davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute of Unauthorized Credit Inquiries. 

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request XXXX request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation. 



Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2020-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (WI)

I have no knowledge of this account it says it was opened 3 months ago XX/XX/2019 for XXXX XXXX XXXX  in the amount of {$300.00} I have not had any of there services the creditor on my report is Enhanced Recovery Compan
Consumer complaint received 2019-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TX)

I had a charged off account with XXXX from XX/XX/XXXX, it was charged off as closed. Jefferson capital reopened the account as owed in XX/XX/XXXX, this account would be off my credit and they have opened an incorrect account that was closed. This is not an accurate account.
Consumer complaint received 2019-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Equifax Lack of CRA compliance with their obligation to accurately maintain and update your credit file under FCRA 607 ( b ).

" FCRA 607 ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' I've submitted multiple disputes against the fraudulent charges in my name. I filed a police report, reported the identity theft to FTC and even faxed and also maimed them multiple times a copy of my passport providing proof I was not living in the states at the time the accounts were open and used.

I also sent a copy of my social security card as well as my license.

They refuse to delete these accounts from my credit file and it's causing me headache and now financial troubles as I'm trying to purchase home.

In all correspondence, they still address me by the wrong name and have my DOB listed wrongly when I've sent all documents showing my accurate info.

My next step is to sue. It has been months and countless disputes and nothing is getting accomplished.

My life is literally on hold.
Consumer complaint received 2019-07-22
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/2019 I purchased an excursion for shark diving at the XXXX XXXX in XXXX, XXXX for {$870.00}. Someone in the party became sick and we instantly tried to cancel. The resorts response was to only offer 50 % of the purchase price and I did not agree. On XX/XX/XXXX I called Chase to dispute the charge, the rep mistakenly filed it under fraud which I told him it was not. Then I get a call that my card is closing and questions about the charge for {$870.00} and I explained the situation and I advised them the rep put it under fraud but I told him the story I did not tell him anything about fraud. Now my card is closed, I still owe {$870.00} and Chase then adds another charge for {$870.00} on my account in error. I call again XX/XX/XXXX and explain the situation and explain that the card has been closed and the rep mislead me and advised to send a message online saying I would like to dispute the charge. I call again XX/XX/XXXX following up and inquiring why I was charge twice. I was on the phone for 2 hours, transferred between 4 different department supervisor. They attempted to contact the resort with the same result as me and the last supervisor tells me " I can not do anything '' and hangs up.
Consumer complaint received 2020-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I deposited a client check in the amount of {$10000.00} and funds were transferred from XXXX XXXX  to Wells Fargo on XX/XX/XXXX. Wells Fargo has put a hold on the funds until XX/XX/XXXX. They have given me a range of excuses such as there were not sufficient funds in the payees account to a suspicious signature. I have asked Wells Fargo to contact the XXXX XXXX   employee that handles the account and XXXX XXXX continues to refuse to release the funds to my account. This appears to be yet another Wells Fargo scam. They are holding my funds and earning interest from XX/XX/XXXX to XX/XX/XXXX. I have full documentation.
Consumer complaint received 2018-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (CA)

I am going through a severe financial hardship with my credit cards due to a job loss and I called my banks to ask for help to help me avoid filing chapter XXXX   bankruptcy. A few of my creditors were very nice and offered me great terms to repay my debt and stave off a chapter XXXX bankruptcy. My nightmare started with XXXX XXXX, whom I have several accounts with. I called them and was transferred to there collections department and I was trying to explain to them my situation and was met with the most frustrating customer service experience ever. I could not for the life of me understand why every time I spoke I was met with silence for 20-30 seconds awaiting a reply, and then the reply was an uncooperative and she seemed to simply not understand the nature of the call, no matter how many times I tried to explain it to her. I was CLEAR that I had just gotten off the phone with XXXX and they offered me 0 % interest for 60 months to pay off the debt, which significantly reduced my monthly obligation that provided a big relief. I simply was asking for a similar program, but was met with the worst person to ever handle a phone call.
Consumer complaint received 2021-10-26
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. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2020-01-22
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. (UT)

My identity was stolen I dont know how it happened. I have all the dates, account numbers, and amounts for the fraudulent accounts in a document attached here. I called the attorney general, the companies, credit bureaus, and no help. The attorney general told me to file a complaint here so hopefully someone can help me because this is crazy.
Consumer complaint received 2020-01-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK (TN)

I received an affidavit notarized from XXXX, Ohio. I live in Tennessee. The affidavit claims a litigation specialist working for XXXX XXXX XXXX has full access to the USA Department of XXXX XXXX XXXX XXXX. I have a copied document with incomplete information regarding myself. The document has the last four digits of my social security number, birthdate, and certificate ID. The document is digitally signed by the director of Department of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. According to the Tennessee Secretary of State website : XXXX XXXX XXXX is a Tennessee XXXX XXXX XXXX XXXX and its registered agent is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Does the Department of XXXX allow others to impersonate a Director of  XXXX XXXX XXXX XXXX XXXX XXXX. I have never served in the military. When I applied for my Discover Card I fully checked the box that Im a civilian. The document I explained above was used by XXXX XXXX XXXX to ascertain whether I was in the military and used in a sworn statement, notarized in Ohio, and used to summons me to court. Tennessee law requires an affidavit to proceed in collections servicing. XXXX XXXX XXXX impersonation of a XXXX XXXX XXXX is absolutely amazing.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/2020 I filled out an application for a Amazon Prime card provided by Chase. During the application process, I was declined due to an all encompassing policy that Chase has, which states that any person who has opened 5 accounts within 24 months is denied their application, no matter their credit worthiness.

Unfortunately, this was not disclosed prior to applying for the card. As I was aware that I had opened more than 5 accounts within 24 months, I either would have waited until that was no longer true or I would have chosen not to apply. 

Now, I have a hard credit pull which negatively impacts my credit score, ongoing credit worthiness and ability to borrow.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CO)

I opened a citi visa Costco card to get the benefits ( 2 % refund and extended warranty on appliances ) in XX/XX/XXXX. Since opening the account I had issues. I signed up for auto pay and it didn't register the correct bank account ( I never had this issue prior ) so after my first payment did not go through I signed in and updated my bank account. During the next billing their system again went to the incorrect bank account number. I had to make the payment manually to avoid missing a payment. I called customer service and asked them to delete all back accounts and manually add the correct bank account number. 

My next billing cycle I was billed less than the full amount that was due and I was charged interest. I called to understand why only partial amount showed up as sure they didn't have an explanation and just refunded the interest charge. 
Now I just log in and manually make a payment before the due date because I don't think their system will accurately debit the full amount due. 

I brought this up to the company but nothing was meaningfully done. 

When I log in to view what is due and go to set up an early payment, I end up seeing two amounts, one on the main page and another as full amount due on the manual payment page. The payment set up page shows the full balance not just what is due from the previous billing cycle.
Consumer complaint received 2018-09-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AR)

Since I last reported Experian to the consumer financial protection bureau I haven't heard anything different from them. I have asked them on the last report as of XX/XX/2018 they haven't tired to provided me with any updated information according to what the bankruptcy letter stated. In the letter that was sent to them it states that according to the FCRA laws and guidelines, " Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature ''. As of now they don't have a direct line for you to talk to anyone all you get no is a recording instead of speaking with a live person.
Consumer complaint received 2024-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2018-09-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CIT BANK, NATIONAL ASSOCIATION (IL)

CIT IRA Department. 

After several calls to customer service regarding my RAMP up IRA CD one time increase and being told no increase available, even after 3 Federal rate increases. I asked to take to a manager. 
Speaking with a supervisor XXXX XXXX yesterday ( XX/XX/2018 ) XXXX said that marketing had no intention on increasing the rate on my Ramp up IRA CD. I was told I not the only customer calling to complain about this. My option was to break the Ramp up CD and increase the term with a 13 month CD. At this point I dont trust this CIT Bank for this Bait and Switch option.

I told him this was wrong and I cant believe his CIT bank is not living up the terms of the Ramp up IRA CD with a cap of 2.49 %. My IRA CD Raise your rate with XXXX XXXX  was increased in XXXX from 1.25 to 2.50 %. 
I researched the these Banks thru XXXX. I think I should copy this letter to XXXX and Consumerfinance.gov/complaint. 

I would like to hear back from you this week with increasing mine and my wife 's Ramp up CD to current interest rates ( above 2 % ) not 1.26 % for the last 14 months and to finish out the current term or allowing me to transfer both IRA CDs to a more competitive bank without a penalty.
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (TN)

THEY ARE REPORTING INACCURATE INFORMATION AND REFUSED TO SEND PROOF SHOWING THIS ACCT IS VERIFIED AND VALIDATED. ALL INFO ON ACCT IS INCORRECT. SENT THE COMPANY VERIFICATION AND VALIDATION REQUEST OVER 60 DAYS AGO AND THE COMPANY HASNT SENT INFO INFORMATION BACK TO ME AT ALL. BUT THEY ARE STILL REPORTING ON MY CREDIT AND REFUSED TO REMOVE AND SEND ME THE VERIFICATION AND VALIDATION ON THIS ACCT
Consumer complaint received 2020-01-22
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: ALLY FINANCIAL INC. (VA)

In regards to Complaint ID, XXXX. 
Ally Financial provided false information to the CFPB. They have refused to fix the error made by their company, and to add insult to injury, they are providing invalid information to a government agency created to protect consumers. I have been dealing with this issue for four months, and the emotional impact to my family is rising. 
In response to your final response Ally sent to me on XX/XX/XXXX. 
First, I made multiple calls to Ally in XX/XX/XXXX. This is in regards to the call made XX/XX/XXXX, at around XXXX ET.You all know this is the case, because I have requested this call be pulled multiple times. I also attached a copy of my cell phone record to this complaint validating my claim. Also, I asked for my payment options, and was offered a skipped payment by an Ally representative. She offered that to me, and you all need to own up to your mistakes and complete lack of staff training. The lady offered me a skipped payment for XXXX, as long as a {$130.00} payment was made to the account. I specifically asked about the impact on my credit report, and she reassured me multiple times that everything will be fine. I mentioned this at least three times on the call, and she assured me that my next payment will be due in XXXX. She made an offer to me and I accepted. That offer was a skipped payment with no negative credit impact. 
I have spoken to a total of four supervisors, and they have all admitted fault and validated my concerns. Are you calling your supervisors liars? 
Ally I am fulfilling my contract, and you guys are in breach of yours. You have lied to me multiple times and falsified findings to benefit the company. This is unacceptable and I hope there will be Justice. The company needs to be held liable for the amount of stress, pain, and distress they have inflicted on my family. 
I also attached an audio recording from a conversation with a supervisor validating my story and admitting agents fault. The call has been pulled by multiple supervisors and you all insist on making invalid claims and refuse to be accountable for your errors. CFPB please help me and I hope justice is served. XXXX XXXX is a veteran, and I am a working class mother of XXXX. We are doing our best to recover from hard times, and with one error, Ally took us back to square one. We refuse to accept their negligence.
Consumer complaint received 2020-01-22
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: JPMORGAN CHASE & CO. (PA)

On XX/XX/XXXX XXXX XXXX XXXX owner Of XXXX XXXX XXXX purchased a motor from XXXX XXXX XXXX XXXX XXXX New Jersey for a job on a XX/XX/XXXXXXXX XXXX XXXX. When the motor arrived it was broken, when he contacted Seller from XXXX they stated they would send out a different motor and pick up the broken one, which they did. When new motor came it was the wrong one and could not be used for the job. XXXX again contacted XXXX and informed them that due to a broken motor and now the wrong motor being sent that he could no longer wait and would like them to pick up the wrong motor and void sales. Motor was returned to XXXX. However there was still a charge of {$1300.00} that had been charged to the Businesses Chase Ink card. XXXX then opened a dispute claim informing Chase that he did not have any of XXXX XXXX product and canceled the sales due to them not being able to provide the right motor for the job. This dispute has been open since XX/XX/XXXX with them " resolving '' the dispute with XXXX XXXX XXXX still owing CHASE for the payment! XXXX has provided all information CHASE had asked for and informed them NO product was kept and yet they still want XXXX to pay them for the Charge of {$1300.00}. WHY ARE WE BEING BILLED FOR NO PURCHASE? WE HAVE NO PRODUCT SO THERE SHOULD BE NO CHARGE AS SALE WAS VOIDED!
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dear Consumer Financial Protection Bureau, I am reaching out to request your assistance in addressing an ongoing issue of inaccurate information reported on my credit report by the three major credit bureaus. Despite my efforts to resolve this matter directly with them, they continue to report a bankruptcy inaccurately, which I believe constitutes a violation of the Fair Credit Reporting Act. 

Recently, I contacted the bankruptcy court to inquire about the source of the information, as I suspected that the reporting was not based on any official communication. In response, the XXXX XXXX informed me that they do not provide any reporting to credit agencies. This confirmation indicates that the credit bureaus have been inaccurately reporting my bankruptcy status without verification, despite their claims that an investigation was conducted. It is apparent that the investigation they referenced was either insufficient or never actually occurred, leading me to believe that they have provided me with misleading information. 

Given this, I am requesting that the Consumer Financial Protection Bureau intervene to ensure that the credit bureaus immediately remove the erroneous bankruptcy information from my credit report. This incorrect reporting is causing significant harm to my creditworthiness and has impacted my financial well-being. 

Thank you very much for your time and attention to this matter. I am hopeful that, with your help, we can resolve this issue promptly.