davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

The major Credit bureaus XXXX, XXXX, and Equifax each stated my account was properly investigated but how is that possible if on multiple accounts inaccuracies and misinformation on the status of the open dates, high credit, my full name, date of birth, months within the term, etc. as per the attached file. These are all grounds for removal as they've violated my rights under 15 U.S. code 1681 section XXXX A. States I have a right to privacy.

15 U.S. code 1681 section XXXX A Section XXXX. It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureaus took more than XXXX days to complete my investigation and while my certified mail tracking # has been displaced, here are my complaint numbers, XXXX and XXXX. 

What originally happened was I checked my credit reports as recent as XXXX XXXX XXXX and noticed that there was an account by XXXX XXXX with details that were out of place and needed to be changed in order to better reflect on my credit score and consumer report history. I showed not only copies of my report but cited the issues and while my complaint was read it wasn't addressed and removed per the fair resolution I offered. I not only pay to have copies of my credit report from XXXX but to have membership benefits that allow me to see what's on my XXXX and Equifax reports as well.
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX i paid through PayPal for a dress white color for my wife 's upcoming birthday.

The seller was not providing the tracking number and as soon as I disputed with Paypal he provided the tracking number to show that something was sent to my address. 
Instead of my order dress the seller shipped me flash drives, in XXXX XXXX pieces maximum price is {$10.00} to {$20.00} So i was cheated, the seller wanted to let us know that i get the shipment, but it is impossible to send my order - dress in XXXX inches envelope. 
I provided PayPal all the photos, what I ordered and what I received. And because the seller provided to PayPal the tracking, that I provided much earlier than the seller, Paypal made a decision for seller 's favor. But I appealed their decision and PayPal advised me to report this issue to XXXX or CFPB and they will make a decision on my favor.. So I paid {$400.00} for couple of flash drives. I provided the photo of the envelope with flash drives where is clearly reflected the same tracking as the seller provided to PayPal.

Attached please find pictures of what I ordered and what I received.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Consumer complaint received 2023-11-06
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

After checking them, I found that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require 3 credit reporting agencies to verify ( A ) these accounts. Failure to verify these reporting accounts as unverified without providing evidence within the legally mandated deadlines is unacceptable. My credit report contains the following incorrect information that needs to be investigated and corrected. 
XXXX XXXX XXXXXXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXXBalance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXXBalance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX BalanceOwed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.
Consumer complaint received 2024-04-14
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. (NY)

My information was impacted in the Equifax data breach and my personal information has been compromised, I see a few fraudulent accounts and inquiries that arent mine neither have I authorized anyone to apply for any of these accounts or inquiries listed below : Account : NYS DEPT.OF SOC.SVC. 
Account # : XXXX Date opened:XXXX Account : XXXX XXXX XXXX Account # : XXXX  Inquiry : XXXX  XXXX XXXX  Date of inquiry:XXXX  its to my understanding that I have rights to a fair accurate credit report according to FCRA and consumer laws protecting me and my information. I would like these items removed due to them affecting my credit report and scores and i have no type of association with any of these acounts or inquiries U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.
Consumer complaint received 2024-04-17
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: Americas Car-Mart, Inc. (TN)

The vehicle was repossessed by the company. The payment amount was 3 years and I only had 6 month left on the property with no interest rate on the loan. There is a incorrect accuracy on my credit report that states I owe a balance over XXXX dollars. When the value of the property is less than due to it being used property. Causing illegal practices in the company for gain. The property violated the lime law in Tennessee. It was deem hazardous on the road due to XXXX recalls. Which they refused to fix it even on contract bases. On the credit report the balance is incorrect and inaccurate.
Consumer complaint received 2017-12-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I had an fha mortgage with Nationstar/Mr Cooper. I decided to refinance with XXXX XXXX Bank. My refinance closed on XXXX XXXX, XXXX. The final payoff was made to Mr Cooper on XXXX XXXX, XXXX in the amount of {$260000.00} per the final ( amended ) payoff statement. The final payoff included 2 months of interest and pmi insurance per fha loans. At that time I had an escrow balance of {$5500.00}. That amount should have been returned to me with interest. On XXXX XXXX, XXXX I received a check from Mr Cooper for {$4900.00} with no explanation as to where the rest of my money is. I have tried to call numerous times and emailed with no response from the company.
Consumer complaint received 2023-11-06
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. (MO)

Subject : Complaint Regarding Credit Scoring Practices and Consumer Treatment Dear Sir/Madam, I am writing to lodge a formal complaint about the current practices surrounding credit scoring and the treatment of consumers, especially in times of financial hardship. 

Firstly, I have observed and experienced firsthand that credit scores are quick to reflect negative information, resulting in rapid downgrades. In contrast, improvements in one 's financial behavior take an overly slow and inconsistent time to be reflected in their credit score. This asymmetry not only affects consumers ' ability to access credit but also implies a system that is unforgiving and does not adequately reward positive financial behavior.

Secondly, it is concerning that paying off debt, which is inherently a positive financial move, does not seem to be adequately recognized as such within the scoring system. This disincentivizes debt resolution and could potentially trap consumers in a cycle of debt.

Moreover, I believe there is a significant oversight in the lack of facilities or accommodations for individuals who lose their employment. The current system does not provide sufficient support for those who are actively trying to improve their financial situation by bootstrapping or seeking new employment opportunities.

The reliance on unemployment benefits as a means to support individuals during job transition or after redundancy is, in my experience, inefficient and inadequate. The process is often cumbersome, the support is minimal, and it does not align with the dynamic nature of the modern workforce nor the rapid pace of change in the job market.

In light of these concerns, I urge the CFPB to consider the following actions : 1. Review and address the imbalance in credit scoring dynamics to ensure timely recognition of positive financial behavior.

2. Recognize debt repayment more positively in credit scoring metrics.

3. Develop more supportive frameworks for individuals facing unemployment or financial disruption, which facilitate a smoother transition and empower consumers to regain financial stability.

I trust that the CFPB will take this complaint seriously and look into these issues with the aim of making necessary reforms that are fair and beneficial for all consumers.

Thank you for your attention to this matter. I am willing to provide further information or clarification as needed and look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TN)

I consumer XXXX XXXX reviewed a copy of my credit report and understand that Credit Management LP is violating my rights by trying to collect an alleged debt that they are trying to defame my character by placing it on my credit report. I will not continue to allow my right as a consumer to be violated. Under 15 USC 1692, I have laws that protect me as a consumer. This company has violated these laws and I am demanding a remedy and deletion of this account. 15 usc 1692 a ( abusive practices 15 usc 1692b communication by post card 15 usc 1692 c communication 15 sc 1692d harrassment 15 usc 1692e false or misleading representations 15 usc 1692 f unfair practices
Consumer complaint received 2023-11-06
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. (NC)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to XXXX Credit Bureaus last XX/XX/2023. And now we are in the month of XX/XX/2023 and still nothing from them. That means XXXX Credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THIS ACCOUNT IS STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2024-06-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (ND)

XXXX XXXX - Went to Wells Fargo on XXXX XXXX, XXXX XXXX to do a cash advance / money transfer from my international card ( which was loaded with {$6500.00} directly into my Wells Fargo account ). The teller did not know how to do the transaction and essentially messed up the transaction ; she inserted the incorrect address and also did not know how to process a visa. She was eventually assisted by a service manager, but by then the transaction had already been messed up. 
This same transaction had been done twice before, successfully, by 2 other tellers in the same branch. In the process, my money was taken but he bank from my international card to Wells Fargo.

My bank has proof that the transaction went through, that the money was taken from my card and is with Wells Fargo. The money should have cleared immediately, alternatively by XXXX XXXX. IT DID NOT! 
I have lodged a complaint with the Escalated Resolution Office on XXXX XXXX. I am yet to hear back from them when my money will be returned. Complaint Ref : XXXX. 
This is a huge problem for me as I can not continue with my travel plans until I get my money back. 

Information from my bank in XXXX XXXX is as follows : Cash withdrawal of USD XXXX XXXX was debited by Wells Fargo on the XX/XX/year>, now pending settlement with the merchants bank hence the transaction is not reflecting on Money App under transaction listing. 

XXXX DATE POST DATE CUR AMOUNT DESCRIPTION XX/XX/year> XX/XX/year> USD XXXX WELLS FARGO XXXX # XXXX XX/XX/year> XX/XX/year> USD XXXX FUNDS LOADED ONTO CARD
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Reporting bureau did not investigate with in the standards outlined thru CFPB and FTC. Bureau didnt give accurate reports on how they investigated and or deleted the error.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2024-06-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: TRUIST FINANCIAL CORPORATION (GA)

Truist Bank charged my HELOC account a XXXX assessment fee for insufficient funds for a monthly payment on XXXX/XXXX/XXXX. 
But this was a bank error because the monthly payment was paid on XXXX day before the payment was due. Truist Admitted this on XX/XX/XXXX when I called them. 
Truist tried to take another payment out on XX/XX/XXXX XXXX an ACH that was supposed to only be activated if the payment was not paid by the due date. 
I have called the bank on multiple occasion from XXXX and all the supervisors admitted that it was a Bank error But Truist refuses to reverse the XXXX charge. 
They told me twice that the reversal was approved But they lied, and it was denied. 
XXXX supervisors said they would get back to me and never called back. Even though they/Truist have admitted that the charging of the fee was as a result of a bank error, this statement is written in their notes and it is in their recorded phone calls multiple times, they refuse to reverse the charges. 
I called on XX/XX/XXXX and the representative said the reversal of the fee the supervisor promised me was not approved b/c there is no proof it was a bank error. This is even though the 3 supervisors before had agreed it was a bank error and the {$50.00} assessment fee should be removed. 
This fee was charged to my HELCO and is incurring interest. I filed XXXX formal complaints with the bank, and no one has called me back. 
Then I completed a survey with the detailed complaint, and on XX/XX/XXXX XXXX  from Client Survey ( XXXX ) called early Eastern AM ; when I explained the situation to her, she said she had to research and call me back BUT she never called me back. 
I have called her number back today XXXX, and XX/XX/XXXX, no one picks up the phone and there is no way to get in-touch with anyone. 
On XX/XX/XXXX I called the main number to talk to a supervisor, the representative put me on hold for 29 minutes and nothing. I have spent at least 10 hours calling and holding, and no one from Truist will get back to me or correct the error. I have advised them that b//c they refuse to correct the issue I am filing a formal complaint. 
The Bank needs to remove the XXXX wrongfully placed fee from the heloc balance, remove all associated daily interest on this fee, compensate me for the 10 plus hours I spent on the phone b//c of their error. The bank should be penalized for charging wrongful fees and interest.
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and Account # XXXX have violated my rights. 

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
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I reviewed my Consumer Reports and noticed that I had two or more late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XX/XX/2023 XXXX responded to a complaint via the XXXX  that a my vehicle was charged off because that account was in default not because it was discharged. Yet, XXXX XXXX XXXX is retiring a charge off on my consumer reports which is inaccurate reporting because of a charge off is being reported then that must mean a 1099C form was filed. Of a 1099C form is filed that debt, according to the IRS becomes ordinary income. INCOME cant be reported on a consumer report. If they are reporting a charge off but did it file a 1099C form that is FRAUD. I requested the 1099C form and they refused to send it to me. A 1099C form would make the charge off reporting INACCURATE. 

Furnishers of information ( XXXX  ) have a duty to report information to a consumer report with maximum accuracy.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative and inaccurate information in my credit report was submitted on XX/XX/2024, and I have not yet received a response.