davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-02
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. (NC)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 2024-07-25
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. (FL)

Inaccurate late payment remarks XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-07-16
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: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to lead a normal life. 

The negative impact of these inaccuracies has 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 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 2024-09-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (NV)

There has been fraud transaction account since last month and it's still sitting there. Not sure why the company is giving me a hard time, does anyone else have an issues with the company regarding these issues? or anything type of issues?
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX XXXX  : XXXX XXXX  XXXX - XX/XX/year> :
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, this is so distressing, It's been months now that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

During XX/XX/XXXX I made a credit transfer from my XXXX XXXX Credit Card to pay off a Macy 's balance of {$1000.00} XX/XX/XXXX I received a call from Macy 's indicating they did not receive my payoff and I needed to pay {$120.00}. I paid the amount and closed out the Macy 's account. 
XX/XX/XXXX Macy 's started reporting me late so I disputed this with all three credit companies with a copy of the letter from XXXX XXXX that the amount of {$1000.00} was paid. 
As this is going on Macy 's kept my account open but increased my credit limit on a closed account. 
I reached out to Macy 's through there dispute information in XX/XX/XXXX. 
During this time Macy 's reported back the amount was correct and I owed the money. 
After repeatedly disputing the amount being paid off during XXXXXXXX XXXX XXXX, Macy 's agreed the account was closed by customer and applied my XX/XX/XXXX payment during the month of XX/XX/XXXX and credited me around {$35.00} credit for late fees. 
During the month of XX/XX/XXXX I was not report to the three credit bureaus as delinquent but they raised my credit limit on a closed account and stated I owe {$200.00} plus dollars. 
Today is XX/XX/XXXX and Macy 's has been reporting me again delinquent to all three credit bureaus since XX/XX/XXXX. My credit score is ruined I have proof of it.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

I am writing to formally request the removal of several old and inaccurate items from my credit report. This is my attempt to rectify this issue, and I am becoming increasingly frustrated by the lack of response and action on your part. It is crucial that these items be removed immediately to reflect my true credit standing. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or outdated information on my credit report. These accounts are either beyond the statute of limitations or contain erroneous information. Despite my previous attempts, these items remain uncorrected. I have included copies of my previous correspondence as well as supporting documentation to expedite the review process. Please help me conduct a thorough investigation of these items and provide me with written confirmation of their removal within 30 days. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$12000.00} XXXXXXXX XXXX  XXXX Balance : {$24000.00} XXXX XX/XX/2023.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Equifax logged me out and locked me out of my credit file after about XXXX minutes studying it. After that their system stated that I am not allowed to have access to my credit file because I already got one. When I called their XXXX number several times and each time I was transferred to a call center in the XXXX. They stated that they are not allowed to disclose their location then they proceeded asking me personal questions under the guise of " they must verify my identity ''. Equifax already has my social security number, my date of birth, my address and my telephone number BUT they wanted me to disclose my bank account information, my major credit card information, and a selfie of myself and a picture of my driver 's license. This is clearly XXXX XXXX. Equifax was able to verify me at first online through their portal but XXXX minutes later the system denied my access to my own credit file. Call center person stated that Equifax is a government agency. This is a fraud because Equifax is a privately owned corporation. I already filed a complaint with the XXXX, Georgia District Attorney, Georgia Attorney General and now with Consumer Financial Protection Bureau. This is an unacceptable practice and clearly data mining. Please get back to me as soon as possible with a resolution.
Consumer complaint received 2024-07-05
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 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 following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 that the information is inaccurate.

Please DELETE these inaccurate accounts and unauthorized inquiries in my credit report, and correct/update late payments on the accounts I was never late.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX WY XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX Balance : {$780.00} ; XXXX  XX/XX/2023.
Consumer complaint received 2024-09-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Innovate Managed Holdings, LLC (AZ)

I recently filed a complaint against this company for billing information mean incorrect they lied on the Response and now blocked me from all ways of making a payment Blocked me from the website keep me from making a payment and blocked me from logging into the website so I cant see any of my account information. Because they dont want me to pull anything up and show you that they lied. Which I have the proof I have no way to make my auto payment ..if I call sends me to generic recording.. I had to call from another phone number to get through to make my payment
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (SC)

I purchased a crocodile statue from XXXX on XX/XX/year> for {$1300.00}. It was delivered on XX/XX/year>. That day I called XXXX to inform them it was damaged. Within a week the XXXX party contacted me asking for pictures so they could file an insurance claim. They then started trying to push me into only accepting a {$300.00} credit and keeping the damaged product. I refused. Finally I contacted XXXX they said I could return it to the store but to throw away the pallet it came on. On XX/XX/year> I returned the item to the XXXX XXXX XXXX XXXX Mt XXXX store XXXX location. They told me I would receive my refund in XXXX days. Never came. Since then I have contacted XXXX, the XXXX XXXX and my bank Truist by filing a dispute yet I get nothing but a run around from each party.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. 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 2024-09-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

In XXXX, XXXX fraudulent checks were cashed. My ex-employee cashed their paycheck over and over again. On occasion they changed the check number using a pen and very obvious. I went into my local bank, the manager submitted the proper forms and copies of each check to Chase Bank fraud department. Nearly XXXX years later, Chase is still claiming that the claim is being processed. Today I talked to Chases fraud department supervisor XXXX. He informed me that Chase does not have any way to protect my accounts and that it is not their responsibility for making sure checks that are out of date or altered are not cashed! What no protection! He kept telling me the back office is working on my claim and needs more time. I said how much timehe stated that Chases policy is 60-90 days! I filed the claim XXXX XXXX. Way way more than 90 days! He finally said he was hanging up because he not anyone at Chase had the ability to help me nor could answer my questions. So much for customer service! I have been calling Chase Bank monthly since XX/XX/year>. They can not help nor protect their clients. I warn you to not do business with a bank who claims they have no protection plans and have no insurance to cover their clients!
Consumer complaint received 2024-09-07
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 (VA)

This is in reference to CFPB complaint numbers XXXX ( credit cards ) and XXXX ( auto loan ) that are now closed. On or about XX/XX/year>, I submitted a compliant to CFPB because two accounts were open in my name and listed on my XXXX credit report. I made several attempts at resolving the issued with the vendor Capital One and Capital One Finance ( through phone calls ) but was informed that no such information was listed with my information in their records. Therefore, I made the CFPB compliant ( see numbers XXXX ( credit cards ) and XXXX ( auto loan ) ) to resolve the issues and was also told that Capital One and Capital One Finance did not have any information or accounts opened with my name/personal information ( see your files for company response ). Today, I go to check my XXXX credit report and find that this information is listed on my XXXX report and now there is a third account listed. I have never authorized the opening of any accounts with Capital One or Capital One Finance or any of its affiliates. The three fraudulent accounts listed on my XXXX Credit report is as follows : Ending in XXXX Credit Card Account {$1800.00} balance ( cfpb # XXXX ). 
Ending in XXXX Credit Card Account $ XXXX credit limit {$0.00} balance. 
Ending in XXXX Capital One Auto Finance {$15000.00} balance ( cfpb # XXXX ). 
I am kindly asking for these accounts to be removed from my credit report. I have been a victim of identity theft, and the information listed on my credit report related to Capital One and Capital One Finance is fraudulent and erroneous. I have not authorized the opening of any Capital One Accounts. Ive enclosed portions of my XXXX credit report to assist you in removing this information. Thank you.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A. (AZ)

XXXX XXXX XXXX XXXX XXXX with PNC Financial. 
I transferred my XXXX XXXX from XXXX to PNC Bank. I was told the funds would go in to a much better XXXX XXXX retirement account XXXX money market fund. I have the paperwork that says XXXX ANNUITY. The 11 months passes and I noticed my XXXX had gone down instead of up. I call XXXX - he said oh you are great and set for life with this XXXX XXXX XXXX policy. I said this is not what I agreed to do with the XXXX XXXXXXXX. 
Long story short : XXXX said I can not take any money from this life insurance policy or I will receive a penalty of {$4900.00}. I have to leave the money in the life insurance policy for at lease 8 years. The maturity date is XXXX - I'm not kidding I have a copy of that date. I'll attatch if I can. 
At this point I just want my XXXXXXXX XXXX  money returned ( would be nice to get the 11 month annuity amount of {$57000.00} ) and something done about XXXX XXXX XXXX XXXX XXXX XXXX to unknown retired folks. There's no way I'll live to XXXX
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMO Bank, N.A. (CO)

On XX/XX/year>, I attempted to withdraw from a BMO ATM {$120.00} as follows : XXXX. The ATM dispensed XXXX, which is {$30.00}. I went inside the bank immediately. A bank representative confirmed that {$120.00} shows as withdrawn from my account through this ATM. A claim for the disputed amount of {$90.00} was filed. On XX/XX/year>, I received a letter notifying me that the disputed amount has been denied due to the following reason : the investigation of the ATM activity found no discrepancy with the withdrawal ( Dispute ID XXXX, Claim # XXXX ) ). As a result, this complaint has been filed.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (RI)

To : Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/year> Subject : Complaint Regarding Unresolved Dispute with Chase Bank Dear CFPB Team, I am writing to formally submit a complaint regarding Chase Banks handling of unauthorized transactions on my account. Since discovering these suspicious transactions, I have made multiple attempts to address the issue with Chase, but they have denied my requests without conducting a thorough investigation or providing a satisfactory resolution. 

During the time these transactions occurred, I have been in the United States and have not traveled abroad. This leads me to believe that these transactions were made without my authorization, likely due to identity theft or fraudulent activity. Although I have provided Chase with evidence, such as proof of my continuous presence in the U.S. and other supporting documents, the bank has refused to take further action.

To assist CFPB in understanding this issue, I have gathered all relevant transaction details, including dates, amounts, and merchant names. Additionally, I have kept records of all communications with Chase Bank, including phone calls, emails, and official correspondence. I have uploaded these documents for review and hope that CFPB will intervene to help resolve this matter. 

I chose Chase Bank because I believed they would protect the interests of their customers, but this experience has been disappointing. I respectfully request that CFPB reopens the investigation and ensures that the bank conducts a more thorough review to recover the funds lost due to these unauthorized transactions. 

Thank you for your attention to this matter. I appreciate CFPBs commitment to protecting consumer rights and look forward to your assistance in resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX Email : XXXX XXXX