davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (TX)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  indicated in the CFPB response dated XX/XX/2023, that they had requested the consumer credit reporting agencies to update their records to reflect my account as paid in full. However, to date, my credit reports have not been updated. XXXX continues to show a willful failure in reporting my payment history as paid in full, and as a result, I have had to put my personal financial needs on hold due to XXXX 's inaccurate derogatory reporting on my credit reports. I have been experiencing this for 10 months and have not received a resolution. To date, my credit report states that " Account paid in full for less than full balance '', which continues to reflect a negative rating on my credit report.
Consumer complaint received 2023-05-17
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ,15 USC 1681 section 604A section 2 also states, a consumer reporting agency can not furnish in account with out my written instructions, under 15 USCS 1666 B 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 2022-10-27
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. (NV)

Account number XXXX Open/closed Open Account number XXXX Open/closed Open NO KNOWLEDGE OF SUCH ACCOUNT WHILE I WAS SICK WITH XXXX IN XXXX FOR A THIRD OF THE YEAR, NO CONTRACT, NEVER WENT INTO A BANK TO OBTAIN ANY LOAN
Consumer complaint received 2018-03-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SYNCHRONY FINANCIAL (MO)

I sent a signed request through XXXX to close my Synchrony CD on XX/XX/XXXX. The CD matured on XX/XX/XXXX. This was my account number XXXX. XXXX followed through and posted that the transfer was in progress ( I have documentation ) and was scheduled to be transferred on XX/XX/XXXX. 

I checked with XXXX on XX/XX/XXXX to see why my funds were not in my account and was told they were not successful. The bank wanted to " hear from me '' I have transferred many accounts through the years. Transfers that are clearly written and signed NEVER have a problem. Until now. 

I can not have an on line account with Synchrony because they " no longer support my browser '' I am forced to push several buttons and call the toll free number. The rep told me that my CD was rolled over and that it would involve a substantial penalty if I now attempted to close it. I closed both my accounts -- -figuring he was misinformed. No bank would attempt this. 

I was wrong again. They took a substantial amount out of the check they sent me. No accounting was sent ( it was {$110.00} less than my last statement balance -- no accrued interest ). This is a lot of money to me. 

I must be liquid and safe. The bad news is that I own 2 brokered CD '' s from Synchrony in my XXXX account. Something to worry about later.
Consumer complaint received 2023-03-05
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: Experian Information Solutions 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 2021-11-10
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: Lending Club Corp (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the 3 Credit Bureaus. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : LENDING CLUB CORP - XXXX
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Theres fraudulent accounts thats reporting to my XXXX and Trans Union credit reports. Ive contacted these credit bureaus by mail and by phone letting them know about These accounts and went through the proper procedure. I did everything they asked me to do and they refused to remove these items off of my credit report. Ive mailed them every thing they asked me for.
Consumer complaint received 2023-06-22
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. (TN)

My Name is reported inaccurately. I would like to see it fixed rapidly. My personal information is essential. It is defamation of my character. There should be any damage to my report.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

our business account with JP MORGAN CHASE BANK was permanently closed by the bank and they were suppose to send us a check for the balance amount in our account via mail within 10 days. we tried to contact them but the bank says that our account is under investigation and there is no time limit to when the decision will be made. 
its been more than 5 months since the account closure. 
We have called and emailed so many times but no one replies. all they say is " THE ACCOUNT IS UNDER INVESTIGATION '' and they can not tell us anything else. 
OUR business has been destroyed because the amount in the bank was of our clients and we are ruined financially due to this action. 
kindly help us resolve this situation so that we can receive our clients money.
Consumer complaint received 2023-09-01
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (CT)

XXXX XXXX I received a vanilla gift card with the value of {$100.00} for a housewarming gift. When I open the card from the package, it was missing many numbers. I called vanilla gift card last week and told them of the issue. They proceeded to tell me that my card was damaged and they would send me a new one. Today XX/XX/2023. I received the replacement card in the mail with a XXXX balance, I called vanilla gift card and explained to them that the card that was sent to me had XXXX balance. She told me that the card had been used in XXXX. I proceeded to let her know that I have never used the card as it was missing numbers in the first place, I also mentioned to her that I have been looking on the Internet and there is a scam associated with vanilla gift cards, where they are selling cards with missing numbers in retail stores and manufacturers, keep the number so that they can later use them .I was never able to use my XXXX dollar vanilla gift card and I dont have the receipt as it was a gift. Vanilla gift card has not done anything to resolve this issue.
Consumer complaint received 2023-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

I checked my credit karma and I have 2 credit cards that are maxed out from XXXX. One with {$10000.00} and the other with {$7700.00}. I have not opened any of these cards or know what they are. It dropped my credit score XXXX points. It says one account was opened XX/XX/XXXX and the other XXXX XXXX XXXX I would like to know who opened these account if possible and have this resolved.
Consumer complaint received 2017-04-06
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo started reporting on my credit for a mortgage that was included in a bankruptcy case in XX/XX/XXXX ; this loan has not reported on my credit for the last 7 years. I did not reaffirm the loan at any time. In my XX/XX/XXXX divorce the property and loan was awarded to my ex-wife.
Consumer complaint received 2023-01-20
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. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any aitems listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/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 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 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 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 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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.
Consumer complaint received 2023-07-05
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. (AZ)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2024-04-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC (NC)

Dear Sir/Madame I am writing to file a complaint against for violating the Fair Debt Collection Practices Act ( FDCPA ) and my rights as a consumer. 
1. Failure to Provide Validation Information I received a communication from CREDIT CONTROL , LLC stating that I owe a debt of XXXX XXXX XXXX XXXX. However, the collection agency failed to provide me with the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ), which includes the amount of the debt, the name of the creditor, and a statement of my rights to dispute the debt. This omission violates my right to ensure the accuracy of the debt before it is reported to credit reporting agencies. 
2. Lack of Opportunity to Dispute the Debt Furthermore, the collection agency has not provided me with a clear and straightforward method to dispute the debt, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of access to the dispute process hinders my ability to challenge the validity of the debt. 
3. False, Misleading, and Deceptive Practices The collection agency 's actions constitute a violation of 15 U.S.C. 1681-s-2 ( 7 ) ( A ) by using false, misleading, and deceptive means to collect the debt. Their failure to provide validation information and opportunity to dispute creates an environment of pressure and confusion, which is unfair and unlawful.

4. Furnishing Information to Credit Reporting Agencies Without Proper Disclosure Additionally, the collection agency 's attempt to report the debt to credit reporting agencies without providing the necessary disclosures outlined in 12 CFR 1006.34 ( d ) is a violation of my rights. This action could negatively impact my credit score without ensuring the legitimacy of the debt. 
5. Request for Resolution Therefore, I am requesting the CFPB to investigate these violations and take appropriate action against CREDIT CONTROL , LLC This includes : Instructing the collection agency to cease all collection activities until they comply with the FDCPA. Requiring the collection agency to provide me with the missing validation information and a clear process to dispute the debt. Preventing the collection agency from reporting the debt to credit bureaus until its accuracy is verified. Furthermore, I request the following documentation from the collection agency : Debt validation document as outlined in 12 CFR 1006.34 ( b ) ( 5 ). Proof of their agreement to purchase the debt from the original creditor. Also, disputing owing any and all debt to them, revoking all rights of them communicating with me through email, text, and call. Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this complaint. 
Sincerely XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (IL)

Concern Regarding Chase XXXX XXXX XXXX Process and Data Security Breach To Whom It May Concern, I am writing to bring to your attention a concerning experience I encountered during my recent XXXX XXXX XXXX process with Chase Bank. On XX/XX/2024, I applied for a XXXX XXXX from Chase and diligently followed the instructions provided, including submitting requested documents via a secure link within the specified timeframe. I submitted the requested document ( a copy of my XXXX XXXX XXXX along with a copy of my XXXX XXXX  XXXX ) on XX/XX/2024. 

Despite my compliance, I did not receive any communication regarding the status of my application for an extended period. Concerned about the lack of updates, I reached out to Chase at the end of XXXX to inquire about the status of my application. To my surprise, I was informed that my application had expired due to the alleged failure to upload the requested document, which I had indeed submitted within the stipulated timeframe. 

After persistently insisting on the validity of my submission, Chase confirmed the receipt of my documents but failed to provide any further updates on the status of my application. Despite assurances of a follow-up call, no such communication ever materialized. I have to add that I have already had a checking and saving account with them so they already had the requested data from me. 

This ordeal has not only left me in a state of uncertainty regarding the fate of my XXXX XXXX application but has also raised serious concerns about the security of my personal data. I was requested to upload sensitive information, including a copy of my XXXX XXXX XXXX, and the mishandling or potential data breach of such information is deeply troubling. 

Given the gravity of these issues, I am formally filing a complaint with your bureau to ensure that my concerns are addressed and appropriate action is taken to rectify the situation. 

Thank you for your attention to this matter. 

Best Regards, XXXX XXXX
Consumer complaint received 2022-11-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I set out to improve my personal credit XX/XX/2022. I sent a certified dispute letter with tracking numbers XXXX XXXX XXXX XXXX XXXX to CAPITAL ONE. They never responded to my dispute letter however they continue to report updates to this inaccurate account on my consumer reports. 

I also sent certified dispute letters with all three credit reporting agencies regarding the inaccurate CAPITAL ONE account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is reporting different information on each credit reporting agency. This account has caused multiple missed credit opportunities. This has been a very stressful situation for me.
Consumer complaint received 2023-09-29
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 recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family, please remove the fraudulent accounts from my credit report as soon as possible.