davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/2024 I received an email that XXXX tried to take money from my bank account. I called immediately and got my card cancelled. I thought everything was fine. Today, XX/XX/2024 I got another email that said my account was overdrawn {$300.00} because an authorized charge from XXXX was put through on my closed card. I called Wells Fargo immediately and was told they cant do anything until the resolution of the claim. Now I have to pay back money, that I clearly cant afford, to fix the overdraft that shouldnt never have happened in the first place since I called and reported fraud and closed my card out.
Consumer complaint received 2024-07-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (MI)

Freedom Mortgage company is charged with sending any and all payments for my homeowners insurance in a timely manner from my escrow account ( which is current and in good standing ) to XXXX XXXXXXXX XXXX. While Freedom Mortgage claims payment was sent on XX/XX/XXXX, as of XX/XX/XXXX XXXX still has not received it and will terminate my policy as of midnight XX/XX/XXXX if not received. Freedom Mortgage has not agreed to contact XXXX to address this. They have had plenty of time and resources to send in payment much earlier to avoid circumstances that could lead to cancellation and they have been negligent and now not taking accountability for it. Very clearly I can do nothing to track down a payment I was not charged with making. 
Not one of my mortgage payments to Freedom Mortgage has ever been late or returned. Escrow is in good standing with plenty of funds. I'm still waiting for a follow up call from anyone at Freedom Mortgage that will make this right. And have heard from no one. I spent 40 mins on a phone call waiting to speak with someone and the customer service representative I eventually spoke to had no knowledge or authority to help me in any way.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I deposited my paycheck through my XXXX XXXX XXXXXXXX. Before making the XXXX  deposit Truist makes you sign the check for XXXX  deposit only. Once check was deposited they are holding the check until XX/XX/year>. How can they put a hold on your money/weekly wages for XXXX days? I have bills to pay. They do not warn you of possible holds until you have signed the check and made the deposit.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00}
Consumer complaint received 2024-04-26
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 dispatched a letter dated XX/XX/XXXX requesting the removal of these items which are unknown to me. Upon discovering the relevant legislation today, specifically FCRA 605B ( 15 U.S.C. 1681c-2 ), I learned of the obligation to remove any such items within four business days of the ( date of the previous letter ). I have previously referenced this in my complaint and am reiterating it here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (AL)

I am a victim of identity theft and i mailed this letter to the company and i went on the company website to send this letter. and when i did. i was violated because i am sending a cease communication and the ONLY way for me to submit the email was to consent for communication. and there was NOT an OPTION to opt out on ALL COMMUNICATION with the COMPANY. 

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : XXXX Dear XXXX XXXX XXXX, I am responding to your contact about a debt you are attempting to collect. You contacted me by PHONE, on XX/XX/2023 AT XXXX XXXX CST and MAIL dated XX/XX/2023. You identified the debt as LVNV FUNDING LLC. 
Please CEASE all communication with me and with this address about this debt. 
Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 
Thank you for your cooperation. Sincerely, XXXX XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Reviewing my equifax credit report I notice XXXX XXXX is reporting a late payment of 30 days late XX/XX/XXXX. Having this XXXX XXXX XXXX  since XXXX of XXXX, this account has never been late. This late payment was reported during the time of a national pandemic. I do not recall receiving the statements 21 days prior to the due date to make an on-time payment. According to consumer law 15 USC 1666b- Timing of payments the consumer must receive the statements 21 days prior to the due date. Furthermore, according to consumer law 15 USC 1681s the consumer must be notified in writing before reporting negative information to credit reporting agencies. I did not receive any written notification from XXXX XXXX 30 days prior or after the late payment was being reported on my credit report. 

I know it is XXXX XXXX  duty to report accurate information and as a consumer with a perfect payment history I understand that, however the reporting of 30 days late in XXXX during a pandemic I do not believe was reported accurately according to all consumer laws that applies.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my firms managing attorney for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
It would be advisable that you and your client assure that your records are in order before I am forced to. 
take legal action.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (FL)

This creditor is reporting inaccurate information on my consumer report. Ive asked for verification, and they failed to verify the account. Furthermore, the account is inaccurate because it is listed as an inaccurate status that does not correspond with the status that the account is in. I requested the form 1099c as per the IRS when the account is in charged off status or a form 1099c has been filed and ignored that request and it seems that a form 1099c was not filed therefor the account was not charged off. So, its been reported inaccurately and pursuant 15 U.S. Code 1681s2 this account must be deleted pursuant those laws.

In addition, they are in violation of 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title -nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

This means TD Bank a financial institution has disclosed nonpublic personal information to nonaffiliated third parties XXXX, XXXX and XXXX. 

nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.
Consumer complaint received 2024-07-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

I called in there and told them I didn't order I didn't open this account and they said I did but I didn't I don't have the card I didn't have nothing but they're said and then they're hanging up on me and keep calling don't answer and I want to count close down some amazing my name is my stuff to open my account and I need to close it fog
Consumer complaint received 2024-06-15
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. (FL)

This debt was disputed and resolved. It was supposed to have been removed from my credit bureau reports ( ALL ) and has not yet been removed and is causing harm to my financial stability and security. I demand this be removed immediately.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

BofA used to send an email regarding suspicious activity and was resolved over the phone if it wasn't your charge. Now they just cancel your card immediately. I've had to get a new card 11 times now since XX/XX/2022 ; my last card lasted 24 days. I don't think enough is done to keep me 'consuming '. While I appreciate their diligence finding fraudulent charges I don't like constantly changing card numbers. I can't believe the world is so corrupt that a retiree can't even enjoy being retired. My new job is updating payment information at every turn. I imagine my payees aren't too thrilled either since they have to notify me if it falls around a billing cycle, which is constantly. I want them to go back to just declining the payment and let me merrily skip away.
Consumer complaint received 2024-06-02
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. (NM)

Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I am explicitly requesting an immediate and comprehensive investigation into the following account : XXXX XXXX XXXX I : No Account Number Given
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

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 three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report.

The account listed below should not show a late payment. I called multiple times to make my payment and was told I could not make my payment while my account was under review for an extension. After I was approved and made my payment, they reported it late and refuse to remove it when it was their system that would not allow me to make the payment early. XXXX XXXX  has already been involved in a CFPB complaint in 2019 and was required to pay a penalty of {$200000.00} and {$34000.00} in restitution to all the consumers affected. This is clearly a pattern for XXXX  to take advantage of consumers.
Consumer complaint received 2024-04-25
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)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-08-14
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: Experian Information Solutions Inc. (NV)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balanced {$0.00}
Consumer complaint received 2024-02-08
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and DELETE them immediately in my report : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-08
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (WA)

In XX/XX/XXXX, I sent in writing, a dispute to the debt, believing I did not owe the debt. Sequium did not obtain any verification of the debt nor did they mail this verification to me. However, Sequium continues to contact me both via email and phone to attempt to settle the debt, despite them never being able to obtain verification of the debt in the first place. They have sent emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Additionally, this unproven debt has now been reported to the credit bureaus and my credit score has dramatically decreased as a result and I am no longer in good credit standing, and I can not get any further credit, including a mortgage. I feel that they are in violation of the fair debt collection practices act.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft and Equifax has ignored my demands per my federal consumer rights to remove incorrect information from my credit report. I have tried to dispute this with Equifax twice now with no avail. 

I sent them an identity theft report from the Federal Trade Commission included with a letter to remove fraudulent information on my credit report on XX/XX/24. They did not update my credit file within XXXX business days as being under dispute, violating 15 U.S. Code 1681i. Then a week later, I filed the same dispute within their online dispute center on EquifaxXXXX, and they still failed to remove the fraudulent XXXX XXXX XXXX and XXXX XXXXXXXX XXXX from my credit report. 

I decided to try again by enforcing my consumer rights under 15 U.S.C. 1681e ( b ) which states consumer information must be reporting correctly across all 3 CRAs, which it is not currently, given that I have these fraudulent accounts on my credit report. 

I mailed this dispute letter on XX/XX/24 and followed up with the same information submitted on their online dispute portal a few days later. They " conducted an investigation '' then closed the dispute and refused to remove the fraudulent XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX from my report, once again. 

I am demanding that they finally remove these two ( 2 ) fraudulenXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX from my consumer report since they have repeatedly continued to violate my federally protected consumer rights even after I have tried to resolve this issue with them multiple times.
Consumer complaint received 2024-02-08
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (PA)

15 U.S.Code 1681-2 Responsibilities of Furnishers of information to consumer Reporting Agencies.1.PROHIBITION-reporting information with actual knowledge of errors or inaccuracies.The IRS clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON CONSUMER REPORT!
Consumer complaint received 2024-04-24
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: NAVY FEDERAL CREDIT UNION (OH)

I am extremely frustrated with Navy Federal Credit Union for their lack of responsiveness and transparency regarding my requests for specific documents. On XX/XX/2024, Navy Federal Credit Union received a detailed written request ( USPS tracking number XXXX ) seeking copies of the information they are reporting to consumer credit agencies about me. They acknowledged receipt of my letter but failed to provide the requested documents, simply stating that they had investigated my claim and found the information they reported to be accurate. Dissatisfied with their response, they received a second letter on XX/XX/2024 ( USPS tracking number XXXX ), yet I have still not received any response from them whatsoever. Their failure to provide the requested documentation violates the Fair Credit Reporting Act ( FCRA ), which requires that furnishers of information to credit reporting agencies, upon request, provide consumers with all relevant information about their accounts being reported. This lack of action and accountability from Navy Federal is not only frustrating but also potentially damaging to my credit standing and financial health.