davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
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. (CA)

I am writing to formally file a complaint againstXX/XX/XXXXXX/XX/XXXX account number begging with XXXX opened under my name on XX/XX/year>. I believe XX/XX/XXXX has violated the truth in the lending act, codified in 15 USC 1601, by failing to provide accurate and transparent disclosures related to the loan terms and payments.

specifically, I have identified the following issues : 1.failure to disclose proper terms : the loan documentation provided to me did not clearly explain the interest rat, finance charges, or repayment terms in a manner that was understandable and compliant with the required disclosures under 15 USC 1601.

2.unclear finance charges : the amounts charged in connection with my loan appear to have been inflated, and I was not provided clear, itemized statements of the finance charges as required under the truth in Lending Act.

3.erroneous billing and statements : I have received statements with incorrect amounts, andXX/XX/XXXX has failed to rectify the despite multiple attempts to resolve the issue. The past due amounts listed are not consistent with what was initially agreed upon. 

in light of these violations, I am requesting a full investigation into the handling of my auto loan and that the CFBP ensures that XX/XX/XXXX complies with 15 USC 1601 and corrects these issues. Additionally, I am requesting that any incorrect information reported to the credit bureaus in relation to this account be removed immediately.
Consumer complaint received 2024-09-25
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: Experian Information Solutions Inc. (WV)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

According to Law FRCA SECTION 605b, it is illegal to report information on my credit report without my permission. I noticed financial institutions disclosed my non-public personal information to multiple non-affiliated third parties and I was never provided with any notices to give any consent to those said parties stated within the law 15 USC 6802. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-07
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. (IA)

I have contacted this company XXXX a few times they responded back with a letter stating that they sold the debt to XXXX. I have also contacted them sending them debt validation letters and debt verification letters requesting that they validate this debt. 
I have written this company two times to request a debt validation letter and verification letter and did not receive the letter. I have also written all three credit bureaus requesting the same information previously twice as well. 
After carefully investigating the company XXXX, they are not even licensed to collect in my state that I live in Iowa. 

As such, any attempt to collect the alleged debt from me is in violation of Iowa state law and the Fair Debt Collection Practices Act ( FDCPA ). 

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Iowa Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law. 
Delete I demand that you immediately cease all collection activities related to this alleged debt. This includes, but is not limited to : Phone calls Letters Emails Reporting this debt to any credit reporting agencies
Consumer complaint received 2024-09-07
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: EQUIFAX, INC. (GA)

I did not authorize none of these credit inquires i want them REMOVED. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-10-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

I am filing a formal complaint against Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to the removal of inaccurate personal information from my credit report, as well as their failure to respond within the legally mandated 30-day timeframe. 

Details of the Complaint : Dispute of Inaccurate Personal Information : On XX/XX/year>, I submitted a formal dispute to Equifax ( Dispute ID : XXXX ), clearly stating that my one and only legal name is XXXX XXXX XXXX XXXX and my correct address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Additionally, I confirmed my correct phone number as XXXX. 

Despite this, Equifax continues to report numerous incorrect names, addresses, and phone numbers on my credit report, including : Inaccurate Names : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and others. 
Inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, and several more incorrect addresses that I have never lived at.

This failure to correct the errors violates FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy in consumer reports. 

Failure to Respond within 30 Days : It has been over 30 days since Equifax received my dispute, and I have yet to receive any formal response or resolution. Under FCRA 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to respond to disputes within 30 days, and this failure constitutes a clear violation of the law.

Resolution Sought : I request that the CFPB take the following actions to ensure Equifax complies with the FCRA : Immediately delete all inaccurate personal information from my credit report, including all incorrect names, addresses, and phone numbers that are not my own.

Ensure that Equifax provides an updated and accurate credit report reflecting these corrections.

Investigate Equifaxs failure to respond within the 30-day period as mandated by law, and take appropriate enforcement action for this violation. 
Enclosed are copies of my original dispute letter sent to Equifax and proof of receipt, as well as my credit report showing the inaccurate personal information still being reported. 

I trust the CFPB will take prompt action to resolve this matter and ensure Equifax 's compliance with the Fair Credit Reporting Act.
Consumer complaint received 2024-10-19
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. (SC)

On numerous occasions, I have expressed to Equifax of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. Equifax does not accurately represent the people if they are constantly furnishing inaccurate information without proof. Furthermore, I NEVER gave Equifax my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take the necessary action for each violation at {$1000.00} each. If this is not fixed in the next 30 days, I will file a suit and will follow up with an Invoice for Each Violation. 

Please remember the court cases **XXXX XXXX XXXX XXXX XXXX**, XXXX XXXX XXXX ( XXXX Cir. XXXX ), **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) and **XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) underscores the obligation of the credit bureaus to ensure maximum possible accuracy of consumer information and maintain along with following reasonable procedures.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

This is a complaint about a repeated issue at HSBC. This is not a duplicate complaint. In the CFPB Complaint : XXXX, HSBC did not provide the information it is required to provide under the Fair Credit Billing Act about a transaction on my credit card statement. This is eroding my trust in using HSBC credit cards for large-value transactions. The information requested is follows : 1 ) For CaseID : XXXX; please could HSBC confirm the specific excerpt of the " XXXX dispute policy '' it used as basis for its credit card dispute decision? In the first instance, why did HSBC reject the dispute ; and then later when I submitted the same documents/evidence again, why did HSBC accept the dispute? XXXX have advised, in writing, that HSBC is responsible for providing this information to its customers. 2 ) HSBC sent deadline communications for this dispute via postal mail. The letters systematically arrived after the deadlines had expired, potentially losing my claim rights to the dispute. Please could HSBC confirm the date the letters were sent, the deadline expiration date, the class of postal service used and the delivery timeline provided by your service provider?
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NJ)

I opened an account ( checking and savings ) with Citi in XXXX. About a week before receiving a closure notice, I contacted Citi 's fraud department because I was unable to add my debit card to my mobile wallet. The representative confirmed there were no alerts or holds on my account at that time. 

However, a week later, I received an unexpected email notifying me that my account was being closed, and I immediately lost access ( This is on XX/XX/year> ). There was no prior warning or reasoning provided for the decision to close my account. 

I reached out to the personal banker ( XXXX XXXX, Citibank XXXX XXXX XXXX ), who helped me open the account. The banker reviewed my transactions and found no reason that should have resulted in account closure, and they submitted a request to the fraud department to stop the closure. Unfortunately, on XX/XX/year>, this request was denied by the back office. 

I reviewed my transaction history, and nothing is out of the ordinary except XXXX large outgoing ACH transfer to the institution labeled as XXXX, which is the university that I am currently attending with the full name XXXX XXXX  in the City of XXXX XXXX. The transaction of around $ XXXX was to pay off my tuition. All my funds and transactions are legit and I can prove that if needed. 

I also contacted Citi 's Executive Response Team after the request denial, and my case number is XXXX.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: EVERBANK, NATIONAL ASSOCIATION (NC)

I called Everbank on XXXX requesting to transfer the funds in my account and to close my account, as I intended to withdraw the remaining amount ( approximately {$6000.00} ). I was told that the account was under a " manual review '' and that I was not able to transfer or access my funds. The funds have been in this account for many months since the account was open, so there should not be any holds or limitations on availability of funds due to Regulation CC. The bank was unable to give me viable reason for the hold or provide justification of a regulation allowing for them to restrict access. 

Restricting access to these funds creates consumer harm and there was no disclosure made to me regarding the hold being put on my account. I was unable to access the account online and then access was restricted when I called into an agent. 

This should be evaluated as an unfair, deceptive, or abusive act or practice under the provisions of XXXX XXXX given the harm I will face given the undue delay in access to my funds.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-10-19
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. (CA)

XXXXXXXX XXXX XXXX BALANCE {$16000.00} XXXXXXXX XXXX XXXX BALANCE {$18.00} XXXX XXXX XXXX XXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX BALANCE {$41000.00} RE : Late Payment Improperly Reported- I XXXX XXXX XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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 and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax, has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist Bank charged me an overdraft fee for transactions that were still pending, which is confusing because even though the transaction was pending, they still charged me an overdraft fee once it cleared. Additionally, they imposed an overdraft fee for items they didn't pay but returned, which seems unreasonable. Charging a {$36.00} return or overdraft fee for an item that wasn't paid is excessive.
Consumer complaint received 2024-10-19
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: EQUIFAX, INC. (SC)

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 XX/XX/year>
Consumer complaint received 2024-10-19
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. (MI)

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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 and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Equifax, XXXX. XXXX, Equifax, XXXX has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

On numerous occasions, I have expressed to Equifax of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. Equifax does not accurately represent the people if they are constantly furnishing inaccurate information without proof. Furthermore, I NEVER gave Equifax my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take the necessary action for each violation at {$1000.00} each. If this is not fixed in the next 30 days, I will file a suit and will follow up with an Invoice for Each Violation.