davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2021 my fianc and I went into XXXX around XXXX with a preapproval from 2 days prior. After submitting all necessary paperwork we were told it would take around XXXX hours to finalize the process. We left around XXXX and received a call an hour and a half later saying everything has been approved and to come pick up the keys and sign final paperwork. upon arriving an employee pulled up our address on XXXX maps years prior to our move in and stated " the lender pulled up your address and because of how it looks the lender no longer wants to offer you financing, because there is no way a business is run in a house that looks like that '' a manager came to us about an hour later after being told to wait and handed us our paperwork and stated " we arnt able to offer you a car at this time '' I said " I have a right to know why we are denied after an entire day of waiting around and being told we were already approved '' He responded " no Actually you don't have that right, we don't have to tell you ''.
Consumer complaint received 2021-07-12
Product: Credit card or prepaid 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: DISCOVER BANK (ID)

I made a purchase in the amount of {$1100.00} at XXXX XXXX  XXXX on XX/XX/XXXX. Due to COVID-19 the vacation was delayed and eventually cancelled. XXXX refunded the amount of {$1000.00} on XX/XX/XXXX, minus the cancellation fee. I have called repeatedly for over a month inquiring about the return and was repeatedly told by Discover that the funds were never returned to Discover by XXXX. However, when I would call back to XXXX they would assure me that the funds were returned to Discover. In the process I have spoken to over 25 Discover associates and have been told either that they were looking into it and would call me back, but then I would never get a return call and would have to start all over, or they would forward me on through several associates until finally one would just tell me they did not have my money and could not help me and would refer me back to XXXX. I went back and forth between the two companies numerous times, with XXXX giving me more and more information about the return up to and including a screenshot of the refund capture screen. I have repeatedly offered to email on to Discover all the return information and proof I received from XXXX and was told by Discover that they could not accept emails. I finally managed to get someone from Discover to accept the emails 3 days ago and was told once again that they would look into it and call me back. This time I made sure they told me the date and time that they would call me back. It is now 4 hours past that time I was told they would call me back and I have not received a phone call nor have the funds been credited to my account. At this point, I am of the opinion that the company has no intention of ever returning my funds. Not to mention that I have been accruing interest charges on my account for these purchases for a month and a half even though they have had the funds the entire time. All I have received from their company is excuses, delays, and lies.
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (GA)

I initially contacted XXXX XXXX  on XX/XX/2021, after I learned that my tax return was sent to a Cash App account. I sent correspondence to XXXX XXXX and she told me that she would send the copy of the fraudulent check to the fraud department and they would freeze the funds until they heard from the IRS. On XX/XX/2021, I was told by a taxpayer advocate that the money was not returned from XXXX XXXX  because there was {$2.00} in the account by the time the trace arrived. 

I am asking you to investigate and reach out to both XXXX XXXX  and Cash App. I am providing correspondence from both entities to assist with your search efforts.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent out Dispute Letters to XXXX, Equifax, And XXXX  for inaccurate information on my Credit Report on XX/XX/XXXX. I did not receive a reply back from XXXX  and Equifax. I then sent out a second round of Dispute Letters to On XX/XX/XXXX to again dispute the inaccurate information still being reported on my report and still have not received an response from XXXX  or Equifax. This has been well over the allotted time for an investigation. Please Advise.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, 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. (IL)

These credit inquiries that are on may report have been placed on a police report, but the credit bureaus still fail to remove them from my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/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
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have a current copy of credit report as of today. As of today, there is new unverifiable information on my credit report listed within the Public Records section of my credit report. There is now a Bankruptcy being shown that is formally being dismissed. I have disputed this alleged account on multiple occasions this has been directly with CFPB assistance and disputed this negative allegiant Public Record with XXXX, XXXX  and Equifax on so many times - - - I can NOT even count anymore! 

These credit bureaus have made it beyond impossible to fix this error on their behalf and have not yet as of this date shown any accurate verifiable and certifiable proof of alleged Public Record. 

Attached you will find written communication with review to assist with a permanent deletion.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc. (OH)

Today, I received an unsolicited Cash App card in the mail. Based on internet research, the card appears to be a prepaid debit card. XXXX, XXXX XXXX appears to explain that they send these out by request WITHOUT a credit check. If they did a credit check, they would have found that I have a credit freeze on and opted out of credit card offers. 

This is esp. worrisome as someone fraudulently filed for unemployment using my information. 

The useless phone number given online to contact XXXX XXXX instructs you to listen to their online instructions. No live person can be reached on any branch of their " Customer Service Line '' ( XXXX ) The only way to get to customer service for this card is to activate the card and download their software to a phone. I don't want to activate the card and don't have a phone to download an app. I want the card shut down. 

Numerous scammers are now soliciting online to solve problems with Cash App because users can't interact with a customer service department. 

How is it legal that they can send out credit cards that can be attacked by scammers with no way for individuals to shut down the card?
Consumer complaint received 2021-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (SC)

My VA doctor ordered a XXXX test that was completed om XX/XX/2021. I have receiving bills for {$480.00} for XXXX XXXX. The VA is slow paying them so they sent me to COLLECTIONS. 
They want me to contact the VA and get them their MONEY. 
I'm not well and have A XXXX  XXXX condition. 
They had me on hold for 10 minutes and then disconnected me.

I informed them that under Law they must file their claim in 180 days or the VA will not PAY!
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Sent a document to XXXX and XXXX to credit bureaus to request a completed signed agreement between myself and creditors listed on my credit report. The document stated I would receive a response in 30 days. It has now been 30 days and no response
Consumer complaint received 2021-11-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NM)

I bought a car financed through Hyundai Motor Finance in XX/XX/2021. I have since been trying to get the title transferred to the state where i live. Repeated attempts ( weekly ) to obtain a title transfer from HMF have failed, with the customer service agent telling me that they have emailed the titles department but there is no other way to contact them and to call back in a week for an update. I am unable to legally drive or register my car due to this issue, which apparently is common enough to warrant an entire XXXX and XXXX XXXX about the titles department at HMF being completely unreliable and failing to provide titles to owners whether paid off or not.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2021-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 I received a text from Chase that there was suspicious activity on my personal checking account. Someone had taken {$3000.00} out of an ATM about an hour from where I live ( I live in XXXX CA and the ATM was in XXXX XXXX ). I immediately called Chase and said that this was fraudulent activity. I still had the ATM card in my possession. The customer service representative said she would shut down this ATM card and send me a new one. 

Later that day I checked my personal checking account online and someone had entered the branch and withdrawn {$8200.00} from a teller using a fake id. So that was a total of XXXX from that account on XXXX. I immediately called Chase to report the fraudulent activity. The customer service representative said that Chase would suspend this account and I should go to a branch to open a new account. 

On the morning of XXXX I pulled up my Chase business account online and saw that there was an unauthorized withdrawal using a deposit slip of {$10000.00} at the same XXXX XXXX bank branch. So this is the THIRD unauthorized transaction on XXXX in XXXX XXXX. I immediately called Chase and they told me to go to a branch to close this account and open a new one. 

I went down to my branch on XXXX and filed XXXX fraud claims : one for the XXXX and XXXX unauthorized transactions on my personal checking account and XXXX for the {$10000.00} unauthorized withdrawal on my business account. Both accounts were closed and I opened XXXX new ones. 

After several calls with Chase and faxing several affadavits, Chase has refunded the {$3000.00} ( ATM transaction ) and the {$10000.00} ( unauthorized business withdrawal ). They refunded the $ XXXX because the signature on the withdrawal slip at the bank was clearly not my signature. 

After XXXX separate appeals Chase has continued to deny the claim for the remaining {$8200.00} because it was " a pin transaction '' This despite the fact that the {$3000.00} they refunded was also a PIN transaction and they alerted me to all this fraud to begin with. They told me my only recourse was to file a police report which I did on XXXX. The police detective said he was optimistic that they would be able to get video footage from the bank to prove that this was theft. However, he said it could take a while because Chase is " notoriously uncooperative with police investigations. '' I do not yet have an update on that investigation.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .On 07/12/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on 07/12/2021, I contacted Transunion via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. Transunion is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

My wife and I are trying to get a mortgage for a primary residence and the credit bureaus are reporting a bankruptcy on my credit report. I disputed this matter with all 3 agencies. XXXX  investigated the matter and removed the item. XXXX  states they investigated the same matter, stated it was accurate and will not remove it. I contacted them via phone, and they instructed me to contact the bankruptcy court. The clerk indicated that their investigation would involve matching signatures. However, that filing has an electronic signature that can not be verified to be valid. ( Please see my attachment from the federal court which does not allow electronic filing without permission from the court ) I then called XXXX again to explain my findings and again dispute this matter. I asked for the details of their investigation, a copy of the bankruptcy document which includes my signature according to Section 609, Fair Credit Reporting Act. They refused stating that they have no documents within their company detailing their findings. This was reported to them by a 3rd party and they would not reveal their identity or furnish proof. I explained that in 2017 I lived in NJ ( XXXX miles from Nevada ), I had NO debt that would justify a bankruptcy, nothing with my signature to prove the validity and this, coincidentally, is the year in which Equifax had a data breach. I also attached a report of 21 people, found in one search, named XXXX XXXX here in the US. I also offered the confirmation from XXXX  who also investigated and found this to be incorrect and removed the item immediately. The supervisor was determined not to furnish me with proof, the 3rd partys name or consider the facts I supplied even after quoting my rights under Section 609, FCRA. It is a statistic that 1 of 5 people have an error on their report. I have the opportunity the purchase this home for my family but may lose it due to credit bureau red tape and intolerance. Please Help!
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).