davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

At XXXXXXXX XXXX on Saturday, XX/XX/22, someone hacked into an app on my phone for XXXX XXXX XXXX restaurant. They were able to make a purchase for {$96.00}. While two other cards were saved in my account and those institutions declined the transaction because it was for a location hundreds of miles away and delivered to a shopping center, Ally let the charge go through despite their being insufficient funds for the transaction. I immediately changed my password and called Ally. I was on hold for over an hour before being disconnected. I called back and sat on hold for extended periods of time, even at XXXX XXXX. I also attempted to chat with them, emailed, and contacted them on XXXX, XXXX, and XXXX. Its now XXXX XXXX. I received responses from them on XXXX and XXXX saying hold times were longer than normal. No resolution or care for obvious fraud. Im also now not able to even access my online account because the account has been locked by them with the only option to call. I tried doing that and sat on hold again. This appears to be a widespread issue as there are many complaints on XXXX. Its completely insane that I cant report fraud and secure my account or get any meaningful response from them.
Consumer complaint received 2022-05-15
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. (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 2022-05-15
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. (IL)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX and US Department of education 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

I received my fax refund check from the IRS and deposited it into my US Bank account promptly. US Bank placed an extended hold on the funds from my check. Several days after depositing the check into my account I decided to use the XXXX feature from inside my US Bank account mobile app. I tried to send my brother {$2000.00} as a wedding gift, as he was just married. US Bank prevented the transaction, after which US Bank disabled my access to my online banking and froze my account. I contacted the fraud department and confirmed the recent activity as legitimate, however the representative stated that the account would remain frozen as it is pending closure due to suspicious activity. Obviously since I just confirmed the activity as legitimate the activity is not suspicious, US Bank is attempting to without my money from me as it has placed an extended hold on the funds and froze the account, the funds will clear and post as they were intended to on XX/XX/2022, however I will not have access to them because the bank has taken the actions that it has. This has caused me extreme financial hardship as I do not have access to my money.
Consumer complaint received 2022-10-06
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. (NC)

This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reportd on my Credit Report as well their inability to report accurate information on my Credit File. I previously sent a letter addressed to the Credit Bureaus dated XXXX XXXX, requesing that the Credit Bureaus take their time to VERIFY THE INFORMATION THEY REPORT ON MY CREDIT FILE. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureuas have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureuas to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : 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 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 XXXX XXXX XXXX
Consumer complaint received 2022-12-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX The current status should not be showing late because I paid it on time. XXXX and Equifax Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REPAIR THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Date Opened XXXX XXXX Balance : {$270000.00}.
Consumer complaint received 2020-07-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (NJ)

On or around XX/XX/2020 I applied with XXXX to value my XXXX  for trade. I was steered toward Carvana, who was happy to accept my trade in, but neglected to process my purchase vehicle application. I applied for trade/buy. However, after I made arrangements to sell my vehicle, they decided to then qualify my for a used car purchase loan. The terms included {$6000.00} down for a {$13000.00} vehicle and an A.P.R. of 24 %. I seems that I was a victim of unfair business practices. It seems they engage in these tactics to keep certain applicants from qualifying for a vehicle. In addition to the {$1400.00} to payoff my truck loan, they now want {$6000.00} down to purchase a car.
Consumer complaint received 2022-05-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, XXXX 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 a account without my written instructions
Consumer complaint received 2023-03-11
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (GA)

In XXXX of XXXX, upon reviewing my consumer report, I saw that a XXXX XXXX XXXX  was purchased on XX/XX/XXXX, and was reporting on my reports from Exeter Finance LLC. I called Exeter Finance and spoke with the fraud department. XXXX XXXX, a representative from the fraud department, told me he's processing my information and sent me an email in order to confirm my identity. I responded to the email with my social and driver 's license and the personal information they had on file for the vehicle didn't match with mines.

I sent letters to the consumer reporting agencies to dispute and remove the fraudulent information from my credit report but they responded with a verified status. I proceeded to make an identity theft claim. I also put a security freeze on my consumer reports.

I reached out again to Exeter Finance on XX/XX/XXXX and spoke with a representative by the name XXXX who refrained to answer most of my questions. She gave the name of the person responsible for the car and it is XXXX XXXX. XXXX, also confirmed to me again that the information they had on file did not match mines and claimed to not being able to make-out the signature due to the ineligibility of the hand-writing. The vehicle was repossessed in XXXX XXXX, South Carolina. 

XXXX stated there was no record of the initial fraud claim from the first contact with Exeter Finance and refused to actually do a fraud claim due to receiving my letters and deeming the account accurate. 

Since I do not live in the state the crime took place, I was told I have to make a report in my state of residence first, then to call South Carolina with that report number to state the filing of the report in South Carolina. I have since reach out to my state police department and I am still awaiting a response or an update in regards to my identity theft fraud claim.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I am disputing the following information on my file. This item, XXXX XXXX Credit Card Account # XXXX is inaccurate because the account was opened on XX/XX/XXXX, not XX/XX/XXXX. I am requesting that the item should be updated as it is affecting my credit.
Consumer complaint received 2022-08-01
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)

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to complay with the FCRA section 605b which states that the Credit Bureuas are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible. 

XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4100.00} XXXX  XXXX Balance Owed : {$340.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

to whom it may concern, the following happens, I make a report for unrecognized charges for the amount of {$3800.00} dollars with XXXX  number XXXX that Wells Fargo provided me, I waited long enough for a resolution and they sent me to say that they will not reimburse me at all, I do not understand why For this reason, if I never authorize, never sign or enter any PIN, they must improve their investigation method, the total amount of unacknowledged expenses is {$7200.00}, this amount divided into two claims because the lady who helped me with my report to the bank I forgot to put this other amount {$3300.00} with XXXX XXXX this same amount awaiting a resolution in a few more days, hoping it will be favorable, then I will tell you what happened with my debit card. 
I received a call from a friend telling me that they called her because I had her business card in my wallet and that the wallet had been found in a garbage can, right away my friend called me to talk to me and accompany me with said lady, she told me She asked us to go to her house and I went, she gave me my identification and everything I had in the bag, as soon as I saw that my debit card was also there I was very scared and ran to the nearest store to make a purchase to see if there was still money in my account and if I was able to buy and I calmed down a bit, I immediately checked my bank application and that's where I realized that they had used my card making various charges. 
without further ado for the moment I hope you can support me with this citation thank you very much
Consumer complaint received 2022-10-24
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. (GA)

To whom it may concern. 

My name is XXXX XXXX XXXX. I was checking my credit score and I noticed XXXX hard inquiries that I did not make. They were booth on the same day XX/XX/2022. One was reported by Equifax and XXXX by XXXX. 

The Equifax one was showing the inquiry done by " XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX. FL XXXX ''. I tried to contact this agency on the phone number I found online ( XXXX ) XXXX which no one answered. I research that institution online and it says that agency is closed. 

XXXX was showing that inquiry done by " XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I found their phone number and contacted them on ( XXXX ) XXXX ''. They confirmed they received the request but were investigating because they could not confirm it was really myself, they told me I was victim of fraud. They said they would stop the process right away and send a letter to XXXX and to myself. 

I contacted Equifax and they directed me to file a complaint with CFPB for fraud and send them the document. 

Someone used my information with XXXX and XXXX XXXX XXXX. I was victim of fraud. I am contacting XXXX, Equifax, XXXX, XXXX and XXXX XXXX to put a fraud alert. 

Thank you.
Consumer complaint received 2022-08-23
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)

In accordance with the 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

I applied for a car and got 4 hard inquiries for that car. I have 2 XXXX credit cards but have 3 hard inquires. Also I have Three hard inquiries that I do not recognize. XXXX XXXXXXXX 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 2021-08-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (MA)

On XX/XX/XXXX a bill was created and delivered XX/XX/XXXX to my address of around {$1800.00} and I am unaware with this bill from XXXX XXXX however the company billing this was American Coradius International LLC. The company AC sent me a letter in the mail for this amount, and I am unaware of this bill. XXXX has not made any communication with me, and my credit card report looks okay. However when I called AC I did give them my SSN.
Consumer complaint received 2022-10-06
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. (FL)

As of XX/XX/2022 XXXX reported that my account is/was 120 days late with {$52000.00} past due.I previously had this same problem with this creditor a few months prior. XXXX transfer this account to another company XXXX as of XXXX XXXX.During that time my loan was in process of a modification due to the pandemic. As of XXXX XXXX this home was paid in full. XXXX has now caused my credit score to DROP XXXX points for which has now cost me from obtaining a new home! This is a violation. XXXX  is/was no longer my service provider and has reported my account being 120 days late!
Consumer complaint received 2023-03-09
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. (GA)

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 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-03-09
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. (NC)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX