davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (AZ)

I ordered a new card this year after receiving a new card with same numbers my info was somehow stolen some one has been using my card info to make transactions and withdrawals since XXXX of this year and the credit company told me I can only file up to the date of XX/XX/XXXX or this company only accepted one transaction out of multiple transactions and withdrawals that I could only report before XX/XX/XXXX. I heard that if fraud is reported there shouldnt be a time frame on what I can and not report. This company denied me XXXX times when clearly both withdraws I am on the the other side of town and XXXX of them was at XXXX am the other I was at XXXX and the withdrawal was across the city. Also I have more withdrawals and transactions to report but they gave me a time period on what I can report
Consumer complaint received 2024-05-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (TX)

Summary : Planet Home Lending , LLC ( PHL ) has reported I have an escrow shortage two years in a row ( XXXX XXXX XXXX XXXX XXXX due to a failure on their part to make accurate predictions in local property tax annual growth, both of which resulted in grossly increased minimum monthly payments despite my VA home loan being on a fixed rate loan. After paying off the escrow shortages for both years and requesting that my escrow account be deleted so that I may pay for local property taxes and homeowner 's insurance myself, Planet Home Lending has failed to respond in a timely manner ( total of 44 days since initial signed letter request to delete escrow account after satisfying the escrow shortage ) and has maintained my minimum payment increase due to this escrow shortage. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX Payments : - PHL Reported Escrow Shortage - {$4900.00} - Prior Minimum Monthly Payment ( w/o Shortage ) - {$1500.00} - New Minimum Monthly Payment ( w/ Shortage ) - {$2100.00} ( + {$560.00}, or XXXX XXXX  increase in monthly payments ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX Payments : - PHL Reported Escrow Shortage - {$3900.00} - Prior Minimum Monthly Payment ( w/o Shortage ) - {$1300.00} ( after new state tax exemptions ) - New Minimum Monthly Payment ( w/ Shortage ) - XXXX XXXX XXXX XXXX XXXX, or XXXX % increase in monthly payments ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Timeline** : XX/XX/XXXX - PLH Notifies Homeowner of XXXX Escrow Shortage XX/XX/XXXX - PLH Reduces Minimum Monthly Payment ( due to new state tax exemptions ) XX/XX/XXXX - PLH Notifies Homeowner of XXXX Escrow Shortage XX/XX/XXXX - Homeowner XXXX Request for Escrow Account Deletion XX/XX/XXXX - PLH Provides Instructions for Escrow Account Deletion, Demands Escrow Shortage Be Paid XX/XX/XXXX - Homeowner XXXX Request for Escrow Account Deletion, Pays off Escrow Shortage XX/XX/XXXX - Homeowner XXXX Request for Escrow Account Deletion XX/XX/XXXX - Homeowner XXXX Request for Escrow Account Deletion XX/XX/XXXX - PLH Acknowledges Request and Promises Response by XX/XX/XXXX XX/XX/XXXX - Homeowner XXXX Request for Escrow Account Deletion, No Response from PLH ( as of XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- - **minimum payment not reduced to remove escrow shortage despite being paid off throughout this timeline
Consumer complaint received 2024-01-29
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. (MA)

I am writing to bring to your attention a matter of concern regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Despite my initial contact, I have not received a response from Equifax as of today 's date. 

Details of the inaccurate information and necessary corrections are outlined below : The following account with XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$500.00} ) was never late. Please correct/update this inaccurate information on my credit report. 


The XXXX account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) is not mine. I request the removal of this account from my credit report.
Consumer complaint received 2024-01-29
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. (RI)

XXXX, XXXX and Equifax per 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved Thank you XXXX XXXX XXXX
Consumer complaint received 2024-05-29
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: WATERSTONE MORTGAGE CORPORATION (FL)

in accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights 15 U.S. C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1881 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 tem of information, other than records of convictions of crimes which antedates the report by mote than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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.

Delete the accounts below. 



XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX factual data XX/XX/XXXX XXXX factual data XX/XX/XXXXXXXX XXXX factual data XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX factual data XX/XX/XXXX XXXX factual data XX/XX/XXXX XXXX  factual data XX/XX/XXXX XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consumer Collection Management. Inc (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri identity theft laws, specifically Missouri Revised Statutes Chapter 570, Section 570.223.

It has unequivocally come to my attention that ( company name ) has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 570.223 of the Missouri Revised Statutes, underscores the severity of unauthorized access and misuse of personal information. This statute addresses identity theft and fraud, making it clear that unauthorized use of someone's personal information is illegal and subject to severe penalties.

I assert with unwavering certainty that I have not provided consent for ( company name ) to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that ( company name ) immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 570.223 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that ( company name ) will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (VA)

I financed a vehicle with Hyundai Motor Finance on XXXX XXXX and XXXX XXXX XXXX 

On XX/XX/2024. I owed {$8400.00}. I paid {$9000.00}. I wanted to cover all interest that accrued daily. 

I have requested a refund of the amount overpaid for over a month and my title. 
Hyundai Motor Finance refuses to issue my refund or my title. This is illegal. 
Please advise. I am ready to file suit against this company
Consumer complaint received 2024-01-29
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. (NJ)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-01-29
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. (TX)

I am submitting this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-29
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Every representative I had spoken to for each day that I had called, they were sending me through loop holes about resolving my issues. They kept transferring me off to someone who can help and absolutely nothing got resolved. They ended up closing my account without my knowledge and after they did that I called to complain about that as well and they told me that I have to make my payments. I tried explaining to them that the purchases that were made on my account were not made and or authorized by me and they were gaslighting me telling me that I should be expecting their call on an update for the investigation they had opened up for my complaints and disputes.
Consumer complaint received 2023-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX {$75.00} XXXX XXXX - {$140.00} XXXX XXXXXXXX - {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX2022 TransUnion XXXX XXXX XXXX/XXXX/2022 TransUnion XXXX XXXX XXXX/XXXX/2022 TransUnion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I have many personal and business accounts with Wells Fargo. My business accounts are no longer accessible online. I was informed via a message in the message center that my account ending in XXXX was closed on XX/XX/year>. I did not close this account. The message says that I could continue to view Statements and Documents for this account online for approximately 90 days from the date the account was closed. The statements are not available as mentioned when accessed on XX/XX/year> so I can not confirm the amounts they held at closure. I have no other emails or communications from Wells Fargo regarding this account being at risk of closure for any reason.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Multiple phones calls to the credit bureaus asking for help to delete false and unauthorized inquiries. Insisting that I did not give my written or verbal consent for such actions. The inquiries are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Note ; My son and I both share the same first, middle, and last name. He is a XXXX and I a XXXX. The above inquiries should not be on my credit report. This is a violation of *15 U.S. CODE 1602
Consumer complaint received 2024-01-29
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. (GA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 

XXXX XXXX Balance : {$23000.00}.
Consumer complaint received 2024-01-29
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. (TX)

I hope this letter finds you well. I am writing to express my dissatisfaction and frustration regarding the ongoing issue with my open account at your bank. Despite my previous attempts to rectify the situation, it appears that the matter remains unresolved. 

I initially brought the matter to your attention through. At that time, I explained the circumstances surrounding the late opening of my account and requested prompt assistance in resolving the issue. However, to my dismay, the matter persists. 

I understand that mistakes can happen, and I appreciate your efforts in addressing the issue after my initial complaint. Unfortunately, the situation has not been rectified, and it is causing me considerable inconvenience. As a valued customer, I expected a more expedient resolution to such a matter. 

I kindly request that you investigate this issue promptly and provide me with a detailed explanation of the reasons behind the continued delay. Additionally, I would appreciate a clear timeline for when this matter will be fully resolved. I believe that transparency and communication are crucial in maintaining a positive customer-bank relationship. 

If necessary, I am willing to provide any documentation or information that may assist in expediting the resolution process. I trust that Credit Bureaus values its customers and will take the necessary steps to rectify this matter promptly. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX Balance : {$2800.00}.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-29
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)

I have previously tried contacting all 3 bureaus to little to no avail. In order for them to be in compliance with 15 USC 1681-c-2 and 12 CFR 1022 Regulation V, for them to remove and/or block the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-27
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. (TX)

XX/XX/2023 my credit was ran by several banks. We are uploading a photo of those banks. I would like the removal of the inquiries off of our credit. I did not submit my credit to be ramped by. Who's banks in any time?