davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by XXXX  XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payments were made on time, as evidenced by my bank statements and payment confirmation records. These clearly indicate that both payments were processed well before the due dates, and these payments should not have been marked as late. 
Processing Delay at the Bank 's End : There was a delay in the internal processing of payments at XXXX. This caused the payments to be incorrectly flagged as late. After contacting XXXX  customer service, they acknowledged this delay. I have attached correspondence from XXXX confirming that the payments were processed late due to their internal issues, not my fault. 
System Error on Payment Posting : XXXX payment system encountered an error during the posting of my payments, resulting in the payments being marked late. I provided screenshots and support tickets showing that there was a known system issue during the payment dates. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. I also request that the inaccurate late payment entries for XXXX and XX/XX/XXXX be removed from my credit report immediately. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
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: EQUIFAX, INC. (FL)

The following inquiries are showing on my credit report. I contacted the companies and the credit bureaus XXXX Equifax XXXX XXXX ) to inform them of these inquiries so they could be removed as I don't recognize them and didn't authorize them. 


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 XXXXXX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

This CFPB has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681 c-2 ) that you, the XXXX XXXX  XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal XXXX XXXX  XXXX account opened XX/XX/XXXX, and XXXX XXXX  XX/XX/XXXX account opened XX/XX/XXXXXXXX XXXX XXXX and opened account XXXX  XX/XX/XXXX account opened XXXX XXXX XXXX XX/XX/XXXX and account XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent report. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

Got a Chase Freedom FLEX credit card in my name XXXX ending XXXX, with expiry XX/XX/XXXX. 
Called the company on XX/XX/XXXX and informed, got this card, as I was not expecting or I didn't authorize to issue this card. They transferred to their fraud dept, and who informed this will be closed, and a letter communication will be sent to me to this effect. They also said, they can put a fraud alert, and asked me to put a fraud alert on any one of the three credit reporting agencies. 
I did that with XXXX, today, XX/XX/XXXX. 
Surprised to see why Chase Freedom FLEX issuing Credit cards without my application or authorizarion.
Consumer complaint received 2023-04-07
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. (OH)

Fruadlent Accounts and inquiries appearing on credit report. 

Accounts XXXX. XXXX XXXX {$920.00} XXXX. XXXX XXXX {$640.00} Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

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 TO DISPUTE Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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 BANKRUPTCY XXXX XXXX Bankruptcy XX/XX/XXXX XXXX US BKPT CT XXXX XXXX XXXX XXXX XXXX Bankruptcy XX/XX/XXXX XXXX Federal XXXX XXXX Bankruptcy XX/XX/XXXX XXXX U.S. Bankruptcy Court LATE PAYMENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3100.00} PERSONAL INFORMATION : Name : XXXX XXXX XXXX Name : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX Employers : XXXX Employers : XXXX XXXX
Consumer complaint received 2023-07-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

My letters were sent on XX/XX/23 and no update has been sent to me as of yet about the matter to dispute. By law the credit company has 30 days and both XXXX and Equifax has failed to do so.
Consumer complaint received 2023-07-19
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: AMERICAN EXPRESS COMPANY (FL)

XXXX XXXX Credit Card Services closed my credit card account without my consent in XX/XX/2023. I called the company to explain that I did not consent to closing my account due to 'inactivity ', but they stated it was their policy and there was 'nothing I could do about reopening the account. ' This is an adverse action that I did not authorize, and according to 26 CFR 1026.13, this is unauthorized use if my credit card.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Around XX/XX/2023 I started getting email stating welcome to bank of America. The emails were saying here are the details to your new checking account. I thought it was a spam email and didn't really pay it any attention. well a few weeks later I got a new debit card from bank of America. I called bank America right away. I told them it wasn't fraud they said they will closed the account. Then I got a a letter in the mail asking me to send in my ID and more info regrading this account. I didn't trust it why would i have to give them more of of info if they fraudulently using my personal info. I didn't send it and they never closed it. when they finally closed it it was because of inactivity. at least that's what the email said.
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (IL)

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2023-07-19
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. (GA)

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. 

Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries 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 2024-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CO)

I received a promotional email to open an account with Chase Bank. They were supposed to make a direct deposit of {$500.00} and now the bank doesn't want to take responsibility for my bonus because it says that the deposit that the company made to me was not a direct deposit. 
The bank says that direct deposit is only for them from a government institution, not from companies.
Consumer complaint received 2023-03-27
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$110000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2023-03-27
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. (SC)

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2021, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance XXXX {$3100.00}, XXXX XXXXXXXX Balance : {$210.00}, XXXX  XXXX Balance : {$35.00}, XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00}, XXXX XXXXXXXX XXXX XX/XX/2021, XXXXXXXX XXXX XXXX  XX/XX/2021, XXXX XXXXXXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I would like someone to explain to me why I am not allowed to participate in society and why I am told that I am not allowed to exist anymore. I am unable to find a job despite being over qualified for the jobs that I apply for and a spotless history of work perforamnce. I live in Nevada and they have taken away my food stamps. The state of Nevada is so corrupt that they purposefully give me wrong information like dates of interviews, they call me on different days than the appointments are confirmed for and then they deny my application and tell me that I didn't complete the interview. When I call them they tell me that I have to go down to a location and talk to them in person. My sister doesn't have to do anything and they call her on the right day and time and couldn't be nicer to her. 

I had four credit cards that I have never missed a payment on yet my credit score has been destroyed and is under XXXX. They have all reduced my available credit for no reason. They has dropped my credit score over XXXX points and I went from XXXX to XXXX and I HAVE NEVER MISSED A PAYMENT. 

I was unable to graduate college because of XXXX and their financial aid office and their sabotoging my financial aid. They made it impossible for me to attend school and say that I owe them {$12000.00} because they sent back my finacial aid to the DOE. The DOE has no record of this {$12000.00} and they say that I owe that money. 

SOMEONE TELL ME HOW THIS SYSTEM ISN'T RIGGED AGAINST ME????????????? 

SOMEONE TELL ME WHAT A WORTHLESS ORGANIZAITON THE CFPB IS WHEN THEY ALLOW THIS TYPE OF THING TO HAPPEN AND DO NOTHING?????? 

WHAT HAPPENED TO MY XXXX GIVEN RIGHT TO THE PURSUIT OF HAPPINESS AND THE RIGHT TO SUPPORT MYSELF THAT HAS BEEN TAKEN AWAY FROM ME?????????????????????????????????????????????????? 

WHAT AM I SUPPOSED TO DO?????????????????????? 

SHOULD I XXXX XXXX XXXX  NOW OR DO I HAVE TO BE HOMELESS????????? 

WHY CAN'T I JUST WORK AND HAVE A NORMAL LIFE???????? 

I HAVE DONE NOTHING TO ANYONE
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (GA)

I have talked to several agents from online to on the phone-totaling 8 people. I called in about my maurity date orginally in XXXX of XXXX. The agent let me know it was XX/XX/XXXX. A day or two after my maurity date I called in to see if I was going to be updated or not. The agent had no clue and said a letter would be sent out. It didnt sit right with me so I talked to someone on the chat and I called a different agent on the phone. Both agents gave me completely different answers. One said that I would receive a letter 30 days after my maturity date and the other said she could not do anything for me because the letter was sent out. I walked through the process on finding it online with each of the 8 agents and the letter was not there. I confirmed my address with each agent over and over-still no letter. So I reached out on XX/XX/XXXX XXXX spoke with XXXX and then the manager XXXX. XXXX did not care. He told me he resent the letter and I need to wait unitl XXXX for the next review. I too am a customer representative and I know it is my responsibility to give our clients correct information at all times. When I do not know the answer I must find or ask for assistance. Our calls are 100 % recorded and I know my manager at anytime call pull my calls. I was given the wrong information over and over again. NO ONE seem to care about the contract that I signed or give me the proper information not even the leadership of the company. Something should be done about this.
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

Where does XXXX XXXX XXXXXXXX XXXX XXXX get permission to report public information on my consumer report who gave XXXX authority to collect my information and then sell it? Please provide authenticated and signed documentation showing that they received permission/ consent to report this on my consumer report please also provide verification of such alleged debt if you can not provide so delete the account from my consumer reports it is an unfair and deceptive acts and practices to report on the consumer behalf without their consent and permissible purpose.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (VA)

{$640.00} was taken out of my bank by my cash app account The money did not go to my balance, it just completely vanished I attempted to contact the dispute department multiple times and they are completely clueless on where my money went Then shortly after that my cash app goes into negative {$280.00}
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

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 : collection/charge off XXXX XXXX XX/XX/XXXX {$330.00} XXXX XXXX CALIFORNIA XXXX XX/XX/XXXX {$900.00} XXXX XXXX XX/XX/XXXX {$690.00} XXXX 'S XXXX XXXX XX/XX/XXXX {$490.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX personal information Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX  XXXX : XXXX XXXX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX CT  XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX CT XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-03-27
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. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/20XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (RI)

I have held the Chase Marriott BonVoy Boundless Visa CC since XX/XX/XXXX. Since then, I have used this card for transactions at XXXX properties in XXXX ( XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX ) but haven't received the 6x reward points that were advertised and based on which I decided to avail the card at the annua fee of {$95.00}. Upon noticing this discrepancy with reward points, I called the Chase credit card helpline who, in turn, directed me to contact XXXX. Given my Ambassador status with XXXX, I escalated this issue to my designated XXXX Ambassador ( XXXX XXXX ). While XXXX has been able to credit the deficit of points from the XXXX XXXX and XXXX XXXX XXXX stays, there is no clarity on the other 2 properties XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX. Worse, neither XXXX nor Chase is offering me an assurance that this problem has been fixed at the core, and that all future transactions will earn the 6 x rewards bonus, as advertised - furthermore, I have collectively devoted over 3.5 hours of my time in articulating these details to XXXX over email and to Chase over the phone- I have come to point where I am questioning as to whether any of these organizations care or are accountable? Thet are merely reacting to the symptom without showing any interest in addressing the root cause ; worse, they don't seem bothered at having the customer spend time gathering these copious details