davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
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. (MS)

This account was charged off XXXX XXXX XXXX.Account number:XXXX However, since then, the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account.

Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (GA)

VALIDATION AND CEASE AND DESIST Collection agency name : Jefferson Capital System Address : Dept # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Ga XXXX Dear Jefferson Capital I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNCOAST CREDIT UNION (FL)

Suncoast went in to my account and took XXXX dollars for what they called an NSF fee becuase my account didn't have enough money. I have other accounts they could of used to pay these. I'm a small struggling business just trying to pay my bills and this bank wants to charge me XXXX dollars becuase I couldn't afford too pay those bills? How does that make sense? If there wasn't enough money to pay those bills what makes them think I can afford to pay nsf fees on top of the bills I couldn't pay in the first place? Thats absolute insanity and it's theft to say the least.
Consumer complaint received 2024-09-30
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. (NY)

Date : XX/XX/XXXX To : Experian XXXX XXXX Subject : Request for Immediate Removal of Inaccurate Credit Reporting To Whom It May Concern, I am writing to address serious inaccuracies in my credit report related to the XXXX XXXX  account. Your failure to maintain accurate records is a violation of the Fair Credit Reporting Act ( FCRA ), and I demand the immediate removal of this account from my credit reports. 

Account Information : Account Name : XXXX XXXX  Account Number : XXXX ( last four digits ) Discrepancies : Date Opened : XXXX : XX/XX/XXXX Experian & XXXX : XX/XX/XXXX Inaccuracy : Violates FCRA 607 ( b ). 

Number of Months ( Terms ) : XXXX & Experian : 48 months XXXX : 0 months Inaccuracy : Violates FCRA 602 ( a ). 

Last Reported Date : XXXX & Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Inaccuracy : Violates FCRA 609 ( e ). 

Date Last Active : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Inaccuracy : Violates FCRA 607 ( b ). 

Payment History : XXXX : Gaps in payment history violate FCRA 607 ( b ). 

Demand for Action : I expect the immediate removal of the XXXX XXXX  account from my credit reports. Attached is a copy of my credit report, highlighting these discrepancies. 

If these issues are not resolved promptly, I will consider legal action against all three bureaus, seeking {$1000.00} per violation of the FCRA. The case XXXX XXXX XXXX, XXXX serves as a precedent for my claims. 

I hope for a swift resolution to this matter. Please confirm the removal within 14 days. Failure to comply will leave me no choice but to escalate this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

I used my Best Buy card and after that I started getting messages in my phone and at my house about when my diseased husband opened the account in Fl. Not true since he did not open it. I went to XXXX in GA, and they told me not to worry. I called Citibank Fraud Dept and the second time the customer service told me that she found two credit cards with my husband 's name and recommend closing the accounts since I told her he is dead. I agreed. I did not understand how they are in his name since he never had a XXXX  card. He did not believe on them. Not to mentioned he passed away 17 years ago! Then, I get two ( 2 ) letters from Citibank, no logo, no signatures addressed to the XXXX XXXX XXXX XXXX XXXX indicating to the heirs to communicate with ASCENTION POINT a designated probate to discuss account detail. SO, I AM DEAD!!! INCREDIBLE. Talked several times to Citibank Fraud Dept telling them I AM ALIVE! Now, they sent me a DOC via email to Sign and I am afraid to open it since it might be another spam or fraud Who knows??? 
This is when I decided to contact CFPB for their guidance. Thanks for helping!
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CORELOGIC INC (NJ)

The Following companies, XXXX, XXXX, XXXX, Corelogic, XXXX XXXX, are in possession of my stolen credit card ( 15 usc 1602 ) personal social security account information, absent my knowledge, consent and/or agreement ( 15 usc 1692c ). I have forwThe Following companies, XXXX, XXXX, XXXX, Corelogic, XXXX XXXX are in possession of my stolen credit card ( 15 usc 1602 ) personal social security account information, absent my knowledge, consent and/or agreement ( 15 usc 1692c ). I have forwarded an opt out demand, verification disclosure, cease and desist communications letter to the aforementioned, identifying the identity theft accounts. XXXX, et al, has failed and/or refused to implement a block> I have also demanded secific verifications : ( 1 ) Any insurance claims ; ( 2 ) chain of title ;, i.e.
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (IN)

After receiving a letter claiming to be from a debt collector, I responded, asking them to validate the debt. I also requested that they conduct all future business with me by mail. I have tracking information for this letter and proof that it was received and signed for. 

While I was preparing that letter, I received word from a former coworker. This coworker sent me a string of emails from the debt collector, sent to him, about my supposed debt. These emails contained my name, address, account numbers, and the amount of debt the collector claimed to own. The debt collector continued to contact my coworker even after he responded, telling them that they were reaching out to the wrong person. 

In my letter to the debt collector, I specifically told them to stop contacting my former coworker and provided correct contact information. However, after the letter was delivered and signed for by the debt collector, they continued to contact him. 

Earlier today, I received a phone call from my father. The same debt collection agency contacted him, informing him about the same non-validated debt and threatening legal action against me. They did not simply request my contact information but explicitly disclosed the debt and threatened legal action. 

Other than a single letter threatening legal action, the collection agency has made no attempt to validate that they own any of my debt and has constantly violated my privacy by contacting third parties.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-10-18
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. (NC)

I've discovered inaccuracies on my credit report in relation to 15 USC 16c-2. The inquiries shown were not authorized and are hurting my credit. Please erase all unauthorized hard inquiries. Thank you!
Consumer complaint received 2024-10-15
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. (TX)

Good morning I have received a new dispute report result with 10 min of the dispute. I also added the email with copy of the result. 
I also complaint to the other 2 credit bureaus and XXXX and XXXX have remove most of my incorrect information inquiries with updated address. 
Equifax is not following the credit reporting rules.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American First Finance, Inc. (GA)

This account is reporting negative and inaccurate information on my credit report. This account is closed and was agreed to be removed from credit report. 

AMER FST FIN Account XXXX XXXXXXXX
Consumer complaint received 2024-09-30
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-08-27
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. (CA)

I have received some FICO alerts that my credit report had the unauthorized inquires. 
According to Section XXXX of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In generals. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no others : ( F ) otherwise has a legitimate business needed for the informations ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraphs ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX  XXXX Inquiry : Delete NOW I AM REQUESTING UNDER FCRA XXXX THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT FCRA XXXX ( XXXX U.S.C. XXXX ) ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identifications of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-09-30
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: Experian Information Solutions Inc. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NH)

Ally Bank contains following + several messages NEVER responded to by Ally Bank since XXXX 2024 ; WHY? 

Ally Bank contacts have been Over hours of conversations over the days since XXXX 2024 by phone and Ally Bank messaging center on my accounts ; with ONLY promises to resolve issues and callback from Exec Management team that NEVER happens? 
WOW ... Ally Bank customer service is beyond AWFUL ... WHY? 
NEVER received any follow- up from escalation to Executive Customer Relations , this issue has been since XX/XX/year> ... awaiting tech resolution? 
current access exists to accounts but access has dropped to minimal on several occasions over last several years ; but limited ONLY to XXXX accounts... access was available to wife 's accounts .. WHY? 
- have requested resolution & WHY ONLY XXXX 's accounts effected? 
- Requested & NEED TO TALK TO ALLY MANAGEMENT FOR RESOLUTION ; BUT NO response for month 's since XX/XX/year>? 
** last message from Ally Bank stated following on several occasions since XX/XX/year> and over many month 's since... 
Ally Bank shows ; " I show that your request to tech issues regarding reference number XXXX has been escalated to Executive Customer Relations. We understand the urgency of your request, and one of our specialists will be in touch with you once they have reviewed your request. You can expect contact from us in 7-10 business days. '' XXXX regarding reference number XXXX. Your experience was forwarded to our Tech Team for investigation. The Problem Ticket number is XXXX. Regrettably, we do not have a time-frame to provide for resolution. We will contact you once there is an update. I do apologize for any frustration this has caused.
Consumer complaint received 2024-10-18
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. (TX)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-08-27
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NY)

On Tuesday XX/XX/year> approximately at XXXX XXXX  I initiated a domestic wire transfer the reasonable sum of {$480.00} USD from my Ally Bank checking account to another personal checking account at the same financial institution. 

Later into the afternoon at XXXX XXXX I have received 2 emails stating that my wire transfer has been canceled and my online access is restricted, as well as transfers. 

This was all done by Ally, I in no way have canceled any of my transactions and I never reported any activity on my account, it was their own system. I contacted support immediately and received XXXX information related to the incident. There has been XXXX communication from that point and my account ( s ) are still under restrictions until further notice.