davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I put a check in my neighborhood mailbox on Sunday night @ XXXX XX/XX/XXXX, On Monday I went online to my citizens checking account and saw that the check had been altered with a new name and amount XX/XX/XXXX. The check was cashed and cleared on XX/XX/XXXX Moday. This was less than 24 hours after I mailed it. I immediately called and visited Citizens Bank and they have opened. Claim to try to recover the funds. I was told that they assume no responsibility if the funds arent recovered that its the USPS fault. I asked how and why they would cash a check and transfer funds without any identification and they had no answer except it happens all the time. I mentioned what gives them the right to take {$6000.00} from me without verification and again silence. The claim number is # XXXX. Citizens Bank. I live in RI. I was under the impression that I was insured and they would have safeguards for fraud like this.
Consumer complaint received 2024-02-13
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: OneMain Finance Corporation (GA)

I called to request a loan for XXXX. I was told to come in office with proof of income, identification and etc. After giving these documents I was told that I didnt make enough money to get the loan. A few days later I was called and the lady told me she could get me approved for a cash loan of XXXX, but she would have to verify where I stayed and asked me to call my insurance company for proof of insurance of my car. Unsure of this I did it thinking it would approve my chances. Once everything was said and done I made a few payments and fail behind. Only to be threatened with my car be repossessed in which I wasnt informed that my car was being used for collateral on their website it does not state this and I applied for a personal loan not a car title loan. As of XX/XX/year> my credit report shows that is has been charged off in the amount of XXXX. How did a XXXX personal loan turn into XXXX? How was I even approved for a loan without meeting the income requirements? Why was I not told that my loan required a lein?
Consumer complaint received 2024-02-12
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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 XXXXXX/XX/XXXX
Consumer complaint received 2016-09-13
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

Several years ago, when my children were very young, I lost my job a the XXXX because of a RIF, ( Reduction in Force ). We had already moved to a larger house and I was trying to sell the older, smaller home when I was laid off. I fell behind on the payments. The Bank was not happy, but I worked out an agreement to catch up the payments, ( borrowed money from family ) and the Bank sent me a letter. That letter said I had to catch up the past due payments in full by XXXX XXXX, 1992 for {$2700.00}, which I did. I have the letter and the Bank receipt. I soon found a job and I put the house up for rent as started making the regular payments again the very next month. 
Well, what I did not know at the time, was that the Bank, XXXX, had been acquired by XXXX XXXX, later to become Wachovia, and then Wells Fargo. Whoever it was, they refused to acknowledge the written agreement set forth in the letter that they sent, returned my check and started foreclosure. I had a significant amount of equity in this property and for whatever reason, they continued with the sale of the property on the steps of the XXXX County Courthouse. When I got advanced notice by certified letter, that forced me into a Bankruptcy. Well, that did n't stop them. They sold the property on the County Courthouse steps anyway. And too bad for them that Federal law trumps State law, they had to reverse that sale. It was ugly. 
The Bank was not happy. I was now dealing with XXXX XXXX, one of the biggest Banks in the country and they were extremely hostile. When I came out of my Chapter XXXX payment plan 3 years later, they went right back to their old ways and refused to make a proper accounting of my loan balance. They could n't. They had lost control some how. They refused to acknowledge the correct balance. Enter my second Chapter within months of my first Chapter being discharged. That too has been discharged. I pay my debts if given a chance. 
In my view, I had a written agreement with the Bank to bring my payments up to date. I met the terms of that written agreement. I still have those documents. I can not begin to explain the problems this has caused for me and my family. I believe it was a fraud and an attempt to make a quick sale of my property because it had a significant amount of equity. Because I was forced into XXXX Bankruptcies, this has cost not only time and money but also in my ability to gain adequate employment. 
I tried years ago to sue the Bank for this Fraud but there was nobody willing to take on a major Bank, until now.
Consumer complaint received 2024-03-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC (PA)

Representative of Rocket Mortgage, XXXX XXXX contacted me regarding refinancing mortgage subsequently submitted application ro which he emailed I was approved. Another request was made for recent paystubs which I provided for 1st 2 weeks of new job along with 2023 W2s. To this date I have not heard back from Representative. He said application was ready for signing and I've called and emailed daily for 2 weeks without success. I am very dismayed and no not what to do. 
Thanks
Consumer complaint received 2024-02-12
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (TX)

I leased a XXXX XXXX XXXX Paid the lease payment 's on time every month for three years. Start having issues with starter fixed it. Next day after getting car from Shop. Head gasket blew. warranty was expired because mileage overage. Car was on hold @ the mechanic lost job during time of waiting on car repair and parts. Didn't have financing to retrieve the car.
Consumer complaint received 2024-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of nay information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM*******
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I discovered in XX/XX/2023 that inaccurate transactions between a financial institution and consumer which is nonpublic personal information was furnished on my consumer credit report and without my written consent. I have filed an FTC report.
Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I discovered that this information from XXXX XXXX Inc had been reinserted into my credit file after previously being deleted. I was not contacted by the Credit Reporting Agency, Equifax nor had I received any correspondence within the 5 days as stated in the FCRA. I have since sent in proof of deletions and reinsertion to Equifax prior about this account and it was deleted yet again on XX/XX/XXXX then reinserted today. Attached are screenshots of my credit report on 3 separate days showing that Equifax is guilty of reinserting this information
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have called and disputed online the incorrect addresses that continue to show up on my credit report. I have reported these inaccuracies with no resolution. Under FCRA 15 USC 1681 as a federally protected consumer I have a right to fair and accurate information. The following addresses need to be removed from my report as they are non mailable. Additionally as a victim of identity theft more than once and the data hacks that have occurred at all of the credit agencies it is imperative that the only thing listed in my credit file be current information. I know that the credit agencies obtain information from their affiliates and other 3rd parties like themselves but it is my right to say what can and can not be listed on my consumer report. The following addresses need to be removed 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 XXXXXXXX again these addresses are non mailable and I have a right to fair and accurate information. Additionally the only name that should be listed in/on my credit file is XXXX XXXX XXXX Any other variation is not permitted nor authorized by me.
Consumer complaint received 2024-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MO)

AIDVantage withdrew money from my checking account without permission. The transaction was reviewed and the money was returned. I hadn't given them my bank account information and there was supposed to be an onramp to payment.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance to the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX Balance {$28000.00}, XXXX XXXX XXXX XXXX Balance {$14000.00} has violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told XXXX, XXXX, and Equifax to reinvestigate the above listed accounts : 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. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 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 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

This is the second complaint I have filed against XXXX. 

I am a full XXXX XXXX XXXX class member. As a full XXXX XXXX XXXX class member who is in the the automatic discharge group. I was due total and complete relief by a federally imposed deadline. Please know what I just said a federally imposed court deadline of XX/XX/XXXX. This is not my deadline. This was a deadline that was imposed by a federal court. This is verifiable by legal documentation I am enclosing with this complaint. Full relief entails discharge of all of my student loans, removal of all student loan data from my credit reports, and refund of all monies paid to any service or including prior service servicers at the time of this writing, XXXX has done nothing. In fact, XXXX has fought my complaints. And verified information to the credit bureaus after the relief deadline in blatant violation of the settlement Furthermore, they have updated my student loan balance with interest increases after the settlement deadline. They are destroying my credit. In fact yesterday my XXXX XXXX score dropped XXXX points Soley because of the interest increase on the student loan they are not supposed to be reporting. They must remove these accounts from my credit report. There is nothing to discuss. There is nothing to debate. They have no discussion they have no excuse. There is nothing up for debate. I am a full class member I have proof I am a full class member I have the settlement documents. There is nothing to discuss. They were required by XXXX XXXX to remove these accounts they failed to do so. I am demanding you get involved you force them to remove these accounts. From my credit report, because they are reporting them in violation of the law to my detriment. This is unethical. 
As they knew, I was a XXXX XXXX XXXX member as they put me in for a XXXX as a result of this settlement. They were aware of the deadline and chose to ignore it. Furthermore, I have received a federal job offer. This job, Offer requires a background investigation. This background investigation requires a credit check. The erroneous information XXXX is reporting causes me to appear as a liability. XXXX may cause me to fail this investigation. They have been aware of this for months because I informed them of writing of the possibility I may receive this job offer. I received the offer on XX/XX/XXXX. The harm I am suffering is no longer speculative. Its real. Its present. You must uphold the law you must force them to remove this information. They were required to remove these loans from my credit report by XX/XX/XXXX. They failed to do so. There is nothing else to discuss. I am not subject to any other lawsuits currently pending or surrounding borrower defense they can not use that as an excuse. XXXX XXXX XXXX is a settled federal lawsuit. I have attached the full text of the lawsuit as well as my notice. Thank you.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (SC)

I have been battling Equifax for the past 3 years about this on going issue with them not providing me my credit report. I have attempted several times through annual credit report to obtain the information on my file that Equifax has with no resolve. I have received correspondence from them at the address they state they can not send my information to. I get on the phone with their customer service representatives and verify all information about myself/ identity and still the same results. At this point I am ready to pursue litigation. The representatives have admitted that my identification documents have been received yet they still fail to provide me with the consumer reports that I am entitled to receive. Furthermore I am a person that was affected by their largest data breach and they still wont comply with what they said they would do. This is not the first time that I have made this complaint through CPFB. As a federally protected consumer my rights are being violated continually. If I am not able to obtain my credit report how can I verify that what is being reported is accurate? Why should I have to pay a 3rd party vendor to receive a report that is supposed to be free and may not contain everything they have listed. The FCRA 15 USC 1681 makes it very clear that I am allowed access to my information they have stored, that they report. Additionally, as a victim of identity fraud caused by family members and others I am not going to send in copies my personal identification or social security card again when it has been verified they have it on file already. Also they have repeatedly refused to change the incorrect variations of the spelling of my name in their system. The only name that I want on my credit report is XXXX XXXX. No other variations, especially since they have had data breaches.
Consumer complaint received 2024-02-11
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. (MS)

Viewed the credit report and it shows that the XX/XX/year> payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/year>. A payment is {$250.00} was paid on XX/XX/year>, at XXXX am confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/year>, at XXXX am confirmation number XXXX. Called XXXX and spoke to a supervisor at XXXX XXXX, he verified that the payments were made correctly and documentation would be made on the account. A total of {$510.00} was made for the month of XXXX. They fixed the problem and reported it current and when I checked it today they changed it back 30 days late when it was not 30 days late. If this error does not get fixed I will get my lawyer involved. On XX/XX/XXXX, it showed correctly on my credit report now in XX/XX/XXXX its showing incorrectly.
Consumer complaint received 2024-02-11
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. (AR)

i am a natural person, i am a livng human being. i have right under 15 usc 1681 XXXX  is goven by 15 usc 1681. and they violated my right numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 i have the right to privacy I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-02-11
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.