davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

This is my third attempt at resolving an overpayment of city taxes resulting in an overdraft of my escrow account. Truist assured me that they had requested a refund from the city of XXXX on XX/XX/2022. They sent me a letter stating this was confirmed on XX/XX/2022. I called the city of XXXX as the 60-day processing deadline is rapidly approaching, I have not received my refund for the overpayment of taxes last year, in fact, I have been charged again for the year XXXX. They told me today they have no record of a refund request, not only do they have no record of a witten request, there was no case number even associated with my address. They processing time has not even started and I had to apply for the refund today ( Service Request # XXXX ) meaning 60 business days from today I could possibly get my refund. I called Truist today at the request of XXXX city to ask for a copy of the original request/confirm it was sent. They were unable to provide proof a request was sent other than their internal records stating one was sent. 6 months of an overdrawn account is absolutely unacceptable. I have never experianced such mismanagment of anything in my life. Truist should be embarrased. I again request the closure of my escrow account as it is being mismanaged. Truist had previously stated that " Unfortunately, we are unable to remove your escrow due to your loan-to-value is greater than 80 %. '' Truist has a duty to manage my funds correctly, if they prove themselves incapable of doing so, I should not be bound by a loan-to-value. They are neglecting their duty and putting our Mortgage and taxes at risk.
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (CA)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX 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 an 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 2023-05-24
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)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX Credit Card with account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX Credit Card with account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX  XXXX Credit Card XXXX account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX with account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX  Credit Card with account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX with account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX  Credit Card with account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} Inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry from XXXX XXXX  on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (CO)

I closed the Navy Federal Credit Union bank account checking and savings. However, they reopened the account only due to money i owe them on a credit card. The actual debit is at a credit and collection company. Little over {$11000.00}. This is causing me significantly issues with me receiving medical assistance. The institution will not provide me a letter of closure. And the collection company doesnt have that information to provide me. I closed the account around XXXX i dont have those records anymore. It exceeds the 3-5 years of documentation requirement for proof to the state for tax reporting. I am on XXXX and have been for over XXXX or more. The state of Colorado hasnt inquired about this account in the previous 5 years. I dont know why they wont give me my benefits that Ive had for the last XXXX years. They are saying i have to provide proof of amount in this account. I DONT have this - its not a open cash account- its only open because of the debit they are trying to collect.
Consumer complaint received 2022-11-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Worth Finance Corporation (TX)

I received a loan letter with a check for {$1500.00} from the Worth Finance Corp, for which I never requested the loan. The APR 96.85 % is so crazy asked to pay back {$2200.00} and monthly pay {$190.00} to them because of the {$75.00} acquisition fee and {$720.00} handling fee. 

A family member didn't find it was a loan letter and deposited the check to the bank. However, we do not require a loan, and we never need the loan from the company. We contact the company, and who request us to provide the ssn and personal information to create the account. We do not want to provide our private information to this unknown company and want to return the money they send to us.
Consumer complaint received 2021-10-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc. (TX)

We have a loan financed by Aqua Finance. I received one letter from them prior to our first payment being auto drafted from our bank account. That letter said we would receive a statement so we knew what our loan balance and such was, along with account information so I could register for online access. To this day, I have not received anything more. I have never gotten a statement yet they have taken 2 payments out of my bank account. I have tried 10 times to call their 800 # on the letter and get disconnected or it rings endlessly with no answer. I can not get online access without the information they say they would send and whats more important- I should receive a monthly statement and havent gotten a single one. I researched extra ways to reach them online and all I see are pages and pages of XXXX  complaints about similar things. It seems they are not upholding their obligations as a lending institution. I just want my statements and information so I can manage my account online.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I disputed inaccurate information for the account XXXX XXXX Credit XXXX of XXXX  with the creditor. Accordingly, as per the FCRA the creditor is required to conduct a reasonable investigation and modify or delete the disputed information as I requested before the end of the 30 day period of the date in which they received my original claim. Upon my dismay, the creditor failed to conduct a reasonable investigation for the dispute. As attached you can see the inconsistencies between the 3 credit bureaus. Experian is reporting a duplicated account for the same creditor and the same balance twice. However, theres several inaccurate information between the two reports for the same credit account. The account is reporting as potentially negative/ delinquent/past due 120 days when the account is currently positive and paid as agreed. The last active date reported was XX/XX/2023. The monthly payment is reflecting a monthly payment of {$250.00} and a balance of {$3000.00}. The creditor is in violation of my FCRA rights and is committing double jeopardy therefore negatively impacting my credit score.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (CA)

I am now seeking damages with litigation since Equifax demanded the date be added to the FTC report which is another gimmick and predatory tactic to avoid penalties and delay removal. 

Under adding the inquiry there is NO way to add the day to the date. I have edited the report to manually add the date and once again I am seeking {$1000.00} per violation of FCRA XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX Fraud FTC removals ASAP further delay will result in more monetary damages awarded
Consumer complaint received 2024-01-22
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: Experian Information Solutions Inc. (MO)

Lie number 6 experian closes 3 while working on another 3 issues problem is there all the same which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (NC)

I submitted a complaint last XX/XX/2023 and it was closed immediately and is marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2021-09-02
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: EQUIFAX, INC. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-01-22
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. (PA)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

I am also placing a FTC reference number- # XXXX  so that you can verify the inaccuracy of fraud that is placed on my credit report.

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; 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 XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$660.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (IL)

Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and noticed unauthorized inquiries. Tried contacting credit reporting agency and the creditor and got the run around. These unauthorized inquiries are hurting my credit. These are the inquiries below : XXXX XXXX XXXX XX/XX/20 XXXX/XXXX  XX/XX/20 XXXX XXXX XX/XX/20 XXXX  XX/XX/20 XXXX/XXXX  XX/XX/20
Consumer complaint received 2022-08-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I've been getting several phone calls everyday by this company Portfolio Recovery to all the phone numbers I have as in work, emergency contact, home and alternative contacts. Myself and my emergency contact told them, to stop calling and that we're not even sure of what debt they're even talking about as I've had multiple XXXX XXXX accounts since and before XXXX but disputing it didn't do anything. I don't know what else to do. I have attached just a few of the calls to my main number.
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Opened XXXX {$380.00} XXXX XXXX XXXX Opened XXXX {$410.00} XXXX XXXX XXXX XXXX Opened XXXX {$740.00} XXXX XXXX XXXX Opened XXXX {$750.00} XXXX XXXX XXXX Opened XXXX {$840.00} 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
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (GA)

The individual alleges that JPMORGAN CHASE & CO. violated their rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to credit bureaus without proper consent. They highlight several key violations : Violation of Privacy Rights : The individual claims their credit report, as non-public personal information, should be protected, and JPMORGAN CHASE & CO. failed to disclose their right to rescission.

Failure to Obtain Consent : JPMORGAN CHASE & CO. allegedly reported information without the written consent of the consumer, as required by FCRA Section 604.

Misrepresentation of Credit Payments : They argue that JPMORGAN CHASE & CO. misrepresented credit payments, potentially committing security fraud. 

Willful Violation of FCRA : The individual warns that any continuation of negative reporting would constitute a willful violation of the FCRA, demanding accurate reporting and correction of their credit report. 

Legal Action Threat : They threaten legal action if JPMORGAN CHASE & CO. fails to comply with their demands and request the transfer of funds to their Treasury Direct Account within three days. 

The individual asserts that their application is being traded as a security without their authorization. They emphasize that they have unequivocally revoked any consent for such trading activities. This unauthorized trading of their application is a grave violation of their rights and demands immediate cessation. 

Moreover, the individual cites specific sections of the U.S. Code to support their claims : 15 U.S. Code 1666b : Creditors are prohibited from treating payments on credit card accounts as late under an open-end consumer credit plan. 

15 U.S. Code 1666d : If a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction, the creditor must refund any remaining balance upon the consumer 's request. This refund should be made in good faith, and can be provided via cash, check, or money order.
Consumer complaint received 2023-05-20
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX Balance : {$3600.00}
Consumer complaint received 2022-11-20
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. (CA)

Last night, I rec 'd an alert from XXXX XXXX starting that I applied for a CC with XXXXXXXX XXXX. I've never applied with XXXXXXXX XXXX  I called XXXXXXXX XXXX XXXXXXXX Fraud Dept XXXX and XXXX XXXX advised their was an Application ID # XXXX that was TD= Turned Down but she couldn't view the date. 
She advised me to reach out the XXXX credit bureaus and FTC and XXXX XXXX I am requesting a freeze on my credit.