davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

The information is incorrect I had never filed for bankruptcy. 

FCRA Section 623 CUSHMAN, v. TRANSUNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C No 95-cv-01743 ). 

Defamation, willful injury Extent of damages incurred by the wronged party, as deemed by the courts. 

This following information reporting on the 3 CREDIT BUREAUS do not belong to me : Account name : XXXX, alleged account No : XXXX allegedly opened on XX/XX/XXXX with an alleged balance of {$1200.00}. 

This information reporting on EQUIFAX does not belong to me : Account name : UNKNOWN, alleged account No : XXXX**** allegedly opened on XX/XX/XXXX with an alleged balance of {$140.00}.
Consumer complaint received 2019-03-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (OH)

SANTANDER CONSUMER USA is reporting a negative remark on my credit report for a vehicle that was voluntarily surrendered and closed account for the amount of {$20000.00}. 

The account was opened XX/XX/XXXX and closed XX/XX/XXXX - but the last payment was made on XX/XX/XXXX. The dates are completely mixed up as well. 

The reason for the request to the lender to pick the car up was because of a broken promise on the dealership and lenders end. It was agreed upon at the time of purchase that any issues concerning the mechanics of the vehicle would be fixed and addressed by the dealership and almost after 1+ years the the issues were still never fixed.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXXXXXX 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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
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. (WI)

According to my research about FCRA 605, XXXX and TransUnion Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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
Consumer complaint received 2024-06-01
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital Ones charged us Interest by applying part of our payment to the next promotional offer. the charge was XXXX. My wife and I called, and they would only agree to refund {$50.00}. I could tell that it was a scam and they were trained to not let it go any further. We tried to escalate it but he said there was no one to escalate it to. It is clear they are not interested in fair business practices.
Consumer complaint received 2024-06-01
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Concord Servicing Corporation (OH)

Subject : Formal Complaint Against EQUIANT FINANCIAL SERVICES for Violations of Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against EQUIANT FINANCIAL SERVICES for multiple violations of my consumer rights under federal law. Below are the specific issues and corresponding legal references regarding EQUIANT FINANCIAL SERVICES ' unlawful actions : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) : EQUIANT FINANCIAL SERVICES has placed a collection account on my consumer report without providing the necessary validation information as required by law. This failure to provide validation information impedes my ability to verify the legitimacy of the debt and constitutes a clear violation of my consumer rights. 



2. Denial of Dispute Rights ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of opportunity to dispute the account violates my right to challenge and verify any alleged debt. 



XXXX. False, Misleading, and Deceptive Practices : EQUIANT FINANCIAL SERVICES has employed false, misleading, and deceptive means in their collection practices. They have misrepresented the status and validity of the alleged debt on my consumer report, which constitutes a violation of my consumer rights. 



4. Unauthorized Furnishing of Account Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : EQUIANT FINANCIAL SERVICES has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures by law. Their actions are in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 



Given these violations, I am formally disputing any and all debts claimed by EQUIANT FINANCIAL SERVICES. Additionally, I am exercising my right to revoke all communication permissions, including email, text, and phone calls. 



In my previous correspondence with EQUIANT FINANCIAL SERVICES, I have requested the following without receiving any satisfactory response : 1. Debt validation. 

2. The purchase agreement between EQUIANT FINANCIAL SERVICES and the original creditor. 

XXXX. Proof that EQUIANT FINANCIAL SERVICES is licensed and bonded. 



I respectfully request that the Consumer Financial Protection Bureau take immediate action to investigate these violations and ensure that EQUIANT FINANCIAL SERVICES complies with all applicable laws and regulations. Furthermore, I request proof of mail receipt for my records. 



Thank you for your attention to this matter. Please contact me if you require any additional information. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-07-08
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Capitol one credit card show past due, on my report 2 year payment history shows on time payment account # XXXX, XXXX XXXX account reporting incorrect balances account # XXXX, XXXX XXXX XXXX reporting balance {$2600.00} and a date of account start date off by 2 years, XXXX is asking for money I received during covid, the date I rented at XXXX was from XXXX XXXX the account date with XXXX on my report is reflecting XX/XX/XXXX.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (CT)

My Sofi account had been restricted on XX/XX/XXXX, I had called multiple times and no reasons were given for restriction. Called today, XX/XX/XXXX spoke to a security member and was told my account was in process of closure and that my money would be sent to the originator, which they could not tell me where that is. When asked to speak to a supervisor I was told no one could be able to help me out and that I should call back later on. This account has all my money in it and the security member pretty much had told me I would lose it all. I am confused as to whats going on because of the fact I am in the dark about what is going on with my money
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX  in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
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 (LA)

I am writing to file a formal complaint against Capital One regarding their refusal to resolve a chargeback dispute for a transaction listed as " XXXX XXXX '' in my credit card statements. 

Despite Capital One 's claims that they requested additional information from me regarding the dispute, I have never received any such request. The only correspondence I received from them was a letter stating that the dispute process had been initiated. I promptly provided Capital One with the contact information of the involved parties, expecting them to gather more information and resolve the issue. Unfortunately, they failed to contact the parties and are now stating that I must contact the merchant myself. 

I contacted the merchant months ago, and they falsely informed Capital One that they never received a refund request. I have concrete evidence proving that the refund request was indeed made and provided this evidence to Capital One. Despite this, Capital One has refused to honor the refund. Furthermore, the merchant has been persistently harassing me and attempting to charge my credit card illegally, even though I informed them that a refund was issued to me. 

The negligence and lack of effort from Capital One in handling this dispute are unacceptable. Their failure to communicate and act on the provided information has caused me significant distress and inconvenience. 

I request the CFPB 's intervention to ensure that Capital One properly investigates and resolves this dispute. I expect Capital One to honor the refund and take appropriate actions against the merchant for their deceptive practices and harassment. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX M Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one bank sent in a XXXX day delinquency on my closed acct. Never was notified that there was a balance & was still pending? This was billed to my credit acct. From XXXX to Capital one which I never authorized. I closed acct. because I caught this error last year that there were charges I never signed up for, then I spoke to an agent with Capital one and was informed that it was being removed and closed in XXXX of XXXX ' yet this happens? Capital one will send in cleated or paid off, but fact bureaus will see it as a debt paid but still mark is on record for something I had no part of? Furthermore, my exceptional score is damaged to good from a XXXX to XXXX? Not acceptable " I have been never late '' thru over XXXX plus years & they do this to me? I am livid '' Need to be revised I should not have to carry this for 7 years '' (? If you check my acct. You will see closed XXXX balance then next month a XXXX $ balance how's that possible on a closed acct.?
Consumer complaint received 2024-06-03
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 (IL)

I previously submitted several disputes with XXXX regarding a business credit being reported on my personal credit profile. After investigations, I received responses indicating that XXXX refused to remove the inquiries from my credit file. I am writing this letter to formally request the original documentation from the respective creditors that demonstrates my explicit permission for these credit card accounts. I believe it is essential for me to receive this documentation, as it is my right to verify the legitimacy of these accounts. 

Without this proof of authorization, I insist that these accounts be promptly removed from my personal credit report. However, XXXX consistently refuses to remove them and provide me with documentation from the creditor. I did not apply for these credit cards, nor did I benefit from them. I did not authorize anyone at the business to apply for a credit card in my name, nor did I sign any credit card agreement. I no longer work for the company and am asking that the creditor provide proof that authorization was given by me to open these accounts in question. They are violating my rights. 

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) - Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall 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 reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

XXXX I had discovered I had theft/violanted on my checking-saving accounts.The total amount was XXXXThe same day I notified Wells Fargo claims XXXXwho documented claims.The claims XXXX advised me to close XXXX Went to wells fargo spoke to XXXX XXXX closed accounts.I said what about XXXX XXXX XXXX told it would be fine. XXXX fraud on my XXXX Called fraud dept. letters from Wells Fargo stating the transactions were from an online secure session by me or someone that had my authority.I have never used XXXX nor did i give authority.Since XXXX until XXXX have been denied. It amazes me that when i was back in the bank on XXXX i wanted my XXXX  removed I was told that it couldnt be by XXXX and XXXX but they could secure XXXX I received a letter from XXXX denied again but As of current im enrolled. I did not request XXXXThey want proof how am I suppose to provide proof when info was stolen.WFXXXX make money by not returning funds. XXXX is not secure as the world is finding out. I was sent a letter that WF is offered me a meteor I have not heated from. I have contacted the FTC, CFPB, XXXX, Governor, FBI, and local media. As of XX/XX/year> my funds are not recovered.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to address discrepancies in my credit file. Despite consistently making payments, an inadvertent missed partial payment caused my credit report to reflect as 'late ' from XXXX to XX/XX/2023. This error is hindering my ability to refinance my house and alleviate financial strain. Attached is documentation illustrating a partial payment of {$1200.00} on XX/XX/XXXX, followed by full payments in XXXX XXXX. The confusion arose when I made a full payment on XX/XX/XXXX yet received a late notification from XXXX XXXX dated XX/XX/XXXX, indicating a payment was overdue. Assuming the notice was issued post-payment, I proceeded with subsequent payments from XXXX and XXXX made over the telephone with a XXXX XXXX representative. At no time during the payments made over the telephone did a XXXX XXXX representative alert me to the missing partial payment. The issue only came to my attention in XX/XX/2023 when I made a payment over the telephone, the XXXX XXXX representative finally made me aware of my delinquent account. Throughout this period, my XXXX XXXX profile showed an 'unapplied principal ' of {$1200.00}, which I mistakenly interpreted as part of the loan balance, rather than an indicator of a missed payment. I had no idea that an unapplied balance meant there was a missing payment. I was assuming if it were late, the notice would outline Late, unpaid, or overdue. I even googled unapplied principle which read The Unpaid Principal Balance ( UPB ) refers to the amount of principal on a loan that has yet to be paid off. It does not include interest or any other fees that may be associated with the loan ; it only reflects the remaining balance of the amount originally borrowed. Even with a XXXX in XXXX, that read to me as if its just part of the loan. To date I have been struggling to make up the missed payment on my tight budget. I finally took out a loan from my XXXX XXXX XXXX to make a {$5000.00} payment and bring my mortgage current. I am requesting that the late payments are removed from my credit report. Furthermore, I request that XXXX XXXX  revise their late notification protocols to ensure the customer is aware of their delinquency and preventing similar occurrences. Enclosed is documentation supporting my request.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , has violated my rights.

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 an 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.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NJ)

Our business has been locked out of our business checking account for about 10 days and after such days a new password in the mail was mailed out to us. After receiving the new password, We placed the new password in and we were able to regain access to our online banking account..we were then prompted to input new security answers in which we completed. Phone number and site were connected..account completed. Great We logged back into our account with the same password to change it to our own password and after sending a code to our phone the code was accepted and the password was changed to our own password.. we next log out and then back in with our newly established password and again our account was locked out and all online services suspended due to too many attempts on password but speaking with the rep we were told the security questions were cleared not something we have the ability to do..and that we have to wait for yet another password to be sent to us in the mail..
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (VA)

I deposited XXXX fraudulent checks that I had no knowledge of them being bad. One for {$XXXX} on XX/XX/year> and one for {$XXXX} on XX/XX/year> I had no knowledge the checks were fraudulent when I made the deposit. XXXX Bank was made whole on the check for {$XXXX}. They closed my account as being fraudulent and confiscated my funds of approximately {$XXXX} and would not release them to me even though they were made whole on the {$XXXX} check