davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
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: AMERICAN EXPRESS COMPANY (GA)

I am writing to dispute unauthorized charges totaling {$850.00} on my AMERICAN EXPRESS account between XXXX XXXX XXXX. These transactions occurred while I was XXXX overseas between XXXX and XXXX, during which time I was a victim of identity theft and SIM swap fraud. 

I demand an immediate investigation into these fraudulent activities and request a prompt resolution to rectify this matter. Any associated fees or charges related to these fraudulent transactions must be waived without delay. 

I expect regular updates on the progress of the investigation and swift action to restore the integrity of my account. Failure to address this dispute satisfactorily will result in further legal action. 

I am the victim of identity theft. I am writing to dispute a fraudulent charge/debit on my account in the amount of {$850.00}. I am a victim of identity theft, and I did not make this charge/debit. I am requesting that the charge be removed/the debit reinstated, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 
Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of the transaction details and business records in your control relating to the fraudulent transactions. A copy of the relevant federal law is enclosed.
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. (LA)

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 no account # xxxxxxxx, amount {$500.00}, XXXX XXXX XXXX no account # xxxxxx amount {$420.00} has violated my rights I at my credit report on XXXX, XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

Resources
Consumer complaint received 2024-06-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Affordable Auto Finance, Inc (SC)

Affordable auto finance! I bought a vehicle from them XX/XX/XXXX! I was sold a vehicle that had multiple recalls for electrical issues that can cause fire! XXXX XXXXXXXX XXXX XXXX XXXX  caught fire! Affordable auto finance was notified and they have the vehicle! I DO NOT HAVE THE VEHICLE, I DO NOT EVEN KNOW WHERE THE VEHICLE IS LOCATED! From XX/XX/XXXX Affordable auto finance has me down for XXXX missed payments and charged me over {$7000.00} interest for a vehicle I DO NOT HAVE they have! Vehicle has not been repossessed, reported stolen nothing. I called them asked them why are they charging me for vehicle I do not have that they have when I asked where the vehicle was they wouldnt even tell me! But charging me for a vehicle I do not have they have XXXX missed payment and XXXX XXXX interest! They were notified about the vehicle and they have the vehicle but still charging me for a vehicle I do not have XXXX missed payments and over XXXX XXXXXXXX interest! XX/XX/XXXX was my last payment, also when vehicle caught fire and they were notified and they have the vehicle! I do not have the vehicle nor do I know where the vehicle is at! I would like this removed off my credit profile this is FALSE AND INACCURATE reporting on my credit report.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (LA)

Company name is XXXX opened XXXX XX/XX/year> this account was closed and charged of as bad debt when in fact this account was inaccurate and sold to a 3rd party company for my information. I've disputed it online and through the creditors and company itself.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (LA)

Company name is SYNCB/Sams opened on XX/XX/2022 this account was closed and charged of as bad debt when in fact this account was inaccurate and sold to a 3rd party company for my information. I've disputed it online and through the creditors and company itself.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

I recently received a copy of my XXXX credit report and i noticed payments posted on my credit report : JPMCB CARD under the account number XXXX. You company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did i give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ) the term : consumer report does not include- ( A ) Subject to section 1681s-of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
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)

I downloaded my report back on XX/XX/XXXX, and noticed there were several things that were not accurate and incomplete. According to the fair credit reporting act When 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. The following accounts are not complete and accurate. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Department of Education XXXX, XX/XX/XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXXBased on 15 USC 1681s-2 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.

They sent me an investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate.

In accordance with 15 USC 1681i 5 they are supposed to do a Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to this law they are also supposed to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

They did not do any of these things.

According to 15 USC 1681s-2 they are supposed to 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I have not received a monthly mortgage statement since XXXX of XXXX. I have repeatedly contacted Carrington Mortgage every month for a statement and they refuse. It has been XXXX months since I last received a monthly mortgage statement from them. They would sometimes tell me that it must be on my end with the post office but I receive all my mail from credit card companies, electric bill, gas bill, etc., every month but not my monthly mortgage statement.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized Accounts : XXXX XXXX XXXX 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 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

My bank is holding {$300.00} from my tax exemption check of {$1200.00} deposited XX/XX/2023. They keep telling me different reasons like I had a negative balance or returned fees or for verifing funds. I had a postive balance on XX/XX/2023. I spoke to several agents and a supervisor. They said they are holding my funds until XX/XX/2023! This is the first hold they put on checks I deposit thru mobile. My bank is USAA in Texas. They have no local branches in TN or near me. I'm emotionally upset from no access to my money. I'm a XXXX XXXX XXXX Veteran with XXXX. Please help me. Thank you
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. (NJ)

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, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681section- 602 A. States I have the right to privacy 15 U.S.C. 1681section- 604 ; It also states a consumer 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 counting 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 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$4400.00} US DEPT XXXX XXXX Balance Owed : {$0.00} US DEPT ED XXXX XXXX Owed : {$0.00} US DEPT ED XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX Balance XXXX XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$5600.00} XXXX  XX/XX/2023
Consumer complaint received 2024-06-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunnova Energy Corporation (RI)

I had a Gentlemen. 
Knock on my door from XXXX XXXX.And we discussed about going Sola.I had told him that I am on XXXX since XXXX due XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was a credit based approval. We were told that I would receive a credit of {$10000.00} for going solar when I did XXXX taxes and that was not true. We would be paying XXXX which it was starting XXXX of XXXX. In XXXX they increased our payment to {$230.00} in XXXX, XXXX and XXXX of XXXX. That's is not what was agreed upon. They broke the contract. We had tried to reach out to Sunnova Bank and question why are they increasing they had no answer. I am on limited income. Now the contract in now Envoyed and it's a breech of contract.
Consumer complaint received 2024-05-14
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)

Dear Sir/Madam, I am writing to file a formal complaint regarding the failure to remove an inaccurate charge-off account from my credit report. Despite previous disputes and requests for its removal, the charge-off account with the account number XXXX, attributed to the company XXXX XXXX XXXX XXXX persists on my credit report. 

The inclusion of this inaccurate charge-off account on my credit report has had a detrimental impact on my creditworthiness and financial standing. I have made repeated attempts to rectify this issue by submitting disputes and providing supporting documentation, yet the erroneous entry remains unresolved. 

I would like to emphasize that I have no association with XXXX XXXX XXXX and have never incurred any debt or obligation with this company. Therefore, the presence of this charge-off account on my credit report is not only inaccurate but also unjust and damaging to my credit profile. 

I demand that immediate action be taken to rectify this matter by removing the inaccurate charge-off account from my credit report. Additionally, I request a thorough investigation into the circumstances surrounding the reporting of this account and the failure to address my previous disputes in a timely and effective manner. 

Furthermore, I expect compensation for the inconvenience, frustration, and potential harm caused by the continued presence of this inaccurate information on my credit report. 

Enclosed with this letter are copies of previous dispute correspondence, as well as documentation supporting my claim of the inaccuracies associated with the charge-off account in question. 

I anticipate a prompt response to this complaint, detailing the actions taken to address this issue and provide restitution for the damages incurred. Failure to do so may result in further legal action to protect my rights under the Fair Credit Reporting Act. 

Thank you for your attention to this matter.
Consumer complaint received 2024-05-14
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a XXXX XXXX XXXX XXXX XXXX XXXX which is XXXX XXXX XXXX XXXX XXXX, causing XXXX XXXX XXXX XXXX & creating XXXX XXXX XXXX XXXX XXXX XXXX. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Seeing as my information was exposed to the XXXX data breach. I decided to check my credit and turns out there it turns out it was some damages on my report and according to the fair credit reporting act, ( FCRA ) 15 U.S.C 1681
Consumer complaint received 2023-04-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE (FL)

In XXXX The Money Source Inc failed to send all documents related to a mortgage modification that I had been successful with trial payments on. After confirming that the modification had been finalized and submitting the documents that were sent to me I received a modification denial letter almost three months later citing I did not return the documents. I have confirmation not only that I completed and sent the documents via email, and USPS but TMS also filed the same documents in US Bankruptcy Courts on XX/XX/ via their Attorney XXXX XXXX XXXX XXXX XXXX XXXX I believe TMS made a clerical error and rather than rectifying the matter with FHA/HUD agencies they forced and coerced me into multiple subsequent mortgage modifications which have been very unfavorable. My original modification would have brought my monthly payment to {$1500.00} with an APR of 2.8 % versus my current loan status of {$2200.00} with APR of 6.37 %. I believe that TMS has made grievous error in this matter including failure to respond to my subsequent appeal in writing and my formal request under the RESPA Act dated XXXX XXXX.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX  has placed on my credit report of missed and late payments from 2016. First of all this is not supposed to be on my credit report it is too old. Second there are no lates or missed payments and this needs to be removed from my credit report.