davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-01-11
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. (NC)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (GA)

During COVID I had financial issue, like many people, and I got behind on my credit card payments. I worked out a plan with Discover to make payments. In XX/XX/2023 I paid off the balance in full, in the amount of {$5200.00}. 

I asked Discover to send me a letter stating my balance was paid in the full, the amount I paid, and to state I had a XXXX balance on that account. They told me a letter like that could not be done. 

My credit reports show that Discover wrote off the balance. it does not say " Paid in full '' with a XXXX balance. Discover told me that's what it would say.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Solar Mosaic LLC (NM)

XX/XX/2023 : A representative of XXXX and another from XXXX XXXX & Mosaic ( via door to door sales and the high pressure, deceptive acts typically associated therewith ) & gave a sales pitch whereafter documents memorializing the verbal representations were to. XXXX sent to me for review. At no time did I see, review or sign ( electronically or in ink ) any document. Instead, apparently each promptly emailed me 70+ pages of agreements and other documents which were purportedly signed by me. Im a retired attorney. I KNOW not to sign anything I have not read let alone agreed with. Upon learning the extent of this identity theft or fraud, I have spent these last 6 months of my remaining life being given the run around without remedy. Lies, lies. 
Also, Mosaic and either XXXX or their partner, XXXX XXXX have created a {$4000.00} line of credit for XXXX equipment costing approximately {$2400.00}. Mosaic created a home improvement or mortgage for {$17000.00} +. 
I need my full file disclosure from the credit reporting agencies to ascertain HOW they did this behind my back damaging my credit score & causing the clear title on my home to be encumbered. I inherited my home & have worked hard to maintain title free and clear to leave to my XXXX kids and XXXX. At this rate, Ill be dead and unable to leave my home to my kids without Mosaic either lien the property though no solar was ever installed. Im completely exhausted from this awful, horrible, illegal, activity that I am in no way responsible. Please help. 
I have numerous documents including a myriad of emails between the parties which I can upload tomorrow.
Consumer complaint received 2018-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (GA)

An account by the name of Ability Recovery Service opened on XX/XX/2018 was on my credit report in the amount of {$990.00}. This debt has been has been sold I do not owe this agency. I would like this account removed from my credit report indefinitely.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/XXXX I mistakenly attempted to deposit a check as part of a side hustle that turned out to be a XXXX  and a XXXX  check. This check was from XXXX XXXX  in the amount of {$1900.00} with Check Number XXXX and XXXX name of XXXX XXXX. I immediately received an email that a hold was placed on the check. 

On XX/XX/XXXX I attempted to purchase groceries at XXXX with my debit card which kept declining the transaction. I outreached the bank who informed me that my account was blocked due to fraudulent activity. This was a short phone call because I was still inside of XXXX. I paid with my XXXX  card and went home. I had never received an actual notification that my account was being blocked until this phone call. 

On XX/XX/XXXX I called the bank to get additional information about my accounts being blocked to find that XXXX  single XXXX of my accounts were blocked and that there will be no resolution until XX/XX/XXXX. There was nothing they could do for me as my accounts were under review. 

On XX/XX/XXXX I went to my local branch to get assistance from the bank personnel as I have XXXX  auto-debit payments that were now being declined. I can not pay my bills  and I have no access to any of my money. They informed me there was a XXXX  block on XXXX  of my accounts and we outreached the department from the branch. They advised that I was to call back on XX/XX/XXXX and request for my accounts to be reinstated and a resolution would be made. 

On XX/XX/XXXX I called the department back XXXX  and was informed that the case is still under review and I could not obtain XXXX  update. My husband then outreached and even spoke with a " supervisor '' and in the time of his call he was told by XXXX person there would be no resolution until XX/XX/XXXX, followed by being told by the " supervisor '' there would be no resolution until XX/XX/XXXX. With no concern that we can not pay XXXX  bills, etc. 
I returned to XXXX  local branch on XX/XX/XXXX for assistance. We outreached the department again and were specifically told that at the present time we had XXXX direct deposits that were pending. Once these deposits were posted then it would reinstate access and we would be able to access our accounts and funds on XX/XX/XXXX. 

On XX/XX/XXXX I attempted to make a withdrawal from the ATM which I was not able to do. I outreached to the bank again and was told that we would not have access to the funds on this date. I was told that it would be XXXX XXXX XXXX from when the XXXX direct deposits were posted and that also they would be ending the relationship with us. I was told that I can call back on XX/XX/XXXX and make the request for access for my funds without confirmation that I would actually get access that date. I then requested for my funds to be released immediately and they can end our XXXX and close our accounts right now and they declined to do so.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

I was notified by my credit card company on XX/XX/2023 of a possible fraudulent purchase I confirmed it was fraudulent they shut my card off. Two days later XX/XX/XXXX a charged appeared on my account that I did not recognize, I called about it both charges were looked into by credit card fraud security and the charges were reversed. I did not notice any further activity until my XXXX statement arrived and a third fraudulent charge appeared, this charge was the highest one of the three. The third charge also had a transaction date of XX/XX/2023. I reported the third charge and after two and a half weeks I was informed I was responsible for the charge. While on the phone with the fraud investigator he was not aware of the XXXX fraudulent charges before this one. I felt my case was not properly investigated.they did contact the vender about the charge and they apparently felt the charge was not fraudulent. The vender is a XXXX airline and is very difficult to contact.
Consumer complaint received 2024-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-21
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)

I have disputed this account with the CRA 's asking for validation of the debt and they have ignored my request and refused to validate the account as I requested, instead they are saying this account is being validated but not providing proof of validation. Please be advised that In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the rights to privacy ( 15 USC 1681 ( SECTION 6 0 4 A SECTION 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HEARTLAND PAYMENT SYSTEMS INC (NJ)

Company has information on my credit report that is not mine vitamin ID theft in! XXXXI never applied for a loan with them and they sent me a statement that is XXXX yrs old. STATUE OF LIMITION HAS RAN OUT. I WANT TO SEE ORINGAL LOAN DOCUMENTS WITH MY SIGNATURE ETC THEY NEVER SENT TO ME
Consumer complaint received 2024-01-21
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. (GA)

XXXX EQUIFAX and XXXX are reporting a account by the name of XXXX XXXX XXXX per the FCRA and CFR as a federally protected consumer I am opting out of the utilization being reported for this account as a federally protected consumer I am opting out of any and all authorization I the consumer may have given these corporations to report the utilization for this account whether it be written unwritten verbal and non verbal per 2 CFR 910.364 - Reporting on utilization of subject inventions states unless otherwise instructed utilization can be reported to my consumer report I am now herby instructing XXXX XXXX EQUIFAX and XXXX XXXXXXXX XXXX that I do not consent for utilization to be reported for this account related to XXXX XXXX XXXX on my consumer report 2 CFR 910.364 - Reporting on utilization of subject inventions also states the information supplied in a utilization report is privileged and confidential and that only the Government is allowed to be disclosed all the information included in a utilization report this includes all transaction history between I the consumer and XXXX XXXX XXXX. XXXX XXXX and EQUIFAX are not the Government they are credit agencies the utilization being reported is a violation of 2 CFR 910.364 - Reporting on utilization of subject inventions due to the fact XXXX XXXX XXXX disclosed the utilization report to non government agencies. This account is also being reported as charged off on my consumer report a charge off is considered a certificate of indebtedness which means it is income income is non public information and that non public information being reported on my report is a violation of my privacy rights under the privacy act of 1974. The account is also being reported inaccurately XXXX shows the date the account was last active as XX/XX/XXXX while XXXX shows XX/XX/XXXX and EQUIFAX shows XX/XX/XXXX this is a violation of 15usc 1681b reasonable procedures it is required by all consumer reporting agencies to report information which is fair and equitable to me the consumer in regards to accuracy and confidentiality. The reporting of this account is unfair and inequitable to I a federally protected consumer.
Consumer complaint received 2024-01-11
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. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I reviewed my Consumer Reports and noticed that multiple over 30 day late payments were reported on an account of which those specific payments were not over 30 days late. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I was not over 30 days late on these payments reported for : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be.
Consumer complaint received 2024-01-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: UNITED COMMUNITY BANK (GA)

On XX/XX/XXXX, I went inside United Community Bank to refinance my home mortgage loan # XXXX XXXX XXXX XXXX. ( see pages # 's 105, 106 ) ( New Servicer for 3 months XXXX, XXXX, XX/XX/XXXX ) Loan number # XXXX XXXX XXXX XXXX XXXX XXXX. ( see pages # 's 126, 127, 128, & 129 ). ( Servicer from XX/XX/XXXX- XX/XX/XXXX ) I signed a document with United Community Bank that stated they intend to service my loan # XXXX, and if so i will make my payment to them. ( see page # XXXX ). 
United Community Bank have already transferred my loan to XXXXXXXX XXXX, I am still waiting on a information package that my loan been transferred to XXXX, they have not send me any information with thier name on it about my mortgage loan been transferred to them or any information about my principal balance, no monthly billing statement. On Friday XX/XX/XXXX, I was at United Community Bank meeting with XXXX XXXX and Closing attorney XXXX XXXX about some of my documents. Me and XXXX called XXXX about me having not received my welcome package about my mortgage been transferred to them, I asked if they could fax me any documents about the transfer and they said no. But they was able to fax to me at the bank a payoff quote. Today is XX/XX/XXXX monday and i am still waiting on something on hard copy paper about my transfer and principal balance from XXXX Mortgage. I had a Conventional loan, before I transferred my loan to a FHA. and my montgage payment was a {$120.00} lesser, than my payment now. I had know idea they was going to transferred my mortgage loan as soon as they got it. On XX/XX/XXXX I did not do a counter credit, but its listed on my bank statement on-line amount {$620.00} ( Bank of XXXX XXXX Note : Please read pages 1 - 25
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2024-01-22
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. (MO)

I hope this letter reaches you promptly. I am writing to express my deep concern and dissatisfaction regarding the unresolved issues associated with my account at Credit Bureaus. Despite my multiple attempts to address these matters, they remain unresolved, causing significant distress and financial hardship.

initiated the account opening process, and as of today, [ current date ], my account is still not active. This delay is impacting my financial planning and causing undue stress.

Additionally, there are entries related to late closures and charge-offs on my account, which I have been attempting to address. Despite my efforts, these entries persist and adversely affect my financial standing.

Expedite the process of opening my account and ensure its activation at the earliest convenience.

Conduct a thorough review of the late closed and charge-off entries and take the necessary steps for their immediate removal. 

Improve communication channels to keep me regularly informed about the progress made on both issues and the expected timeline for resolution. 

Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the urgency of a swift and effective resolution to restore my confidence in your institution 's services. 

Please acknowledge receipt of this letter and inform me immediately of the steps being taken to expedite the resolution. I am asking for your assistance to correct this late open account and removal of late closed and charge off accounts in my credit file : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX : {$380.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information XXXX be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX. XXXX XXXX XXXX XXXX : $ XXXX XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

in accordance with the fair credit reporting act, Equifax has violated many of my federally protected rights. 

Equifax Is in direct violation of 15 USC 1681. I have the right to accurate information being reported on my consumer report.

Direct violation of 15 USC 1681B- permissible purposes, as I did not give Equifax any written instruction to furnish such inaccurate information Direct violation of 15 USC 1681E ( B ) by failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the furnished report relates to Direct Violation of 15 USC 1666B and 15 USC 6802 please refer to the documents attached to this complaint, stating the facts and information regarding this matter.