davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
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. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I WAS A VICTIM OF IDENTITY THEFT, I HAVE SUBMITTED 1 CFPB AND 1 DISPUTE LETTERS WITH LITTLE ACTION TAKEN BY XXXX. I HAVE NOW SUBMITTED AN ADDITIONAL LETTER WITH MORE PROOF OF IDENTITY AND PROOF THAT THESE ACCOUNTS ARENT MINE AND THAT THE BUREAUS ARE VIOLATED MY FEDERAL RIGHTS AND STATE RIGHTS.
Consumer complaint received 2018-08-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (CA)

They repeatedly keep attempting to collect debt from me when it's impossible to pay for anything because there is no gold or silver in circulation. According to the UNITED STATES CONSTITUTION Article 1 Section 10. There has not been Gold or Silver in circulation since 1933.

I am asserting my right to discharge the entire amount. I have the right according to UCC and Creditor/Debtor Law, and according to HJR 192.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

From XX/XX/2014 through XX/XX/2014, XXXX is reflecting late payments on my credit reports with all three Credit Bureaus. This information is inaccurate as the loans should have been in deferment as I was enrolled in school. I submitted disputes with all three Credit Bureaus and they are still reflecting the inaccurate information from XXXX.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I looked at my credit report on XX/XX/2024 and notice that's some things we're incomplete and not reported accurately. According to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX ] [ XXXX  XXXX ] [ XXXX XXXX XXXX XXXXXXXX ] [ [ XXXX XXXX XXXXXXXX ], [ XXXX XXXX XXXX ], [ XXXX XXXX ], [ XXXX XXXX XXXX XXXX XXXXXXXX ] Are not complete and accurate . According to [ 15 USC1681s-2 ]. Also I have noticed there are several addresses that are not currently applicable to me in my personal information. There are also names of my children and ex-wife that need to be omitted from my credit report. In my personal information section of my credit report. I've attached pictures of these things as well. A person shall not furnish any information related to a consumer to any consumer reporting agency If the person knows or has reasonable cause to. believe the information is inaccurate. Please check the attachments below.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX ( *. * ) > ******** IDENTITY THEFT / FRAUD *********, ( *. * ) >******************* _____________________________________________________________________ I AM, The Victim Of Identity Theft / Fraud ; ; As,, All Proof Of Documents Enclosed. As, I AM Responsible For, Any And All, Documents Submitted To Local, State, And Federal Law Enforcement Agencies ; As, The Following Documentation Is Included : FTC ; Police Report ; Proof Of Law Enforcement Emails ; And, Identification. According To 15 US Code 1681, inaccurate data and information must be removed and deleted immediately ; and, in accordance of US Code 1681 1602p " UNAUTHORIZED USE OF CREDIT CARDS " ; as, I DID NOT provide any lawful nor legal consent to establish the enclosed accounts. Therefore, according to Federal Consumer Law, the enclosed accounts must be deleted immediately.

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of inaccurate and invalidated information, 15 U.S. 1666b ( a ) creditor may not treat any payment late for any purpose, 15 U.S. Code1681 a ( 2 ) consumer report does not include reporting information solely as to transaction or experience, 15 U.S. Code 1602p the term " unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the card holder who does not have the actual, implied, or or apparent authority for such and from which the cardholder receives no benefit.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I want the following address 's removed from my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I either no longer live there ( greater than 2 years or have never lived there )
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX is reflecting 30 day late payments on my account for XX/XX/2018, XX/XX/2018 and XX/XX/2018. My payment due date falls on the XXXX of every month and in accordance with the attached payment history, all payments were made within less than 30 days of the due date. 

Payments dates are as follows ( see attached doc ) : XXXX : XX/XX/2018 XXXX : XX/XX/2018 XXXX : XX/XX/2018 XXXX : XX/XX/2018 I spoke with representatives with XXXX XXXX and they indicated they could not correct their error and that I needed to dispute with the credit bureaus. I believe this an unacceptable practice by XXXX XXXX. As a credit, they are required to report accurate information to the three credit bureaus in accordance with the XXXX XXXX and XXXX XXXX.
Consumer complaint received 2019-03-27
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. (IL)

This is a account from XX/XX/XXXX! I disputed it and finally the credit bureau removed it! Now they putting it as a new account opened XX/XX/XXXX this is double jeapordy and illegal!
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX is reflecting 30 day late payments on my account for XX/XX/2018, XX/XX/2018 and XX/XX/2018. My payment due date falls on the XXXX of every month and in accordance with the attached payment history, all payments were made within less than 30 days of the due date. 

Payments dates are as follows ( see attached doc ) : XXXX : XX/XX/2018 XXXX : XX/XX/2018 XXXX : XX/XX/2018 XXXX : XX/XX/2018 I spoke with representatives with XXXX XXXX and they indicated they could not correct their error and that I needed to dispute with the credit bureaus. I believe this an unacceptable practice by XXXX XXXX. As a credit, they are required to report accurate information to the three credit bureaus in accordance with the XXXX XXXX and XXXX XXXX.
Consumer complaint received 2018-08-01
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. (MD)

XXXX XXXX is reflecting 30 day late payments on my account for XX/XX/2018, XX/XX/2018 and XX/XX/2018. My payment due date falls on the XXXX of every month and in accordance with the attached payment history, all payments were made within less than 30 days of the due date. 

Payments dates are as follows ( see attached doc ) : XXXX : XX/XX/2018 XXXX : XX/XX/2018 XXXX : XX/XX/2018 XXXX : XX/XX/2018 I spoke with representatives with XXXX XXXX and they indicated they could not correct their error and that I needed to dispute with the credit bureaus. I believe this an unacceptable practice by XXXX XXXX. As a credit, they are required to report accurate information to the three credit bureaus in accordance with the XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MS)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furhished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights
Consumer complaint received 2018-08-01
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My Homestead property is currently set for a Foreclosure Sale on XX/XX/XXXX, in XXXX XXXX, Florida, Case No. XXXX, Nationstar Mortgage v. XXXX XXXX.

From XX/XX/XXXX through XX/XX/XXXX, I have been overcharged by XXXX XXXX and XXXX XXXX approximately {$79000.00} in Forced Placed Insurance. I was not aware of this until XX/XX/XXXX when my recently hired attorney went through all the charges by XXXX XXXX and XXXX XXXX. I was not represented by counsel during the Foreclosure filing. A standard insurance charge for my house would be about {$3000.00} a year. I was charged by XXXX XXXX and XXXX over {$12000.00} a year for insurance ( 4 times what should have been charged ). I have all the charges to support these fraudulent overcharges.

Last week I was approved by the Florida Housing Authority via XXXX for {$50000.00} in Mortgage assistance to Reinstate my Mortgage. However, XXXX XXXX ( the servicer for Nationstar ), claims I owe {$82000.00} plus to Reinstate and even if the Florida Housing Authority pays {$50000.00}, XXXX XXXX wants an additional {$32000.00} to Reinstate.

I have been overcharged {$79000.00} by XXXX XXXX. I have researched this issue and there are many Class Action lawsuits about Forced Placed Insurance fraud, and Nationstar is one of those companies involved in this fraud.

I would like Nationstar/XXXX XXXX to waive any amounts alleged owed over the {$50000.00} that the Florida Housing Authority is willing to pay XXXX XXXX. If not, I will be forced to turn this over to the State and US Attorney for their review of this fraudulent activity by XXXX XXXX and Nationstar.
Consumer complaint received 2018-08-01
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: SYNCHRONY FINANCIAL (CA)

I called Syncrony bank to make a double payment, was told by operator that i could do that. They reported me 30 days late on the second month and told me they can not take early payments that the money I paid went to principal. This is just dishonest and ruins my credit or ability to take care of my family. This is the second time they have screwed up my acct. I got no where on the first one.
Consumer complaint received 2024-09-26
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: Experian Information Solutions Inc. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX my husband wrote a check for {$2900.00} from our Joints Account with XXXX XXXX  to deposit it to Wellsfargo to complete funds for my mortgage payment to be drawn, but it was returned on XX/XX/XXXX for non-sufficient funds, after a few direct deposits went through on the XXXX to my XXXX XXXX account, then this same day the check for {$2900.00} was paid by XXXX XXXX  to Wellsfargo. 
However Wellsfargo bank would not make the funds available until XX/XX/XXXX, and also froze a direct deposit from my payroll making shown the account as XXXX balance and withdrawing funds from my husbands credit card account with Wellsfargo that is still linked on my checking account with Wellsfargo and my husband is not even in the checking account with me. 
XXXX XXXX XXXX XXXX phone payment was already rejected by Wellsfargo for non payment that is usually supposed to be drawn on the XXXX and the bank did NOT honor the payment because of the hold placed on the checking account. 
I spoke to Customer Service XXXX named XXXX and finally to an XXXX named XXXX and were able to acknowledge the serious situation where pending payments were supposed to be honored figuring the hold time placed on my checking account but they said they will escalate this case to other Managers and officials about it but didnt promise a quick response or release of the funds until someone reaches back to me up to XXXX business days. So I need help on this because my XXXX XXXX check that was processed to Wellsfargo was not only honored but was paid and drawn from my own XXXX XXXX  Account on XX/XX/2024 and is not yet available in my Wellsfargo account ending in XXXX
Consumer complaint received 2018-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NC)

I applied for Gold Delta SkyMiles from Amex credit card in XX/XX/XXXX through a promotion link when booking flight tickets through third-party flight booking websites. When you clicked the link to apply, the flight ticket price shown went down.

After having the card, I spoke with the customer services several times about my welcome offer, including miles earned by {$1000.00} purchase and {$200.00} credit earned by purchasing from XXXX  web directly within the three months. The customer services listed out in details that how I will get my welcome offer.

When making my international traveling plan, I intentionally book a flight from XXXX   even though there're quite a few faster and cheaper choices. But I want to collect my welcome offer anyway.

However, a few weeks after I purchased my ticket, I still didn't see the {$200.00} credit statement from AMEX account. So I spoke to customer services. After almost an hour repeating the same words to two different people, I got the answer that the cheaper flight from third-party website is already using the {$200.00} credit statement. It is very ridiculous because I already purchased a non-refundable flight ticket for that.

This is very misleading and potentially shows that AMEX is not in good faith! Firstly, they didn't mention anything that I already collected the welcome offer during the multiple times I spoke with customer services, and argued that they didn't see my statement posted at that time. Secondly, in the benefits listed on the web, the purchase must be from XXXX or XXXX XXXX etc. How can I tell the purchase from third-party web even with no XXXX name on the statement count? 'm very disappointed and their communication is very misleading to persuade you to purchase more from their partners.

When I try to file a complaint, the customer services just gave me a mail address for general inquiry and refused to file a complaint for me or providing any email address.
Consumer complaint received 2018-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: REGIONS FINANCIAL CORPORATION (KY)

In XX/XX/2017, I opened a secured ( XXXX ) credit card account with a credit limit in the amount of {$1000.00}. On XX/XX/XXXX, Region 's approved a transaction in the amount of {$1300.00} to XXXX  Car Rental. This transaction should've been declined as it clearly exceeded my credit limit & I did not owe this amount to the merchant. The merchant contacted me on XX/XX/XXXX at XXXX XXXX and advised that I had a balance due of {$270.00}. XXXX Manager, XXXX XXXX, had no right to steal these funds from my account on XX/XX/XXXX. Region 's was aware that multiple irregular transactions had been entered on XX/XX/XXXX by this same merchant & subsequently had to flag my account as a result, so Region 's should've declined this questionable transaction on XX/XX/XXXX. I have a stellar payment history with Region 's & Region 's failed to protect me from financial recklessness on behalf of this merchant, ( XXXX  ). I have never at any time authorized Region 's to pay for services that exceed my available credit limit. Approval of transactions that exceed a customer 's credit limit, against the customer 's wishes should be illegal, what is the point of having a credit limit if that amount can be involuntarily exceeded? This illegal transaction impacted my credit report & score.
Consumer complaint received 2018-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (FL)

I had {$1400.00} added to a card fraudulently before I had even received the card to activate it. It may have been intercepted. I submitted a dispute in XX/XX/XXXX before I had gone through all of the necessary steps and they denied it. I then filed a police report am working directly with my ID Theft specialist to dispute. The company is not being helpful and seem to be doing their best to avoid assisting and taking responsibility for this ID theft. A formal dispute was submitted XX/XX/XXXX, a call was placed to them XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. During these calls, they acknowledged that they had received the fraud paperwork, but constantly refuse to accept the POA that I had notarized. We have spoken with reps and leads to the fraud team and were assured on XX/XX/XXXX that the issue was resolved and the charges would be reversed and that a letter would be mailed to confirm. Fast forward to today and we find that for the 7 months that they have had an official dispute that they have not opened up an investigation which is a violation of the fair credit reporting act. It is unacceptable for them to handle this case so unprofessionally. If I am not able to resolve this, I will be involving an attorney.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (VT)

In accordance with the fair credit reporting act this creditor has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681b a report containing information solely as to transactions or experiences between the consumer and the person making the report shall be excluded from my credit report. 
Here is a link to the law https : XXXX Credit Acceptance is reporting about my transactions and the law states that those transactions shall be excluded. I want my transactions excluded from my credit report.