davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

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
Consumer complaint received 2024-02-10
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXX Account XXXX : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2017-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (CA)

On XXXX XXXX,2015. I logged onto WestLake Financial online to pay my truck payment. I agreed to have {$200.00} debited from my account. The next day on XX/XX/XXXX I checked my bank statement and noticed they cleared two charges of XXXX and paid them to Westlake financial. I called Westlake financial where they told me I had to prove my bank statement shows a cleared transaction for the double charge. This company took funds out of my bank account without my permission. My family is now left with {$10.00} ( family of XXXX with XXXX kids ) they are not contacting me back. This was my money my family needed and now it 's gone.
Consumer complaint received 2016-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (IL)

I was a victim of identity theft and noticed a collection from AFNI I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protecter consumer. As a consumer I am demanding the deletion Of these inquiries listed IMMEDIATELY! 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to any XXXX party company
Consumer complaint received 2024-02-09
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. (CT)

This Complaint is regarding several Fraudulent INQUIRIES listed on my EQUIFAX Credit report. I have reached out to both EQUIFAX and the companies in question, each resulting in no assistance or clarity. Please see the listed Companies in question below : ( 1 ) XXXX XXXX XXXX, date listed; XX/XX/XXXX ( 2 ) XXXX XXXX XXXX XXXX, date listed XX/XX/XXXX ( 3 ) XXXX, date listed XX/XX/XXXX ( 4 ) XXXX XXXX XXXX XXXX XXXX, date listed; XX/XX/XXXX
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY (NC)

My credit card and associated rewards card have an auto insurance feature for rental cars. It's supposed to cover deductibles for damage ( theft, vandalism, accidents, etc ) that otherwise would not be covered under normal auto insurance. I don't need to buy additional insurance for a rental car at the point of pickup because of this extra coverage. My rental car was vandalized ( {$500.00} of damage ) and property was stolen ( value roughly {$4000.00} ). My claim for {$500.00} was denied due to a provision in the contract ( the fine print ) that limits the rental period to 15 days. The auto break-in occurred on day 16 of an 18 day rental.
Consumer complaint received 2024-02-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Imperium Lending, LLC (PA)

Began refinancing of house with XXXX XXXX  given a XXXX appraisal fee, already paid. Contacted by Imperium lending, convinced to switch for lower interest, couldn't give me XXXX appraisal but could " credit '' the fee XXXX off closing costs. Then cost were added in, so obviously I paid that, they claimed I misunderstood, not the case, was lied to. Then after appraisal I was told I needed one more thing, XXXX XXXX XXXX- which I ended up failing ( to a tune of costs totaling XXXX, to fail ), delaying processing, costs went up by lender. Had to escrow plumber, forced to replace pipes by municipality ( small root showing ), to a cost of XXXX. Felt stuck with needing to refinance. Told in beginning that I could refinance with them again when rates dropped for no cost, but then I asked how do I know they won't sell like my other mortgage did ( that I now can't get ahold of to even try with them ), they assured they wouldnt in beginning because they were a much " bigger '' bank. But when asked upon closing for that in writing, they said they could not. Researched to learn they are Whole Sale market, and selling mortgage is just what their business model is. On their site, it state the were paid by lenders, not by consumer, but there was close to XXXX fee to Imperium lending on closing cost, along with the Loan origination fee, which went up as it took time to close due to failed sewage test. Spoke to XXXX  and others about all the costs, which would have in end totaled XXXX for a XXXX loan refinance., with an excellent credit score, was crazy high, and foolish to pay that much, along with higher interest, and added back in PMI to refinance to be able to afford some home repairs. SO I backed out, still forced to replace sewer ( not their fault ) but they lied multiple times, XXXX about appraisal fee being " credited '' off costs, XXXX about they would sell mortgage like other company did and I could refi with them when rates dropped, lastly about the costs being paid by lender on their site. Not to mention how my rates kept raising as the process was stalled by their slow customer service, or to failing a test that I was not told about until after paying for appraisal. Very shaddy business practices. Just looking to help out a future trusting consumer like myself, who's not the best with math and a bit too impulsive with making decisions.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2020-06-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Ticket number XXXX XX/XX/2020 I purchased a flight with XXXX XXXX for the dates of XX/XX/XXXX-XX/XX/2020. Days later XXXX Government stated that it was best for us to stay home and not to go outside only for necessities. I notified XXXX about this situation and the representative told me to stay up to date with what's going on as far as cancellations. I told her to notate the account as well stating that I would like a refund not credit. 

I called and called and couldn't get a hold of anyone days prior to my flight taking off. I couldn't leave my home. I filed a complaint with my bank and they refunded me. Weeks later I received a notification stating that the case was reopened and XXXX provided them with information such as " a credit '' so they took the money back out and it went back to XXXX. 

Once again, this is a pandemic and they should have basic empathy for customers during this time. It's been months since I was able to received funding for my small business so I was relying on any cash that I could have received during this time. 

This is beyond absurd and I feel extremely manipulated. I do understand the no return policy but this should be escalated and a refund should be given to me as a courtesy due to this world pandemic.
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)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is vry incorrect. XXXX XXXX XXXX {$2100.00} XXXX XXXX   XXXX {$200.00} XXXX  XXXX {$2800.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX   XXXX $ XXXX XXXX XXXX {$100.00} XXXX XXXX {$2200.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$85.00}
Consumer complaint received 2019-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I have tried resolving this issue with the Equifax and XXXX XXXX  by asking them to validate the debt with documents showing I owe the debt. I never live at XXXX XXXX and I never lived at XXXX XXXX XXXX, Tx XXXX. XXXX and XXXX have removed because this is not me and I do not owe the debt. Please remove from Equifax report debt dat reported XX/XX/ 2015 reporter XXXX XXXX XXXX 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. (MD)

I still see that my information is being mishandled and inaccurately reported, prompting me to refile this complaint with EQUIFAX. Upon reviewing my credit report dated XX/XX/2024, I discovered a derogatory entries that I were previously unaware of, containing inaccurate details such as payment history, status, opened date, and date of last activity. In accordance with 15 U.S.C. Section 602 and 15 U.S.C.

Section 604 A Section 2, I wish to assert my right to privacy. It is emphasized that a consumer reporting agency is not permitted to disclose an account without my explicit written instructions. I have attached the FTC report with report number XXXX to support this complaint.
Consumer complaint received 2024-02-09
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. (SC)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXXXXXX Balance : {$350000.00}  XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$350000.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$390.00} XXXX Inquired on XX/XX/2022 XXXX
Consumer complaint received 2024-02-09
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$30000.00} LA XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX  XXXX XXXX Balance Owed : {$680.00} XXXX XXXX  XXXX Balance Owed : {$600.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$100.00} 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
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to you regarding the presence of late accounts on my credit report that are severely impacting my financial standing. I demand the immediate and unconditional removal of these late payments to rectify the injustice that has been perpetrated against me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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)

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 Sincerly XXXX XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

According to 605B, this account should be removed promptly. I'm angry about it being on my credit record, and it's not even my account. Its presence has upset me, and I feel unwell because of this situation. Please remove it as soon as possible.
Consumer complaint received 2022-10-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (MI)

Affirm approved loan of {$740.00} and sent money to vendor before product was received. I never received the product, company XXXX XXXX ) kept pushing out my delivery date, which resulted in Affirm claiming that I couldn't file a complaint because it was after the return period, even though i never got the product. Turns out that XXXX filed for bankruptcy, so they stole my money that Affirm shouldn't have given them in the first place. Affirm should have supported me from the beginning to get my my money back. This would have happened before the bankruptcy went through, but affirm was unwilling to give me my money back.
Consumer complaint received 2022-10-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orions Management Group, LLC (FL)

The company Orion has called me repeatedly. They wanted me to verify my social security number. I refused. As I tried to explain to " XXXX '' that I wasn't comfortable with that as my identity was stolen he refused to listen said he would just " assume '' that it was my debt and they would proceed to sue me.