davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
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. (FL)

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 items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I'd followed up and reached to the original creditors, debt collectors and credit report bureau in regards to accounts that are no longer my responsibility. I still have provided paperwork to address my concerns. I'd previous made a complaint with one of my collection account and in response to my complaint the company had reassured me that they had updated and request removal in XX/XX/2018 and again this month XX/XX/2018, but when I'd contacted the credit report bureau that is over the account I had concerns about and they said they've not received any information from the company since XX/XX/2018. I'm tired of getting the run around about my credit report. I'm a single mom that is trying to build my credit to better my family. I've also informed the credit bureau that they still have old accounts on my credit report as well as reappearance accounts without proper notification and this is violation of FCRA. I've been denied credit due to my credit report not being properly reported.
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Good Day... And thank you for helping me with this issue on my Credit Profile. 

Credit is one of the most important part of our finances... so I thank you for what you do here at the CFPB! 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX called- XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXXXXXX ) I have over XXXX XXXX  in my XXXX XXXX and a very large following on social media. 

One of the things XXXX XXXX XXXX XXXX XXXXXXXX  is that many of the big banks have pre-qualification tools to help consumers see if they would be approved for Credit Cards WITHOUT taking an inquiry. 

That being said, I am well aware of XXXX, XXXX, Capital One requirements for approval. 

I now have been told by Capital One that i was prequalified for several of their cards ( approval attached ) therefore I applied - BOTH times denied for a card. I send hundreds of people to Capital One ever single month ... people with missed payments and bad credit are approved ... and somehow I am denied. 

I have over 20 credit cards with fantastic credit history, low utilization and a great mix of Credit. Cap One still denies me for some reason. 

I use all my credit cards wisely and responsibly and my credit profile / histroy shows that. 

If Capital one is going to deny me, I demand they remove the credit inquiries from both XX/XX/XXXX and XXXX XXXX XXXX XXXX 

I am very well aware that the prequal does not guarantee one may qualify for a new card, but with my profile ... and my 2 most recent cards granting me {$24000.00} and {$28000.00} Credit limits... there is no reason for Capital One to deny me. 

If they are going to deny me... I demand the inquiries be removed IMMEDIATELY I greatly appreciate your help on this matter... I understand how important credit is to all citizens of this country just like you... and I thank you for all that you do to help protect all consumers in this nation!
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX continues to report an account that was opened XX/XX/2015 after contacting them numerous times and having my attorney send a letter they finally removed the incorrect information from XXXX XXXX however it it still on Equifax. This car was included in our bankruptcy and needs to be removed.
Consumer complaint received 2023-08-07
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)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I filed multiple disputes with EquifaxXXXX XXXX Both CRAs keep reporting an auto loan ( XXXX XXXX  that was never late/paid on time ) they keep reporting a delinquent status on this account. But it has no late payments. I have tried to correct this account for 6 months. Initially, they removed the negative information and added it back to my account the next day. However, I am now still waiting for them to update this once again. I will attach proof of this information to this complaint. I have sent them bank statements and a letter from the creditor. I will enclose the valid letter from XXXX XXXX that was mailed to my address on XXXX XXXX XXXX XXXX XXXX XXXX Equifax representatives are not taking any action to fix this account. XXXX is not updating any information. It's an ongoing dispute process for months.
Consumer complaint received 2023-08-07
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. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FLXXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Our ATM withdrawal XXXX is {$800.00} On XX/XX/XXXX someone withdrew {$2000.00} of our checking account through an ATM. I called the bank next day ( when we saw the transaction ), and they opened a ticket. 
That same day, before the $ XXXX were stolen, there where some shady transactions for very low amounts, one charging and the other one reimbursing. Because of the way Bank of America works, those transactions dont longer appear in my history ( like they had cancelled each other ). 
This morning ( XX/XX/XXXX ), the bank finally gave us our $ XXXX back. After the $ XXXX credit cleared in our account, later today, there were a couple of those small shady transactions, and a big withdrawal of {$2500.00}! AGAIN FROM AN ATM! 
Those two weeks it took the bank to give us our money back generated financial stress on me and my husband, since we had to tap in our Savings account to pay the rent. That savings account has the money for the down payment of a house we are in process of buying. Now, again, we are short for our down payment! This has to be an inside job from the bank, given the timeline and that our withdrawal limit is {$800.00}. The bank tell us they were using the virtual teller in the ATM to extract money Please help.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Eastern Account Systems of Connecticut, Inc. (CT)

XXXX5 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' EASTERN ACCOUNT SYSTEM financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, EASTERN ACCOUNT SYSTEM whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (OH)

I was notified that Chase Bank approved a XXXX Credit Card in my name without my permission. I requested they cancel it and provide me root cause. I wanted any documentation providing the reason this card was opened in my name. I want the timeline of events and any information that will help me identify the person who stole my identify or I want them to tell me they did it by mistake. They refuse to do so unless I go out to multiple websites they own and fill out multiple pages of requests. I said I can not do that and made a verbal request and they refuse. It should be the sole responsibility of Chase to provide all information pertaining to this error, regardless of what format the request was made, until I am satisfied. I should not having to jump through hoops designed to fatigue people into just giving up. I want a documented account of the investigation so I know how this occurred and can decide what to do next. THis is fraud. This is illegal, I deserve answers without having to go to multiple websites, credit bureaus, and down right disregard for what is right. Furthermore, if Banks should not be allowed to provide such cumbersome process to get information based on mistakes they made. They should be required to provide any assistance needed, in any way or format, to rightsize the issue.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ID Analytics, Inc. (TX)

I was informed by a lender that I have unsecured debts of {$5200.00} reported by XXXX XXXX, a collection agency. 

The credit card ending XXXX. 

I did not authorize anything. I don't have the card. 
I do not know if scammers are using the card. 
I have no idea what {$5200.00} is for.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (VA)

Wrong Addresses are on the account. I've called and changes have not been made. Also I'm getting mailed and credit information with my address but another person 's name that does it reside here. I also have accounts that need to be closed that are still open.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (GA)

I am filing a formal complaint against NATIONAL CREDIT SYSTEMS for egregious violations of the Fair Credit Reporting Act ( FCRA ), Code of Federal Regulations ( CFR ), and the Privacy Act of 1974. These violations pertain to the unauthorized disclosure of my nonpublic personal information to non-affiliated third parties without proper notice or consent, a clear breach of privacy regulations outlined in the aforementioned laws. Congressional Findings and Compliance Obligations : 15 U.S. Code 1681 emphasizes the critical importance of fair and accurate credit reporting for the efficiency of the banking system. It mandates fair evaluation of consumer information by reporting agencies and stresses the significance of consumer privacy protection. Consumer reporting agencies are legally obligated under 15 U.S. Code 1681e to implement procedures ensuring the highest accuracy of consumer reports. NATIONAL CREDIT SYSTEMS disclosure of inaccurate information violates these obligations and breaches statutory provisions. Details of Violations : 1. **Disclosure of Nonpublic Personal Information : ** NATIONAL CREDIT SYSTEMS without obtaining requisite consent or providing proper notice, disclosed my personal information to non-affiliated third parties namely XXXX . This action directly violates the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the FCRA ( 15 U.S. Code 6802 ). 2. **Failure to Provide Opt-Out Opportunity : ** I was not offered the opportunity to opt out of the disclosure of my nonpublic personal information, as mandated by the FCRA 15 U.S. Code 6802 ( b ), exacerbating the violation. 3. **Continued Right to Opt Out : ** As per 16 CFR 313.7 ( f ), I reserve the right to opt out at any time, a privilege denied to me by NATIONAL CREDIT SYSTEMS actions. 4. **Exclusion of Transaction and Experience Information : ** NATIONAL CREDIT SYSTEMS included transaction history within reported information, violating the exclusionary provision of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The unauthorized disclosure of my personal information by NATIONAL CREDIT SYSTEMS has caused significant financial and emotional distress, disrupting my life.

Enclosed are supporting documents detailing the violations and their impact on my financial and emotional well-being. I appreciate your attention to this matter and await your prompt action.
Consumer complaint received 2024-01-16
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. (MD)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) # XXXX UNAUTHORIZED INQUIRIES : 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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I reached out and placed a complaint with the cfpb about two or three weeks ago. About the fact that the credit reporting agencies failed to respond to numerous letter that had been sent. XXXX sent on the XXXX and another on the XXXX of XXXX. Many letters were sent before that but these are the XXXX I would like to focus on because these are the XXXX I made complaints. About. The agencies are required to respond within 30 days and they did not in fact I made that co plaint to the cfpb and during the investigation time that's when they decided to send letters but their 30 day period to respond had already finished I would like the cfpb to require these agencies to remove my information since they have not been able to verify the necessary accounts listed under my name.
Consumer complaint received 2023-04-13
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. (GA)

In accordance with the Fair Credit reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : # 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 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AZ)

XX/XX/2023 my XXXX was hacked from someone in GA I tried finding the phone number on XXXX but couldnt find it so I XXXX it. I thought it was legit but doing all the steps they told me to do they scanned mine out of my acct I sun realized something wasnt right so I hung up I disputed the money on the XXXX XXXX and the bank. They have the money back but today I got an email stating they investigated and were taking the money back out of my acct.
Consumer complaint received 2024-01-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: EQUITY LOANS LLC (FL)

Our lender refinanced our home but missed the deadline date and had us back date the loan documents then they sold our loan even though it says in the contract they would not. Then they sent the homeowners check to the wrong insurance company causing our homeowners insurance to lapse for 4 months then the next day placed PMI insurance on our Va loan even though they knew our homeowners company went solvent and had a new one. They then charged us all these extra escrow fees PMI insurance late fees and sent us a satisfaction release and discharge. I have all the evidence we need help we are now behind bc of all these fees and PMI insurance
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Subject : Dispute and Request for Resolution Regarding Unauthorized Credit Reporting Dear XXXX XXXX XXXX XXXX, I am writing to address a serious matter concerning the unauthorized reporting of an item on my credit report, which appears to be in violation of both federal and Alabama state laws, particularly those pertaining to consumer consent. 

I want to emphasize that, even in the event of a permissible purpose, the consumers consent is indispensable. I explicitly deny providing consent for the reporting of the mentioned item, making the unauthorized reporting a breach of my privacy rights and constituting identity fraud, as stipulated in 15 USC 1681a ( 2 ) ( A ) ( I ).

Alabama Code Section 8-6-19 reinforces the requirement for explicit consumer consent, making any unauthorized reporting a violation of state law. Furthermore, 15 USC 1681s-2 ( a ) ( 1 ) ( A ) imposes a duty on furnishers of information to ensure the accuracy of the information provided to credit reporting agencies and requires obtaining consumer consent.

Additionally, I have not received proper debt validation, indicating potential bad business practices. According to Alabama Code Section 8-8-17, proper debt validation is a requirement, and the absence of such validation constitutes a violation of my rights under state law. This aligns with 15 USC 1681g ( a ) ( 1 ), which mandates that consumers have the right to request and receive validation of debts and provides that the consumers consent is required for certain disclosures.

Upon careful examination of my credit report, I discovered discrepancies in the amount owed across all three major credit bureaus, leading to a misrepresentation of the debt. Alabama Code Section 8-8-18 addresses misrepresentations of this nature, and 15 USC 1681i ( a ) reinforces the consumers right to dispute inaccurate information, ensuring that any corrections made are with the consumers consent.

I urgently request the immediate removal of this unauthorized and unverifiable item from my credit report, as it is adversely affecting my creditworthiness. The lack of my consent for the presence of this item makes it unverifiable, and its continued presence tarnishes my credit. I expect this matter to be resolved promptly to mitigate any further damage to my credit standing.

I anticipate your prompt attention to this matter and request a detailed response outlining the steps taken to remove the unauthorized item from my credit report.