davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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 2024-09-24
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Update of Personal Information Dear Sir/Madam, I am writing to request an update to my personal information on my credit report. Ive noticed there are a few errors. Please find below my updated details : **Wrong Information : ** -Name : XXXX XXXX -Employment Information : Nothing Listed **Right Information : ** -Name : XXXX XXXX -Employment Information : XXXX XXXX XXXX Attached are copies of documents to verify my identity and the changes requested : XXXX. Government-issued ID ( e.g., driver 's license, passport ) XXXX. Proof of address ( e.g., utility bill, lease agreement ) XXXX. Any other relevant documents Please update your records accordingly and confirm that these changes have been made. If you need any additional information or documentation, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. I look forward to your prompt confirmation of these updates. 

Sincerely, XXXX XXXX ---
Consumer complaint received 2024-10-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

on XX/XX/XXXX I received a secure message from Chase bank that a wire transfer was requested from my Checking account for over $ XXXX but it was not processed the bank was opening a claim on my behalf. I also went into the bank at the XXXX branch and met with XXXX XXXX after I received the message. They were not able to do anything locally or with anyone she spoke with in the fraud department within Chase Bank. Furthermore I received a voicemail on XXXX, originating from the XXXX - phone number XXXX XXXX XXXX XXXX, claiming to be from Chase 's wire recall department, referencing my specific case number XXXX. 

On XX/XX/XXXX I visited the XXXX XXXX at the XXXX XXXX and had diagnostic testing run on both my phone and computer. Both devices were found to be clean with zero issues of malware, being compromised etc. 

Previous fraud on my account has been linked to a potential XXXX crime wave in XXXX per my conversations with XXXX XXXX, most recently on XXXX. 

These separate items clearly show a lack of responsibility on behalf of Chase to thoroughly investigate this fraudulent/criminal activity and provide relief to the myself as the victim. 

I have sent and relayed all of this information to the Chase XXXX XXXX and will providing further documentation as well.
Consumer complaint received 2024-10-21
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)

I have mailed multiple disputes to Equifax, XXXX, and XXXX. All of my disputes have been left unanswered. I have attached copy of my three bureau credit report for each of the companies to review. They have not fixed the errors in my credit report. Please ensure these companies fix the erroneous information in my report.
Consumer complaint received 2024-09-16
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: General Motors Financial Company, Inc. (GA)

The XXXX was issued to this company and with singed PO from the dealer this should have been accepted as a barter exchange these instruments was to release the goods as it relates to the vehicles. 
Case Number : XXXX Dear XXXX XXXX , GM Financial has received your complaint sent to the Consumer Financial Protection Bureau ( CFPB ). I have reviewed your concerns and would like to offer the following response. 
We would like an opportunity to address your concerns ; however, with the information you have provided, GM Financial is unable to locate an account or application for credit. At your earliest convenience, please provide your full GM Financial account number or social security number. 
Upon receipt of this information, we will research this matter. 
Should you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at ( XXXX ) XXXX. Our hours of operation are XXXXXXXX XXXX to XXXXXXXX XXXX CT, Monday through Friday and XXXXXXXX XXXX. to XXXXXXXX XXXX CT on Saturday. 
Sincerely, XXXX XXXX. 
XXXX XXXX. 
XXXX Department | Complaints ( XXXX ) XXXX | ( XXXX ) XXXX ( f )
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Please be advised that as of XXXX2024 as listed on my most recently reviewed Experian consumer profile, there is a fraudulent / unauthorized inquiry listed : XXXX XXXX  XX/XX/scrub> 2024. I, XXXX XXXX am hereby notifying you that this inquiry is fraudulent and neither on that date or dates similar did I authorize any individual from Experian to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C. 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. Both together and separately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned fraudulent/unauthorized hard inquiry is to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

XXXX credit/ XXXX XXXX inquiry date XXXX on my experian credit report ran a hard inquiry, i called them XXXX, i didnt authorize this, i had no account or purchased anything thru them, they have nothing on their computer system about me, i put a secuirty freeze on my credit reports suspision of possible fraud, i cant get experian to remove this inquiry from my report, nobody can shiw me proof with my signature approving this, i want and demand this removed from my credit report or proof that i authorized this
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (FL)

On Monday, XX/XX/year>2024, around XXXX XXXX EST, I found out that my business checking and savings account with TD Bank was closed suddenly. I could no longer log into my account or use my debit card. I called the bank for answers and spoke to a supervisor, who told me that my account was closed by the fraud closure department. They transferred me to the fraud department, who told me that an external financial institution filed a claim against my account and due to fraud. When I asked what activity in my account was fraudulent, I didn't receive a specific answer. They would also not disclose the name of the financial institution that filed the claim against my account. Because I don't know the exact source who filed the claim and the specific reason for the fraud claim, I don't know how to resolve the issue. I believe I am a victim of fraud in this case but the person or people responsible remains a mystery to me.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I CONTACTED ... .NOTIFYING THEM THAT THE HARD INQUIRE FROM XXXX  XXXX IS INCORRECT ... ..I CALLED LAST YEAR AND THIS YEAR... EACH TIME THEY USE DELAY TACTICS TO DISCOURAGE ME...... ..ALSO THEY MAKE IMPOSSIBLE TO GET HOLD OF CUSTOMER SERVICE THIS ISSUE IS REALLY SIMPLE I CONTACTED CAPITAL ABOUT THE INQUIRE, THEY TOLD ME " THEY DON '' T SEE ANYTHING ON THEIR END ...... I DO NOT OWN A CREDIT CARD OR LOAN FROM XXXX... 

I CONTACTED XXXX REGARDING THIS MATTER THEY DELETED WHILE I WAS ON THE PHONE .... 

XXXX AND EQUIFAX HAS THE REPUTATION FOR USING DELAY TACTICS EACH TIME ....
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

A check was mailed to XXXX on XXXX. It was cashed on XX/XX/year>. XXXX has not applied my payment and I have made numerous calls for the last two weeks trying to resolve this.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (ME)

XXXX XXXX my AT & T Universal card through CITI Bank was hacked and many charges were made on my card. I called that day to report it and asked that my card be shut down. In a few days I received 2 new cards having new account numbers with my name and a card with a fake name from Citi Bank. I called again to have my account shut down. I then received a single card with my original account number on it with the same fake name, XXXX XXXX. I called Citi again on XX/XX/XXXX to again ask that all accounts associated with my name be shut down. When I called again on XX/XX/XXXX I found that there were new charges on the account so I again told them of the identity theft and needed the accounts closed. On XX/XX/XXXX I called and was told it was being investigated, the new card had been declined, and I would get a letter in a week. XXXX, I called and reported everything again, was told I requested a new card which I didn't, and the agent said she would report everything and I would get a letter when it was settled. I also found that my mailing address had been changed to his in NY which was done after the initial phone call to shut things down. ( I don't know the person but he has used my card for XXXX rides in NY. ) The agent did look back and see that I had called several times and she would but a priority on the investigation which was what I had been told before. Had Citi Bank shut down everything the first day I called I would not be dealing with all of this mess. I can not go online to check the account since it has been hacked a long with many other things so I must rely on the agents to do what they said they would do.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/year> I lost my phone and my card was wrongfully used it was not authorized to be used and I was charged {$160.00} I reported this to Wells Fargo and they provided provisional credit while they investigated the card was replaced and they sent out a new one.. on XX/XX/year> my card again was used without my knowledge and I disputed the transaction however I filed the claim late on XX/XX/year> as I didnt receive any alerts of the transaction and only found out about it when I went to go use my card and my transaction was declined I called the bank they opened a dispute but didnt provide any credits.i went to go file a police report but the disputes had been closed and denied. Upon calling the bank to have the cases reopened and provide the police case number the bank denied me from reopening the cases and told me the police report isnt necessary as they already closed the case and wont open it again so having the case number isnt going to get me my money back. So I now the bank refuses to reopen my case and they told me that they will not return my funds even if I can prove that the transaction was indeed fraudulent as they already made a final decision and will not overturn it regardless of any new eveidence presented.
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: F.H. Cann & Associates, Inc. (TX)

My name is XXXX XXXX. I have received countless phone calls from XXXX XXXX XXXX over the last few months. It shows on my caller ID as telemarketer, and the calls have become more frequent daily, so today on Friday XXXX of XX/XX/year> I decided to figure out who this is that keeps calling me. I spoke with a man named who identified himself as XXXX with F.H Cann and Associates and when I asked if he is with a debt collection agency, or a debt collector he told me no. I thought I miss heard him so I asked him to repeat himself and he confirmed he is not with a debt collection agency. I dont understand how he can misrepresent himself like that, I took the time to google XXXX number to find out he lied to me and XXXX XXXX and XXXX XXXX a debt collector. XXXX frustrated and concerned as to what other unethical tactics this company practices if lying about their identity is standard
Consumer complaint received 2024-09-20
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: DISCOVER BANK (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (TX)

Over the past year, I had been adding funds to my XXXX account progressively, using the platform without issue. However, in XX/XX/XXXX, the merchant on the app suddenly went blank, with a message stating they were under investigation. When I attempted to withdraw my funds, totaling {$3200.00}, I was told that it wasnt possible due to the ongoing investigation. 

I contacted the merchant directly, and they informed me that there was nothing they could do until the investigation was completed. I waited patiently for four months, but there was no update or communication from the merchant. Eventually, I went back to the app to try and get more information, but I realized I couldnt even open a support ticket.

As a result, I decided to open a dispute with my bank, SoFi. I provided evidence showing that I had been scammed, detailing the time frame from XX/XX/XXXX, to XX/XX/XXXX, which is when the merchant disappeared. However, XXXX closed the dispute, claiming that there was no error in the transactions. They even said they were working with the merchant, which I know isnt true because the merchant had gone completely unresponsive.

Now, Im left unable to recover the {$3200.00} I had in the account, with no resolution from either the merchant or my bank.