has caused a lot of frustration over the past months. I 've been lied to and sent in circles, being transferred from one wrong department to the next. This phone number should have been given to me back in XX/XX/XXXX at my first inquiry.
Consumer complaint received 2021-01-10
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: TD BANK US HOLDING COMPANY (MD)

I purchased several items from Nordstrom, the company that I have my Nordstrom visa credit card with. I returned some high value items in the mail, which has never been a problem. One box contained over {$2000.00} worth of merchandise. Another contained a XXXX watch totaling {$2300.00}. I have my tracking information that shows the date the first box was received by their agent, which was on XXXX 8over a month ago. The second box has been with their courier since XX/XX/XXXX. Nordstrom always refunded my money to my credit card after 14 days of no movement with the carrier. 
Now, without any prior notice, they told me that I have to wait until they receive the items. That is unacceptable. I can not wait in perpetuity for their Carrier to hand them my returns. This is an issue they should take up with their Carrier and they should not be taking this out on their customers. Not only is my credit score going to suffer because Im not paying them for items that are now in their control, Im also being charged interestits like 20 % interest! That is just unconscionable. I should not be paying interest on items Ive returned to them WEEKS ago. Im sure theyre doing this to other customers. Ive tried to call multiple times to resolve this and even spoke to their supervisor who leads their investigations and financial services. He said they would not refund my money or even stop interest from accruing on amounts in dispute. Consumers should know that Nordstrom is no longer honoring their hassle free return policies and placing the burden on consumers for their incompetent courier services. 

What can I do to stop this?