davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX .... Balance : {$140000.00}
Consumer complaint received 2022-03-31
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. (PA)

These Inquiries listed in this affidavit are in accurate. I did not inquire with these companies. Please remove these INQUIRES immediately as they are causing me harm as a consumer. Due to only being able to list XXXX here are the others. XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX I am a victim of identity theft and need these removed.
Consumer complaint received 2022-10-20
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. (NJ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2022-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (MD)

It's possible the representative I spoke with is out of the office, but they have been incommunicado for almost a week. I was promised a refund of the {$24.00} credit balance on my rewards card, but moreover, I was promised my account would be reviewed for reopening if I provided proof I did not request the stop payment. XXXX reviewed my call and confirmed I never asked the rep to put a stop payment on the account, only asked about an NSF fee on an old checking account. I sent over XXXX documentation where they explicitly state this, but I have not heard back. I should not have my account closed over {$44.00}, one that I have been a very good with since 2018 amounting to total amounts around {$100000.00}. This is especially true where I was not the one issuing the stop payment. I was the one actually trying to manually make payment! The bank was the one erroneously stopping payment, per their letters sent to Synchrony.
Consumer complaint received 2022-03-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (NY)

I have an Auto Loan with Ally Financial and I'm finding their business practices to be rather shady and possibly fraudulent. Ally Financial sends a loan statement each month which shows the amount that is due on that statement, finance charges, late charges, previous balance totals, and other charges. They also display the outstanding balance of the loan and the loan 's interest rate. However what I find fraudulent is when a customer misses a payment, on the next statement, the amount the missed payment was supposed to be for, is under the finance charges line, in addition to a late fee, and previous balance. What I also find fraudulent is the fact that they do not show a payment breakdown a customers statement, nor do they make it easy to find a payment breakdown so consumers can see how much they are spending in late fees, interest, and other misc. charges the lender may tack on. You have to request what is called a " payment history statement '' using their online banking email service and wait for their reply. The representative couldn't even tell me what the charges were for the year unless I gave him the exact dates of the payments. Who on earth has time for that! Time aside from that, this information should and needs to be readily accessible to consumers, especially as our country bulges into further economic deficit.
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (NJ)

I have been using Wise for several years and this is the second time I am facing the issue, and in spite of my emails, they are not responding. 

The funds have not been delivered to the beneficiary account. I have tried to reach out to the customer service of Wise, and haven't got my problem solved. I hope if CFPB could help. 

At least, can they respond???
Consumer complaint received 2022-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (MA)

This account credit management is incorrect. I sent a debt validation letter and tried disputing to credit agency and they couldnt provide validation of the debt and verify me with proof they assume I owe. You can not furnishes information knowingly inaccurate by law under 15USC 1681. You must maximum accuracy and this is completely in violation. This in fact, is identity theft upon me, which violates my rights. I never gave written instructions to do so, which the law states. This is hurting me to obtain credit.
Consumer complaint received 2022-10-20
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. (PA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-03-31
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. (GA)

accordance with 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 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (FL)

XXXX, XXXXXXXX XXXX XXXX  # XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX AMERIFINANCIAL SOLUTIO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERIFINANCIAL SOLUTIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District oXXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-07-16
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: Lending Club Corp (FL)

I gave XXXX my schedule of creditors per my bankruptcy in XXXX/XXXX  2018 and an entry, Lending Club Corp., was corrected to show that it was indeed included in bankruptcy. Per a dispute a credit repair company submitted on my behalf, XXXX changed it yesterday, incorrectly, to a charge-off, with a late payment date as this month- contrary to my court-ordered discharge! I tried to submit online to XXXX, it would not let me. Please review the attached court documents and the excerpt from my XXXX credit report showing it correctly in XXXX with the second page from yesterday changed incorrectly to my detriment to a late payment. Please assist!
Consumer complaint received 2022-08-24
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)

I have this fraudulent account XXXX XXXX XXXX on my Equifax and XXXX XXXXXXXX XXXX  affecting my credit even though XXXX has investigated and removed with police a d identity theft report. Can you assist it getting Equifax and XXXX to remove.
Consumer complaint received 2021-12-22
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)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management (FL)

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-05-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

i Disputed some items on my credit report from 2 collection agency with equifax.

i've asked several times for Documents used to verify accounts that was placed on my credit.they have yet to provide me with the documents i am exercising my right under the fair credit reporting Act, Section 609, As per section 609, I am entitled to see the source of information, which is the original contract that contains my signature, if you are unable to to verify with the orginal contract it should be removed
Consumer complaint received 2022-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (RI)

I was alerted my credit score had dropped XXXX points. Turns out wells fargo home mortgage cancelled my auto debit and my mortgage is past due. Soon as we discovered this I called wells fargo who allege we cancelled the auto debit? I asked why i receieved no calls, letters, emails or ANY CORRESPONDENCE at all alerting me before wrecking my credit and they fabricated that I had a do not call on file?? I HAD a very high credit score and of course would want my home mortgage company to contact me if needed. Wells fargo also had no reason why they didnt send a letter or an email notifying my i was delinquent. Certainly thats a legal compliance violation, zero notice prior to reporting past due to the credit bureaus. I tried contacting them and paid them as soon as we discovered the situation but they offered zero help on fixing my credit even though they acknowledge they did zero due diligence to contact me regarding being past due. All i want is the right thing done and my credit score fixed due to lack of notice on their end.
Consumer complaint received 2022-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

This company is charging me internet rate on the balance that I do not owe! Per the contract I treat can not accrue until after two years. They are consistently reporting to the credit bureau that Im a delinquent on my past due balance in which I should not have a Balance with SYNCB/ROOMS TO GO. I was supposed to receive a credit to my account since when they delivered my box spring it was damage by the movers. My boxspring that I never was reimbursed for it is documented in their system because I have called them several times about the situation, and when it happened I do not owe a balance to them.
Consumer complaint received 2022-03-31
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. (LA)

On XX/XX/XXXX, I mailed a certified letter to XXXX regarding inaccurate reporting of late payments when my loan was in forbearance. There was no correspondence received from XXXX in return. They reported that my account was 90 days late in XX/XX/XXXX after reporting it current in XX/XX/XXXX. It's impossible to be 90 days late in a span of 30 days. I responded to their email requesting a forbearance on XX/XX/XXXX. A request for forbearance covers the span of 3 months prior and XXXX in advance. The request for forbearance was approved on XX/XX/XXXX. The information reported is currently inactive and should be updated immediately.
Consumer complaint received 2022-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (PA)

I had problems with the loan officer I was assigned at Guaranteed Rate from the beginning. I requested multiple times to have a different loan officer because I had to hound him for information and even my pre-approval letter but Guaranteed Rate would not assign me a new loan officer. Fast-forward through a very frustrating loan process which included my information not being sent to settlement soon enough and having to move my closing date which I had drive hours to pay and for a hotel to make.

I have been informed that Guaranteed Rate put the wrong insurance company down for me and so at closing, they had an insurance policy factored in to my escrow that was about {$600.00} short of what it should be ( my correct policy was about {$600.00} higher than the policy Guaranteed Rate put down for me ). What makes this even more frustrating and unfathomable is that I was closing on two properties with this company and closing on them on the same day. Both properties were to have the same insurance company. One property had the correct insurance information listed and the other property did not. I don't understand how this could happen but now my escrow is woefully short and will not cover my taxes. Furthermore, when my escrow is re-assesed, my mortgage payment will jump significantly. I've spoken to numerous people at the company who's responses range from, " They did mess up but unfortunately you kind of have to make up that difference. There's nothing that can be done. '' to a total denial that the escrow will not be able to cover the taxes. And now after being told I had to retrieve the money from the wrongly paid company because " Guaranteed Rate can't contact the company '', I got the money back and put the money into escrow so the CORRECT company can be paid. The amount of the policy was confirmed as well as the company. I was told the payment request was going to be made immediately and I'd be contacted with a update which never happened. The following week, I got an email stating a payment was made and it was for the WRONG amount. There has been no accountability on the company 's side and even when I reached out to a loan officer who worked on the mortgage, I was brushed off and told to contact the servicing department. I have spent numerous hours trying to get help and get things worked out and there's just one egregious error made after another. I trusted this mortgage company to know what they were doing and handle my information properly and they have violated that trust. Getting a mortgage is stressful enough and this process has been exponentially worse than my first mortgage experience. It is stunning how bad this experience has been.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXXXXXX XXXX  XXXX Balance : {$3800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ( Original Creditor : ) XXXX Balance : {$0.00}