davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
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. (FL)

In a period of over 5 months I have sent letters indicating the inaccurate, erroneous information i have identified on my credit reports. Unfortunately, XXXX, XXXX and Equifax have failed to provide an honest and transparent investigation on my claims. Today I am filing a formal complaint. I will attach the proof of the letters i have sent. Please reach out to XXXX, XXXX XXXX Equifax and demand an investigation to be completed- I am also requesting proof of the investigation. If this is not done correctly as per the FCRA laws of investigating erroneous accounts I demand full deletion of the item in question. Thank you.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC. (CA)

My checking account was debited on XXXX for XXXX as an internal payment to my personal line of credit. However payment never posted and personal line of credit service says they never got. However it posted and was debited out of my checking account so money is now lost and no one seems able to help me. SOFI Bank is the institution.
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: EQUIFAX, INC. (VI)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX 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 2023-08-01
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 — Their investigation did not fix an error on your report
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 U.S.C.1681 XXXX, XXXX ACCT # XXXX has violated my rights.

15 U.S.C. 1681 Section 602A States I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681C ( a ) ( 5 ) 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.
Consumer complaint received 2024-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc. (NC)

On XX/XX/XXXX, purchased {$5000.00} XXXX and tried to send to my wallet at other website, however Coinbase immediately locked my account. So I called for help and I was told that location I was trying to send to, is blacklisted by Coinbase! 
However, I have no way to know that, and there should be warning to not to sent to locations! 

Anyhow, I need help to unlock my account so I can recover my funf
Consumer complaint received 2024-05-29
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)

You were notified that my information was compromised in the Equifax data breach and failed to remove the disputed accounts from my consumer report. Please see the attached FTC report and Equifax data breach claim id and remove the following accounts from my credit report within 7 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-08-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CASHCALL, INC. (CA)

I just got a call that I am being sued for a loan from XXXX  that I never received. I didn't even sign up for a loan then. I was married, a stay at home mom, and my husband worked. I have no idea who took out this loan in my name. They said it is from cash call. They said I was making payments and stopped, and that it was on my credit and then removed. All lies! Now they want to put it back on my credit.
Consumer complaint received 2024-05-13
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. (CA)

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.

has violated my rights. Or a list of inquiries : 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 2024-08-22
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXXXXXX  To : Experian Dispute Resolution XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Late Payments Reporting on XXXX XXXX Account, Cease and Desist Request, & Complaint Filed with CFPB Dear Experian Dispute Resolution Team, Account Information : Creditor : XXXX  XXXX XXXX 
Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : Paid Off Status : Paid, Closed Reported Late Payments : XX/XX/XXXXXXXX  ( 30 days ), XX/XX/XXXXXXXX  ( 30 days ) I am writing to formally dispute the inaccurate reporting of two late payments on my XXXX XXXX account, as reflected in my Experian credit report. These late payments are erroneously listed for XX/XX/XXXXXXXX  and XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), credit reporting agencies are legally obligated to ensure that all information on consumer credit reports is accurate, complete, and verifiable. I have thoroughly reviewed my records and found no valid documentation to support these late payments. Furthermore, the account was fully paid off as of XX/XX/XXXX, and is listed as Paid, Closed. 

In light of these inaccuracies and the damage they are causing to my creditworthiness, I demand the following actions : Cease and Desist : Immediately cease and desist from reporting any inaccurate or unverifiable information regarding this account, including the alleged late payments for XX/XX/XXXX and XX/XX/XXXX. 

Investigation and Correction : Conduct an immediate investigation into the accuracy of these reported late payments. If you can not substantiate the claims with credible evidence, I demand that these late payments be removed from my credit report without delay. 

Non-Communication Request : I also request that you refrain from any further communication regarding this matter except to notify me of the outcome of your investigation or to confirm the removal of the disputed information from my credit report. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ), which provides consumers with the right to limit communications from debt collectors. 

Please find enclosed any relevant documentation that supports my claim. I expect a resolution to this dispute within the timeframe specified by law, as outlined in the FCRA. 

In addition, I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Failure to comply with these demands may result in further action, including but not limited to additional complaints to regulatory agencies. 

Thank you for your prompt attention to this matter. I look forward to your immediate compliance and a satisfactory resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am a victim of identity theft and fraud. When my funds were stolen from me I reported it to Bank Of America and they granted me credits. However they took back the credit without any explanation and no heads up. I have valid police report records Ive submitted to the bank. However I have been robbed by Bank of America. My current account statement is in the negative, severely. I know there is a current suit against Bank of America however their bad habits are still being followed.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

Unknown Inquiries reported on credit report : XXXX XXXX, XXXX18. XXXX, XXXX18. I DO NOT KNOW OF THESE INQUIRIES, THEY WERE ILLEGALLY MADE THRU IDENTITY THEFT!!
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

Webster bank sent us a XXXX form late posted XX/XX/XXXX with a income XXXX XXXX XXXX {$830.00}, that I don't recognized, on XXXX bank statements does not show that figure, that we believe is an error from webster bank that may cause a problem with the IRS because it wasn't reported in this year filing because we don't get taxable interest. We need an investigation. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank u.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I recently looked at my credit report and I noticed EQUIFAX you are reporting some late payments from XXXX XXXX XXXX that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. I have attached a copy of my identification and notorized letter. Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dates reporting not accurate : XXXX, and XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT accurate.
Consumer complaint received 2019-02-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Was told prior to becoming delinquent that the only way I could obtain assistance with mitigating my debt was to fall behind by multiple representatives inXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX- I was transferred to Customer Service who then transferred me to a resolution representative and was told because I am not more than 60 days delinquent they can not assist me with any options to prevent delinquency and damage to my credit, and that these options were available.
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (AL)

I was scammed by a clothing manufacturer in XXXX. The manufacturer was supposed to give me a refund because they made a mistake and made my pants wrong. I asked them multiple times to fix it or refund me please and they didnt and refused. They keep saying theyre still shipping it but gave me a tracking number where no package exists. I tried solving it with Remitly but they told me it was nothing they can do.
Consumer complaint received 2024-05-29
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)

You are in violation for reporting the wrong balance for the account XXXX XXXX XXXXXXXX. Furthermore, the alleged debt is uncollectible since the statute of limitations is 4 years in the state of Texas. Please see the company 's response showing that the true balance was {$94.00}. You are reporting an additional {$100.00} on this account, and I can sue your company for negligence and false reporting. This account is to be removed within 7 business days. XXXX has already deleted this inaccurate account.
Consumer complaint received 2024-05-29
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)

My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/2XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2022
Consumer complaint received 2024-05-29
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)

I ensure that my payments are always made on time. However, I find it perplexing that this company occasionally reports me as late in certain months, which is not accurate. As per USC 1666b, any billing errors should be rectified promptly and reflected as paid as agreed.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
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: EQUIFAX, INC. (IL)

According to FCRA 605B, we must eliminate any incorrect accounts from my credit report. These accounts contain reporting errors. I should be compensated {$1000.00} for every inaccurate report on my credit file.
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: EQUIFAX, INC. (WA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
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: EQUIFAX, INC. (WI)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
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: EQUIFAX, INC. (WI)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2016-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

The mortgage company continues to charge my account for not having insurance. However, I faxed proof of insurance to the company and the insurance company notified the mortgage company that an active policy. After several conversations, the company continues to charge my account for not having insurance. Further, the company continues to conduct an analysis to bring the account current. However, they have failed to do so. XXXX, Supervisor, stated that they will complete analysis. The analysis was promised by XXXX to be completed in XXXX. On the contrary, it was not completed as of XXXX 2016. An analysis is not appropriate. The payments should go back to the original amount. They are reporting me delinquent to the credit bureau. After several calls and months, they are still refusing to adjust my account and are demanding that I pay for their insurance. They sent back my XXXX payment and put a lock on my home. 
My escrow account was depleted and the funds, as I requested were not placed, due to the error that the mortgage company made. Despite several requests to make the needed corrections, they refused. My husband is a XXXX veteran who is XXXX and I 'm a retired school teacher who is on a fixed income. I can not afford to pay more money than required. They are trying to intentionally foreclose on my home.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MS)

On XX/XX/year> I sent a certified dispute letter to LVNV Funding requesting validation of two alleged collection accounts. The letter was delivered on XX/XX/year> with a tracking # XXXX ; As of today I have not received any response from LVNV Funding. LVNV Funding continues to report negative, inaccurate information that they have not proven to be legally mine nor have they responded to the dispute letter.
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: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.