davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I am a victim of identity theft and have been struggling for the past two years to remove fraudulent information from my credit reports. While I was outside the U.S., USAA SAVINGS BANK credit account was fraudulently opened in my name without my authorization. I have filed multiple disputes, both directly with USAA SAVINGS BANK and through XXXX, XXXX, and XXXX, providing a police report, identity theft report, and my XXXX as proof that I was out of the country when the account was opened. Despite this, USAA SAVINGS BANK continues to deny my requests to remove the fraudulent account.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

I am being denied of disputing inaccurate information on my credit reports. ( 623 dispute leters ) Instead the credit bureaus are sending me a letter back telling me to go online and which i have online acounts i have always used and are currently using and they are denying my rights to dispute online and on the phone they are sending me to tect maessages with same information as in the letters they are sending back to me after i mail in first class and certified letters to these credit bureaus. They are in violations of m y rights as a consumer. They are making up this stuff saying that it appears yo not be me trying to correct my credit report with my identi documents attached. 
Under The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C1681. This information and process needs to be processed accordingly. Please Assist me.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have been a victim of identity theft since XXXX  I have proof that my identity have been compromised it not fair to me that I got to suffer from someone else wrong choices I have no knowledge of the accounts that's reporting to my credit report they have been open with my information fraudulently the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have sent supporting documents stating that my identity where compromised and the accounts we open without my consent or knowledge using my information Under federal law 15.USC 1681A SECTION 2B STATES THAT I HAVE THE RIGHT TO DELETE ANYTHING OFF MY CUSUMER REPORT THAT HAVE BEEN OPEN USING MY INFORMATION WITHOUT MY CONSENT.
Consumer complaint received 2024-08-01
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: Augusta Collection Agency, Inc. (GA)

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 2024-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XX/XX/XXXX Dear XXXX and The Consumer Financial Protection Bureau : REGARDING Loan Ending in XXXX for XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I am responding to yet again another example of the ineptitude and lack of financial controls Fifth Third is exhibiting again on my XXXX XXXX mortgage account ending in XXXX being serviced by Fifth Third. I am responding to your letter dated XX/XX/XXXX in regards to the financial declaration page. Oddly enough I have the request that XXXX XXXX  sent you and I dated XX/XX/XXXX. Please note it has your correct address in XXXX Ohio. So the issue again is Fifth Third has engaged in fraudulent activity that had been reported after hurricane XXXX. 

How do we know this is fraud? Lets look at the letter dated XX/XX/XXXX stating they have been in contact several times to acquire my policy? Seems very hard that you contacted them and received no response yet you paid them the exact amount they needed for policy renewal also on XX/XX/XXXX as included from a screen shot on my account. How could the money be paid out and to whom if you had no contact? If you had no idea how was this bill paid on XXXX the same date as the letter you addressed to me? Are you telling me you have money leaving accounts held in trust for your mortgages and have no financial safe guards? Because you can not tell me that somewhere along the line your system didnt flag that hey we have the data this should not be sent out or in the likely case with Fifth Third they have a strong financial interest to get me to refinance my rate so they can increase their profitability. 

This satisfies your ridiculous request and I await information from XXXX in regards to this matter. 

Sincerely, XXXX and XXXX XXXX
Consumer complaint received 2024-10-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

I have a Citibank /Citigold account and I opened a 1 year CD # XXXX on XX/XX/XXXX for {$250000.00} at a 4.75 % interest rate. The CD matured on XX/XX/XXXX for {$260000.00} and there was a grace period of 6 days from XX/XX/XXXX to XX/XX/XXXX and I was advised by Citibank on XXXX separate occasions that I would continue to earn the 4.75 % interest rate on the CD for the full 7 day grace period following maturity. Instead I was credited incorrectly for only {$2.00} for the 6 days from XX/XX/XXXX to XX/XX/XXXX instead of what should have been interest of {$200.00}. 
I have called Citibank 5 times but each time I receive an unacceptable reply that they are still working on it. They put an investigation into the incorrect interest credit under the Reference # XXXX. It's been 2 months now and they have not resolved this nor have they sent me a letter or called regarding the error. I have not been credited for the correct amount of {$200.00} to this date.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I opened and funded a Chase account at the direciton of a Chase Private Client Banker. He submitted the request successfully and tracked it through the required time ( 90 days ) until it was scheduled to pay out. At the payout time, he informed me that he made a mistake, and that my account does not qualify. I want Chase to honor what this Banker promised me and award the $ XXXX bonus asap.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Indie Technology DBA Found (FL)

Found bank, which is not really a bank, to find out for small businesses allow someone to make nine transactions on my account sending money to a whole Nother country using it in a whole Nother state nine different transactions. They did not stop them. They did not notify me. I had to find out after walking out of a hurricane, I put complaints. They said it takes 10 days but Ive already denied half of them. If you look on the XXXX XXXX XXXX  this is what they do. These people are selling peoples information to scammers. They are part of the XXXX trafficking.
Consumer complaint received 2024-10-19
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)

EQUIFAX continuously has data breaches. 
EQUIFAX HAS imposters. 
I am a victim and I am a victim of Identity Theft and FRAUD by Equifax. 
Equifax continues to violate FCRA & posts a FAKE account, PUBLIC SERVICE XXXXNOT MINE & NO CONTRACT, on my credit report & refuses to send me USPS a Equifax legal copy of my credit report. Equifax XXXX Account Take Over=cyber IDENTITY THEFT AND FRAUD. 
I have a permanent fraud, security freeze & opt out on my Equifax credit report.

Equifax has violated all 3 above and posts FAKE EVERYTHING and UNAUTHORIZED & no court order, soft & hard INQUIRIES =DELETE ALL INQUIRIES.

DELETE PUBLIC SERVICE XXXX. 
Increase my credit score and USPS MAIL ME MY EQUIFAX CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX correct this XXXX XXXX, AZ XXXX XXXX XXXX XXXX Police Identity Theft Report
Consumer complaint received 2024-10-16
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 (TN)

Capital One claimed that I opened joint business account with them in the year XXXX. The account was charged off in XXXX. I have yet to receive a 1099c to add to form 892 to send this to irs letting them know that I am insolvent and that my responsibility out weighs my income. I have requested the form from them several different times just for them to tell me that although it has been charged off they have not written it off the book yet. So isn't that fraudulent that for XXXX years you have been writing off the same account? the account number from what I gather is # XXXX XXXX XXXX XXXX -- XXXX -- -- XXXX
Consumer complaint received 2024-10-14
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 (NY)

I have a capital one credit card. I had an outstanding payment history until the issue in question. I had my entire purse stolen at the airport as I was going out of town for a funeral. I had submitted my payment prior to that, as per usual. Unbeknownst to me my bank account had been drained by the person who stole my purse/wallet. So the payment returned. I resubmitted the payment without looking in to why it returned, because I honestly thought it was a mistake on their end. I had already canceled my debit cards but not my full bank account ( which is what I pay with ) because I didn't know that my account was also compromised. Instead of reaching out to me to find out what happened, since this has NEVER happened before, they closed my account and reported it to my credit in less than a week! The reason I even knew about it was because XXXX sent me an alert notifying me that I had a new closed account reported on my report! 
That is so excessive and absurd. I immediately called capital one, who was of absolutely no help to me. I reported the fraud and they still refused to reopen my account. They showed no compassion and tried to make me pay this astronomical amount that was not mine. I should have had {$200.00} in available credit, but instead they closed my account.
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I noticed on XX/XX/year> that there were a few hard inquiries on my credit report that I dont recognize. The first one was from XXXX XXXX XXXX XXXX XXXX XXXX The second one was from XXXXXXXX XXXX XXXX XXXX XXXX XXXX The third one was from XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX The fourth one was from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dont recognize any of these inquiries or details about them. Theyre all noted down on my hard inquiries and its made my credit score go down immensely. I hope that you can help get them removed.
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. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 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'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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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. (AL)

RE : RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXXXXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax has violated my consumer rights and violated federal law. This is multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
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. (TX)

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to remove the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$530.00} XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
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. (PA)

I found unauthorized inquiries on my credit report this morning, and I have no idea how they got there. I check my report regularly, but this time there were unexpected discrepancies. I tried refreshing the page, hoping it was just a glitch, but that didnt fix the issue. Im incredibly frustrated and want the documents Ive sent to be reviewed immediately so I can stop stressing over this.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
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. (TX)

To Whom It May Concern,.

I completely disagree with the outcome of your investigation. Even after your examination, my credit report still shows the inaccurate things indicated below. For good cause, I would like these items to be looked into again right now. My credit score is severely harmed by these errors.

Additionally, in compliance with Public Law 91-506, Title VI, Section 611, Subsections A-D, and The Fair Credit Reporting Act, I require you to furnish tangible evidence of the information 's verification rather than a computer-generated affirmation. 
I appreciate your time and assistance with this.