davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX DOB- XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed 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
Consumer complaint received 2024-07-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Aqua Finance, Inc. (OH)

I had XXXX XXXX XXXX come to my home to give me an estimate to have a roofing project done. They offered to finance the job to be done and it would be {$13000.00} to do the work I was needing done. So they had me fill out an application to get financing and I was told that I couldnt get financing on my own but if I could get a co-signer I could get approved. I was able to get a co- signer and all the information that was provided went through Aqua Finance CoXXXX XXXX XXXX i was send an email with the entire loan agreement that needed to be e-signed by myself and my cosigner. Today XXXX I received a phone call from XXXX XXXX XXXX stating that the loan company was backing out of the loan because my co-signer wasnt living at my address where the work was being done. Aqua Finance did hard enquires on both mine and my mothers credit, who was my co-signer, I would like both of those inquiries removed and I want to make sure that I am not responsible for any payments since Aqua Finance backed out before any work was completed.
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: FIRST HORIZON BANK (NC)

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX  days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else.
Consumer complaint received 2024-07-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (PA)

On XX/XX/year>, the money was sent to the " XXXX XXXX XXXX '' agency, paying in cash the amount of XXXX dollars, which were XXXX for the shipment and XXXX dollars for the service. Normally the money arrives within an estimated time in which it appears on the shipping ticket. The money I sent has not arrived as of today and they have not returned the money to me ( today is XX/XX/year> ). After a week of not meeting the estimated shipping date. I decided to call the agency and they have not been able to give me information and told me to contact the main company for which they work to make shipments.
Consumer complaint received 2024-07-05
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harpeth Financial Services, LLC (TN)

I have paid original creditor Advance Financial balance down to {$700.00} Advance Financial sold debt to XXXX XXXX XXXX for original amount as though there was no payments made. There is a current CFPB complaint # XXXX. I did not request within that complaint what I am about to request now that is within my rights to request according to the fair debt collection laws set in place.This company sent me verification of this debt only. I am now requesting 4 specific things in regards to Debt Validation according to:15 USC 1692G .

1. I want a detailed payment history of payments I have made on this account. 

2. I want for XXXX XXXX XXXX to send me a copy of my signature guaranteeing that I would pay XXXX XXXX XXXX if debt go in default with Advance Financial. 

3.I am wanting proof of any insurance claims that may have been filed on this debt to be provided to me. 

4.I want CHAIN OF TITLE proof to collect on this debt. 

The debt owed amount and what is trying to be collected is inaccurate. I need mentioned items above to be provided according to FAIR DEBT COLLECTION PRACTICES LAW 15 USC 1692G. 

Thank you.
Consumer complaint received 2024-07-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc. (OH)

Received email notification of debt collection for an account that was closed on eharmony.com on XX/XX/year> while expiration of previous account cycle was on XX/XX/year>. Email notification from RFGI requested {$430.00} be paid in full while original price was {$250.00}. Requested paper copy of validation of debt on XX/XX/year> but have not received any communication from company. Account was closed and billing and account information was deleted prior to subscription renewal date.
Consumer complaint received 2024-06-28
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (TX)

This account is misleading.. false reporting, I have sent two rounds of disputes ( XXXX XXXX, & XXXX ). The date open & reported is incorrect as well as the date of last activity. My credit report contains inaccurate information, and I am seeking litigation.
Consumer complaint received 2024-06-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

On XX/XX/year> I sent XXXX XXXX XXXX a QWR request per respa which I have attached. XXXX XXXX XXXX  was my servicer before they transferred the servicing rights to XXXX XXXX. They haven't acknowledged my request for information within XXXX business days. They received the XXXX on XX/XX/year>. I need the information requested and have attached the letter I sent.
Consumer complaint received 2024-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION (MD)

After reviewing my retail installment contract with a better understanding of it. I realized that Truist bank has not been transparent and has been dealing fraudulently when as it pertains to my payments. Located in Section 2 letter C Security Interest states You give us security interest the vehicle and all part or goods put on it. All money or goods received ( proceeds ) for the vehicle. All insurance, maintenance, service, or other contracts we finance for you. This includes any refunds or premiums or charges from the contract. This secures payment of all you owe on this contract. 
According to TILA, which this contract references the terms of the contract should be made clear. This did not happen as it was never conveyed to me that my car was paid for in full. Truist securitized my contract and has been receiving dividend payments on top interest and premiums from me, while sending me a statement every four months seeking payment, when actuality they security paid for the car on XX/XX/year> ; and they have been fraudulently collecting money from me for 5 years knowing they never recorded the book entry for this transaction. It was not until I started researching securitization that I realize Truist has sold my security in both the first and secondary markets. Therefore, I Stamp Endorsed the contract and signed it as a check, since it was the actual payment for my car. I sent it to the security via registered mail to XXXX XXXX in XXXX. XXXX XXXX oversees securitization for Truist, which means he has full knowledge of my securities and he tried to pass my inquiry off to client resolution XXXX, XXXX XXXX, who I know has no working knowledge of the securitization process. On XX/XX/year>, I sent documentation to Truist XXXX team regarding this matter ; and they dismissed it. Therefore, I am filing this claim, as I want all monies paid to Truist over the past 5 years returned to me as it is owed to me. Truist contract has a section How this Contract can be changed, which requires a written statement regarding the changes you want to make ; moreover, the contract says, no oral agreements or understandings are binding, which means I can dispute this contract as there is no statute of limitations delineated in this contract. Currently, Truist is violation of their own terms and conditions, and I would like for my request to be reviewed and processed ASAP.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Subject : Dispute of Charge-Off on Credit Report Lack of Form 1099-C To Whom It May Concern : I am writing to dispute the information reported on my credit report related to a charge-off account with [ Creditors Name ]. I have reviewed my credit report and found that the charge-off account, [ Account Number ], is inaccurately reported.

According to the Fair Credit Reporting Act ( FCRA ) and IRS guidelines, a creditor is required to issue a Form 1099-C for any canceled debt of {$600.00} or more. I have not received a Form 1099-C from [ Creditors Name ] for the charge-off account in question. The failure to issue this form suggests that the debt may not have been properly canceled, and therefore, the charge-off may not be valid. 

Additionally, the lack of a 1099-C may indicate non-compliance with federal regulations, and it could imply that the debt is still legally collectible, contradicting the charge-off status reported to you.

I am requesting that the charge-off be thoroughly investigated and removed from my credit report if it can not be substantiated with proper documentation, including the issuance of a Form 1099-C. Please verify this information with the creditor and correct the inaccurate information on my credit report.

In accordance with the FCRA, I request that you : 1. Investigate the disputed information with the creditor.

2. Remove or delete the inaccurate information on my credit report.

3. Provide me with an updated copy of my credit report once the investigation is complete. 

Enclosed, please find a copy of my credit report with the disputed account highlighted, as well as a copy of my identification for verification purposes. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX Enclosures : Copy of credit report with disputed account highlighted XXXX XXXX XXXX XXXX XXXX XXXX-ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Copy of identification
Consumer complaint received 2023-09-19
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. (ND)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America closed my credit card account that I've had for nearly 12 years with them ( my oldest account on my credit history ). They did not notify of the closure before or after closing. There had been inactivity on the card for a while, but no communication that they were about to close the card if there's no activity in XXXX days/months. 

I recently discontinued using my card from another bank and planned on beginning to use my Bank of America card again. Unfortunately, I found out the hard way that it was closed whenever I tried to use it and my purchase was declined.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Well this actually started in XXXX they wavied a late fee which was not late then even so i locked my card and now as i always do pay my payment on the XXXX th if every month and they say i am late now and charging me a XXXX late fee .You can clearly see they give u a sing and dance about dates and payment schedule as i said i have paid on or around the same.date for over a year and this has affected my credit score this is a horrible company and sunce XXXX they are trying more and more to get you socked with fees.
Consumer complaint received 2024-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NC)

Mr Cooper has our first mortgage on our home since XXXXXXXX There is a large amount of equity in our home so we applied for a XXXX mortgage with Mr Cooper to have repairs done on our roof. During the underwriting phase, flood insurance was requested. We provided documentation from our home insurance, XXXX maps, Elevation certificate, appraisal and the original contract stating that the house was in XXXX XXXX on the flood maps. The 2nd mortgage group retracted the request for flood insurance. 

Following the ending of the 2nd mortgage, we received a letter from the 1st mortgage requiring flood insurance. We have provided all the same information to Mr. Cooper with no changes. We have made several attempts taking to XXXXood insurance department with Mr. Cooper. Each time a call has been made, the representative has recorded our concerns with no retraction of the flood insurance. 

The flood insurance has increase our mortgage payment {$300.00} each month. This is placing an undo burden on our budget.
Consumer complaint received 2024-06-25
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

Dear Sir/Madam, I am reaching out to seek the support of your esteemed office in addressing severe issues with Macy 's American Express Credit Card services , which include unaddressed fraudulent activities on my account and the distressingly poor conduct of their customer support team. 

On XX/XX/year>, at XXXX XXXX, I received a fraud alert for unauthorized transactions made at a XXXX and a gas station. Immediately, I reported these as unrecognized, yet was unable to reach customer service until the following day due to after-hours operations. Upon contact, the response was to wait for an address verification process. Meanwhile, fraudulent charges continued to accrue, reaching over {$250.00}. 

Over several days, as I attempted to resolve this fraud and I encountered multiple conflicting instructions from different representatives : XXXX ) I was initially told to await a mail for address verification. 
2 ) Subsequently, I was instructed to send them proof of my new address.

3 ) Later, questions arose whether I had received any calls from their team. 

Throughout these interactions, not once was I given a clear timeline or procedure for resolution. The ambiguity reached a peak when, despite repeated requests, no representative could confirm the address to which they planned to send the verification mail. I even wrote a secured email through the Macy 's Credit Card account, but I didn't receive any response assuring the safety of credit and personal information. 

Moreover, on XX/XX/year>, I discovered unauthorized changes made to my personal details on XX/XX/XXXX. My efforts to rectify this and secure my account were met with evasion and continued rudeness, treating me with suspicion rather than as a victim of fraud. 

This prolonged and mismanaged interaction has not only failed to stop the fraudulent activity but has significantly affected my health, causing heightened XXXX XXXXXXXX XXXX XXXX XXXX  The lack of resolution and accountability from Macy 's American Express has left me in a vulnerable position, both financially and emotionally. 

I urgently request your office 's assistance to help ensure the cancellation of my card, the reversal of fraudulent charges, and a thorough investigation into the handling of my case. The inconsistencies and negligence displayed by Macy 's American Express need addressing to prevent further consumer harm. 

Thank you for your attention to this critical matter. I am willing to provide any additional information needed and look forward to your prompt response and support. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc. (TX)

I am buying a property via assuming FHA loan from a seller for which Mr Cooper Hold the mortgage. I started the process on XX/XX/XXXX with Mr Cooper with closing date of XX/XX/XXXX. I have yet to be contacted by mortgage officer to process my loan and my loan has been pending credit approval stage. I have excellent credit and no negative remarks on my background. I live in an apartment and was supposed to vacate my apartment on XX/XX/XXXX in a week. My closing date for this property already moved to XX/XX/XXXX. We did not meet deadline for XX/XX/XXXX. Today is XX/XX/XXXX. I have been contacting this company diligently every few days we are called and emails however I have not received any response. No mortgage officer reached out to me Nobody responds to my complaint email that I sent out to XXXX XXXXXXXX. im about to have to move to a hotel or XXXX on XX/XX/XXXX as I highly doubt I will be able to close on this property by the deadline. I need some type of update from the company on what is going on and why is it taking so long. This is very discouraging experience, an incoming new customer to company. I understand that assuming process take longer than traditional mortgages however, 60 days without appropriate or improper contact information where nobody answers your questions and what Im being told that Im just going to have to wait for the mortgage officer to call me and it can take anywhere from 4 to 6 months is really stressful. What am I supposed to do live in an XXXX for unexpected amount of time.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TN)

Subject : Request for Funds Reinstatement Under Regulation E XXXX XXXX XX/XX/year> Wells Fargo Bank Dear Wells Fargo Customer Service Team, I am writing to request the reinstatement of funds into my account in accordance with Regulation E. On XX/XX/XXXX until XX/XX/XXXX, {$6200.00} was debited from my account without my authorization. This transaction appears to be an error or fraudulent activity, and I am requesting that the funds be promptly returned to my account. I have already filed a claim and got denied ( Claim number : XXXX ) Under Regulation E I must be reimbursed. 
Details of the unauthorized transaction : * Date of Transaction : XX/XX/XXXX - XX/XX/XXXX * Transaction Amount : {$6200.00} * Description of Transaction : It appears to be ATM withdrawals, store and restaurant charges. 
I have already contacted the merchant/service provider regarding this unauthorized transaction and have not received a satisfactory resolution. As per Regulation E, I am entitled to prompt resolution of this matter and the restoration of funds to my account.

Please investigate this matter promptly and provide me with an update on the status of my request. I have also already spoken to your fraud team around a month or two ago and have not gotten a satisfactory resolution.

Thank you for your attention to this matter. I expect a timely resolution and the reinstatement of funds into my account as soon as possible. 
Sincerely, XXXX XXXX