davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : items in dispute 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 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 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 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 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo (NV)

To ensure the credit report is 100 % accurate as we know. Every step must be taken to assure the information reporting, is accurate and correct. Therefore the following late payments need to be re-investigated. 
I respectively asked to be provided proof of this alleged late payments, and a payment history. I have been maintaining records of my communication with the company for the purpose of filing a complaint with the FTC if they continue with the noncompliance. I further remind you that, in XXXX vs. XXXX XXXX XXXX, No. XXXX ( C.D. XXXX. XX/XX/year> ), you may be liable for willful noncompliance if the validation of debt request isnt completed. 

Please have the creditor provide a validation of debt documents to the XXXX  as well as certified mail to me. It is extremely important that these documents are submitted to XXXX  to ensure fairness. And they are not continuously brushing me off. Thank you for your assistance. 
If the creditor can not provide payment, history and documents, please have this account removed from my credit file
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Winona Holdings, Inc. (CA)

I am the victim of identity theft and XXXX, XXXX, and XXXX as well as secondary credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CheckCare, XXXX XXXX XXXX others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
Consumer complaint received 2024-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Months ago, I sent a letter to the three credit bureaus 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 previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-04
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. (AZ)

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. 

- XXXX  XXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX  # XXXX has violated my rights. 
- XXXX XXXX  XXXX XXXX has violated my rights. 
- XXXX XXXX XXXXXXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX # XXXX has violated my rights. 
- XXXX XXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (TX)

Dear cfpb, I am writing to file a complaint regarding the fraudulent dispute of funds by Apple Credit Card, charging both the merchant and the customer. 

After receiving an XXXX product that I found to be not worth the price paid, I attempted to return it to the merchant. However, the merchant refused to provide a return address and label, insisting on unreasonable grounds. Consequently, I had no choice but to file a dispute with Apple Credit Card regarding this transaction. 

Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/XXXX  Merchant name : XXXX Disputed amount : {$250.00} Credited amount : {$250.00} Despite clear evidence, Apple Card Goldman Sachs confirmed the dispute as successful and sent me an email confirming the Dispute Status : Completed ( Disputed charges will be removed ). The temporary credit received, including any interest charges, was supposed to be permanent. However, if XXXX also issued a credit for this disputed transaction, the permanent credit might be reversed. 

As I never received the credited amount, I already filed a complaint with cfpb against Apple Card Goldman Sachs for failing to transfer the disputed amount to me. 

Shockingly, after my complaint, Apple Card Goldman Sachs maliciously deemed the dispute unsuccessful, thereby fraudulently retaining the funds. Today, I received an email stating Dispute Status : Completed ( Disputed charge ( s ) will remain ). The temporary credit of {$250.00}. 

This corrupt and dictatorial behavior by the bank is unacceptable. 

I urge the authorities to oversee this matter promptly. 
XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I recently received a copy of my XXXX AND EQUIFAX consumer report and I noticed some late payment posted on my consumer report : 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 XXXXXX/XX/year>
Consumer complaint received 2024-10-25
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. (IL)

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX This has cause me great anxiety, stress, and financial hardship.
Consumer complaint received 2024-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A. (UT)

There is a litigation block on my account and I can not contact the company about a new fee that has been assessed to my account, without my knowledge or permission. It is showing a check disbursement of {$540.00} with no additional information. 

A presentment was sent to XXXX XXXX on dated XX/XX/XXXX, there is no mail stamp date on the envelope. It shows a new fee of {$540.00} that was disbursed from XXXX XXXX 's mortgage account in a form of a check. XXXX XXXX made a call to PNC Bank on XX/XX/XXXX to check on the Fee. A recording came on advising XXXX XXXX. of a litigation block on the account. The account is not in arrears and there is no known pending litigation for the alleged loan for XXXX XXXX. XXXX that the XXXX XXXX is not in litigation with PNC BANK and hasn't been since XXXX XXXX  XXXX. If there is open litigation, XXXX XXXX requests proof of any open litigation. 

XXXX XXXX requests the following information from PNC BANK : 1. Provide information on what the {$540.00} fee is for that was charged on XX/XX/XXXX 2. Remove litigation block or provide reason why it is still in place, as there is no open litigation, or provide proof of open litigation. 
3. Provide approval signatures for the disbursement that was made without XXXX XXXX 's approval or knowledge. 
4. PNC Bank is requested to provide a fee schedule that was signed during the alleged loan process with XXXX XXXX and provide proof that XXXX XXXX acknowledged and signed for this fee schedule during the loan process. 

Signed By : XXXX XXXX XXXX XXXX. XXXX.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TX)

My right to privacy is being infringed upon by Innovis. This Company is disclosing my nonpublic personal information to non-affiliated third party companies such as XXXX, XXXX and XXXX after I have instructed them to cease in doing so via an opt-out notice.
Consumer complaint received 2023-07-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (TX)

- XX/XX/XXXX my vehicle hit, I sent to repair shop to get an estimate to fix it - XX/XX/XXXXXXXX XXXX XXXX contact me and lendmark about the car being a total loss. On this date my payoff was under {$7600.00} I also emailed XXXX ( branch manager ) to contact me when the payoff check comes [ i have email proof ] - XX/XX/XXXX I was informed that on XX/XX/XXXX my account was updated ( they took the entire check in place it to my account as if it was my paying down on my account but didn't contact me like agreed ) however me and this XXXX XXXX agreed on paying {$550.00} which I informed him that it would take me time to pay it being that I have other obligations - XX/XX/XXXX I emailed XXXX to inform her that i spoke with XXXX  about the left over interest lendmark is charging me and XXXX advised me to discontinue all my email communication with her and her branch but I can call to clear up any issues. 
- XX/XX/XXXX XXXX emailed me a deferment agreement which she told me on the phone it was neccessary in order to move forward ( even though the agreement had that I owe XXXX still which I brought to her attention ) regardless of the balance being not what XXXX and I agreed on which is {$550.00}. XXXX told me that this was like a formality and if I dont sign it will go in collection so I signed it. 
- XX/XX/XXXX I checked my XXXX account and see that I know owe them over {$1000.00} which its on my credit report and is messing with my ability to rent a home. I have also been sent a letter that say I need to pay {$180.00} so that my account could be in good standing. 

Lendmark officials If I dont get something in writing that states that I just owe you the remaining {$350.00} ( from the total {$550.00} ) I will be filing a lawsuit against XXXX for breach of contract and against Lendmark so that I can protect myself from your business and branch cause I dont trust you guys at all, you lied to me once it will not happen again.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I dont know when this happened but I think sometime during Covid my Credit card with 5/3 they gave me a credit card limit increase. That I didnt request. And the next thing I know. When im paying on credit card they is these enormous interest payments. I called them and said WHAT IN THE XXXX IS GOING ON WITH THESE ENORMOUS INTEREST AMOUNTS??? They said I had a credit card balance transfer. I repeatedly told them. IVE NEVER DONE A CREDI CARD BALANCE TRANSFER??? But not thing gets changed. XXXX. Is going on I pay. XXXX a month on my credit card. Only. XXXX. Goes towards balance. And i never use the credit card??? Ive paided about XXXX. On card. And XXXX has gone towards my balance. And they out these foreign talking people on the phone ever time. That pretend they dont know what us going on .. thus is some XXXX XXXX  .. please get this bank to put the money Ive oaided onto my credit card. With penalties and interest charges in my favir.. This is ridiculous and how many times have they done this to other people.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time, 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 these accounts listed below, so please help me remove these charge offs, from my personal profile. A copy of my Utility Bill, Passport, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX, XXXX XXXX, and 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 XXXX 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 Utility Bill, Passport, and my Social Security Number as verification of my ONLY address.
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one was In charge of my account when I attempted to link my external bank account named XXXX to capital one. Which was all fine untill they froze up my account and refused to give.me access to my funds. I have to call 6 times whilst at work to get things figured out. I did also authorize 2 incoming transfers from my XXXX  XXXX  account of XXXX to capital one which said reversed on capital ones side but has since been taken out of my XXXX  XXXX  account. I'm sure it's just a misunderstanding. As XXXX sees the funds as in transit from their side. They stated that I could not move my money from my checking out at XXXX to capital one as they see them as a prepaid service. Even though capital one is very similar in nature. After all was said and done capital one blocked my account again as I still had my transfers pending so I had to stop taking my very important XXXX medication as XXXX was a fairly new account and I had the debit card on the way. Capital ones representative told me that I was XXXX. And that I " shouldn't have tried to link that account again '' and laughed at me Over the phone. To add to my pain capital one also declined to pursue my charge backs against etoro after my cell phone was stolen and fraudulent charges were made via that platform. I had email correspondence from.etoro stating that my account was compromised via my old device. And attempted to provide said proof to capital one and they refused to see it. All they wanted to do was wipe their hands clean of me. And good riddance if I might add. I have had nothing but trouble.using them my card was always getting compromised and they would never provide updates for my Disputes.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NV)

When I paid this account off they came back a month later and said I owed late fees! I paid this card off on time. It went from a XXXX late fee to XXXX! Im very confused how a company can get full payment then a month later charge me late fees! I am definitely being ripped off! This was a XXXX account by Comenity Bank!