davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Michigan  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative information currently listed on my credit report. I believe that there are a number of errors that need to be corrected as soon as possible. 

Bankruptcy XXXX XXXX - Discharged Case Number : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file. 

XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. DEPT OF EDUCATIONXXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete these accounts from my report completely. 

XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX ( x6 ) I have no recollection of authorizing these credit pulls and I demand they be removed. 

I appreciate your prompt attention to these matters and look forward to seeing the necessary corrections made to my credit report. Please inform me in writing of any changes made to my credit report as a result of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Consumer complaint received 2022-07-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

After receiving a copy of my credit report, I discovered the following errors, which are detailed below. In line with 15 USC 1666b If a creditor has not adopted reasonable procedures to ensure that each periodic statement includes the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date, the creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
In violation of 15 USC 1681b, I NEVER issued the credit reporting agency or any other company a formal order to provide any information for my consumer report. Due to its harsh and unethical actions, Credit Reporting Agency has put a great deal of stress and anguish on people. 
You, XXXX, XXXX, and Equifax ought to feel guilty for having ACQUIRED this position and responsibility in order to routinely defraud consumers and hurt their interests! 

It is improper to list these accounts with late or missed payments. The following accounts should be marked as PAYS or PAID AS AGREED because they were NEVER past due. 

XXXXXXXX XXXX Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments. 

XXXX XXXX  Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments. 

XXXX XXXX  XXXX Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments. 

Pennsylvania XXXX Since I never missed a payment on this account between XXXX through XXXX, please update the status to Paid/Current. 




I demand that these issues be looked into and taken off my report in accordance with the Fair Credit Reporting Act. Additionally, I demand that you give me all supporting documents and hard proof that I am or have been late. 
I believe you will double-check these things with the creditor who posted them. 
Any information that the creditor can not verify should be removed. I am aware that you have 30 days from receiving this letter to complete this reinvestigation in accordance with 15 U.S.C. Sec. 1681i ( a ).

Send me a revised copy of my credit report with the desired modifications, please. 

Sincere regards, XXXX : XXXX { XXXX } Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2022-06-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (CA)

On XX/XX/XXXX I had a notice of default filed against my property by this company XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Ca XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX. They have several names, addresses and phone numbers but all tied together. Some of their contact numbers are XXXX, XXXX and XXXX. So they filed this NOD and demanded {$5000.00} down. They then said they could do a loan modification agreement or continue with the foreclosure. Now keep in mind this came out of nowhere when I was having severe financial challenges and my brother was dying. But they didn't care, they were just money hungry and they pretended as if they own my house, wow I've been here since XXXX. Their approach is bad, bold, bullying and threatening. Because they are a so called foreclosure company, I guess that's their brazen way of doing business. So we did a loan mod I paid the {$5000.00} and balance was agreed to {$45000.00} for 8 years and $ XXXX  monthly. But the owner comes to me a few years later and says the full balance is due. I had started paying but ran into some financial difficulties with my brother passing. I end up filing a XXXX XXXX and was approved for a payment plan by the trustee. I got behind with this FCI company and they filed another NOD XX/XX/XXXX while I was in an open XXXX, was that legal to do so? They hounded and threatened foreclosure if I didn't pay them {$12000.00}. I started paying again and paid {$3200.00} to catch up and supposedly modify because the loan came due. Just all over the place with time of this loan which was for 8 years. My real issue is where {$31000.00} when to? I'm trying to satisfy this nightmare lien this month and they said the payoff is still {$35000.00}... how is that? I would like to know if they can legally charge me {$15000.00} for interest before they acquired the loan, {$1500.00} for accured interest, {$1300.00} for late charges, {$4400.00} for charges prin pmt ( what the  XXXX  is this fee ). I was told that I'm supposed to pay for FCI attorney fees. You see how this company is no mercy, no soul and just ruthless about money for their advantage. The XXXX with the real owner of the property, which is XXXX XXXX XXXX. I want to know if they followed all the Califonia laws in charges, collection and applying my money to the {$45000.00} agreement.
Consumer complaint received 2020-05-23
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2020 we made a deposit for a vacation rental through Home Away, a platform for making short term rentals. The deposit was {$180.00} and was paid with a Capital One Venture Visa Card. 

The reservation was for a 4 night stay in XXXX, Oklahoma to attend a surprise XXXX anniversary party for members of our family. 

On XX/XX/2020 Florida Governor XXXX XXXX declared a State of Emergency in Florida, our home state. 

XX/XX/2020 we received a notice from Evolve Vacation Rental that our Capital One Venture Visa Card would be charged {$590.00} for the balance of our rental payment. Our original reservation was made through XXXX XXXX and this notice from XXXX was not expected as we thought we were doing business with XXXX XXXX. 

XX/XX/2020 we made repeated attempts to reach XXXX XXXX XXXX to ask them to cancel our reservation as the trip was anniversary party was cancelled due to travel restrictions caused by Covid-19.  We were unable to reach XXXX as their call system was not accepting calls and their website did not provide us a way to cancel our reservation ... that was made through XXXX XXXX. 

Later on XX/XX/2020 we contacted Capital One in an attempt to have them help us stop the credit card charge of {$590.00}. We were told that Capital One required a 5 day advance notification to stop a charge. 

On XX/XX/2020, XXXX XXXX XXXX did indeed charge our card {$590.00}. 

From XX/XX/XXXX through XX/XX/XXXX we continued to try and contact XXXX to settle the issue of our inability to cancel our reservation with no success. Their system did not allow us to reach a person either on the phone or through electronic means. 

On XX/XX/2020 we filed two disputes with Capital One regarding the two charges referenced above, the initial deposit and final payment. 

On XX/XX/2020 we provided support documents to Capital One through the US Mail ( we have proof of receipt ) and later through electronic means. 

On XX/XX/2020 we received a letter from Capital One stating that ; " Based upon this review, wee have determined that the previous investigation was decided appropriately and addresses your dispute ''. 

We have been directed by Capital One to try and settle our dispute with XXXX XXXX XXXX on our own without any addition help from Capital One.
Consumer complaint received 2022-07-01
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. (VA)

An unrebutted affidavit stands as truth and judgement in commerce. I think we all know truth is sovereign in commerce. On XX/XX/2021 I sent XXXX XXXX XXXX XXXX a Negotiable Instrument # XXXX ( {$19000.00} ) to discharge remaining car balance. I sent a little more than the requested amount because they had added on XXXX worth of car insurance and I had late fees as well and I wasn't sure of any other fees that they might try and add. I wasn't requesting any amount back/change. I just wanted the account closed and settled. Also sent was a Affidavit of Truth, XXXX point XXXX XXXX XXXX, and a copy of the payoff letter. They never responded so I had a notary mail the same documents again along with a Notice of Acceptance on XX/XX/2021 with instructions to respond to the notary 's address. They never responded. On XX/XX/2021 I had the notary send the same documents again along with a Notice of Default and Opportunity to Cure with instructions to respond to notary 's address. They never responded. On XX/XX/2021 the notary issued XXXX XXXX XXXX XXXX a CERTIFICATE OF NON-RESPONSE for they're dishonor and failure to respond. I just don't understand what gives them the right to ignore my correspondence when there is a contract involved and then falsly label my account as charged-off when clearly I tendered payment which they never sent back. If there was a problem with my instrument they were to send it back to me with evidence of fault and allow me the opportunity to cure which they failed to do. I followed procedure under N.C. 25-1-202 I gave notice. N.C. 25-3-603 ( b ) states that if tender is refused there is discharge, to the extent of the amount of the tender. XXXX XXXX XXXX XXXX never gave a reason for their dishonor.
Consumer complaint received 2020-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland Credit arranged a payment plan for me on a debt collection from XXXX XXXX XXXX, totaling {$1900.00}. The arrangement was as follows : - ACH payment of {$100.00} on XX/XX/2020 - ACH payment of {$650.00} on XX/XX/2020 - ACH recurring payments of {$390.00} on XX/XX/2020, XX/XX/2020 and final payment on XX/XX/2020 All payments have been made as per agreed. I was just notified by a credit monitoring website I use ( XXXX, XXXX, XXXX ) that {$410.00} is now being reported by Midland. I checked my account on the Midland website, to see that my old account, XXXX has disappeared, along with my payment history, and has been replaced with a new account number, XXXX. I have no other collections with Midland, and the new account shows as still being tied to the XXXX XXXX XXXX debt, which has been paid in full. I attempted calling Midland to ask what they are attempting to collect additional money for ( none of my payments were returned or bounced, can provide bank records to verify this ), and was bounced to several departments and then told to call back another day. I am refusing to pay anything over and above what has been agreed upon, and would like this information and these sums to be removed entirely.
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Equifax has reported a collection account from XXXX XXXX   XXXX that has been previously removed. Further I took both equifax and XXXX  to court over this matter and it was settled that the information was not mine and that it was to be removed and not added again. As it was the last 2 years. Then Today it was posted again. The info in the collection does not match my name or social, further it violates the settlement of the court.
Consumer complaint received 2020-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

Caller options do not suit my issue. Experian credit has maintained my previously excellent credit history for 25 years. During the period of XXXX-XXXX had successfully paid off 10 cars and several other loans paid as agreed. Those tradelines fully demonstrated the financial literary I was taught at an early age. In 25 years I NEVER missed a payment!! NOT ONE. As a result of what I built as a part of that history, my Credit score with the presence of that information was ALWAYS nearly 800. Those Tradelines represent my creditworthiness and how I carefully managed my own credit over a lengthy term. Removal of them STRIPS ME OF MY IDENTITY and has been interpreted by me as an intentional tortious act against me. As noted above via timeframe. All of those tradelines were a picture of my credit health PRIOR to my Bankruptcy filing of XX/XX/XXXX. So since they were PRIOR and not inclusive in my filing. 1 ) I'd like to know exactly WHY they were removed? 2 ) Did you take it upon yourself to dictate my HISTORY? 3 ) WHEN are you putting the tradelines back?? Because according to your own publications. " MY HISTORY '' during said period is it what credit scores are dependent upon. Thank You
Consumer complaint received 2024-12-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (MA)

My father died in late XX/XX/year>. I was his Power of Attorney/ATF for his financial affairs while he was living. My father 's only income was his social security and his only assets were in his checking account at Truist Bank in NC. This is a regional bank in the XXXX and I reside in Massachusetts. I managed his financial affairs electronically after he was diagnosed with XXXX XXXX and was moved into an assisted living facility in XXXX, NC. 

I notified Truist Bank promptly that my father passed, although it took more than a month to get his death certificate because he was receiving his medical care from the VA. I was told that in order to close his checking account and receive the funds remaining ( approximately {$6200.00} ) I needed to send a notarized letter to the following address request closing the account : Truist Bank, Account Closure Exceptions, Mail XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX FL XXXX. 

I sent the notarized letter with a copy of his death certificate and the official XXXX XXXX XXXX XXXX XXXX for Collection of Personal Property of Decedent that was required. I also included my name, home address, and relationship to the deceased, and a copy of his checking statement in XX/XX/year>. 

I am my father 's only child and only heir. The court paperwork includes a copy of my father 's last will and testament, which clearly states this information. 

I was told once Truist received the materials that it would be processed, the account would be closed, and the proceeds sent to me within XXXX business days. I tracked the letter via XXXX and it was received on XX/XX/XXXX. I spoke with a supervisor at Truist on XX/XX/XXXX who confirmed that the materials had been received and were assigned to a staff person to process on XX/XX/XXXX. Given the Veteran 's Day holiday on XX/XX/XXXX, Truist had until XX/XX/XXXX to complete the process and close the account. The supervisor said I should expect to see the check the first week of XXXX. 

On XX/XX/XXXX, I opened the bank app to see the account still open and the funds still available. I have subsequently called Truist every day since to ask for an update and have been told by every supervisor ( at least 7 at least count ) that they have sent an " urgent message '' to the team asking for what's going on and they'll call me with an update. Apparently this department at Truist has no phone number so not even Truist staff can call and ask what's going on. 

I have received no phone call yet from Truist and the account is still open as of this complaint on XX/XX/XXXX. 

This is a very easy case to close. I was my father 's POA/ATF and his only heir. Why would it take this long to close this account and why won't anyone at Truist get me any answers? 

I'm already grieving the loss of my father. Handling his small estate should be far simpler with Truist than my experience suggests.
Consumer complaint received 2022-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (VA)

I opened an account with Synchrony Bank for a credit card through Sam 's Club. Everything was great for the first 10 months. I paid the bill in full, every month and on time.

Two months ago, I was unable to get online to look at my statement and pay my bill. I went to Sam 's Club to pay what the automated telephone line said I owe, but I have no idea what was charged, or if previous payments were processed on time, because I can't access my statement. I called customer service twice and when I got a customer service agent, I was immediately put on hold, mid-sentence with no explanation from the agent. I waited and no one ever came back. Called again and same thing happened. 

I want to close this account, but where's the address to do so? Complaints online of mail-in payments not being recorded, or mail being sent back by the postal service is concerning. Other customers are also experiencing these issues. I'm sure you're aware of that. 

I contacted Sam 's Club corporate to get them involved. And I complained to my local club. Apparently you can open an account easily and pay there, but you can't close the account through them either. Can you help?
Consumer complaint received 2024-12-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (GA)

I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : ELAN CACS CC Account Number : XXXX Reason : Under 15 USC 1692g. Validation of debts Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e.an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this letter will result in a small claims action against your company. I will be seeking damages for : 1. ) Defamation 2. ) Violation Of The Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via the Better Business Bureau. * Please remove all non-account holding inquiries over 30 days old. Thank you for your cooperation in this matter
Consumer complaint received 2022-07-01
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. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof, an original consumer contract with my signature on it, that you have on file for the accounts listed below. If you do not do this, I demand that the following accounts be verified or removed immediately from all 3 credit reports, XXXX account no. is XXXX... 
XXXX account no. is XXXX .... 
XXXX  account no. is XXXX .... 
XXXX XXXX account no. is XXXX .... 
XXXX XXXX  account no. is XXXX ....