davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
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. (CT)

A letter was sent to me about 2 weeks ago from Chase credit card stating that someone one has filed a credit card ( CHASE FREEDOM Visa Signature ) under my name and using my Social Security Number and they wanted me to call them to verify it was me who filed the application. So I called them up and said that it wasn't me who filed the application thus it may be ID theft. So Chase took the appropriate actions toward this incident and also sent me another letter stating on how to prevent ID theft in the future. Some the actions that I took include placing a credit freeze and placing a credit alert in all the major 3 credit agencies.
Consumer complaint received 2022-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

On XX/XX/2022, I requested a refund for payments made on behalf of my federal student loans by MOHELA. As per the XXXX program, any payments made during the XXXX relief pause are eligible to be refunded. When I called, they said the refund would take 7 days. After about 2 weeks, I called again. Was told 30 days. After that, I have called numerous times, asking for an accurate timeline and physical proof via email or mail that my request has actually been received- which they have been unable to provide. It is now XX/XX/2022 and I still have not received my refund, a change in balance, or documentation proving I made this request. Every time I call I receive different information that is simply incorrect. All I want is the money I am entitled to. It has been 15 weeks as of today, and I still have not received my money. I can not provide documentation because all communications have been via phone and they have failed to provide any physical documentation providing information on my behalf.
Consumer complaint received 2024-04-03
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. (MI)

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.

DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX has violated my rights. 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 2022-12-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TRANSUNION HAS FAILED TO DISPUTE THIS INQUIRIES I HAVE DISPUTEDXTHIS WITH FURNISHER XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Bank XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX
Consumer complaint received 2018-04-13
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: SYNCHRONY FINANCIAL (CA)

I submitted a request for an investigation regarding an old account that has incorrect information and is too old to still be on my account. The account shows closed as of XX/XX/XXXXin an old investigation now it shows as last reported inXX/XX/XXXX. Which is incorrect. It also shows as the last payment being XX/XX/XXXX. Which is untrue. However either date shows that this report should no longer be on my account. Its also affecting my credit score and XXXX refuses to correct the issue. Despite it being removed once. the creditor changed the date illegally and now it showed up again.
Consumer complaint received 2023-02-15
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: BMW Financial Services NA, LLC (CA)

THE BMW ACCOUNT WHICH WAS OPENED WITHOUT MY CONSENT DOES NOT BELONG TO ME. I NEVER REQUESTED THIS ACCOUNT TO BE OPENED. SOMEONE STOLE MY INFORMATION AND OPENED THIS FRAUDULENT ACCOUNT.
Consumer complaint received 2021-05-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (OH)

CREDIT COLLECTION SERV # XXXX I'm unaware of this debt and did not have the opportunity to dispute this debt as no information was sent to me. In addition, please send the following : Assignment of Debt Method of Verification of Debt Validation of Debt Also, provide Certified Mail Receipt if you believe notification was provide.
Consumer complaint received 2023-08-22
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: EQUIFAX, INC. (GA)

I am filling this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report and for not corrective actions on these unauthorized inquiries. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2022-10-17
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: WAKEFIELD & ASSOCIATES, INC. (IL)

XXXX XXXX {$160.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$1500.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT WAKEFIELD {$780.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Account Number XXXX Account Number XXXX Account Number XXXX
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, 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. (OH)

I have credit inquiries on my credit report I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-22
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. (GA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (TX)

I received a JP Morgan Chase Freedom Unlimited credit card that I did not applied for. I contact Chase Customer Protection Group at ( XXXX ) XXXX to report someone fraudulently applied for this credit card. The customer service representative acknowledged my complaint and advised this was most likely fraud and identity theft, and confirmed that she had closed the account and would be mailing supporting documents to me relating to the fraud, as well as to obtain credit bureau reports. I obtained a XXXX XXXX credit report online and noted an inquiry made by JPMCB Card Service on XX/XX/23, which may be the date the criminal applied for this card online. I have no accounts with JP Morgan Chase and have not apply for any credit cards.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TN)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-04-03
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-22
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

I purchased shoes online, size XXXX XXXX, made and shipped from XXXX XXXX XXXX. They didn't arrive within the time advertised so I contacted the company. I received a reply from a company in XXXX saying it was being produced ans shipped from them. I responded said cancel my order, you misadvertised I'm not doing business with you. They refused to cancel my order. Finally weeks later a size XXXX show, i ordered a size XXXX XXXX. They also were not as described or shown in pictures. They were missing XXXX details and designs. I immediately reached out to the company and let them know that the shoe was a size XXXX not a XXXX as I ordered I also told them that it was not shipped or created in the XXXX as their website says and as of XX/XX/2023 they still represent that the shoe is made and shipped from XXXX. The company didn't respond. I messaged multiple times. 

I made a report with my credit card company who closed it after the company responded with proof of delivery. I again sent over multiple pictures and screens shots of what i purchased vs what I got along with my emails to the company and just one day later I get a letter saying they received my proof but didn't receive my proof. I called and no one could help me. This was complete fraud
Consumer complaint received 2023-05-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Lender repossessed the vehicle but failed to issue a discretionary notice or any notice regarding the repossession. I am not required to pay if such a notice is not issued. I am also only required to pay if there is a deficiency and there is no paperwork outlining what the deficiency is or is not. I am also entitled to any monies if there is a surplus.
Consumer complaint received 2023-08-22
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. (VA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (DC)

I have been a customer of Truist, and all of its previous banks since 1987, and since Truist merged with Suntrust, it has been nothing but problems ranging from fraud on my account, the inability to resolve the fraud, horrible customer service, excessive fees, bait & switch, and solicitation of services that have led to negative credit ratings. 

Most recently, in XXXX Truist solicited ME to open a cash reserve account based on my average balance. I did not inquire about this, but I accepted the offer as a way to build my credit profile. The amount issued was {$700.00} & I instructed them to take the monthly payment out of my account. They did NOT do this & by the time I was aware I was behind on the account despite the fact that their terms said they would auto draft the payment. Then, I made payments & yet they still said I was behind, and WITHOUT notifying me, randomly took {$340.00} out of my account in late XXXX, causing me to be overdrawn. 

I attempted to resolve it on the phone, went to the branch, & refused to deposit funds into the account until they resolved it. They lied, never fixed it, then without notifying me, closed the account causing me numerous issues as I had direct deposits to the account. They still have not fixed it. 

Then in XXXX I opened a new account before they closed my original account and they offered a {$400.00} bonus if, after 90 days, I met certain requirements, which I did. I called in early XXXX to ask about the bonus, was given the run around, and still do not have my {$400.00}. 

This is bait & switch & I want them held accountable.
Consumer complaint received 2023-01-25
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. (FL)

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : ITEMS XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX. XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of XXXX : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX ACCURATE OR THE INFORMATION MUST BE UPDATED. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXXAccount Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (TN)

I submitted CFPB complaint XXXX and received a reply with no further action other than reaching out to a debt collector, however, they are unable to answer my further questions. 

Please review complaint XXXX and then review my comments below. 

The file that was attached referenced paragraph 5 of our letter, stating that credit cards were not closed down at this time. HOWEVER the attached letter, in paragraph 5, states, and i quote : " This account closure requirement does not include, if applicable, any of your installments loans, home equity loans/lines ( or a credit card attached to a home equity line ), mortgages or IRA accounts XXXX '' The above line from paragraph 5 of the account closure template only specifies credit cards attached to a home equity line. Our credit card was a normal consumer credit card ( we didn't even own a home at this time ). 

Please re-review this letter. I have attached both the account closure letter and the recent response from CFPB complaint XXXX XXXX - The credit card showed on both of our credit reports as closed an in good standing as of XX/XX/2018. Why would this be reported as closed? Please provide an answer. If you indeed intended not to close this account at this time, why was it reporting such on our credit reports? Who closed this account? 

2 - We were under the impression this card was closed. How is it our duty to ensure that account closures are properly handled on the banks end, when the letter clearly states everything was being closed. 

3 - The letter only states a home equity credit card and not a consumer credit card. How is SunTrust ( now Truist ) able to send out this letter, stating it was closed, yet keep our card open, even though they sent the account was closed, thus allowing automated payments or potential fraud to continue charging our card for years? How are we to know that this was NOT closed, when everything we saw stated it was closed? We lost access to online banking and our credit reports showed this as closed.
Consumer complaint received 2023-08-22
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. (CA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX  XXXX Balance : {$16000.00} XXXX XXXX Balance : {$9100.00} XXXX XXXX  XXXX Balance : {$4000.00}
Consumer complaint received 2023-08-22
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. (TN)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX