davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
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)

My credit score has dropped in recent months for Equifax only. I looked up my account to see why my score is going down. According the report Equifax provided, the things hurting my score were : " The date you opened your oldest bankcard or credit account is too recent '' and " You have too many delinquent or derogatory accounts ''. Yet, when I called to have this explained ( since none of this shows on my actual Equifax credit report ), the speaker said he needed to consult because my oldest account is from 2006 and definitely not too recent. About XXXX minutes later he returned and just said I need to seek a credit advisor. I also asked about the derogatory accounts since there are none on my credit report. He said again I would need to seek a credit advisor. He didn't say why since it is a rubric/formula the company ( Equifax ) XXXX. There is no need for a credit advisor, my credit is good. In fact, under " Helping your score '' it is listed that I have " few to no delinquent or derogatory accounts '' - a direct contradiction of itself. My credit score/report makes no sense even though my credit accounts themselves are fine. The only issue is with score calculation, which they could not explain to me Yet, this score is a determining factor for my creditworthiness? I believe this is unfair and unethical.
Consumer complaint received 2024-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (AZ)

I closed my XXXX card account in XX/XX/XXXX. At the time of closing my account, I was told the fees would be waived and balance would be updated to XXXX. I called again in XX/XX/XXXX and was again told that the fees would be waived and my balance would be updated to XXXX. I've attempted to dispute the charges via the three credit reporting agencies. XXXX continues to report my account as late and charged off. However, the balance consists of fees that were supposed to have been waived.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with was never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in 60 days to be removed. 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. 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! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-08-10
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)

I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy.

I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy.

This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be REMOVED Income can not be reported on credit files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What is the civil liability for 15 USC 1681 N in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio, a debt collection agency has unlawfully reported derogatory information on my credit report without my consent or proper authorization. Specifically, I have not signed any application or contract with this agency, nor have I provided them with a valid copy of my drivers license or any other form of identification that would allow them to legally report this information. The agency has failed to provide a copy of any wet signature contract or application demonstrating my consent, which raises concerns about the legitimacy of their actions. I also have not given this agency the authority to access or report any information related to me under the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing, and I respectfully request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report immediately. Thank you for your attention to this serious issue. I look forward to your prompt assistance in resolving this matter.
Consumer complaint received 2024-09-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (SC)

I have made a compliant about this company twice and nothing has been solved. This company has failed to provide the original contract bearing my signature and ownership chain agreement as requested. This company responded to my complaints saying they closed the case and returned to sender meaning they do not have the right to try and collect the alleged debt in anyway but are still reporting this debt to the credit bureaus. This is a violation of the FCRA section 605 B.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2024, my XXXX  XXXX XXXX  was XXXX. On XX/XX/2024, Wells Fargo Bank entered negative remarks onto my XXXX credit file stating that my credit card account with them was " charged-off ''. 

XXXX said creditors can not enter negative remarks onto accounts previously XXXX in XXXX-after the fact. 

XXXX said to contact Wells Fargo regarding my concern. 

I telephoned Wells Fargo using their telephone number appearing on my XXXX credit report, and I was transferred to XXXX different departments within their organization. I never spoke to anyone who could lead me to help ( or even provide an address for me to mail a record of my concern ). Nevertheless, I was ultimately transferred back to the original Wells Fargo telephone number that I had dialed.
Consumer complaint received 2024-09-06
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (IL)

Dear Spring Oaks Capital, I am writing to formally dispute the debt referenced in your communications and to assert my rights under relevant consumer protection laws. Please be advised that I am disputing any and all debts that you claim I owe. This letter serves as my formal notice that I do not acknowledge any debt or obligation to your agency. As such, I request that you cease all communication with me via email, text messages, phone calls, or U.S. mail. In addition to disputing the debt, I am requesting that you provide the following documentation : 1. Validation of the Debt : Please provide proof that I am legally obligated to pay this debt, including a detailed account of the original amount and any adjustments or fees added. 2. Purchase Agreement : Send me a copy of the agreement or contract between your agency and the original creditor, demonstrating your right to collect this debt. 3. Proof of Licensing and Bonding : Provide evidence that your agency is properly licensed and bonded to collect debts in my jurisdiction. Please be advised that my dispute and requests are based on violations of the following consumer protection laws : 12 CFR 1006.34 ( b ) ( 5 ) This regulation addresses the requirement to cease communications with a consumer upon request. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This regulation relates to the validation of debts and the necessity of providing verification when requested. 12 CFR 1006.34 ( d ) This pertains to the prohibition against continuing debt collection efforts without proper validation. 15 USC 1681-S2 ( 7 ) ( A ) This provision under the Fair Credit Reporting Act requires that entities ensure the accuracy and validity of the information they report. Due to these violations, I request that this debt be removed from all records and reporting agencies. Any continued reporting of this debt after receiving this dispute will be considered inaccurate and in violation of consumer protection laws. Please acknowledge receipt of this letter and confirm that you will cease all collection activities and communication until you have provided the requested validation and documentation. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

XXXX XXXX Capital One I am writing to formally express my dissatisfaction with the handling of my recent credit card application and account management. 

I recently applied for and was approved for the Capital One Venture Card. However, shortly after this approval, my account was placed on hold, and I was asked to provide bank statements, which I promptly did. Despite my immediate compliance, my account was restricted for over 10 days, and my rewards account, where I had accumulated XXXX referral bonus points, was also frozen. 

After enduring this unwarranted delay, I was further dismayed to receive a letter in the mail about two weeks later, stating that my account would be closed. I find this series of events to be both unfair and deceptive, and I request remediation for these actions. 

I request that Capital One do the following : Credit me for the XXXX points I rightfully earned. 
Reopen my credit card account. 
If Capital One is unwilling to reopen my credit card account, I request that you take the following actions instead : Remove the closed credit card from my credit report, including all associated credit inquiries. 
I find it unacceptable that Capital One would approve a credit card application only to subsequently close the account without any reasonable explanation. This situation has caused me undue stress and frustration, and I expect that Capital One will take prompt and appropriate action to resolve this matter. 

I look forward to your swift response and resolution to this issue.
Consumer complaint received 2024-09-05
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/year>, a letter was sent to my home address from Kohl 's in relation to a Kohl 's credit card account issued by Capital One in which they could not open a new credit line as they required more of my personal information such as 1 ) a valid form of ID, proof of residency 3 ) a valid copy of my SSN card or Taxpayer ID card/IRS letter with ITIN assignment . I wasn't aware of this request for a Kohl 's credit card until the letter arrived at my home on XX/XX/year>. This account application is fraudulent. However, the application was run against my credit report and I have a new hard inquiry. I contacted the customer service of Kohl 's ( number found online - not on the letter ) immediately to make sure the letter that I received was not a phishing scheme. They confirmed that this account had been attempted to be opened via online application and that the fraudster had all of my personal info for them to be able to run the credit check - luckily, they required additional information, or I may not have discovered this until much later. Kohl 's closed the open application and said there was nothing they could do to revoke the hard credit inquiry since the account was not opened. I am asking for help with the following : 1 ) A criminal has access to all of my personal information, and I am seeking assistance on next steps on what to in the event they try to open more accounts such as bank accounts that are not on my credit report. I have already frozen my credit with the bureaus and set up fraud alerts 2 ) How do I get this removed from my credit report? 3 ) How can I join class action lawsuits for their data breaches that have led to this chain of events?
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (IN)

To Whom It May Concern : Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were reporting XXXX % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately!
Consumer complaint received 2024-08-20
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: Experian Information Solutions Inc. (MS)

Recently, I submitted this account for been inaccurate and incomplete information. This account still appears on my consumer XXXX credit report after being inaccurate. The account close date XX/XX/XXXX open date XX/XX/XXXX how can the account be closed ( XXXX ) days before it's open on experian? XXXX has it open XX/XX/XXXX closed XX/XX/XXXX. XXXX has this account open XX/XX/XXXX closed XX/XX/XXXX so there wasn't an investigation on this account. Remove this account immediately!!
Consumer complaint received 2024-09-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (CA)

The reason for my review request is my fiance past away from XXXX which effected my total combined income. When i requested a loan modification that PHH denied on XX/XX/year> PHH did not include my income. I have had a very difficult time with PHH Mortgage. Every time I submit documents for the loan modification, PHH will request the same documents again. Every time I call I get a different answer to resolve my modification review. I was declined again after going through a major family tragedy from XXXX. I am back to work full time and based on mortgage banking guide lines I can afford my mortgage. I am asking for a Tier 2 review for my modification review to save my home and avoid a foreclosure. 

Please place my modification back in review with the correct income being used.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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 credit card account opened at Capital One Bank USA on XX/XX/XXXX2022 under the account number XXXX, a Credit card account opened at XXXX XXXX on XX/XX/XXXX2022 under account number XXXX. Account opened at XXXX Card Services on XX/XX/XXXX2021 under the account XXXX, a credit card at XXXX  account opened XX/XX/XXXX2021 under account number XXXX, an credit card opened at XXXX opened on XX/XX/XXXX2019 under the account number XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 as proof from the US 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 2024-09-05
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 recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX. XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account numberXXXX