davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
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. (PA)

Great, here is the revised letter with the information added : Dear Equifax, XXXX, and XXXX I am writing to dispute the account information related to my XXXX account, as it contains inaccuracies and discrepancies. The information provided by your credit reporting agency regarding this account does not accurately reflect the payment history and status. I request a thorough investigation and correction of the following discrepancies. 

XXXX : According to XXXX 's report, there are six potentially negative months associated with the XXXX account. The account is shown as closed, with a charge-off status and a balance of {$0.00}. The report indicates multiple past-due amounts, including 30, 60, 90, 120, and 150 days. However, the data regarding past due 150 days is unavailable. The status is listed as closed with a {$310.00} write-off. The last payment date is reported as XX/XX/XXXX, which contradicts the reported charge-off status. This discrepancy requires investigation and clarification. Additionally, I would like to add that the first payment date was in XX/XX/XXXX, and all payments were made until XX/XX/XXXX. There was a XXXX late payment in XX/XX/XXXX and XXXX full payments in the following months, except in XX/XX/XXXX, when there was a XXXX late payment. After XX/XX/XXXX, all payments were late, leading up to a 150-day late payment in XX/XX/XXXX and a charge-off status in XX/XX/XXXX. 

Equifax : Equifax 's report for the XXXX XXXX XXXX account indicates one late payment in XX/XX/XXXX. The account is shown as closed with a charge-off status and a balance of {$0.00}. The status was updated in XX/XX/XXXX. However, the report does not provide information on the highest balance. The discrepancy between the reported late payment and the charge-off status requires investigation to ensure accurate reporting. Additionally, I would like to add that the first payment date was in XX/XX/XXXX, and all payments were made until XX/XX/XXXX. 

XXXX : XXXX 's report for the XXXX account shows a closed account with a charge-off status and a balance of {$0.00}. The account type is listed as a revolving account, and there is no payment history available to display. The status was updated in XX/XX/XXXX, and the highest balance is reported as {$2000.00}. However, the discrepancy lies in the absence of payment history and the charge-off status, which needs to be resolved. Additionally, I would like to add that the first payment date was in XX/XX/XXXX, and all payments were made until XX/XX/XXXX. 

I kindly request that you conduct a comprehensive investigation into these discrepancies and rectify the inaccurate information on my credit reports accordingly. Please provide me with a written confirmation of the investigation results and any corrections made to the account information. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-18
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: Fidelity National Information Services, Inc. (FNIS) (GA)

Error on consumer checking account screening report. I am requesting a correction of the following information that appears on my ChexSystems consumer report : Dispute : Source of Information : XXXX  XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX  XXXX XXXX XXXX, GA XXXX Reported SSN/ID : XXXX Drivers License : XXXX State : GA Date of Closure : XX/XX/2021 RTN/ACCT # : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/2021 I am requesting negative inaccurate information to be removed from Chexsystems or any other consumer reporting company containing information that is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ) XXXX  XXXX XXXX is in violation of my rights. To my knowledge, I have never had owed money to XXXX  XXXX XXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. 

Specifically, I am requesting full validation from XXXX  XXXX XXXX including copies of any documentation associated with this amount owed which bears my signature. 

In the absence of such documentation, I request that this negative report be permanently removed from my ChexSystems report. 

I have attached documents to verify my identity
Consumer complaint received 2022-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

U S DEPT OF ED/XXXX Account XXXX XXXX U S DEPT OF ED/XXXX Account # XXXX Accounts have been reported has violated my rights 15 U.S.C 1681 section 602 A. which states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions Furthermore, On XXXX, XXXX 2022, TransUnion Credit Bureau has replied that the above accounts has been reported as " Verified '' but did NOT PROVIDE any PROOF how it VERIFICATION FOR ACCURACY or written authorization to report personal information. 

Information is incomplete, inaccurate, and must be verified or must be removed.
Consumer complaint received 2022-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (IL)

I'm working with HUD certified agency XXXX XXXX XXXX. My sale date is XX/XX/XXXX. On XX/XX/XXXX I was told by lender that I'm not eligible for Loan Modification because application was suppose to be submitted 37 days before sales date & I requested a Deed In Lieu over the phone on XX/XX/XXXX & I was by XXXX told that XXXX XXXX XXXX option will be reviewed as long as the request and application is received 10 days before sale date.On XX/XX/XXXX Application was received when I spoke with XXXX XXXX. On XX/XX/XXXX We spoke with XXXX XXXX and he said application was incomplete but wasn't able to explain and the department would mail the reason for incomplete and wouldn't explain over the phone. On XX/XX/XXXX We spoke with XXXX XXXX and said no updates and application for Deed In Lieu is under review and was told to call back in a couple of days.On XX/XX/XXXX after being on hold for a while system requested that I leave a voicemail for a call back, I never received it. On XX/XX/XXXX we spoke with XXXX XXXX and told me application was terminated on XX/XX/XXXX because my application should have been submitted 37 days before. I want to do a Deed In Lieu, please help me!
Consumer complaint received 2022-06-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (IA)

Today XX/XX/XXXX at XXXXXXXX XXXX I was picking up my room and found a debit card issued by XXXX XXXX XXXX, which is linked to my PayPal business account, under my bed. In the past few weeks I have had fraudulent activity on my personal bank account so I called PayPal customer service " ( XXXX ) XXXX '' to see if I could gain access to my account so I could log in and check the transaction records but was told that they could not do that because of some restriction I did however convince the first representative I spoke with to verbally give me some transactions on my account and I noticed ; as she was telling me the transactions on my account, that there were for sure TWO ATM withdrawals and 2 deposits that I did not make OR AUTHORIZE myself. One transaction was for {$160.00} on XX/XX/XXXX the other was for {$200.00} which occurred on XX/XX/XXXX I understand and realize that these transactions happened more than 5 years ago, but I lost access to the email and phone number associated with my PayPal business account around XX/XX/XXXX, so I wasn't able to monitor the transactions that were taking place on my account. Otherwise I would have brought this to their attention much sooner so that this could get resolved. While speaking with them I was repeatedly transferred for no apparent reason other than to get me off the phone, I was hung up on twice, and ultimately I wasn't able to update my phone number or email address on file with my account so that I can access my online transaction records without having to call customer service for help, which they were none of! Seeing how PayPal business accounts and debit cards are covered by the FDIC I assumed that I would get a refund or at least an account credit to resolve the issue since it was a transaction not authorized or done by me. The ONLY person legally allowed to authorize transactions on this account. 

My name is XXXX XXXX and I can be reached at ( XXXX ) XXXX or XXXX.
Consumer complaint received 2022-06-18
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. (NC)

In accordance with the Fair Credit Reporting Act, 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 2022-06-18
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: Experian Information Solutions Inc. (CA)

I RECEIVED MY CONSUMER REPORT AND FOUND MANY INACCURACIES AND I WANT YOU TO DELETE THEM OFF MY CONSUMER REPORT IMMEDIATELY, LISTED BELOW ARE THE INACCURATE ACCOUNTS. 

XXXX XXXX BALANCE XXXX $ STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ) XXXX XXXX BANK XXXX XXXX $ XXXX CLOSED, ACCT # ( INACCURATE ) XXXX, LAST PAYMENT ( XX/XX/XXXX ) ( INACCURATE ) ( XX/XX/XXXX ) OPEN DATE, LAST REPORTED ( XX/XX/XXXX ) ( EXPERIAN ). 


XXXX XXXX XXXX XXXX XXXX $ STATUS CLOSED ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( INACCURATE ) ( XX/XX/XXXX ) ( XXXX ).
Consumer complaint received 2022-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (FL)

There was fraudulent charges to my Avent account that I never received a card to so Ive never actually used. The fraudulent charges have all been verified by avant to be fraudulent and credited back to the account, but it took months. The fraud department also credited back only one month of late payment fee for the fraudulent charges. 
Even at this point I have never once used a AVANT card. 

I get emails text messages phone calls mail daily on my Bill they say I owe. Which is the late payment fees and the interest all from the fraud charges. 
The avant account people say the fraud department has to deal with it the fraud department says they cant even look at the account- it Has to be dealt with through Avant people they just push it to the other department nobody will do nothing for months and months and months now. 


I have contacted Avent so many times that they say they can not no longer escalate this issue. Even though theyve escalated the issue is supposed to have looked at it several times nobody from the escalated team has contacted me -never once have they contacted me back to ask questions about this they just claimed theres been no error. when I email the fraud lady that I was dealing with with my case she just emailed me back that she already told me that she can not assist me They are claiming I owe {$100.00} Which is the exact amount they charged for late fees and interest on the items found to be fraud I am not responsible to pay late fee and interest on items that were found to be fraudulent they will not listen As Ive stated several times I have never once use this car there are no other transactions other than the ones that were all found to be fraudulent and credited back to the account the only thing theyre claiming I owe is {$65.00} in fees charged for late payment and {$43.00} in interest on purchases but theres never been a purchase
Consumer complaint received 2022-06-18
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)

In XXXX, XXXX I submitted a FTC REPORT due to my credit file being impacted by the Equifax Data Breech. Disputes along with the FTC REPORT were mailed off to XXXX, Equifax, XXXX and as of Today XX/XX/XXXX. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed XX/XX/XXXX : Account number : XXXX, This account was unauthorized. Can you delete this ASAP and send me and update. 
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. I see this account is still not remove. Please delete. 
XX/XX/XXXX XXXX BANK XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. I see this account is still not remove. Please delete. 
XXXX - XXXX : Account number : XXXX, This account was unauthorized. I see this account is still not remove. Please delete.XX/XX/XXXX XXXX XX/XX/XXXX| XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX OF XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and updateXXXX XXXX XXXX XXXX : Account number : XXXX, This account was unauthorized. I see this account is still not remove. Please delete.
Consumer complaint received 2022-01-26
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: Experian Information Solutions Inc. (TX)

On XX/XX/2021 I submitted a Validation Request to Experian, XXXX and XXXX with a copy of my license and proof of address on the following accounts listed below that are showing on my credit reports. I submitted the request because I am not aware of where the original debts came from and if they are mine. Some of the accounts reporting don't have complete account information as well. Then after not receiving a response 30 days later I re-submitted the letter dated XX/XX/2021. Now 60 days later I have yet to receive a completed investigation response from all 3 Bureaus. However, from XXXX Particularly I received a response which I have included for your reference stating they believe I hired a third party that is not authorized such as a " credit repair company '' or " credit clinic '' and therefore they will not process my requests, this is Ridiculous!! 
1 ) It's none of their business and or against the law!

2 ) There is NO law that states a consumer can not use a third party, so using that as an excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why their statement is so shameful. 
3 ) It is a Stall tactic. How can they assume that and or prove it and I know my consumer right and I know what the FCRA states and I wrote those letters myself they are just typed not handwritten! 

Accounts in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I would also like to add I have submitted a copy of my driver 's license, but it is not up to date on my new address, and I will be updating that today. I did include a page of my bank statement as proof of address. 

Thank you for your time and investigation.
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/2022 My husband and I received an email from our joint Capital One Bank, indicating that they are immediately closing our checking and savings account due to inconsistant activity, with no other explanations. They sent the email addressing it only to my husband, letting him know that he is allowed to open a new account, but his wife is not. 

Do you know how that makes me feel? Like I did something wrong? My husband and I have been married for over 30 years and we always had a joint checking account. I took care of all the bills, the kids and cooking and cleaning. The blindsided us with this because there was nothing wrong with our account. I am currently a XXXX XXXX, and my husband is a XXXX XXXXXXXX, who has a direct deposit every other Tuesday of {$1700.00} or more. by them closing our account they put a hardship on us, where we can't open another bank account anywhere. We have a capital one credit card that we set up with automatic payments that was rejected, and his direct deposit didn't go thru as well. now I can't pay my bills and we have no money because the deposit got sent back. 
There was nothing wrong with our account I want them to pay for this. They wuill not give me an explanation to why and they put something in our records that lets other banks know that we can't open an account.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PINNACLE FINANCIAL PARTNERS, INC. (NV)

i was rushing to get a outfit for a business meet from clothing store named XXXX i thought i activated my business credit card, so it flag the system i try to call them to let them know that i try to make that purchase now my account been frozen for a month now i cant get ahold of anyone.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (CA)

I have not used a USBank credit card for years and I have tried to close the account numerous times by telephone and email. The last contact was a telephone call on XX/XX/XXXX, when I actually talked to a real person who said she would close the account. I just received an XX/XX/2022 statement indicating I owe a balance of {$26.00} because they charged me a fee of {$20.00} and a past due fee of {$6.00}. 

We paid the previous invoices ( {$67.00} in total fees charged in 2022, but no purchases ), although we kept trying to close the account, just to preserve our credit rating in case their robot talks to the credit rating agencies robots. 

Why do I have to complain about a spurious {$26.00} bill? A friend told me he fought the same battle for years and the fees keep coming and adding up.
Consumer complaint received 2023-08-08
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: GOLDMAN SACHS BANK USA (GA)

To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 

I await your response.