davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
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 have fallen victim to fraud and identity theft in my name, in which accounts have been open without my authorization for the opening of various accounts such as auto loans, bank accounts, as well as apartment rentals have been obtained unknowingly in my name. This has caused much undue, financial strain and stress. 
In accordance with The Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have failed to see any compliance to these laws from EQUIFAX showing pertinent deletions of HARD INQUIRIES directly related to fraudulent account openings from EQUIFAX. XXXX as well as XXXX have since rectified my credit report in a timely manner as of 3 months ago. XX/XX/XXXX. 

The HARD INQUIRY Accounts attached to this dispute violates my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX5 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.

I have requested information from creditor with signed affidavit due to identity theft and no known knowledge of accounts. This has caused much damage to credit report and needs to be deleted from all credit bureaus immediately.

According to 15 USC 1681i 5 they are supposed to do this ( 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 in accurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete the items of information from the file of the consumer ; or modify that the item of information as appropriate, based based on results of the reinvestigation ; and promptly notify the furniture of the information information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-12-25
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. (AZ)

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 2020-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Credit Corporation (IL)

Good evening, I am contacting you all to dispute the Avant Account, now handled by XXXX XXXX XXXX Ref # XXXX. I do not own this account. According to XXXX, the account was open in XX/XX/XXXX and the last payment was made on XX/XX/XXXX. I am not the owner of this account and should not owe {$5700.00} to Avant XXXX XXXX or XXXX XXXX. Supposedly, I received a court date and was sued by a previous company Avant sold the account. I currently have a fraud alert on my credit report. My police report number is Deceptive Practice Financial Identity Theft over {$300.00} # XXXX. If you all have any further questions contact me at XXXX. I attached the form I received yesterday XX/XX/XXXX.  Thank you. 

Best Regards, XXXX XXXX  XXXX
Consumer complaint received 2022-12-12
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. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have yet to be reimbursed payments my identification was stolen someone has used my info on the card as well as was in my region this is ridiculous I reported this for them to help me not take the money that im entitled to and put me on hold and deny my claims this is not fair at all why is this happening and the first time the computer denied it what do they expect for me to do I asked if I needed to make a police report about this but their employees told me no so now what am I supposed to do iv givin them all the information I know then iv been lied to by so many of theur employees I cant believe anything they are saying I want whats mine I did nothing wrong this is my second time being a victim of identity theft but never has it ever been this hard on me to get it resolved can you guys release my money please iv struggled long enough because of this and my claims are legit I was even told another card was ordered under my name I need them to reimburse my account and investigate this or give me what they took from me please Iv been waiting for months now for this to be fixed I need my funds back They are not trying to fix this not to mention they put my account in the lost column and they are misguiding people
Consumer complaint received 2022-12-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AL)

I started my account with Wells Fargo around XXXX XXXX and I noticed that sometimes I would have money come out of my account paying mortgages bills etc. and I will usually just expect it to be fraud and I would go and get my card exchange for a Nother but over time it became a real headache and the same things would continue to happen and I also ended up getting overdraft fees on my account at random and it would start to pay it on its own all to the point where I lost my account in XXXX or XXXX of this year due to overdraft fees
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

I went the Chase Bank branch located in XXXX XXXX XXXX in XXXX FL and opened an account with the banker. Very nice guy. Helped me do everything about it, I was very well informed. He gave me a few options based on my profile. We did everything and when I got home, literally XXXX minutes later, I called customer service because my online access was suspended. The person told me that my recently opened account was closed based on an investigation. Investigation? How? I never used the account. It was opened for like XXXX minutes. I need an explanation why they decided to close it after they opened. If they don't want me as a customer, why did they open it. So rude!
Consumer complaint received 2022-12-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (AL)

I made a purchase from. XXXX in XX/XX/XXXX through Affirm and received a price adjustment through XXXX. I noticed that it was not applied to my account and I filed a dispute on XX/XX/XXXX. I was told that I could not make any payment while in dispute and that it would be resolved by the end of XX/XX/XXXX. I never received a response from Affirm and just noticed on XXXX XXXX, that my account was charged off. This is very shocking and unfair.
Consumer complaint received 2022-12-12
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

CLAIM NUMBER XXXX TO : CREDIT CARD XXXX DEPARTMENT Bank of America XXXX XXXX XXXX XXXX, Arizona XXXX CLAIM NUMBER XXXX Gentlemen, attached is the information I have on the fraud on my account to support the {$2000.00} plus fees are not mine. 


First, please note this activity has not been seen in my account history back to XXXX. Bank of America has historically notified me of " Unusual Activity '' on my account, but did not do that in this fraud instance of XX/XX/XXXX. Why is that? I have NEVER done this type of transfer, EVER! 


Attached are print screens I was able to capture while the fraud was in progress. I also had Bank of America on the other phone ( XXXX ) XXXX as the fraud was being committed on my, then, primaryphone ( XXXX ) XXXX. 


It is cruel that you have sent me a letter to not approve this claim ; which Bank of America created on my behalf. I have requested further review with this supporting detail. 


The two credit card accounts they used are : XXXX XXXX XXXX XXXX and the original XXXX XXXX XXXX XXXX ; scammers somehow linked these to my checking ending in XXXX ( currently blocked ) to get {$2000.00} shown on statement XX/XX/XXXX- XX/XX/XXXX. 


I will try to send you my print screens under XXXX more separate e-mails ( couldn't consolidate into this one : o ( Please contact me if I can provide anyfurthersupporting information. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX
Consumer complaint received 2024-03-19
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. (AZ)

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXX
Consumer complaint received 2022-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America free checking offers checking yet I am being charged {$10.00} maintenance fee for the month of XX/XX/2022 when I should not be charged at all in the maintenance fee for this account I would like bank of America to refund {$10.00} I have a negative in my balance because of the maintenance fee with prejudice
Consumer complaint received 2022-12-12
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 ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and XXXX credit Bureaus have not replied to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of the accounts listed below. I believe it was reported in error. 
XXXX XXXX Balance : {$990.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXX Balance : {$1900.00}
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-05
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 — Problem with personal statement of dispute
Company: General Motors Financial Company, Inc. (MI)

On XX/XX/XXXX I leased a car from GM financial the amount for each month was supposed to be {$330.00} and when I received my first billing statement it said the amount that was due {$310.00} and including The payment coupon at the bottom of the statement it said {$310.00} when I logged in and setup the auto payment it showed for {$310.00} thats the only option I had so I set it up and thought that they made a mistake the first time and the current amount was XXXX and I didnt think anything of it I pay all my bill with autopay so I just forgot about it and a few months later I see a late payment on my credit report they never tried to contact by phone or mail they said they emailed me but I never got it So I called them to try to fix the problem and they told me that was a mistake that the bill was sent for that amount it was their mistake so I paid the pasted do balance and brought it up to date and they said they will remove that late payment inquiry off of my credit report and which they never did! And also when I leased t my car from them I returned a car and they were supposed to waive the disposition fee because I was leasing from them again they didnt do that either and reported a late payment fee again on my report and I returned the car the same day as I received the new one after going back and forth with them they did waive the disposition fee but still have a late payment on my credit report so I have 2 late inquiries from them on my report and I never had a late payment before I always pay everything on time and I keep calling them to remove it but nothing is getting resolved. And Im trying to purchase a home this has effected my credit big time that Im having a hard time getting approved please help me resolve this issue
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-25
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. (PA)

On XX/XX/2022, I submitted a complaint regarding a federal student loan account that is serviced by a company named XXXX. The reason for my initial dispute with this company as well as Equifax, was against the inaccuracy, incomplete and unverifiable information that is being reported on my consumer report pertaining to payment history. I submitted a complaint to XXXX, XXXX, Equifax and XXXX. I am still awaiting the results of my dispute and investigation from XXXX and XXXX. However my case was closed by XXXX and Equifax and deemed as accurate. My question to XXXX and Equifax is how did you come up with the findings of your investigation? I asked in my previous complaint to be mailed with any and all documentations proving your claims, which you guys failed to do. My second question is how could a violation of the law be accurate? According to Cornell 's law, U.S. Code 1681a 2 ( a ) ( i ) it clearly states that transactions and experiences between the consumer and person making the report should NOT be included on a consumers report. Please explain to me why you feel you are above the law? I have also brought your unlawful acts to my attorney generals attention.
Consumer complaint received 2024-03-19
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. (NJ)

I have repeatedly requested Equifax to remove fraudulent activity from my credit profile. They respond by telling me i should contact the company that requested it. they cant help me. its a circle
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (AR)

Original mortgage sold ( XXXX ) to PNC Bank in XX/XX/2019. Received letter mid XXXX informing us of the sale. Contacted Both banks to confirm. Asked PNC if auto payment would transfer, they said yes. A week later we received a payment book in mail. I called PNC again to verify everything transferred, this rep said auto payments dont transfer. Asked what we needed to do so our payment would be on time. Rep said we would have to pick either the XXXX or the XXXX to have our payment automatically transferred. I said that our original loan was for the XXXX. She said that that was their policy. I asked her twice if I completed the paperwork if it would be in effect before our next payment became due, she told me it would. I checked our regular bank today and the payment had not been taken out. Called PNC again too see why, rep said that it would not take effect until XX/XX/XXXX and they sent letter yesterday. I told her I had completed all paperwork they requested by the deadline they said they needed it. Now our payment is late. This has been more frustrating than the initial purchase and closing of the original loan. Not only did PNC change due date, they changed the amount due from the original loan. Im not a lawyer but there should be laws to protect consumers against this practice.
Consumer complaint received 2022-12-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I have been with Carrington Mortgage for 17 years. I have taken out loan modifications because of hardship. The time I did the loan modifications it took them 6months and that put me in a position that I could not afford to pay. Therefore, my back was against the wall. However, when I did a loan modification with XXXX they were able to get it resolved in 2 months. I had to take a high interest adjustment and they knew what they were doing. Now, I can understand why they are getting sued, because they do take advantage of hardship with Consumers as myself. I was done wrong and would like to get justified by Carrington wrong doing I can be reach at XXXX XXXX XXXX XXXX. I would like to see if of the Consumers that was mislead you be paid. Carrington is a dishonest company and I hope you can assist all those Consumers who lost their homes and still struggling to pay their loans Thank you