davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
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. (NV)

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 2024-09-23
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Grant & Weber (GA)

They typed some charges on paper that are fraudulent. They keep calling me threatening legal action and they cant prove this debt is mine or real. Its not my bill. They literally made up a fake bill and debt I dont owe. They said my insurance covered part of it. I was not working then and had no insurance so once again its lies and fraud

. Im tired of being threatened on the phone of lawsuit and cops etc. especially when they made some bill up I dont owe. No coercive reporting Some debt collectors illegally use coercive credit reporting to get people to pay
for debts they dont owe. If those fraudulent debts arent paid, the information can damage your credit. But the CFPB has started cracking down on coercive reporting in medical debt collection. 

Debt collectors are also prohibited from using deceptive tactics to get you to pay. For example, they can not : Claim to be someone theyre not, such as a government representative or attorney Falsify how much you owe or the status of the debt Claim youve committed a crime by not paying Say they are calling from a credit bureau If you believe a debt collector is using coercive reporting or other deceptive tactics to collect money, you can submit a complaint to the CFPB online or by calling XXXX. You can also report them to the FTC.
Consumer complaint received 2024-10-23
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation (CA)

I received a threatening letter from the XXXX XXXX XXXX XXXX XXXX XXXX in regard to a debt that I am not familiar with. I attempted to clear this matter up with the law office but I truly believe that it is a fraudulent company. In the package that they sent it me it warns me not to contact the FTC or any other government agency regarding this matter. They have yet to follow up with the matter but they continue to harass me non stop via email and phone calls.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (OH)

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting a investigation and want validation of any debt that is reported to the credit bureaus. Specifically, I am requesting that you provide the following : Verification of the Debt : Documentation that proves the validity of the debt and my responsibility for it, including a copy of any signed contracts or agreements.Complete Payment History : A full accounting of the debt from the date of origination, including any payments made, interest, fees, or other charges that have been added.Proof of Reporting Accuracy : Evidence that the debt has been reported accurately to all credit reporting agencies.Current Account Standing : Confirmation of the accounts current status, including any outstanding balances and any changes made to the account since it was opened.If any errors or inaccuracies are found during your investigation, I request that you promptly notify all relevant credit reporting agencies to update my credit report as required under the FCRA ( 15 U.S.C. 1681i ). Please note that, under the FCRA, the credit bureau is required to respond to disputes within 30 days, and I expect your investigation to be completed within this time frame as well.Additionally, please refrain from reporting this debt as delinquent or taking any adverse actions against my credit during the investigation period, as required by the FCRA ( 15 U.S.C. 1681s-2 ).
Consumer complaint received 2024-10-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC (FL)

I had gotten a loan to pay for my solar panels and a roof back in XX/XX/XXXX in the amount of XXXX. I called Mosaic on XX/XX/XXXX to let them know about paying them for solar panels while I'm still receiving and pay an electric bill. I was told that solar would help with no electric bill. I was asking Mosaic on how i could be relived of paying for the solar panels that are not working. I was told no. I tried to explain that paying is causing me financial hardship with paying for solar and an electric bill. I was asked by Mosaic to get another company for the solar panels. I was referred to another company that supposedly had taken XXXX place. To my surprise they said I no longer had a warranty because of XXXX XXXX XXXX of business and that I will need to pay them to come out an assess the solar panels. I cab not afford to pay anyone or anybody. Also, I noticed that on my Loan Agreement the Loan # is XXXX but on my monthly statements the Loan # is XXXX. This discrepancy is showing red flags. 
I'm at my wits end with this. I'm in need of a solution.
Consumer complaint received 2024-08-25
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. (NY)

I respectfully ask for you guys to provide proof of the below alleged items, specifically the contract, note, or other instrument bearing my signature for the following account : XXXX XXXX XXXX - XXXX. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber that was contacted to validate this account. 

I also read that under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that I am requesting the description of the procedure used to determine the accuracy under 15 U.S. Code 1681i ( 7 ) Method of verification - Description of Investigation Procedure. Completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. If this information can't be furnished, remove this account from my credit report as soon as possible as this account is injurious to my chances of obtaining credit.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/year> a wire in the amount of XXXX was sent from XXXX XXXX account XXXX to Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX The recipient claims they have not received the money and Bank of America has not replied to 5 recalls initiated by XXXX XXXX. Bank of America is holding my money and will not return it to my account.
Consumer complaint received 2024-09-05
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)

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

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-02
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. (TX)

ive been a victim of ID theft and ive tried multiple times to dispute these items off my credit report however XXXX, experian, and XXXX will not remove these items, its been more than 30 days since i sent in my disputes, i wish to have these items removed ASAP, enclosed with this complaint is my ID theft report
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

I wrote a personal check for {$200.00} on XXXX for a XXXX XXXX XXXX for my home from my USAA checking account. The bank paid out {$340.00} on XXXX for this check instead of the written amount ( both numerical and spelled out ). Check number XXXX. When I called and pointed out their error I was told that they would need to research this and then they would provide an answer to what they found. I stated that it is obvious that they made a mistake and they need to put the difference back into my account. USAA is not authorized to remove money from my account that is not valid. The customer service person said that she can see that it is their mistake, but their policy is to not return the money until a full investigation is completed, even though it is black and white an obvious mistake. I asked to talk to a supervisor and was told no, I was not allowed to talk to a supervisor or a manager. I asked to talk to the group that handles the investigation and was told that no, they do not have phones that accept outside calls. I asked the customer service person to call them internally and was told that they are not allowed.
Consumer complaint received 2024-09-02
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. (NE)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (PA)

Opened a checking account with Truist bank, account was used in the course of business in order to send and receive payments via wire transfer and checks. on XX/XX/year>24 without notice my account was frozen and supposedly closed with over {$37000.00} in the account. Checks to vendors and wire payments to vendors were denied, which then causes a backlog of customer orders as If we can not pay vendors we can not ship orders. This freeze or closure was done without warning and we were never asked for any information nor were we told why this has happened. We used this account exclusively for XXXX  months without issue or any change in business practice.
Consumer complaint received 2024-09-05
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. (NJ)

" 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 ( XXXX ) 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 2024-08-23
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. (FL)

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NE)

TODAY I NOTCED LOTS OF INCORRECT INFORMATION AND INQUIRIES AND COLLECTIONS THAT DO NOT BELONG TO ME. CALLED AND ALSO REPORTED IT. I ALSO SAW THAT I WAS PART OF THE DATA BREACH THAT WAS GOING ON WHERE PEOPLE INFORMATION AND PROFILE WAS WRONG. I WANT MY CREDIT REPORT TO BE CORRECTED. I DID NOT ALLOW OR AUTHORIZE THIS.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I do not believe that there should be any late payments on my accounts for XXXX XXXX account ending in XXXX and account ending in XXXX, XXXX XXXX, account ending in XXXX, XXXX XXXX account ending in XXXX,
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX 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 2024-08-23
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. (IA)

Consumer name ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/year> under the account number ( XXXX ) with a balance of {$5500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent late payments appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.