davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NJ)

I looked at my recent credit report and noticed that there are some very damaging, INACCURATE information being reported. The Fair Credit Reporting Act entitles me to dispute any information on my credit report that I believe is inaccurate. This law requires that all of the data included in a consumers file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency against me are false. The allegations that are reporting right now do not meet federal or state requirements for reporting, so they can not be confirmed. It is required by the bureau to maintain and report data with complete accuracy and compliance. 

Everything needs to be accurate and in the correct format as required by law ( FCRA ) and XXXX XXXX standards. Consider this a formal notice that things arent being handled properly and need to be fixed immediately. Im giving XXXX days for this to be resolved. Please send me proof of your actions along with my updated credit report. If the claims are inaccurate, I expect you to correct them with verified information. If theyre untrue, remove them right away. 

Below is a summary of the data in which I am challenging : I had requested that this account be verified, and I have not seen any proof that it was. I need all correspondence regarding the previous dispute including the data provided to Equifax that this account is accurate. If the agency is unable to do so, please remove this account from my credit report immediately. 
XXXX XXXX XXXX- This is not my account. 

This account is showing information thats outdated and inaccurate. That is a clear violation of my rights. Under XXXX U.S.C. XXXX, credit reporting agencies are supposed to make sure what they report is accurate. Thats clearly not happening here because the account details dont match. I also had requested that this account be verified, and I have not seen any proof from you that it was. I need all correspondence regarding the previous dispute including the data provided to you that this account is accurate. 
XXXX XXXX - This is not my account and is showing inaccuracies! 

This agency is in violation of XXXX U.S.C. XXXX. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXX - This is not my account!
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. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-01-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XX/XX/XXXX, I was in XXXX XXXX and my wallet got stolen with all my credit cards and debit cards. Whoever stole the cards used my Capital One Venture card at a XXXX and charged {$2200.00}, {$2400.00}, and {$2400.00} all on XX/XX/XXXX at XXXX. The culprit also spent {$1000.00} on XXXX other cards which was XXXX XXXX and my XXXX XXXX card. I called all XXXX companies the day after ( Saturday XX/XX/XXXX ) immediately after I realized my wallet was gone. All the companies said not to worry and that everything would be taken care of and I was definitely not going to be held liable. After about a month, all the companies did what they promised and all charges were refunded. I then felt secure and went on about my life thinking everything was okay. Some time passed maybe another two weeks and Capital One sent me a notification that they were not recognizing my fraud claim and that it was not considered fraud. I immediately called them to figure out what was going on. It is now XX/XX/XXXX and they still will not take these fraudulent charges off my account. I have spoken to XXXX XXXX. ( they will not give me her last name ) in the fraud department what seems like hundreds of times, talked to her manager, and anyone else who will speak to me in the fraud department and get no where. They say it is my job to prove that it was not me who made the charges, which I have done to the best of my ability. I have done everything they have asked of me including filing a police report with the XXXX XXXX Police Department. They still are charging me! I have had arguments and explained to Capital One that they told me I am not liable and even took it off my account for about a month just to be put back on. They are basically calling me a liar and instead of being innocent until I am guilty they are saying I am guilty until I can figure out to prove my innocent which I feel like I have. I am not a lawyer and do not really no where to go from hear. I even told them that both other credit card companies recognized them as fraud ( thanks and great customer service from XXXX XXXX and XXXX XXXX ) but Capital One says they do not care and that their fraud requirements are different. 

I am just requesting what Capital One told me when I signed up with them, that I would not be held liable for fraudulent charges and to take off the fraudulent charges. I have all detailed information to move forward with a resolution or if it is not resolved a lawsuit. 

Thanks for your Time, XXXX XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I received a copy of my credit reports and am writing to dispute these fraudulent accounts following information that appears on my XXXX, XXXX, and Experian report for fraud. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, 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 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
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I received a copy of my credit reports and am writing to dispute these fraudulent accounts following information that appears on my XXXX, XXXX, and Experian report for fraud. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXXXXXX 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 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
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. (NC)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
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. (NV)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

I did a mobile deposit of my check from my employer on XX/XX/23. I received an e-mail days later XX/XX/23 stating that my account is closing within 60 days. I was told because the address my employer placed in the check did not match the address on my checking account that it was fraud and my account will close and I dont have access to the funds and I will have to wait for them to send a check. I called with payroll supervisor on the phone in XXXX and was told that they will send the check to me in the mail. As of today I still have not received my funds and now I am being told I can not get my funds after following their instructions from their customer service to wait 15 days after XX/XX/XXXX when the account was closed and check was mailed out to me.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

In accordance with 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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

In accordance with 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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In XXXX of 2024 I sent a second notice letter and submitted a complaint through the mail and their website regarding some disputes on my credit report. I asked for verification of the investigation and the documents used to verify the information listed in the dispute and on my credit report and received an email in XXXX letting me know they did not believe the letter came from me but I can dispute the information online. I immediately replied and said that it was me and even sent a copy of my drivers license for verification when I mailed my request. I have never been replied to and no action has been taken on my dispute.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: GATEWAY FIRST BANK (WA)

I am writing to complain about a denial of account opening without proper explanation. At the end of XXXX, I tried to open a checking account online with Gateway. I was denied with a dubious reason, that my " risk profile '' exceeded their policy : " Good afternoon, Upon further review of your application, we are unable to serve your banking needs at this time. The application risk profile exceeded our policy. Gateway First Bank '' I know for a fact that there are no red flags or delinquent bank accounts on file with any credit or consumer reporting agency. Furthermore, I make over $ XXXX and my FICO score is over XXXX so clearly I am no risk for opening a DEPOSIT account, not credit. Gateway owes me an explanation SPECIFICALLY why this account was denied. I expect a Gateway representative to CALL ME with this explanation.
Consumer complaint received 2024-09-21
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. (VA)

Dear CFPB, I am writing to formally dispute multiple unauthorized inquiries that have appeared on my credit report. I have thoroughly reviewed my report and identified several inquiries that I do not recognize and did not authorize. These inquiries are negatively impacting my credit score, and I believe they were placed in error or without my consent. 

I am requesting an immediate investigation into these unauthorized inquiries and for them to be removed from my credit report as soon as possible. The credit reporting agencies involved in this matter are XXXX, XXXX, and Experian. 

I have attached a copy of my credit report with the disputed inquiries highlighted. Please assist me in resolving this issue promptly in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (OH)

During our loan process, our mortgage loan officer did not fully disclose all of the information needed. For instance, as first time home buyers we were unaware that our interest rate would change if our closing occurred more than 60 days after we placed our offer. Even though we were in conversation with our loan officer before / between every step in the offer and negotiation process, this information was not disclosed to us until after we signed our contract. Also, as we came within a week of our closing date, we contacted our loan officer -- only to receive an automated response informing us he would be on vacation until days after our closing. After making contact with our loan officer 's supervisor, the mortgage sales manager, we were informed that pieces of information were missing and we would have to postpone our closing for another day. With that postponement, the mortgage sales manager sent us updated closing documents. On these documents, our monthly mortgage payment was listed as {$130.00} more than on the initial documents sent by the mortgage officer at least one month prior. This large difference was due to a calculation error by the mortgage officer. When this was brought to the attention of the mortgage sales manager, he refused to make any adjustments to the interest rate ( which was increased due to the non-disclosure of the impact our delayed closing would have on the rate ), fees, etc., despite conversations with the realtor and both buyers. This {$130.00} increase in monthly payments significantly impacts our budget. The carelessness of the mortgage officer and the mortgage sales manager 's review of our paperwork has caused unnecessary stress.
Consumer complaint received 2015-08-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (AZ)

I have a mortgage loan with Amerihome Mortgage. In early XXXX, they sent me a check for the amount of my XXXX payment with a note stating that my loan was transferred. When I got someone on the phone, they gave me a number to call. I called and they refused to talk to me -- said I had to call back. I believe that they intentionally did this to get a late payment on my account so that I could not HARP refinance. I have sent XXXX payments to these fine folks ( XXXX and XXXX ), but they refuse to remove the late payment from my credit. I have filed a complaint with the XXXX and now with you. Please let me know if I can get any help with this problem. I still have the note that they sent with my check and will try to get a copy of the check ( I deposited the check to cover resending the payment ). 
Thanks and XXXX 's Blessings -- XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2016-06-12
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (LA)

Issues in XXXX. My loan estimate states my fees are {$6800.00}. I was given my cd with fees $ XXXX higher than what was disclosed on XXXX. My loan officer forced me to close on XXXX, waiving my 3 day right to review and accept higher fees. I also found out I do n't have a clear title and there are open permits that deal with final completion and occupancy.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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