davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was the last letters I can sent now I am force to hired an lawyer. 

I sent Dispute Letter and Cease and Decease Letter certified and notarized to Equifax Credit Bureau and XXXX Credit Bureau reference to Discharged Ch-XXXX XXXX and Dismissed/Closed Ch XXXX XXXX are sealed records and they are purposely reporting them and have sent certified and also notarized letter from the bankruptcy court which do not report this information. I am constantly getting denied employment and credit loans due to this information hurting my chances of obtaining gainful employment. I have to 2 children and custody of my 3 nephews and take care of my XXXX  mother. I am stress daily and making sure I can provide for my family. Please help me to rectify this situation per Fair Credit Reporting per 45 names I should have received something or the information needs to be deleted. I also ask them to remove incorrect names, old names and addresses, incorrect accounts, and inquiries and it has been over 2 years in dealing with these credit bureaus. I have not received any information pertaining to my request.
Consumer complaint received 2020-12-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (NJ)

I would like to first let you know which account I'm referring to GM Financial Account # XXXX. The issue is the reporting of late payments in XX/XX/2020 and XX/XX/2020. Due to covid-19 I was unable to get payments made either due to not being notified or being unwell. I did get this taken care of as soon as I was able.
Consumer complaint received 2020-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX - Contacted XXXX XXXX  prior to debt showing up on my credit file, I let them know debt was invalid. I followed up because the correspondence said I must respond within 30 business days or debt would appear on credit file. I called - Company stated they would contact the issuer of debt and place a dispute in regards to a debt of XXXX $ which showed on my credit file for XXXX XXXX  XXXX XXXX. 

XX/XX/XXXX- After waiting 30 days with no response, I called back company said they were still working on it and not to worry wont be on credit file, while disputing. 

XX/XX/XXXX- debt appears on credit file- I was was trying to rent a home. This prevented me from renting home of my choice. 

Contacted the company - company stated a representative accidentally put it on credit file I sent second dispute letter XX/XX/XXXX requesting removal from credit file. 
Followed up : XX/XX/XXXX. 
Company Stated : didnt receive dispute. 

I sent third dispute letter XX/XX/XXXX Followed up : XX/XX/XXXX. 
Company Stated : dispute was received. 

Contacted company - XXXX to check status of dispute, because I had not received a letter in mail or any followup in regard to debt validation. 

Company stated : dispute not received - However my credit report stated account disputed by consumer meets FCRA guidelines Contacted company today XX/XX/XXXX to check status rep is now saying no dispute on file. After last rep stated dispute received. This company is giving me the run around and has not after almost a year responded to any of my concerns. My credit score is declining because of this company.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Consistently, I've made sure payments on this account are always on time, avoiding any instances of overdue payments. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2021-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY (NJ)

XXXX XXXX XXXX SOLD THE FINANCE OPERATION TO SPRUCE FINANCE. 
I WAS NEVER INFORMED OF THIS TRANSACTION, THEY SAID THEY SENT AN E-MAIL WHICH I NEVER RECEIVED. THEY SENT A BILL FOR PAST DUE AMOUNTS WHICH I HAD SENT A CHEK TO XXXX FOR THE MONTHS OF XXXX & XXXX. I TRIED CALLING THE NUMBER FOR THE FINANCIAL DIVISION AND NO RESPONSE. I WAS ON HOLD FOR AN HOUR AND A HALF, I TRIED AGAIN THE NEXT DAY THE SAME AND NO RESPONSE. I SENT AN E-MAIL OUTLINING THE PAYMENT AND CORRECT E-MAIL ADDRESS AND INCLUDED MY CELL # AND HOME PHONE #. NO RESPONSE ... .THEY HAVE AN F RATING ON THE XXXX WEBSITE AND I AM NOT ALONE THERE ARE MANY CUSTOMERS GOING THRU THIS NIGHTMARE. THE BILL THEY SENT WAS FOR {$350.00} THAT INCLUDES THE 2 MONTHS ALREADY PD. THEY CASHED THE CHECK AS IT APPEARED ON MY BANK STATEMENT AS OF XXXX. THEY SUPPOSEDLY SENT AN EMAIL ON XX/XX/17. I STILL HAVE NOT HEARD BACK FROM THE COMPANY. THE PHONE # THEY GIVE IS : XXXX. NO ANSWER JUST MUSIC AND WHEN IT BEGINS THE 3RD TIME AROUND YOU KNOW THEY AREN'T PICKING UP.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXXXXXX XXXX XXXXXXXX account is XXXX years and XXXX months old. It was opened on XXXX XXXX, 2017 and has reached the statue of limitation but still shows as open on my credit report. XXXX XXXX, XXXX has ghosted my social security number and is looking for payment in the amount of {$340.00}.
Consumer complaint received 2021-03-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC (VA)

I took out the loan with advance financial in XXXX. I have only ever withdrawn {$700.00}. since then I have paid triple that amount back to Advance Financial. I have spoken to a representative twice and written three emails and a fax to stop the ACH and debit card withdrawals. They are still taking money out of my account just as recent at Wednesday. I spoke with another representative today who told me they sent another email to request to revoke the ACH and debit withdrawals. So far they have taken over {$840.00} out of my account WITHOUT my authorization. In XX/XX/XXXX the Attorney General brought a lawsuit against this company. See below. 

" XXXX XXXX XX/XX/XXXX XXXX Attorney General XXXX XXXX XXXX today announced that his office has reached a settlement with a Nashville-based open-end credit plan internet lender, XXXX XXXX, XXXX d/b/a Advance Financial 24/7 ( Advance Financial ). Advance Financial has agreed, as part of the settlement, to provide restitution to approximately XXXX consumers as a result of the companys alleged violations of the Virginia Consumer Protection Act ( VCPA ). Under the terms of the settlement, over {$1.00} million in total relief will be provided to approximately 1,500 Virginia consumers. ''
Consumer complaint received 2021-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

I just received a letter from the crooks " Flagstar bank '' claiming my homeowner insurance expired & they are immediately charging me for their own product. 
My insurance has not expired, it continues in effect - so not providing me a waiting period for their mistake is theft. 
My loan was sold to them about a year ago & I had other problems with their thievery. I had requested they sell my loan to another company but no response
Consumer complaint received 2020-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

XX/XX/XXXX - Contacted Transworld systems prior to debt showing up on my credit file, I let them know debt was invalid. I followed up because the correspondence said I must respond within 30 business days or debt would appear on credit file. I called - Company stated they would contact the issuer of debt and place a dispute in regards to a debt of XXXX $ which showed on my credit file for XXXX XXXX  XXXX XXXX. 

XX/XX/XXXX- After waiting 30 days with no response, I called back company said they were still working on it and not to worry wont be on credit file, while disputing. 

XX/XX/XXXX- debt appears on credit file- I was was trying to rent a home. This prevented me from renting home of my choice. 

Contacted the company - company stated a representative accidentally put it on credit file I sent second dispute letter XX/XX/XXXX requesting removal from credit file. 
Followed up : XX/XX/XXXX. 
Company Stated : didnt receive dispute. 

I sent third dispute letter XX/XX/XXXX Followed up : XX/XX/XXXX. 
Company Stated : dispute was received. 

Contacted company - XXXX to check status of dispute, because I had not received a letter in mail or any followup in regard to debt validation. 

Company stated : dispute not received - However my credit report stated account disputed by consumer meets FCRA guidelines Contacted company today XX/XX/XXXX to check status rep is now saying no dispute on file. After last rep stated dispute received. This company is giving me the run around and has not after almost a year responded to any of my concerns. My credit score is declining because of this company
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (IL)

I sent an ACH transfer to BBVA for XXXX $ and they never posted it. They only posted the wire for XXXX $ XXXX employees stole the XXXX $ Ach transfer.
Consumer complaint received 2020-03-14
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. (CA)

I have disputed this account, filed a police report, and submitted a FTC complaint. I recently pulled an Experian credit report, upon reviewing my credit report in XX/XX/XXXX, I noticed a XXXX XXXX XXXX mortgage account # : ( XXXX ) balance : {$XXXX} opened XX/XX/XXXX this is either a mis-print or a fraudulent account. There was also a host of inquiries as well included here : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX  XXXX  XXXX ( XX/XX/XXXX ) & ( XX/XX/XXXX ), XXXX XXXX   XXXX  ( XX/XX/XXXX ), XXXX/XXXX  ( XX/XX/XXXX ), XXXX   XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) I did not apply for credit with any of these companies nor have allow anyone else to use my credit or social security number to apply for credit with these companies.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statutes. Rectifying these issues promptly is crucial to ensure the accuracy and fairness of my credit profile. 

I have previously contacted your agency through multiple letters regarding the following concerns : 1. Late Payments : Inaccuracies exist in the reporting of late payments on my credit report. 

2.Credit Utilization : Reporting of credit utilization on my credit report contains inaccuracies. 

3. Personal Information : The reporting of personal information, such as names, addresses, phone numbers, and employers, is incorrect. I assert that the entities providing information to credit agencies ( Furnishers ) have no right or written consent from me to furnish my information. 

4. Revocation of Consent : I hereby revoke any forms of consent, be it verbal, non-verbal, written, or implied, for the Furnishers to furnish my information. 

5. Non-Disclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ). 

6. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ). 

7. Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 U.S. Code 1681s2 ( A ) ( 1 ). 

8. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my credit profile with XXXX, Equifax, and XXXX. 

9. Removal of Credit Utilization : The credit utilization information should only show the amount of the credit line, not the utilization level. Immediate update across all three credit agencies is requested. 

10. Correction of Personal Information : I request the correction of personal information to reflect only one name ( XXXX XXXX ), one address ( XXXX XXXX XXXX # XXXX XXXX TX XXXX ), one phone number ( XXXX ), and no employers. 

11. Deletion of Personal Statement on XXXX Report : I request the immediate deletion of the personal statement on the XXXX consumer report and the balance of credit scores. 

12. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in XXXX, Equifax, and XXXX XXXX  concerning my consumer report. 

13. Compensation : I request {$1000.00} per violation in accordance with applicable laws. 

I appreciate your prompt attention to this matter. Please investigate and resolve these issues within the required time frame as per FCRA guidelines. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

My wallet was stolen from me at the gym on XX/XX/XXXX. As soon as I realized my wallet was gone, I immediately went on my phone and locked all of my cards ( XXXX, XXXX and US Bank ). I went and filed a police report that same day and went to the local US Bank branch to make sure that my account was secure and to get a temporary debit card. The next morning I woke up to XXXX alerts from US Bank about deposits being placed into my account. To my surprise, the thief took my locked debit card, went to an ATM, wrote checks in my name, deposited them and pulled out the cash. They were able to do this even after I locked my debt card, which makes me believe that US Bank didnt actually lock my debit card. 

That day I spent XXXX hours between being on the phone with US Bank, the police and going to the local branch. I submitted a claim that day ( XX/XX/XXXX ) and was told that it would be resolved quickly.

I called multiple times to check on the progress of my claim, but never got a straight answer. Eventually, on XX/XX/XXXX I was informed that the claim was never actually filed, even after I filled out all of the paper work. The claim was officially opened on XX/XX/XXXX and I have spent HOURS on the phone looking for an update. I call weekly and get no straight answer. I feel that I have been mistreated and penalized for a mistake that US Bank made. It should not take over XXXX months to get this resolved. This is my money and I want it now. I need to use this money to pay my bills. This is not right, and I need to have this resolved. It was not my fault that US Bank didnt lock my card, and it wasnt my fault that they are too unsophisticated to properly open a claim. But somehow I am being treated as though it is my fault.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Transunion is knowing and willfully report inaccurate information on my report causing me emotional stress and stated they would remove on the cfpb portal but continues to report it causing me harm and defaming my charter. They were told on XX/XX/21 in writing this is identity theft I never gave anyone written permission or verbal to share my private transaction to make a profit off me. Its there grave responsibility to make sure they investigate transactions before they report on my consumer report and failed to do so! Pursuant to the FCRA, providing inaccurate financial information to credit reporting agencies is illegal.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, Wells Fargo Bank reported my Wells Fargo Credit Card as being " 30-days late. '' Beginning as early as XX/XX/XXXX, I sent Wells Fargo information that said, paraphrasing, the following : " a ) that On XX/XX/XXXX, I spoke with a representative from Wells Fargo about my account and due date. 
b ) that She informed me that my account was not late ; c ) that my next due date was not until XX/XX/XXXX ; and d ) that my payment would be late ( not thirty-days late ) starting only XX/XX/XXXX. 

Because of this XX/XX/XXXX, I was not made aware in advance by Wells Fargo of any late payment. '' Up until late XX/XX/XXXX, each of Wells Fargo 's reply letters said the following two items, again paraphrasing : 1 ) Weve completed our research and are ready to share our findings. 
2 ) Wells Fargo is required to report factual and accurate information to the credit bureaus under the Fair Credit Reporting Act ( FCRA. ) I have made REPEATED request for Wells Fargo to confirm and to acknowledge the XX/XX/XXXX telephone call that I had with a Wells Fargo Representative. 

On XX/XX/XXXX. They replied via letter and informed me, again paraphrasing, that they have no record of the call. 

Importantly, they state in their XX/XX/XXXX letter that each telephone call " may '' be monitored ; but they state that it does not mean that each call is for sure monitored. 

Because they have no recording of the call, they assert, wrongfully, that the call did not take place. And further, that they can not remove the 30-day late. 

Their XX/XX/XXXX letter is not a flat denial of my assertion that the XX/XX/XXXX took place. Rather, they state they have no record of it. 

It is a non-denial, denial of my fact. 

This is impossible for me to prove. 

yet, I have provided explicit details of the call, included many points of the conversation. 

And I hereby assert and affirm that this XX/XX/XXXX call took place. And at this time, I was not advised or warned or provided advanced notice that my account was in jeopardy of being 30-days late. It is a requirement of the Fair Credit Reporting Act that the lender and/or bank must inform the customer of any late payment ; especially if one is about to be 30-days late. This did not occur on XX/XX/XXXX, nor any time prior to XX/XX/XXXX. 

This is a clear violation of the Fair Credit Reporting Act. 



Regards, - XXXX XXXX XXXX
Consumer complaint received 2020-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed this account, filed a police report, and submitted a FTC complaint. I recently pulled an XXXX  credit report, upon reviewing my credit report in XX/XX/XXXX, I noticed a XXXX XXXX  XXXX mortgage account # : ( XXXX ) balance : {$430000.00} opened XX/XX/XXXX this is either a mis-print or a fraudulent account. There was also a host of inquiries as well included here : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX ( XX/XX/XXXX ) & ( XX/XX/XXXX ), XXXX XXXX   XXXX ( XX/XX/XXXX ), XXXX/XXXX  ( XX/XX/XXXX ), XXXX   XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX  XXXX  XXXX  XXXX  ( XX/XX/XXXX ), XXXX  XXXX XXXX  XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) I did not apply for credit with any of these companies nor have allow anyone else to use my credit or social security number to apply for credit with these companies.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XX/XX/XXXX - We discovered that our credit card was 4 days in arrears in paying our bill, and called Capital One to resolve. The clerk said she could initiate a transfer from our XXXX account, and I authorized the transer without giving her an account number. She initiated the transfer from her side, but using an old XXXX account number and sending to XXXX. The transaction number was XXXX. 
XX/XX/XXXX - I discovered online that the transfer of {$10000.00} from XXXX using acct # XXXX had been rejected by XXXX. 
XX/XX/XXXX - I called the bank for an explanation of the returned transfer and was tranferred to the Capital One Fraud Dept, hereafter referred to as, " XXXX XXXX XXXX. '' They told me I needed to pay the full amount again plus interest, and also to provide them a statement from my XXXX account, while they " investigated '' the transaction. This I did, immediately, sending them a copy of my XXXX statement ending in XXXX. 
XX/XX/XXXX - Noticing online that the accoount was still frozen, I called Capital One and was immediately routed to the XXXX XXXX where I was told my documentation was still not in order, and that the investigation could not proceed untill I sent them documentation for acct # XXXX. ( the account from XXXX that their clerk had erroneously used for the initial rejected transfer ). When I complained that I did not have that account documentation the customer service supervisor ( " XXXX '' ), hung up on me.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IL)

Chime/Lead Bank . On XX/XX/2024 I reported that an unauthorized purchase that was made to my account. I was told it would take XXXX  days to fix, even though it wasnt my fault. No one is contacting me to resolve the problem. I need the money in the amount of {$820.00} to be returned to my account asap.
Consumer complaint received 2022-12-30
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. (DE)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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