davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

On XX/XX/2024, after a request was made to a creditor XXXX XXXX to manually update my credit report, EQUIFAX updated an account to show a {$0.00} balance, per the creditor request. This was an accurate accounting of the creditor account. On XX/XX/2024 EQUIFAX then reported the account was back at the balance previously reported on XX/XX/2024 when the 30-day cycle runs for credit reporting. I spoke with the creditor and they never made this request, and reconfirmed that the last request they sent to EQUIFAX was for the XX/XX/2024 update to a {$0.00} balance. I am trying to purchase a house and any inaccuracies present an issue to any approval from my lender as well as my credit score. 

It appears a dispute was also investigated related to this account where Equifax reports that the creditor stated the account balance was at XXXX as of XX/XX/2024. But that would be impossible as EQUIFAX updated the balance correctly on XX/XX/XXXX to {$0.00}, after a manual request was sent to them by XXXX, but then EQUIFAX changed that balance to what was reported previously, which was incorrect and inaccurate. This is an ongoing concern where EQUIFAX does not investigate disputes and rather uses the last date of reporting to certify they have investigated the matter. I have evidence and documentation proving this even recently where they said they conducted an investigation into unauthorized inquiries that continue to be on my credit report, but sent me correspondence that stated they could not find the inquiries on my report ; yet they were clearly there.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

EQUIFAX CREDIT COMPANY IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT FILE I HAVE NOTIFIED THEM OF THE FRAUD ON XX/XX/XXXX, AND XX/XX/XXXX AND THE FRAUDULENT ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT AS OF TODAY XX/XX/XXXX. I AM A VICTIM OF ID THEFT FROM EQUIFAX DATA BREANCH
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I AM A LIVING PERSON PLEASE DON'T CLOSE OUT MY COMPLAINT WITHOUT FULLY INVESTIGATING. PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER I AM OPTING OUT OF ANY AND ALL AUTHORIZATION. I THE CONSUMER HAVE GIVEN WHETHER VERBAL, WRITTEN OR NON-VERBAL PER 15 USC 1602. I HAVE IDENTIFIED ACCOUNTS ON MY CREDIT THAT ARE RESULTS OF IDENTITY THEFT. THESE ACCOUNTS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME. I HAVE READ THAT I HAVE RIGHTS TO HAVE MY INFORMATION BLOCKED AND REMOVED PURSUANT TO 15 USC 1681 c-2. PLEASE HONOR MY REQUEST AND REMOVE THESE ACCOUNTS IMMEDIATELY.
Consumer complaint received 2023-09-17
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. (PA)

Received a update on my credit report that someone pulled my credit from Transunion : XXXX XXXX XXXX XX/XX/ Location XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual
Consumer complaint received 2024-05-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Hi, I obtained a loan in the amount of {$61000.00} from Dividend Financials for solar panels at a fixed rate of {$5.00} that compounds daily. I was informed that I would receive a 30 % tax return, about {$18000.00} in XXXX ; however, when I filed my return, I did not receive that amount. I then realized that I would only receive a return commensurate to the amount I paid in tax in XXXX. Even though I informed the Dividend Financials representative that I did not receive {$18000.00}, they continually informed me that I have to pay that amount back by XXXX of this year, XXXX, or my monthly payment amount will increase. I even said I would pay extra to the principals, but they would not allow me and stated any extra would got towards the interest. Also, I was not aware that I was paying much less than the monthly principal ( P ) and interest ( I ) which was over {$300.00} ; I found that I owed over {$600.00} on the interest when I asked to apply extra to the principal. The loan was structured so that I paid {$280.00} instead of meeting the full monthly amount to cover P & I. 

They structured the loan so that the interest amount was not being met monthly because the payment amount was much lower than that limit. I also did not know this until long after I was making payments. As a result, I was continually owing on the interest rate, and this also caused no amounts to be paid towards my principal ; to date, my principal is still {$61000.00}. The longer I take to make these payments, the more interest they are accruing, and this is a scam structure and not fair. 

I need help to stop this kind of misleading and scammy presence. They need to be sued for fraudulent business practices. I hope you can assist me, please. 

It is worth noting that approximately 10 Attorney Generals from different states, including Illinois, where I currently live for my military assignment, joined to put a stop to this practice.
Consumer complaint received 2023-12-13
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. (MA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2024-01-17
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. (IL)

My chief complaint is that I am experiencing difficulties with the credit bureaus complying to my request to a ). delete inaccurate information from my credit report, and b ). furnace proof of their investigations into the inaccuracies. To date, there has been no resolution and these companies are in direct violation of my consumer rights. I have submitted a previous complaints over the course of the last 9months and counting, via regular mail, and through the online dispute portals. I have also furnished proof of the multiple inconsistencies reported across my credit reports, yet the credit reporting agencies are affirming that it is verified an accurate ( see attachments ). How is this possible? I have a firm reason to believe they are not doing a thorough job in their investigations, nor are they providing me with evidence of their investigation, which I have requested on multiple occasions. All of these accounts ( XXXX-as reported to XXXX and Equifax ; XXXX and XXXX-reported to XXXX, Equifax, XXXX ) listed in my documentation are reporting inaccurate information to the three credit bureaus which is detrimental to my financial health. 
Previously I have submitted disputes but I am encountering the same results with each bureau either reporting it as verified or unchanged. However, I challenge that as incorrect/not legitimate as it only takes a quick look at the reports, to see that something is amiss. They have a responsibility to report verified, fair and accurate information and they are not doing so. I also reached out to the creditors and they are unable to provide assistance. I did receive correspondence from the bureaus and I will attach it in the attachments section of this complaint form.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (OH)

I took notice of wildly fluctuating interest charges on my CareCredit card. I chatted with an assistant on phone, was texted that promotion period had expired. I understood that one, but other weird promos that werent disclosed to me. One month its been as like XXXX, then XXXX something, then XXXX, then XXXX something, it keeps going up! Ive been paying on this for sometime now, and the principal hasnt dropped. They also said maybe I need to go talk to my vet ( I used the card for XXXX XXXX XXXX XXXX  ) I will send copy of charges soon
Consumer complaint received 2024-01-17
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)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

First I get a text masssage it says did you attempt to XXXXXXXX XXXX if not you you get to reply no and after 1 hourI get a call from scam by Wells Fargo customer service number and he told me he is calling me from Wells Fargo office and he asked me if I am trying to send money and I said no he said ok dont worry I will assist you I said ok and he told me to read for him if I get verification code in my phone and I read for him and my money after I read my email was gone XXXX XXXX
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I called on the XXXX XXXX XXXXXXXX and had a conversation as to why did they put a {$78.00} hold on my account. THey then put everything else I had on hold for 72 hours. I went into the bank to close and they said i had to wait till the hold was lifted off. Now they have p ; ut another hold on my money.They have been rude and cant give me a good explanation as to why they are doing this. THey simply said because we arent giving you your money. Now I cant access my money or close the account.
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX CARD XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2023
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2023 I received an email from the company stating that they were permanently deactivating my account because my actions and inquiries were in violation of their agreement. They further said that the funds in my account would be held for 180 days for loss prevention purposes. They would contact me should these funds be available. Today 's email said that this case was closed and they will no longer reply to my inquiries. 
I have never received anything from them explaining the reason for this decision, no proof or examples of anything I did wrong. They have been very evasive about details and flippant about returning my money. There was {$280.00} at the time they closed the account and there is the same amount now.
Consumer complaint received 2024-05-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: TRUIST FINANCIAL CORPORATION (NC)

Requested Home Equity Line of Credit of $ XXXX. House worth $ XXXX. Per Truist Bank my credit rating is XXXX. Provided all requested documentation with application on XX/XX/year>. Truist declined $ XXXX and countered with $ XXXX citing Excessive obligations in relation to income. We have no debt or obligations of any kind and pay off credit cards each month. Called XXXXXXXX XXXX XXXX  Truist representative XXXX XXXX on XX/XX/year> stating my displeasure and asked for an explanation and was told she would talk to her bankers. After a second call on XX/XX/year> with XXXX XXXX failed to provide any answers I wrote her an email on XX/XX/year> formally requesting in writing exact monthly payment amounts for the requested $ XXXX and the approved $ XXXX. Given we have no other debt I was trying to determine how we exceeded the 50 % Debt to Income ratio they claim. Our Net monthly income is {$5000.00} plus we have over $ XXXX in cash and IRA holdings. Instead of providing the monthly amounts XXXX XXXX sent a reply quoting percentages but without actual amounts requested. I again wrote XXXX XXXX on XX/XX/year> requesting the monthly payments. Two replies from XXXX XXXX resulted in vague references about referrals to a underwriter but to date Truist Bank has failed to provide specific interest only monthly payment amounts requested to justify their declination of our loan request of $ XXXX.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am writing to bring to your attention serious concerns regarding inaccuracies in my credit report, as reported by Equifax, XXXX, and XXXX. It has come to my attention that these credit reporting agencies are in violation of 15 USC 1681 and 15 USC 1666b by incorrectly reporting late payments from XXXX XXXX  XXXX, XXXX XXXX, and XXXX on my credit profile. 

Additionally, there is an entry from XXXX XXXX that does not belong to me, and I am requesting its immediate removal from my credit report. I believe this inaccurate information is not only damaging to my creditworthiness but also a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I request the removal of any inquiries that are not attached to open accounts. My personal information was compromised in the Equifax data breach, and as a result, I am concerned about the potential misuse of my credit information. Removing unauthorized inquiries will help protect my credit profile from any further harm. 

I have previously written to XXXX regarding certain discrepancies in my credit report, and to date, I have not received any response. As per the FCRA, it is my understanding that prompt attention and resolution are required in such matters. I request that XXXX address and rectify the issues raised in my communication promptly and ensure the necessary corrections are made to my credit report. 

I kindly request the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate action to ensure compliance with the relevant statutes. The inaccurate reporting by these credit bureaus, the inclusion of unauthorized inquiries, and the lack of response from XXXX have adversely affected my financial standing, and I am seeking resolution to rectify these issues promptly. 

Enclosed with this letter, please find copies of the relevant sections of my credit reports highlighting the inaccuracies and unauthorized inquiries in question. I believe that a comprehensive review of the provided documentation will support my claims and prompt the necessary corrective actions. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will work diligently to rectify these credit reporting errors. Please inform me of any steps taken and the resolution reached. 

Thank you for your prompt assistance in this important matter.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

There was a capitol one credit card that showed up on my credit report. I do not have a cap one account or a card. I never opened a cap one account. This is fraud. Please remove this from my report. I will include the police report.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

ATTN : CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam XXXX This correspondence pertains to the application submitted on XX/XX/2024, reference no./application XXXX, for which an adverse action letter was received on XX/XX/2024. Please be informed that the adverse action offer is hereby rejected. It's imperative to note that a credit application is deemed a financial asset ( 12 CFR 360.6 ( 2 ) ), as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Therefore, the adverse action taken is in contravention of the following regulations : 15 U.S.C. 78j, 15 U.S.C 78ff, 15 U.S. C 1691 ( a ) ( 3 ), 18 U.S.C. 241, 18 U.S.C. 242.

For reconsideration, I propose an open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with a maximum allowable as per applicable law ( 15 U.S.C. 1602 ( ) ). The balance will be reset to zero monthly through the special deposit of interest-bearing coupons associated with the itemization statement. It's important to emphasize that this instrument is a non-cash item ( 12 CFR 210.2 ( k ) ).

The final offer provided is non-negotiable, and relief and remedy from default may be achieved through a servicing contract/self-liquidating paper under regulation z for a finance charge. Please note that any refusal to honor this counter-offer must be communicated via written correspondence within Five ( 5 ) calendar/business days from the receipt of this notice. This statement is conspicuously presented ; please do NOT ignore. 

This serves as your opportunity to rectify the situation, as well as your notice of default for the servicing of the credit application. 

For clarification, " You '' pertains to Capital One Financial Corporation and any of its agents, affiliates, subsidiaries, assignees, etc. Please refrain from contacting me through any means other than written correspondence. Failure to comply may result in billing.

Kindly be advised that legal proceedings may be initiated if the terms outlined in this notice are dishonored. 

Remember, notice to the agent is notice to the principal. Notice to the principal is notice to the agent. 

Sincerely, XXXX XXXX This letter was sent by certified mail to the company in question in response to an adverse action sent to my home which broke multiple laws. 
Letter in question was recieved by the company XXXX XXXX XXXX with response. I will be taken legal action at this time against the company as stipulated in my outgoing letter to them.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Regardless of the multiple written requests, the unverified accounts listed below I do not consent to XXXX or any means of automated verification, are still reporting on my credit reports in violation of federal law. The XXXX Credit Bureaus failed to comply with the FCRA 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I XXXX XXXX experienced fraudulent activity on my checking account via debit card transactions via atm and bank withdrawals on XXXX XX/XX/24. I did not lose my debit card at anytime and have the debit card in my possession currently. On XX/XX/24 I noticed a card replacement fee on my account. From then on a total of {$3700.00} had been deducted from my account by atm, bank withdrawals and purchases with my debit card pin over a XXXX hour period. I did not make these transactions. These transactions were done by someone else who hacked my account. I called Chase immediately to notify them of the activity. Chase noticed there were suspicious phone numbers added to my account as well as a address in XXXX, which is XXXX XXXX XXXX, XXXX XXXX NY XXXX Chase also noticed a suspicious person was calling to inquire about my account. Chase restricted my account and opened a new one. Chase refuses to reimburse me the stolen funds and is making me pay for the stolen funds. Chase refuses to check surveillance footage of the scammers accessing my account via atm and bank withdrawals. Chase does not acknowledge police reports as evidence. Chase does not acknowledge pin transactions as fraud.