davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
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. (GA)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

On XX/XX/XXXX, I deposited a check through a mobile deposit into my checking account that I hold with Capital One, this check was for {$1400.00} which I received through VA XXXX XXXX dependents education assistance. This is the second check that I deposited through the same institution, the first check was for {$140.00}, however this one was cleared within 24 hours. The check for {$1400.00} was initially supposed to be cleared by the following Wednesday however on that day I received an email detailing that my funds would not be available until XX/XX/year>, This 60 day hold is excessive. I called the company three times and each time I have been told that they are waiting for the US Treasury to send back confirmation that the check may be deposited. currently I have the funds in my account but they are not available to me.
Consumer complaint received 2024-10-04
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (IL)

I am writing to formally dispute the erroneous reporting of debt and the repeated collection attempts that have negatively affected my credit report and personal peace. 

On XX/XX/year>, my past landlord reported an incorrect amount owed to their company and subsequently sent this amount to collections. Despite my attempts to resolve the matter directly with my landlord and confirm the accurate amount due, they failed to correct the error and allowed the incorrect information to be submitted to a collection agency. As a result, this false debt has been reported to the credit bureaus and now appears on my credit report as a negative mark. 

This incorrect reporting has unfairly damaged my credit score and my financial standing. I have taken significant steps to maintain good credit and avoid issues like this, making this situation particularly troubling. I have been diligent in fulfilling my obligations, and this error is through no fault of my own. I kindly request that the incorrect debt be removed from my credit report and that any actions taken by the collection agency be reversed immediately. 

Additionally, I have been subjected to repeated mailings and phone calls from Jefferson Capital Systems regarding multiple accounts. These calls and mailings are frequent, intrusive, and often concerning debts that I do not recognize or have previously disputed. The constant harassment is causing undue stress and frustration, and I am asking that these calls cease immediately. 

I am requesting an urgent investigation and resolution of these issues to prevent further damage to my credit and personal well-being. I am prepared to provide any supporting documentation necessary to correct this situation. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-04
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: The CBE Group, Inc. (TX)

The following fraudulent inquiries 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
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I paid a portion of my bill in XXXX XXXX and XXXX paid the reminder of the loan in full on XXXX XXXX and my account was still reported as XXXX late during that process I get XXXX to be consider late and my account shouldnt been consider XXXX after my due day which is the XXXX of every month
Consumer complaint received 2024-08-18
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. (AZ)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

To Whom It May Concern, I am writing to formally request the removal of a hard inquiry from my credit report related to my recent auto loan application, which was denied. The inquiry, which negatively impacts my credit score, does not meet the standards of lawful consideration under the Fair Credit Reporting Act ( FCRA ), and therefore must be removed. 

Lack of Lawful Consideration In legal terms, **consideration** is an essential element of any contract or transaction. For a hard inquiry to remain on a consumers credit report, there must be a benefit or value received in exchange for the consumer 's consent to the inquiry. However, since my auto loan application was denied, I received no benefit or service from the creditor. Consequently, the inquiry lacks the lawful consideration required to justify its presence on my credit report. 

Applicable Law The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, governs permissible purposes for credit inquiries. According to the FCRA, a creditor or business may only request a hard inquiry on a consumers credit report if they have a legitimate purpose, such as in connection with a credit transaction that the consumer has initiated. 

In my case, while I did initiate the auto loan application, the denial of the loan means that no credit transaction or service was ultimately extended to me. Since I received no benefit or tangible outcome from this inquiry, the continued presence of this inquiry on my credit report is both unjustified and harmful to my credit score. 

Request for Removal I kindly request that your bureau immediately remove the hard inquiry from my credit report, as it was conducted without the provision of any benefit or lawful consideration. Keeping the inquiry on my credit report serves no legitimate purpose under the FCRA, and its removal is necessary to restore the accuracy of my credit history. 

Please confirm in writing that this inquiry has been deleted from my credit file. I have enclosed a copy of my credit report for your reference and the details of the specific inquiry in question. Should you require any further information, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this unauthorized hard inquiry.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (OH)

I have disputed these accounts several times and reached out asking where is my authorized signature stating my consent to do business with them. They never send my signature meaning they illegally obtained my information from a bank or another consumer via internet or third party organizations. I asked to deleted off my credit report for it is affecting my score and other means of business. 


15 USC 6802 illegally obtaining my information. 15 USC 1681B still havent received written verification of my signature stating I opened up an account with this business. 18 USC 1028A no lawful authority to use my info.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (KS)

I am writing to file a formal complaint regarding attempts by a debt collection agency to collect debts that I do not recognize or owe. The collection agency has failed to provide adequate validation or confirmation of the legitimacy of these debts, yet they continue to contact me. 

Despite my attempts to resolve this matter and obtain proper verification, the debt collector has not provided the necessary information to substantiate the debts. I believe that the actions of the debt collection agency are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

As outlined in 15 U.S. Code 1692c, debt collectors are prohibited from communicating with a consumer regarding a debt at an unusual time, place, or manner that the consumer has indicated as inconvenient. Additionally, communication must cease if the consumer has informed the debt collector that they refuse to pay the debt or request that communication stop. I believe these rights are being violated in this case. 

I request that the CFPB investigate this matter to ensure that the debt collection agency complies with all applicable federal laws and that my rights are fully protected. I also request that further communication from the debt collector cease unless they can provide full and valid confirmation of the debt.
Consumer complaint received 2024-10-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC (SC)

I did a loan modification with Loan Care previously. After XXXX XXXX, I reached out to the company due to me not being able to work for days due to the hurricane. I spoke with XXXX and advised him of the prior modification. He advised me that I had the option to do another one and sent out the paperwork and ended up providing me with misinformation. I spoke with several representatives before I finally received word from a representative that I didn't qualify for another one. Loan Care is terrible with communicating with customers because their team doesn't operate on the same page. One person tell you one thing someone else tells you another or pertinent information isn't disclosed. This is totally unacceptable. I sent several emails to XXXX and XXXX over a week ago and I still have not received a return call. The message I received was : Thank you for contacting us! Your inquiry has been forwarded to the team of specialists experienced in resolving your issue. Our hours of operation are from XXXXXXXX XXXX XXXX XXXX XXXX. Eastern time. We will provide you a response as quickly as possible. I also spoke with another member of management who was very rude and caused me to have an anxiety attack after our conversation and I am not happy with the way the call was handled. I explained to her that I knew after speaking with a representative at that time that I didn't qualify and she continued to say the same thing during the call and was terribly rude.
Consumer complaint received 2024-08-18
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. (MD)

I sent a letter regarding an inaccurate and unknown things on my credit report, Items under my name that is a result of Identity Theft and I have already files the proper documentation for these and.to this day over 45 days later the bureaus but they did not remove them. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly.
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 1st Franklin Financial Corporation (GA)

I WAS REVIEWING MY CREDIT REPORT AND WAS ALARMED BY THE FRAUDULENT ACCOUNTS AND INQUIRIES REPORTING. PLEASE SEE ATTCHED DOCS. 


I WOULD LIKE THE FOLLOWING ACCOUNTS DELETED WITHIN 5 DAYS. 

ACCOUNTS ARE : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( CLOSED ) XXXX AND 1ST FRANKLIN FINXXXX. 

PLEASE DELETE THE INQUIRES REPORTING ALSO. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I started the process of repairing my credit as it is important to me. I settled and closed the accounts that were listed on all XXXX credit reports. I also disputed any inaccurate information on all XXXX credit reports. I followed all instruction given to me by all XXXX credit bureaus. I called all XXXX credit bureaus to confirm that all information and payments were received, they sent me letters confirming that the paid/settled accounts were closed. I lowered the balance on all active credits cards and made sure they were all in good standing. I also registered with XXXX XXXX to make sure I monitor my credit report daily as instructed to do so. However, there has been XXXX change in my credit score, all XXXX credit bureaus are providing completely different information as well as XXXX XXXX. Example : XXXX site is stating my credit score is XXXX, but XXXX site is saying my XXXX  credit score is XXXX. I pay a monthly fee to monitor these XXXX reports and I feel like no matter what I do or what instruction I follow or what monthly fee I pay, I am being scammed because I have yet to see any significant changes in my credit report & score. I am being given the run around and non of my questions answered, and if I want " more access '' its a different fee added. Now that I am complaining to them, all of a sudden I have no access to my accounts. This is exhausting and discouraging. I am trying to make things right with my credit and I am getting no where. I truly need assistance with this matter as I feel I am being scammed by all XXXX credit bureaus and XXXX XXXX
Consumer complaint received 2024-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX XXXX XXXXXXXX {$1500.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with LVNV FUNDING LLC. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, LVNV FUNDING LLC has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (PA)

In short, I applied for a Citi card and was unreasonably denied because Citi refused to verify my address and have not conduct required verification in good faith. 

I applied for a Citi AAdvantage card and was denied due to my address on the application can not be verified. Application ID is XXXX. The address I've put down is currently on one of my active Cti cards and have been on my credit report since 2014. Some of my current ( and also likely some closed ) Citi cards have had this address on record within the last 5 years. Stating that my address can not be verified seemed ridiculous, as if they are too lazy to conduct such a trivial task. In addition, no further reason was given beyond the aforementioned, and that no documents were requested for me to prove that the address is valid- which is very unhelpful and disappointing, given that a credit inquiry was recorded on my credit report.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (GA)

Reviewed most recent credit report and I noticed a collection that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection in question did not belong to me. 

Under code 15 USC 1692g, 15 USC 1681C-2 & 15 USC 1681S-2 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-10-07
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: DISCOVER BANK (MS)

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 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (DC)

On XX/XX/XXXX XXXX filed ( XXXX )! items under disputes/ claims from the Merchant. Claim # XXXX -- for {$280.00} and {$100.00} from XXXX -- Bill Payment. The Consumer has a post paid contract cellular account with XXXX. Consumer had filed FCC complaint against XXXX for billing irregularities dating from XX/XX/XXXX. The XXXX audit for billing was required in order to find overpayments and duplicate payment. Consumer advised and reported two claims with Chase Bank on a checking/debit card 'Secure Card ' account. This account is technically a prepaid type account and holds no value as it has no checking options nor wire transfers acceptance. 
Consumer opened the claim for dispute on XX/XX/XXXX. Chase Bank offered a provisional temporary credit in the {$380.00} to the account holder. The communication with Chase 's Claims Department were understood ; a investigation and letter of claim were to be sent to the XXXX XXXX On XX/XX/XXXX ; chased reversed the temporary credit of {$380.00} back to the account holder and didn't run an investigation, refused to send copy of claim or charge back to the XXXX XXXX Chase also refused to file a claim on ( XXXX ) additional disputed amounts. XXXX had advised the account would be under audit and would be completed by XX/XX/XXXX. Chase closed the claim on XX/XX/XXXX and reversed the provisional credit ; claiming these are disputes with the XXXX and should not be handled by Chase. The account holder informed Chase XXXX requested for consumer to refile the claim ; since they never received an initial claim in order to work with the account holder. Chase has refused to refile the claim and stated the account holder would be responsible for any credits reversed on the account.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc (GA)

I was incarcerated since XXXX, and recently released in XXXX, me and my childrens were victims of identity theft and this is XXXX of the accounts that was open. 
SYNERGETIC COMMUNICATION {$XXXX} Last reported on XX/XX/XXXX I am asking that this be removed from All XXXX credit beareaus because I am a victim of identity theft and this should not be on my credit considering I have no knowledge of this account