davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
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 have already sent a letter to the Equifax bureau requesting the removal of the inaccurate personal information, accounts, and inquiries reporting on my credit file but the account and inquiry listed below are still reporting on my credit report and are violating Federal Law. Equifax Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and continues to report unconfirmed information. They should remove these accounts and inquiries completely from my Credit Report : 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 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been making requests to further investigate the accounts referenced in the attached letter for the last 5 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 
I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2023-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (FL)

I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681b - the permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete ALL late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX Attorney name XXXX XXXX
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (GA)

Approximately 90 days ago, I opened a personal checking account with Truist bank, using the promotional code XXXX. The promotion offered a {$400.00} bonus to customers who opened a new checking account and completed two direct deposits. I called Truist on XX/XX/23 to verify that the code was entered and that I would receive the bonus if I complied with the terms. A supervisor assured me that the promotion was applied to my account, and I had nothing to worry about. 

Based on this promotion and assurances, I maintained an account in compliance with the terms of the promotion. However, on XX/XX/23, I called Truist to find out the status of the account. The agent transferred me to a supervisor who informed me that the promotion was not applied to my account, and there was no way to get the promotion that was offered, despite me opening and maintaining an account in good faith. 

I believe that Truist 's failure to honor the promotion is a clear case of false advertising and is an unethical way for the bank to take advantage of its customers. I opened an account with the expectation of receiving a {$400.00} bonus, and Truist 's failure to honor the promotion is a breach of their agreement with me. 

I plan to escalate this matter to higher management within Truist and request a thorough investigation into the matter. I will also file a complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure that Truist is held accountable for its actions. Finally, I am considering closing my account with Truist and taking my business elsewhere if I feel that I can not trust the bank to honor its agreements.
Consumer complaint received 2024-08-04
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)

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX credit XXXX XXXX XXXX and Equifax credit XXXX agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX, XXXX XXXX in XX/XX/XXXX, and XXXX XXXX XXXX  XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the XXXX XXXX XXXX XXXX that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/XXXX, check # XXXX for {$670.00} payable to XXXX XXXX XXXX, was mailed for rent. A few months later, I discovered that the check was fraudulently endorsed between JPMorgan Chase, XXXX XXXX XXXX and XXXX XXXX. I began an investigation with Chase on XX/XX/XXXX. This continued into XXXX! 

After more than a year of calling Chase 's Customer Service Center seeking resolution, I was informed that XXXX XXXX was responsible. I then reported XXXX XXXX to the FDIC as they went bankrupt! My report was forwarded to the Consumer Financial Protection Bureau. XXXX XXXX  ( new owners ) then chose to respond to the CFPB as follows : The issue was between Chase Bank and my Landlord. ( See attached letter from XXXX ). 

More than one year later... 

Chase has never accepted responsibility for the fraud, instead giving me the run around for more than one year. I would like a resolution from JPMorgan Chase. I have banked with THEM for 34 years since XXXX. Yet, they refused to credit my account for the fraud, while they investigated. Instead, I paid that rent again, trying to avoid interest and additional charges, with the hope that my bank would " Do the Right Thing. '' Sadly... they have not! 

I am now out of {$670.00}, with Big Banks not taking responsibility for any of this fraud. I would like an explanation from Chase and a resolution. I have Call Notes and paperwork to support my claim and proof of my double-payment to Chase and the Landlord along will all paperwork submitted to the CFPB. 

Original CFPB complaint ID : XXXX. 

Thank you for your consideration of my new claim.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FC HoldCo LLC (MD)

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX XXXX XXXX Account number XXXX OPENED XX/XX/XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMEBER XXXX ... OPENED XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. I have also filed a complaint with the CFPB Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN # XXXX DATE OF BIRTH XX/XX/XXXX
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

By having the Capital One XXXX X card, I have {$300.00} annual travel credit for booking hotels through the Capital One XXXX portal. On XX/XX/XXXX, I used {$140.00} out of the {$300.00} credit to book a room ( screenshot of reservation email is attached ) for me and my family at XXXX  XXXX XXXX XXXX XXXX by XXXX XXXX ( XXXX XXXX XXXX, XXXX, NY ) for the stay from XX/XX/XXXX to XX/XX/XXXX. However, on XX/XX/XXXX ( the checking date ), my family and I arrived at the hotel and the staff told us that the hotel was permanently closed. We were surprised that nobody from Capital One XXXX informed or reallocated us in advance. 

On that day, my family with XXXX young children ( one was having a XXXX ) were driving for 6 hours and arrived at the hotel around XXXX. Everyone expected to check in and go to sleep because we needed to get up and drive to XXXX early the next morning. Because of the closed hotel and no advance notice, we had to find a hotel in an unfamiliar place. After a few hours we settled down at XXXX by XXXX XXXX, it was midnight. Everyone was exhausted. The XXXX kids were super frustrated. Then I called the Capital One credit card line and the XXXX department and spent more than one hour speaking to three different agents. I was asking them to refund me ( the {$140.00} travel credit ) and reimburse me for the expense ( receipt attached ) at XXXX by XXXX XXXX ( I was told because it was a last-minute room, the cost was {$190.00} ). However, none of the three agents wanted to help me with that. They just kicked me back and forth between the agent, supervisor, etc. 

I believe booking through the Capital One XXXX Portal is a binding contract. We were guaranteed to get a room upon arrival. The closed hotel ( and no advance notice ) brought my family huge trouble and ruined our whole trip. As a loyal Capital One customer, I'm asking for reasonable compensation.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, 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. (IL)

I've already had problems with Transunion and XXXX updating my name on my report after reporting me as my father for years. Now that they've recently done so they're giving me problems about removing inquiries that aren't mine or attached to any reporting tradeline of mine. I initially tried to have them removed which led to the discovery of them inaccurately reporting so I had to go back and forth about that in order to start the inquiry disputes. Now that I've done what I'm supposed to do on my end they're telling me to contact the original creditors ( which I've done ) and they're giving me backlash and the run around about the inaccurate inquiries.
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

My car insurance was with XXXX XXXX XXXX and I paid my annual XXXX  in full. They added {$540.00} and said that my son who is a XXXX XXXX XXXXn college  and does not live here any longer. I live in XXXX  now not in XXXX, he goes to school in XXXX  and stays at the address in XXXX. They put him on my car insurance without any notification. They asked me to send in information about him and he is an adult. I told him I did not have the information that they asked for they would need to contact him, he does not have a car. They proceeded to report me to the collection agency. The underwriter who I spoke to was very discriminatory. She had a very demeaning tone she would not listen to what I was telling her. I sent in school ID, the information that I could get because Im in another state and because, he is an adult and did not give me any information that I needed and he doesnt have the things that they asked for because hes a full-time student. This day is now placed on my credit by CCS. I dont have a contract with CCS . I dont know who this company is.
Consumer complaint received 2024-05-28
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: Wolf River Development Company (AL)

I took out the loan on line on XX/XX/XXXX, I was ensigning the documents with gentleman on the phone. The process was very quick, I only had to change my address on my bank account. 
The amount was XXXX. They put {$620.00} into my account on XX/XX/XXXX. On XX/XX/XXXX. They took out {$95.00}. I called them, because it had only been a week. They told me that I agreed to those terms. I told them that I could not afford that. And would have never taken it out if I had known. 
That would be {$400.00} a month and loan was only XXXX. 
They took out XXXX on following Monday. 
I called on third and told them I would not have money in bank for third Monday. I signed document to hold off one week. 
Now payments have increased to XXXX. 
The loan payoff would be XXXX plus at end of loan. They said I could pay off early without mentalities, However the XXXX plus that I have already paid them would not be included in the amount borrowed ( XXXX )
Consumer complaint received 2023-02-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: 3rd Generation, Inc. (NV)

Not at fault, they knew the first week. 70days {$0.00} My name is the only one on the title. My wife is on my insurance policy, full coverage {$300.00} a month. My wife was driving home from work, on XX/XX/XXXX. Another XXXX hit her. The man driving apologized, admitted fault and the officer at the scene also put full fault on the man that hit my wife. On the police report it says whos at fault. About 3 - 7 days in I called XXXX XXXX the 3rd party insurance. They told me my insurance is supposed to make me whole again, then get reimbursed when the case settles. So I called XXXX XXXX about the claim I put in the night it happened. They belittled me, by saying things like, well how would you know whos at fault, why would we pay that, stop calling us and let it play out, tell your wifes lawyer to help you, that car is not worth {$10000.00}, your claim is gon na be lost. What am I supposed to say. My car is a XXXX XXXX XXXX. She told me to call the place where my car is being stored, and give them permission to pick it up. Not knowing anything I did it. Now XXXX XXXX cant tell me where my car is. XXXX wanted to do an assessment to see the worth. How does a XXXX with 22inch rims come up missing. So now every call is them trying to give me XXXX for my car. They gave me a copy of their assessment, not one car cost XXXX, but Im supposed to except that, while being hung up on, and put on hold for long periods of time. So I get desperate like a month in, I except {$11000.00} and a claims check from a hit and run that happened months back of {$7700.00}. I figure when I get my claims check I can buy another car and Im able to pay off my loan. But to my surprise a week later my loan company let it slip out that they had my claims check had cashed it and wasnt going to put it toward my principal. I got so frustrated, I literally got sick. How can they do that, keep my money, meanwhile charging me fines and interest for late payments fees. Its 65 days past the accident and my insurance company hasnt given me a dime, or a phone call. I called every time. Its 70 days later and my total is {$0.00} I need help Im becoming depressed and desperate. My wife cant work cause she needs XXXX on her lower back.I really feel like its always gon na be this way. I have no voice, against these to companies I had to sign contracts with in order to drive away in my dream car. My insurance and loan company are ruining my life. LITERALLY
Consumer complaint received 2024-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CT)

The Debt Collection Company, Trans World Systems was trying to collect an alleged debt they stated that I owe from XXXX XXXX, in XXXX of 2023 for {$800.00} for a period of XXXX months, a utility that does not even service the area that I live in. TransWorld Sytems was served with a 30 day notice to Validate the debt via certified mail, and answer pertinent questions to factually Identify the debt as mine, but they have failed to do so statutorily, and are not in compliance with furnishing the information request within 30 days. They have negatively filed a collection account with the three credit bureaus and despite my consistent communication with them telephonically, and through the debt validation letter, they have refused to comply with my requests to validate the collection account and remove it according to the Fair Credit Reporting Act and the law governing this alleged transaction.
Consumer complaint received 2024-04-30
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. (NY)

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX  Employer - XXXX  XXXX  XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.