davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
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. (UT)

XX/XX/year> Subject : Formal Complaint Against Equifax for Failure to Correct Inaccurate Late Payment Reporting. 
To Whom It May Concern : I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> ), my requests have been ignored. This lack of response constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account is a breach of this legal obligation. Furthermore, according to 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The persistent misreporting of late payments on my account has caused undue harm to my creditworthiness, a direct consequence of TILA 's protective intention. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) : This act highlights the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. The inaccurate late payment reporting on this account violates this consumer protection, impacting my financial standing unjustly. 
Payment History and Errors Equifax shows an inaccurate 30-day late entry in XXXX, which I have previously disputed. 
Lack of Resolution Since Previous Dispute I have submitted multiple disputes regarding these inaccuracies, yet there has been no corrective action taken by Equifax. This persistent inaction has continued to harm my credit standing and is a violation of both my consumer rights and the relevant federal statutes.

Desired Resolution Immediate Removal : I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report. 
Written Confirmation : Please provide written confirmation of this correction. 
If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate regulatory agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (CO)

Destiny Mastercard owned by Concora is charging XXXX per month on late fees. I asked for a refund since the law passed in XXXX for the excess. The customer service representative refused and said the fees are applicable.
Consumer complaint received 2024-09-26
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: Experian Information Solutions Inc. (FL)

I found unauthorized inquiries on my credit report today, and Im baffled as to why. I routinely check my report, but these discrepancies are new and alarming. Even after refreshing my browser, the issue persists. Im feeling extremely frustrated and need you to check the documents Ive submitted thoroughly so I dont have to deal with this again.
Consumer complaint received 2024-09-26
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. (FL)

This morning, I was shocked to discover some inaccurate accounts listed on my credit report, and I have absolutely no idea how they got there. I do routine checks on my report, and this has never been an issue until now. I refreshed my browser, hoping it was some kind of mistake or glitch, but the incorrect details didn't go away. This whole situation is incredibly XXXX and I'm asking for a detailed review of the documents I've provided to ensure that this problem is permanently fixed.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I asked Capital One to remove a XX/XX/year> fradulent hard inquiry on my XXXX with over XXXX calls, and they could never fix this problem. 

The initial call to Capital One was on XX/XX/year> and Capital One told me they stoped the fradulent credit card application but it would take 60 days to remove from my credit report. We're now into late XX/XX/year> and Capital One is still looking into it, with no resolution in sight. 

I even contacted XXXX by phone and written letter several times but XXXX won't remove it because they need Capital One to inform them. 

It's been over 10 hours of wasted time and no progress on this, which is affecting my credit report.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION ()

Here Are more details of what happened before and after the accounts were closed : On XX/XX/XXXX, I made a domestic wire transfer from XXXX ( checking account ) for XXXX USD to Suntrust Bank. In both accounts I am XXXX of the account holders. 

On XX/XX/XXXX ( approximately ) I was in the United States, on XXXX XXXX, and I withdrew part of my money in cash. After making this withdrawal, a few days later, on XX/XX/XXXX ( approximately ) both Suntrust banks accounts were closed ( approximately with a total of XXXX USD ) .When this happened, I went to the branch to ask about the closure of my accounts and they told me that they will send a check with the remaining funds and that I should receive the check in the next couple of weeks. The check never arrived.After several emails with Suntrust they change what they initially told me and said that in order to release my money they needed the following : " a verification letter from XXXX to confirm the information on the wire is correct and legitimate to release funds. '' When I called XXXX and ask for this letter they explained me that they couldnt provide me with that letter because by process they are not allowed to that.Just to give some additional information, the funds that were transferred to Suntrust are part of a bonus I received on XXXX on XX/XX/XXXX, XXXX rom XXXX XXXX which is part of my salary that they pay me ( company were I work ). 
On XX/XX/XXXX, after not getting a positive outcome for months ( with several emails and calls explaining the situation ) I scheduled a meeting at Suntrust and travelled from XXXX to the XXXX exclusively to try to solve this problem and get my money back.On XX/XX/XXXX, I had a meeting at the branch, they told me that I need to askXXXX to ask for a recall of the original wire transfer. XXXX did this onXXXX XXXX and it was denied by Suntrust. 
Since then i've been trying to find a lawyer to help me with my problem but no lawyer takes the case because they say the amount of money its not worth it. For me, its a lot of money which i've earned with hard work and i want the bank to return it. During this time Suntrust Bank has been acquired by Truist Bank. 

I'm attaching three files. One statemente from my account at XXXX when i received the funds. Other statement from XXXX when i transfered the funds to Suntrust. And the last one with the swift. 

Thanks in advance
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have attempted to reach out to Experian in regards to inaccurate info. The information is old and the rest is error or reported as accurate but is an error. The are XXXX errors reported as my name but spelled incorrectly, I've disputed and yet they have not been removed none of the names are accurate except XXXX XXXX XXXX. The XXXX other invalid spellings are not mines and are not connected to my social security number. This personal information in regards to my address is inaccurate also. There are XXXX inaccurate phone numbers that are over 15 years expired. There are XXXX incorrect addresses on my report all old and passed 3 years some from my home state that I haven't resided in over 15 years yet they are still on my report as valid addresses. I requested the removal yet here we are still not removed. There is a spouse listed on my report yet I have never been married please remove this immediately. Im making this compliant to correct my current report so it reflects the current and accurate information.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

i have reached out to the fraud dept with bank of america and XXXX XXXX XXXX in regards to these fraudulant accounts that are currently reporting as bad accounts on my credit report, which are not my accounts and i have uploaded multiple times supporting documents stating they are not my accounts!
Consumer complaint received 2024-09-26
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. (DE)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (FL)

My car was recently declared a total loss and my insurance company paid off the loan. 

Ally is still inaccurately reporting that my loan is open and passed due. 

Additionally they tacked on over XXXX in finance charges with which I do not agree.
Consumer complaint received 2024-09-26
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. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account Number : XXXX Debt Amount : XXXX Dear Credence Resource Management I am writing in response to your communication dated XX/XX/year> regarding a debt you claim I owe. I am requesting that you provide full validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following information : 1. Verification of the debt, including the amount owed and the original creditors name. 
2. A copy of any contract or agreement showing that I am legally obligated to pay this debt. 
3. Proof that you are legally entitled to collect this debt. 
4. Documentation of the complete payment history, including how you calculated what you say I owe. 
5. The name and address of the original creditor, along with any account number associated with this debt. 

According to the FDCPA, you must stop all collection activity until you provide sufficient evidence that validates this debt. Any further attempts to collect without such validation will be considered a violation of the FDCPA. 

Please note that this letter is not a refusal to pay but a request for information. Once you provide the requested documents, I will review them and respond accordingly. 

I also request that you refrain from contacting me via telephone. All future communications should be in writing to the address listed above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-14
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. (MI)

I recently looked at my credit profile and there were several inquiries I did not recognize : XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXXXXXX  Equifax XXXX - XX/XX/XXXXXXXX  Equifax
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MI)

On XX/XX/year>, I responded to an email I received from Experian XXXX XXXX XXXX, informing me that my phone number and SSN were found on the Dark Web. This came after I have gotten several notices from various entities saying my personal information with their companies have been compromised. I had other questions about credit attempts by someone using XXXX XXXX address information. Experian 's phone number provided in their notification Does Not allow me any option if addressing my actual concerns and absolutely NO option to reach a live person. Trying to log in again, I received a message that my XXXX and XXXX don't match their information!! There is no way to resolve, correct or address my concerns with Experian. I signed up with them on XX/XX/year> after receiving a security breach notification from XXXX XXXX XXXX.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XX/XX/year> Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Re : Account Number : XXXX Debt Amount : XXXX Dear Credence Resource Management I am writing in response to your communication dated XX/XX/year> regarding a debt you claim I owe. I am requesting that you provide full validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. Verification of the debt, including the amount owed and the original creditors name.

2. A copy of any contract or agreement showing that I am legally obligated to pay this debt.

3. Proof that you are legally entitled to collect this debt.

4. Documentation of the complete payment history, including how you calculated what you say I owe.

5. The name and address of the original creditor, along with any account number associated with this debt. 

According to the FDCPA, you must stop all collection activity until you provide sufficient evidence that validates this debt. Any further attempts to collect without such validation will be considered a violation of the FDCPA. 

Please note that this letter is not a refusal to pay but a request for information. Once you provide the requested documents, I will review them and respond accordingly. 

I also request that you refrain from contacting me via telephone. All future communications should be in writing to the address listed above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Mortgage Connect LP (NV)

Hello, upon putting in an offer on a property XXXXXXXX XXXX  Forced me to use a specific title/escrow company, Mortgage connect Which caused several delays, missed an easement, undo stress about extending my lease, rushing through a construction remodel and Missed important, deadlines, incorrect paperwork, incorrect recorded deed, which was rejected three times. I am extremely upset about the water easement that was missed as well on my property which now is going to cause future issues, resale value and disclosure problems.
Consumer complaint received 2024-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my last attempt to amicably resolve XXXX continued violation of the Fair Credit Reporting Act regarding their refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation by the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if these UNVERIFIED items listed in my complaint are not deleted immediately. A copy of this, as wel as copies of the 3 written letters sent previously will become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation. Despite these 3 written requests, the unverified items that will be listed below remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that the information is mine and correct. In their results of their investigations, they stated in writing that they verified that these items are being reported correctly. Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, they failed to provide the method of verification as required under Section 611 ( 5 ) ( A ) of the FCRA. They by law must promptly delete all information which can not be verified. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST GUARANTY MORTGAGE CORP (LA)

On XX/XX/year>, I mailed a dispute letter to First Guaranty Bank regarding the inaccurate and misleading reporting of my account. Despite making regular automatic payments, which are debited monthly from my account, these payments are not being reflected in my payment history. The account inaccurately shows no payment activity, which is blatantly false. 

To date, I have not received any response from First Guaranty Bank regarding my dispute. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). Their failure to respond within the legally mandated timeframe demonstrates negligence, and I believe the information they are reporting was not validated with 100 % accuracy. This ongoing inaccuracy is damaging my credit report and unfairly affecting my creditworthiness.
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Business and Consumer Solutions. (CO)

Prior attempt were done and I only received statements from this collection company of r the credit card. On XX/XX/year>, I requested proof of the Debt by mail with a certified return receipt. My request to FBCS Inc. was for proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and their License information.