davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. The dispute items do not belong to me. Please remove the following items. 
XXXX XXXX XXXX ; XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-06
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: CAVALRY INVESTMENTS, LLC (NY)

IM REPORTING THAT THESE ACCOUNTS 1. CAVALRY PORTFOLIO SERVICE IN THE  AMOUNT OF {$1000.00} THAT WAS OPEN ON XX/XX/2019 THIS ACCOUNT IS ON ALL 3 OF MY CREDIT BUREAUS THE ONE THATS ON MY XXXX ACCOUNT WAS OPENED XX/XX/2019. ITS A INQUIRY ON MY REPORT AS WELL XXXX XXXX XXXX
Consumer complaint received 2018-04-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (FL)

So Back in 2016 I went into Wells Fargo to open a bank account, the account was shortly closed due to early warning services .... they are saying that I applied for a student loan and added a co-signer that did not ask to be added. I have told Wells Fargo I have made one student loan application without a co-signer and I have confirmed that there is an additional I have let them know that it was not me that applied fraud was done in my name I never did an application with a co-signer. Here we are two years later and I am not able to successfully open a bank account. I opened a checking and savings with XXXX XXXX XXXX XXXX, which surprisingly they allowed me to open, but that too was closed shortly telling me to contact early warning services again. Because I told them that I have applied for student loan ( I INCLUDED THAT THIS WAS DONE RECENTLY THIS YEAR WITH NO CO-SIGNER ) Wells Fargo has refused to remove this accusation from my Early Warning services report and My XXXX XXXX account can not be used until they receive something from red saying that those things are inaccurate. Because fraud was done in my name I am being limited and can not use or open any account near me! This is affecting me my financial support and my time and this is really inconveniencing. I have disputed tried everything Wells Fargo is just not willing to remove this and I need this looked into further! I am being punished for no reason at all, Waiting anxiously for a response as my account has been restricted since the second week of XXXX and we are nearly in the second week of XXXX
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

There are fraudulent accounts on my credit file that hasn't been removed after submitting police report. 

XXXX XXXX A Last reported XX/XX/2022 {$230.00} Open balance XXXX XXXX BANK XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Last reported XX/XX/2022 {$4800.00} Open balance XXXX XXXXXXXX XXXX XXXXXXXX Original creditor Report info
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION (VA)

Around XX/XX/2017 I filed bankruptcy on all my debt excluding my current auto loan with BB & T, However my credit report ( XXXX ) shows that car was included in bankruptcy. I have continued to make car payment on time. I still can log into BB & T account online which shows payment due, payment paid, interest amount taken, but statements stop on the online account around time of bankruptcy. I have only recently noticed this when I applied for a credit account at my bank. I logged into my BB & T account and sent email to customer service concerning this issue and have not received any response.
Consumer complaint received 2020-02-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Recovery Solutions LLC (AZ)

Daily or sometimes multiple times a day calls. They leave an ominous voicemail regarding a legal matter? I called and told them I'm on the do not call list. Told them to take me off of their contact list. The person on the other end told me NO. I receive multiple call daily from these people.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (KY)

I obtained a debt consolidation loan through my bank XXXX XXXX XXXX. They paid XXXX  XXXX XXXX ( Comenity ) credit card on XX/XX/2022 in the amount of XXXX and the check cleared my bank on XXXX XXXX and they refuse to remove the balance from my account. I have put in three disputes with the company and they have not even tried to contact me. I have also sent in where the check cleared and the money was removed from my bank. Last contact was today with no resolution.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been lied about a refund from the pending deposit by 3 different CSR 's. I have patiently waiting for my * {$790.00} and been giving 4 different times dates the check was mailed. Its been 1 month 2 wks  and in the first week of XXXX was told 10 working days and nothing. I called and was told 14-17 working days so I waited. then I was told account just closed on XX/XX/28 and ity be 10 working days again and check to was mailed. I waited past 10 working and no funds so I called CSR and was told it was XXXX and claim it and it was sent back and couldn't provide me with tracking # and was getting answers from a department that I couldn't speak to for some reason after being told 15 more days today. We are retired we are always home and I called today to be told that internal management said which only speaks to employees 15 more days!! I have a small business and which relies on these funds to keep going and because of this, it will be closing. I would use this money to take my XXXX  son 's needs which have helped out for years and now we suffer and figure out things because of your bank 's inconsistency and CSR 's that lie and tell whatever. All is my money back not yours that we worked for and there shouldn't any excuse! I WILL BE FILING A COMPLAINT WITH THE FEDERAL RESERVE AND ATTORNEY GENERAL YOUR AREA. I have been pushed around so much by a bank and sure took out fees to be treated like this. I want some to call me that make decisions and tell me where I can pick my funds. I have long enough and been very patient my number is XXXX XXXX or email me
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

On XX/XX/2022 I contacted Equifax information services AND XXXX Via expedited mail I have mailed in police report that affidavit etc. even proof of address Equifax information services AND XXXX failed to protect my consumer rights as well as reporting fraudulent accounts below XXXX ) XXXX XXXX XXXX ) XXXX XXXX Equifax information services is reporting a fraudulent collection on my Personal credit report ( XXXX XXXX XXXX XXXX ) which is a violation of consumer rights they also had violated section 605b of the fair credit reporting act EQUIFAX DID NOT INVESTIGATE properly NOR SEND ME PROOF AS TO How this collection account is mine THESE COMPANIES ARE AWARE OF MY IDENTITY THEFT AND FAILED TO REMOVE THE ACCOUNTS! 

XXXX XXXX XXXX are in violation of the fair debt reporting act National credit systems also have my police report etc. and did not provide me with proof of anything do therefore Im suing all companies in federal court as of XX/XX/2022
Consumer complaint received 2019-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Hello, I've purchased a house in XXXX XXXX, NV back in XXXX and based on my understanding the mortgage rate was not fixed and it can be changed based on the market current rate. 

As of XX/XX/XXXX the current average mortgage rate is bellow 4 % ( 3.75 to 4 ) on 30 year mortgage. 

Back in XX/XX/XXXX my mortgage rate was 3.50 % Back in XX/XX/XXXX my mortgage rate was 3.75 % Back in XX/XX/XXXX my mortgage rate was 4.375 % after Mr. Cooper take over Nationstar Back in XX/XX/XXXX my mortgage rate was 5.375 % Now as of XX/XX/XXXX my mortgage rage is 5.625 % which is almost 2 % more than the current offered mortgage rate. Within last 2 years my mortgage interest dramatically increased to almost 2 % bringing my current mortgage rate to XXXX and this is a disaster! 

This is a a complete rip off and a violation against good customers who are struggling to pay their mortgages and stay current not to lose their only houses. 

I've tried to contact Mr. Cooper numerous times but all my calls and emails were ignored and all my attempts so somehow be helped were declined. 

This is a complete scam and fraud taking place by Mr. Cooper which should be immediately stoped. Even if the mortgage has a floating interest rate, it should always be adjusted to the current average market rate. 

Attached please find all the statements as a proof. 

Sincerely, XXXX
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-15
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. (FL)

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.

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 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

The credit bureaus are reporting an account onto my credit report that does not be One to me and I have submitted and identity theft report in the past According to FCRA Im due a proper investigation which provides documentation showing my signature giving permission to gain lines of credit. I would like this account removed from my credit report if proper debt validation isnt completed. This is a violation according to FCRA. 
Should you choose to be negligent in rectifying my aairs, I will initiate monetary arbitration in small claims against Equifax, XXXX XXXX XXXX I WILL BE LISTING BELOW FCRA POLICIES THAT ARE BEING VIOLATED : 15 U.S Code 1681c- 2 / 15 U. S Code 1681b- 15 USC 1692 g / 15 USC 1681i / 15 USC 1681e Section 609 of FCRA / FCRA 623 ( b ) ( 1 ) / FCRA 623 ( a ) ( 2 ) / FCRA ( a ) ( 6 ) ( b ) FCRA 616, 617, 621 / FCRA 605B Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$20000.00} XX/XX/2020
Consumer complaint received 2019-04-09
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)

four fraud and inaccurate car loans are reporting under my equifax credit file. 
i have disputed these several times i have even called the creditors but so far no results, i am very much stressed out and very much upset, please i researched and found out that o could complain about this situation, you are my last hope, i need to have these inaccurate and fraud accounts removed from equifax credit file. 
i will be attached my police report and the FTC report which has all the accounts reporting on my equifax credit on the FTC. 
help me to resolve this issue,
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Inaccurate information on my credit report Experian is refusing to take off the negative information and investigation team is not doing their job. My bankruptcy is XXXX owe and XXXX claim.counts are fully paid off and never been late.
Consumer complaint received 2024-02-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: TRUIST FINANCIAL CORPORATION (NJ)

Last week Tuesday night ( XXXX ) the car was repossessed by Truist Bank, the bank that holds the auto loan. 

The car loan is my husband 's, who passed away XXXX XXXX XXXX. He had the car payments debited automatically from his checking account. 

Upon his death, all bank accounts were closed, including that checking account from which the car payments were drawn. 

I called Truist Bank to make them aware of his death, of the closed checking account, to cancel those automaticpayments & to inform them I was going to continue making the monthly car payments. 

Unfortunately since my name wasn't on the car loan no one would speak to me regarding it. Truist Bank continued to submit those auto payments, they were returned unpaid, & monthly {$20.00} late charges accrued. 

I continued making those car payments from my checking account in a timely manner to the present day. 

In order to speak to me I was informed I needed to provide my husband 's death certificate in addition to a " surrogate certificate '', issued by XXXX XXXX XXXX of my XXXX, that would confirm he died without a will. 

Due to the pandemic & closed government offices I was unable to get that certificate until last year. 

Unknowingly, my monthly car payments were not beingappliedtowards thecar payment, but towards those late charges that in 3 years had accrued to over {$2000.00}! 

Only last week did I find out that the car payments were now unpaid for 120 days when they repossessed the car. 

By the way, theynever stopped presenting those auto payments to a closed account, even after I presented them with all the necessary documents & information. 

In 10 days, by XX/XX/XXXX, I'll need {$7500.00} plus storage & a " repo fee '' in certified funds or cash. 

The car is a XXXX XXXX XXXX... .I 'm not sure of the mileage.The car is still XXXX XXXX XXXX XXXX 

I'm a XXXX XXXX XXXX retiree on Social Security & a modest pension. I've little to no means of paying off this car, as Truist Bank wants me to do in order to get the car back. 

In addition I believe I shouldn't have to pay those accrued late charges, which should've been corrected once they knew the circumstances behind them. XXXX, I was alsomaking the monthly car payments at the same time they were presenting their 's. 

Besides, shouldn't they have noticed that those payments were being denied for so many years & should've stopped submitting them? 








Sent from my XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRUIST FINANCIAL CORPORATION (OK)

XXXX SUN TRUST reports two federal student loans. The Honorable Donald Trump signed a law forgiving the student debt of 100 % XXXXXXXX XXXX. I am a 100 % XXXXXXXX XXXX I submitted the documents to have my loan forgiven and removed from my credit report, and yet XXXX SUN  TRUST continues to report the debt as valid.
Consumer complaint received 2024-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

I applied for the SAVE plan through studentaid.gov and then directly through my processor in the beginning of XXXX and was given an approval. Aidvantage has not been helpful in the facilitation of this request. I was given an expectation of 30-60 processing time in XXXX, and since then my loan has been in " Administrative Forbearance '' first until XXXX, then changed to XXXX, now XXXX. I have made several attempts to handle this with the servicer and not receiving resolution. I am continuously told to " keep and eye out '' for changes it is taking a little while, whilst acruing interest for 5 months.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

long time Capital One Visa card holder. Capital one keeps adding to my interest. I talk to a regular representative Friday XXXX XXXX and a supervisor I believe her name was XXXX. I tried to get them to credit my {$340.00} dollars in interest charges. They gave me some mumbo jumbo about not being able to credit the charges.
Consumer complaint received 2023-01-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

To whom this may concern i have a debt on my credit profile that is being collected and listed for the wrong amount for years, i have made many attempts to fix this with the actual company! 

Also i gave written notice that i was being abused and my kids were afraid for their lives, My social worker gave them written notice of this. 

Trying to collect this debt and also collections it for the wrong amount is going against THE VIOLENCE AGAINST WOMEN ACT ( XXXX )