davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear GENESIS CRDT, I am writing to address a blatant violation 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 identity fraud laws under Missouri statutes . It has unequivocally come to my attentio
n that GENESIS CRDT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. F

ederal 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 emphasizes the necessity of consumer consent for credit reporting. Specifically, Missouri 's identity theft statutes, such as Mo. Rev. Stat. 570.223, underscore the severity of unauthorized access and misuse of personal inf
ormation.

I assert with unwavering certainty that I have not provided consent for GENESIS CRDT 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 GENESIS CRDT immediately cease 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 Missouri 's identity theft 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 GENESIS CRDT will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

Regarding : Temporary Provisional credits The company is trying to deny the remaining unauthorized fraudulent withdrawals and fraudulent unauthorized wire transfers. 

I am submitting additional documentation with the date as proof of my reporting to the company within the 60 day time frame with the original date included. 

The remaining unauthorized transactions should be included in the on going investigation, and a temporary provisional credit should be issued for the full amount for both accounts asap, as the company has already requested additional time and ( 10 ) business days have gone by for both accounts. 

It states this protocol on the company 's website, and they have failed to do so as of yet. 

A temporary provisional credit should be issued asap, back to my current account for the full amount being investigated, while the investigation is on going. Regarding : Temporary Provisional credits The company is trying to deny the remaining unauthorized fraudulent withdrawals and fraudulent unauthorized wire transfers. 

I am submitting additional documentation with the date as proof of my reporting to the company within the 60 day time frame with the original date included. 

The remaining unauthorized transactions should be included in the on going investigation, and a temporary provisional credit should be issued for the full amount for both accounts asap, as the company has already requested additional time and ( 10 ) business days have gone by for both accounts. 

It states this protocol on the company 's website, and they have failed to do so as of yet. 

A temporary provisional credit should be issued asap, back to my current account for the full amount being investigated, while the investigation is on going.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7300.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$6000.00} XXXX XXXX Balance : {$8000.00XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7300.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX
Consumer complaint received 2024-01-28
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. (FL)

The Fraudulent items listed below still appear on my credit report, even after your investigation. I would like these specific late items immediately re-investigated and corrected/removed. These inaccuracies due to identity theft are highly injurious to my consumer credit report. There is information on my consumer credit report that are a result of identity theft. I did not give authorized written permission or instructions for the identified purchases to be reported on to my consumer report. I am requesting that the publishing of this informational data be investigated and corrected/removed. The Identified transactions are not related to any grand action or transaction by me as the consumer. 

MONTHS OF ACCOUNTS/ACCOUNT NUMBER INACCURATE LATE PAYMENTS DATE OPENED XXXX XXXX XXXX./ XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX FORMER ADDRESS TO BE DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506 , Title VI , Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation.
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have {$300.00} of travel credits and {$100.00} of miles tied up in my Capital One account, but the travel portal doesn't let me use any of it. Their customer support just tells me to pay with the credit card, costing me even more money
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

In XX/XX/XXXX I took out a " Zero-percent balance transfer '' on my Bk of America credit card and they charged me 3 % " transfer fee '' on a balance transfer of {$21000.00} totally {$600.00}. 

The " zero percent contract '' on my BofA VISA ( XXXX ) was for XXXX interest until XXXX of XXXX, but BofA withdrew a payment for the entire {$21000.00} from my checking account at the end of month one, terminating my transfer. 

When I called to correct the action, I got NO help. Rather BofA started charging me {$330.00} interest starting in XXXX & continuing each month until I paid off the balance and canceled the card in XX/XX/XXXX while requesting remittance of wrongly billed interest. 

Balance of {$17000.00} was paid to B of A on XX/XX/XXXX & card was CANCELED. On XX/XX/XXXX I received a billing statement with {$58.00} due. I immediately called BofA protesting. 

After sitting on hold for some 20 minutes, I elected to contact CFPB. XXXX of BofA promised a Customer Service Officer would contact me in 2-3 days to resolve the issue and hopefully refund me approximately {$1000.00} of interest charged on my account.
Consumer complaint received 2024-01-29
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. (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.

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 2024-05-28
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: W&A Intermediate Co., LLC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear WAKEFIELD & ASSOCIATES, I am writing to address a blatant violation 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 identity theft and fraud laws specific to XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that WAKEFIELD & ASSOCIATES has 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 the identity theft statutes, underscore the necessity of consumer consent for the use and reporting of personal information. Missouri law emphasizes the protection of personal information and outlines clear guidelines for the fair use of consumer credit information. Unauthorized access and misuse of personal information constitute identity theft, which is a serious offense under Missouri law.

I assert with unwavering certainty that I have not provided consent for WAKEFIELD & ASSOCIATES 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 WAKEFIELD & ASSOCIATES 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 relevant Missouri state laws on identity theft and fraud. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including those concerning identity theft.

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 WAKEFIELD & ASSOCIATES will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-29
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. (AL)

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.

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 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CapitalJ Inc. dba Juno (CA)

I have over XXXX in my Juno Finance checking account. I got a message from XXXX saying that my Juno account had been disconnected and that the account was no longer valid. I got a message from my landlord saying he hadn't received rent.

I reached out to Juno and they said that transfers are currently having issues. I got NO email warning me that this was happening, the app looks normal, and my direct deposit went into my account yesterday. Tried to use my card and that is also not working I have no way to access my funds, and the customer service number at Juno is not picking up. They just made a vague tweet about it with no solutions or timeline for people who need access to their money. I don't know what to do. I need to pay rent and my credit card bill is due tomorrow, this is my only bank account.
Consumer complaint received 2024-05-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My property was sold in a tax foreclosure in XXXX. I have continued to make payments to preserve my credit, I was told by the banks foreclosure department that if I no longer own a property that I have a HELOC on, the debt should be charged off. They have yet to charge off the debt, saying, they cant charge it off until I stop paying. I dont want to stop paying bc a bunch of late payments plus a charge off will damage my credit beyond repair.
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (LA)

Got multiple emails from chime mentioning getting a card but then had one say that I was approved and that it was going to ship out in 2 weeks and then it even showed an address it was going to ship to. Then the follow up email after that was about attaching a direct deposit account so then I wanted to do something about it but I read online about how this happens to multiple people and chime is the scam itself and that the phone number you call will just ask for more info like your SSN and DOB
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (WA)

My new car insurance provider ( XXXX ) says that I have a record on my driving report. This is affecting me because i have never had any claim or be responsible for any automotive incident. The increase my insurance premiums rate by {$170.00}. 

They claim they got the records from LEXISNEXIS RISK SOLUTIONS ( XXXX  ) their contact number is XXXX.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Credit bureaus will not update my personal information and wont remove late payments showing on consumer report. Was asked to remove all inaccurate name variations and inaccurate addresses, phone numbers and employment information from my consumer report. The bureau continues to report inaccurate payment history and personal information on my report, Causing me to be denied extensions of lines of credit.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (LA)

They have fraudulent inquiries on my Chex systems report and a fraudulent account I have not had to ability to log into my account in over a month. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX no had permission to open these fraudulent accounts
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

An account was opened for CapitalOne on XX/XX/23 using my identity. I only found out about this account until XX/XX/23 once it affected my credit score. I quickly had the account closed and asked CapitalOne to investigate. They concluded the account was not fraud and refused to share how they came to that conclusion. They say that the credit card was sent to my address and that the transactions had somehow " benefited '' me, yet I dont have access to this account. I tried to ask them what email or phone number they had on file and they refused to comply or elaborate more on their investigation. I have called XXXX and they say my dispute is in process but capital one has confirmed the account as not fraud.
Consumer complaint received 2024-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SIERRA PACIFIC MORTGAGE (SC)

I applied for my refund of my escrow account from Sierra Pacific/ XXXX Mortgage on XX/XX/XXXX after paying off my mortgage. 
No payment was made to me as of XXXX XXXX. Called Sierra PacificXXXX XXXX XXXX speaking to XXXX on this date. Assured that the check was mailed to the wrong address. It would have to be recalled/canceled and a new check issued to the correct address within 5 days. 
XX/XX/XXXX still no refund check. Called above company again an was hung up on by XXXX. Called again and spoke to XXXX who stated she had no notes of previous contact and would now do what should have been done on XX/XX/XXXX and XX/XX/XXXX by XXXX. I insisted that the check be paid plus interest because my funds had been held for more than 4 months. XXXX stated that she could not do that. She did state the same thing XXXX stated on XX/XX/XXXX, that the check would have to XXXX canceled and a new one issued AFTER a review of the case # XXXX. This would take 5 days. 

After all these phone discussions I spent more than XXXX hours trying to get this resolved. 

I still have no confidence that it has been resolved since I have had to repeat all efforts for a resolution 4 times now.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear 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