davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
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. (GA)

XX/XX/XXXX Dear Consumer Financial Protection Bureau, I XXXX XXXX, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I am writing to express my continued concern regarding the issue related to my credit report. As of the date of this letter, I have not received any response from Equifax, XXXX, XXXX, XXXX XXXX  or XXXX XXXX XXXX the consumer reporting agencies in question, in reference to my initial complaint letter. In my original complaint letter, My concern and dissatisfaction with Equifax 's, XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX reporting of my transaction history, including late or missed payments, which I firmly believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of XXXX. Please update my accounts to PAID AS AGREED. Also, I am requesting compensation of {$1000.00} per every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 as states : Permissible purposes of consumer reports, you can not report transaction history. " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, XXXX, XXXX XXXX  or XXXX XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. 

Best Regards, XXXX XXXX, Concerned Consumer
Consumer complaint received 2023-03-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (GA)

UCC Title 15 sub section 1692e. States a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, have all failed to validate the validity of the debt allegedly owed. They are also violating TITLE 12 U.S code 83, which states No national bank shall make any loan or discount on the security of the shares of its own capital stock. So to fix this inaccurate information on my consumer report i would like for all account to be removed and blocked until i receive proper VALIDATION OF DEBT mailed via certified mail.I would also like to be monetarily compensated for the inaccurate information being furnished on my consumer report due to the mistake i would be expecting this dispute to be resolved with monetary compensation if not i will be taking further actions thank you.
Consumer complaint received 2024-01-25
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to bring to your attention a fraudulent account, XXXX  XXXX, that has inaccurately appeared on my credit report. This inclusion is causing significant stress and negatively impacting my financial standing.
Consumer complaint received 2020-06-11
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. (AR)

I received a couple bills in the ail stating, that I need to make a payment for a loan. I don't owe a loan, I don't have any loan under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two bankruptcies and a couple of inquiries. A couple of other fraudulent accounts that are not mine. I have never seen these items in my life. PLEASE REMOVE THESE ITEMS from my report thank you CHAPTERXXXXXXXXBANKRUPTCYDISCHARGEDXXXX   CHAPTERXXXXXXXXBANKRUPTCYDISMISSEDXXXX
Consumer complaint received 2023-02-09
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (IN)

AIMLOAN is over charging our escrow account by double the amount of property taxes owed. I have tried to resolve this issue twice with them including an email on XX/XX/2023. AIMLOAN has our property taxes as being {$9700.00} ANNUALLY collected twice yearly as two payments of {$4800.00} in XXXX and {$4800.00} in XXXX. Our ACTUAL TAXES from our county Treasurer - they are {$4500.00} ANNUALLY collected as two payments of {$2200.00} in XXXX and {$2300.00} in XXXX. This is a discrepancy of you OVER COLLECTION {$5200.00} ANNUALLY in our escrow account. They are refusing to acknowledge this issue or adjust out escrow amount down despite over charing us $ XXXX MONTHLY. Attached is the proof of the issue from AIMLOAN and our County Treasurer.
Consumer complaint received 2021-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Bread Financial Holdings, Inc. (AZ)

On XX/XX/2020 I purchased tickets for an event that was later postponed due to COVID 19 and I did not receive a refund and I was not able to get my bank to help me out.
Consumer complaint received 2024-01-25
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. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-11-01
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have requested my account funds be disbursed to me in " Lawful Money '' or the Credits thereof per the gold standard dollar for dollar, per HJR 192 and Title 12 USC sub section 411. The company is issuing XXXX, or " Federal Reserve Notes '', that Do not Cancel Debit only " Transfer '' Debit. This company has a issue with Following Federal Guidelines when it comes to its customers. I have also Requested a Federal Truth In Truth In Lending Disclosure Statement with the Listing Factors and Deciding Factors for the Denial of consumer credit Transaction reference # XXXX, and # XXXX for visa infinite credit denials. The company has not complied with my requests even after Telling this Bureau that they have complied and satisfied complaint # XXXX. Can you Please Help with this issue
Consumer complaint received 2024-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (CA)

Requesting Well Fargo Bank to resolve the missed payment. Wells Fargo refused to take ownership of their error.

We contacted Well Fargo Bank many times in regard to the missing mortgage payment of {$4100.00}. This check was issued to us in a form of XXXX XXXX cashier check payable to XXXX XXXX. We ( XXXX XXXX ) in turn used this check to pay our monthly mortgage at Well Fargo Bank. The mortgage payment went back to XX/XX/year>. 

We contacted Well Fargo Bank and the error caused by miss-applied payment. Well Fargo Bank informed us that they incorrectly applied to wrong account. 

We are not into this error XXXX years later and Well Fargo Bank informed us the check payment that we used to pay our mortgage has been cancelled and that the check is now no good. 

Well Fargo Bank informed us that we are now needed to work with our tenant ( XXXX XXXX who is a client of XXXX XXXX  ) ; who issued us this check {$4100.00} to re-claim the payment from them. 

Our tenants refused to honor this lost payment that caused by Well Fargo Bank after XXXX years into this ( XXXX XXXX who is a client of XXXX XXXX  ). 

We asked Well Fargo Bank to resolve this missing fund of {$4100.00} for us and any interest charged that we paid related to the payment we paid to Well Fargo Bank to be reimbursed back to us and fix this issue ; since Well Fargo Bank caused the problem to being with. 

As of today, Well Fargo Bank refused to take ownership of this error that they made because of mis-posting of our payment back in XX/XX/year>. 

We are asking your help to investigate this processing incompliance by Well Fargo Bank and refusing all the missing payment of {$4100.00} plus mortgage interest Well Fargo Bank charges us. This error cause by Well Fargo Bank. We hope you are able to investigate negligence of Well Fargo Bank compliances. 
Thank you XXXX XXXX
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc. (TX)

XX/XX/2022 the amount is {$43000.00} I uploaded my discharge paperwork from XXXX  and I disputed the accounts but the credit bureaus didnt dispute it they kept it on my credit report
Consumer complaint received 2020-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

I continue to have extreme difficulty communicating with US Bank regarding 2 unexplained amounts on my mortgage account. After a 3 month forbearance, I resumed making my complete monthly payments on XX/XX/2020. There is now one amount of {$1800.00} and another of {$2700.00} listed on my mortgage account. the {$1800.00} says " other fees '' listed under the PAYMENT AMOUNT DUE section and the {$2700.00} is described as " SECOND ''. I have called countless times, in general, regarding this forbearance thing and it has been a horrible experience. The majority of the time, the representative has given me incorrect information or no information at all. My last phone call was on XX/XX/2020, I spoke with XXXX, who did explain a little about why the process to return my account to normal has been excruciating long, but she was not able to explain the amount in question. She told me that her supervisor, XXXX, also did not know. She did confirm that during the forbearance, there will be absolutely no fees or penalties and she said someone would call me back about it. US Bank has yet to contact me regarding this matter.
Consumer complaint received 2023-02-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (NV)

Afni collection agency is trying to collect the amount of {$440.00} from XXXX XXXX XXXX. XXXX failed to activate service and account was closed within 24 hours, failed to provide detailed for the bill and resolve the issue. XXXX supervisor of offshore billing office stated that " there nothing we could do as the bill sent to the collection agency, you have to contact them. '' Collection agency contacted issue was not resolved. 
I went to XXXX XXXX XXXX store back in XX/XX/XXXX to change my provider. I opened the account and left the store, when I got home I had no service, their representative did something wrong and failed to activate the service. Next day I went to the same store to close my account, XXXX XXXX XXXX representative confirmed that account is closed and I don't own anything. I wasn't getting any bills from XXXX. XX/XX/XXXX I received the letter from the collection agency Anfi that attached above. I went to the XXXX store in person, their representative failed to provide details for the bill, I still don't know what I was charge for if there was no service provided as activation failed, they could not even charge me for activation. XXXX representative was willing to help, he dialed billing department we explained the situation to supervisor of XXXX office XXXX, she stated that " there nothing I can do, as bill sent to the collection agency, you have to contact them. '' I contacted Afni collection agency, issue is not resolved as of today. XXXX sent " blank '' bill to the collection agency, as service never was provided, they failed activation, account was closed within 24 hr.
Consumer complaint received 2024-01-25
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)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 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 furnish a 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 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

made goodwill gesture to allow the agency to correct the erroneous reporting, and I have maintained a careful record of my communications with the agency and now I am filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office due to the non-compliance of the agency. I do not agree with the item listed below which still appears on my credit report, even after a so-called Investigation. I would like this item immediately re- investigated. These inaccuracies are highly injurious to my credit rating. I have been turned down for job opportunities and many purchases due to this inaccurate report. The following is inaccurate : Company : XXXX Account Number : XXXX REASONS TO INVESTIGATE AND VALIDATE THE ACCOUNT : validation of debt not given as requested, Date opened is incorrect, inaccurate payment dates, I DID NOT provide written permission for this account to even be reporting to or on my credit report, Wrong date of last activity noted, Wrong balance listed, wrong payment dates listed .Wrong date of last activity noted, Wrong balance listed, Wrong credit limit amount listed. It is my understanding with MY RIGHTS AND federal consumer laws that they will check these items with the creditor who has posted them and MUST provide documented validation of all reported inaccuracies and validates debt. I WANT THIS ACCOUNT AND ALL INACCURATE INFORMATION THAT IS NOT VALIDATED AND DOCUMENTS PROVIDED TO ME REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2021-01-26
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. (IA)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2021-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (AL)

I was supposed to receive a transfer from a friend for {$160.00}. Normally the transfer would be instant ( as my friend also uses the same bank - Wells Fargo ), however, the money did not arrive. I called a representative, who assured me that the money would be transferred within today - XXXX XXXX XXXX. I have not received the money, the transfer does not appear on my end ( it does appear FOR my friend the sender, confirmation code will be available if needed ).

How can your complaint be satisfactorily addressed?
Consumer complaint received 2020-06-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (GA)

Original loan was with XXXX XXXX, the company was bought buy OneMain financial in XXXX. Date of original loan was XX/XX/XXXX in the amount of XXXX, account number XXXX. OneMain is reporting negative information on my credit report ( account charge off ). This account was paid as agreed, also paid in full on XX/XX/XXXX. I received a certified letter from OneMain, with all documentation verifying the satisfied account has been paid as agreed, paid in full & it shows that I was never late with making payments. I tried to reach out to OneMain when I noticed that they were reporting my account as a charge off. I also tried disputing the negative information online, the results from the online dispute that the account was verified as accurate & was a charge off. I have also tried mailing letters to the company, but my letters were returned. I would like for the company to remove the inaccurate information or at least update my payment history as this is harming to my credit ability.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/year>, Bank of America close my credit card account ending in XXXX. The account was in good standing and paid on time, average payment was well over the minimum expected. When I reached out to the bank they refused to listen to my concern and address the closure. The answer I got was they reviewed my customer profile and decided to close the account. My checking/savings account attached to this had over {$90000.00} currently. They closed it and sited the terms would have to change, meaning the APR or interest rate. Im now supposed to reapply at a higher cost. This to me seems like predatory lending, looking for ways to increase a fee for current customers to pad the bottom line. I want my card to reopened at the same terms. I also never agreed to have my credit reviewed, this was not approved and caused a hard inquiry on my credit profile. Please help in this situation.
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

US DEPARTMENT OF EDUCATION account numbers XXXX & XXXX Consumer law states my transactions and experiences are excluded Non Public Personal Information that's confidential consumer data. Also the Right to refuse to pay Collections.