davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
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.

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 2024-05-09
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. (CA)

This item XXXX is inaccurate because was paid off and it should be in good standing. I am requesting that this item be updated the payment history in good standing. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. A am demanding updated payment history in good standing on the following account :
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

My company was scammed resulting a loss of {$17000.00} due to Wells Fargo 's poor " new Vendor '' verification process. 

An email was sent to me from my supplier on XX/XX/2022 stating the change of bank and account number. The email also indicated the previous bank name and account number. The email also included a letter from XXXX XXXX  with a letter head. Based on that, I changed that bank account with my bank to reflect. 
Last week, I was notified by my supplier that I did not pay for the past three months. I showed them my bank transactions. They denied receiving the payments and denied sending the email requesting the bank account change. 
My bank, Wells Fargo, denied my claim saying that they did their verification. They obviously did not verify that the XXXX XXXX  account owner is not my supplier, XXXX XXXX. 
We checked with XXXX XXXX. They confirmed that this is not a business account nor that it's owned by XXXX XXXX. 
We filed a report with the XXXX XXXX XXXX XXXX XXXX in Florida, case # XXXX.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I believe FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Can you check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2017-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I just received a scheduled foreclosure date from XXXX that my house is scheduled for foreclosure on XXXX, 2017. I called my dedicated Loan Specialist XXXX on XXXX, 2017 to check on the status of my HAMP Loan Modification and left message for her. When she returned my call she did not give me any answer to my call. She only left me phone numbers. I old her in the pass that I can only talk to her about my loan modification and nobody else. Since then I have not heard from her but to get this foreclosure notice. Attached is the foreclosure letter. The letter claimed advertisement is enclosed but there is no advertisement enclosed. 
I checked XXXX paper from XXXX to the time of this complaint the house was not advertised for sale. 
Nationstar Mortgage is not making any effort to modify the loan to a more affordable mortgage payment since XXXX till now. They have been looking for any rabbit hole to foreclose as their intention from the onset was not modify but to foreclose. I did everything they asked me but always come up with lies upon lies which I have disputed many times in the past.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX and XX/XX/. I have reached out to all major credit bureaus to provide the following information a copy of the original contract with signature, a copy of the payment history, the name and address of the original creditor and proof of collection authorization. After several attempts I have yet to receive the requested information
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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/updated.

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 XXXX days before the payment due date. 

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC. (AR)

Ollo Card Services, XXXX XXXX XXXX, XXXX XXXX NY XXXX has always said my payment is late and charge me a fee ; even though I mail it in plenty of time. I have complained to them but they just say mail it earlier. This month, I mailed it TWO WEEKS before due date and they still said it was late. I think they are doing this deliberately to charge me a fee.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Timely payments are a certainty for me. However, I find it puzzling why this company occasionally marks certain months as late, which doesn't align with my records. According to USC 1666b, any billing discrepancies should be promptly corrected and reflected accurately.
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

To whom it may concern, On XX/XX/XXXX, I discovered that two of my checking accounts were restrained, at the request of XXXX XXXX XXXX, for the amount of {$15000.00} each ( for a total of {$31000.00} ) based on a Default Judgement of {$8700.00} issued in XXXX XXXX, NY. On XX/XX/XXXX, I submitted the Exempt Funds forms to the XXXX banks in question ( Fifth Third and XXXX XXXX ), requesting that the funds be released while I obtained legal counsel. While awaiting a hearing pursuant to a Order to Show Cause, we were informed by the plaintiff 's counsel on XX/XX/XXXX that the funds were garnished on XX/XX/XXXX from the Fifth Third checking accounts to satisfy the satisfy the judgement. A Satisfaction of Judgement was provided to me by the plaintiff 's counsel. I submitted a request, accompanied by the Satisfaction, to the two banks to have the remaining restrained funds released on XX/XX/XXXX and again on XX/XX/XXXX. As of XX/XX/XXXX, the funds have not yet been released nor have I received a reply other than to instruct me that the Release has to be sent by the Plaintiff 's attorney. The Plaintiff 's attorney ( XXXX XXXX, XXXX XXXX XXXX ), was notified as well on those dates and has not followed through with submitting the requested documents to the two institutions.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

DISPUTE THE ACCOUNT MULTIPLE TIMES AND TOLD THE AGENT THAT THIS HAPPENED TO ME BEFORE AND THAT THEY REMOVED IT FROM MY CREDIT REPORTS AND TO PROVIDE ME WITH PROOF THAT I APPLIED FOR THIS ACCOUNT.
Consumer complaint received 2024-05-09
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. (CA)

This item XXXX is inaccurate because I have some progress and I am never been late I am requesting that this item be removed or correct the payment history. Please investigate this matter and delete or correct this account as soon as possible. You failed to investigate this account properly and your neglect has violated my rights. Again. Delete or update the payment history in a good standing. 

XXXX Account XXXX. : XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of XXXX XXXX. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

On XX/XX/year> I sent all 3 bureaus a letter requesting validation on the stated accounts but never received a reply from them. 

PLEASE REMOVE ALL ADDRESS, NAMES, AND SOCIAL SECURITY NUMBERS THAT DOES NOT MATCH MY ID AND SOCIAL SECURITY CARD Please REMOVE ALL NOTICES from my Credit Report, as they are ALL Incorrect DO NOT put any FRAUD ALERTS on my Credit Report PLEASE REMOVE ALL OF THE LISTED INQUIRIES FROM MY CREDIT FILE RE : Compliance and Procedures To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( 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.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 

ACCOUNT ACCOUNT # XXXXACCOUNT BALANCE XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (DE)

I reached out to the company in XXXX when I got the mail that my account was negative. They only kept advising me that the fund where with drawn. I advised that I dont leave money in the account why would I withdrawl money from it. None the less the account was suppose to be set up that it would not allow funds to be pulled or withdrawl if the funds are not there so I would not have any kind of NSF fees.
Consumer complaint received 2023-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I request erc to delete this collection off my credit report. I do not have a contract signed with erc. Erc is a debt buyer. They dont have my permission to have my personal information. I request they ceast & desist. I want them to delete this collection ASAP
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX XXXX Date Open : XX/XX/16 Balance : {$0.00}. Please remove.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-05-09
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. (SC)

Federal Trade Commission- specify credit discrimination is illegal, the barriers, prevent a decent living, causing harm to bodily injury, and damaging to personal property. Security Fraud - trading without the owner 's consent, violation of the privacy act, and failure to disclose information. ( These Financial Institutions have created a system that tracks inaccurate information that has affected the approval of credit cards from banks, retailers, mortgage companies, and any other company that uses credit to discriminate against me.
Consumer complaint received 2024-05-09
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NV)

a letter came in the mail. Synchrony Bank asking to verify identity ask they sent a text requesting a picture of the DL License and I worry about identity theft. Is that illegal only Federal Government use this APP. I worry about identity theft from this Bank. Please investigate if looked into other bank accounts, I press charges. Please warn all Banks of possible identity theft it's furniture store credit. Strangle it ask picture of me and denied application suspcious.
Consumer complaint received 2024-05-08
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (GA)

I have a secured loan with OneMain Financial. The unemployment insurance I purchased when I took out the loan has been paying the loan every month since XX/XX/year> because I lost my job in XXXX. The office is well aware of this, yet they call me several times a day everyday during office hours when the payment is late. 

The unemployment insurance recently started rejecting my proof of unemployment, so I'm forced to find a way to pay the loan myself. They have already called me 8 times since Monday and from my understanding, debt collectors and creditors can't call more than 7 times within a 7 day period.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My account with the creditors 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 in those account 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.

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 2024-05-08
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.