davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
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. (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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NM)

WF has an early deposit program. In this program you can receive your direct deposits up to 2 days early. This program was added to my account WITHOUT MY CONSENT. I went to my local branch to have this removed. They can't do it at the branch level so I filed a complaint and asked for it to be removed. I got a call from some guy who told me someone named XXXX would be calling me about this. I missed the call from her. She left her name and number and I called back 3 times, no one answered and no one returned my calls. I went back to the branch and filed another complaint and said if I don't hear from someone, I would seek legal help. Its been around 6 months or so and I haven't heard from anyone. I am a XXXX veteran and I have been a customer with WF for XXXX XXXX and don't appreciate being treated like this. I consider this a form of age discrimination.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MA)

My account is locked and am unable to make any transactions. The same problem had occurred before and was reported under the complaint # XXXX. The account was unlocked and I was able to make transactions until last week where again the same problem has occurred. The company is saying that the phone number is not matching the name on the account whereas my current number with XXXX has the required details. The company is now saying that they have closed the account as that's the business decision they have made. They're saying that the amount would reach to my address with no XXXX. Now, I'm concerned, if the address that they have is incorrect, whom will the money reach and how do I access my funds ( $ XXXX )? There is a big confusion on verification part as all the necessary details are/were updated in my account.
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (CA)

Hi I have multiple Complain in my credit report for Incorrect information 1- my Credit age isn't correct it shows only 4 years with XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXit's over 6 year since XX/XX/XXXXwith XXXX XXXX XXXX 

2-Synchrony bank- Ashley card i Paid the total amount {$1900.00} and I bring the balance to {$0.00} they didn't report it over 1 month and they lowered my limits for {$5000.00} to {$1900.00} and damge my credit report 3-XX/XX/XXXXXXXX it shows that I have a late payment, Which is not correct I made the payment on time and I changed my bank account and I updated in the system, and they Try to take money from the old bank account that I already close and they didn't inform me with anything about the payment until I seen it on my report! And my payment history went down from % 100 to % 99 4-XX/XX/XXXX I didn't Authorise them to run my credit and they did it without me knowing over the phone 5XXXX XXXX XXXX I paid {$2000.00} and I lowered the amount from {$5400.00} to {$3400.00} and I didn't see that have been reported It. 

6-XX/XX/XXXX auto finance, they charged me high interest rate on my car that I Finance with them and I called them to lower my interest rates because of covd19 I get effected Financially they refuse to Cooperate with me and I never missed any payment.
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

In XX/XX/XXXX, I had various online transactions that were fraudulent. As soon as I saw them on my statement in XX/XX/XXXX, I called XXXX security team to have my card canceled and file fraudulent claims on those transactions. I did receive a new card but did not receive any updates on the claims. 2 weeks later I talked to a Citi representative via chat and they also informed me that no disputes were filed and that she would file them for me. A week later after not hearing anything, I called Citi again. The representative XXXX also said that neither of the agents had filed any disputes on the fraudulent transactions. He also said that he would get the matter escalated, but I believe nothing has been done from the 3 times that I have tried to contact Citi.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (WA)

I decided to check my XXXX XXXX after not checking for many years to make sure nothing is out of the usual and saw under XXXX report, 2 hard copies from companies that I dont even know. Nor have I requested for any credit card/loan in the past couple of years. Or was ask by anyone to have credit checked. These 2 companies are below : XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inquiry shows : XX/XX/XXXX And Creditor Contact Details XXXX  XXXX XXXX XXXX XXXX, FL XXXX Inquiry shows : XX/XX/XXXX These hard inquiries are hurting my score and I would like to find out how to remove them. I never agreed for those inquiries. 

Thank you,
Consumer complaint received 2023-11-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IL)

HUNTER WARFIELD at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX or ( XXXX ) XXXX Account number XXXX {$2400.00} This Company has been falsely reporting to my consumer report since XX/XX/2020 With out my permission or written consent. Ive spoken to the original account holder XXXX XXXX XXXX XXXX. Who told me this account was considered a loss and closed out with a XXXX balance I nor the person using XXXX XXXX name on the original account owes this debt. Yet this company who can not provide me with documentation with an original contract saying that I owe them Hunter Warfield and not another companys name. The debt is not owed by me or any one else for that matter and it was closed and settled with a XXXX  dollar balance this Company bought a debt that was already written off and was attempting to collect from me illegally. I have never conducted business with HUNTER WARFIELD They are violating my rights and defaming my character. Refusing to remove it is willful non compliance with FCRA LAWS. Ive been dealing with this for a while. I want this account removed immediately from credit report. I have filed with my state attorney general and the fair trade commission on this matter.
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (GA)

I AM REQUESTING COPIES OF ALL XX/XX/XXXXDEEDS GENERATED BY XXXX XXXX XXXX XXXX  XXXX OPTION ONE XXXX OCWEN DBA PHH MORTGAGE FOR PROPERTY LOCATED AT XXXX XXXX XXXX XXXX, XXXX GA XXXX. IN ADDITION, I AM ATTACHING COMMUNICATION FROM OCWEN 'S CONSUMER ACCOUNT ANALYST WHO APPEARED TO HAVE IN DUAL ROLES XXXX XXXX  WHO'S SUBSIDIARY IS OCWEN. HE STATED THERE WERE BASICALLY NO DEEDS FOR XX/XX/XXXX. APPARENTLY, DOCUMENTS WERE DELETED FROM THE SYSTEM. 
ALSO, WE RECEIVED NO LOAN AND THE ACCOUNT NUMBER NOTED WAS SELECTED FROM A BATCH OF FRAUDULENT ACCOUNT NUMBERS PREVIOUSLY AND CURRENTLY BEING SUBMITTED TO US. THIS IS WHY THERE WAS A NEED FOR AN INVESTIGATION. NO INVESTIGATION COVERS UNCLEAN HANDS!
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am writing to formally request validation of the debts associated with the following account numbers : XXXX. XXXX XXXX. XXXX XXXX. XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, Section 809 ( b ), I have the right to request that you provide me with written verification of these debts, including but not limited to the following information : The name and address of the original creditor. 
The amount of the debt. 
The date the debt was incurred. 
Verification that I am, indeed, responsible for this debt. 
I also request that you provide a copy of any judgment if applicable, and the name and address of the original creditor. 

Please note that the FDCPA requires you to provide the requested information within 30 days of receiving this letter. If you are unable to provide the requested information, it is expected that you cease collection efforts and inform any credit reporting agencies to which you have reported this debt. 

Additionally, please consider this a formal request to cease any and all communications with me, as provided for in 15 U.S.C. 1692c ( c ). 

I request that all future communication regarding these accounts be in writing only. 

Your prompt attention to this matter is appreciated. I look forward to receiving the requested information within the statutory timeframe.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (KY)

I had struggled, for months for Truist to take off fraudulent charges on my account and kept getting harassed. They ended up charging interest for charges that werent mine and refused to take it off my credit report even when it was interest for a fraudulent charge. Even made a payment to the account XXXX XXXXXXXX, so they would stop harassing me and I never got that money back. This company is rude and unprofessional. You can definitely look at my long payment history and find I never missed a payment on anything. Also, they have never sent me any type of paperwork for the fraudulent dispute with their company. I filed a complaint with the credit bureaus only for Truist to verify the information was right on my credit report. They arent being truthful and should remove it from my account. I have always got in connect with them about the fraudulent charges.
Consumer complaint received 2023-11-28
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: U.S. BANCORP (OH)

I was surprised and concerned, as I have consistently made timely payments on this account. initially contacted US BANK ACCOUNT NUMBER ( XXXX ) on XXXX XXXX XXXX XXXX via phone call and email I explained that the late payment entry appeared to be an error and requested its removal. 
The erroneous late payment entry has negatively impacted my credit score, which has negative consequences, higher interest rates, loan denial etc...

This situation has also caused significant personal XXXX  and XXXX  to me due to its potential long-term financial implications. 

I do not recall receiving such notice regarding the late payment reported on my account, as required by this statute. The absence of this notification is concerning and raises questions about the compliance of your ( their ) reporting practices with federal law. In light of these legal requirements, I am requesting, Proof of compliance with the notification requirement under 15 U.S.C. 1681s-2 ( a ) ( 7 ), specifically evidence that your institution provided me with the required written notice regarding the negative information furnished to the credit bureau ( s ).

A thorough verification of the late payment entry. If this late payment can not be verified, or if it was reported without complying with the notification requirements, I request its immediate removal from my credit report.

My request is based on specific provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), namely 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ), 15 U.S.C. 1637b, and 15 U.S.C. 1681s-2 ( a ) ( 7 ).

Under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), as a financial institution regularly furnishing information to consumer reporting agencies, you are required to provide written notice to the customer before or within 30 days of furnishing any negative information. This notice is critical for ensuring that consumers are aware of and can respond to reported negative credit events.
Consumer complaint received 2021-10-06
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: OneMain Finance Corporation (CA)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ONEMAIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS CAPITAL ONE XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from CAPITAL ONE Inc WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (MN)

I received an advertisement in the mail from Wells Fargo Bank for an 0 % interest for XXXX months credit card. Nowhere on the advertisement does it mention that every transaction incurs a 5 % fee. I was given {$18000.00} in credit and used most of it to pay off other bills before realizing that this was actually costing me lots of money. 

I contacted Wells about XXXX days ago and they claimed the information about the 5 % fee was in some detail they sent me with the card. That may be true, but it still feels like false advertisement and a clear attempt to trick the customer. 

They refused to do anything to fix the problem and then sent me a standard email that they were working to solve the problem. I have not heard anything from them. 

.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (MO)

I found unauthorized purchase to my Direct Express Social Security card and contacted them about them. 
They sent me a letter saying that the charges I disputed were not found to be unauthorized. Therefore the unauthorized charges would be charged back to my account after they had added a provisional amount of {$720.00} to my account until their investigation was completed. 
The unauthorized charges were mad to XXXX which I have never made a purchase from. I am including a document from XXXX stating that there had been no purchase history from me on my account.
Consumer complaint received 2024-02-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo stated that they were unable to fulfill the request to include the four-digit zip code for creditors with po box addresses. The United States Postal Service mandates this information for accurate and prompt mail delivery, particularly for bill payments. I am now faced with the options of either writing checks and mailing payments to my creditors or authorizing direct fund withdrawals from my account. Neither of these options align with my preferred method, as I have historically managed my accounts by utilizing online bill payments through my checking account. 
This situation necessitates that I either incur extra expenses for stamps and envelopes to mail my payments or opt to allow direct access to my account for bill payments, both of which are not in line with my preferred method of managing my accounts through online bill payments via my checking account.
Consumer complaint received 2024-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XXXX XXXX BMW Financial Services Address RE : Demand for Account Review and Compensation for Illegal Practices Dear BMW Financial Services, This letter serves as a formal demand for a review of all my accounts with your company and compensation for any illegal practices you may have engaged in.

I am writing to express my concern about the possibility of your company trading securities on my behalf without my knowledge or consent. As a long-standing customer with multiple auto loans through BMW Financial , I have never received any form of compensation for such activities, which I believe is legally required. 
Furthermore, I have concerns regarding : Illegal Down Payments : I suspect that I have been charged illegal down payments on numerous occasions throughout my loan history with BMW Financial.

Denied Credit Extensions : Despite being a high-value client with multiple loans, I have been denied credit extensions on multiple occasions.

To address these concerns, I demand the following : A comprehensive audit of all my accounts with BMW Financial : This audit should include a detailed breakdown of all charges, fees, and interest accrued, as well as any trading activities conducted on my behalf.

A full statement for each of my accounts : These statements should clearly outline the loan terms, payment history, and any relevant details regarding potential trading activities.

Compensation for any illegal practices : If the audit reveals any instances of illegal down payments or unauthorized trading, I demand full compensation for all associated damages.

I value my relationship with BMW Financial and would like to maintain a positive business association. However, I will not tolerate any unlawful practices that affect my financial well-being.

I expect a prompt response to this letter, outlining the steps you will take to address my concerns and fulfill my demands. I am available to discuss this matter further at your earliest convenience.

PER XXXX  XXXX  Code Title 40 - Motor Vehicles and Traffic XXXXXXXX XXXX  - Certificates of Title, Security Interests, and Liens Article XXXX - Security Interests in and Liens on Motor Vehicles XXXX. Perfection of Security Interests Generally Sincerely, XXXX XXXX
Consumer complaint received 2024-02-18
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Adjusters, LLC (VA)

National Credit Adjuster

are stating an unknown account I never had is mine and is unable to provide proof. This maybe from fraud that happen back in XXXX this account doesnt belong to me. That didnt send any notification. They are harassing me with threats.