davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-01
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. (OH)

In accordance with the Fair Reporting act. The list of names below has violated my federally protected cunsumers rights to privacy and confidentiality under USC 1681. 

XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, DPT EDXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not funish a account without my written instructions 15U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I obtained a copy of my consumer credit report from Equifax, XXXX and XXXX on XX/XX/2023. While going through my credit report I've noticed unauthorized inquiries that wasn't initiated by me. I even sent certified mail letter to each credit reporting agency with return receipt to delete the inquiries, but they have failed investigate to remove the information 's that is being furnished. Here 's the tracking number for the letter I've sent to Equifax [ XXXX ]. The certified mail tracking number that I sent to XXXX is [ XXXX ], however they didn't remove the false inquiries. The XXXX tracking number is [ XXXX ], they have also failed to investigate and delete the inquiries. Below I have attached the letters that were sent to each credit reporting agency alone with the Certified mail receipt.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NJ)

Subject : Request to Remove Incorrect Account Status on XXXX and XXXX Dear Sir or Madam, I am writing to dispute the reporting of my credit account status by your organization to XXXX and XXXX. 
According to my records and credit report obtained from XXXX, the account status for my account ( Account XXXX : XXXX ) is reported correctly as 'Paid on time, never late '. 
However, it has come to my attention that the same account is reported incorrectly on the XXXX and XXXX credit reports. 
I kindly request that you update the status of my account with XXXX and XXXX to reflect the accurate status as follows : 'Paid on time, never late ', which is consistent with the information on XXXX. 
Below is my personal information for your reference : Full Name : XXXX XXXX Date of Birth : XX/XX/2002 Social Security Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX I am including a copy of the XXXX credit report that shows the accurate account status. Please investigate this matter and correct the reporting as soon as possible. 
Thank you for your attention to this matter. I expect this issue to be resolved and an updated credit report from both XXXX and XXXX within XXXX  days of receipt of this letter. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-01-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Credit Recovery, Inc. (LA)

On XX/XX/XXXX, Southern Credit Recovery reported a medical collection on my credit report. This collection was placed on my credit report without any prior communication ( written or verbal ) and without validation of the debt. 

In addition, I had no prior knowledge that this account was being handled by Southern Credit Recovery as I was never properly informed by them. Because I have never received any information about this account, I was not given the opportunity to acknowledge or dispute the account before they placed it into collection status, which violated my rights per the Fair Debt Collection Practices Act. 

On XX/XX/XXXX, I discovered a medical collection account in the amount of {$4400.00} had been placed on my credit report, at which time I contacted SCR via the phone number on my credit report to get the following details : Details : XX/XX/XXXX I moved and had a change of address. All my other mail and bills have been forwarded to my new address with no problem. 

XX/XX/XXXX Per an employee, they have a record of 2 letters being returned to them for a bad address. They also claimed to have attempted 7 phone calls but did not leave messages. 

XX/XX/XXXX The second ( and last ) letter was mailed to me and returned again for a bad address. Its important to note that the collection agency had been informed of my correct/current address because they tried to update it in their system. However, a SCR employee inputted the house number wrong in their system by one digit. Because of the error of the SCR employee, I never received any further written correspondence from them.

Summary : SCR had been made aware of my current address because they tried to update it in their system. An error on their part prevented the second letter to be mailed to my correct address. Had they inputted and updated my correct address, I would have received proper written correspondence per the Fair Debt Collections Practices Act and I would have begun repaying the debt. Instead, no further communication was received from them and they then proceeded to place a medical collection on my credit report without validating my debt.
Consumer complaint received 2019-12-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NY)

I found out that someone had opened a store credit card in my name only when I ran my credit report and it came up that I was in collection by a company called 'Resurgent/LVNV Funding. Apparently someone got a store card from this store called 'XXXX ' and charged {$51.00} in XX/XX/XXXX. The bills were going to my house in XXXX, which is vacant. I live in XXXX. I never got any bills from XXXX, I called them and they admitted that the bills were coming back 'undeliverable '. Yes - I have no mailbox there. So they sold the debt which went from {$51.00} XX/XX/XXXX to {$320.00} in XX/XX/XXXX ( late fees, etc. I suppose ). So I found this out in early XXXX and filed a dispute with XXXX. I also contacted XXXX, which I am a member. I got no where. I contacted Resurgent on XX/XX/XXXX and they sent me an affidavit, which I promptly signed/notarized and sent back. I followed up on XX/XX/XXXX and again XX/XX/XXXX and spoke to the same person, 'XXXX  XXXX and she is still telling me that it is in 'Review '. They tanked my credit score from XXXX down to as low as XXXX at points. I could not get any other credit cards this summer. 

How can this be?
Consumer complaint received 2020-01-06
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)

XXXX XXXX XXXX XXXX XXXX IS REPORTING I OWE {$2800.00} WHICH I DO NOT OWE I HAVE ASK FOR EVERY PURCHASE MADE ON THIS ACCOUNT THEY SAID THEY COULD NOT PROVIDE ME WITH THAT INFORMATION OR THEY SAID THEY COULD NOT PROVE THAT I OWE THIS MONEY OR THAT I MADE THESE PURCHASES ON THIS ACCOUNT OR CARD
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I received a apology from XXXXXXXX XXXX XXXX XXXX for making the error. They sent me a letter stating that my payment was on time. And they did not report a late payment to the credit bureaus. XXXX just dropped my score around a XXXX points when a late payment never happened or was reported to them. This is ridiculous
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (MI)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2021-06-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (GA)

My complaint is with Newrez my existing Mortgage Company. Because I was approved for modification in XXXX. I started looking into refinancing in XX/XX/XXXX. I was approved by XXXX XXXX XXXX at a interest rate of 2.75 %. Before the process was complete in early XXXX I was contacted by XXXX XXXX of Newrez. Who said he would match that offer and the closing cost would be 60 % less because I was an existing client. I filled out all the e-documents and provided all necessary information. The Conditional Approval I received had a interest rate of 3.375 % XXXX XXXX told me it would be adjusted at closing. I have not heard from him since XX/XX/XXXX. There was a hard stop placed on my application and no one at Newrez could tell me why. I spoke with XXXX XXXX. Who is my Loan Processor at Newrez. Who told me he didn't know what happened but the hard stop would be removed by in early XXXX. So that it could go to the Underwriting but after 4 more weeks it still have not gone to closing. It has been almost 3 months and nothing has been done. Today I received a new e-documents that says my interest rate is 3.488 %. It has gone from 2.75 % to 3.488 % since I began working with Newrez and no one is currently spoken with me personally about this. After dozens of calls. It is well past the 30 days I was told it would take or the 60 days it would normally take. I past on a deal I had in place to take this offer from Newrez but they've been doing their best to fulfill their part. They have been totally negligent and fulfilling their part of the deal and keeping me informed. I wish this have been completed already I'm going into my 90th day of this process. Which is why I think my interest has increased because it's been over 60 days and they're not making me a new offer with a higher rate. I put the blame on XXXX because he initiated this but has not been transparent with information that I need to know during this process I reached out to him several times but now he's saying that I was on a Do Not Call list even though I have called him dozens of times and left messages which you did not respond to any of them. Please do what you can to help me resolve this issue I am now beyond the point where I can do things on my own. Thank you very much. XXXX XXXX
Consumer complaint received 2022-06-04
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. (TX)

In XXXX of XX/XX/2021 I changed bank accounts and forgot to update both accounts causing me to have a late payment on ( XXXX XXXX, XXXXXX/XX/XXXXXX/XX/Lead ). since then and before then I haven't missed one payment I would like the late payment be removed on both accounts. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-01-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CO)

On XX/XX/19, I closed on a refinance on my home with Loan Depot. I did not receive funds until XX/XX/19. I complained repeatedly to both my loan processor and with XXXX XXXX XXXXy, XXXX XXXX, to no avail. I was told by Loan Depot that XXXX XXXX XXXX was extremely busy due to the number of loans. I finally received the funds the evening of XX/XX/19. 

Also, I started the loan process on XX/XX/19!
Consumer complaint received 2019-02-12
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. (KS)

I have been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-11-11
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. (NJ)

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : XXXX  to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts 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  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 2019-02-12
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. (TX)

I have attempted to dispute with both XXXX  and Experian unsuccessfully to have this inaccurate information removed. My credit reports are showing I have a deliquent account with XXXX XXXX XXXX which is incorrect. I asked them to send a validation giving a detailed breakdown of the alleged balance I owe. They sent this document which reflects a XXXX balance. If I owe something then I need proof of it and they have been unable to provide proof. I have attached a statement showing a XXXX   balance that I received from the alleged creditor.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NC)

A charge-off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed in my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2023-07-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Last XXXX, I found out there was a car loan issued under my name with my BOA account. It was from XXXX XXXX, Ca dealership for a XXXX   XXXX. I was shocked because I didn't apply for any car loan or have any XXXX with me. I contacted BOA and they said it was approved and I owed about {$35000.00} car loan from BOA. I immediately went to police station and local BOA to stop this fraudulent car loan. I also contacted the dealership but no one believed me. Later on, BOA sent me the car loan paperwork after I requested and it turned out it was not me/my name. Our name, XXXX, address, contact info and signatures are to XXXX  complaint to the dealership and police report, BOA told me that they will work on it. Few weeks later, I found out the car loan was removed without telling me. I feel BOA breached my security and identity. They can access my account and put a loan on me whenever they want. Even the BOA branch manager could not believe what just happened to me and believe BOA should compensate me for my loss and stress.
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

I placed a credit freeze online with Experian around XXXX of 2019. I carefully wrote down my pin and the information used so I could unfreeze my credit later. On XX/XX/2019, I attempted to unfreeze my credit online and was told I needed to mail them a written request including copies of my social security card and driver 's license. 

I am under the impression that federal law dictates I should be able to place or remove a credit freeze online or by phone and have it executed within XXXX hour. 

There is no way to contact Experian by phone. I've tried multiple times to talk to them regarding this issue on XX/XX/2019 and XX/XX/2019 ( during business hours ). Their automated system will not allow me to reach a live person. The automated system repeats the same information that I need to submit my request by mail. 

Please help me CFPB. I do not want to mail my identity documents and risk them being stolen when I should be able to do this task online or by phone. 

Thanks.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (OH)

On XXXX XXXX I sent a check for {$30000.00} to a person in XXXX, XXXX  with the intent of that person cashing the check and forwarding the funds to a currency exchanger in XXXX, XXXX XXXX. The exchanger would forward the funds to the intended person working on a project in XXXX XXXX. The check cleared the issuing bank ( XXXX XXXXXXXX XXXX ). The recipient bank ( Truist Bank, XXXXXXXX XXXX ) for some reason refused to release the funds to the person named on the check. I contacted XXXX XXXX about the problem and they said there was nothing they could do since the check cleared properly. I asked about myself contacting Truist Bank and XXXX said they probably wouldnt talk to me since I wasnt an account holder with Truist. If Truist Bank suspected suspicious activity, then they should return the funds to the issuing bank and ultimately me. Supposedly the bank manager for Truist Bank is refusing to release the funds for whatever reason. What I want is for Truist Bank to release the funds so they could ultimately be forwarded to the currency exchanger in XXXX XXXX. If not return the funds back to XXXX and ultimately back to me. Holding up the funds has caused a desperate situation for the intended person in XXXX XXXX.
Consumer complaint received 2023-05-11
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. (AR)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C. 1961 Section 602A States I have the right to privacy. 15 U.S.C. 1961 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-25
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.