davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (IA)

I canceled the checking account created through US bank on XXXX by phone, but I still haven't received the remaining balance that was supposed to come in 10 business days. All the phone counselors only said they would call me to check again, and repeatedly said that the check was issued but not sent. No one called me back. When I visited the branch, I was informed that I could only consult by phone.
Consumer complaint received 2022-06-28
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX ID : XXXX DOB : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Early Warning XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing this letter to request an investigation of the following information that appears in my Early Warning Systems consumer report. I have identified several inaccuracies that need your immediate attention and resolution. 


Bank : XXXX XXXX CHECKING ( Open Date : XX/XX/XXXX ) Account Number : XXXX Routing Number : XXXX Bank : XXXX ( Open Date : XX/XX/XXXX ) Account Number : XXXX Routing Number : XXXX Bank : XXXX  ( Open Date : XX/XX/XXXX ) Account Number : XXXX Routing Number : XXXX Bank : BANK OF AMERICA CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : BANK OF AMERICA CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : BANK OF AMERICA CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : BANK OF AMERICA CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX BANK ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX CALIFORNIA ( Open Date : XX/XX/XXXX ) Account Number : XXXX Routing Number : XXXX Bank : XXXX XXXX XXXX - XXXX ( Open Date : XX/XX/XXXX ) Account Number : XXXX Routing Number : XXXX Bank : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX CALIFORNIA XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX CALIFORNIA XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX CALIFORNIA XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX CALIFORNIA XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX CALIFORNIA XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX CALIFORNIA XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX CALIFORNIA XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX CALIFORNIA XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX CALIFORNIA XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I want to clarify that I have no association with these accounts and did not provide any personal information to open them. It appears that these accounts have been opened fraudulently, without my consent. I kindly request that you investigate this matter and remove these accounts from my report. Enclosed are copies of my identification and any other supporting documents that may assist in your investigation. I would appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your assistance. I look forward to your timely response. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The information being furnished and reported on the consumer report is inaccurate the open date listed for the accounts is incorrect and the original creditors listed for the accounts is incorrect and if it was a error I've ask the reporting agency to provide me the documents signatured by the consumer from the original creditors to verified the open dates and the original creditors they have listed on the consumer report and I have yet to receive any response to verified the information being furnished and reported is correct.
Consumer complaint received 2022-01-26
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. (GA)

on XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-27
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. (TX)

XXXX XXXX  put an offer in the account saying, " You are ALREADY approved '' for a XXXX XXXX credit card. They have already done a hard inquiry and turned me down before. They placed the " You have ALREADY approved '' offer in my account anyway. I called customer service to make sure that there is NOT going to be any hard inquiry. She confirmed that there is not going to be another hard inquiry. So, I clicked to accept the offer. In a few minutes, I received an email saying that there is a hard inquiry by XXXX. 
I am in the process of canceling all accounts with XXXX. I have also canceled the XXXX Credit Card also. 

This was a deceitful act on XXXX 's part. They record and monitor the calls. 

I am requesting to please remove the hard inquiry.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2022-08-01
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. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Equifax was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$35000.00}
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am having an issue with the way that XXXX XXXX XXXX is reporting my status on an active auto loan. I ran into a temporary financial issue at the end of XXXX that led to my loan being late for a few months. And as a result, my account did report late. I later recovered and caught the account back up by XX/XX/XXXX. The problems with the reported account status started, once the account was brought current again. As previously stated, my account was brought current again in XXXX. However, they did not update my account as current again until the month of XXXX. And since that time, I have continued to make on-time payments each month, but XXXX XXXX has only updated the payment history of this account through XXXX. I have now made eight on-time payments to XXXX XXXX since XXXX. However, XXXX XXXX continues to report that the account was still late in XXXX and XXXX, when it was not. And furthermore, the only way I can recover from the late payments with my credit score, is by re-establishing my good payment history. But XXXX XXXX just doesn't report them. I am now eight months removed from my last late payment, but on my credit report, XXXX XXXX is reporting that I am only two months removed from the last late. By erroneously reporting lates in XXXX and XXXX, combined with not reporting any additional payment history on the account since XXXX, it appears that my account was late just two months ago. Again, this account has been current for eight months now. XXXX XXXX was really quick to report my account when it was late. But for whatever reason, they now refuse to update my account properly.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

I went to the Branch to see about protecting my assets and talked with Banker who setup the savings account on XX/XX/2022. XX/XX/XXXX I filed a claim with Chase Bank. 2 weeks later the claim division said that the could not escalate the claim, even said they could not get in touch with the Banker who setup the account. I put them on a conference call because they were dialing the wrong number. A week later Chase Bank denied my claim.
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (NJ)

I purchased a pair of sneakers in XXXX XXXX XX/XX/2021 using card ending XXXX and used my cashapp card and pin the item was not in stock so it was going to be shipped to me. The iten never arrived and the shipping store did not opt for shipping insurance. XXXX requires insurance on high ticket items. The local store did not fill the order and my card issuer cash app refuses to refund me my money or replace item or file dispute I have been asking them for 5 months for resolve they keep giving me different responses 0 help.
Consumer complaint received 2021-08-05
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (PA)

THE DEPT OF NELNET is continuing to to Violate my Consumer and Civil rights. I sent them a Debt Validation request on XXXX XXXX. They did NOT send me any original documentation required under section609 ( a ) ( 1 ) ( A ) and section611 ( 5 ) ( A ) of the FCRA, While they are still continuing to report this unverifiable, erroneous account on my credit report. They are required by Law to promptly delete this account from my records.
Consumer complaint received 2024-10-23
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. (MD)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (OR)

My loan was sold to Selene Finance in XXXX. I did not choose them as a mortgage partner, but they were thrust upon me and have been terrible to work with ever since. 


In this case, I was never made aware of an escrow change, and an increase in my monthly payment for XX/XX/XXXX. I have an automatic payment from my bank which paid the original amount due on XXXX aqnd XXXX of {$4200.00}, apparently {$50.00} less than the new payment amount ( {$4200.00} vs {$4300.00} ). I didn't know about the increase in escrow for the XXXX payment as well. Instead of applying the payments and letting me know about the escrow deficit, Selene put the entire payments into " unapplied funds '' and showed those payments as not being made at all. Missed payments were reported to the credit bureaus. When I did find out about the escrow shortfall, on XX/XX/XXXX i sent a payment of {$100.00} that same day and was also told any late fees and charges would be waived. I have since been on calls for hours, been routed to a supervisor 's voicemail only to never have calls returned, had a dozen dropped calls, and basically gotten nowhere through their customer service. I have since found out that my credit score has been negatively impacted, that the late fees were never taken off my statement, and that Selene 's reporting processes have lost me financing I am working on for investment properties I own.
Consumer complaint received 2021-08-05
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. (TX)

EQUIFAX IS UNFAIRLY REPOTING FALSE CREDIT INFORMATION ON MY CREDIT REPORT. I HAVE SENT FTC IDENTIFY THEFT AFFIDAVIT TO EQUIFAX 3 TIMES OF THE INNACURAIES, THE REFUSE TO DELETE. I AM A VICTIMG OF IDENTITY THEFT. I SENT CERTIEFIED MAIL OF ALL DOCUMENTS I SENT EQUIFAX WITH THE MOST RECENT SIGNED BY EQUIFAX XX/XX/XXXX XXXX. 


XXXX XXXX FRAUDULENT ACCOUNT SOMEONE HAD AN APARTMENT IN MY NAME USING MY PERSONAL INFORMATION XXXX XXXX XXXX- FRADULENT ACCOUNT SOMEONE HAD AN APARTMENT IN MY NAME USING MY PERSONAL INFORMATION. 

XXXX XXXX XXXX : - FRAUDULENT ACCOUNT UNAUTHORIZED BY ME I CONTACT THE ORIGINAL CREDITORS AS WELL.
Consumer complaint received 2022-06-27
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. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Delete XXXX XXXX and XXXX fraudulent accounts within 2 business days!
Consumer complaint received 2021-03-29
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX and I was a victim of ID theft. there were fraudulent items appearing on my credit report since the spring of last year and I have been trying to solve this issue with the credit bureaus but they were giving me a hard time. So I then went on the ID theft website and it has been over a month with no response or notification that my complaint was received. I was recommended to this platform to solve this issue and I am seeking assistance with this problem. These negative items are hindering and keeping me from getting an apartment.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (TX)

I am trying to refinance my mortgage with a different company and when the lender pulled my credit report, US Bank reported incorrectly on the credit bureau that my mortgage payment is not current and this has affected me in a negative way in refinancing process. I am current on my mortgage payment. The lender in which I am trying to refinance is asking for a letter from US Bank stating that I was not late in my payments for more than 30 days in the past 12 months and my next payment due date is. I contacted US Bank on Friday XX/XX/XXXX and provided them a fax number to where the letter need to be sent to. I was told that a rush request were submitted for the letter to be sent within 48-72 hours. I contacted US Bank again the next day inquiring about the letter, the representative I spoke with stated there was no note about the rush request. The representative emailed me and the lender of my 12 months mortgage payment history which was not the lender was asking for. That letter is what the refinance lender is asking for and US Bank is dragging its feet to provide a solution in fixing the problem it had created.