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. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CO)

I contacted the comenity bank about the interest charges and fees despite paying in full. I also submit vast amount of evidence requested for my claim on a dispute and they never responded nor sent a letter requesting for more evidence. Customer service assured id also get benefits and statement credit upon approval and months later never received anything. Very deceptive practices and even having no way of receiving any notifications or notice of changes. The supervisor i spoke to said they dont know and nothing they can do about it.
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. (OR)

I am writing to dispute and request the immediate removal of fraudulent inquiry from my credit report. Upon reviewing my credit report, I have discovered several inquiry that is not authorized by me. This inquiry is damaging my credit standing and have the potential to cause significant harm to my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding this fraudulent inquiry and have enclosed a copy for your reference. Despite this, this inquiry is still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that this inquiry be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-09-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mortgage Research Center, LLC (NJ)

I wanted to get a pre-approval in order to search for a home. Somehow this company got a hold of my information and kept calling emailing and texting me. They said they represent the Veteran Administration. They took all my information in order for me to get a VA approved loan. They said they had access to all my VA information. Then they pulled a bait and switch saying I could only get a conventional mortgage. They gave me the boot saying adios, sayonara, ciao, auf wiedersehen, goodbye. 
I say scam. 
This is very disappointing.
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I bank with Fifth Third Bank. 
On XX/XX/XXXX my account was suspended for a fraudulent check that was deposited into my account. I was not aware the check was fraudulent until this occurred. I called the fraud department and made a complaint. I was informed that my account was going to be suspended for XXXX  days. I removed my bank direct deposit information from my XXXX account immediately. XX/XX/XXXX I received a paper check from my job. XX/XX/XXXX I called the fraud dept to get an update regarding my account and was told that my account was setup to be closed. They told me I can go to the bank and make a final withdrawal to withdraw the funds in my account and close it. On XX/XX/XXXX, I went to the bank to make my final withdrawal and had them close the account. XX/XX/XXXX I received a notification on my phone from Fifth Third stating my direct deposit hit my account. I was confused because I was under the impression that the account was closed as of Monday. XX/XX/XXXX I went back to the branch to see what was going on. The teller told me that account actually showed to be closed on the XXXX. I spoke with a banker who reopened the account and told me to call the bank the next day and see if the funds were available. I called the bank today only to find out that my account was closed again and that they failed to inform me that I was to make a small deposit to keep it open. I dont understand why I wouldve had to make a deposit on an account that already existed and had a pending check deposited. Im very frustrated with this whole ordeal. 
This has caused a major inconvenience for me and caused a financial burden on me. Ive had bill payments bounce back and behind on payments.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2020-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (FL)

Good afternoon : I received a promo code in the mail for {$300.00} for opening a Chase Business account. Upon opening the account, the promo code was not added due to a system error. I called the branch manager, and he told me it was added. I tried to confirm with customer service ; and they said the manager was in the wrong that there was no system error or even an attempt on his part to add it. 

I called him back and explained to him that I needed this taken care of and could not come into the branch any longer due to health concerns because of COVID-19. He rudely replied that he had no solution for me.
Consumer complaint received 2024-09-21
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: DISCOVER BANK (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (CA)

XXXX unlawfully allowed Transworld systems to report on my consumer report without my consent. I have never been an any written or oral financial relationship with Transworld. I have sent a debt validation to both parties and both have failed to provide any information about this unverified fraudulent debt.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NY)

My credit report is still reflecting XXXX and 60 day late payment history for GM financial. I contacted the company to discuss this inaccuracy and they agreed that they were wrong and would remove when I paid the final balance due. I paid the final balance which was not a payment but for a excess wear and tear charge from GM financial which I never received a physical notice in regards to owing and extra money. This is a serious breach of their contract and I will XXXX need to discuss possible litigation.
Consumer complaint received 2024-09-21
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: JPMORGAN CHASE & CO. (RI)

Good evening, I have made several attempts to dispute a case but the members I have spoken to on the phone have been lackluster as evidence by repeating back to me that I must submit a letter and dispute the case to chase. 

However, I have disputed and called chase card services on XX/XX/XXXX, XXXX, and the XXXX. I have been told two different case numbers and I have two different disputes ( one open and one closed ) for the same merchant, same price but with a different account number. I only have one account with Chase card services but the woman on the phone was unable to clarify why the dispute appears that way. Additionally, I have uploaded the same documents to include a letter disagreeing with the dispute at least 3 times. I have also faxed it over to the dispute team by using my local chase bank. 

I have objective information that a merchant fraudulently charged my card by inflating charges. I have stated to chase there are charges I am liable for up to XXXX dollars. However, the inflated and fraudulent charges include up to XXXX dollars in a report that shows no damage, necessity or receipt from the merchant. 

The case numbers provided to me over the phone include the following Case # XXXX Case # XXXX I have also contacted the merchant with no response from them. The original dispute closed secondary to being a " significant amount of time since your purchase. '' However, a significant amount of time is not defined, and the purchase was made in XXXX of XXXX. I had immediately disputed the case and then uploaded supporting documentation in XXXX of XXXX when chase requested it. 

I have been a Chase card holder since I believe XXXX and have never had a charge this large be fraudulently placed onto my card. I would appreciate further guidance in the resolution of this case. 

I look forward to hearing from you.
Consumer complaint received 2024-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I opened CFPB case # XXXX. It was assigned to XXXX XXXX ( sp? ) at XXXX XXXX with the office of the CEO with USAA. XXXX was very rude to me and stated that she had the authto close my claim when I asked to speak to her supervisor, and askedfor another personbe assigned to my claim ( I felt that she was behavingin a biased way toward me ). She ( XXXX ) said that she had no supervisor and that she was the sole authority in reviewing my claim. The Depository Agreement and Disclosures provided by USAA ( attached ) did not disclose that they had the right to hold EFT funds due to overdraft on a debit card. Tje doc provided by USAA stated on page 28 that " EFT funds are posted on the day they are received. '' Please note : These terms and conditions are dated effective XX/XX/2024 - after the XX/XX/2024 incident yhat I'm reporting. I forwarded the control numbers from the originating bank ( XXXX XXXX XXXX ), showing that USAA had the funds as of XX/XX/2024 but USAA would not accept this information or override their automated hold of my funds.
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A secured loan opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the the account number XXXX, A charge card opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, A secured loan opened at XXXX on XX/XX/XXXX under the account number XXXX, A charge card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, A debt buyer opened at XXXX XXXX XXXX opened XXXX XX/XX/XXXX under the Account number XXXX, A debt buyer opened at XXXX XXXX XXXX on XX/XX/XXXX under the Account number XXXX, An installment opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  under the Account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i am a victim of identity theft, i have been battling this problem for the last 5 years and it seems that it doesnt want to go away, someone has been using my personal information to obtain goods and services using my personal information, i have reached out to all the credit reporting agencies to report this issiue and it never wants to come off my credit report.i feel that my rights as a consumer has been violated and someone or something needs to happen, i am in despreate nned of help in regards to this matter! enclosed are supporting documenst to support my cliam that i am truly a victim of identity theft!.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (MI)

XX/XX/year> I deposited a check for {$17000.00} that I wrote from my business account to be deposited into my personal chase checking account. 
Chase held the check for 14 days, and after the 14th day sent me a letter stating my account had been closed and my money would be refunded to me within 6-8 weeks. Its now been 10 months, and I have went to many branches and spent hours and hours getting documents, printed, scanned to chase verification dept, including XXXX tax returns, operating agreements, CPA financial statements, etc trying to prove that I own the account where the check came from. The managers of local chase bank have helped me send documents then have me call in a few days to the verification dept only to be told the same thing. Check still needs to be verified to be released please help me Sincerely
Consumer complaint received 2024-09-20
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 (CA)

In XX/XX/year>, I went to XXXX and thought I was purchasing medication for weight loss. After I gave them my Apple credit card number, the screen changed to include other charges. I realized that I did not want to do this after all. That same day, I attempted to chat with XXXX and cancel what ever was purchased. I called Apple and they were able to cancel the second charge but the first one, went through. Apple changed my credit card number. Apple ( Goldman Sachs ) has rejected my claim. Today is my third attempt. I have shared with them frantic chats to cancel with XXXX and emails. I have reminded them that in order to have a transaction occur, would I have received goods or services? I have received none. They did tell me that the refund policy helped them to deny my claim. The refund policy is ambiguous. Most services have 30 days cancellation. I am not sure what I purchased, but have never received anything from them. I can not see paying {$590.00} for nothing! Also, I cancelled on the same day. I have asked Goldman Sachs for what services or goods did XXXX provide me to justify this transaction. 
You might notice that three weeks after cancelling and my dispute beginning, they share with me the cancellation policy. Again, I still do not know what I purchased for {$590.00}
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (DC)

In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy. 15 USC 1681 states 604a section 2, it states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for any purpose.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

I signed up for Marcus and deposited $ XXXX in savings to the account using my XXXX  of XXXX account. 

I tried to withdraw $ XXXX to the same checkings account on file ( XXXX  of XXXX  ) and Marcus blocked the transfer saying the phone number on file does not meet their verification criteria. 

They have not informed me what the next steps are and have just said that the funds can not be withdrawn until specialist review as the phone number does not meet their criteria.

Looking online it seems many customers have had the same issue recently with Marcus. The number on file is a valid US work mobile number that I used to sign up to the Marcus service and make deposits/account logins with. I'm unsure why the number is fine to deposit money but can't be used for withdrawals.