davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (FL)

Months 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 include it again. Kindly correct or repair the following items : 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 XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-06-16
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 find it disturbing to see my Credit File infested with fraudulent items as this will be my third request to remove these information from my credit file resulting from the fraud. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. But despite the previous dispute letters I sent to the Credit Bureaus, these fraudulent items are still being reported. The Credit Bureaus ' blatant neglect of the Fair Credit Reporting Act section 605, is a clear violation of my consumer rights under the Fair Credit Reporting Act. Please understand that as a consumer, I rely to only accurate reporting but I see here that the Credit Bureaus do not present " FAIR '' nor " ACCURATE '' reporting which is very disappointing to look at. I am submitting this Complaint once again, despite the previous countless Complaints I already submitted, to bring this matter to the Credit Bureaus ' attention and have all fraudulent items removed completely from my Credit reporting : 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 XXXXXX/XX/XXXX. The Credit Bureaus should have provided copies of documents the moment they claim that the information they present is accurate, but I received nothing. Without these documents, the Credit reporting Agencies should remove and delete the disputed fraudulent items from my Credit File as soon as possible.
Consumer complaint received 2023-06-18
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

Please see my previous Case Number for - XXXX. 

Capital one said the inquires on my account will be removed but it still hasnt for my XXXX  XXXX XXXX XXXX score and fico score. I was advised to wait 60 days for the changes to reflect and have those inquires removed but up until now it stills shows capital one inquires on all my credit reports. please see attached letter you sent me. 

am in the middle of applying for my mortgage so please set urgency.
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (TX)

I am a real person, a XXXX Citizen with Consumer Protection and Privacy rights under FCRA! 

XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX XXXX I was never late of on the paid off accounts listed above. Please show me documentation showing I was ever late. Prove your inaccurate reporting on my credit report. I should receive contact details for the person you used to falsely verify this information. Using XXXX or any other information system to verify an account has been ruled as not valid because they are consistently inaccurate and are not sufficient to verify credit report data by the courts, so please stop violating federal law by NOT performing a proper investigation. If you are not able to provide documented details for the method and contact details for the person you used to validate this information, you are required to delete these inaccurate late payments immediately. 

Also note that neither XXXX XXXX nor XXXX XXXX XXXX ever notified me that there was ever an issue with payment within 21 days of the payment as required by law. Autopay was setup on their system. They are responsible for processing the payments with a merchant payment processor that is reliable. The consumer can not be punished for failure of the company/creditors payment system or inaccuracies in their records. These accounts have been paid in full and closed for months. Yet you all still keep reporting the inaccuracies. I have never made a late payment. 

The law in case you don't want to search for it : https : XXXX 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2017-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX and I am a XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX. 

I had submitted a bank statement request for a client on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that they were unable to process the request. I would like to receive the bank statements requested. 

Document Identification : XXXX
Consumer complaint received 2023-06-16
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)

I am a real person, a XXXX Citizen with Consumer Protection and Privacy rights under FCRA! 

XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX XXXX I was never late of on the paid off accounts listed above. Please show me documentation showing I was ever late. Prove your inaccurate reporting on my credit report. I should receive contact details for the person you used to falsely verify this information. Using XXXX or any other information system to verify an account has been ruled as not valid because they are consistently inaccurate and are not sufficient to verify credit report data by the courts, so please stop violating federal law by NOT performing a proper investigation. If you are not able to provide documented details for the method and contact details for the person you used to validate this information, you are required to delete these inaccurate late payments immediately. 

Also note that neither XXXX XXXX nor XXXX XXXX XXXX ever notified me that there was ever an issue with payment within 21 days of the payment as required by law. Autopay was setup on their system. They are responsible for processing the payments with a merchant payment processor that is reliable. The consumer can not be punished for failure of the company/creditors payment system or inaccuracies in their records. These accounts have been paid in full and closed for months. Yet you all still keep reporting the inaccuracies. I have never made a late payment. 

The law in case you don't want to search for it : https : XXXX XXXX XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2023-06-19
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. (FL)

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 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 2023-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been a customer of Capital One for 4 years. I have never been late, I have never been over the credit limit. Most of my payments were in full. This summer I would like to purchase a used vehicle in cash, so I decided to pay less on my credit cards and keep more cash. 
On XX/XX/2023, all 3 of my accounts were restricted without warning. They claim that the " fraud department '' needs me to submit 3 recent bank statements to confirm my identity. 
This does not make sense, and there is no reason to do so. Is this because I'm not paying my balance in full anymore? Is this because it took several tries for me to obtain a cash advance since customer service kept giving poor instructions on how to do so each time I called? When I called the " fraud department '' on XX/XX/2023, the rep was very evasive. 
Since I didn't receive any response to my letter, I called the " fraud department '' to follow up today XX/XX/2023. I spoke with the 1st rep who acknowledged the letter, and then was transferred to her manager who claimed that she didn't see any letters. Then this same manager hung up on me! She informed me that I was be recorded, ( which is perfectly fine and expected ), and I told her I was recording her as well. She stated I couldn't record her and hung up on me. I would like for the recording of this conversation to be part of this investigation. 
Since my tendency has always been to use the credit cards for daily use to avoid my debit number from being overly exposed, I now have the burden of figuring out what auto-bills I need to change over to different account numbers. 
I'm attaching the letter, a snapshot of my accounts, a snapshot of my XXXX XXXX profile showing that I have a 100 % on time payment history on ALL credit terms with ALL credit companies, and proof of the letter I sent that the manager denied receiving.
Consumer complaint received 2023-06-19
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)

I called your department after I purchased a credit report with XXXX on XXXX2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXX  XXXX XXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX XXXX  Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, W2, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2023-06-19
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. (NY)

This is a formal complaint to inform you that the account listed below is reporting erroneously & are inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX
Consumer complaint received 2023-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 information is inaccurate.
Consumer complaint received 2023-06-18
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 — Their investigation did not fix an error on your report
Company: M.A.R.S., Inc. (OK)

I am trying to buy a house as a mother I was denied and then realized negative accounts causing damage on my credit report. I recently filed a police report regarding the issue and I have submit an affidavit listing the account.
Consumer complaint received 2023-06-16
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (IL)

i experienced financial hardship during this time I was not able to make payments on my student loan. I follow that directions listed online to call and discuss possible repayment options. I was not offered a repayment options as a result I was 60 days late on my payment. my credit has been deeply affected. My loan repayment options were not presented to me correctly at the banks discretion, I was not offered forbearance deferment extended term repayment or the rate reduction program.
Consumer complaint received 2023-06-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (TX)

I applied for loan through NetCredit. And was approved for {$1900.00} I was to send either 2 bank statements or 2 pay stubs I was advised I didnt need both I sent my XXXX paystub which I thought would be enough since it had year to date. 
I was also advised to call to verify my identity which I complied the loan was to be funded XX/XX/XXXX. But it was withdrawn instead. I contacted NetCredit to see why it was withdrawn They stated that I needed to send either my XX/XX/XXXX paystub OR 2 bank statements to prove my income. XXXX sent the XX/XX/XXXX again I was advised I could use 2 paystubs OR 2 bank statements Not both now they are refusing to fund the loan without bank statements Im concerned about invasion privacy laws due to having a joint account according to NetCredit I can not black the joint account holder information out.. it unfair to be denied for trying to protect the privacy of the joint account holder.
Consumer complaint received 2023-06-18
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. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-06-18
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: Experian Information Solutions Inc. (MA)

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 information is inaccurate.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

Subject : Complaint Regarding Wells Fargo XXXX Checking Account Bonus Dear Consumer Financial Bureau, I hope this email finds you well. I am writing to bring to your attention an issue I have encountered with Wells Fargo regarding a promotional offer for opening an Everyday Checking Account. Wells Fargo has advertised a cash bonus promotion falsely, and I am seeking your assistance in resolving this matter. 

In XX/XX/2023, I came across an online promotion by Wells Fargo offering a {$320.00} bonus for opening an Everyday Checking Account. The promotion required the fulfillment of a condition, namely receiving a total of {$1000.00} or more in qualifying direct deposits within XXXX calendar days from account opening. At the time, I opened the account online on XX/XX/2023, using the bonus offer code XXXX, which was attached to my application. 

Over the course of the next 90 days, I ensured that I met the requirements of the bonus offer by arranging for direct deposits from my employer, XXXX, to be made into this Wells Fargo Everyday Checking Account. However, upon the completion of the XXXX qualification period, I did not observe the promised bonus credit in my account. Concerned about this discrepancy, I contacted customer service on XX/XX/XXXX to inquire about the situation. The representative confirmed that I had indeed fulfilled all the requirements and assured me that the bonus would be credited to my account within another 30 days. 

Unfortunately, even after the additional waiting period of 30 days, I did not receive the bonus credit. Today, on XX/XX/XXXX, I contacted customer service again and spoke with a representative named XXXX, who assisted me in filing a complaint. The reference number for my complaint is XXXX. As a resident alien for tax purposes, I am deeply troubled by Wells Fargo 's practices of enticing customers with false cash bonus claims. 

In light of these circumstances, I kindly request your intervention to help me resolve this matter with Wells Fargo. My expected resolution is to receive the promised cash bonus of {$320.00}, which was offered to me upon opening the account. It is disheartening to discover another similar campaign for their checking account in XXXX, as seen at https : //accountoffers.wellsfargo.com/checkingoffer/. I urge you to investigate these misleading practices and ensure a fair and just resolution. 

Thank you for your attention to this matter. I look forward to your prompt assistance in addressing this issue and obtaining the cash bonus as promised by Wells Fargo. Should you require any further information or documentation, please do not hesitate to contact me. 

Yours sincerely, XXXX