davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX of XXXX Reporting of 30-Day Late Payment Account Number : XXXX Dear XXXX XXXX Bank, I am writing to formally dispute the inaccurate reporting on my credit history regarding a 30-day late payment that occurred in XX/XX/XXXX. This discrepancy exists due to my COVID-19-related circumstances during that time. 

As per the CARES Act, which was enacted to provide economic relief to individuals affected by the COVID-19 pandemic, it is explicitly required that lenders report accounts as current if the late payment was a direct result of hardships caused by the COVID-19 virus. I would like to affirm that the 30-day late payment in XX/XX/XXXX was a direct consequence of my contraction of XXXX. 

Under Section 4021 of the CARES Act ( 15 U.S.C. 1681n ), it is illegal for a lender to inaccurately report information regarding a consumer 's account, especially when the reporting is deceptive and noncompliant with the law. Failure to rectify this inaccurate reporting may lead to legal action on my part. 

I kindly request that XXXX XXXX XXXX  take immediate action to correct the inaccurate reporting on my account by removing the 30-day late payment notation for XX/XX/XXXX. This action is essential to ensure the accuracy of my credit report and prevent any unwarranted harm to my creditworthiness. 

If XXXX XXXX XXXX  fails to correct this issue within 30 days of receiving this letter, I will have no choice but to pursue legal action for false reporting, deceptive practices, and civil liability under 15 U.S.C. 1681n. I sincerely hope it does not come to that, and I trust that XXXX will take this matter seriously and act in accordance with federal law. 
I appreciate your prompt attention to this matter and request written confirmation of the resolution once the inaccurate reporting has been corrected. 

I have also sent this letter to the Federal Trade Commission, California Department of Financial and Professional Regulation, Office of the Attorney General, Department of Banking and Finance, Office of Thrift Supervision, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Advocates for Fair Credit Reporting, Consumer Financial Protection Bureau XXXX XXXX
Consumer complaint received 2023-09-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Velocity Portfolio Group (KS)

I received notification From CKS Prime Investments collecting from XXXX XXXX. I have never heard of any of them. I did some internet searches stating both companies were nothing but fraud. I did not do anything. Then I started receiving letters from lawyers stating they would like to handled my case. I didnt know there was a case out there against me.

I was served papers. I called the courthouse to see if these were real. I was told to call the Plaintiffs lawyer. I called their lawyer and I explained that my named was spelled wrong and that I was not XXXX. I told her that was usually for XXXX. She told me that the people that took out this credit card was in New York. I have never lived in New York or had family or friends that live there. She told me she was going to file fraud paper work and get the paper out to me to fill out. I have not received them as of yet. 

I also started complaining to XXXX XXXX  and had quite a few texts from them. They told me to email them. I did then never heard a word. I sent another text, that time the text was not that nice. 

Im at a loss and dont know what else to do please help
Consumer complaint received 2023-09-14
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. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. DEPT OF EDUCATIONXXXX XXXX and DEPT OF EDUCATION/XXXX  XXXX were still showing late payments on my credit report in violation of Federal Law. Under the FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ASSOCIATED BANC-CORP (MN)

On XX/XX/2023 I received a phone from a woman named XXXX claiming she was from Associated Bank. I returned the call from the number XXXX. The recording says that it is associated bank and asked to state the nature of the call, I said it was a return call. I was connected with someone who said they couldn't tell me why I got the phone call unless I verified my information. I was at work and hung up and figured they were calling because my account balance was - {$240.00}. I called back again around XXXX the same day. Thinking this was the bank the woman on this call asked to verify my information. I ended up giving out my account number and the last 4 of my social. She then told me that there was no account and then asked for my ENTIRE social security number and at this point I stopped and did not give it out. I asked to be transferred to my bank and she stated she was not able to do that because she is from a different branch. I called my actual bank, told them what happened and made an appointment to go and have my account changed ( checking ) I called this company again because they claim if you return the call to them they can ask you to verify your information. However, the last call I made I had hung up, this gentleman called me back and I asked several people what the call I got was for were unable to tell me but somehow this man was able to figure out my account was overdrawn ( I never disclosed that information ) and called me back to tell me he was able to figure it out without verification then asked when I will be depositing money into the account. I hung up on him.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: V and H Portfolio (IL)

Vance and Huffman. LLC Purchase a account from XXXX XXXX  that I never had in the Amount owed of {$5800.00} in XX/XX/2023 and its reporting on my credit report..I reach out to the company for a validation letter and signed contact no response.
Consumer complaint received 2023-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (AZ)

After paying the refinance amount, I called the store manager and spoke to XXXX. He said that yes, I am able to refinance but hes not going to let me, because he feels like I should pay more interest first. I said, so Im eligible and able via TitleMax but you personally are not going to let me, due to your personal feelings? He said yespay more interest and then I might let you. I already paid the refinance amount and he said too bad. Im not letting you. This is illegal. I paid it already. I then asked for a District Managers number and corporates number. XXXX said no. Then he gave me the number to collections and said it was Corporate. They said no this is not, and XXXX purposely gave you the wrong number. I requested a call from the DDOwho was supposed to call me three weeks ago.
Consumer complaint received 2023-09-13
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)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2023-09-13
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (NY)

Around XXXX XXXX  on XX/XX/XXXX - I called the customer service number. I made payments but I still had customer service call me to find out if payment has been posted.

The customer service person was slurring and sounded drunk/high. When I told him I can not understand him. He became aggressive and started yelling the answers at me.

I asked him if I have a balance he said no. I told him I keep getting calls from bill collector than he says yes I have balance. 

I told him I have 2 cards. One is store card and one store mastercard - which one has balance. He said he CAN NOT tell me.

I authorized who I am and recited last 4 numbers of the 2 cards so I know which one to pay. He kept cutting me off saying NOPE, NOPE, NOPE.

Than I told him he is extremly rude and I need a manager. He than mumbled " Too Bad '' followed by I am sorry after I mentioned I am reporting to CFPB.

This person sounds unhinged and I am afraid he has access to home address, social security number etc.

This is how peoples credit score gets impacted and creditors show missing payments when trying to make payments. 

I still do not know which account has the balance and how to pay it.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have experienced debit card fraud twice with Huntington bank now. I have had {$980.00} stolen from me over the past few months. Before the month of XXXX my account was never overdrawn by myself and now I cant keep up with all the fraud. Huntington provided provisonal credits while they investigated back in XXXX. They claim I authorized the transactions in the state of Florida while I was present in Ohio at the time. {$640.00} was taken in XXXX and {$330.00} this month. Now my accounts are locked out. I cant access anything in my name. I went into the branch today and I was able to take some cash for the time being but I need to be able to pay my online bills. This is honestly ridiculous. I requested the documents they used to prove I authorized the transactions back in XXXX and they have failed to provide them now for the second time. My account is on hold and frozen and I cant access anything. I need help!!! Huntington bank has failed to help me in this time of need! XXXX!
Consumer complaint received 2023-09-13
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)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

1

5 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 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third-party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.
Consumer complaint received 2023-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (SC)

All of my debts were paid over XXXX  years ago and I have not been to a doctor or a hospital in over XXXX  years. This collections account from Wakefield and Associates randomly appeared on my credit report in XXXX. This account does not belong to me and this account is not mine. I reached out to the collection agency to request proof of debt and proof of the origination of the debt. I also requested proof of where the debt originated. They did not respond or provide the requested information. This company is a scam and they are a fraudulent company. This is not my debt.
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: Experian Information Solutions Inc. (NJ)

Company in violation of this Law IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information, pursuant to, The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act 's main goals are to balance the government 's need for information with the rights of individuals to privacy. 
The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual 's record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Request for Immediate Correction of Errors on My Experian Credit Report To whom it may concern, I am writing to formally request the correction of multiple inaccuracies on my Experian credit report. I have noticed several errors that are not present on reports from the other credit bureaus, and I would appreciate your immediate attention to these matters. 

1. XXXX XXXXXXXX XXXX XXXX  Account : My report shows a delinquent balance of {$7000.00} on this account, but this balance has been paid and settled in full with the creditor. I initiated a dispute with Experian, but it has taken too long for this error to be corrected. 

2. XXXXXXXX XXXX XXXX Account : My report shows a balance of {$69.00} that has not been updated since XXXX. This account has a XXXX balance and has been closed by the creditor, yet the outdated and inaccurate balance remains on my report. 

3. Collection Accounts : There are three collections listed on my Experian report that have been paid in full and settled with the collection agency. These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These discrepancies are negatively affecting my credit score, and I urge you to update my report as soon as possible. Please confirm when these corrections will be made. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2023-09-13
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. (NC)

I XXXX XXXX examined my credit report and found that a late payment dated XX/XX/2023 from XXXX XXXX XXXX XXXX. 

According to law Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A credit note or a late payment is considered a transaction ''.

Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please Remove this Credit note/transaction. It is illegal and it is affecting my credit worthiness. I never signed my WET SIGNATURE nor gave XXXX XXXX XXXX XXXX WRITTEN INSTRUCTION to report information to the credit bureaus.
Consumer complaint received 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-07-17
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. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION (OR)

I set up autopay and bank did not withdraw funds while my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Truist is at fault. Bank ERROR! They will not fix or remove incorrect information from my credit file. 

Truist is not well run. The bank merger is well known to be problem. All you have to do is search and hundreds and hundreds of other people report the same problem with the bank. Even during the latest bank investor conference the CEO admitted their bank technology needs to be updated. TRUIST has a problem and won't admit the autopay did not function as it was supposed to. 

I am very upset. 

I have tried to speak with Truist. I have complained on here repeatedly. 

TRUIST not only did not withdraw payments for the mortgage they also have reported different information to different bureaus and incorrect in part. Trying to bank with Truist is a nightmare. Truist DOES NOT CARE! How can Truist run ads and say what they say to shareholders? 

I have screen grabbed info from the shareholder meeting. I also grabbed other peoples complaints online for the bank not processing payments and employees complaining about the bank technology not working. TRUIST did not process while my family was going through a horrible death in the family. AND now I am having to write complaints about the problem TRUIST created.
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (FL)

I received notice that a third party debt collector was trying to collect from me regarding an account thats not listed on my credit report. I was contacted the first time on Tuesday XXXX. I never had any knowledge of the debt. My ex wife was listed as a admin with access and I was primary but none of my contact info matched what Ive had since I divorced even. The debt collector has all of the addresses where statements were mailed when she moved. They have all of the info. I have never seen info on it until now. 
The amount totals XXXX and are offering a settlement of XXXX.