davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
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. (FL)

Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2024 Dear, Equifax I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry XXXX XXXX  - Inquiry Date : XXXX XXXX- XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : XXXX. Unauthorized Inquiry : I have not given consent to Equifax or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
XXXX. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
XXXX. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. 
Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. 
Please provide me with the following information upon completion of your investigation : XXXX. Confirmation of the legitimacy of the hard inquiry. 
XXXX. The source of the inquiry. 
XXXX. Steps taken to rectify any errors or inaccuracies in my credit report. 
XXXX. Verification of the removal of the disputed hard inquiry from my credit profile. 
XXXX. Updated copy of my credit report reflecting the amendments made. 
I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 
Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 
Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame.
Consumer complaint received 2024-03-28
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)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1400.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to express my profound disappointment regarding the inaccurate and incomplete credit information that you have reported about me. Your failure to uphold reasonable procedures to ensure the highest possible accuracy in the credit reports you distribute has caused me considerable distress. 

I insist that the following information be promptly investigated and removed from my credit profile. Furthermore, I demand that you provide evidence of this alleged item, specifically the contract, note, or any other document bearing my signature. Should you fail to provide such proof, the item must be expunged from the report without delay : XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-06-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: VYSTAR CREDIT UNION (FL)

Back XXXX, my bank systems were down from XXXX to XXXX of XXXX. In this time I did not have much access to my accounts. During this time they marked my auto loan account as 30 days late for each month their systems were down. I reached out to the bank on two different occasions with them basically telling me its nothing they can do about it and they were not going to change anything they reported to the credit companies. I reached out to them in XXXX of XXXX as well as XXXX of XXXX. All payments were made once I had access to my account. It is not my day that the bank systems were down that long and I should not be punished for problems on their end. This is not a problem with the credit companies, but the loan holder and their fairness
Consumer complaint received 2017-12-31
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: BMW Financial Services NA, LLC (NY)

Yesterday eveningXX/XX/XXXX, I submitted a pre-qualification application via their " Structure a Deal '' option which states " Skip paperwork! Save time at the dealership by doing the work from home! '' for a XXXX XXXX ( XXXX XXXX # XXXX ). Per the website ( XXXX ) a pre-qualification will not affect credit reporting- instead it would give me a rough estimate of my payment, with no consent to run my credit. Today,XX/XX/XXXX I drove to the dealership with the anticipation of purchasing the vehicle mentioned above. The dealership opened at XXXX EST and I arrived around XXXX EST. While in the dealership waiting for a sales representative, I receive a call from a XXXX at the dealership telling me that the vehicle ( mentioned above ) was sold yesterday, XX/XX/XXXX After receiving a second confirmation ( from XXXX ) that the vehicle was sold, I informed that the pre-qualification application is null and void since the vehicle was no longer available. Both of the gentleman informed me, since the vehicle was sold, it would not be processed and my credit would not be affected. After receiving verbal confirmation and email confirmation that my credit report will not be accessed nor would I get an inquiry, I get an email from my Credit Monitoring company at XXXX EST stating my credit report was accessed. This dealership was well aware that the vehicle was sold and accessed my credit report without my knowledge! I tried contacting the dealership on several occasions after receiving the alert and they continued to disconnect the phone on me. This is bad business and if this does n't get resolved within the next 2 business days, I will be contacting the BBB and filing a legal complaint under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C, Section 1681. This inquiry needs to be removed!
Consumer complaint received 2023-02-24
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : 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 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 2023-01-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Earnest Inc. (CA)

I am a victim of a financial crime. I am also a creditor in the blockfi bankruptcy. I have notified XXXX multiple times that I will not be making payments so long as the bankruptcy is ongoing. 

XXXX reps do not listen to or comprehend anything I say and have been XXXX XXXXXXXX and even called to XXXXXXXX XXXX  on new year 's eve.
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (GA)

Mr. Cooper fka Nationstar has reported my mortgage late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The home was sold and closed on XX/XX/XXXX. I have been told that it will be updating my credit report. As of now it has still NOT been corrected, nor will they provide me a letter stating that it is their error and that it is being corrected. I am trying to obtain a new mortgage and can not move forward because of them
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

Company refuses to comply and requests additional information on behalf of survivor. [ ] As explained in the section-by-section analysis of XXXX ( f ) below, the final rule requires a consumer reporting agency to provide written or electronic notice to the consumer within five days of reaching a final determination on a submission. The Bureau is implementing a multi- step process that a consumer reporting agency must follow when it receives a submission under XXXX ( d ) ( XXXX ). First, XXXX ( XXXX ) ( XXXX ) provides that a consumer reporting agency has four business days from receipt of the consumers submission to block items of adverse information identified by the consumer or their representative from appearing in a consumer report.The Bureau does not believe that this provision of the TVPA conflicts with section 605C or the final rule since section 605C, among other things, does not require an official certification from the Department of Health and Human Services ( HHS ) in order to block adverse items of information from a consumer report that resulted from having been trafficked.
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX I checked my bank account and realized that there were several unauthorized Wire Transfers ( {$4200.00} and a couple others ) and one XXXX transaction ( {$990.00} ). I called my bank ( Wells Fargo ) immediately. They informed me that these transactions were initiated from my mother 's account who has joint ownership of my account because I had opened this account when I was a minor. They said that they would start a transaction and that the Wire Transfers had not been fully processed, and because I had called them in time, all the wire transfers would not go through. They said the XXXX transaction had gone through but they would work to recover it. All of this call is recorded somewhere at Wells Fargo ( but not on my end ). I was skeptical so I asked them to confirm at the end of the call that the XXXX Transfers would not go through at all and they confirmed this. 

They helped me reset the username, password and account number for both my and my mother 's account. 

On my new account number, the XXXX transaction and one Wire Transfer ( {$4200.00} ) popped back up as " Pending ''. I called again on XX/XX/XXXX saying that the Wire Transfer should have been stopped. They assured me that it was normal and the investigation was ongoing. 

The Wire Transfer then went through despite being promised that it would not. XX/XX/XXXX they have completed their investigation. I called for the 4th time. Wells Fargo told me they were not able to recover the funds from the bank it went to because the funds are no longer there. They have not investigated any further, and have not looked into what banks the funds went to after that last transaction. They said due to their terms and conditions, they would not be taking responsibility for any of the lost funds.

Wells Fargo was deceptive in telling me that the Wire Transfer wouldn't go through and was negligent and did not reach out proactively to freeze the bank account that the money was being transferred to and also did not follow up down the chain when the money was transferred out of that account. 

XX/XX/XXXX I called XXXX XXXX  ( the recipient ) as well to see if they would help at all. They said they would start an investigation and call within 24 hours. 

I appreciate all and any help that you can give, thank you!
Consumer complaint received 2018-07-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I entered into a modification agreement with Nationstar Mortgage initially for three   months. I agreed to pay $ XXXX  monthly for the three months and was told that if the modification needed to be extended I just needed to contact them to discuss. I made my payments as agreed and timely, however, when going online to make the third payment I received a message that my mortgage was paid in full.

I then received notification that my home was being foreclosed and sold from underneath me.

I am still fighting this in court and have a hearing XXXX XXXX 2018 objecting to the sale of the home.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

XXXX XXXX XXXX XXXX : # XXXX, 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 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I opened a dispute with my bank under the claim number XXXX on XX/XX/ I explained when I opened the claim that im living for 4 months abroad so I there is anything needed to proceed with the claim they MUST contact me by phone email or fax. 

Until now I dont have any update about this case, so I calle customer service a couple of days ago and I was requested to send an email requesting the documents that must be signed. Nobody answer Today XX/XX/XXXX I called again and spoke with the supervisor who gave only excuses to do more slow and burocratic the case. He said that claims department cant be reached by phone, they only can call back but not to an international phone number. Also he said tthat they cant send the documents trough email or fax ( but they request to send it back that way ). 

I really dont understand all this complications to the customer. Please proceed with the claim eficiently and if you need something to be sign please send it to my email or fax on file, make it easy not difficult,
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (DC)

I used to have a credit of about us {$5000.00} in my account with CHASE credit card. It was a refund from a trip I had to cancel. Instead of wiring that money to a checking account for example, CHASE decided to send a cashiers check to my international address ( in XXXX ) without informing me. There was no email or phone call saying they will mail that check. In XXXX, where I live, the post is not super secure and I would have never approved that action. When I realized what happened, the money was gone, I called the company for the first time on XX/XX/2022 and they told me somebody cashed the check. They had a picture of a fake signature ( apparently on XX/XX/2022 ). During the last year, I spoke with at least 15 different people. First, they said they tried to cash the check but was rejected ( naturally because the signature was clearly faked ). But then, Chase refused to give me my money back and told me they need time to start an investigation. Every time I call, they say something different and usually that they need 180 more days to find out what happened. I keep explaining that nobody can cash a cashiers check in XXXX ( there are no banks that do that ). This should never be the clients fault. Any other company by now, would have returned the money to the customer. A check was stolen in the mail ( a check that they never told me they would send to a foreign address ) and Chase can not fix it, they keep telling me to wait. Its been 1 year now and I get no answers. For Chase = Reference number XXXX
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

Called customer service to have checking account closed and was told that I would need to withdraw the money I have in the account first. I tried to withdraw the balance via bank transfer however the required phone verification keeps erroring out with an " application error ''. I've requested the remaining balance to be sent as a check to my address on file which is usually the standard process when closing accounts with other banks but was told that they are not able to do so. The only option I was given was to go to a branch to have them assist which I decline because it's over a hour drive round trip. My bank account was opened online and I should not need to go to a branch to get it closed.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

XXXX, I purchase a book editing and formatting service from a company I believed to be an affiliate of XXXX XXXX and with an email Address ofXXXX  ( notice there is am extra " XXXX '' in the email URL ). A charge of {$700.00} appears on my Chase statement for {$700.00} from " XXXX XXXX ''. 
XX/XX/XXXX, After 6 weeks merchant sends a draft of XXXX out of XXXX pages. The draft is filled with errors and is worthless. I send letter to merchant documenting the errors and begin partial dispute with Chase. 
XX/XX/XXXX, Merchant responds to my complaint indicating he wants an additional {$3200.00} as if this is a " bait and switch. '' Merchant subsequently offers to return to original agreement if I provide a PDF file ( rather than a XXXX document ) and drop the dispute. I tell merchant I require a sample of his revised work. We agree on XX/XX/XXXX as a milestone for receiving a sample of the requisite editing and formatting. 
XXXX, no sample and no contact from merchant. 
XX/XX/XXXX, I begin second dispute with Chase for full amount of {$700.00}. 
XX/XX/XXXX, Chase denies I have a valid dispute by indicating there is no " new evidence '' to reverse their original " finding ''. The Chase review of this dispute has been a perfunctory exercise with no review of the merits of the dispute. Chase has hung up on my telephone calls multiple times.