davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-24
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)

I obtained my XXXX/Equifax/XXXX credit report online . There was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Courts have given me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Consumer complaint received 2017-05-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On   XXXX   XXXX   XXXX  , I filed a complaint with the CFPB re :  XXXX . It is now   XXXX   XXXX   XXXX   and you have not followed the guidelines of the FCRA or FDCPA which allows  XXXX  Days for your company to respond to the complaint. By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney  Generals o ffice, should you continue in your noncompliance. I further remind you that, as in  XXXX  v.  XXXX   XXXX   XXXX , No.  XXXX  (  XXXX .   XXXX   XXXX   XXXX   ), you may be liable for your willful non-compliance. As you have now violated federal law, by not properly investigating within the required time-frame, and I have evidence of such, via the CFPB website.You must now remove the items. I am filing a lawsuit against your company. I would be seeking {$1000.00} per violation for :  1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act These are the accounts that I demand removed : 1.    XXXX   XXXX    XXXX   2.    XXXX   XXXX     XXXX   3.   XXXX   XXXX   XXXX  4.   XXXX   XXXX   XXXX    XXXX   5 .  XXXX   XXXX   XXXX   6 .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX  8.   XXXX   XXXX     XXXX  9.   XXXX   XXXX    10 .  XXXX   XXXX   XXXX  #  XXXX  11.  Judgement Case  #  XXXX . Please be advised I am also filing a lawsuit against your company for falsely reporting all of accounts above. None of my accounts end in  XXXX . You are not showing the full account number, which can easily belong to another person. Therefore, since you are not providing the full account number that is considered false information. You are now also in violation of the FCRA providing false information. The judgements CAN NOT be verified due to the fact that in your verification, it is impossible unless you file a motion to the court to obtain my full social security number to PROVE that the judgements actually belong to me instead of someone else with a similar name.
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I had a XXXX XXXX  membership while I was staying at XXXX XXXX, XXXX  with my son. I canceled my membership when I moved back to XXXX  ( Costco is nearby ). 

XXXX sent me a credit card with Capital One that I never activated since I was moving and no longer had a membership. 

In XX/XX/XXXX  I received an email from Capital One that I had an outstanding bill. I drove to XXXX and then informed me that I had to contact Capital One. On XX/XX/XXXX, I finally got to the bottom of this, XXXX  inadvertently billed me for a membership on that card. They finally refunded the membership in XXXX reference number XXXX. 

Capital One said they received the {$55.00} but I owe fees of {$110.00}. I told them this was not my fault. They dont seem to care. 

Can you help me? 

XXXX XXXX
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX RE : ACCOUNT ENDING XXXX FCRA/FDCPA VIOLATIONS To Whom It May Concern, I am a consumer as defined under 15 USC 1602 ( i ) recently obtained a copy of my consumer credit report and noticed the account in reference was shown to be closed. In accordance with the FDCPA, your company can not continue to collect on a alleged debt that you no longer have, the tax write off received when your company has closed an account. In addition, as I looked further into this account, I noticed quite a few errors, that the CRAs stated American Express furnished them with this information, which would go against your terms and conditions, most specifically the section where your company refers to disclosing my personal financial information to a third party. The CRAs are non affiliated third parties. Before I pursue my legal options as a consumer under 15 USC 1602 ( i ), for the violations your company has committed against me, I am requesting ALL of the following information : - A complete accounting ledger and history of all transactions from onset of this account, the documentary evidence, as it relates to IRS publications 583. 
- The first date of delinquency - The disclosures you were supposed to give me upon commencement of this contract, the Gramm Leach Bliley Act, a requirement of TILA - All of the consumer reporting agencies you unlawfully disclosed this account to. 

Please note this complaint shall serve as notice of pre arbitration, should this information not be received by me in the allotted time frame. 

In Good Faith Regards, Without Prejudice By : XXXX : XXXX
Consumer complaint received 2023-11-24
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. (GA)

I obtained my TransUnionXXXX credit report online . There was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Courts have given me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed TransUnion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC (GA)

I requested my account be closed. I was informed they was going to close it and I did not owe any thing for the account. Afterwards, I got a notification that my account was still open and they were charging me fees. I called them about the situation and they say they can only wave the late fee. But they reported my account as late. Im upset and feel like its unfair because I requested my account be closed months before.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX, XXXX, Experian and XXXX XXXX XXXXXXXX. According to my credit report, I was reported as being 30 days late on my mortgage payment in XXXX of 2023. However, I have evidence to prove that this information is inaccurate. 
Despite making timely payments, their erroneous reporting has resulted in unjustified damage to my credit score. 
I request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge the Bureau to hold XXXX XXXX, XXXX, Experian and accountable for their failure to adhere to fair credit reporting practices. 
Please inform me of the steps you will take to address these complaints and the expected timeline for resolution. 
Thank you for your attention to this matter.
Consumer complaint received 2023-11-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I have XXXX $ initial deposit XXXX $ of interest stuck in a Citizens Access Account. Without giving me any information, Citizens has removed my ability to extract my money, or close my account. 

XX/XX/XXXX : Opened Citizens Access Savings Account, transferred XXXX $ as an initial deposit from my XXXX XXXX XXXX XXXX ( Direct Debit Payment ). 

XX/XX/XXXX : Tried to deposit more money into Savings Account. Error " Sorry, we can't schedule your transfer right now. Please try again or give us a call at XXXX. '' I called the number. They told me that they have terminated the account, without giving any more information. I had not received any notice of the cancellation via email or post, and have not to this date. I did not follow up, thinking theyd just transfer back my money eventually, which wouldve been fine with me. 

XX/XX/XXXX : No transfer has occurred. The account is still accessible via the online portal, but I can not extract any funds. I called XXXX again, wanting to close the account myself. They told me again that they have terminated the account ( without more information why ). They told me to transfer out the money I need my own bank to send a ACH Reversal Request or a Hold Harmless Letter. I contact my bank ( XXXX ). XXXX can not reverse the ACH transaction ( since its 4 months old at this point, and the transaction was valid ). XXXX has no clue what a Hold Harmless Letter is, and they can not send it. To further complicate matters, XXXX has switched their XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) so my XXXX XXXX  XXXX number has changed. I added my XXXX XXXX account as the link account to the Citizens savings account. 

XX/XX/XXXX : No transfer has occurred. I called Citizens again, telling them that my bank can not send these letters, as its not possible. Citizens can not give me more information. 

XX/XX/XXXX : Called again, same outcome. I was told they're opening a ticket and will call me back. 

XX/XX/XXXX : They call me back, just to give me same information that I've been told before, about the ACH reversal / hold harmless letter, and without any information as to why my account was frozen. I checked Citizens document center and found a notice of account freeze dated to XX/XX/XXXX ( notably, the freeze is dated before the notice of account details, which I received XX/XX/XXXX ).
Consumer complaint received 2023-05-04
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 submitted a letter to the XXXX and TransUnion on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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 2024-03-15
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. (FL)

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (KS)

On XX/XX/XXXX, I found a small charge on my Chime account using my debit card for {$0.00} at XXXX that was debited on or about XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX  I started the dispute on the mobile app and Chime called me for more information on the dispute. I initially spoke with XXXX XXXX XXXX who refused to initiate the dispute unless I provide proof that I did not authorize the charge. I demanded to speak with a supervisor and was transferred to with XXXX XXXX XXXX ( alleged supervisor ). I gave the supervisor the same information. This is in violation of federal law. 

When I informed XXXX that I was filing this complaint, they initiated the dispute. They still demanded proof that I did not initiate or authorize this charge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/XXXXXXXX  I mailed a certified letter to USAA Savings Bank. The letter explained the inaccurate reporting on my consumer report. According to my consumer reports from XXXX, XXXX and XXXX this credit card account was charged off in XX/XX/XXXX. According to IRS Publication 4681 a charge off or canceled debt must be reported as gross income on your tax return. The lender must file Form 1099-C and send the consumer a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency or other applicable entity. I never received my copy of Form 1099-C. USAA Savings Bank is in violation of 15 USC 1681 s-2. I requested my copy of Form 1099-C and the deletion of the account from my consumer reports. USAA Savings Bank responded with a letter dated XX/XX/XXXXXXXX  stating for dispute reason " other '' the information in question is being accurately reported to the consumer reporting companies. Income does not get reported on consumer reports which in fact makes the reporting of this account inaccurate.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (IL)

I am filing this complaint to 1STPROGRESSXXXX. I am writing to formally express my deep concern and disappointment regarding the lack of action taken to correct and remove fraudulent accounts that persist on my credit report. Despite my diligent efforts, the presence of these inaccuracies continues to impact my reputation adversely. On XX/XX/, XX/XX/XXXX  and XXXX XXXX, I submitted dispute letters to 1STPROGRESS/XXXX, detailing the fraudulent accounts and requesting their prompt correction. Regrettably, to date, I have not witnessed any substantive action taken to address these discrepancies. This prolonged delay is distressing, as I anticipated a swift resolution to ensure the accuracy of my credit file. To assist in your investigation, I have attached my Federal Trade Commission ( FTC ) report with the reference number XXXX. I believe this report provides additional context and evidence supporting the urgency of this matter. I am genuinely disappointed that the information on my credit report does not accurately reflect my financial history, as I expect from a reputable credit reporting agency. I trust that 1STPROGRESSXXXX  will take immediate and comprehensive action to rectify this situation and uphold the accuracy and integrity of my credit file.
Consumer complaint received 2023-11-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (PA)

i have been struggling to make payments but i have been paying weekly to help get caught up. when i signed the contract for the auto loan the amount was for a total amount of {$54000.00} which included the loan amount of {$36000.00} and an interest charge of {$18000.00}. after divorce in XXXX i had a loss of income. covid 19 made things even harder and then a XXXX in XXXX just added to the complications. but i managed to continue paying whatever i could to avoid repossession. as of today i have paid {$54000.00} of the total due of {$54000.00}. they still want me to pay an additional {$8500.00} which is just more interest that i just cant afford and they will not accept anything less. i have already paid alot of interest and now instead of paying what my loan contract states they want me to pay a total of {$62000.00} and i just dont think that is fair and that i need some assisatnce as they are sending me letters that if i dont pay a certain amount by a certain due date the car can be repossessed
Consumer complaint received 2023-11-24
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Bridgecrest Acceptance Corporation (MO)

Bridgecrest Acceptance Corporation continues to harass me using profane and obscene language over an alleged debt I do not owe after I sent them a cease and desist letter back in 2022 and they have yet to provide me with all the necessary documentation I requested to verify this alleged account.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX I discovered that my checking account was usually low of funds. After investigation, I discovered that someone had opened up a XXXX XXXX count that was tied to my bank account and moved most of my money out of my checking and savings accounts. I went back in time and review all charges on my account and found that someone was moving small sums to overseas accounts starting back on XX/XX/XXXX. At no point did Chase raise any red flags, or warn me about these strange transactions that did not align with my past transactions ( despite claiming 24/7 Fraud Monitoring or Zero Liability Protection ). I called Chase to dispute these transactions, but after their investigations, they told me there is nothing they could do as Chase is only liable for up to 60 days from the first incident. The issue is a majority of the money was moved during this last month. Now my account is standing at a loss of over 80 % of where it should be and I have no path to recover the stolen money.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. 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 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!