davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
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. (MI)

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 Account Number : XXXX and 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 2017-02-14
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

I had a XXXX XXXX XXXX lease that I rolled into a new XXXX XXXX XXXX lease. We were told at the dealership that we would not incur any charges on our returned leased XXXX as a part of our deal to lease the new XXXX. We returned the car and about 3 weeks later received a bill from Ally financial for {$620.00}, no explanation other than " excess wear/excess mileage ''. We were not over our mileage so I knew it was not that. I called the dealership who said it was not them, it was Ally financial who was assessing the charges ( again, they did not tell us when we re-leased a new car that there was another party who would charge us. They just said there would be no charges to us on our return lease ). I called Ally to find out how they assessed these charges and all they would provide was a copy of the lease inspection report ( which I had a copy of from the dealership ). I asked the Ally employee ( XXXX ) if these repairs were actually made to the car, which she would not answer. All she would say is that the only information I can have is the inspection report. After asking her several times she said " I did n't make the repairs '' in an extremely rude tone ( and still not answering my question ). I also asked her if there were not actual repairs made to the car and itemized receipts for said repairs, was there a devaluation report showing how each charged item affected the car 's resale price. She again was extremely rude and said that all I can have is the report and she can " send me the lease inspection because I clearly did n't read it ''. The lease agreement is not my question- my question is how did they arrive at these amounts and where is the information backing this up? There has to be either a receipt for repairs or an itemized devaluation report showing how they affected the sale price of the car. In addition one of the chargeable items on the lease is a dent which they are charging {$200.00} for and I can not see a dent in the picture on the report. This seems excessive and I ca n't tell that a dent is even there.
Consumer complaint received 2024-02-23
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. (IN)

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 XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX and 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 2016-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My husband and I are very perplexed as to how Transunion continues to report the collection as verified with no changes each time it is disputed as fraudulent and no record of address for us at XXXX XXXX with the information they received from fidelity creditors and the fact the both XXXX and XXXX have deleted the fraudulent collection from our credit reports with them! We would like Transunion to explain this and how they verified anything and did due diligence in researching and validating anything regarding this case as it obvious Transunion did not do so and is thus libel and will be prosecuted.
Consumer complaint received 2024-02-23
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. (LA)

I recently checked my credit report and saw accounts reporting that I do not recognize XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2023 You Violated the United States Code Law ( TILA 15U.S. Code 1666 ( b ) billing error ) recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you cant apply that information then it is false allegations and you are in violation. I demand the items below all be updated to paid as agreed on my consumer report. 
{ XXXX XXXXXXXX XXXX XXXX } As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ). 
Sincerely, XXXX XXXX
Consumer complaint received 2024-02-23
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. (LA)

I recently checked my credit report and saw accounts reporting that I do not recognize XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2023 You Violated the United States Code Law ( TILA 15U.S. Code 1666 ( b ) billing error ) recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you cant apply that information then it is false allegations and you are in violation. I demand the items below all be updated to paid as agreed on my consumer report. 
{ XXXX XXXX XXXXXXXX XXXX } As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 
Sincerely, XXXX XXXX
Consumer complaint received 2015-09-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (GA)

I have been charged overdraft fees for purchases that were made when I had necessary funds in my account. I checked my account activity after each transaction and it showed I had money after each purchase. XXXX I only made one purchase without sufficient funds but I have been charged for more overdraft though.
Consumer complaint received 2024-02-23
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/2022 XXXXXXXX XXXX/2022 XXXX XXXX XXXXXXXX XXXX/2022 XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX2022 XXXX XXXXXXXX XXXX/2022 XXXX XXXX XXXX XXXX2022 XXXXXXXX XXXX/2022 XXXXXXXX XXXX/2022 XXXXXXXX XXXX/2022 XXXXXXXX XXXX2022 XXXX XXXX XXXX2022 XXXX XXXX2022 XXXX XXXX/XXXX/2022
Consumer complaint received 2019-02-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (FL)

Several negative items on the report either from erroneous data or reporting of debt beyond the statues of limitation. Some debt also is not me or is not 100 % accurate. According to the section 609 of the Fair Credit Reporting Act and the Fair Collection Act there are negative items that shouldnt be reporting. I also asked for the company to show me proof of my last day of activity to verify the debt and the company was unable to show proof because they do not go beyond the statue of limitation as a company policy however the debt still hasnt been removed.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-23
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. (NC)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-02-23
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)

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  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2015-09-09
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MD)

This is the XXXX submission of this complaint. Wells Fargo 's agent called the wrong number to reach me. I CALLED THEM BACK WITH THE CORRECT NUMBER BUT THEY MADE NO ATTEMPT TO CONTACT ME, THEN CLOSED THE CASE CLAIMING THEY COULD NOT REACH ME. 

Wells Fargo refuses to modify the XXXX mortgage on my home that was originated as part of the XXXX mortgage package. I was fraudulently forced to take the XXXX mortgages by Wells Fargo 's subsidiary Prosperity Mortgage and was instructed to only put down a 5 % down payment by them. I only did this on the promise that the XXXX loans would be consolidated into XXXX after one year. They refused all efforts to refinance until last year and now will not do anything to make up for this and are ruining my credit through stalling and refusing to refinance the XXXX mortgage. 
Wells Fargo ignored my request for lower payments for two months, then " researched '' the case for four months, while turning down another modification due to the way it calculated my income. The latest communication from them claims that I was forced into the XXXX mortgages because I had an insufficient down payment and this XXXX mortgage provided the 20 % down payment needed. In fact, on the guidance of a Wells Fargo 's agent Prosperity Mortgage, I put 5 % down even though I had close to 10 % in the bank. At the time a 3 % down payment was considered sufficient and they now finance regular mortgages with 5 % down, so their claim that I had insufficient down payment was false. 
At present, a XXXX modification request has been submitted and referred for processing. I can only afford to pay every other month and am missing more and more payments as they stall and play games like this. 
The house is eligible for HARP and the XXXX mortgage was refinanced under Harp. This XXXX mortgage is not eligible because Wells Fargo owns it. I am XXXX of XXXX of homeowners who are victims of this mortgage scam. The federal government needs to require that all XXXX mortgages originated with the XXXX mortgage are automatically eligible for Harp II refinance regardless of who owns it. Victims of this scam also need to be compensated for the XXXX in interest we have paid due to refusal to refinance these loans. Something needs to be done to help us.
Consumer complaint received 2015-11-08
Product: Credit card — 
Issue: Privacy — 
Company: AMERICAN EXPRESS COMPANY (PA)

A company calling themselves " American Express '' and also " American Express XXXX '' have been repeatedly running my credit report several times a year for years. I have not done any time of business with American Express in well over 12 years and did not authorize any of these inquiries. I also have a LIFETIME ban on promotional inquiries into my credit. There is no excuse for American Express repeatedly invading my privacy like this. As you can see on the attached Experian credit report, just this year they have run my credit report XXXX times under XXXX different names ; American Express and American Express XXXX, and also used XXXX different addresses. They have done this for several years now and I have sent them letter to stop as well as complained to the credit bureaus to not allow it. It has not worked, American Express continues to invade my privacy.
Consumer complaint received 2022-02-10
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. (PA)

I have reviewed my consumer report and find that there is still a late payment reporting. This is a blatant violation of my consumer rights as I have filed multiple complaints about this. They should not be reporting.
Consumer complaint received 2016-09-05
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (SC)

charged an unbelievable interst rate that i wasnt aware of ... borrowed XXXX and i have to pay XXXX back ... when i thought i had to pay XXXX that was stated before i finalized the loan ... did know about the XXXX until the loan was finalized ... big picture loans apart of tribal loan company
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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 items. 
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 Balance : {$82.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXI XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-03-22
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. (MI)

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 Items XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-10-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I was trying to refinance and i had submitted all the information and paid the appraisal and he said was aapproved and three months later he wanted a letter from the employer saying the reason why she was on medical I sent him the doctors form and also the form from the state but he wanted the employer to send that but the employer said that it was confidencial information. And he said I did not qualified because of that letter from the employer and because of the foreclosure which I had told him at application. Three months he said i did not qualified because of that .hI told him that I needed a letter of explanation he said he was going to send me one he never did said
Consumer complaint received 2015-11-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I need to refi, extend term, etc on my student loan to make my repayment more affordable. I am a min wage person. I did not graduate from my school XXXX XXXX but have been struggling to keep making payments which I have been doing for over six years. RBS Citizens is my lender. I have tried to contact them but have had NO RESPONSE. I can pay some just not under the current payment terms.