davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (AZ)

My complaint is again XXXX XXXX XXXX XXXX XXXX out of XXXX AZ, Against XXXX XXXX, and XXXX XXXX XXXX. 

XXXX XXXX XXXX  has allowed one of their sales reps named XXXX XXXX XXXX to sell and open 4 fraudulent solar accounts with my first name, last name, and social security number claiming I was a joint applicant. The address range from XXXX arizona to XXXX XXXX arizona and XXXX Arizona. I have filed a police report and provided it to both Loan companies. I have also provided my credit report, tax records to prove I do not own the homes where the solar has been installed. My credit now holds over {$200000.00} in fraud solar accounts one is even over 100 days past due and is ruining my credit. I need these accounts to be removed from my name and credit report. My credit was also ran by both accounts in the upper end of 15 times and I want those inquiries removed off of my credit report. I was just denied a loan due to, to many inquiries and to many delinquent payments. This type of fraud should have never happened. Had proper screening been done and proper documents been collected I would not be a victim of fraud. I am also aware from all 3 companies that XXXX has committed multiple fraud accounts through these companies yet I still do not have a resolution. I have also provided all documents requested and still not resolution. There is no protection for consumers and if there was I would not be getting treated like I committed the fraud. XXXX needs to be prosecuted and held accountable. I am asking that this be looked into. I have also provided the companies with the detectives information and emails for the case as well.
Consumer complaint received 2024-09-21
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. (NC)

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 informationisinaccurate.
Consumer complaint received 2019-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1900.00} was put on my credit by Midland Funding. Then a civil judgement was put in order in Texas against someone with my same maiden name. After contacting Midland and then informing them that it was placed under the wrong person since the social for that account is different they refuse to fix the situation. I provided them with my license and social security card. This is a violation of the fair debt collection policy and they are doing nothing to remove this from my name.
Consumer complaint received 2023-09-04
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: ALLY FINANCIAL INC. (FL)

I am writing to address a credit inquiry made by your organization on my credit report, which I did not authorize or give consent for. This inquiry was made on XX/XX/2021 and was in connection with my car purchase. 

I wish to clarify that I had a pre-approval from XXXX XXXX for financing the purchase of my vehicle, which was finalized on XX/XX/2021. The pre-approval from XXXX XXXX was a significant factor in my decision-making process when selecting a lender for my auto loan. I had no intention of applying for credit from any other financial institution.

To my surprise, I received notification of a credit inquiry made by your company, which I did not initiate or provide consent for. This unauthorized credit inquiry has the potential to negatively impact my credit score, and I am concerned about its implications.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 Re : Request for Verification and Removal of Late Payment Entries Dear Sir/Madam/To Whom It May Concern, I am writing to formally request the verification of the late payment entries posted on my credit report by XXXX. According to my records, there have been several instances of late payments reported on my account.

Under the provisions of the 15 U.S. Code 1666b and 15 U.S. Code 1637, I request that XXXX provide detailed tracking numbers for each instance where a late payment was reported. Specifically, I need documentation proving that each periodic statement was mailed or delivered to me at least 21 days before the payment due date. This request includes the following information for each late payment entry : The date the statements were mailed or delivered. 
The tracking numbers for the statements Proof of delivery confirming the statements were received at my address Procedures XXXX has in place to ensure compliance with the 21-day rule before reporting late payments. 
If XXXX is unable to provide this documentation for any of the reported late payments, I request the immediate removal of those entries from my credit report with each credit bureau ( XXXX, TransUnion, and XXXX ) as they would constitute a violation of the relevant statutes. 
Please treat this matter with the urgency it deserves and provide the requested within 30 days of receipt of this letter. Failure to comply with this request will leave me no option but to pursue legal remedies for violators of the Fair Credit Billing Act and the Truth in Lending Act. 
I look forward to your prompt response and resolution of this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-02-15
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

on XX/XX/XXXX, i wrote to Capital One in reference to their reporting on my credit report and put them on notice about them continuing to report activity on a closed/charged off account which is CONTINOUSLY causing damage to my credit. This per said account charged off for loss in XX/XX/2018. From the IRS website it states that whenever a account is charged to profit or loss/closed reporting must CEASE from that date and no more than 90 days you must report the date of first delinquency that led to the default and that date is to be considered the commencement date of default. This account states CHARGED OFF AS BAD DEBT and has still reported CO which credit bureaus refer as CHARGED OFF. An account can only charge off 1 time. The reporting of CO after the closed date shows inaccuracies and should be removed IMMEDIATELY for not complying with Section 623 15 USC 1681a as this has caused me to not get qualified for a home mortgage. Also when an item is wrtten off for loss, the company notified the IRS that the debt was considered a loss, but to date I have yet to receive a 1099c form to be able to notify the IRS that the debt was written off and I can report it for income. The company has failed to meet he obligations of the IRS and has me feeling as if Im committing tax fraud right along with Capital One. Please help me resolve this matter as I have put them on NOTICE 2 times before and now I will be seeking STATUTORY and PUNITIVE damages for their negligence
Consumer complaint received 2024-09-21
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. (FL)

I am request the removal of an inquiry listed on my credit report that was made by your organization. This inquiry is not confirmed and lacks verifiable evidence. In accordance with the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 et seq., Section 604, I request that you provide **physically certified verified proof** demonstrating the legitimacy of this inquiry. 

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 XXXXXX/XX/XXXX Once this has been resolved, please send me an updated copy of my credit report reflecting these changes. 
Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

Equifax has multiple mailing addresses : XXXX XXXX XXXX XXXX GA XXXX and zip code XXXX XXXX XXXX XXXX XXXX GA XXXX & and zip code XXXX XXXX XXXX XXXX XXXX, GA XXXX Thise addresses are from the many letters I have received from them in the past 9 months. 

On their website, it says send to dispute documents to : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
I paid postage to send over XXXX pages of documents to the address above via certified mail on XX/XX/2024. I called to confirm if they were received the documents that included sensitive information ( copies of my driver 's license & social security number ). The representative said that I sent them to the wrong address. I explained that the adress is listed on the website and she gave me a completely different address : XXXX XXXX XXXX XXXX GA XXXX I have a fraud alert on my account because I have been a victim of identity theft multiple times. XXXX can not verify my identity over the phone. They are using fraudulent info on my account as if the info is true/correct/valid to verify my identity. For example, the representative asked if I had a loan with a company. If so how much are my payments. I told her that I have student loans and do not have payments because I am a student. I do not have and have not had any loans in my name. 
The representative also asked what was the exact date I placed a fraud alert on my account with Equifax. I told her that I did not know because I have fraud alerts and account freezes with all XXXX credit bureaus ( Equifax, XXXX and XXXX ) and that I have been filing disputes with them for over a year now. 
I don't know anyone that knows the exact date they place a fraud alert placed on their accounts. 

With multiple mailing addresses for the same company on the multiple pieces of correspondence that I have received from Equifax, they are making it nearly impossible to file a dispute, make corrections for anything on my credit report, or even communicate with them over the phone. I can not access their website because they can not verify my identity online.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

My ex along with a wells fargo rep opened a joint account and cashed my unemployment checks totaling XXXX XXXX dlrs I was in XXXX being held against my will and it took me about 3 months to escape when I got back came to find out what she had done so I filed for divorce it was not contested she didn't even go I filed all the paperwork required by the unemployment department and send copies to wells Fargo they never responded still today when I call they say there's nothing in the system but there has to be because unemployment has the cashed checks and also there another issue with a car I had for my ex her name was on there for the purpose of insurance and because she drove that car but I was the only one in charge of the finances including this car I had just gotten her her immigration papers so she didn't work at that time well they sent a check but I can't cash it there holding on to it i did get her to endorse the check and deposited via ATM well they eant me yo take her to the bank putting me in a bad position she is remarried and like I said we don't talk so I figured worst case scenario give me my half though she does not deserve it so if you can help I would really appreciate it all of this has gotten upset all over again and wells fargo determination to have me deal with my ex is unacceptable it's gotten me really upset having to relive those moments
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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. 

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 and list of Inquiries. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  both accounts above are not mine!! 
and my name is : XXXX XXXX XXXX my birth year is : XXXX, NOT : XXXX
Consumer complaint received 2024-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/2023 I was informed that my mortgage was being sold to Chase and that Chase would continue my automatic ( bi-weekly ) payments ; nothing was needed. Then I got an email saying it didn't go through for some reason. I resumed automatic payments. In XXXX I started receiving calls from Chase but no voice mail was left. In addition, Chase 's phone number is flagged as spam by my carrier for some reason. Chase called several times from a strange number and never left a voice mail indicating anything was wrong. I called them and they told me I was somehow behind on my payments and that I needed to make an extra payment because I am supposed to pay ahead of time when on a biweekly payment amount, even though nothing changed. Somehow I was able to come up with an extra grand and the waived the " late fee ''. Now in XXXX I am getting calls again from the same " scam likely '' call, no voice mail whatsoever. I reach out and they explain that somehow, I am behind on a payment because they didn't apply the payment right ; they applied the extra payment they told me to send them to the wrong bucket and somehow it's again my fault, requiring me to call and wait for them to fix their issue. 
At this point is is starting to sound like this is a pattern with Chase. This sounds like something XXXX XXXX would do to keep people in vicious cycle of never ending late fees. Despite them waiving this extra late fee I am seriously concerned why I need to reach out to the bank to help them correct the issue and why they call, refuse to leave ANY voice mail and make me track them down. Again, this seems like a pattern of deceptive business practices and I am hopeful CFPB can rein in this awful bank.
Consumer complaint received 2024-01-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/, at approximately XXXX XXXX I sent a payment to an individual named XXXX XXXX thru XXXX for the amount of {$670.00}. He said the payment was complete and would send merchandise out. I sent him a message the following day, he responded. The following days he did not respond, I could see he had received and read the message from the identifier on the XXXX XXXX. 
I filed a dispute on the charge and explained what happened to Bank of America. They send me a letter said it was not approved.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please be advised this is my WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite the previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts, inquiries, inquiries, addresses, and phone # be verified or deleted immediately. 

Accounts TO BE REMOVED : 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 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