davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Albert Corporation (NY)

I received an email saying that I can receive an instant XXXX dollars for finishing up my sign up session. After I finished signing up, I waited to receive my XXXX dollars and when I didn't not I reached out to customer service and they gave me misleading information The fine print does not state any extra requirements for receiving this XXXX bonus other than finish signing up and I fulfilled that requirement.
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BOK FINANCIAL CORP (TX)

I was activated with the XXXX XXXX XXXX in XX/XX/XXXX for COVID-19 pandemic. When I completed my service, I needed to update my XXXX rating with the county tax board. While I awaited confirmation from the county, BOK Financial paid the taxes that were eventually exempted. BOK added the tax amount to my account and an escrow that increased my payments, even thought the county exempted my taxes. Since XX/XX/XXXX, BOK has added multiple fees and overcharges to my account totaling over {$13000.00}, issued multiple negative reports to my credit and have since issued a notice of foreclosure to my residence.
Consumer complaint received 2024-02-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (NC)

I had been using my Wise account to sent money to Spain and had been successful. I tried to transfer money to buy Crypto and Wise discontinued my account. They allege they can not tell me why. 
Now I can not open my account so I have no way of knowing if I have money there or not.
Consumer complaint received 2024-01-23
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)

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history, and I appreciate your prompt attention to this matter. 
I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX  ) XXXX Balance : {$470.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX : {$67.00} XXXX XXXX XXXXXXXX Balance : {$53.00} XXXX XXXX  XXXX Balance : {$190.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2200.00}
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Good day. I am resubmitting this complaint as a follow-up to my previous complaint dated XX/XX/XXXX. I want to ensure that the items I am requesting to be removed, as listed in my last and present complaint, are expunged from my credit report before the end of the next 15 days. As I am scheduled to update my credit reports on that day, I am re-attaching my FTC report with reference # XXXX & XXXX. Here are the items I want to follow up for removal per bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

My information was sold and bought illegally because I was a victim of the Equifax data 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 this 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-23
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. (GA)

This is an ongoing issue : Per XXXX XXXX XXXX XXXX : A cease and desist was placed on your account effective XX/XX/XXXX. Once the account is paid full, XXXX will release XXXX XXXX  security interest in the vehicle. 

This issue is ongoing. In my Validation letter, a cease and desist was put in place in order to stop collection of any payment until the auto loan was properly Validated and sent to me. XXXX XXXX XXXX has not honored that portion of my letter. They have made Late payment remarks on my credit report to all XXXX Credit Bureaus which has severely impacted my credit. I initially told XXXX XXXX XXXX that I was involved in a car accident as a passenger and the random confirmation numbers that was provided by XXXX XXXX XXXX was given to me by their phone Representative ( XXXX ) in a recorded conversation, stating that due to my accident and how XXXX saw that I got my account back current in XXXX of XXXX, that they would remove the remark. The confirmation numbers they gave me IS NOT my contract number. I have my contract number so, I'm not sure why XXXX XXXX XXXX is saying that that is my account number and that is false. The contract number that I received from them is an invalid number and it is not mine. I sent a Validation Letter asking XXXX XXXX XXXX to provide me with my contract and as of now, they have yet to provide me of the info that I have requested/needed. During the time of this Validation process, my credit score went from a XXXX to now a XXXX and it's all because I need to validate if this loan belongs to me. I have never been this severely impacted by an entity that I didnt sign on with, in my life. The Payment History needs to be removed from my credit report. A payment was made XX/XX/XXXX after they sent me a letter threatening to repossess the vehicle while I am awaiting for XXXX XXXX XXXX to send over Validation. This situation has brought my credit scores down while I'm working towards homeownership. XXXX XXXX XXXX knows I've been making overly consistent payments until I needed proof of Validation. That's why a Cease and Desist was in order, to prevent this sort of thing from happening while Validation is ongoing at the time. It appears as if XXXX XXXX XXXX honored parts of my Validation letter and not ALL of the Validation Letter I asked them to Please Validate who they say they are. As of yet, I have not received any Validation from them beside a letter where they state they can not provide Validation at this time. But, XXXX XXXX XXXX continues to want my payment and threatening to repossess the vehicle.
Consumer complaint received 2024-01-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC. (GA)

I applied for An Extension Of My credit as the true creditor. I was Falsely denied My Extension of Us Cod 15 1611 & 12 US Code 1411.I stated that false and misleading if ones own credit is Illegal. I asked to speak with the underwriter and they also denied me. I asked for a copy of my Credit Application they didnt comply. This matter has held up the growth of my business and more. After I was denied, ask request that they remove the hard inquiry from my credit report, because a hard inquiry is considered a transaction for one extension of credit I didnt receive. I also ask.
Consumer complaint received 2016-05-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (CA)

XXXX XXXX sent me a {$40.00} reimbursement check on XXXX XXXX, 2016. I notified them to mail me a check since Citibank account was closed. Instead XXXX told me that they put it back on Citibank account. Both Citibank and XXXX said they do n't have the money. XXXX said sent to Citibank. They said they never received it. My Citibank account was closed by the Branch Manager on XXXX XXXX, 2016.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2024-01-23
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 just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-23
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX LEALAND XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX Balance : {$9.00} XXXX XXXX  XXXX Balance : {$53.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX {$39.00} XXXX XXXX Balance : {$11.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX BV XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX : {$16000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2016-11-29
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Santander Consumer USA Holdings Inc. (LA)

I attempted to contact Santander Consumer and XXXX XXXX XX/XX/XXXX about accounts I had with them. I wanted them to send me information on when the account was opened and paid off. I contacted them via mail and sent a certified letter. I gave them 30 days to respond. No response. Contacted XXXX about the situation and asked them to remove the debts. It has been over 30 days and no response from XXXX and I sent them a letter certified as well.
Consumer complaint received 2016-07-08
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (LA)

Santander is reporting incorrect payment history, incorrect balance, as well as, account status with all XXXX credit bureaus. I 'm submitting this complaint because although Santander has been notified to conduct a through investigation they have not and continue to willingly report incorrectly.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

am writing to dispute multiple " paid in full '' accounts on my credit report as I understand it, these accounts should not negatively impact my credit since it has been fully paid. As part of the agreement these paid items were agreed to be removed as paid in full. 
I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. Reporting a " paid in full '' account as negative or derogatory creates such a misleading impression about my creditworthiness. Due to this XXXX has also broken 15 U.S. Code 1681n - Civil liability for willful noncompliance.
Consumer complaint received 2024-01-22
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. (GA)

Equifax has seriously damaged my credit score, credit and drop me XXXX points and have XXXX Soft inquires on my credit report that I did not Authorized Equifax to do. I have monthly. daily soft pulls and Automated consumer interview system on my report Equifax has XXXX Automated consumer interview system pulls in XXXX. 
Equifax has XXXX Automated consumer interview system pulls in XXXX. 
XXXX XXXX XXXX HAS XXXX soft pulls in XXXX I have not given XXXX of these companies Authorization to do this and I want it to stop.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (MN)

On my credit report, XXXX, Ford Motor Credit Company, account number XXXX XXXX XXXX, XXXX, NE XXXX. 

My account was charged off for {$12000.00}, but my credit report is stating the full amount {$20000.00}. I opened the account on XX/XX/2015.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Delinquent/Derogatory payment with XXXX XXXX XXXX for the month of XXXX or XXXX of XXXX  ), showed on my credit report with all 3 bureaus ( XXXX, Equifax, XXXX ). 

Request made to XXXX for correction. 

Received phone call from XXXX that adjustments had been made and letter was sent to credit agencies directing them to delete the account. 

Received copy of letter XXXX sent to credit reporting agencies ( via USPS ).
Consumer complaint received 2024-01-22
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. (LA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I disputed account information with this creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX citing incorrect information being reported. The account showed as Charged Off on two of my reports and continued to report as late ( XXXX and Equifax ). The vehicle was repossessed on XX/XX/XXXXXXXX  and sold at auction on XXXX at this time I never received a Notice of Sale nor a Notice of Deficiency Balance. I asked XXXX and Equifax to investigate and the action took more than 30 days and a proper investigation was not completed. My XXXX  complaint was answered in the proper timeframe but at that time the creditor illegally re-aged my date of last activity AND did a hard pull that resulted in an inquiry. As of XX/XX/XXXX, my Equifax report shows the date of last activity to be XX/XX/XXXXXXXX  and my XXXX report shows the date of last activity to be XX/XX/XXXXXXXX  although they continue to mark my account as late on my XXXXXXXX XXXX XXXX XXXX Comments are listed as Repossession, however, on Equifax the payment history for the last 2 years ( XXXX XXXX XXXX XXXX is listed as XXXX XXXXXXXX XXXX services failed to accurately report information across the credit bureaus and the bureaus failed to properly investigate the same. Further, following the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 
Unfortunately, my files are too big to attach here, however, I have attached a few screenshots of relevant information and am happy to provide more details in another venue.
Consumer complaint received 2024-01-22
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. (MN)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Ive filed disputes with all Experian XXXX  XXXX  requesting time remove inaccurate info on my credit report and they have failed to do so! Ive submit proof that XXXX XXXX XXXX and XXXX collections is reporting inaccurate information on my credit report. All there is 13 hard inquiries that needs to be removed due to the fact I never received credit from companies nor applied with companies.