davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to express my deep dissatisfaction and frustration regarding the multiple attempts I have made to rectify the fraudulent items on my credit file. I believe that my case has not been given the attention and resolution it deserves, and I am compelled to file a formal complaint. 

I first became aware of unauthorized and fraudulent entries on my credit report. Since then, I have diligently followed the proper procedures by submitting detailed dispute letters, providing evidence of the fraudulent activities, and requesting a thorough investigation into the matter. Despite my persistent efforts, I have encountered a lack of responsiveness and effectiveness in addressing this serious issue. 

The fraudulent items on my credit file are adversely affecting my credit score and financial well-being. I have attached copies of the supporting documents, including but not limited to police reports, affidavits, and any correspondence related to the fraudulent activities. It is disheartening that despite the submission of this evidence, the inaccurate information remains on my credit report. 

I understand that credit reporting agencies play a crucial role in maintaining the accuracy and integrity of consumers ' credit information. However, the repeated failures to rectify the fraudulent entries in a timely manner have not only caused undue stress but also have potential long-term consequences on my financial stability. 

I am seeking your immediate attention to this matter and request a comprehensive and expedited review of my case. I insist on a thorough investigation into the fraudulent items and a prompt removal of the inaccurate information from my credit report. Additionally, I would appreciate regular updates on the progress of the investigation and the steps being taken to resolve this issue. 

If my concerns are not addressed satisfactorily within the exact timeframe from the date of this letter, I am prepared to escalate this matter to the appropriate regulatory authorities and seek legal counsel to protect my rights under the Fair Credit Reporting Act ( FCRA ). I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

I redeemed a 10 % cash back offer from Chase for purchases at XXXX XXXX XXXX onXXXX. I then made two purchases totaling {$19.00} on XX/XX/2023 and XX/XX/2023, and did not receive the credit on my credit card statement. I called Chase multiple times and they refused to honor this offer. One time I called they said they did see it on their computer but that I needed to wait a few more weeks. Another representative I spoke with said she did not see it on her system at all so they are refusing to honor it. I have screenshot proof that I did redeem it. I am concerned they are taking advantage of customers by offering discounts and not honoring them.
Consumer complaint received 2023-12-17
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. (DC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , Experian credit reporting agency XXXX and XXXX credit reporting 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 in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX XXXX in XX/XX/XXXX, XXXX XXXX in XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-12-16
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 (NY)

THIS IS A NOTICE OF DISPUTE. I AM DISPUTING THE COMPLETENESS AND ACCURACY OF THE INFORMATION THAT HAS BEEN FURNISHED TO MY CONSUMER REPORT. CAPITAL ONE XXXX. THE SEQUENCE OF LATE PAYMENTS THAT WAS FURNISHED IS INACCURATE. THIS IS A CLEAR VIOLATION OF THE FCRA AND THIS VIOLATION IS PREVENTING FOR FROM EXTENDING MY CREDIT FOR MY PERSONAL, FAMILY AND HOUSEHOLD PURPOSES.
Consumer complaint received 2023-12-16
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 (NY)

THIS IS A NOTICE OF DISPUTE. I AM DISPUTING THE COMPLETENESS AND ACCURACY OF THE INFORMATION THAT HAS BEEN FURNISHED TO MY CONSUMER REPORT. CAP ONE XXXX. THE SEQUENCE OF LATE PAYMENTS THAT WAS FURNISHED IS INACCURATE. THIS IS A CLEAR VIOLATION OF THE FCRA AND THIS VIOLATION IS PREVENTING FOR FROM EXTENDING MY CREDIT FOR MY PERSONAL, FAMILY AND HOUSEHOLD PURPOSES.
Consumer complaint received 2024-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

My Question : On the pages of XXXX XXXX XXXX it is showing XXXX employment periods, XXXX with end dates. However, I am still employed by the XXXX XXXX and has been since XXXX XXXX with no breaks in service. Also, it shows XXXX payments as being ineligible and I am wondering why? 

MOHELA 's Response : Thank you for contacting MOHELA, In order to provide exemplary service, we want to make sure that we are addressing your questions and concerns accurately. Due to the nature of the XXXX XXXX XXXX XXXX ( XXXX ) inquiry, we need you to speak with a XXXX XXXX XXXX XXXX ( XXXX ) XXXX. Please call toll free at XXXX. Our hours are Monday XXXX a.m. to XXXX p.m., Tuesday and Wednesday XXXX a.m. to XXXX p.m., Thursday and Friday XXXX a.m. to XXXX p.m. CT. 

I've called this number a couple times and only received a recording. Also, their other contact number only to be asked to call back.
Consumer complaint received 2023-12-15
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-16
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. (PA)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX, Account name : XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I pulled a copy of my consumer report and noticed some items I would like to dispute. My last complaint was closed but they didn't provide the method of verification in terms of how they verified the information so I'm requesting that per 15 U.S. Code 1681i ( 7 ) or the negative items need to be DELETED.
Consumer complaint received 2023-12-15
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

Per the FCRA 15 USC 1681b, I did not give XXXX nor Capital One, permission or written consent to apply an inquiry to my credit profile. Please delete this immediately as this a violation of the Privacy act of 1974. I do not have an open ended or closed account with XXXX or Capital One.
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-11-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. You, however, seem to claim you've verified the accuracy of the information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The account that should be adjusted is XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

I had an account that was closed due to me being lied about by XXXX and XXXX XXXX. I had put in my original application when I first opened my checking account that I received social security. XXXX XXXX started a confrontation with my mother but the police stuck up for XXXX XXXX even after we had told the police. 

When she told my mom why don't you take your XXXX XXXX XXXX back in your home. XXXX and XXXX were both screaming at my mother using profanity but then whining and crying to the police that my mother screamed at them in front of their son. When XXXX had his son hanging on his shoulder screaming at the top of their XXXX at my mother. 

How would he feel like. If I screamed at his mother like that. My reputation was tarnished when they told the police I was filming their kid along with their friends kid also. Which I never did. This lie along with me being XXXX XXXX was being spread around Wells Fargo bank. XXXX and XXXX are the criminals here not us. Everyone seems to believe their side of the story. 

Banks are responsible for their employees action. If they went in customers private information to look at their application. Because I listed I received social security. 

Wells Fargo bank owes me for mental anguish harassment abuse because they told this to their friends and family. 

XXXX XXXX was insulting my mom telling her how poor we are. How does she even know who we are to begin with? My private information was compromised buy XXXX and XXXX XXXX. My life has been in emotional turmoil and XXXX XXXX is responsible. 

My life has been a nightmare ever since. I have no peace I lost enjoyment of my life. Because of these false accusations. And the hate slur she called me. 

When she told my mom why don't you take your XXXX XXXX XXXX back in your home. She said it where the whole neighborhood could hear it. 

There friends heard it and they were standing outside on their front porch. But my mom got the blame for everything. I lost my checking account and so did she.
Consumer complaint received 2024-07-10
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. (MI)

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

Account Name : XXXX Account XXXX : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX. I been on the phone holding for XXXX hours and then today XX/XX/XXXX over XXXX hours trying to talk with someone in the credit department at XXXX. I was told that XXXX had my XXXX  loans, and they are the ones who reported my account was delinquent, but the person at XXXX stated that XXXX are closed. They did not communicate with me when my repayment period to started back in XXXX or XXXX. So I have delinquent reported on my credit, and they are closed. XXXX can not do anything about it bc I have to go back to the original loan XXXX loan people ( XXXX who transfer or sold my loan to XXXX ) to get it resolved bc it is XXXX mistake.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

XX/XX/23 I received my consumer report and seen many inaccuracies. Lets start with the spelling go my name and to update to my current address. See Attachment for proof I asked the credit reporting agencies to update my personal info.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

There are inquiries under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these inquiries I am complaining
Consumer complaint received 2016-07-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

According to the Bank of America FICO score report, one of the key factors affecting my score is " Number of accounts with delinquency. '' On the same report, BOA states that they base this information on XXXX data, against which I have also filed a complaint. As per a BOA relationship manager ( after talking on the phone with their credit card department ), BOA can not do anything and they directed me back to XXXX. I 've spoken twice to XXXX customer service reps and they state that there are no delinquencies on my report and that I should go to BOA to resolve the situation. I have the credit reports from the three credit reporting agencies ; there are no delinquencies on any of them. Effectively, I 'm being bounced around the two companies with no solution being offered by either.
Consumer complaint received 2024-06-03
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. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Owed : {$150000.00} XXXX XXXX Balance Owed : {$740.00}
Consumer complaint received 2024-08-01
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: Experian Information Solutions Inc. (GA)

XXXX. Subject : Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Experian. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to Experian regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
XXXX. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Consumer complaint received 2023-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: TRUIST FINANCIAL CORPORATION (CA)

Truist Bank is raising the monthly payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I talked to a representative over the phone ( around XX/XX/XXXX ) and this person told me that they were raising the payment because I owed money to them. I asked for an explanation and this person said I owed more than {$6000.00} to the bank, I wanted for more details and She couldn't explained. I asked to talk to a manager and she said most of the people was on holidays and she was going to take a note and ask one of them to contact met. Nobody has done it.