davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (PA)

1099-c and had documentation to collect money from money owed from a company through court order and wells fargo refused to open the dispute back up in order to receive my from company to repay remaining balancE off
Consumer complaint received 2024-02-01
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

No changes were taken. I have already informed them that i am a victim of identity theft. I explained to them that i have never disputed the account as never late and therefore they need to make that investigation. I have always disputed that account as identity theft asking for reinvestigation and sending me results and artifacts but they are not following the law and proper procedures such as verifying wet signatures or deleting the account within 4 business days of receiving the paper work.
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to address a critical issue regarding fraudulent accounts on my credit report, specifically related to the following accounts XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX I recently discovered these accounts, which resulted from identity theft, making me a victim of fraud.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On Sunday XX/XX/XXXX, while purchasing a mattress at XXXX XXXX I decided to check what credit cards may offer cash back on a XXXXXXXX XXXX purchase. After checking each Banking App that I have, my Capital One Savor Card stated that I could receive 6 % shopping credit ( Earn credits for shopping ). I have screenshots as evidence. After speaking with the cashier and my wife, we all believed that If I used the Savor One card for the purchase, I will receive a 6 % credit ( {$120.00} ). We subsequently purchased the mattress at {$2100.00} On Tuesday XXXX, XXXX, I reviewed my account and did not see any evidence of a credit on the purchase. I called Capital One to explain the situation and I believed it to be misleading advertising. The representative told me that you have had to of clicked on the actual XXXX XXXX link 6 % and purchase the mattress via the store website through the app and that they couldn't give me the {$120.00} credit as any credit given is through the merchant, not Capital One. I asked to speak with the supervisor and we went back and forth while I had my Capital One account open in front of me on the desk top this time. Nowhere on the screen does it state that in order to obtain the shopping credits you need to actually click on the link and make the purchase via the online Portal. I explained to the supervisor that Capital One is unlike other banking institutions with cash back offers such as XXXX that make it clear and easy to understand the cash back/credit rules. The Supervisor agreed that in my case they could understand why I would think this but there is nothing they could do as it is the merchant that offers the credit, not Capital One. After airing my frustrations and asking them to at least credit me, they told me my best option was to return to the store, cancel the order and buy through the app to receive the credit. As a loyal customer I was left disappointed and told them that I will end my business with them the next day. After discussing with my wife, we both agreed that Capital One misleads it's customers by false advertising claims.
Consumer complaint received 2024-02-01
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXXXXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2024-02-01
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have a late payment on my report from XXXX account number that should not be there and I have proof that the company has asked for it to be removed and it hasn't been and im going to attach that proof to this complaint.
Consumer complaint received 2024-05-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (MI)

I would like further assistance in the case XXXX. 

I am reaching out to the Consumer Financial Protection Bureau to intervene in this matter because it is grossly unfair to me as a consumer. This situation appears to involve fraudulent actions based on unsubstantiated allegations by a large corporation. 

I recently received a response from US Bank regarding their intention to charge me for insurance that XXXX claims they did not provide, despite receiving payment from me for coverage from XX/XX/XXXX to XX/XX/XXXX. XXXX insists they returned the payment to me but have provided no evidence of this, which is confusing and frustrating. It seems like I'm being exploited or deceived, to put it mildly, by being charged for insurance I assumed I had. I never received any reimbursement from XXXX, nor was I informed of any lapse in coverage. US Bank failed to ensure that their interest in my property was adequately covered, as outlined in the mortgage agreement I signed. This situation is not my fault, and I shouldn't be expected to pay thousands of dollars to US Bank for insurance that should have been in place. I've reached out to several insurance companies, and the consensus seems to be that the mortgage company is attempting to profit off me because you can't insure property retroactively.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I am writing to express my vehement objection to the blatant violation of my rights and the egregious disregard for consumer protection laws by your company. This is nothing short of fraudulent behavior, and it is imperative that you address this matter promptly. 

The unauthorized sharing of my non-public information is not only a breach of privacy but also a clear infringement upon my rights as outlined in 18 U.S. Code 1028A. I want to make it explicitly clear that I did not provide consent or authorization for the dissemination of my personal information.

Furthermore, your reporting practices are in direct contravention of consumer protection statutes. According to 15 USC 1681 section 602 A, I am entitled to privacy rights that have been callously disregarded in this situation. Additionally, 15 USC 1681 Section 604 A Section 2 explicitly states that a consumer reporting agency is prohibited from furnishing an account without my written instructions. 

The violation continues with 15 U.S.C 1681c ( a ) ( 5 ) Section, which expressly prohibits the inclusion of adverse information in a consumer report that antedates the report by more than seven years. The persistence in reporting such information is not only inaccurate but also constitutes a direct violation of the law.

Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) unequivocally states that a person shall not furnish any information to a consumer reporting agency if there is reasonable cause to believe that the information is inaccurate. It is abundantly clear that your actions are in direct contradiction to this provision. 

I demand an immediate investigation into these egregious violations and an explanation for this unconscionable breach of privacy. Failure to rectify this situation promptly will leave me with no choice but to pursue all legal avenues available to me to ensure justice is served. 

This matter requires your urgent attention, and I expect a comprehensive response within the shortest possible time frame.
Consumer complaint received 2024-07-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: RSVP Lending, LLC dba RSVP Loans (WI)

I have been trying to contact RSVP loans so that I can pay off my loan. Every time I call all I can do is leave a message. I have left several messages including sending emails and I still have not gotten a response. All I want to do is pay off my loan once and for all
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries 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
Consumer complaint received 2024-02-01
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)

I value your help in removing a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or blocked. 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 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 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX I sent company a dispute for Inaccurate reporting that was on my consumer report, as well as unauthorized inquiries. 

A dispute was mailed out to the company certified mail and return sender, I have attached valid copy of Passport, Social, and proof of residency with my current ant only address. 

XXXX ) XX/XX/XXXX XXXX # XXXX ) Inaccurate Reporting 2 ) XX/XX/XXXX XXXX # XXXX ) Unauthorized Credit Inquiry on my credit report The only address that should reporting is : XXXX XXXX XXXX # XXXX XXXX, NY XXXX This is now my second attempt trying to resolve this issue with Equifax.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.The company has failed to provide supporting documentation verifying the accuracy of the inaccurate information reporting on my consumer report. 

I am demanding for the following accounts to be verified and updated by credit agency. All late payments be removed. 

I am demanding all inquires to be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unverified Inquiry I am demanding the following late payments to be removed from my 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 2024-02-01
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (CT)

On XX/XX/XXXX, my private student loan with Sallie Mae Bank ( Loan Number : XXXX XXXX XXXX XXXX ) was approved for residency deferment because I am in XXXX XXXX with a program end date of XX/XX/XXXX, and I submitted a completed form by my program confirming the end date. The approval letter stated the loan is eligible for 60 months, but payment will resume once the program is completed. 

On XX/XX/XXXX, I received an email stating that the deferral ended on XX/XX/XXXX, months before my program 's end date. 

I made several efforts to speak with the provider to notify them of the program end date stated on the form I submitted, which was XX/XX/XXXX. Every time I called, there was a different customer service agent with no record or documentation of my prior call or complaint. 

I requested they look at the deferment form I submitted earlier to confirm the program end date, but there was no record of such a form, and eventually told by an agent to resubmit a new form. 
I could not resubmit a new deferment form in time because of my schedule and the nature of my duties, where I leave home early and return late, leaving me little or no time. 

I was required to make monthly payments of over {$1000.00}, which I couldn't afford, and the loan was reported delinquent, and my credit score decreased by over XXXX points. 

Their error and fragmentation in their system caused me significant financial hardship, which hurt my credit score, and above all, I was traumatized by the way and manner in which this issue lingered without a solution. 

I am writing because somebody has to speak up. I know many borrowers are in similar situations and at the mercy of powerful lenders or institutions like this. This has to stop ; no one should go through such a harrowing experience because of a student loan.
Consumer complaint received 2024-02-01
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)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me a lot, and I feel unwell due to this situation.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion as of XX/XX/year> continues to list my name incorrectly despite being notified. Transunions response was they sent me a copy a my credit report. I did not request the report and this action has no bearing on the inaccuracy. I would like to know why my name changed in Transunions reporting and why it is not being corrected to my current name. I have not used the surname listed for over 29 years. The sudden change to my personal information is suspicious yet I can not and have not had a response from Transunion explaining why they alone are reporting my name in this way. 
It is unacceptable. The answer provided ( providing a copy of my credit report ) does not help at all.
Consumer complaint received 2024-02-01
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
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)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They 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 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 2024-05-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

In XXXX I received a letter in the mail from Chase bank regarding my XXXX  checking account. It was a " checking summary '' and showed that on XX/XX/XXXX there was a " XXXX XXXX- Check Charge of the full amount of my account, {$2300.00}, leaving my account with a balance of {$0.00}. Panicked that someone stole my XXXX XXXX and entire bank account, I called the number on the statement and reached a Chase representative. I was eventually forwarded to someone who told me that my account was permanently closed and it was under an active investigation with the fraud department and nothing else. I asked questions and tried to understand the reasoning behind someone investigating my account. They would not tell me anything and even suggested the possibility I would not get my money back. I felt and still feel completely robbed and violated. This bank account is for my XXXX XXXX which I legally started with the state of Pennsylvania in XXXX of XXXX. I have only deposited XXXX payment to my business for {$20.00} within the time it was opened. I have gone to my local Chase bank branch and the manager and associate both tried to help and call the main office for answers and also got nothing. I call Chase weekly for the status of my {$2300.00} and they respond with, " the investigation is ongoing ''. I've looked online for similar stories to mine and have found several in which Chase has closed their accounts, cite investigations and still have not returned their money. I have called Chase to complain about being investigated for no reason whatsoever. My mortgage and main household credit card which I share with my husband are both with Chase and I have an exemplary record as a customer with an impeccable credit rating. I feel like I am the victim of fraud from Chase. There is nothing in my life that I do that would suggest malfeasance, fraud or otherwise. I would very much like my money returned swiftly and some sort of explanation as to why and what prompted Chase 's fraud department to close my account and keep my funds. This is an outrage and very unsettling.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.