davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-02
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: EQUIFAX, INC. (CA)

I reach

ed out to Equifax to dispute inquiries on my cerdit report first by phone. They indicated that the inquiries were permissible and a record of fact. Fact is something that can be supported by evidence. I then mailed a letter disputing the inquiries and a letter was returned stating that inquiries were permissible and a statement of fact. The evidence : I have no accounts associated with these inquiries : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX. this inquiry was fraudulent and equifax agreed to remove with a copy of my FTC report. It has not been removed as of this complaint. 
XXXX  XX/XX/XXXX this inquiry was fraudulent and equifax agreed to remove with a copy of my FTC report. It has not been removed as of this complaint. 
XXXX XX/XX/XXXX. I have a credit card with this company opened XX/XX/XXXX not associated with this inquiry. 
Equifax XXXX. XX/XX/XXXX I have no mortgages with this firm or accounts associated with this creditor. 
XXXX XX/XX/XXXX. I have no accounts associated with this creditor XXXX. XX/XX/XXXX. These inquiries are within 30 days of each other! 
XXXX XX/XX/XXXX. Why the repeated inquiries from this creditor? 
XXXX XX/XX/XXXX Were these to be soft inquiries to offer refinancing offers? 

I have requested a copy of the procedure used to verify and was told they didnt need to verify inquiries. The creditor I contacted has no record of me or requests for my credit file. 

I have enclosed copies of the section of the FCRA document that Equifax has willingfully violated to ahev these inaccurate inquiries appear on my credit file.
Consumer complaint received 2021-07-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit, Inc (CA)

I have leased a XXXX XXXX 2020 for 39 months. With XXXX, my car has been sitting idle with very low mileage, and I wish to get out of the lease and recover my investment. 

VW gives me a payoff quote of {$22000.00} which fully covers all their lease payments for the remaining 20 months. 

When I go to XXXX to sell it to them ( the most expedient way a consumer could sell and move on ), VW prevents it and gives a ridiculous {$29000.00} payoff amount to XXXX. 

This is completely unfair and unethical. Why should they have two different payoff amounts? It hurts the consumer that is trying to get out of such situations in these tough Covid times.

This needs to be addressed as I am sure thousands of consumers are suffering from this atrocious business conduct.

Thank you CFPB for investigating and representing the Consumer!!
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

BACKGROUND : In XX/XX/XXXX I was offered and accepted a 3 month forbearance on my XXXX XXXX XXXX XXXX Mortgage. in XX/XX/XXXX the forbearance was automatically extended for an additional 3 months. In XX/XX/XXXX I was offered Covid 19 Post Forbearance options. I chose the Flex modification option. In XX/XX/XXXX I was presented with a Flex modification offer, in XX/XX/XXXX I accepted offer and made 3 trial payments in accordance with terms of offer. in XX/XX/XXXX i was presented with and signed final Modification documents. 

COMPLAINT : In XX/XX/XXXX there was a significant decrease in all 3 of my credit scores ( experian, XXXX  and XXXX  ). They all reported delinquency in the payment of my XXXX XXXX XXXX XXXX Mortgage. in XXXX I contacted XXXX XXXX XXXX XXXX concerning the derogatory credit report. I was told that it had been turned over to a representative for resolution. when I contacted the representative he confirmed that my covid 19 forbearnce should not have negatively impacted my credit. he also stated that an investigation would be initiated within XXXX XXXX  XXXX Unions credit reporting department. I have been contacting XXXX XXXX XXXX XXXX on a monthly basis since XXXX but no resolution has been reached and it appears that no actions at all or being initiated. 

ATTACHMENTS : 1. copy of my complaint to XXXX XXXX XXXX XXXX 2. copy of post forbearance options 3. copy of offer of flex modification 4. copy of final flex modification agreement 5. copy of mortgage payment history prior to forbearance and after trial period 6. copy of trial period mortgage payments.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After reviewing my consumer report i noticed discrepancies on all three credit bureaus regarding XXXX XXXX. According to the FCRA Consumer reporting must be fair an accurate across all consumer bureaus. I've disputed this inaccurate alleged debt, TransUnion has failed to meet my demands by dispute and this has harmed my reputation and I demand remedy. XXXX XXXX has also failed to validate this alleged debt which is a violation of the FCRA and i demand deletion immediately.
Consumer complaint received 2021-07-27
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: BARCLAYS BANK DELAWARE (OR)

I was a victim of identity theft and have several accounts compromised, including my Barclays US credit card. There were a series of fraudulent purchased made using my card through my XXXX XXXX  account on the evening of XX/XX/2021 : XXXX XXXX {$20.00} XXXX XXXX {$7.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$7.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} I immediately contacted the creditor to freeze my account and report the fraud, which they assured me I wouldn't be charged for, but after investigating the charges, they deemed them as valid. I also contacted XXXX to dispute the charges, but they also deemed them as valid purchases. I don't even know what XXXX XXXX is! I also had my personal and a joint checking account compromised and another credit card, who deemed the charges as fraudulent. I contacted Barclays US after they deemed the fraudulent activity as valid, but they were unwilling to re-evaluate and told me to contact XXXX. I disputed the charges through XXXX, but they also deemed as valid and told me to contact the creditor.
Consumer complaint received 2021-07-27
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. (NY)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-08-02
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: CITIBANK, N.A. (MD)

On XX/XX/XXXX, CITI CARDS cashed my check ( Check # XXXX ) dated XX/XX/XXXX for {$240.00}. But CITI failed to credit my account and maintained I owed CITI CARDS {$240.00} despite irrefutable, computerized meta-forensic evidence to the contrary, as discovered by my bank, XXXX  XXXX XXXX ( XXXX  ), through its investigation. CITI also penalized me by imposing late fees and interest on the {$240.00}, which eventually ballooned to {$280.00}. I, under duress and from CITI 's bullying, harassing tactics, paid off, under protest, the {$280.00} demanded by CITI. Now, CITI penalized me again by charging an additional {$2.00} interest that arose from CITI 's initial {$240.00} criminal, fraudulant activity. In the meantime, XXXX  conducted an intensive investigation into this matter and found that CITI did in fact commit FRAUD and THEFT against me. I wrote CITI on XX/XX/XXXX a Written Billing Error Notice about XXXX 's conclusions about the case and demanded that CITI correct its XX/XX/XXXX Statement stating I owed CITI {$2.00} penalties/fines. On XX/XX/XXXX, I received from CITI a letter stating this : " We're currently reviewing the information we received, and we'll contact you once we're finished. '' Today, XX/XX/XXXX, I received a XX/XX/XXXX Statement from CITI stating that since I failed to pay the {$2.00} extra in fines/penalties/interest ; Citi is increasing my debt to {$2.00}. According to XXXX, since it found in my favor, I do not have to pay CITI. I see why I need to pay CITI for something based on FRAUD from CITI in the first place. I need the U.S. federal government 's Executive Branch to enforce U.S. law and punish CITI for fraud and theft against me. This is why I'm contacting the CFPB since it's part of the Executive Branch. CITI acts like it owns the federal and state governments -- -does it?
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (LA)

Hello My name is XXXX XXXX. I paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 to get inaccurate information removed. Most was removed. I then paid them XXXX each XXXX  I had XXXX. The ad promised 3-4 months I stayed in credit repair a year and a half. Still paying dues. After losing everything trying to pay them more because supposedly I had a lot of work to do. They stated we gone take care of you. Then they started avoiding me and my calls. I was XXXX XXXX XXXX XXXX. Referring people to them for credit and they still never paid me my referral fees. I decided to take my story live. They called the police had me put out of the salon for {$50.00} both rental on the Friday it was due.MY credit went from XXXX XXXX for XXXX and XXXX. I HAVE disputed everything I dont recognize BUT what I did recognize is their addresss and numbers on applications and my credit profile.. I HAVE PLACED A LOCK ON ALL OF MY INFORMATION. I Have not APPLIED FOR ANYTHING BUT A REFRIGERATOR AND THATS WHEN I FOUND OUT they are using their information on my profile. I Have disputed every detail with all 3 credit bureaus and will disputed with all consumer files.
Consumer complaint received 2021-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Just received a notice about an attempt to collect a payment of the amount of {$1800.00} for a Sears credit card. This is the first time knowing about this. I opened a credit card a long time ago, perhaps 7 years ago, I paid off this credit card perhaps 3 years ago and never used it again. I have other credit cards that before they expired I get send new cards, this one expired a few months ago and never received a new card nor did they tried to contact me about any purchases I had made or that they tried to collect from me. I believe this may be either the company trying to sell something that does not exist or someone got a credit card under my name and used it, which I am not responsible for nor will be made responsible for. I have lived at the same address for a little longer than 3 years, and have not received any billing from Sears nor they have made attempts to contact me about this issue.
Consumer complaint received 2021-08-02
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: ALLY FINANCIAL INC. (MA)

These accounts don't belong to me. Please remove them from all 3 credit reporting a

gencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 1. Identity Theft XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX Account Number : XXXX This is not mine. 4. Identity Theft ALLY FINCL Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 8. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 9. Identity Theft XXXX  Account Number : XXXX This is not mine. 10. Identity Theft XXXX  Account Number : XXXX This is
not mine.
Consumer complaint received 2021-08-02
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: WELLS FARGO & COMPANY (TX)

I received a letter dated XX/XX/2021 from Wells Fargo Bank, N.A. XXXX XXXX XXXX, XXXX XXXX, SD XXXX the subject of which was : Decision about your recent application for a deposit account I MADE NO APPLICATION FOR A WELLS FARGO DEPOSIT ACCOUNT Wells Fargo said they were unable to open a deposit account because of information from the following reporting agency : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX I made no application to Wells Fargo and have never heard of this reporting agency before. I visited the reporting agency website but did not initiate contact. 

I hope Wells Fargo is not opening up accounts on their own again and I hope this reporting agency is not using this to gain access to personal information.
Consumer complaint received 2021-07-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN INTERNET MORTGAGE (CA)

Submitted an application on XXXX ( # XXXX ) with aim loans. Have not received any disclosure or loan estimates. They asked for the signed contract which I provided, they asked for a new ETA for XXXX which I also provided a few days ago. Still no response to my emails.
Consumer complaint received 2021-08-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Disputed {$100.00} of {$400.00} charge from XXXX XXXX because this was the delivery fee, and the delivery persons came late and refused to wear facemasks during delivery. Bank of America refuses to remove this fee and states that I complained of discrimination. I didnt complain of discrimination ; I asked them to resolve removing {$100.00} with the merchant because I wasnt satisfied with the goods and services provided- had I known that delivery persons wouldve refused to wear facemasks wouldnt have chosen this service.
Consumer complaint received 2021-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was issued a credit card back in XXXX or XXXX of this yearXXXX. I went on line @ the time and created an account but the XXXX of XXXX time I tried to go on line, my password was rejected and I know I keyed in the right password. 

I called the credit card company and verified all of the requested information but was told I would not be able to access my account. My reply was I will not use any card that I have no way of reviewing my account information. I was told I could mail in my payments. I never used the card. 

A few days ago, I was issued another card by the same bank, a different card and I am still unable to access my account on line and all I am requesting is be allowed to change user name as well as password. This should be allowed after all who wants to have a card that can not be monitored?
Consumer complaint received 2021-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (GA)

My mortgage is with Guaranteed Rate, who uses XXXX as its servicer. I am required to access my account online through XXXX. 
Today, I attempted to access my account online. Unfortunately, I could not recall my prior password. I went through their password reset system. I would reset my password, then input that exact same password into their system, their system then shared I was locked out of my account. 
I then called their phone number XXXX. I spoke with their first line representative who said she was unable to unlock my online account and that I would be locked out for 2 hours. I then asked for a supervisor. I then spoke with the supervisor XXXX, her initials are XXXX. The company does not allow their customer service representatives to provide any identifiable information. XXXX shared there was nothing she could do for me either, and that it was impossible to unlock my online account, and that I would continue to be locked out for the full 2 hours. Supervisor XXXX was unable to provide me a time when my account would be unlocked. Supervisor XXXX also confirmed the terms and conditions I accepted when signing up for their online banking did NOT include disclosing this 2-hour time out should a password reset be needed due to three incorrect password attempts.

I was also told I had no other recourse other than to file a complaint to their " Complaints '' department. 
I do not understand why Guaranteed Rate/XXXX  would refuse to unlock my online account, refusing me the ability to transact on my mortgage which could potentially prevent a late payment or late fee from accruing.
Consumer complaint received 2021-08-02
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. (LA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-03
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: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX Attention : Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXXXXXX  Made on : XXXX Made with : Equifax Made by : XXXX Made on : XXXX Made with : Equifax Made by : XXXX  XXXX  on : XXXX Made with : Equifax Made by : XXXX Made on : XXXX Made with : Equifax
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am looking at my credit report and I see fraudulent addresses that are not mine on my file. I am a victim of fraud and I am current in the process of filing a FTC report. Someone has been using my name and ss.I HAVE NO IDEAL WHY THESE ADDRESSES ARE ON MY FILE PLEASE DELETE THEM ASAP!!! XXXX! 
XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX My name is XXXX XXXX XXXX MY PLEASE REMOVE ANY VARIATIONS OF MY NAME THEY ARE NOT ACCURATE. 
MY ADDRESS IS XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2021-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( 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  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reportin

g Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-08-02
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: Mercedes Benz Financial Services (NY)

these accounts that appear on my credit report, without any authorization, do not belong to me, they are hurting me, please check them. 

. Identity Theft XXXX-XXXX  XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft MERCEDES BENZ FINANCIA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.