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 — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 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. (IN)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
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. (FL)

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXX XXXX XXXX XXXXXXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX ) Account # XXXX and ( XXXXXXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX and ( XXXXXXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
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. (NJ)

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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 it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
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. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax

) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. . 
XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
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. (MO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications
and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law.

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect.

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-29
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MA)

Navient from the start mis-informed, diverted and ultimately destroyed my credit because of thier lack of guidance and/or help when it came to my loans coming out of forberence. I was XXXX on SSI with XXXX children trying to find a new job after graduation and my loans were coming out of forberence. I tried contacting Navient to get information about reducing my payments through consolidation or other options that would keep me from defaulting on my current loans. They told me my options were very limited and that I could only apply for a hardship, which I did. Nothing ever came of it and my loans went into default.
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. (MI)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP (IN)

Subject : Ongoing Issue with Online Account Opening Process Dear KeyBank Online Account Opening Team, I hope this message finds you well. I am writing to express my frustration regarding my continuous inability to open an account with KeyBank online. For the past XXXX years, I have tried to open an account, but I have consistently encountered the same issue, as outlined in the attached screenshot of the error message. 

The message indicates that KeyBank has been unable to confirm my identity based on the information I have provided. However, I have verified that my details are correct, and I am unable to understand why the system repeatedly fails to confirm my identity. As the nearest KeyBank branch to me is in XXXXXXXX XXXX, and I am located in XXXXXXXX XXXX, traveling to verify my identity in person is not feasible for me at this time. 

I would like to request that this issue be escalated to the appropriate team within KeyBankwhether that be your Online Account Opening Team, XXXX XXXX, XXXX Department, or another relevant department. I believe that your online identity verification process may not be following the proper protocol or regulations to enable users to confirm their identities remotely. 

Given that this issue has persisted for several years, I will be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) if the problem is not resolved promptly. I believe that a fair resolution would involve allowing me to verify my identity online through a secure, alternative method, so I can successfully open an account without having to travel to a physical branch. 

Please address this matter as soon as possible. I look forward to your prompt and satisfactory resolution to this issue. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-10-08
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 (PA)

Capital one is my Cradit card company i percussed {$3000.00} XXXX XXXX name is ANOYMOUS on date XX/XX/year> and i realis this company scam then i was contact them hey i do not need your servicing and can you refund my money back on date XX/XX/year> time frame is under 30 days .then Merchant do not answer and i was call my Cradit card company they file as dispute and Cradit fund temporary base .then and now i was summited my written statement send capital one XXXX time but they not agree with me and XXXX time and more i was spoke with capital one customer service people try to Resolve my issue and they just transfer phone and get all my statement and XXXX min call duration each time .My request is just Resole this issue i will make payment rest payment Right away and remove 120 day late payment.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (IL)

hi, My name is XXXX XXXX and I had a checking account with US Bank which I closed on XXXX XXXX 2024. 

The account was number : XXXX ( XXXX ). 
Account balance : {$20000.00}. 

I have been waiting for US Bank to return me the money for more than a month and have called them several times. They say the check was returned by the postman but that can't be since I am getting regular mail for the last 2 years at my address. Just as recently as 2 days ago, I got a mailed letter from US Bank itself saying that they have closed my account and have to return me my {$20000.00}. 

The US Bank says, the check was returned in XXXX but they neither intimated me about it nor offered me any other means to receive my money. 

In the last two weeks since US Bank claims that the check was returned, I called up US Bank customer representatives at least 4 times and every time, I spend around 40 minutes on the phone and then they just ask me to call back after 2 days. 

I wrote an email to the CEO of the Bank as well but it was unacknowledged.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (TX)

I have been a victim of identity theft and have not been able to obtain a bank account due to early warning services inaccurate reports. 

This is a re-dispute case ID # XXXX with a reference # XXXX. 

XXXX XXXX  XXXX has confirmed that the account belongs to me but I was not disputing ownership of the account. My dispute is that my card was stolen and fraudulent activity occurred during my card being stolen! Early warning is reporting that fraudulent activity was associated with my account when I was the victim of fraud. On XX/XX/2021 a mobile deposit was mad that was not from my phone so that IP address needs to be investigated along with any withdrawals that were made after the deposit. Video or camera footage if any would be great if money was withdrawn from an ATM along with the phone numbers the electronic funds were sent from! 

During my disputed process I received a call from XXXX XXXX with the resolution specialist department and returned her call immediately with no answer, I left her a voicemail and sent several emails with no response. I called XXXX back at least 15 times within a 2 week span but never was able to reach or even speak with her. 
I then was able to reach another agent by the name of XXXX XXXX and sent in my documentation but EWS claim was closed before my response even was reviewed. I Requested atm video of withdrawls made after XX/XX/2021 and phone number or IP address from deposit made on XX/XX/2021 from XXXX as well. Also my license number reported on EWS is incorrect, my Ga license is # XXXX
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

My bank account was compromised, my identity was stolen, and my XXXX was cashed out without my consent. They also filed taxes in my name, leading to my tax return being rejected. When they hacked my account, they made false reversal claims, and once the money was in my account, they withdrew it and transferred it elsewhere, along with making unauthorized charges and ATM withdrawals. My identity has been misused in various ways, and this entire situation has resulted in unpaid balances and additional fees for things I've already settled. Now, the bank keeps denying my claims, causing my new account to be overdrawn. The bank even took money deposited by my employer to cover this overdraft, leaving me with no funds to pay bills or access my money. Completing the identity theft packet from XXXX and the FTC is challenging because of all this. 

The IRS was unhelpful, and Social Security 's request for a new social security number has also been frustrating. This situation has led to me missing numerous workdays, and I still have no resolution. I dont get paid when Im not working, which means I cant sell to customers while Im dealing with this issue. This identity theft and bank hack could cost me my job and result in my eviction from my apartment.

A few days ago, I consulted with a lawyer, but it seems they are now ignoring my messages. I've already placed a freeze and set up fraud alerts on my credit reports with all the credit agencies. 

The bank is Chase Bank. They told me that the PIN was used, which gave them access to my entire account. I pointed out that my account showed a device labeled as a XXXX XXXX device, but I dont own any XXXX XXXX XXXX, or Android products ; I only use XXXX products. Despite this, they have not taken any action. For the second time, XXXX has taken a direct deposit from my employer, leaving me without any funds. 

The credit agency reports indicate that my identity is listed on the dark web, and I've also received letters in the mail from medical or hospital bills stating that there have been data breaches. These are from medical companies I have never heard of either. 

I spoke with a XXXX Police officer, But they weren't very helpful. They lack effective resources and don't know who to pursue. I reviewed their identity theft packet online, but it was unhelpful. The XXXX Police officer mentioned that the case was too large for them and advised me to go to federal authorities since it involves multiple locations, including the draining of my XXXX accounts. 

I was advised to go online since it appears that everything must be done online these days. I'm not sure why, especially considering the identity theft incident, But the IC3 is quite confusing to complete, similar to other ones I've encountered.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-10
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. (MD)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-07
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. (FL)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX, Equifax to remove these inquiries and all attempts failed.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.