davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (RI)

On XX/XX/23 I called equifax requesting information on an on going dispute and complaint. I spoke to XXXX XXXX ID XXXX. I asked XXXX XXXX ID XXXX about my dispute regarding three hard inquiries. He then stated the companies I was disputing and then went on to inform me they needed additional documents ( social security and drivers license ) to delete those unauthorized hard inquiries from my consumer report. Once I informed him that those additional documents were submitted alongside the complaint and dispute. I then proceeded to give him the complaint and dispute reference number and was then told no complaint or dispute in existent. XXXX XXXX ID XXXX clearly was going back on his dialogue since he mentioned the inquiries I was disputing at the beginning of the conversation. I kept on asking questions which he was not able to answer due to incompetence. I was on the phone with XXXX XXXX ID XXXX for almost two hours to then be rudely hung up on. Furthermore this Equifax customer service rep was very unprofessional. Along side this complaint I have attached a couple of documents regarding this matter. There are many violations under the Fair Credit Reporting Act. I take my financial well being very seriously and need all inaccurate information removed from my consumer report. In accordance to the Fair Credit Reporting Act there's a plethora amount of violations going on. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. I need all of these frivolous inquires removed from my consumer report Immediately.
Consumer complaint received 2024-05-13
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: SANTANDER HOLDINGS USA, INC. (TX)

In XXXX, I noticed several fraudulent inaccuracies on my account. I then filed an identity theft report and sent all the supporting information to the company. The inaccurate, fraudulent information is hurting my ability to obtain new credit and affecting my ability to retain current credit lines. My credit score has decreased significantly. It is my understanding that you must investigate the items to ensure accurate and proper reporting. 
I requested another investigation and the immediate removal of the fraudulent Santander Consumer USA account listed under my social. 
The company could not have possibly conducted a proper investigation. The Santander Consumer USA account under my social security number does not even match my name on my social security card. I have only owned ONE vehicle in my entire life and I have the title, which I also provided to the company. That car was also NEVER, at ANY time, financed through Santander and paid off over 4 years ago. 
I am requesting a real and THOROUGH investigation! 
Begin with the NAME PROVIDED! It is NOT my name! I have never had insurance or anything tying me to this fraudulent account/vehicle. I can provide proof of insurance on MY TITLED vehicle from the day I purchased it to today 's date. I am not even a resident of the state that vehicle was allegedly purchased in. 
I am demanding an IMMEDIATE deletion!
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

The complaint against Wells Fargo WF XXXX that was closed WF was meley mouthed and was unwilling to do its job protect me the consumer of course the payments went out by XXXX  However as i Have already pointed out the XXXX payments for the {$1400.00} were the result of an employment scam. I was trying to get a much needed srtay at home job. I worked two years for a major ca bank we were trained that we were to protect the customer against suspicious or unauthorized, The bank reimbursed the customer always no haggling or going back and forth like WF IS DOING Here.
Consumer complaint received 2023-12-19
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. (TN)

My personal information and credit report, which involves violations of multiple provisions of the United States Code specifically, 15 USC 1681b, 15 USC 1681a, 15 USC 6801, 15 USC 6802, and the GLB Act. I am also referencing the potential penalties outlined in 15 USC 1681n. It has come to my attention that my credit report contains transactions and experiences that not only are NOT allowed in the report, but that were submitted without my written authorization.
Consumer complaint received 2023-12-19
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. (DC)

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 name : # XXXX, Account name : # XXXX, Account name : # 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 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.
Consumer complaint received 2018-11-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NAVY FEDERAL CREDIT UNION (CA)

My car was repossessed by Navy Federal Credit Union. The account was charged off. The information in regards to account was incorrect and the creditor did not send me any information about the sales of this vehicle. Under the State of California, Fair Credit Reporting Act and Federal Trade Commission the creditor did not provide me any information.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX and myself have settled the debt. I have a signed pay for deletion letter that was honored by XXXX and XXXX ( Both credit Bureaus have removed this account XXXX XXXX Account Number # XXXX I would like this account removed as it is not accurate and has been settled for removal over 4 years ago. Please see payment agreement letter and recent credit report. 

My rights have also been violated due to Equifax not providing validation of the account and showing the in accuracies..
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have requested to XXXX  to validate and verify the negative account they arereporting on my personal credit profile, including providing an acknowledged agreementand transaction history of how that balance was calculated. They have refused to provide this or any copies of documentation verifying this account, yet they have been willing to put this unverifiable debt on my credit report.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (IL)

On XX/XX/24 {$200.00} was taken fraudulently from my checking account via my debit card through SoFi bank and used to fraudulently make XXXX purchases of $ XXXX totalling {$200.00}. I have tried over XXXX times to get sofi to return my money. The {$200.00} is still, to this day, sitting in my XXXX play account, completely untouched. I've reached out to XXXX play multiple times to report the fraud and request a refund, and I was told, every time, to reach out to my banking institution. SoFi has refused to return my {$200.00} and claims that I failed to send in any documentation, but I have several emails showing all the documentation that was sent, they've failed to tell or send me any documentation showing why both my initial dispute and the appeal were denied. I have also been told over phone, not requested by email, that more documentation was requested yet I never received the email and nobody on phone would tell me what documentation is being requested. As soon as I reported the initial unauthorized use of my debit card, SoFi immediately cancelled that card and sent a new one in the mail. I am now on my XXXX appeal of this, with no answers, still no communication as to why my appeal was denied, when it was denied, and why I was not notified within their XXXX  day time period. They are a horrible bank that seems to have an " invisible '' back office that supposedly makes ALL the decisions yet can not be contacted by customers or the Sofi account managers or representatives. You'd be better off allowing the local crack head handle your money and investments, honestly. STEER CLEAR of SoFi at ALL costs!
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRUIST FINANCIAL CORPORATION (GA)

Hi, Im authorizing this complaint on my own behalf. I am writing to express my extreme frustration with the lack of response FROM XXXX regarding my report investigation into discrepancies on my credit report. I cant believe you guys are taking advantage of me. I AM VERY UPSET. The credit bureaus have not responded back to me about my investigation. I sent a letter and it has been more than 60 days outlining the issues.. I need these accounts deleted. These are the items Im demanding to be deleted immediately : - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -TRUIST BANK XXXX
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Date : XXXX XXXX XXXX  Re : XXXX XXXX XXXX XXXX XXXX Re XXXX XXXX Complainant : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Credit Card Company 1 XXXX Improper use of my ( Social Security Number XXXX ) 2. Pursuant to Fair Credit Reporting Act XXXXTitle 15 U.S.C. 1681 section 602 3. My privacy right 's is being violated. ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) 4. Title 15 U.S.C. 1681 Section 604 ( a ), Section 2 Written Instructions Rule Violated. I did Instruct Negative Items To Be Reported 5. Title 15 U.S.C. Section 1666 ( b ) Open End Credit Cards, may not be reported late.
Consumer complaint received 2023-12-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: OLD NATIONAL BANCORP (IL)

I been struggling for over a year now with this company that keeps making billing errors, ignoring my certified letters and refuse to communicate with me properly on paper! 
See all the letters submitted attached. 

They are showing reversal of payments on statements then reapply while I never received no reversals ( I questioned their accounting methods many times ), they received a draft payment on XX/XX/2023 Before the due date and never applied it ( proof of usps reception ) yet sending me collection letters for their incompetency. 

Letters of disputes sent : XXXX XXXX - UNANSWERED AS OF TODAY XX/XX/2023 - UNANSWERED AS OF TODAY XX/XX/2023 - UNANSWERED AS OF TODAY I put them on notice for over 3 months now that if I didn't received updated statement and an answer I would start filling a claim to CFPB and initiate Arbitration claim. 

I follow the law, the regulations and they keep violating my rights, commit billing errors and questionable methods of accounting, still no proof of contract and no valuable consideration to start with! I am really frustrated of the time wasted doing all this dispute letters to prove my good faith and good standing.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

Dear Consumer Financial Protection Bureau, On XXXX I initiated a dispute with Wells Fargo Bank concerning fraudulent charges that were made in my checking account. However, rather than conducting a thorough investigation, Wells Fargo Bank hastly denied my claim in less than 24 hours on XXXX ( Screenshots Attached ). As can be seen in documents provided the disputed transactions are highlighted which include 25 transactions between XXXX and XXXX.It is evident that Wells Fargo Bank did not take the necessary time to conduct a diligent investigation into my dispute especially with charges being made in another state ( New Mexico ) which I've never been to, which was told to the customer service agent I spoke with over the phone. Overall the swift dismissal of my claim suggests a lack of genuine consideration I urge the Consumer Financial Protection Bureau to launch a full investigation into Wells Fargo Bank 's dispute resolution practices and to hold them accountable for their negligence.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I am getting calls from this number. When I answer they hang up. I called the number back and they answered as a law firm Mitchell and DBluhm. They have called several times. I called back to tell them to stop contacting me as I am not the person they asked for when I called them back to see who/what was calling and not answering/hanging up. No information was given other than insisting that I verify who I am, which means they do not know my information and I would like to know how they received my information as the number is listed on the XXXX list.
Consumer complaint received 2023-12-19
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 (OH)

In accordance with the Fair Credit Reporting Act Capital One has violated my rights under 15 USC 1618 section 6 o 2 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

12 CFR 1022.24 - Reasonable opportunity to opt out.

CFR Table of Popular Names prev | next 1022.24 Reasonable opportunity to opt out.

( a ) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation to the consumer about your products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by 1022.21 ( a ) ( 1 ) ( ii ) of this part.

( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt-out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means.

( 2 ) By electronic means.

( i ) The opt-out notice is provided electronically to the consumer, such as by posting the notice at a Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means.

( ii ) The opt-out notice is provided to the consumer by email where the consumer has agreed to receive disclosures by email from the person sending the notice. The consumer is given 30 days after the email is sent to elect to opt out by any reasonable means.

( 3 ) At the time of an electronic transaction. The opt-out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on a Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted.

( 4 ) At the time of an in-person transaction. The opt-out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt-out preference or that requires the consumer to check one of two blank check boxes ; one that allows consumers to indicate that they want to opt out and one that allows consumers to indicate that they do not want to opt out.

( 5 ) By including in a privacy notice. The opt-out notice is included in a Gramm-Leach-Bliley Act privacy notice. The consumer is allowed to exercise the opt-out within a reasonable period of time and in the same manner as the opt-out under that privacy notice. 
XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

The inquiries below does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI