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

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Please see the attached disputes sent over the last few months.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

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 2024-10-10
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 consumer report contains accounts linked to identity theft that I never authorized in writing or with a wet signature. I've recently contacted your organization about this and am now formally demanding these accounts be blocked and removed from my report immediately. These inaccurate entries have caused me significant distress and misrepresent my credit history and obligations. If not addressed properly, I'll pursue legal action to protect my rights and seek resolution. These fraudulent items have prevented me from achieving key financial goals like buying a home and supporting my family.
Consumer complaint received 2024-10-10
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. (NJ)

On XX/XX/XXXX I submitted a dispute with Equifax for XXXX inquiries from Factual data dated XX/XX/XXXX and XX/XX/XXXX. I also disputed and account from XXXX : Account XXXX. Equifax completed their dispute in only XXXX, claiming that the information was verified and that inquiries are factual data. Can Equifax explain their procedure of their dispute process and what reasonable investigation was performed in XXXX hours under law 15 USC 1681e ( b )? I am requesting this information. Also, Equifax has failed to follow laws under 15 USC 1681s-2. Their is no way the FCRA rules and regulations were followed based on their XXXX hour investigation for confirmation # XXXX. I am also requesting what law states that inquiries are factual data as Equifax has advised me. Does this mean that there is no such thing as identity thief? How can an inquiry be factual data? Please advise of what laws state this. I am have attached their results that was received in only XXXX hours of investigation. Is this reasonable?
Consumer complaint received 2024-08-20
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. (IL)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-10-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (WY)

on XX/XX/year> I called Capital One Auto Finance to offer a settlement on a loan that is over XXXX years old. I spoke with an operator initially who asked what my offer was and I said {$1000.00} ( XXXX XXXX XXXX  ) she placed me on hold and came back on and said they would not accept that offer that they could accept {$1900.00}. I asked how they came to that number and she said that " the computer decides that. '' I asked to speak to a human that can assist and was told there was no one. I decided to call back and spoke with Operator XXXX who informed me that the " computer makes those decisions '' and I asked how and she stated " its a program. '' I asked if there was a human I could speak to and I was transferred to XXXX ( Operator XXXX ) who is a " Resolution Specialist, '' who offered me a higher settlement than was offered during the first phone call. When I informed him of this he then said he " can only accept what the computer says '' when I asked again to speak to a human who could assist, I was again placed on hold and was transferred to XXXX ( Operator XXXX  ) who is from the " Office of the President. '' XXXX told me that the " computer does make those decisions but yours went to Management for review and they offered the {$1900.00}. When I asked to speak to " Management '' I was told that they do not take telephone calls and there was nothing further that could be done. I am finding that this is hard to believe as I am attempting to solve an uncollectable debt.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (IL)

XXXXells Fargo has XXXX my application despite my following their instructions to the letter. 

I have excellent credit, have been a customer for years, and my address has not changed. 

I have faxed in XXXX PDF copies of my utility bill with XXXX to verify my address and am still running into issues. 

For context- Wells Fargo is losing money as a vendor of the XXXX XXXX and this is documented in the press. They have every incentive to make it difficult. 

I have proof that I have faxed in my utility bills to confirm my address, and yet they claim it can not be verified, Please advise, ~XXXX
Consumer complaint received 2024-10-09
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing in reference to an account that has been charged off which appears on my credit report. I believe this account may qualify for cancellation of debt reporting under IRS guidelines, as it is my understanding that the debt was effectively canceled by your institution. However, I have not received a Form 1099-C to reflect this debt cancellation.

According to IRS regulations, creditors are required to issue a Form 1099-C when they cancel a debt of {$600.00} or more. I request that you review the status of this account and verify whether this debt has been forgiven or otherwise settled in a manner that requires a 1099-C to be issued. If the debt has indeed been canceled, I respectfully request that you issue the appropriate 1099-C to me and update my account status to reflect that the debt is no longer owed.

Furthermore, as the debt has been discharged and is no longer legally collectible, I request that the charge-off be removed from my credit repor
t. Under the Fair Credit Reporting Act ( FCRA ), all information reported to the credit bureaus must be accurate. Since a 1099-C signals the cancellation of the debt, continuing to report the account as charged off or delinquent would be inaccurate and harmful to my creditworthiness. 

I ask that you promptly notify the credit reporting agencies to remove the charge-off from my credit report.
Consumer complaint received 2024-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (IL)

I just explained Chase is placing my property/ Home in LIEN as they said my taxes NOT paid, my taxes are paid in my mortgage payments to Chase . IF my home being placed w/ a LIEN on it, this means Chase is NOT paying my taxes via my mortgage payments!!XXXX XXXX XXXX XXXX XXXX 
Please check records & PLEASE respond. Especially since as I stated my taxes are paid via my mortgage. Please respond as I have also attached copies of my property tax bills. TY Please confirm you have received this as something happened when I tried to submit complaint. Please assure me you received the copies of my tax bills & PLEASE Clarify that my property IS NOT GOING to Be placed in LIEN status!!!! I am XXXX senior & this is very troublesome & scary IF Chase has NOT paid my taxes from my mortgage payments. please see some of my communications w/ Chase. I also HAD lodged complaints w/ FTC & FCC & XXXX I also saw on my account I am due a check I can only presume from an overpayment in XXXX IF I am due a check, IT has NOT come yet!!
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

XX/XX/year> I received an email stating that my Chime account had been closed to do failed to comply with the terms of your deposit account agreement, I did not understand what this was about since I have never experienced this. I contacted Chime 3 times and was told the same thing that they could not release any information because they could not verify my identity and that my account was not eligible for a refund so that I would not be getting my money back. I explained that I had been using them for months with no problem and the only deposit that I had going in was from my place of employment and they could see and verify that. I told them I could verify anything they asked and also asked for them to open my account so that I may withdraw my money and then they could close it and I would bank elsewhere, they refused and told me the account could not be reopened and I again would not be getting my refund back. I had over {$700.00} in the account as partial was a partial payment for my rent. I explained that I am a single mom and that they had just took all of my money and basically stole what was not theirs, I was not notified or given heads up about anything. I have been left with not one cent, and they continue to refuse to let me withdraw the money that is rightfully mine.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (TN)

I have a secured credit card with navy federal. 

Started with a {$300.00} limit. 

Paid on time and I raised my limit to {$1000.00} by submitting MY money. 

Now I have {$4000.00} and want to do a secured credit increase, but they denied me.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Recently looked at a copy of my credit report and noticed several inaccuracies on my account his 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 am asking you to verity as accurate XXXX account ( Account Name XXXXXXXX XXXX XXXX  Account i dont see the account number )
Consumer complaint received 2024-10-17
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Website will not let me dispute certain charges and when I have contacted customer service also I am not being assisted with the request. 
Have an employee contact me to dispute the charges to my cell XXXX XXXX XXXX Besides that the issue in regards to the bonus promo has not been issue. So resolve that as well.
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: NAVY FEDERAL CREDIT UNION (MO)

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 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XX/XX/XXXX, I deposited the check for {$3500.00} as I usually do and usually works and goes through later on a day later, I got ta use my account transfers and withdrawals. Ive been XXXX. I talk to customer service they tried to connect me after the department thats doing. It but that department did not respond then they called me and said it should be all good to go on Friday five days later still not good and I called them again and each customer service is saying something different and it seems theyre confused whos handling it and yet I still do not know what is going on with the account.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX. 
XXXX Last four of social : XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681 c-2 ) that you, the XXXX credit reporting agency , Equifax information services , and XXXX 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 consist of several accounts from XXXX  XXXX XXXX XXXX. bal. {$61000.00} opened XXXX, XXXX  XXXX # : XXXX, XXXX XXXX XXXX XXXX bal. {$1000.00} XXXX # : XXXX, XXXX XXXX XXXX bal. {$24000.00} XXXX # : XXXX, and XXXX XXXX XXXX XXXX bal. {$100000.00} XXXX # : XXXX. Hard Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries being maintained by you were not opened, made or initiated by me. All of the listed accounts are the results 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-11-15
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. (CA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (GA)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX  Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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. (IL)

I am writing to formally request an investigation into several inaccuracies on my credit report. On multiple occasions, I have disputed the erroneous accounts listed on my report and have requested thorough investigations, but I have yet to receive a satisfactory resolution. 

The presence of these incorrect accounts is causing significant damage to my credit file and adversely impacting my financial health and overall quality of life. These issues have resulted in numerous hardships, and despite my continued efforts to rectify them, no corrective action has been taken. 

I am now requesting your urgent assistance in conducting a detailed investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to ensure the accuracy of my credit report and to update the information accordingly without further delay. 

Please treat this matter with the utmost priority, as restoring the integrity of my credit file is essential for me to regain control of my financial standing. Your prompt action and cooperation in resolving this issue will be greatly appreciated. 

Thank you for your attention to this matter, and I look forward to your swift response.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was shocked to find inaccurate accounts on my credit report this morning, and I have no idea how they got there. I check my report regularly, but this time, out of nowhere, there were errors. I even tried refreshing my browser, thinking it might be a glitch, but nothing changed. The accounts remained wrong. Im really frustrated and want the documents Ive sent to be thoroughly reviewed so I can stop worrying about this.
Consumer complaint received 2024-09-23
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: Experian Information Solutions Inc. (TX)

I am writing to formally dispute the accuracy of certain information on my credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). This law grants consumers the right to dispute inaccurate information in their credit reports and requires credit reporting agencies to conduct a reasonable investigation. 

Due to the recent data breach at XXXX, I am particularly concerned about the accuracy of my credit report. Recently, XXXX announced that its systems had been breached, exposing the sensitive personal data of XXXX XXXX Americans. This breach included names, home addresses, phone numbers, dates of birth, Social Security numbers, and driver 's license numbers. Additionally, the credit card numbers of approximately XXXX consumers were compromised. Given the unprecedented scope and severity of this incident, it is crucial that my credit report reflects accurate information. 

I previously attempted to resolve this issue, but it remains unaddressed. I request that you investigate the following accounts listed on my credit report : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX I believe that this information may be inaccurate due to the data breach and request that it be deleted from my credit report if it can not be verified as accurate. Please provide me with a copy of your findings and any documentation regarding your investigation. 

As a consumer, I have the right to dispute any inaccurate or incomplete information on my credit report under the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to your response within the statutory 30-day period.
Consumer complaint received 2024-09-22
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: Experian Information Solutions Inc. (FL)

These inquiries are not authorized by me XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX These other inquiry I only authorized 1 and they did 3 for no reason and without authorization XXXX XXXX XXXX XXXX XXXX XXXX