davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

The right to contest my credit report is something that every American has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt loadurbances can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable.I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it.You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) .Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ) .The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately
Consumer complaint received 2023-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (MI)

XXXX. A check was washed for {$85000.00} XXXX. Chase " the cashing bank '' Says it was counterfeit XXXX. XXXXXXXX XXXX my bank intuition states it was altered XXXX. Chase denies to avoid reimbursing my funds XXXX. XXXX XXXX will not challenge Chase. Quote " We are to small to go up against Chase '' XXXX. No legal firm wants to challenge Chase XXXX. I have been told this is what Chase does to avoid paying for a error they made. 
XXXX. I don ' t trust Chase, I need a neutral party to confirm Chase it not lying to me and prove them incorrect.
Consumer complaint received 2023-05-05
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: LoanCare, LLC (CA)

In accordance with the fair credit Reporting act Loancare LLC Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-04-09
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. (GA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-09
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. (GA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

EQUIFAX & XXXX XXXX  CONTINUE TO REPORT INCORRECT INFORMATION ON THIS ACCOUNT. IT'S BEEN WRONG GOING ON LONGER THAN A YEAR! COMENITY LIES TO THE CFPB BY STATING THE COMPLAINT IS " A DUPLICATE '' WHICH IT'S NOT. EQUIFAX LIES TO THE CFPB STATING THAT THEY CHECKED WITH COMENITY WHEN I KNOW THEY DID NOT!!! IT'S NOT A GOOD LOOK FOR EITHER OF THEM AND THEY'RE BOTH IN VIOLATION OF THE ATTACHED FCRA LAW! EQUIFAX DO NOT ATTEMPT TO SEND ME THAT STUPID LETTER YOU LIKE TO SEND DEMANDING ID FROM ME. I ID 'D MYSELF HERE PER THE CFPB 'S REQUIREMENTS. YOU HAD BETTER ACCEPT IT OR I WILL FILE A COMPLETELY SEPARATE DISPUTE TO MAKE THE CFPB AWARE OF WHAT YOU ARE DOING WHICH IS BASICALLY NOTHING!
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2023-06-30
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. (NY)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-20
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. (FL)

This account has multiple inaccuracies and missing information that do not align with all three bureaus. I have attached a receipt from XXXX showing that I paid in full directly to them and not to the collection agency. If this account was reported as " Charged off '' then XXXX should not have been able to collect directly on this debt. Also attached is an email directly from a XXXX representative stating that if I paid they would remove this from my credit report and my account would be in good standing. I have attached an image of my credit report for all three bureaus and I have highlighted all of the inaccurate information. The inaccurate/missing information includes the following : Account type, Date opened, number of months ( terms ), Payment Status, last reported date, Date last active, date of last payment, and payment history. The entire payment history Is highlighted because it is completely inaccurate and missing information. This is a direct violation of 15 U.S. Code 1681e - Compliance procedures and this account should be deleted from my credit report immediately.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

there are 4 accounts that do not belong to me and needs to be remove from MY XXXX credit report also 4 inquries XXXX DATE OPEN : XX/XX/XXXX BALANCE IS {$940.00} 2.XXXX XXXX DATE OPEN : XXXX XXXX BALANCE IS XXXX XXXX. XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX BALANCE XXXX XXXX. XXXX XXXX XXXX : DATE OPEN XXXX XXXX XXXX BALANCE INQURIES 1. XXXX XXXX XXXX XX/XX/XXXX XXXX 2.XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. These inquiries should also be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-09-20
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)

This is my XXXX  request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$15000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX Inquiry XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-02-24
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: EQUIFAX, INC. (WI)

ORIGINAL COMPLAINT : XXXX DID NOT FIX MORTGAGE XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wi XXXX Equifax : XXXX XXXX XXXX, XXXX, GA XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX XXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes. Truly, XXXX XXXX
Consumer complaint received 2023-10-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (FL)

I received the same information frmo Wells Fargo Auto Finance, they are still trying to use the False 'Loan Application ', which is not my signature on this. I don`t have a copy of it either. It took XXXX XXXX XXXX a full month to get the sales paperwork to me. 

Once I looked at it, I filed a lawsuit against them. That didn`t work out as planned, but at this point, with Wells Fargo Auto Finance sending me the same false information over and over, I now have to seek an attorney. I can get one for free as I`m XXXX. Wells Fago Auto Finance has called me numerous times, I refuse to speak to them as they attempt to initiate an argument with me each time I`ve tried to speak to them. 

Wels Fargo Auto Finance needs to call XXXX XXXX XXXX to get the proper information. The Loan Application I saw at the sale had false income information on it, so I refused to sign it. Wells Fargo Auto Finance keeps sending me this ridiculous Loan Application page with a signature that is not mine. 

At this point, I will have to seek an attorney to help remedy this fraudulent loan. Also 3 to 6 months of past bank statement are required in order to issue out a loan of this magnitude. I will be calling attorneys at this point as I`m getting nowhere with Wells Fargo Auto Finance .
Consumer complaint received 2023-09-20
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX 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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland credit management went to court and put a lien on my pay without notifying me. I have received no mail about a court date nor have I been threatened with court. They already took me to court XXXX of XXXX  and it was stated that If I had not heard from them by XXXX the case would be dropped. 

They have just recently opened a case against me. XXXX ID # XXXX to garnish my wages by 15 %!!!! 

I dont make much money and I live paycheck to paycheck. I barely make over XXXX a check and thats not ever enough to fully cover my rent. If they take 15 % of my check Ill lose my home. I help my parents with their rent. Yes I live with them the housing crisis is real and prevalent.

This was supposed to be done and dusted back in XXXX. If their harassment continues Ill go broke getting a lawyer. 

Below I have listed the court papers from this process to garnish my wages that were SENT to me by a 3rd party that my job uses.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-17
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: SYNCHRONY FINANCIAL (CA)

Hello, I have first reported the problem of not receiving the {$200.00} statement credit that was offered when opening the Synchrony XXXX XXXX credit card. I have messaged them XXXX, XXXX and XXXX. They keep on saying they will forward it to the appropriate department but ZERO updates was given. I have provided them with the screenshot of the offer and ZERO progress is being made.
Consumer complaint received 2023-10-04
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (AZ)

Denied access to my account beginning in XXXX of 2023. I have sent several documents repeatedly, drivers license, ssi card, tax forms, vehicle registration, vehicle insurance, ect. All have been deemed insuficient to verified my identification. I have been ignored, hung up on, denied access to a supervisor, and left on hold for hours in my 50+ attempts to fix this problem with no success. I moved to XXXX from XXXX  in XXXX of 2023 NETSPEND ALLXXXX XXXX  XXXX Address unknown
Consumer complaint received 2022-02-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (TX)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-20
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC. (GA)

I have an issue with the fact that I am so upside down I cant trade my car in. No one will take my car because I owe XXXX and my car is only worth XXXX. I need some answers