davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (PA)

On or about the XXXX of XXXX, I submitted an application for a Lowes credit card. They wanted to verify myself via a text message. Told them I do not have access to a cell phone, I only have a landline. I requested they sent the verification code to my email address. They stated they could not do that, so that stopped the process. I went to the local LOWES store couple days later to apply thru the store .Which I did. Today I received a denial letter from Synchrony Bank, stating reason for denial was " Prior application submitted too recently '' I presume they are reference the one I could not verify via a text message. My credit is stellar, and information on my credit cards show no missed payments, no late payments, nothing on my credit report that is negative in any manner. As my date of birth is XX/XX/year>, age XXXX XXXX XXXX, THIS IS, IN MY OPINION THE REASON THEY TURNED ME DOWN. I have always paid my bills, my records state as much. If they are using a credit report to approve or disapprove a credit card, my application should be approved.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX - XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

unfortunately, l am a victim of XXXX XXXX XXXXXXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed atter I supply proof of who l am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The XXXX accounts listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that XXXX provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents.
Consumer complaint received 2024-07-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX we finalized an equity loan with XXXX XXXX XXXX which included paying off several loans and credit cards. On My XXXX, Wells Fargo marked our installment loan as paid in full. A few weeks later we received a check in the mail for the overage of the payoff and loan amount. Today ( XX/XX/XXXX ), I received a call from the collections department at Wells Fargo stating my installment loan was XXXX  days passed due. I explained this was impossible because the loan was paid in full in XXXX. I was informed that the system couldn't provide any information other than that the funds were not valid and now the loan was passed due. I asked repeatedly how it was possible for a loan to be paid in-full and a refund issued if the funds were not valid. The representative told me that there were many reasons for this but he couldn't see what specific reason it had happened because it involved a third party ( XXXX ) paying. I requested a supervisor and was told no one was available and someone would call me back. I also called XXXX and was told they had to open a ticket with accounting to find out more information. The Wells Fargo representative said the loan was reinstated 3 days ago but because the last payment was received in XXXX my account is XXXX days passed due. He also had the audacity to ask for a payment today to bring the account current. Before hanging up, he said this was not my fault but happened sometimes and the system just didn't give them information. This is beyond insane that an account that was paid in full could suddenly ( XXXX XXXX DAYS LATER ) no longer be paid in full. Also Wells Fargo provided XXXX paper documents explaining this. No emails. No letters in the mail. Just a random phone call for collection.
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am writing to express my concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address these disputed accounts, I have yet to see any resolution or corrective action. These errors are significantly damaging my credit file and adversely affecting my life. 

The inaccuracies in my credit report are causing immense hardships, and I am pleading for your immediate assistance in rectifying this situation. I kindly request a thorough investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I 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 2024-07-26
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. (MD)

I have filed a complaint many times regarding the negative accounts on my credit report. I want these negative accounts removed and the responsible parties held accountable. I want them to be fined due to the impact of inaccurate reporting on my credit report. If nothing happens with this complaint, I will file a lawsuit against them
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. (TX)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-07-26
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. (CA)

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA. I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
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. (MD)

This morning, I discovered unauthorized inquiries on my credit report, and Im baffled as to why. I reviewed my credit report as usual, but this time, unexpected discrepancies appeared. I tried refreshing my browser to see if it was a glitch, but the unauthorized inquiries remained. Due to this issue, I request that the documents I sent be thoroughly examined to ensure I won't have to worry about this again.
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: EQUIFAX, INC. (PA)

When I reviewed my credit report this morning, I found some erroneous accounts and have no idea how they appeared. I routinely check my credit report, but this time, there were unexpected inconsistencies. I refreshed my browser, hoping it was a technical error, but the inaccuracies persisted. Because of this problem, I am asking for a thorough review of the documents I have sent to ensure this doesn't happen again.
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: EQUIFAX, INC. (NY)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

To whom it may concern, Re : Urgent Request for CFPB Intervention Non-Compliance of Equifax with FCRA Mandated Timeframe I am writing to urgently request the Consumer Financial Protection Bureaus ( CFPB ) intervention regarding Equifaxs non-compliance with the Fair Credit Reporting Act ( FCRA ). My dispute, submitted on XX/XX/year>, was inadequately handled and responded to by Equifax on XX/XX/year>, significantly exceeding the 30-day investigation and response requirement stipulated by FCRA 611 ( a ) ( 1 ) ( A ).

Violations Identified : 1. FCRA 611 ( a ) ( 1 ) ( A ) : Equifax failed to investigate and respond within the required 30-day period, taking 38 days instead.

2. FCRA 623 ( a ) ( 1 ) ( A ) : Inaccurate reporting of the charge-off status for multiple months, misrepresenting the accounts status.

3. FCRA 611 ( a ) ( 5 ) ( A ) : Re-reporting previously disputed information without proper certification of its completeness and accuracy.

4. FCRA 611 ( a ) ( 5 ) ( B ) : Failure to mark the account as disputed as required by law. 

Immediate Actions Requested : Enforce the deletion of the XXXX XXXX  account ( Account Number : XXXX ) from my credit report and all other credit reporting agencies due to XXXX clear non-compliance with FCRA. 
Ensure Equifax is held accountable for violating FCRA regulations and my consumer rights. 
Award monetary relief and damages for the financial hardships and distress caused by XXXX erroneous reporting and failure to comply with FCRA regulations. 
Oversee the removal process and provide verification and proof of the accounts deletion to my email ( XXXX ). 
Adjust and correct my credit score post-removal to prevent any negative impact resulting from the duration the erroneous account was reported. 

Despite my multiple attempts to resolve these issues directly with Equifax, their ongoing violations of FCRA have left me with severe financial and emotional distress. It is imperative that the CFPB steps in to rectify these injustices and ensure that Equifax adheres to FCRA laws and regulations. 

Thank you for your prompt attention to this critical matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one bank closed my account and did not give me a reason. All of my funds that I use to feed my child, pay my rent, and take care of my house hold are all in my checking account. Ive had my bank for over 6 years they closed my account without warning or reasoning. I just want my money back as soon as possible. I was given no date or time when a check would be issued. When I call in they tell me they dont have any information for me. Just that my account is under review. Ive read on other places this can take 2 years. I have all of my money in the bank
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

A friend who lives in the XXXX XXXX contacted me to receive a XXXX payment for him, and he told me its for business. I replied, No problem. 
Here 's how you could translate that : " But I don't know who the person sending the money is. I received the money and transferred it to my friend in the XXXX XXXX ; it was a total of XXXX XXXX. Two days later, I received an email from Capital One saying that they have put a restriction on my account because of this transaction " And then they gave me a number to call. I called to explain the situation, and they told me to come to a branch, which I did today, XX/XX/2024. They gave me a bank statement to take to the police, which I did. '' Heres how you could translate that : " And the police told me that I can't file a report or press charges because it was the person who sent the money, and I didn't lose anything. I called the department, and they told me that my account is under investigation. I went back to the bank to withdraw money and sort this out, but they told me that after an internal decision, they decided to terminate all relations with me and that my accounts are closed. I asked them to get my money, but they categorically refused, telling me I have to wait for the investigation. Now, I can't access my money, eat, or drink since Capital One is holding my money. I also told them everything I knew and what I did with the police, with evidence to back it up. ''
Consumer complaint received 2024-08-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY (OR)

We received a check in the mail from the XXXX XXXX, stating that the check pertained to our former mortgage accoiunt XXXX. However, we received no further details of what exactly the check was remediating. We need exact details in order to decide if we need to file an additional remediation claim.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Transunion is disregarding legal statute. They claim to have somehow validated a 3rd Party Debt Collector claim. Therefore, I requested answers to the following questions : What certified documents were reviewed to conclude your investigation? Provide me with a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA i.e. Who did you speak with? What was the date? How long was the conversation? What was their position? What number did you call? What is the name of your employee that spoke directly to the alleged creditor, or in this case, the entity acting as a 3rd Party Debt Collector? What is the position of your employee that spoke to the creditor? To date they have not responded to this request.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX XXXX XXXX XXXX reported that my account is past due with a balance owing of XXXX and charged off and in collections. XXXX XXXX XXXX is in violation of the bankruptcy code and should not be reporting negative information to my report. This has adversely affected my credit score that has improved since my current bankruptcy filing. My bankruptcy is current and still open. This information has been reported on Transunion credit bureau. This information is not reported on XXXX and XXXX as of todays date XX/XX/XXXX. XXXX XXXX XXXX has been notified of my bankruptcy since XXXX of XXXX and have reported this as XXXX balance until XX/XX/XXXX. Nothing have changed with my bankruptcy so Im not understanding why would XXXX XXXX XXXX change the status of my credit report removing the bankruptcy status. This is an intentional violation.
Consumer complaint received 2024-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Transunion is still reporting 3 accounts that are in my ID theft report, these 3 accounts are fraudulently open and they have to delete from my credit report, the accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
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. (TX)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is XXXX. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

Good morning. 
Yesterday, Sunday, XX/XX/XXXX, I opened an account online, at Fifth Third Bank ( Routing : XXXX Account Number : XXXX ). Today, Monday morning, I personally went to that bank, because I tried to access my account to transfer money from my other account at XXXX XXXX, as well as set this account for Direct Deposit from my work, and Fifth Third Bank He has informed me that I will not be able to open accounts at that financial institution, EVER AGAIN, because in XX/XX/XXXX I opened an account and that is false. I have contacted the XXXX Police ( XXXX  ) because it seems that I am being a victim of fraud, because I have never opened a bank account at Fifth Third Bank, ever. 
I want to know why I am being denied the right to open a bank account at Fifth Third Bank? 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fifth Third Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I want to access the account I opened yesterday, Sunday XX/XX/XXXX, at Fifth Third Bank.