davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-11
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)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-02-11
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. (AL)

My information was sold and bought illegally because I was a victim of the Equifax Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$890.00} Balance XXXX XXXX XXXX # XXXX {$250.00} Balance XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} Balance XXXX XXXX XXXX # XXXX Balance {$11000.00} XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Balance {$290.00} Remove any addresses unrelated to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove any Name Variations other than XXXX XXXX I have included attachments,
Consumer complaint received 2024-02-11
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. (AR)

i am a natural person, i am a livng human being. i have right under 15 usc 1681 transUnion is goven by 15 usc 1681. and they violated my right numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 i have the right to privacy I did not give Equifax written permission to furnish these accounts XXXX, XXXX XXXX   XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX 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 2023-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TITLE MIDWEST INC (TX)

I recently purchased a new home. The title company that I utilized had their server compromised during the transaction. In turn, a hacker intercepted my closing disclosure and wiring instructions. They spoofed the email and sent fraudulent wiring instructions. When this occurred I wired my cash to close to a fraudulent bank account. I immediately initiated a wire recall but it was unsuccessful.
Consumer complaint received 2024-02-11
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. (MI)

XXXX, XXXX, and Equifax continue to report these XXXX XXXX accounts incorrectly. The application acts as the security do I can not be late or owe a collection when the interest of the account settles all balances. The credit bureaus are violating federal law by reporting this information when it is not accurate. XXXX, XXXX, and Equifax are paid to furnish consumer information but you need the consumers written or expressed consent to provide this information. I have given no such consent to use my information to report negative information about me to damage my character and prevent me from obtaining credit that is my right. Produce any document with my signature that states I give you permission to use my name.
Consumer complaint received 2020-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo deposited a check I'd generated payable to the order of XXXX XXXX XXXX into their corporate-client XXXX XXXX XXXX Wells Fargo Acct # XXXX. They refuse to return the money to my account for their error and are advising it is MY responsibility to get those funds back from XXXX.
Consumer complaint received 2024-02-11
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. (NC)

I am writing to bring to your attention a concerning issue regarding my credit report. Upon reviewing my credit history, I discovered several inaccuracies that have negatively impacted my credit score. It appears that there are discrepancies in the reported information, which do not reflect my financial behavior accurately. 

XXXX XXXXXXXX XXXX is reporting a Charge off on XXXX and XXXX of XXXX through XXXX. There aren't any indications on this report showing missed payments of 30,60, or 90 days. Report shows good payment history and then goes right to charge off. This account was paid in full durning this same time frame. 

Furthermore, Equifax and XXXX XXXX are stating a charge off but reports reflect " none reporting '' for the entire term. 

I kindly request that you conduct a thorough investigation into these discrepancies and take the necessary steps to correct the inaccuracies promptly. 

I understand that errors can occur, but it is crucial to rectify them as soon as possible to avoid any further repercussions. I appreciate your prompt attention to this matter and your cooperation in resolving it efficiently.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In multiple instances I have requested proof from all 3 credit bureaus for what they used to validate debt. I am still not seeing any response to multiple requests, also I have multiple accounts reporting false information and not receiving any response to correct the information on those accounts,
Consumer complaint received 2017-01-10
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Lincoln Educational Services Corporation (NY)

I got a misunderstanding of my lone, when I was singing up to go school, i think they did n't explain the student lone well. I was unemployed at the time when I first started school. I was paying {$230.00} per month, did n't know that it was XXXX different types of loans I had to pay back, not until I graduate. After I finish school they did n't even get a job as they promises, so I when back to my old job, but I only could pay for a while until this is it, am not making as much money. I thought I was mislead in that lone transaction. Am a XXXX XXXX XXXX man with responsibilities.what good paying job could they get me to pay back the lone, when the course is only for couples of months, there 's so much to learn in automotive industry, am not a well educated. So I could n't get into any step program with any of those top end dealer company. For a person with out any mechanical background it 's hard to learn most things, hands on in XXXX months. Am not in any situation right now to pay back the lone.from i graduate school i do n't do anything auto mechanic work, i do n't remember mostly nothing that I have learned. Am hardly can survive, credit shot, need help.
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: OneMain Finance Corporation (NC)

I got pre approved and was never informed in the advertisement that it was a title loan service and I would like the inquiry removed when I called the location as advised they where combative and careless.
Consumer complaint received 2015-09-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (GA)

My mother passed away in XXXX 2014. There was an unknown mortgage on the family house. Now the house in in foreclosure. Now I need someone with someone with some authority to help me out with the situation!
Consumer complaint received 2015-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (AR)

Chase bank refused to sign and return the reaffirmation agreement to our attorney over a span of XXXX months from XX/XX/XXXX-XX/XX/XXXX in order to complete a bankruptcy filing. We repeatedly expressed our desire to keep the home, had been making our normal monthly payments directly to Chase, and called numerous times to remedy the problem. As recently as today, I attempted to call Chase to get a copy of the reaffirmation agreement, since it was never returned to my attorney, and they stated that they do not furnish that information to anyone. They suggested I contact my attorney again ( who never had luck getting the paperwork either ). This is preventing us from having our on time mortgage payments listed on our credit report and is holding up our attempts to refinance our home. We have paid on time every month since the bankruptcy discharge XX/XX/XXXX and our credit reports do not reflect this positive payment history as a result of Chase 's unwillingness to provide necessary documentation.
Consumer complaint received 2020-06-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Union Home Mortgage Corp (KY)

Loan estimate was on XX/XX/XXXX XXXX closing - went to XXXX, lender said it was fixed back down to XXXX Payment per month went from XX/XX/XXXX XXXX estimate to XX/XX/XXXX XXXX in pre closure document but now on CD its XX/XX/XXXX. XXXX, this is the 3rd CD I got in a day. First was XXXX a month! XXXX more a month wow. Now lender is saying PMI because of income to debt ratio. Which he had me get a car loan out of my name to get me where I needed and now this. Did that for nothing Companies are union home mortgages and the lender is XXXX XXXX for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-02-11
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)

XX/XX/23 In accordance with the fair credit reporting act, XXXX, Equifax, XXXX and XXXX XXXX XXXX XXXX account XXXX has violated my rights. 15 USC 1681 sec 602 States i have the right to privacy. 15 USC 1681 sec 604 A sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Equifax had re-reported an old disputed debt as a new debt for XXXX that has dropped my credit score by XXXX points within 3 days. This is affecting ability to obtain credit and financial health.
Consumer complaint received 2020-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MO)

An unauthorized charged to XXXX for {$34.00}, and now my account is still is negative XXXX when I put {$20.00} in my back account on XX/XX/20 at XXXX when it showed XXXX negative. I submitted fraud when I say the account negative. I reported to XXXX than spoke with another rep XXXX that works in fraud department. I do not have any business with XXXX  the only and I do not use the account for anything but to deposit cashier check to pay my mortgage I have never made any transactions with my debit card but one to use the ATM for XXXX I think a representative at U.S Bank gave information to XXXX. Can please looked at this.
Consumer complaint received 2020-06-25
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: Trident Asset Management, L.L.C. (MO)

Trident Asset Management, a collection agency for XXXX XXXX is reporting a debt on my credit report for a credit card that I never used, applied for, nor have no knowledge of. Ive tried disputing it on my credit report but they report that the debt is accurate. I also tried calling the collection agency and they have basically told me to jump through hoops to get it removed. This is very stressful. I just want the debt removed. I dont have a credit card with their company.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

On XX/XX/20 I received an email from Citibank that they lowered my credit limit due to " information obtained from my credit report ''. Nothing had changed on my credit report aside from a mortgage refinance. I was paying down my credit cards, I have never had a payment more than 30 days late and the only time recently my credit was ran was for the mortgage. 

I did make my XXXX payment a few days past the due date on my statement due to the timing of when I get paid from my work. My wife is currently out of work. 

This is the second time in less than 5 months that Citibank has lowered my credit limit to just a couple of hundred dollars above what I owed. the first reduction that happened in XXXX significantly lowered my limit. 

The scenario to my understanding was related to my auto payment from my bank account being {$15.00} less than the minimum. The difference was made up before the payment would be considered 30 days late. 

This has significantly impacted my credit score as it reduced my available credit to used credit ratio. 

When I reached out to Citibank they said I could dispute with the credit bureau and there was nothing they could do.
Consumer complaint received 2020-06-25
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. (IL)

I have a complaint against Experian for failing to investigate information being reported that is inaccurate and does not belong to me. 
According to 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( A ) of the FCRA - you are required to ... ... promptly Delete all information which can not be verified. 

I am exercising my right under FCRA to request verification and tangible proof of the accounts that are being negatively reported. I have requested this information for the following accounts. 
XXXX XXXX XXXX XXXX XXXX I have made several attempts to receive this information and 2 years later it is still being reported. I am requesting Experian follow the law and provide me with this information or update my credit report and remove the inaccurate and negative accounts that does not belong to me from my credit report. My next step is to get a lawyer to continue this fight for me. This is terrible that Experian continues to treat consumers this way. They refuse to investigate information, even though they will come back 30 days later and state the information has been verified without sending consumers proof of this information.
Consumer complaint received 2021-03-25
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2016-09-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MD)

I had a credit card account with a credit union which later was charged off and turned over to their representing law firm. I had an agreement with the credit union 's representing law firm to pay them off, which I did in XXXX. The law firm supplied me with my paid in full and satisfied letter in XXXX XXXX. I promptly sent the letter to the XXXX credit bureaus to update the status of the account. Experian contacted the credit union and was told not to update my credit information and stated that it REMAIN. I am asking the credit union to honor their representing law firm 's paid in full letter as close out of that account. Experian refuses to accept the firm 's letter as proof of payment because of the credit union 's remark. What can I do to correct this denial of my updated information?
Consumer complaint received 2016-03-22
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (MN)

We hired a moving company for an interstate move. We authorized a payment as required for delivery though the amount was in dispute. We agreed with the moving company on the amount quoted from their account department to me via email. We signed an authorization for this amount. We subsequently received an automated invoice for additional charges which were never explained to us to justify the second invoice. We contacted the moving company, their parent company and our credit card well in advance of the charge date to discuss. We sent numerous emails to the moving company and verbally communicated we revoked any authorization for a new charge. The moving company was never able to articulate justification for the invoice and the credit card company kept saying do n't worry about it until a charge occurs. Our credit card company said that since we provided authorization they are unable to dispute the fees in our favor and that this does not constitute fraud and to go hire an attorney. We went through several rounds with the credit card company including their agents/employees telling us : 1 ) this is a type of fraud and should be covered, 2 ) this is a disputed transaction and should be found in your favor, 3 ) this is an unethical business practice by the moving company and we will be contacted by corporate ( we were never contacted other than form letters ). So we are left with a moving company freely charging our credit card without authorization and the credit card company is not protecting us.
Consumer complaint received 2020-06-25
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I applied for three products, at the same time. It is a requirement listed in the account agreement that an interested applicant must be a member in order to be eligible to apply for any other products or services. This fact is pretty consistent in the banking and credit union arena, but what isn't commonplace ( as far as im able to conceptualize ) is why a savings account would be declined based on credit factors, when there are no credit or even debit capabilities other than overdraft protection for a linked checking account. Further, I was interested in applying for a XXXX  checking account, but since that requires an in person application process I began with a free checking account application, along with my initial reason for my visit of an auto loan, as well as the aforementioned savings account. The adverse action notice was written as though my application was for an auto loan and savings, and was declined for both products, which is fine. My concern isn't that i am being denied financial products, the financial industry is designed to make it very difficult for people with less than desirable credit profiles to secure anything worthy of being called credit, that is nothing new for me, going on 8 years of denial notices already in my attempt to climb back up. My concern lies here : What happened to my Checking account application? There is no mention of or inkling showing any sign that I even applied, but I definitely did, because ( as per the terms of the credit unions requirements for membership ), it was required in order for me to apply for an auto loan. Were the documents ignored, or misplaced? Either way I feel taken aback, confused about the adverse action notice for a savings account, and concerned that my personal information was misplaced, hacked, stolen, or deleted without my knowledge.