davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am filing this complaint to bring to your attention that Equifax is unlawfully reporting fraudulent accounts on my credit report. These accounts are the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) from appearing on my consumer credit report as a result of identity theft and fraud within 4 business days. While other credit bureaus have promptly removed these fraudulent accounts without issue ( See Attached Proof ) Equifax continues to report this inaccurate and damaging information. These accounts are the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MD)

After viewing my credit report for JPMCB credit card, XXXX, there was a LATE PAYMENT which reports. 
LATE PAYMENTS are illegal to be reported per 15 USC 1666b ( a ) Time to make payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I do not receive statements 21 days before due date.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I was never given an option to OPT OUT.

I hereby revoke JP MORGAN CHASE BANK from reporting information for the account mentioned to all credit reporting agencies. Again, JP MORGAN CHASE BANK and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked for ACCOUNT XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

A letter was sent to LexisNexis in regards to a bankruptcy that is being reported on my credit reports ; XXXX, XXXX, XXXX and XXXX every month this year ( 2024 ) stating that they didn't have my consent to report the bankruptcy. I received a letter from the US Bankruptcy Court and they stated that they didn't provide the bankruptcy information to ANY of the credit agencies. This should be removed as they didn't have my consent or the Bankruptcy Court to report this on their credit reporting platforms.
Consumer complaint received 2024-07-17
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. (NJ)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-06-27
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. (GA)

I have disputed the furnishing of negative information with this account several times and every time it comes back " verified '' on my report. I have requested for a full audit tracking of this particular account as to see how and why you feel allowed to furnish incorrect, unauthorized and invalid information on my report illegally. Also what gives you the right to sell personal information for profit? Furthermore this account is charged off with you company sending me a letter informing me of such, which means ANY contract we may have had is no longer valid, any rights, consent or permissible purpoes to furnish, disburse or collect ANY information regarding this account has been revoked and recinded. This is causing my reputation and credit report to suffer due to this inccorent unauthorized furnishing on my pubic record
Consumer complaint received 2024-06-26
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Re : Complaint Regarding XXXX XXXX XXXX, XXXX XXXX XXXX, and Credit Control , LLC Your Information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Subject of Complaint : Disputed Debt Collection Practices Violation of Fair Debt Collection Practices Act ( FDCPA ) Violation of Fair Credit Reporting Act ( FCRA ) Details of the Complaint : I am writing to formally file a complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, and Credit Control , LLC regarding their handling of a debt that I dispute. 

On XX/XX/year>, I received a letter from XXXX XXXX XXXX, indicating that after investigating my fraud claim, the account referenced in their communication would be closed and not sold, and they assured me that the tradeline would be deleted from the credit bureaus. 

However, I received a debt collection notice dated XX/XX/year>, from Credit Control , LLC, indicating that the account has been sold to them for collection. This is a direct contradiction to the information I received from XXXX XXXX XXXX. 

Despite my attempts to seek clarification and resolution, these companies have failed to provide adequate responses or validate the debt in question. Their actions have caused significant harm to my creditworthiness and have left me feeling misled and frustrated. 

The specific issues I am experiencing include : 1. Inconsistent Information : The contradictory statements regarding the status of the account from XXXX XXXX XXXX and the collection notice from Credit Control , LLC. 
2. Lack of Debt Validation : Credit Control , LLC has not provided verification of the debt as required by the FDCPA. 
3. Credit Reporting Issues : Negative information related to this account remains on my credit report, despite assurances of deletion from XXXX XXXX XXXX XXXX 
4. Potential Violations : I believe these companies are violating my rights under the FDCPA and FCRA by continuing to pursue collection efforts and reporting inaccuracies on my credit report. 

Resolution Sought : I request that the CFPB investigate these practices and help facilitate a resolution. I seek the following : Immediate cessation of collection efforts by Credit Control , LLC regarding this account. 
Verification of the debt from XXXX XXXX XXXX and Credit Control , LLC, including documentation of the chain of ownership. 
Correction or removal of any negative information related to this account from my credit report. 

I have attached copies of relevant correspondence with XXXX XXXX XXXX and Credit Control , LLC, along with my previous dispute letters for your review. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of these issues.
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/year> at XXXX I attempted to deposit {$1200.00} ( wedding gifts ) into a Truist ATM XXXX XXXXXXXX. The ATM displayed an error message and did not deposit or return the cash. It gave me a receipt and requested that I submit a claim, which I did immediately. After a month the claim was denied and no information was provided as to why. I was informed to submit another claim which the claim itself is under investigation. No information as to when this will be resolved or why it is under investigation in the first place has been provided.
Consumer complaint received 2024-09-21
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)

On the dates of XXXX, XXXX 2024 to XX/XX/year>, I was attending the XXXX music festival in XXXXXXXX XXXX  XXXX days following my return, on XX/XX/year>, I noticed a charge from a transportation company called XXXX XXXX XXXX located in XXXX XXXXXXXX XXXX in the amount of {$590.00}. I was working remotely from my home in XXXX XXXXXXXX XXXX when I discovered the charge and was surprised because I had not been in XXXX XXXX or XXXX  at all on the date of the charge, and the credit card had been in my possession for the entirety of my travel. Following my discovery, I decided to XXXX search the company. Following a the online search, I could not find a company called XXXX XXXX XXXX. However, I did find a " XXXX XXXX XXXX '', located in XXXXXXXX XXXX not too far from the XXXX area. I decided to call XXXX XXXX Transportation for which they were very friendly in helping to check their charges to see if the card had been used without my authorization. XXXX XXXX XXXX  advised that they had no record of a charge in the amount of {$590.00}, nor a charge with my name. It was then that I decided to file a fraud case wit Capital One. After filing the case, Capital One credited my account in the amount of the charge. I filed this case on XX/XX/year> ( although documents state XX/XX/year> ). The findings from the case were that the XXXX chip had been used and it was determined that, because the XXXX chip was used, I or someone else to my knowledge had benefitted from the transaction. Back to the music festival, my primary concern is that someone may have used scamming technology to swipe my card information to clone a credit card ( and XXXX chips are being cloned now too ). I find it very negligent to open and close a case in only a matter of few days ( including during a weekend for which the Capital One fraud office is closed ). I called Capital One back to determine what steps were taken during the investigation from which they did not provide information under the Banking Secrecy Act. I called a few times during the week they closed my case to no avail in getting the case re-opened. There are multiple complaints I have found online, including a class action case filed against Capital One for a lack of effort to investigate fraud cases filed out of the XXXX XXXX XXXX XXXX. I lean toward the fact that this may be a fake company using XXXX XXXX XXXX, a legitimate company, as a mask to legitimizing the transaction. Again, the card was in my possession ( including at the music festival ) between the dates of XX/XX/year> and the date of the transaction. I also have video evidence of my whereabouts on the date of the transaction at approximately XXXX XXXX.
Consumer complaint received 2024-09-18
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: PLANET HOME LENDING, LLC (MO)

I applied for a Covid Forbearance in XX/XX/2023 and it was approved. In XXXX XXXX XXXX The Forbearance was complete and I received a FHA partial claim to get back to current on my mortgage. Planet Home is reporting the Foreclosure status on my credit report instead of reporting only the status at the time of my application for the Covid Forbearance as outlined in the Care Act.

Mortgage company is reporting the delinquency up to the end of the forbearance up to the payment of the FHA partial claim ( XX/XX/2023 ) I have requested a dispute from all XXXX credit bureaus for it to be updated and the disputes came back unresolved and still showing delinquency status after XX/XX/2023 when I applied for the Cared Act Covid Forbearance.
Consumer complaint received 2024-08-14
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: OneMain Finance Corporation (TX)

While checking my most recent credit report via XXXX, I noticed credit inquires that I did not authorize, Made by the following companies : XXXX XXXXXXXX  on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX ONEMAIN on XX/XX/XXXX XXXX. XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2024-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (VA)

My husband sent me XXXX from brokerage on his XXXX account to my Wells Fargo account. After 5 business I called the local branch for them to tell me it can take up to 10 business days to receive. After 10 business days I called again for them to say it's under investigation. They said they sent the money back to my husband 's brokerage account. After 5 business days XXXX informed my husband they have no knowledge of a transfer incoming from Wells Fargo. I called Wells Fargo to get the wire transaction number to help XXXX track it down only to be refused and told its under investigation and that someone will call me back at a later date.
Consumer complaint received 2024-08-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: HYUNDAI CAPITAL AMERICA (GA)

We sent correspondence to Hyundai Capital America Inc. d/b/a Kia Motors Finance and they have not responded with pertinent information requested. Including certified mail item number : XXXX dated XX/XX/year> asking for validation. The company did not respond with that information.
Consumer complaint received 2021-08-23
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: Experian Information Solutions Inc. (MI)

I contacted all three credit bureaus such as Experian, XXXX, and XXXX XXXX in XXXX and XX/XX/XXXX regarding the account with XXXX XXXX XXXX was opened fraudulent. XXXX XXXX is reporting it with the collection agency XXXX XXXX XXXX, XXXX. I also sent a letter to the creditor and the collection agency explaining the situation with supporting documentation. Credit Bureaus are still reporting the accounts and the creditor still say the accounts belong to me. XXXX  XXXX XXXX ( XXXX ) XXXX {$1100.00}
Consumer complaint received 2024-08-15
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: FIFTH THIRD FINANCIAL CORPORATION (GA)

I do not or should not have an account with Fifth Third Bank, as I never signed or consented to a contract with any individual or representative from Fifth Third Bank. On or about XX/XX/year>, a notice to cease and desist all forms of communication and validation of debt was sent to XXXX XXXX at Fifth Third Bank. I received correspondence from certified mail that he/they received documents. However, he/they failed to respond to written notice, in which I also have a certificate of non response as proof. I also disputed this account with credit reporting agencies, requesting proof of who they could have spoken with in order to validate this debt for my own record and I never got a name or representative 's contact. Instead, I received a generic response and no correspondence with my written request. I am demanding that the charged off account be removed from my credit report immediately.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (NC)

On XX/XX/XXXX, I was alerted that I had a derogatory remark on my credit report from an Amsher Collections Agency, which I didn't recognize. When I called, they asked me for my social security number up front. They then told me to call another number. They would not answer further questions. I never received any prior communications from this company about any alleged debt I owed.
Consumer complaint received 2024-08-15
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (TX)

I took out a Title loan for repairs on my vehicle and paid interest totaling {$3400.00} for XXXX  months. I was laid off on XXXX and explained I couldn't keep making the high interest payments and I thought it was simple interest as per the person who initially had me sign the contract but none of the payments were applied towards the balance. The form they used is similar to auto finance form. the initial loan amount was {$3300.00}. In XXXX I had to pay {$640.00} to renew a new contract or they said my vehicle would be repoed. They said I could get a lower interest rate if I renew and nothing changed but they came out with a new contract for a XXXX month term and if I paid for 5 months the loan would be paid off. XXXX who helped with the new contract could not explain it to me on how it worked on XX/XX/year>. The did not apply any of my interest payments to the new contract terms that came out and this is unethical. My loan should have some kind of credit from previous payments from the old contract at minimum. I feel I was misled.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo opened 2 accounts without my knowledge and authorization. The accounts were a Wells Fargo XXXX Checking account ending in XXXX and Wells Fargo XXXX XXXX ending in XXXX. I learned of these accounts while filing a complaint for identity theft add-on products I did not authorize. I have been trying to get a resolution since XXXX of this year concerning the unauthorized opening of these accounts however have just been given the run around. I understand the CFPB has fined Wells Fargo their illegal practice of secretly opening unauthorized accounts. Unfortunately, Wells Fargo has engaged in unfair, deceptive, and abusive acts or practices. I have been affected by being charged wrongfully for overdraft fees, unauthorized add-on products & unauthorized opening of accounts. I work in privacy and compliance and know the importance of safeguarding consumer data. I also know the negative affect when a company refuses to protect consumers data. I have included the statements and unsigned application Wells Fargo provided to me the beginning of this year which proves negligence.