davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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)

I have submitted multiple disputes regarding these accounts that DO NOT BELONG to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT BELONG to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2022-05-02
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)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2024-10-09
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. (FL)

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.

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 informationisinaccurate.
Consumer complaint received 2022-06-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

I begin my refinancing applications with Chase bank in XXXX of XXXX. I am refinancing 4 homes including my primary residence. All of my current mortgages that I am refinancing are also currently with Chase bank. All loans are current. All four loans were offered slightly different interest rates between 3.5 % -4.5 %. Anticipating XXXX raising the interest rate I asked my Lending advisor- employee of the bank to lock the rate, end of XX/XX/2022. He confirmed the locks. However, ultimately he confessed that he did not lock when we discussed the matter and was apologetic for his mistake. He thought that interest rates would dip again and he would lock but they never did. By now each mortgage interest rates are about 2 % higher than initially quoted on total loan amount of about XXXX. Chase bank admitted the mistake as it is documented in the email correspondence but refused to accept any responsibility for mistake by their employee. I threatened legal action. After matter going up the chain they stated that they would offer me loans with interest rates initially agreed upon. Now nearly 2 months and several intermediaries ( Chase employees ) we are nowhere close to getting done. Chase has implemented process of unending document requirement in hopes of discouraging me to continue process with them or to find something that they can point to as a reason to not make the loans. I am seeking consumer protection against a major XXXXXXXX XXXX that does not want to own up to its employee 's mistake to make things right. I am writing this letter in hopes that some Federal oversight agency that is neutral, has authority to investigate my complaint and has ability to punish the lender for its wrong doing.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

On Monday, XX/XX/2022, I contacted Equifax Credit Report regarding my credit score. Prior to contacting Equifax, my credit score was XXXX. However, once I conveyed my displeasure that the score given to possible creditors who inquired about my credit information from Equifax and my credit score was given to them to be XXXX. I was then placed on hold and within minutes the representative dropped my credit score down to XXXX. When asked why did my credit score drop down XXXX points, the representative informed me that it was due to my student loans showing to be under XXXX XXXX. I informed the representative that my student loans are no longer under XXXX XXXXXXXX, and I have an income based repayment plan. My XXXX XXXXXXXX was discharged in XXXX XXXX. 
Also, I informed the representative that it is showing me to owe XXXX XXXX XXXX {$310.00}, which is incorrect. To date, I am a XXXX customer and have car insurance through XXXX. The representative placed me on hold and as I type this complaint, I have been on hold showing 1 hr and 3 minutes. 
I have screenshot the information of Equifax prior to my telephone conversation, and after my 5 minute conversation with the representative. In addition, my mortgage is not shown on my credit report. 

The representative from Equifax falsely lowered my credit score, and the information shown on my credit report is incorrect and falsely placed on my credit report. This type of fraudulent should not be tolerated, especially towards a XXXX Veteran who served XXXX years in the XXXX XXXX. 

I would like to file a complaint against Equifax for reasons mention above. 

I can be reached for further information at XXXX. 

Thank you for your assistance.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am a victim of identity thief and that should have never came by verified. I recently went to XXXX 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 

The accounts and addresses below are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

Capital One - authorized user- account opened XXXX
Consumer complaint received 2022-12-14
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (CA)

Several years ago my mom and I took the money my son had received in bonds and checks from relatives to JPMorgan Chase to open an account for him. The bank representative told us we were opening up a regular savings account for a minor. It turns out he in fact opened a custodian account in my son 's name with my mom as custodian. None of this was disclosed to us. This would be ok but we discovered this when we received a notice that the account would suddenly start being charged {$25.00} fee per month. I went to change the account to avoid the monthly fee and was told it is a custodian account in my mom 's name. My mom XXXX XXXX  XX/XX/2021. I was given the run around with her death certificate, trust, etc. I started this inquiry to resolve the matter in XXXX ( fees started in XXXX ) and now am told I can only go to court to open a probate matter to get another custodian appointed. I have asked if I leave the funds in until he is XXXX XXXX XXXX, but they stop the fee, I would be ok with that reoslution. But they said they can't help me. Instead, they will continue assessing a $ XXXX fee and by the time my son is XXXX there will be no funds left. We never knew this would be a custodian account, they defrauded us probably to get some sort of reward or hit a metric as a bank representative. And now they have suddenly added a fee to the account. And we can do nothing.
Consumer complaint received 2021-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

On XX/XX/2021 I sent a debt validation letter to ERC XXXX XXXX XXXX XXXX, Its been more than 30 days and they have not responded my request. ( letter attached ) I am distressed that ERC have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. ( FCRA ) Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

Re : Account # XXXX Please remove it from my credit report. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account Deletion from all consumer reports. 

Best Regards XXXX XXXX XXXX
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (TX)

In accordance with the Fair Credit Reporting Act XXXXt XXXX XXXX account has violated my rights. 

15 U.S.C. 1681 section 602 A : States I have a 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.
Consumer complaint received 2022-07-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (AZ)

Several months ago I opened a new auto loan with Bank XXXX XXXX, and paid off my auto loan with US Bank. Since then I have contacted US Bank XXXX times and spent several hours on the phone with them to obtain the title to be sent to Bank XXXX XXXX, or a letter reflecting the lien release that I could take to the XXXX. On each occasion they have stated that they have mailed the title to me and would provide a lien release letter. I have not received either, and have continued to contact them in an attempt to have the matter escalated. I have even gotten Bank XXXX XXXX on the phone with US Bank, and reached out to the XXXX for assistance. No one can locate the title and every time I am told an associate at US Bank is escalating the issue or overnighting the lien release letter to me, nothing happens. Attached are the screen shots that US Bank provided as proof that they are working on this, but have not concluded the matter. I have been attempting to resolve for approximately XXXX months, and Bank XXXX XXXX will close my loan if I can not provide them with a title.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (PA)

I deposited a check for {$1900.00} on Friday XX/XX/XXXX at XXXX XXXX from a business whom I XXXX  for for XXXX years. Ive never had an issue with any of the over XXXX checks Ive deposited from them. As soon as I made the deposit a notice that {$250.00} would be available the next day and the rest would be available on the XXXX! 
The {$250.00} was never released leaving me without cash for the week. I had a friend XXXX me {$20.00} for lunch on Tues the XXXX, the money showed as available in my app, when I attempted to purchase lunch it was declined, multiple times. I call and speak to XXXX in Maryland at XXXX XXXX and informed her of my situation she claims to be a supervisor when I asked for one. She said there is nothing she can do, and Ill have to go without lunch today. The earliest she could process the check was Wednesday morning the XXXX. So in the evening around XXXX on Tuesday I call Discover and ask that they cancel the check so I can cash it at the bank from which it was issued the next day. They said they cant because its already been processed furthermore I check my app and miraculously the {$20.00} I needed for lunch is now available. This is not how you treat a client. Making false and/or contradictory statements. I live check to check and leave it to them Ill be scrambling to XXXX shop for my family 5 days before XXXX. Its aweful the way that they treat people and they deserve to be penalized if only by being exposed. Thanks for your time.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, 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. (GA)

Equifax has violated by rights by not having complete and accurate information for : XXXX XXXX XXXX account number ending XXXX. The 'Date of Last Activity ' is INCOMPLETE.
Consumer complaint received 2022-06-28
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX  Account Equifax, has violated my rights. 15 usc 1681 section 602 states I have a right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions. 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-22
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 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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$530.00}
Consumer complaint received 2022-12-03
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. (MS)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15c USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 a section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose
Consumer complaint received 2022-06-28
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: CITIBANK, N.A. (TX)

There's 2 Macys Credit cards on my account that were paid and close on XXXX. However Macy 's kept both open until XX/XX/XXXX to accumulated more fees despite the cards to my knowledge been close on XXXX. 
Now both cards show on my credit report as charge offs on XXXX and XX/XX/XXXX when this information is not accurated because both accounts were paid off and closed on XX/XX/XXXX. 

I need macys to report the accurate close date on my cards and to show them as paid and closed because they were paid and closed on XX/XX/XXXX.
Consumer complaint received 2021-11-18
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: EQUIFAX, INC. (CA)

On XX/XX/2021 I have sent a dispute letter to Equifax. My dispute letter included clear reasons of why I was disputing the five accounts that I was disputing. I also included clear instructions for each item that was to be in dispute. I included clear identification and enough information so Equifax was able to identify me. 

Equifax has a legal obligation to conduct a reasonable investigation within 30 days. Equifax has knowingly refused to do the investigation they are obligated to conduct. 

Today, XX/XX/XXXX I will be mailing another letter to Equifax. My letter will be a request for them to follow their obligations under these circumstances as written in the Fair Credit Reporting Act. 

Letters attached to this complaint.
Consumer complaint received 2022-06-28
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: EQUIFAX, INC. (GA)

I never gave your company a written permissible purpose letter to have these companies access my consumer report. I have previously tried to rectify this situation with your company instead of elevating this to other authorities, however, after numerous stall tactics I had to reach out to the FTC. I demand for your company to delete these fraudulent inquiries from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-18
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. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

I sent letters within last 45 days in regards to me not being able to obtain a credit score or report from all three bureaus, this issue is causing a big XXXX because they are not responding to my letters and im paying for a credit monitoring subscription and still cant access a report. NO communication and no reports have been sent to my address.
Consumer complaint received 2021-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/2021 I notified XXXX XXXX XXXX now XXXX XXXX XXXX that there was an error on my account as I paid XXXX payment of {$450.00} on XXXX and I received notification that I was showing past due.I immediately followed up with XXXX/XXXX  indicating that I have the receipt showing my account was never past due 30 days. It was then confirmed that I was correct and that the problem was resolved. XX/XX/2021, I received an alert on credit report TransUnion, XXXX, and XXXX  that I was reported late. I then contacted XXXX/XXXX  and spoke with XXXX XXXX to enter the dispute and it will be corrected immediately. On XX/XX/XXXX I received an alert that my credit report dropped 21 points due to this error still showing 30 days past due. I have left countless messages for someone to get back to me and today, left another urgent message to contact me and to no avail have I heard back from this creditor. Also, this has been going on since XX/XX/2021 first with XXXX XXXX who was to fix the problem and now XXXX who I have left a message for a call back. To date, I'm still receiving alerts that I'm past due. When they show payment received!
Consumer complaint received 2022-07-25
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. (TX)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under XXXX USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 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.