davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
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: EQUIFAX, INC. (IN)

I am writing to file a formal complaint against Equifax for their failure to address inaccuracies on my credit report despite multiple attempts to rectify the situation. 
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed a dispute letter to Equifax requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. However, despite several attempts, I did not receive a response back from Equifax with the investigation results. 
These inaccuracies and incorrect personal details have adversely impacted my financial standing and credibility. Despite my compliance with all necessary procedures and requirements outlined by the Fair Credit Reporting Act ( FCRA ), Equifax 's failure to respond appropriately has caused me unwarranted stress and financial implications. 
Furthermore, I provided Equifax with my Government ID, proof of address, and a copy of my social security card to verify my identity, yet their lack of response persists. 
I am seeking intervention from the Consumer Financial Protection Bureau to compel Equifax to remove permanently the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 
According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do under the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to Equifax as proof.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (PA)

On XX/XX/2023 I used this card with my PIN number to get gas. I got {$25.00} in gas and when I got on to check my balance it had a hold for {$150.00}. I called to see how long this will take as we are on day XXXX of this hold. 

The prompts are not user friendly so I went with the transaction option. I talked to a lady and she said she was sorry and that she can not do anything about this. 

I got a notification and see that a a {$25.00} " clearing report debit adjustment '' was charged to my account. I am not sure what that is for. If this is due to my call, I was never told about this charge. Can this be reversed or refunded? The lady never said anything about this nor did any of the prompts. Do to this {$25.00} charge my card is now negative {$22.00}. 

Also is there anything that can be done about the hold? I normally would not care about the hold but I am in need of this money to be able to go to the grocery store.
Consumer complaint received 2022-11-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (CA)

ALDOUS AND ASSOCIATES PLLC XXXX XXXX XXXX XXXX, UT XXXX 

HARASSMENT FOR OVER A YEAR WITH CALLS, FRAUDULENT LETTERS WITH FORGED AND INCORRECT INITIALS, BANKING INFORMATION, BIRTHDATE CLAIMING DEBT OWED BY A CLOSED GYM THAT PERSONALLY ANNOUNCED ENDING AND RIPPED CONTRACTS IN PERSON. HAS NOT RESPONDED TO EMAILS AND CONTACT NUMBER IS NON WORKING
Consumer complaint received 2022-11-07
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aldous & Associates, PLLC (CA)

Have been receiving phone calls, followed by letters from ALDOUS & ASSOCIATES , PLLC XXXX XXXX XXXX XXXX, UT XXXX since 2021. It is for a gym that closed during pandemic, but this debt collector is claiming owed funds and sent a contract with forged signatures and initials, unknown bank account and incorrect birthday. Phone number XXXX on letter is not working. Have spoken with them on phone, returned emails with evidence, and sent copy of fraud investigation but still harassing as if nit received/do n't care
Consumer complaint received 2022-11-07
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Caliber Home Loans, Inc. (IL)

In accordance with the fair credit reporting act Caliber Home Loans Account # XXXX has violated my rights. 
15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681a Definitions ; rules of construction- Exclusions- except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 UCS 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-09-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (TX)

XX/XX/2020 the bank had a tow truck company stole my automobile. I have given bank promissory note twice. 3-603. TENDER OF PAYMENT.

Primary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Hard inquiries on my credit report that should not be on there are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The data breach really affected me and my XXXX XXXX. I did not apply for a car loan at those places mentioned above for i am not XXXX and have not been XXXX. The incorrect information on my credit report has my XXXX XXXX below where it suppose to be.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MA)

Hello Reviewer, My credit score has been negatively impacted because of a false statement produced by Synchrony Bank. Synchrony closed my Guitar Center credit card because of ; a lack of real estate information, balances on accounts too high compared to credit limits, too few accounts paid as agreed and not enough balance paid down over time.

Synchrony Bank is in violation of the Unfair, Deceptive, or Abusive Acts or Practices stated in the XXXX XXXX XXXX XXXX Reform and Consumer Protection Act of XXXX. I do own real estate, I have paid all my debts on time with Guitar Center/Synchrony and even paid off my debts early on two accounts. I have not gone over my credit limit. I requested to increase my credit limit with Synchrony and they accepted it. They set my limit to {$2700.00} and I had only spent {$820.00} recently. This is a utilization of 30 %. I have never been delinquent on any payments with Synchrony Bank in regards to the Guitar Center card and have paid off my balances before they were due. With the Guitar Center card I had, I took out a total of 3 loans. 2 in XXXX and XXXX in XXXX. Both loans from XXXX were paid off before their due dates as I had a 24 month 0 % APR financing. The most recent loan was for {$820.00} and 0 % APR for 48 months. I have made all payments on time with this most recent loan.
Consumer complaint received 2022-11-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (FL)

XXXX indicates date of service as XX/XX/13. This is almost 10 years. A debt that I don't know if it's mine and/or if it was paid off, since I have always had Health Insurance XXXX They say I owe the debt to XXXX XXXX XXXX XXXX. XXXX does not indicate who the Provider was.
Consumer complaint received 2020-08-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I notified the bureaus on XX/XX/XXXX of an incorrect item and address on my credit report well over 30 days ago and it has yet to have been removed or investigation completed.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2022-11-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MO)

I am writing about my account with Nissan Motor Account # XXXX. I attempted to reach out to Nissan to resolve this matter. I am requesting the original lease agreement which I signed. I would also like the full payment history for the duration on the lease since I believe some inaccuracies are reporting.
Consumer complaint received 2020-09-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (OH)

I have a Money Market Certificate purchased by my late mother ( XXXX XXXX XXXX ) for $ XXXX 10.85 % interest purchased on XX/XX/1985 from XXXX & XXXX, later XXXX XXXX, now owned by PNC Bank. PNC Bank investigated this for 1 month. PNC concluded : The MMC was cashed it. However there is NO PROOF-None. PNC also states they dont keep records over 7 yrs old. My mother was a payroll clerk for XXXX XXXX. She kept meticulous home financial records/journal. She would not keep a Worthless XXXX  still in its original plastic envelope. I can not afford an attorney.
Consumer complaint received 2023-01-06
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: MOHELA (CA)

MOHELA/DEPT OF ED is violating my consumer right by sharing my nonpublic personal information without my consent or providing me a proper notification of my right to opt out before doing so. This a violation on my customer right under the law.

Account : XXXX  15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy
Consumer complaint received 2020-09-29
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)

This Complaint concerns Equifaxs reporting of an alleged account with XXXX XXXX XXXX, Alleged Account # # # # # # # # # # # # # XXXX. A Fraud Affidavit was already supplied to these people. Per the Fair Credit Reporting Act, upon their receipt of this Affidavit, they were supposed to cause the removal of this alleged account from my credit report. They have already failed to do so, and thus have already violated the Fair Credit Reporting Act.

Even if this account were legitimate which it is not - please make note of the balance they have reported as to this alleged debt from  XX/XX/XXXX to present, namely : Date Balance Change XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$250.00} About 13.2 % Annual Interest XX/XX/XXXX {$250.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} {$37.00} reduction, no payment made XX/XX/XXXX {$230.00} About 10.7 % Annual Interest XX/XX/XXXX {$230.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest Per my Equifax credit reports from XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX XXXX appears to have been charging an approximate average of 13.2 % annual interest on this alleged debt. No contract exists where I authorized such interest on any such alleged debt. 

Per my Equifax credit report on XX/XX/XXXX, for no apparent reason, XXXX XXXX XXXX appears to have made a {$37.00} reduction in my alleged balance. I made no payment. 

And then, per my Equifax credit reports from XX/XX/XXXX to present, XXXX XXXX XXXX appears to be this time charging an approximate average of 10.7 % annual interest on this alleged debt. No contract exists where I authorized this amount of interest either. 

Their credit reporting simply can not be accurate, even if this account were legitimate. 

I am requesting that this fraudulent and inaccurate account be deleted from my credit immediately. 

Thank you for your time and attention to this matter, and I remain Very truly yours, /s/ XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-06
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)

I reviewed my Consumer Reports and noticed that I had 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 : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is the several times I've complained about being a victim of identity theft. You must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX  Balance : {$760.00} XXXX XXXX XXXX Balance : {$55.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$19.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$290.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$280.00}
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I satisfied my account with XXXX / XXXX on XX/XX/2022 through their attorney 's office XXXX XXXX XXXX I have attempted multiple times to get a letter from XXXX / XXXX directly showing my account XXXX a {$0.00} balance or settled in full. I keep getting the run around and my credit has not been updated. This is now affecting the purchasing of my first home which was set to close on XX/XX/2022 and now has been delayed. This is the only item that is keeping me from closing.
Consumer complaint received 2022-11-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Spring Equity LLC (CA)

I took out a XXXX XXXX XXXX with SpringEQ on XX/XX/2022 in the amount of XXXX. During the closing process, the lender paid off several outstanding debts including a personal loan through XXXX 's XXXX ( account number XXXX ) in the amount of XXXX. However, this amount resulted in an overpayment in the amount of XXXX which was refunded to the XXXX XXXX, the title company which initiated the original payoff [ Check No. XXXX ] However, to date, I have not received a refund nor has the amount been credited back to my home equity loan balance.
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 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 relation 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 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my second endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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