davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
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. (AZ)

XXXX  XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$2000.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still holding me responsible. XXXX  XXXX XXXX XXXX XXXX # XXXX, XXXX, Amount {$1400.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still holding me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$230.00}, This account was opened fraudulently, contacted the company and company refused to removed this from my account and is still holding me responsible.
Consumer complaint received 2022-08-04
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-01-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

After reviewing my credit report from EQUIFAX, I have noticed that the report shows 3 fraudulent credit inquires that I did not authorize.

1. ) XXXX XXXX 2. ) XXXX XXXX 3. ) XXXX XXXX VISA CC Please investigate and remove these inquiries as quickly as possible.

I have included with this complaint copies of all required documentation.

Identity Theft Report, Letter to Equifax, Drivers License, Social Security Card, Proof of Residence, Equifax Credit Report, and FCRA 605B
Consumer complaint received 2022-02-23
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)

XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$220.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$4500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$16000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$730.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$120.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$650.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. 
XXXX XXXX, AC # XXXX, XXXX, Amount {$870.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$250.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge 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: ALLY FINANCIAL INC. (CA)

Back in XXXX of XXXX, I had some work done on my furnace. Through a company named XXXX XXXX XXXX XXXX XXXX XXXX. The work was completed to my satisfaction, and they also offered zero Finance promotional credit which I took advantage of. This promotional credit was through Ally Lending FDIC Cert # XXXX. If I paid the balance off within a year, there wouldnt be any interest add it to my account. I paid off the loan in 10 months on XX/XX/XXXX. Per their instructions, I set up an automatic payment of {$350.00} every month. In XX/XX/XXXX the last payment should have only been {$310.00}, but they took the full amount to {$350.00}. I reached out to their client service department, and they told me I had to wait two weeks to file a complaint for the overpayment. I felt that that was unacceptable and let them know that. I waited until XX/XX/XXXX, and filed a complaint, I was hoping that this would be resolved in a timely manner. It's now over a month and I still have not received a refund for the overpayment that they took an error. Ally lending employee customer service basically gave me the run around couldn't give me a date of when this is going to happen and said that they had nothing they could do at this time. The representative also said it's just {$40.00} why you are making a big deal about it. All along the way, these this company 's employees have been rude and unhelpful. I would like to file a complaint against Ally lending for failing to return the overpayment in a timely manner. 

Contact information : XXXX XXXX XXXX XXXX XXXX XXXX Unit P XXXX XXXX, XXXX  XXXX Ally Landing Account Number XXXX XXXX XXXX XXXX Last 4 digits of my Social Security Number XXXX XXXX
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2017-03-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Amsher Collection Services, Inc. (GA)

Im disputing this collection because it shows on my XXXX, XXXX, that the debt of Amsher collections service doesnt exist but it shows on my XXXX thats is a debt of mines. It also show that on XXXX my birthday is wrong and XXXX addresses as well
Consumer complaint received 2022-09-15
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. (DC)

I am a natural person, I am a living being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. They have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written consent to furnish these accounts. 

XXXX XXXX account # XXXX # XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX  account XXXX XXXX US DEPT ED account # XXXX XXXX XXXX XXXX account # XXXX
Consumer complaint received 2022-02-23
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. (GA)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Consumer complaint received 2022-02-23
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. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The -- - Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX. XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX. XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX. XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX. XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX. XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX. XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX
Consumer complaint received 2022-02-23
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: ACIMA CREDIT, LLC (MI)

The ACIMA appears to be a charge-off account with a specific balance of {$5700.00}. The information itself is already an error because a charge-off account should have NO balance. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Consumer complaint received 2015-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CT)

I have file XXXX complaints with Equifax to remove the XXXX student loans accounts for XXXX XXXX XXXX ( XXXX ) because they have reached the 7 years mark of being on my credit report. Each time they wrote back stating that after the investigation of the XXXX accounts belong to me ; but my request stated that my dispute was that the accounts has been on my report for 7 years from its XXXX delinquency not if the accounts belong to me! I feel like this is a tactic of theirs by giving me the run around to be able to report debt pass the legal law requirement. I have attached the letter of dispute I sent to Equifax XXXX/XXXX/XXXX, the tracking number for proof of delivery, Equifax response credit File number Confirmation # XXXX date XXXX/XXXX/XXXX of the investigation to my request of dispute, XXXX file number XXXX Equifax response to my question regarding how long information remains on file, XXXX Equifax credit file number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for XXXX, XXXX XXXX credit report number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for XXXX, XXXX XXXX credit report number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for XXXX and a XXXX letter head from XXXX. Please have the XXXX XXXX XXXX ( XXXX ) remove from my credit report, for they have served there serve years from the XXXX date of delinquency on my credit report. I believe XXXX has an account with Equifax and that is the reason they are giving me a hard time ( the run around ) with removing the XXXX accounts XXXX is reporting on my credit report. I sent the same request to XXXX and XXXX and the accounts was removed. This company has broken many law and has learn how to avoid CFPB by not being a register company. They report on my credit report as XXXX XXXX XXXX XXXX Equifax and XXXX on XXXX, XXXX XXXX XXXX ( XXXX ) on XXXX, but is registered as XXXX XXXX XXXX. My complaints with CFPB in XXXX stated they could not investigate XXXX XXXX XXXX because the company could not be found and I can not file a complaint that has XXXX names ( ie. XXXX/XXXX ). It 's my belief that XXXX is practicing fraudulent tactics and really need to be investigated fully! Also Equifax needs to be held responsible.
Consumer complaint received 2020-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Over the past year we have had terrible problems with our mortgage company who we have called and complained to on number occasions ( probably at least 12 calls including being transferred to supervisors on numerous occasions ). We have been submitting our payments two weeks in advance of the due date of the mortgage ( 1st of every month ). We have also paid extra money with each payment to be applied to the principle. They sent me a report for the past years activity of 18 pages. The reason for the 18 pages is the mishandling of funds. Not one payment that I can see was made without revision, fees added, or the funds being put into a side account! Then billing me for fees because the mortgage was not paid. It was paid but never credited to the account, they put the funds into a side account until I called to inquire. We do use a third party company who takes the funds out of our account on a bi-weekly basis and then send to the mortgage company two weeks prior to the due  date of the mortgage. Over the past year the company grossly mishandled the payments by the mortgage company in my opinion. The balance of the mortgage has gone up and down like a yo-yo instead of a steady decrease. I would really like to get a fresh set of eyes to see if my complaint is warranted.
Consumer complaint received 2022-02-23
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-04
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WESTSTAR MORTGAGE CORPORATION (OR)

I financed repairs to be done to bring my property up to standards through a XXXX loan and the contractor I chose and who was approved by the lender did not complete the work and did more damage than repairs. The lender was made aware of this XX/XX/2015. They were in control of my funds and released 1/2 of the funds to the contractor up front ; they allowed the contractor to exceed his contract due date. And, now they are saying I am in default, even though I have made all my mortgage payments. They are blaming me for the work being stopped for more than 30 days. 
In XXXX 2015, after allowing the contractor to exceed his 90 day contract, the the lender hired a HUD consultant. The HUD consultant stated that 85 % of the work was complete, regardless that it had not been completed in a workman like fashion and failed the final inspection. The lender since XX/XX/2015 insists on only allowing the remaining funds on the loan to cover a repair list provided by the same HUD consultant ; completely ignoring the bid of record which was given to the appraiser in XXXX 2015. 
They have refused to accept any other bids which now exceed the amount of funds left on the loan due to their allowing the contractor damage more than he repaired. They promised that " no matter what he does, we will get someone in there to finish, fix and repair. '' XX/XX/2015 the lender wanted me to allow the remaining loan funds be applied to the pr principle of the loan ; at the same time they were made aware that the new roof was now leaking into my brand new living room and the support beam etc. was not repaired. They have repeatedly threatened default taking their attorney 's fees out of the renovation funds as well. I have also spoken with the original appraiser and he stated not only did the ask for the appraisal and was given the report XXXX/XXXX/15, they then requested a completion inspection on XXXX/XXXX/15 ; the actual closing did not occur until XXXX/XXXX/15 and he sent correspondence asking if they were certain ; they insisted on an inspection ; he inspected and sent a report that none of the repairs had been completed. FHA and HUD have done a review at my asking ; at the time they were not aware of the appraisal issues ; but I have communicated my new findings to my contact in XXXX XXXX. The chief of HUD and the contacts at FHA have urged me to contact you and keep pursuing the issues through my attorney which is difficult because I am a single female and have limited funds ; the co-borrowers are my XXXX year old parents.
Consumer complaint received 2022-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (AZ)

I have written an enormous amount of letters to various governing agencies, with CFPB being one of them. The problem is still the same. I have written various correspondence with the company, Wells Fargo, who committed various illegal and unlawful acts both at the state and federal level. First, my vehicle was repossessed unfairly, unjustly and without just cause based on an error made by Wells Fargo in XX/XX/XXXX CPI insurance was placed on my loan file unnecessarily to which Wells Fargo initially sent correspondence stating it was necessary. After forming my complaints, Wells Fargo sent correspondence stating the CPI insurance was unnecessary yet, Wells Fargo did not compensate based on Class Action Suit against them from the violation. Wells Fargo violated my consumer rights causing lower credit scores and diminished ability to seek credit which resulted in me filing bankruptcy. After the bankruptcy discharge, Wells Fargo never updated my credit file, even after the 10 years it took to remove the bankruptcy off my file. The calamity that Wells Fargo caused has damaged not only my life, but my trust in the banking system and the governing bodies that regulate them. I went through the mediation service provided by Wells Fargo, and again, another attempt to cover up the damage caused, and created by Wells Fargo took place when the representative lied and stated Wells Fargo didn't believe that mistake they made caused the repossession. Now Wells Fargo wants me to sign a lie in order to receive XXXX they offered from their massive mistakes with the loan I had with them. Wells Fargo final response was, seek legal action against them because they have exhausted what they will do. I want CFPB to protect me the consumer by helping me to fight against illegal and unlawful practices just as CFPB did with File No. XXXX.
Consumer complaint received 2022-07-20
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. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

Hello A transfer was made to a non-existent or closed Citibank account which was linked to my XXXX XXXX savings account in error. I submitted multiple requests to reverse this ACH transfer at both Citibank and XXXX XXXX, but no one has been able or willing to assist. 

Full details of the transaction are below for reference : Citibank Account Number : XXXX Citibank Routing Number : XXXX ACH Trace Number : XXXX XXXX XXXX Originating Account Number : XXXX XXXX XXXX Originating Routing Number : XXXX ACH Date : XX/XX/2022 Amount : {$67000.00} XXXX XXXXXXXX has confirmed these transaction details but Citibank has been unable to locate the transfer.
Consumer complaint received 2023-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I had to sell my home before it was foreclosed on by the bank, and received much notification stating that. My home was listed on the foreclosure website of the town I lived in in XXXX New Jersey. I do not have the dates as we had to leave the home in XX/XX/2019.