davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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
Consumer complaint received 2024-01-06
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. (CA)

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 Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00}
Consumer complaint received 2024-01-04
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-22
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. (PA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CCF Intermediate Holdings LLC (TX)

I was charged {$250.00} on XX/XX/2024 around XXXX unknowing by Title Max which was not authorized by me. The documents that I signed for originally stated that I would only be paying {$50.00} biweekly. Unfortunately I could not get in touch with Title Max because it was after business hours to resolve the issue. I called my bank therefore to address the issue.
Consumer complaint received 2024-06-12
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. (VA)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

On XX/XX/year> I went to PNC Bank in XXXX on XXXX XXXX XXXX and went to the drive up ATM which I do every month to deposit cash for my mortgage payment. At the ATM, I deposited {$3400.00} cash in XXXX XXXX and XXXX dollar bills only, however the ATM only accepted {$700.00} of that and spit out XXXX or XXXX XXXX and did not acknowledge the rest of the cash I put in. I tried to recheck the cash insert to see where the money went, maybe it was stuck or sticking out but nothing was there. I immediately went into the bank and explained what happened and initiated an investigation and asked for the XXXX to get someone to open up and check the ATM. They said they couldnt do anything to help and it would be XXXX days until they investigate. I said I was going to put in a police report since the ATM stole my money and then all of a sudden they were able to issue me the money the ATM took but didnt recognize ( {$2600.00} ) the next day. Fast forward to today, I get a letter from PNC stating that the investigation is resolved and that there was no error on the ATMs part and they are going to reverse the credit that they issued me. I have months of deposits showing me depositing cash at the ATM for my mortgage around the same amount so why would XXXX be any different? I have to fill out an appeal with PNC but the ATM is the picky option to deposit cash at this bank, they removed the tellers so I cant even have a human count my money let alone when an ATM malfunctions like it did this day, theres no one able to open it up and check so I had to wait days for help and come to find out it didnt matter anyway and its my word against theirs that I had that amount in my deposit. You should be able to see in the camera footage at the ATM I had a lot more than just {$700.00} in cash going into the machine, now what am I supposed to do?
Consumer complaint received 2024-04-22
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. (IL)

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, has violated my rights. 


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 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (AR)

On the night of XX/XX/XXXX, I tried to call company to discuss a dispute. When I called I originally was on hold for 45 minutes waiting for the dispute team. When I finally reached that team the operator hung up on me before we even got a chance to talk. I then had to call back in 3 more times only to get transferred right back into the same queue to wait on hold again for a longer amount of time. This company needs a way to escalate calls for people that get hung up on, or the call center rep needs to call the individual back they hung up on. This company is not staffed appropriately. Nor is the company providing the level of technology needed to dispute charges. We attempted to upload video to the chase website, for only it to not work. Then they sided with the merchant without even accepting all the evidence required to make the right decision. Now I am asking that Chase kick off the arbitration process with the company instead of charging me for services not rendered. This company is going way out of the way to make the experience so bad, they are trying to drive customers not to call in. Then when I ask them to go back and review calls, or file complaints on previous call center reps, they say they dont have the technology or given the rights to do so. This company is so far out of line they need to be regulated to the point that the government oversight ensures the call center reps have all the technology they need to make the appropriate decisions. This company is doing this on purpose to protect themselves and the merchants and not the customer. They need to be fined for this activity. We are talking about technology that has been available for over 25 years.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX & XXXX XXXX XXXX : {$270.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2023
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
I am writing to file a formal complaint against Capital One for improper use of my consumer report and continued reporting of an account that was allegedly included in a bankruptcy in XXXX. I have contacted Capital One, expressing my desire to opt out of any use or sharing of my nonpublic personal information, and despite my efforts, the issue persists. 

Capital One has improperly used my consumer report in violation of my rights. Despite my clear indication to opt out of any use or sharing of my nonpublic personal information, Capital One has continued to access my consumer report without authorization. An account that was allegedly included in a bankruptcy in XXXX is still being reported by Capital One. This reporting is inaccurate and has a detrimental impact on my credit history. 

I have previously contacted Capital One XXXX XX/XX/XXXX by telephone and by notorized formal written request, to address these issues and have opted out of any use or sharing of my nonpublic personal information. Despite my efforts, the problems persist, and I have not received a satisfactory resolution from Capital One. 

I request that the Consumer Financial Protection Bureau investigate the improper use of my consumer report by Capital One and their continued reporting of an account supposedly included in a bankruptcy. 
I request that Capital One be required to promptly remove any nonpublic personal information they have inappropriately accessed or used. 
I request compensation to the maximum extent allowed by law for the inaccuracies in reporting, the improper use of my consumer report, and any resulting harm to my financial standing.
Consumer complaint received 2023-05-13
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: SANTANDER HOLDINGS USA, INC. (MD)

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX
Consumer complaint received 2024-07-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (PA)

I chatted back about CFPB XXXX the {$42.00} debit isn't valid because the books have been already returned and it's too old to be sent to y'all to handle from XXXX I required y'all to stop trying to collect the debt and close the account out and send it back to XXXX XXXX XXXXt Account Number XXXX and XXXX XXXX XXXX Account XXXX updated because this is the second time y'all tried to collect from it when I disputed it with y'all but they sent the account back to y'all new account number is XXXX I want y'all to dispute it and send the account back to them again and also stop trying to collect from it if they send it back to you with a new account number or the same account number I says etc.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (FL)

Someone used a card that was stolen from the postal mail and XXXX dollars were charged. The bank does not want to be held accountable, file a dispute for fraud since I have no responsibility in this
Consumer complaint received 2024-04-19
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. (NJ)

Dispute Regarding XXXX XXXX XXXX XXXX on My TransUnion consumer Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/year> XXXX XXXX XXXX Account # : XXXX Dear TransUnion, I am writing to dispute a tradeline on my TransUnion consumer report associated with XXXX XXXX XXXX. This letter serves to formally request the removal of this inaccurate information from my report, citing several consumer protection laws. 

Grounds for Dispute : Limited Disclosure of Consumer Reports ( 15 U.S.C. 1681b ( 1 ) & ( 2 ) ) : The Fair Credit Reporting Act ( FCRA ) strictly regulates the circumstances under which consumer reporting agencies, like TransUnion, can furnish consumer reports. According to 15 U.S.C. 1681b ( 1 ) & ( 2 ), you can only disclose such reports under limited conditions, including when a court orders it or with the consumer 's written instructions. In this case, I have not provided any written consent for the disclosure of this tradeline. 

Aggravated Identity Theft ( 18 U.S.C. 1028a ) : The presence of this unauthorized tradeline on my report suggests the potential misuse of my personal information. Disclosin such information without my consent may constitute a violation of 18 U.S.C. 1028a, which prohibits aggravated identity theft.

Right to Opt-Out ( 15 U.S.C. 6802 ) : The Gramm-Leach-Bliley Act ( GLBA ) safeguards consumers ' nonpublic personal information held by financial institutions. Accordng to 15 U.S.C. 6802, financial institutions can not share such information with non-affiliated third parties without first offering the consumer the opportunity to opt-out. Since I did not authorize the disclosure, this may be a violation of GLBA. 

Request for Action : Based on the aforementioned laws, I demand the immediate removal of the XXXX XXXX XXXX XXXX from my TransUnion consumer report. I request written confirmation of this action and any updated copies of my credit report reflecting this change. 

Additional Information : I am prepared to pursue all available remedies under the FCRA, including but not limited to statutory damages, actual damages, attorney 's fees, and injunctive relief. I urge TransUnion to take this matter seriously and to take immediate steps to rectify the inaccuracies on my consumer file. 

I expect a prompt response to this notice and a resolution of this matter within the specified timeframe. Failure to do so will leave me with no alternative but to pursue legal action to protect my rights under the FCRA. 
Thank you for your prompt attention to this urgent issue. 

Sincerely, AllenRagland My Attorney : XXXX XXXX at XXXX XXXX XXXX XXXX XXXX NJ
Consumer complaint received 2024-04-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (SC)

Again, please refer to case # XXXX. We previously filed this complaint and you contacted the company. It was settled. Now they are doing the same thing again - saying that we did not pay for the wind and hail insurance in a timely manner, which resulted in a lapse in coverage. It was paid. Loancare made the mistake. They admitted the mistake. All parties were happy. Now they are back to square 1 and doing it all over again.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: M&T BANK CORPORATION (NY)

On XXXX  I was given a check with the amount of XXXX without knowing the check was fake. Now my account is overdraft and they want me to pay all the money back. I am victim of scam I never had this happen to me before. Please help me get my account back
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (CT)

My wife and I continue to receive regular mailings of pre-screened personal loan options from Discover. These come with checks that are ready to use. We have swapped all of our info to paperless, have submitted various requests at sites such as optoutprescreen and tried contacting discover directly. 

Again today I tried contacting discover and spent over XXXX minutes chatting with XXXX to find no one was able to advise or assist. I attempted to send a secure email from within my account and there are only options to contact for name changes. I tried chatting and was bounced around from rep to rep unable to be helped. It is the year 2024, I just want to stop receiving mail from them for offers that I no longer want. 

I consider mailings of this type to be a risk to our identity, privacy, and financial security and would like them to immediately cease.
Consumer complaint received 2024-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

I have XXXX  student loans serviced by MOHELA. I was pressured by them into recertifying my income in XX/XX/2024 and as a result my payment increased. Based on the federal governments announcement that the student loan income recertification deadline was extended to XX/XX/2024 I should have had my payment reverted back to my previous lower payment. Unfortunately MOHELA has failed to restore my previously lower payment despite many phone calls and promises by them. I am not getting any assistance from them and my next payment date is coming up. I really need your help.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Collections accounts that dont belong to me I have dispute and havent been removed, accounts that was fraudulent open that dont belong to me and companies refusing to remove such accounts and not providing sufficient information to me about this accounts or providing where these accounts was properly opened.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the XXXX document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting XXXX % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure XXXX % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not XXXX % correct and I demand them to be investigated completely.