davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am writing to dispute the accuracy items on my credit report as it does not pertain to any transaction made by me. This information is the result of identity theft, and I request that it be promptly removed from my credit report to prevent further harm to my financial standing with respect to the FCRA 15 USC 1681 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 605B & Permissible purposes of consumer reports
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-26
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. (KY)

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 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 XXXX15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follow items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe is inaccurate. that the information This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately.
Consumer complaint received 2024-07-25
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. (MS)

I recently obtained a copy of my credit report and noticed that i have some hard inquiries that i did not authorize. 



XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

I made a proactive payment {$600.00} to my daughter 's student loan account with Mohela to reduce her balance. I made a payment on XX/XX/year> via Mohela website and the funds were withdrawn by Mohela on XX/XX/year>. Next month I wanted to make another payment and noticed that {$600.00} were never applied to her account. I called them, nobody was able to tell me what was going on. I emailed them and I uploaded bank statement with the date of withdrawal. Nobody ever reached out to me or responded to the email. I called every month to check on the money and was told they are filling out a form for the supervisor to review. Each time I call I wait on hold for over an hour, I asked to speak with supervisor and the issue has never been resolved. I was asked to email them bank statement again because they lost the uploaded one. This has been going on for over 6 months with nobody willing to look and resolve the issue.
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (CA)

From XX/XX/XXXX to XX/XX/XXXX several payments were made by way of negotiable instruments payable in U.S. Dollars per the credit card agreement ( contract ) held with Navy Federal. Navy Federal in multiple ways violated the federal regulations and provisions under the Uniform Commercial Code. These violations have caused significant financial harm and distress. The specific violations are detailed below : 1. Regulation z ( 12 CFR 1023.13 ) -Navy Federal has failed to adhere to the requirements outline in Regulation Z, which mandates the correct handling of billing error disputes. Despite my repeated attempts to resolve billing inaccuracies, Navy Federal has not complied with the prescribed procedures. 

2. 12 CFR 1026.13 ( d ) ( 1 ) -- There has been a failure to provide a proper and timely resolution of my billing error disputes as required by this regulation. The company has either ignored or inadequately responded to my written disputes. 

3. 12 CFR 1026.13 ( a ) : Navy Federal has neglected to send the required acknowledgment of receipt of my billing error notice within the stipulated time frame. This non-compliance has left me without confirmation or clarity regarding the status of my disputes. 

4. 12 CFR 1026.9 ( c ) : Navy Federal has not provided necessary disclosures related to changes in the terms of my account, which has led to unexpected charges and alterations in my credit agreement without proper notification. 

5. 12 CFR 1023.10 ( d ) : Navy Federal has failed to maintain accurate records and has not furnished accurate and complete information to consumer reporting agencies, causing severe damage to my credit report and score. 

6. 12 CFR 229 et seq : There have been significant delays and errors in the processing of my payments, violating the provisions under Regulation CC which governs the availability of funds and check collection. 

7. UCC 3-603 et seq : Navy Federal has not followed the proper procedures regarding the discharge of obligation by tender of payment, causing undue continuation of my liabilities despite my compliance with payment terms. 

8. UCC Article 4-401 : Navy Federal has wrongfully charged my account, debiting amounts without proper authorization and failing to return these funds upon notification of the error.
Consumer complaint received 2024-07-25
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please see activity that is unauthorized. 
Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of closed accounts on my credit report and inaccurate information on my account. This information is and not mines and need to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus.

Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 
XXXX XXXX XXXX : XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX + All Banks XXXX & XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX EQUIFAX XXXX : XXXX XXXX, XXXX + XXXX & XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
( XXXX ) XXXX EQUIFAX XXXX : XXXX XXXX, XXXX + XXXX XXXX : XXXX XXXX, XXXX + XXXXXXXX XXXX XXXX  XXXX. 
( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Television & Radio EQUIFAX XXXX : XXXX XXXX, XXXX + XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX + Television & Radio XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed Thanks in Advance
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

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 XXXX-Debt 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 informatin requested from the list of acceptable itms 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 ).
Consumer complaint received 2024-10-03
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX I am writing because I have tried working with XXXX on the fraud Inquires that are on my credit report. I have Not applied to any of the following companies, nor have I allowed anyone to apply to them. The Inquires listed are NOT a matter of fact and must be removed from my credit report under the Fair Credit Reporting Act. I have requested that they remove them, and they have not done so. I am asking that they follow the law or be fine and I will also file a lawsuit with the Illinois supreme court. 

XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> To have them comply with the Fair Credit Reporting Act and the Federal Trade Commission
Consumer complaint received 2024-10-03
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 sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2024-10-03
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. (MI)

recently review a copy of my credit report and noticed that incorrect accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit Account Name 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 2024-07-24
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (IN)

Consumer Financial Protection Bureau Subject : Request to remove incorrect charges from Synchrony Bank for returned items I am writing this letter to request removal of incorrect charges against me from Synchrony Bank, for items that have been returned to the store already. On XX/XX/XXXX, I made a purchase worth {$7300.00} from Ashley Furniture located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and used the in-store financing option from Synchrony Bank to finance the same ( See attachment # XXXX for invoice ). However, the store delivered the items in the wrong XXXX. On XX/XX/XXXX, I visited the store to request correction of their mistake, and the store agreed to deliver the correct item and pick up the incorrect items. The store delivered the correct items on XX/XX/XXXX, and picked up the incorrect items ( See attachment # XXXX ). 
This is where the problem starts. My XX/XX/XXXX statement showed a balance of $ XXXX, since Synchrony had added two charges for the same items. I visited the store again, and they ( XXXX XXXX XXXX, see attachment # XXXX ) confirmed that this was a mistake on their end and they had incorrectly charged me twice. He confirmed that the issue was resolved and I should get a refund applied to my account. I was not happy with the experience or the hassle, and I requested everything to be returned. The store processed the return and I returned one of the items - Couch on XX/XX/XXXX, and the remaining item - Coffee table on XX/XX/XXXX ( See attachment # XXXX for multiple visits and complaints in store ). 
At this point, I had returned all items back to the store, but I still keep receiving bills from Synchrony. I called Synchrony Bank multiple times and have asked for help from the store, but with no success. Instead, the charges keep piling up on my account. 

I request your help to get these charges removed from my account, as I have returned all furniture pieces delivered by Ashley Furniture. 

Regards, 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 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (PA)

I have been with TD bank for quite awhile now, i have recognized some unknown fraudulent charges and disputed it immediately. TD bank had then gave me a partial credit and froze my account. Stating I had to go into the branch to confirm my identity, I then visited the branch confirming my identity and at that time my account still was remained locked and TD stated due to the fraudulent charges they wanted to close my account but still have yet provided me my funds and its been almost a month. TD bank is unlawfully holding my money without Rule of good cause or providing me with information why my funds are being held after telling me I could go into the branch to retrieve them
Consumer complaint received 2024-07-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello, I recently were affected by hurricane beryl. I was without power for 6 days, my job has been affected as well. We are closed until damages are repaired. I thought that I would have been approved for XXXX assistance by now and could have gotten caught up on bills however my application is still pending. I am in need of assistance to push 2 of my loan payments back. Ive tried to reach out to Capitol one auto directly and spoke with 2 different departments that told me they are unable to help due to this being a new loan but they stated they do not have an extension options for me at this time. Ive reached out via online on XX/XX/year>, which prompted me to call and speak with someone directly. I called via phone twice on XX/XX/year> and have spoken to 3 different representatives that explained the same thing. I understand this is a new loan but natural disaster are out of the control of people and companies should provide options for thier consumers no matter the length of thier agreement.
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/year> a call came from XXXX, Bank of America 's customer service number. They asked to verify some XXXX transactions to confirm we made them as they said our account may have been compromised. We verified XXXX transactions and then they asked about a XXXX transaction in the amount of {$2500.00}. We answered we did not make that transfer. They then texted verification codes and instructed us to transfer money out in order to protect us. Because they posed as a bank of America employee and texted verifcation codes we had no reason to believe it was a scam. This has never happened to us before. We have submitted this claim with Bank of America and have been denied for fraud and denied twice for a scam. The bank has told us that we have no recourse with them and to file a police report. They explained eventhough their system was compromised they are not responsible for this loss and we are not protected for reimbursement. We have been customers for 14 years and feel our finances are very unprotected.
Consumer complaint received 2020-01-08
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: AMERICAN EXPRESS COMPANY (OR)

I have 3 {$30.00} charges for a medical bill I was paying ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). It took some time but I was able to be approved for financial assistance, which includes refunds of amounts that have been paid. The hospital that is to issue the refunds is not responding to my requests. In order to preserve my billing dispute rights, I sent a letter via postal mail with all backup information to American Express on XX/XX/2019 I tried to initiate the billing dispute online and was not able. I received a message online that I did not provide enough information for a billing dispute. I sent the information again, with more detailed explanations, on XX/XX/2019, again in postal mail with delivery confirmation. I have received a message that I have not provided information to initiate a billing dispute. 

As American Express will not open a billing dispute, I am not able to move forward. Whether or not American Express agrees with the information I sent, the FCRA requires them to do the billing dispute and then we can fight about whether it's sufficient. So far, American Express will not open a billing dispute, upon my request with backup information. 

I have attached the letters I've sent to American Express, and their last response. I included the backup information of statements, bills, payments, financial assistance letter with the letters to American Express. I did not include the backup information, as I am agreeing to this information being made public.
Consumer complaint received 2024-07-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was notified by XXXX that there was a credit request on XX/XX/year>. It was from Bank of America. I did not apply, give authorization or have an account with Bank of America. I put in a dispute with XXXX. 

XXXX directed me to put in complaint with FTC.gov and call Bank of America. The FTC.gov website directed to to file complaint with consumerfinance.gov. Bank of America removed the credit report request. Bank of America will be mailing letter stating they removed credit report request.
Consumer complaint received 2024-07-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (FL)

I have been asking Mohela for several months to be out of forbearance, which seems to have been initiated from enrolling in the XXXX plan ( I've been asking this question and no one would give me an answer ). This is preventing me from re-qualifying for the XXXX plan, which I was previously on for several years. I'm about half way through. All my loans are federal and I've been working for qualifying local governments over the past XXXX years. I recently re-certified ALL of employment for XXXX. 

I want off of the XXXX plan. I want out of forbearance. I have been making monthly payments. 

There does not appear to be any way to un-enroll myself from the XXXX plan or get myself out of forbearance on either Mohela 's website of the Federal Student Aid website. 

Please help!
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (VT)

I opened a dispute with Experian in early XXXX. In order to complete the dispute, I needed to create an online account. There was no indication on the page that I was signing up for a paid account. However, on XX/XX/year>, Experian charged my credit card {$24.00} for a " monthly membership subscription '' for which I did not sign up. I immediately sent a message through their customer service disputing the charge. I will dispute the charge with my credit card company if and when it posts to my account. I never signed up for a monthly subscription. The only button I clicked on the Experian website was to create my account, and only so that I could receive my free credit report. I am not sure if CFBP has jurisdiction to get my money back but I wanted to report that this company for this conduct.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX, an unauthorized withdrawal was made from my TD Bank checking account of {$900.00}. On the same day I went to a TD Bank branch to ask about what this transaction was about and how it was made without my knowledge. The manager of the TD Bank told me that someone with my Driver License ID was able to withdraw the money even though they didn't have my bank card. I proceeded to freeze all of my accounts and lock my cards. 
Soon after on the evening of XX/XX/XXXX, I received another call from TD Bank that said the perpetrator that had stolen my identity attempted to withdraw more money from my Checking account from a different branch. Seeing as how my account was already flagged for potential fraud they withheld the ID that the perpetrator used. They told me that the person somehow had a real copy of Driver License card. It seems that my identity was compromised, but I was shocked at how relaxed the verification process at TD Bank was.