davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
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. (MO)

I hope this letter finds you well. I am writing to express my concern and dissatisfaction regarding the late opening of my account and the subsequent removal of late closed accounts. I believe there may have been an oversight in the handling of my account, and I am seeking your assistance in rectifying this matter promptly. 

I recently opened an account with Credit Bureau and I have observed a delay in the activation of my account. The delay has caused inconvenience, as I have been unable to access the full range of services and benefits associated with my account in a timely manner. I kindly request an investigation into the reasons for the delayed account opening and prompt resolution of this matter. 

Additionally, I have noticed that accounts closed by me in the past have been incorrectly marked as late closures. This has negatively affected my credit history and financial standing. I would appreciate a thorough review of my account history and the correction of any inaccuracies related to the closure dates of my accounts. 

I understand that errors can occur, and I trust that Credit Bureaus is committed to providing excellent customer service. I kindly request that you conduct a comprehensive review of my account history and take the necessary steps to rectify the issues mentioned above. I am asking fot your immediate assistance to correct or remove these accounts : XXXX XXXX XXXX XXXX Balance Owed : {$320.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2024-10-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit, Inc (NY)

I leased a new car from Audi. The day I first brought my car home, on the way home from the dealership, the engine malfunction indicator lamp came on ; the owners manual said this was an indication I shouldnt drive the car and needed to bring it in for service ( the issue was the engine coolant system and catalytic converter ). I wasnt able to use my car for the first XXXX XXXX of the lease period because Audi didnt have service appointments available ; nevertheless, Audi claimed the lease payments were due on the car. Subsequently, I had to take my Audi in for service five subsequent times for the same exact problem ( in total Ive had to take the car in six times ) ; the car has been unusable for a significant portion of my lease period ( and it has cost me a lot of time and frustration ). I spoke with the head of Audi 's repair department and he promised me Audi would compensate me for my trouble ( by extending the lease or otherwise changing the lease terms and payments ) ; he asked me to call him in a week for resolution. However, since then the Audi representative hasnt returned any of my calls or emails. Furthermore, I called and emailed the general manager of the Audi dealership and he would not respond. Now the original lease term is expired and Audi is threatening to repossess my car. However, I have not had use of the car for the full lease term even though I have made all the lease payments. Additionally, I receive several robot calls a day from Audi asking me to call an 800 number ; when I call there are no options available to speak to a human being. And when I have called the Audi dealership I get recorded messages.
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AR)

On XX/XX/2024 my phone was stiles and cash app was compromised by them sending money to an unknown source they used my cash app and sent XXXX and XXXX and pretended to be me. And Cash refuse to return my money
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2022 According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date of receipt.
Consumer complaint received 2023-11-17
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2024-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

Ive purchased insurance with USAA on XX/XX/2023 so I could buy a {$29000.00} car at XXXX XXXX XXXX XXXX. They told me in order to purchase a vehicle I must have insurance so I can drive off the lot. So me and the salesman sat down so I could get in contact with usaa to set up my insurance coverage. So I bought purchased full coverage which was like $ XXXX to cover me for 6 months and the salesman allowed me drive off. About 4 hours later on the same day I ended up in a accident and was immediately transported by XXXX to XXXX XXXX for XXXX and XXXX XXXX since I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the accident. After being released from the XXXX I called USAA around XXXX XXXX XXXX to report that I was in accident and that I needed my car repaired and removed from the tow yard but they told me unfortunately I only had Liability And uninsured motorist coverage and was denied Full coverage, Towing, collision and most importantly Medical treatment. Which is False and not the intended product of service I purchased for. When I know Ive purchased ( XXXX Full coverage ). Due to this minor inconvenience I havent been able to receive medical treatment and care that I need for XXXX XXXX XXXX XXXX XXXX and Ive been in horrible amount of pain and suffering since then. And my car that Ive paid cash for out of my pocket is still stuck in the tow yard. Can someone from both parties please look into this so we can resolve this issue.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMO Bank, N.A. (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verificatio n. On XX/XX/2020, BMO HARRIS BK N A add a hard inquiry on my credit report. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC. (FL)

On XX/XX/year>, I entered the SoFi Website in order to extend a deck consolidation personal installment loan. I completed the information as requested online. A response was provided that the credit was denied. 
Access the adverse action letter that had standard verbiage that was not related to the real reason for the denial. However, it did state that I had insufficient payment history with them. 
I have literally just paid off a {$78000.00} loan that I had recently refinanced and taken out additional funds. So at this point, I have had two loans with them and exceptional payment history I reached out to them directly to ask today why I would receive such notice on an adverse action when it was not accurate or correct. On the contrary, it was false. 
The response was that I had to wait 90 days in order to extend another loan. When I inquired about the discrepancy, the answer was that it was their policy. 
My complaint is that they are deceiving or untruthful in a formalized adverse action letter as required by law. I wonder how many people they affect by doing this and stating such.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX  and the subsequent response received on XXXX XXXX XXXX  enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-11-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Spark Capital One XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX COVID19 shut my business down and I called to ask for extension they agreed but mark my credit report derogatory for being over 90 days late. I have asked them to remove this several times as I am trying to buy a home and can not because of these scores. In XX/XX/XXXX I paid entire credit card off in full
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AR)

XX/XX/XXXX I made a payment from my bank account to my credit card company. They both acknowledged it right away. It showed up on both accounts on XXXX XXXX was taken out of my checking account, applied to the credit card company-Citi Bank. 
Citibank is not applying it to my balance on my credit card-they are saying they received it and it posted on my card, but they won't let me use that amount on my card. They are not showing the correct amount available on my credit card.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (NC)

I am writing to urgently request your assistance in investigating a series of fraudulent charges made to my account. These transactions took place on XX/XX/year>, and XX/XX/year>, with a merchant listed as " XXXX '' located in XXXX XXXX, XXXX. I did not authorize any of these charges and am deeply concerned about the security of my financial information. 

Here are the details of the unauthorized charges : Date : XX/XX/year> Amount : - {$570.00} Merchant : XXXX XXXX Date : XX/XX/year> Amount : - {$570.00} Merchant : XXXX XXXX Date : XX/XX/year> Amount : - {$74.00} Merchant : XXXX XXXX Date : XX/XX/year> Amount : - {$570.00} Merchant : XXXX XXXX Date : XX/XX/year> Amount : - {$74.00} Merchant : XXXX XXXX Date : XX/XX/year> Amount : - {$63.00} Merchant : XXXX XXXX  These charges are significant and were not authorized by me. I contacted SoFi, my financial institution, regarding these fraudulent transactions, but they informed me that they would not take any action to resolve this issue. This has left me in a very difficult position, as I am now facing substantial financial loss and distress without any support from my bank. 

Given the refusal of SoFi to assist, I urgently need the CFPBs intervention to investigate these fraudulent charges and ensure that such activities are properly addressed. I am willing to provide any additional information or documentation required to support your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response and hope for a resolution soon.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (VA)

On XX/XX/XXXX, I requested a credit limit increase online for my Fidelity credit card ending in XXXX. A few days later, I noticed that my credit score had decreased by XXXX points. Today I called Elan by phone and learned the following : 1. My request was denied because a credit file was locked. They refused to say which bureau or even which person. They advised me to check all six. 
2. Even though I am the primary cardholder, an attempt was made to pull my wife 's credit reports as well. Her credit scores also suffered severely. 
3. No notification was given to me by phone, email, or text message about this issue.

4. All inquiries made were " hard '' pulls, even though a soft inquiry would have yielded the needed information.

5. When I asked for a copy of the disclosure where I was supposedly informed that a hard pull would be performed, I was denied.

6. When I asked for a copy of the consent where I supposedly gave permission for a hard pull to be performed, I was denied.

7. If I choose to reapply for the credit limit increase, additional hard inquiries will be performed against my, and my wife 's, credit reports, even the the one that were not locked. This would cause further damage to my credit scores.

8. Five days later, I am still waiting for the official denial to arrive by snail-mail.
Consumer complaint received 2024-10-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

This credit card debt is more than 7 yrs old with LVNV Funding, I will have to have proof with my signature that this is my debt. I would like this remove from my credit report if no proof that its me. The company says I owe {$650.00} in which they probably brought it for {$200.00}. I despite this transaction if no proof of my signature.
Consumer complaint received 2024-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CO)

Over {$700.00} in unauthorized card use. Kids ( under XXXX XXXX XXXX ) took my phone and wallet off the counter while I was doing house repairs and used my cards and Chime account ( auto logged in on my device as all apps are for everyone ) to make hundreds of dollars of charges to various gaming websites and even some very creepy child luring gambling websites. Not only is this illegal for Chime to not block, but they refuse to credit my account for this XXXX XXXX states this is a disputable issue and is common enough, and the logins even shows different phones accessing my Chime and cards etc. But they didn't even look at my claim. They auto declined it as they do everything and wont send me details even as to why they pretended to find a reason to deny. Sick of Chime.
Consumer complaint received 2023-11-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to bring to your attention a matter of significant concern regarding the accuracy of my credit report. After a thorough review of my credit history, I have identified inaccuracies that are adversely affecting my credit score and limiting my financial opportunities. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
Upon reviewing my credit report from your bureau, I noticed several instances of reported late payments that I believe are inaccurate. These late payments are erroneously attributed to my account and have been persistently impacting my credit score. I have attached a copy of my credit report with the disputed items highlighted for your reference. 
I would like to request a thorough investigation into the accuracy of these late payment entries. I have always made timely payments, and these inaccuracies are unjustly affecting my creditworthiness. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of these inaccurate late payments from my credit report. I kindly ask that you conduct a prompt and thorough investigation into the matter, verify the accuracy of the information, and make the necessary corrections to my credit report.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I have sent Equifax several letters asking them to unmerge my account with a person with the same name. My name is XXXX XXXX XXXX and when creditors attempt to pull my credit using XXXX XXXX and my SSN it pulls another person 's credit. I was recently declined by XXXX XXXX XXXX XXXX who pulls Equifax because they were unable to pull my credit report. I can not pull my credit report form XXXX XXXX, XXXX, or even on Equifax 's site MyEquifax.com ; they all show no accounts or information for me.
Consumer complaint received 2023-11-17
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. (FL)

It has been drawn out that Credit Bureaus are not hindering records. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX