davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-04
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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-02-04
Product: Credit reporting 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. (KY)

The following inquires were added to my credit report without my consent, please remove these unauthorized inquires from my credit report. 

XXXX added an inquiry from XXXX XXXX XXXX ( date XX/XX/23 ) Equifax added a inquiry from XXXX XXXX ( date XX/XX/23 ) Equifax added a inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/23 ) Equifax added a inquiry from XXXX XXXX XXXX  XXXX XXXX XX/XX/23 ) Equifax added a inquiry from XXXXXXXX XXXX XXXXXXXX ( date XX/XX/23 ) XXXX added a inquiry from XXXX XXXX ( date XX/XX/23 ) XXXX added a inquiry from XXXX XXXX  ( date XX/XX/23 )
Consumer complaint received 2021-10-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: KINGS CREDIT SERVICES (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

3 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are not my accounts never had them all these inquiries was not made by me please delete. I contacted companies and they said contact the credit bureau I didn't notice until now XXXX XXXX   Miscellaneous Individual XX/XX/XXXX XXXX XXXX Miscellaneous Individual   XX/XX/XXXX XXXX Banks Individual XX/XX/XXXX XXXX   Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX  XXXX Banks Individual XX/XX/XXXX XXXX XXXX  Automotive  Individual XX/XX/XXXX XXXX XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has 3 cards. I never had XXXX XXXX XXXX XXXX not mines XXXX Finance / Personal Individual XX/XX/XXXX XXXX  XXXX XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX  2 Automotive  Individual XX/XX/XXXX XXXX XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Individual XX/XX/XXXX
Consumer complaint received 2024-02-09
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my right, And lists of unauthorized 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 ) ( XXXX ) XXXXection 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 ) ( XXXX ) 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 2020-10-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (CA)

On XX/XX/XXXXn I got a Personal Loan from Speedy Cash. 

I did follow with the payment arrangements until later XX/XX/XXXX when I couldn't continue with them due to personal issues. 

Taking the current situation, I'm not in a position to pay this loan, therefore AD Astra Recovery Serv. is  charging me XXXX . 

Thank you ahead for helping me resolve this matter. 

XXXX XXXX
Consumer complaint received 2017-04-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank  of America  offfered free checking because they were my mortgage servicer so I opened an acoount. Bank  of America tran sferred my mortgage to a new servicer on their own and breached the account terms and now illegally charge me {$25.00} for my account which should be free. Also, they charged me {$35.00} overdraft this month because the illegal monthly fee they charge me made my account go negative and they refuse to stop the monthly fee or refund the {$35.00} overdraft. I have also incurred expenses since they switched my mortgage servicer since I have to send the payment each month with tracking to Texas instead of just going into a Ban k of America branc h.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Subject : Urgent Request for Documentation and Action Regarding Unauthorized Inquiry and Security Interest Dear Capitol One, I am writing to address a concerning matter regarding an inquiry reported by Capitol One, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation.

Firstly, I require documentation proving that I provided express written consent for Capitol One to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal.

Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying Capitol One to remove this inquiry from my file within four business days.

Furthermore, it has come to my attention that Capitol One neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the CUSIP number associated with the security interest provided to Capitol One. Failure to provide this information will leave me with no alternative but to initiate a level 3 audit on my account. 

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action. 

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I have 2 addresses that were never mine reporting to my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2017-01-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

in 2013 I had a account with Bank of America my boyfriend at the time had asked if he could deposit his check in my account so I agreed and signed the check he deposited it for me. Then I get a letter stating that my account was locked, come to find out it was a fake check and I have n't been able to open a account since.
Consumer complaint received 2021-01-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

on XX/XX/2020, I sent ( LVNV FUNDING, LLC AND XXXX XXXX XXXX ) A LETTER REQUESTING FOR THE VALIDITY OF THE ALLEGED OF XXXX THAT I DO NOT OWE AND I HAVEN'T HEARD FROM THEM ABOUT THIS ITEM.I HAVE ATTACHED COPIES BELOW OF THE INFORMATION SENT.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (CA)

I obtained a new " Active Cash '' credit card from Wells Fargo approx. XX/XX/XXXX. 
I called WF to make a Balance Transfer to pay down my XXXX XXXX XXXX [ thru XXXX XXXX  ]. My WF statement shows the XXXX XXXX posted on XXXX 
XXXX XXXX XXXX XXXX informed us that they never received the funds. We requested WF investigate where the balance XXXX went. Wells Fargo sent me and XXXX XXXX the XXXX XXXX XXXX report which clearly shows that the funds went to a XXXX XXXX XXXX Bank account - NOT XXXX XXXX We've requested multiple times that Wells Fargo credit this transaction on our account because the funds transfer was never sent to XXXX XXXX XXXX XXXX. We've had numerous phone conversations with WF and each has been recorded by WF- we can provide the case numbers as proof of these calls. The amount is stiil outstanding on the XXXX XXXX XXXX Account and the balance transfer is still posted on our WF account- it has not been reversed or refunded. XXXX XXXX consequently closed my XXXX XXXX XXXX Account as well as another account I had with them [ XXXX XXXX ] - the XXXX XXXX card had a {$0.00} balance.
Consumer complaint received 2016-07-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

we send a payoff for my car but the XXXX company send it to another adress so i speak with the company about it and tell me i need to send a nwe one and cancel the other so i did but this payment was late and they put me late payment in the accunt, i speak before and they tell me that they understand and that they are not going to do it today the account is closed but i have this negative in my credit report
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN XXXX HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT.
Consumer complaint received 2020-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (VA)

On XXXX XXXX I went to XXXX  XXXX  and tried to purchase something but was declined at the register tried again got declined again but upon checking my account after the second decline the amount of {$23.00} that I was just declined for was taken out my account and then 5 minutes later some reload something took out {$10.00} and the bank acts like theres nothing they can do I had to file it as unauthorized charge and been waiting forever with no questions answered why didnt my card work and why did the money still come out
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (AZ)

when you are deliquent with Flagstar they make it difficult to make payments as you are not allowed to use online payment services or make it through the by phone without talking to someone. However they keep you on hold and if you have to get to work for fear of losing your job you are not able to stay on the phone. I did request assistance prior to this in 2020 and was told while i was in bankruptcy that there was nothing they could do as they had to speak to my bk attorney which is not what my bankruptcy attorney handle. I had to file bk the last time and as my employment has reduced my income due to the job maket i am trying to do the best that i can to keep my house but Flagstar makes it increadible difficult.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

https : //www.bankofamerica.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you look at these instructions 1.login choose bill pay - you can not choose Bill Pay as such you have to choose one of the sub headings so the first instruction itself is wrong. 
2.i think they are doing this to purposely charge interest and the fees.
Consumer complaint received 2024-01-29
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Meritize Financial Inc. (GA)

I applied for a XXXX loan with XXXX XXXX XXXX the information that was given to me during the process of getting the admission and the process of the XXXX conflict and am not able go through with the classes after attending a couple and my XXXX XXXX was not always available when am there for my training. Major issues was his time and was told my classes was going to be online because I work but that was not so, and the training was not going like I expected and I reached out to the XXXXXXXX  last year in XXXX and was told they will reach to me and I have not heard anything from them till this moment.
Consumer complaint received 2016-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

We have 7.25 % rate mortgage with HFC ( household Finance Beneficial ) They are and have been uncooperative in all aspects of business. They claim to have no fax, or email ... absurdly. 
When trying to refi, they strung us out as long as possible we waited a month for a confusing mortgage statement, consisting of XXXX pages ... ( via USPS ) the rates rose, and that hurt us, and also the new lenders could n't make sense of what was sent. " never saw anything like that before ''. It took weeks just to affirm our request, as the agents for HFC somehow did not understand what we wanted. about a dozen calls later, finally we are 'in-line ' for it. 
We currently are under a modification of 2 % less interest than normally, no help here either. 
Intentional Lies and confusion of facts and numbers ... long term as well
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX {$0.00}
Consumer complaint received 2017-01-04
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC (CA)

On XXXX 2016 I applied for a personal online loan from Northern Plains Funding. Everything was done online and I was not giving a copy of the contract after it was signed. I was given an user I.D . and password that only seem to work to sign the documents but after that it did not allow me to log back in to print out my payment schedule. My payment was to be {$87.00} per month for 27weeks or pay the full principle of the loan which was {$700.00}. However, they are now withdrawing {$210.00} every two wEEKS FROM MY CHECKING ACCOUNT. This needs to stop. I did not agree to this. I 've called to complain and asked for copies of my contract which they have not provided. Please help.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have a XXXX  XXXX XXXX charge off credit card on my credit reports account number ending with XXXX that does not belong to me. I recently received my Social Security almost a year ago and tried to open my first credit card, but when I saw my credit report, there was an unknown charge of collection on my credit reports that is from 2020 which I dont even know. I tried contacting XXXX  XXXX XXXX multiple times, and when I give them my Social Security number they are unable to pull up anything. This means that this charge off does not belong to me.. I am already preparing a lawsuit against XXXX  XXXX XXXX and if XXXX and Equifax does not remove these charge off XXXX  XXXX XXXX from my credit reports, I am going to file a lawsuit against as well because this is a fraudulent identity theft charge, which does not belong to me.
Consumer complaint received 2024-02-03
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. (TX)

per the FCRA as a federally protected consumer I am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal with regards to selling, trading & reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information, As well as XXXX Form of opt out notice to consumers ; opt out methods, with said company " XXXX '' I the consumer have given notice for XXXX to discontinue reporting & selling of my information to third partiesl ; WHICH IS A VIOLATION OF YOUR PRIVACY RIGHTS UNDER THE PRIVACY ACT OF 1974
Consumer complaint received 2024-02-02
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. (NY)

I am writing to follow up on my previous communications via the Consumer Financial Protection Bureau ( CFPB ) concerning my request for a reinvestigation and the removal of disputed negative items from my credit report. Unfortunately, I have not yet received any resolution or response from your department, and this matter remains unresolved.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: MOHELA (TX)

Nowhere in the consumer law shows where it is okay to transfer or sale my personal information to another company without my written Consent, permission and authorization even when it comes to my student loans. I was on a program with federal student loan where my loan would have been forgiven this year due to my income. They broke a contract an sold my information to another company. 15 U.S. Code 1681b - Permissible purposes of consumer reports