davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
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. (AL)

XXXX XXXX is trying to double for this bill. There was already double charge for XXXX  when two pair where sent while I only ordered one. I sent one pair back to them. The company said they were looking for the XXXX  for months while I was waiting for my money back my phone was turned off 4 times with late fees. A lady said she would remove the cost of XXXX  and the fees and would call back but never did. In the meantime due to their customer service I changed providers. The bill was place in collections with the late fees and XXXX  attached. When I called, XXXX they said would send me a check for the aXXXX XXXX and all fees because they found XXXX. I have yet to receive a check but Im sure that was a lie also. I was waiting on a true final bill but they missed the ball here and reported false information. I can see why there is a class action lawsuit against them
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I just checked my credit score and realized a credit card in my name that I never opened. The credit card is called XXXX and there is a {$8300.00} balance. I didn't even know about this card. I contacted XXXX and tried to notify them this is fraud and they absolutely refused to close the account.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (AZ)

I had my Social Security check deposited in my wife 's account over which I had POA. She had XXXX XXXX and was a resident in a long-term care facility, she died XX/XX/year>. US Bank locked me out of the account and said since the account was not in my name I was not entitled to any information about the account. I was not able to get the XXXX check deposited in an account at another bank. I have not received it yet, despite numerous conversations with Social Security, US Bank and XXXX with the XXXX Treasury. 
Social Security says, talk to US Bank, XXXX Banks says, talk to XXXX Treasury, Treasury says they re-issued the check twice, but it was kicked back because the money was not returned.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

Chase Bank closed my account after I submitted a complaint to CFPB. They closed my bank without notification and charged me checks that I have not received. They also charged me fees without my knowledge in the amount of {$6.00} increments. I don't know what they are for.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (AZ)

On XXXX I applied with several banks that the dealership was to search for a good interest rate to proceed with the purchase of the vehicle I was going to buy. I finally settle on XXXX XXXX XXXX  The purchase was completed. A few days later I received a letter from Ally XXXX advising me that they denied offering a loan to me because of my credit score of XXXX ; research by XXXX XXXX. On the same letter included XXXX XXXX of XXXX and XXXX XXXX XXXX XXXX. The denial of loan by Ally was contrived by them. 
It should be noted I've had a RV vehicle loan for the last XXXX with Ally. ( never a late payment ) I was using the RV as a trade in for the XXXX truck I was purchasing. 
I've filed a dispute with XXXX XXXX as well. The info listed with them is not different from XXXX and XXXX XXXX. 
I personally think Ally XXXX XXXX XXXX collaborate on with whom to grant loans to. 
The EVIDENCE IS THE DENIAL LETTER SENT TO ME BY Ally FINACIAL.
Consumer complaint received 2024-03-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

My credit score dropped a lot so i checked credit report on XXXX. I found there are a lot of hard and soft inquiry. And there are 2 open loan and 1 linked credit card that I never known. 

The auto loan information as below : name of loan company : JPMCB AUTO open date : XXXX XXXX account number : XXXX ( X stand for number that doesn't show on report ) balance : {$85000.00} Terms : 72 month loan company address : XXXX XXXX XXXX XXXX XXXX, XXXX phone number : XXXX The personal loan information as below : name of loan company : XXXX  XXXX open date : XX/XX/year> account number : XXXX ( x stand for number that doesn't show on report ) balance : {$2600.00} XXXX month loan company address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX phone number : ( XXXX ) XXXX credit card information as below ( this credit card payment is paid every month, not from any of my account ) : credit card company : JPMCB CARD Account number : XXXX ( x stand for number that doesn't show on report ) date opened : XXXX XXXX balance : {$10000.00} credit card company address : XXXX XXXX XXXX XXXX, DE XXXX Phone number : ( XXXX ) XXXX
Consumer complaint received 2024-03-27
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. (NJ)

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself.

Who is going to govern these agencies?

By 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 - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX, Experian, and XXXX have violated my rights.

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 an 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 or 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 data is inaccurate.
Consumer complaint received 2023-12-22
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. (MD)

According to Family Educational Rights and Privacy ( FERPA ), is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) This law protects my public, or private elementary, secondary, or post-secondary school education records from being reported at all.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is my 11th 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, block 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, MO XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-27
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. (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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$300.00} XXXX XXXX  XXXX Balance : {$30000.00} XXXX  XXXX Balance : - XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX : {$30000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance XXXX {$30000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (SC)

I applied for a Wells Fargo credit card # XXXX and was denied. My XXXX rating is Excellent at XXXX. I currently have two credit cards with balances. A XXXX credit card with a {$650.00} balance and a {$22000.00} credit limit and a XXXX credit card with a {$1200.00} balance and a {$2000.00} credit limit. I also have another XXXX  credit card with a {$68000.00} credit limit and XXXX balance, a XXXX  XXXX with a {$43000.00} credit limit and XXXX balance, XXXX XXXX with a {$25000.00} credit limit, XXXX balance, a XXXX XXXX XXXX wit a {$5000.00} credit limit, XXXX balance, a XXXXXXXX XXXX XXXX XXXX  with a {$3000.00} credit limit, XXXX balance. I believe my utilization rate is well below 3 %. I pay off my balances when they are due and I have never missed a payment in my life.
Consumer complaint received 2024-03-27
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. (OH)

I recently looked at my credit report and noticed I have two late payments on an account that I was never late for. The account was on autopay. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account listed below with screen shots and dates. 

XXXX Account Name : XXXX XXXX XXXX XXXX Reported balance {$2500.00} Dates reported late XX/XX/XXXX and XX/XX/XXXX ( Due to a bank Issue ) Date of last payment XX/XX/XXXX Past due amount {$59.00} Account status Not more than two payments were reported as past due incorrectly Date Reported XX/XX/XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to be paid as agreed on time as they should be since I was never late. Thanks. Please see attached 2. Account Name : XXXX XXXX XXXX : XXXX Dates reported Late Incorrectly XX/XX/XXXX and XX/XX/XXXX Agent Mistake at XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-22
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. (GA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX BANK ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission.

According to 15 USC 1681, I have the right to privacy. 

According to 15 USC 1681s-2, 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-01-01
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. (OH)

I am filing a formal complaint against Equifax XXXX XXXX XXXX for clear violations of the Fair Credit Reporting Act and the Identity Theft Red Flags Rule. 

Despite providing comprehensive documentation and following the prescribed dispute process, Equifax has failed to address compromised accounts on my credit report. 

I submitted a thorough dispute to Equifax, including FTC reports, a police report, a state of XXXX XXXX XXXX, a social security card, and a handwritten letter specifying the compromised accounts I wanted blocked. 

Despite these efforts, Equifax has verified the accounts through an alternate process, and as a result the compromised accounts are still being furnished and my entire Equifax credit report is still profoundly inaccurate preventing me from becoming a first time home buyer. 

Equifax 's refusal to block the compromised accounts is a direct violation of my rights under the FCRA ( 15 U.S.C. 1681 ). The FCRA mandates accurate and fair reporting of consumer information. The accounts in question were reported as compromised, and Equifax 's failure to act appropriately contradicts the FCRA guidelines.Non-Compliance with Identity Theft In addition, Equifax 's actions raises my concerns about its adherence to the Identity Theft Red Flags Rule XXXX XXXX XXXX XXXXXXXX ). This rule requires financial institutions to detect and respond to potential identity theft indicators. By neglecting to block the compromised accounts, Equifax is not fulfilling its obligations under this rule. 

Lastly, when I compared the CFPB guidelines with FCRA I have concluded Equifax 's deviation from the documented dispute process outlined in my submission, Equifax has contradicted the guidelines set by the Consumer Financial Protection Bureau for handling identity theft disputes. 

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure Equifax complies with consumer protection laws. 

Specifically, I seek the following : A reevaluation of my dispute by Equifax, considering the evidence and documentation provided. 

Blocking of the compromised accounts as per my original request. 

Assurance that my credit report accurately reflects the resolution of this matter. 

Failure to address these concerns in a timely and satisfactory manner may necessitate further action, including seeking legal counsel and reporting the issue to other regulatory authorities.Thank you for your prompt attention to this complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am reviewing my credit report because I am in the process of buying a home and the report that I was given by the mortgage broker shows multiple account inaccuracies be it the payment history, account balance, date of last activity, and in some cases the very account number. So I am now requesting debt validation on these accounts, under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information 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
Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

Account Number : XXXX Originating Creditor : U.S. AUTO FINANCE, XXXX XXXX XXXX XXXX  Bought XXXX at XXXX XXXX XXXX, warranty, and gap insurance. Upon XXXX  week of obtaining XXXX had problems and had to use the warranty. In the meantime time went on while still under warranty and the XXXX begin to have other problems. The government shut down XXXX XXXX XXXX and Westlake Portfolio took over for the loan. Upon contacting them more than once via telephone they said they would not honor any warranties nor gap insurance.. time went on contacted them via telephone and nothing. Explained I was a XXXX XXXX  etc. Almost a year went by got only XXXX email ( thought it was spam at first and found it in the spam folder ) ... no home info sent no phone calls or nothing saying XXXX took over for XXXX XXXX XXXX  warranty to contact them.. contacted them explained vehicle had problems while under warranty but no one would honor it. Now they said well the vehicle is over mileage so nothing they can do to contact westlake but westlake says to contact them. We have a XXXX that is dangerous and not useable for an extended time that we keep paying on.
Consumer complaint received 2024-03-27
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. (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 Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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.