davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
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: EQUIFAX, INC. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-11
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to formally dispute and request the immediate correction of an inaccurate late payment entry on my credit report. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
Upon a thorough review of my credit history, I have identified that other credit bureaus have accurately reported my positive payment history with this creditor during the mentioned timeframe. However, your bureau continues to display an inaccurate late payment entry, raising concerns about the accuracy of the information being reported.

It is perplexing that these discrepancies exist across credit reports, questioning the consistency and accuracy of the information reported by your bureau. I kindly request that your bureau conducts a thorough investigation into this matter to rectify the inaccuracies on my credit report. The Fair Credit Reporting Act ( FCRA ) mandates the accuracy and fairness of credit reporting, and it is essential that your bureau upholds these standards.
Consumer complaint received 2023-08-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NJ)

Company : Credit Collection Services Sent to collections : XX/XX/23 Credit score drop : XX/XX/23 Amount : {$66.00} They made no attempt to contact me personally. I don't live at home anymore, and my parents receive a lot of junk mail. I was only made aware of the debt by my credit score dropping. I asked and pleaded for a goodwill deletion, emailed and called, to which they claimed that wasn't possible. All I want is my credit score back to normal now that everything is paid.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to delete credit bureaus ' errors. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-11
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I have provided extensive documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and other supporting evidence, clearly demonstrating that these accounts are a result of identity theft. Yet, my claims have been summarily dismissed without proper investigation or resolution. I am writing to express my extreme frustration and disappointment in the way my identity theft dispute has been handled by your bureau. It has been an unreasonably long and arduous process, with repeated denials despite the clear evidence I have provided. I have provided extensive documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and other supporting evidence, clearly demonstrating that these accounts are a result of identity theft. Yet, my claims have been summarily dismissed without proper investigation or resolution. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
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. (NJ)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or omit the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX I filed a fraudulent claim with Navy Federal Credit Union for a charge from XXXX XXXX for {$180.00} that was not supposed to happen. I spoke with customer service and she admitted this was an incorrect charge and XXXX  would refund me in three business days. That never happened. I submitted a fraud claim with Navy Federal Credit Union on XXXX XXXX  They immediately issued a temporary credit in that amount while investigating ( a process that could take up to 90 days ). 

On XXXX XXXX XXXX XXXX charged me a second time for a different amount of {$180.00} for the same transaction. I immediately called Navy Federal Credit Union and filed a dispute, letting them know it was the same transaction and to stop any future charges. The only way to do that was to close down my debit card ( a true hassle ) so I did. I went through the dispute process and did not receive a credit to my account. I was told it could take up to 10 business days. It has far passed that and still no credit. I called back on XXXX and was told they weren't sure why it wasn't there. The " system '' determines if a credit is issued. 

It takes a person to simply look into the fraudulent charge. To date, I am out {$180.00}. It is the holidays and I need this money. In addition, they are now having issues posting transactions. 

They used to be a great company to work with but they are not taking my account seriously. Can someone please help me recover my money and make sure this isn't happening to others?
Consumer complaint received 2023-12-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to express my deep frustration and dismay regarding your continuous denial of my legitimate identity theft claim. Despite providing clear evidence, including a Federal Trade Commission ( FTC ) Identity Theft Report ( Report # XXXX ) and a police report from the XXXX XXXX Police Department ( Report # XXXX ), you persist in violating my rights by refusing to acknowledge and address the fraudulent accounts on my credit report. It has been over a year since I initiated this dispute, and the fact that it remains unresolved is not only unacceptable but also a direct violation of multiple laws governing consumer rights and fair credit reporting. I am left with no choice but to bring this matter to your attention and issue a final warning before pursuing legal action. Your refusal to take appropriate action not only disregards the evidence I have presented but also demonstrates a willful violation of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I demand, in no uncertain terms, that you promptly and thoroughly investigate my identity theft claim and take immediate steps to delete the fraudulent accounts from my credit report. Accounts : XXXX XXXX  XXXX and XXXX XXXX.
Consumer complaint received 2023-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written, unwritten, verbal, and nonverbal per 15 USC 6802. Opting out of credit card reporting. Account ending in XXXX.
Consumer complaint received 2023-09-14
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MA)

In XX/XX/XXXX, a representative came to my house for a fence installation project. Lowes offered financing of a 7.99 % simple interest loan and equal payments of {$230.00} a month for ten years through their apartment Synchrony Bank. The total amount of the purchase was approximately {$22000.00} ( which was split into two different payments ). I have been paying on time every month. Recently, the bank started charging me a crazy 27 % of compound interest on the purchase, claiming that the promotion had expired in addition to adding nearly {$5000.00} of interest charged to the account. The bank increased my required minimum payment of {$230.00} or so to approximately {$740.00}. They are damaging my credit due to the inability to make this huge payment that I did not sign up for, they are causing me hardship. 

I started contacting Lowes and the bank about the issue on XX/XX/XXXX, and to date, I have no resolution. After many attempts to resolve the issue, Lowes admitted they applied the incorrect promotion when they charged my card. Lowes claimed that they fixed the situation with the bank ; however, it appears that neither the bank nor Lowes want to honor the 10-year equal payment terms. Lowes wants to put me on their current promotion, which is 84 months rather than 120 months, with a significantly higher payment still. 

Lowes was not transparent with me when the purchase was made. Lowes also refused to give me a receipt of a copy of my contract. It is difficult to contact Lowes and their employees are irresponsive. 

I am attaching an account statement that shows the recent interest charge and change in minimum payment.
Consumer complaint received 2023-12-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (FL)

Yesterday, XX/XX/23 I decided to take advantage of Chase 's " Enjoy up to {$600.00} for new Checking and Savings customers promotion. It provided XXXX options get a code email to open an account at the branch OR open the account online and the promo would be applied. Since I don't normally do branch banking, I elected to open the account online. During the account online process, there were no fields to add a promo code since the ad stated the promo code would be applied when choosing the button provided to " Open Both Accounts '', which is the action I selected. That process failed. 

Only after the accounts were opened, I saw a brief message flash that the promo could not be applied. I called Customer Service at XXXX and first spoke to XXXX who said she could not see that the promo was applied and could not do anything about it. Perhaps I should go to the branch to get this resolved. I requested the call be escalated to a supervisor. I was placed on hold and eventually transferred to XXXX, a supervisor. XXXX instructed me to wait until Saturday to call and confirm the status. I advised XXXX that this was deceptive advertising and that I would file a complaint against Chase under XXXX if this was not resolved. She opened an internal complaint, but I have no assurances the issue with the promo code will be resolved. That complaint number is : XXXX. The process I followed and qualified for, is being reneged only after I opened the accounts. She had to be asked to open a complaint. She advised me that there is a XXXX grace period to get this resolved. Chase is engaging in deceptive advertising practices and bait and switch. I chose the " Open Both Accounts '' and the promo was not applied. Furthermore, Chase 's staff is unfamiliar with how the promo works and is placing the onus on me as a consumer to keep following up in hopes of getting this resolved. I had to make XXXX calls in 2 days to re-explain the issue to no avail. 

Fully knowing that many people will not follow through. Both my checking account and savings account were opened using " Open Both Accounts '' button and Chase is refusing to honor the promotion - according to XXXX, they don't have a way to add the Promo Code. 
Attached are screen capture images of the promo. I am asking Chase to honor the promotion they advertise by XXXX. Sending me written confirmation that the promo code has been added along with a root cause explanation of why this occurred XXXX ) ensuring that I receive the {$600.00} credit and I want them to train and empower their staff to assist consumers with such issues in the future. The onus should not be shifted on the consumer to make multiple calls and be bounced around with no resolution in sight.
Consumer complaint received 2023-01-27
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-11
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: Experian Information Solutions Inc. (MO)

15 U.S. Code 6805 - Enforcement I need the Consumer Financial Protection Bureau ( CFPB ) to open up and do a thorough investigation into the major credit bureaus regarding the credit bureaus refusing to delete and remove fraudulent hard inquiries from a consumer credit report and UPDATE TO PAID AS AGREED ON ALL ACCOUNTS REPORT reporting inaccurate information and violating my privacy rights. These accounts have violated and are not in compliance with law THE FOLLOW ACCOUNTS AND COMPANYS XXXX  XXXX XXXX ( XX/XX/XXXX AMOUNT {$1100.00} ) XXXX XXXX ( XX/XX/XXXX AMOUNT {$11000.00} ) XXXX XXXX XXXX ( XX/XX/XXXX {$1400.00} ) XXXX XXXX  XXXX XXXX ( XX/XX/XXXX AMOUNT {$1200.00} XXXX ( XX/XX/XXXX AMOUNT PAID/CLOSED ) XXXX ( XX/XX/XXXX AMOUNT {$1400.00} ) XXXX XXXX XXXX XX/XX/XXXX, {$4000.00} ) The hard and inquires that are negatively affecting my creditworthiness are not in complaince with the FRCA the several non-mailable addresses that I have demanded to be removed that are affecting my report. As a federally protected consumer under the Federally Protected Consumer Act The Privacy Act of XXXX my rights have been majorly violated by these reporting companies and agencies. Not one company has permission to report my information. they do and are reporting inaccurately.

15 USC 6802 : Obligations with respect to disclosures of personal information IT IS ILLEGAL TO REPORT TRANSACTION HISTORY -15 U.S. Code 1681b - Permissible purposes of consumer reports no company has received my written non written verbal nonverbal consent to do publish my personal information on my report the information according to15 usc 1681 ( b ) ABOVE ALL THINGS XXXX ACCORDING TO SEC.FILINGS IS NOW XXXX XXXX XXXX, XXXX A REPORTING AGENCY I DO NOT KNOW I did not consent for them to receive any information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX ARE IN VIOLATION OF MY RIGHTS ARE IN VIOLATION OF THE LAW I AGAIN DID NOT GIVE ANY CONSENT FOR ANY THIRD-PARTY COMPANY TO RECEIVE MY INFORMATION PRIVACY ACT OF XXXX  15 U.S.C. 1681-1681 FEDERAL REPORTING CONSUMER ACT 15 USC 1681 - [ EROMSIBLE PURPOSE 16 CFR 433.3 15 USC 1681 ( b ) 15 USC 6802-6805
Consumer complaint received 2023-12-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (WV)

XXXX XXXX XXXX  I requested information of payments made and never received history of applied payments. I can not reach anyone over the phone that will send this information to me due to another CFPB complaint with them. I was told that my mortgage was paid in full by a representative and now I have a Writ of Execution for the prior title company demanding payment. I need this resolved as soon as possible.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mobiloans, LLC (CA)

I am submitting this consumer complaint regarding an unauthorized payday loan entry, account # XXXX, that was illegally furnished by Mobiloans to XXXX XXXX XXXX 

In XX/XX/XXXX, I formally disputed this loan entry and requested verification from XXXX and the creditor Mobiloans. On XX/XX/XXXX, I received documentation from Mobiloans that purports to show a loan application filed by myself. However, the attached application lists my date of birth incorrectly as XX/XX/XXXX. Additionally, my social security number and drivers license number were obscured and listed as all XXXX XXXX I have never completed any application nor agreed to any such loan terms with Mobiloans. 

Regardless of the inaccurate information on this fabricated application, any payday loan issued to me as a California resident by Mobiloans, which operates under tribal law, constitutes an illegal contract. Mobiloans lacks the California state license required under Financial Code 23005 to legally issue the deferred deposit transaction. 

In summary, Mobiloans maintains invalid and inaccurate loan information furnished without my authorization on my consumer report. 

I request the CFPB take swift action to compel Mobiloans to permanently remove this unlawful debt information and rectify this harmful violation of fair credit reporting protections.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.