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 — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

I have identified items on my credit report that do not belong to me and were not completed by me. The identity theft accounts are as follows : COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-11
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 JPMCB made an inquiry for a XXXX XXXX Bank Credit Card on my account. 

I do not recognize the above referenced inquiry. Please remove from my report :
Consumer complaint received 2019-03-19
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: ID Analytics, Inc. (FL)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a will be filed soon police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.
Consumer complaint received 2019-01-10
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

To Whom It May Be Concerned : I represent XXXX XXXX XXXX. Mr. XXXX is an asset to our company. We have granted Mr. XXXX an exclusive card that is not available to our normal customers. Mr. XXXX was treated unfairly upon the investigation of the fraudulent account ending in XXXX. Mr. XXXX is a severe victim of ID theft. As a world elite and preferred card member, Mr. XXXX has access to our bank fraud department intervening and resolving credit grantor disputes. According to the call with the Cap1 agent, XXXX ( { call id : XXXX, Dispute ID:XXXX, Date of Call : XX/XX/XXXX }, the agent confirms the account was closed for fraud on XX/XX/XXXX. He still says there is a fraud investigation that is opened on the account. To our knowledge, the consumer had received a confirmed letter in XXXX confirming fraud and the closure of the above referenced account. It is quite unfortunate that Cap1 took over 90 days to complete the investigation. I will be cc'ing the FTC and the XXXX  in regards to this matter. 

Respectfully Yours, XXXX XXXX, Office Of The President Executive Response Unit ( ERU ) XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint regarding the credit bureaus failure to properly investigate and validate a charge-off account listed on my credit report. I previously disputed the information related with XXXX XXXX because I believe it is inaccurate and was not substantiated by the original creditor. 

Issue Description : On XX/XX/2024, I disputed the accuracy of a charge-off account appearing on my credit report. 
In response to my dispute, the bureaus claimed the information had been validated with a billing statement from the creditor. 
However, a billing statement alone does not constitute proper validation of a debt, as it does not provide evidence from the original creditor that the account is legitimate, belongs to me, or that the debt was properly assigned. 
According to the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to conduct a reasonable investigation and verify that the information is accurate by obtaining evidence from the creditor, such as contracts, original account agreements, or other relevant documentation. This was not done in my case. 

Why This is a Problem : A billing statement does not provide sufficient validation of a debt under the FCRA. 
The credit Bureaus have failed in its duty to investigate the legitimacy of the charge-off and has not provided any documentation proving the accuracy of the account beyond a basic billing statement. 
This failure has caused harm to my credit score and financial standing by allowing inaccurate and improperly substantiated information to remain on my credit report. 

Requested Resolution : I am requesting that the credit bureau be required to properly investigate this account by obtaining actual documentation from the original creditor that confirms the legitimacy of the debt, the amount owed, and my connection to the account. 
If they are unable to provide this documentation, I request that the charge-off account be removed from my credit report immediately. 
Additionally, I request that the CFPB investigate the credit bureaus violation of the FCRA regarding reasonable investigation procedures for disputed information. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2024, I attempted to purchase a vehicle. Despite verifying that my Experian credit report was unfrozen via their website, app, and a representative, the car dealership encountered issues for XXXX hours, stating my Experian file was frozen.

We eventually discovered the freeze was not with Experian directly, but with Clarity, an Experian subsidiary. Upon contacting Clarity, I learned I had misplaced their PIN. Requesting a new PIN online was unsuccessful, and I was informed of a mandatory XXXX waiting period for a mailed PIN to unfreeze my report. 

This experience highlighted XXXX significant issues : 1. Lack of transparency : Clarity 's reports are pulled under Experian 's name without clear disclosure. 

2. Inflexible processes : The XXXX waiting period for a new PIN can significantly delay important transactions. 

These practices need review to improve consumer experience and prevent unnecessary delays in credit-dependent transactions.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Clarity Services continues to report incorrect information on my consumer report. I previously disputed this information and Clarity Services still refuses to update the information and remove any security freeze. I will not ask again for my consumer report and an update to correct the information they have on file. My name is XXXX XXXX my address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX there should be no other information listed on my report.
Consumer complaint received 2024-08-21
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. (CA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid 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: U.S. BANCORP (CO)

On XXXX XXXX, I purchased a desk to be custom made. This originally was to be delivered by XXXX XXXX. Due to the pandemic and other reasons, the desk delivery was delayed until XX/XX/XXXX. Once it was delivered, it was found to not be what was specified on the work order. Immediately, I contacted the furniture provider, and in writing, he agreed to have a new desk made and delivered, and he would later arrange pickup of the incorrectly made item. Since he needed time to make the desk and arrange for freight delivery, my Revised delivery date was set to be XX/XX/XXXX, with a clause that if he could not make this date, he would issue a full refund. The orig work order and this new agreement, along with documentation setting the expected date of delivery of XX/XX/XXXX for the desk was provided to Fidelity Visa. 

I talked often to the merchant during this time, but the last time he responded was in the third week of XXXX. During the first week of XXXX, XXXX, I contacted my credit card to start a chargeback. 

My Fidelity Visa credit card declined this chargeback as being outside of the 60 day allowance. I know this is not Visa 's only rule, and Fidelity should also follow this one : If the merchandise or services were to be provided after the Transaction Processing Date, XXXX calendar days from the last date that the Cardholder expected to receive the merchandise or services or the date that the Cardholder was first made aware that the merchandise or services would not be provided, not to exceed XXXX calendar days from the Transaction Processing Date. Seeing as how my LAST date I expected to receive the desk ordered was XX/XX/XXXX, I was easily within this time. Also, going by " or the date that the Cardholder was first made aware that the merchandise or services would not be provided, '' this date would be when the merchant did not deliver on XX/XX/XXXX, and stopped responding AFTER XX/XX/XXXX.
Consumer complaint received 2023-06-13
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: Franklin Credit Management Corporation (GA)

Ever since 2010, I've been having issues with Franklin Credit Management Corporation in the form of a mortgage. I am not on the mortgage nor at closing. I don't have an account number with them, and they have my social security which is connected to a fraudulent name. I want it off my credit and it has been making my credit score go down for over a decade.
Consumer complaint received 2023-06-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

NATIONAL CREDIT SYSTEM at XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX has been sending me collection notices in the amount of {$1400.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2023-06-12
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX CO XXXX XXXX XXXX XXXX KS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XX/XX/XXXX
Consumer complaint received 2020-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CUSTOMERS BANCORP, INC (MI)

XX/XX/2020 XXXX XXXX In XXXX of 2020 I attempted to open an account with XXXX XXXX XXXX. To fund this bank account opening I used my bank that I use for my student loans Bank mobile. I requested that {$160.00} was to be transferred to the XXXX XXXX account and Bank Mobile confirmed that the funds were removed from the account. The funds were place on hold until I completed a verification of my Bank Mobile account. The verification happened when XXXX XXXX would send two deposits to my Bank Mobile account, the deposit is very small usually less than a dollar. 

XXXX XXXX completed the deposit to my account and I had a short amount of time to verify the amount with XXXX XXXX. After the deposit I was not aware of this verification system and I thought that the money had been deposited to the account the money never left Bank Mobiles hold on the money. 

Once I check the account there was a message stating that the money was pending and it stayed that way and was never completed. I called XXXX XXXX after a month of wait for the deposit and I was told of the verification system. And I was told that the deposits could be resent to the account and I had to wait three day for the deposit. The deposits for the verification happened just as I was told but now Bank Mobile is claiming that the money ( XXXX ) was sent to XXXX XXXX account and XXXX XXXX claims that the process was never completed and they never received the funds. 

An investigation was completed by Bank mobile they said it would take 30 days and then it was ninety days then 180 days to complete the investigation. 

XXXX XXXX said that they would do a three-way phone call to clear up the problem and I was also on board for the call, but Bank Mobile never want to make the call after I call and requested the meeting. The problem with Bank Mobile not take the meeting is that any information that XXXX XXXX had on the account was never used in the investigation. Because the only way capital One would be able to release the information is with me on a three- way call. And without calling me or XXXX XXXX, Bank Mobile completed an investigation. And concluded that I took too long to bring it to them. There was no mention of where the money is at right now. And this is not the first time that money has been in question with this account. 

I would like to get my money back with interest, action taken against the guilty party in this case. 





XXXX XXXX
Consumer complaint received 2023-06-12
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. (AL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

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 2023-07-31
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. (NY)

My credit report is showing late payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service representative.
Consumer complaint received 2023-07-31
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)

My credit report is showing late payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Consumer complaint received 2023-06-12
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-01-10
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. (GA)

On or about XX/XX/XXXX, I closed my accounts with XXXX and no longer had access to online billing or being able to see copies of my bills. I also no longer received any goods or services from XXXX. I was told by XXXX before I closed the account that I would receive a final bill approximately 60 days after the fact. XXXX sent numerous emails to me about amounts owed, but no final itemized bill. I discussed the fact that I had not received a bill and gave them a current address multiple times, yet they still refused to send me a copy of it. The amount owed, according to XXXX, continued to increase, in spite my no longer receiving services from them. I disputed them amount owed with them via telephone and was told then were working on it. Then it was sent to XXXX XXXX XXXX which said they sent me a letter of validation but that it was returned because of incorrect address. I again gave them a current address but they did not send another letter. They then placed the item on my credit reports in XX/XX/XXXX, with the incorrect amount that I had been disputing with XXXX since XX/XX/XXXX. I sent in yet another letter of dispute to XXXX, XXXX, and all credit reporting agencies. It is still listed on my credit report as with XXXX, even though the debt has not been legally validated. Further, today I received a letter from XXXX, stating they were hired from XXXX after the dispute and asking me to validate the debt. I am responding with a letter disputing the amount and validation of the debt, citing that i have YET to receive an itemized final bill from XXXX. This is illegally on my credit report, as the debt has not been validated by the original creditor or the collection agencies engaged by them.
Consumer complaint received 2019-01-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

I opened an account with Chase bank, they set the account up after runing mu personal information, took the opening deposit of XXXX on XX/XX/XXXX. i updated my direct deposit to direct funds to chase on XX/XX/XXXX. now XX/XX/XXXX i am being told they are closing my account, rejecting my direct deposit and will mail me a check for the money in 7 to 10 days. i asked why and was told they are refusing to tell me why, refusing to give me any information whatsoever including what information was used to make the decision and will not give me my money back immediately even though they have no reason to hold it. i had a chapter XXXX bankruptcy discharged around a year ago so i donot owe them any money. yet now i am unable tee o pay my bills because chase has ALL of my money and all of my wages in limbo until the decide to send them back. the least they can do is tell me why or at the very least give me money.