davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (PA)

My credit score averaged XXXX on both XXXX and Equifax. It dipped on both by about XXXX points respectively because my credit card utilization was at 97 %. I paid off all my credit cards and my score should go back up by about XXXX points on both. Today, XXXX reported nothing and Equifax only went up XXXX points! How is this possible?! They are both also saying my credit reporting history is 18 months old and that is lowering my score now as well. My credit history is well over 10 years old. I do not understand how it is even possible for credit reporting to affect your life so much! They should all be abolished, or at least just have one. This is getting ridiculous.
Consumer complaint received 2022-04-13
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. (PA)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX/ {$0.00} / XX/XX/2020
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A

few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Description of concern : Opened a new credit card account with capital one XX/XX/XXXX. 
Over time, I established good credit history and received random credit limit increases and added my children as authorized users to benefit. 

In XXXX, I began having financial difficulties and set up a payment plan with capital one. I removed my children as authorized users so their credit wouldnt be negatively affected. 
In XX/XX/XXXX, I reported XXXX XXXX XXXXXXXX XXXX that my social security number was compromised. 
XX/XX/XXXX, I saw that one of my children was still listed as an authorized user so I removed her again from the capital one account. 
XX/XX/XXXX, I accessed the capital one app to pay my bill but couldnt because it said my account was closed. I immediately called capital for clarification. I spoke with XXXX who stated my account was closed and that he could not provide me any more information on my Capital one checking account or Capital one credit account. 
Called back later in the evening and spoke with a female manager who provided me mailing information on how to file a complaint regarding my account. She advised me to file my complaint with Credit Bureau Dispute Department with Capital one at XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 
One week after speaking with the female manager, I received a letter in the mail dated XXXX, stating that my identity fraud investigation is now closed and they found the account to be fraudulent and I was not held responsible. 
I contacted XXXX XXXX XXXX XXXX and provided them with my concerns and all the information I received from Capital one. They informed me that would contact capital one regarding the fraudulent report and seek resolution. 
XXXX XXXX XXXX XXXX provided me a restoration case number # XXXX. 

As of XX/XX/XXXX, XXXX was not able to resolve my concerns with capital one. 

On XXXX @ XXXX XXXX Account Manager Fraudulent department. He stated he could not provide me any information. I have to mail or fax a request to capital one before information will be released to me. No fax number was provided. 

XXXX @ XXXX spoke with XXXX XXXX He stated he couldnt see fax number listed but placed me on hold to obtain additional information. Call disconnected during hold. 

At this point, I want the following Resolutions : -I want Capital one to validate my account as not being fraudulent. 
-I want Capital one to Remove any and all adversity/adverse flags from my name and account that prohibited/interfered with the 3 credit bureaus from the fraudulent reporting.

-I want Capital one to Restore my credit history and reports with the 3 credit bureaus. 
-I want Capital one to Restore my account with capital one. 
-I want Capital one to Credit my account for months my account was closed.
Consumer complaint received 2022-10-30
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: Experian Information Solutions Inc. (NY)

This is not a 3rd party! These credit reporting agencies are failing to properly investigation DISPUTES and FAILING to provide accurate results and they have been negligent in complying. PLEASE REVIEW DOCUMENTS ATTACHED.
Consumer complaint received 2015-05-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CCBA Inc. (OR)

I am unsure what kind of debt this is as I am being repeatedly called as a reference to my sister. I received XXXX such messages yesterday from a company called CCBA, which stated they were calling about a case which was filed in reference to my sister, and they needed a statement about my involvement. Such scare tactics are illegal and I had previously asked them not to call me. They are not allowed to imply they are law enforcement. When I called back I asked to speak to a supervisor, he denied the behavior and stated he would get the recording to prove it. I was never advised my call would be recorded which is also illegal.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Dear Sir/Madam, I am writing to report a case of identity theft and unauthorized activity on my accounts, which has resulted in the fraudulent obtainment of services and goods from various financial institutions. I kindly request your assistance in addressing this matter and providing guidance on the necessary steps to resolve it. 

I recently discovered that my identity has been stolen, and the following entities have been affected by this fraudulent activity : XXXX Unauthorized accounts have been opened, and services and goods have been obtained without my knowledge or consent. 
Capital OneXX/XX/XXXX My account has been compromised, and unauthorized transactions have occurred. 
XXXX XXXX XXXX There has been unauthorized activity involving my personal information. 
XXXX XXXX XXXX XXXX : XXXX access has been made to my accounts, resulting in fraudulent transactions. 
XXXX XXXX XXXX My personal information has been misused, leading to unauthorized actions. 
XXXX XXXX XXXX : XX/XX/XXXX Unauthorized accounts have been opened under my name, and fraudulent actions have taken place. 
XXXX XXXX XXXX Unauthorized activities have occurred, impacting my personal information and financial well-being. 
Additionally, I have noticed two hard inquiries on my credit report, conducted by Cap One NA and XXXX XXXX XXXX. These inquiries were made without my knowledge or authorization, further supporting the evidence of identity theft. 

I have taken immediate action to mitigate the impact of this identity theft. Firstly, I have contacted the respective financial institutions and reported the fraudulent activity. They have initiated their internal investigations, but I believe it is necessary to involve an external regulatory body, such as the Consumer Financial Protection Bureau, to ensure a thorough and comprehensive resolution.
Consumer complaint received 2024-10-29
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX my XXXX account was closed by XXXX Bank. I called and was told my account was closed because my bank did not honor my autopay. I called XXXX right away and was told no payment was present to them for the payment due in XXXX for the $ XXXXOnce I realized my XXXX payment was not made, I paid them from my XXXX  XXXX savings for {$200.00}. I have received a letter from XXXX XXXX XXXX stating my account is having issues and payments were returned for that amount. The bank and I put systems in place to avoid this. Letter attached. 
On XX/XX/XXXX, my bank returned {$200.00} unpaid. I called XXXXXXXX XXXX right away and paid with the customer service representative. I also informed her that I was a victim of fraud and my bank was not honoring any checks represented for {$200.00} through {$1500.00}. This was my XXXX call to XXXX since XX/XX/XXXX. I went ahead and changed my payment to {$110.00} to avoid this error and the money should be taken from my XXXX XXXX bank account and XXXX have failed to make the changes on their end. 
Since Synchrony took over XXXX from Comenity Bank in XX/XX/XXXX, I was asked several times by their customer service representative to close my account each time I called with an issue with my card I was encouraged to close my account. This account was opened over XXXX years ago.
Consumer complaint received 2021-06-26
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. (TX)

I have a open complaint that hasnt been resolve yet. Per complaint I disputed with the XXXX bureaus and instead of them removing the closed account off my consumer report because 1 ) I dont owe or never have dealings with XXXX XXXX XXXX 2 ) How did they get my XXXX 3 ) The debt was never verified 4 ) The company refuse to verified the debt showing any contracts, proof or anything and hung up on my face. 
5 ) I never gave permission for this to be added to my report.

6 ) Even if the debt was mine, which it is not how can something be charge off at 30 days.

They raised the balance AND place a false remark saying natural disaster. What natural disaster? They cant even verify this account theirselves
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-13
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. (NY)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX has violated my rights. 

XXXX5 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 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was sent a check for a job i did a bid on. Bank of america posted the amount on the account. Couple days later after buying material and stuff with that money the check bounced and Bank of America did nothing about it. They told me i had too pay that money back. It doesnt make sense for me too pay that money back when they put the money in my account too use and then force me too pay which I already paid them that money back. Why not hold the check till funds clear and then put it in my account?
Consumer complaint received 2023-08-16
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX  ; Account : XXXX  XXXX - XXXX, Account : XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX - XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Account : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account : XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ( XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

To whom it may concern : I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report! This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (MD)

Sometime in the last 2 months I opened a new account with M & T Bank ( and I specify sometime as a range because they have handed me several different dates throughout this. ) On the XXXX of XX/XX/2022, My fiance XXXX XXXX sent me {$28.00} through XXXX so we could attempt to use my new account to pay a bill. When I attempted to pay the bill I began getting error notices. I attempted to charge the card elsewhere and continued to get error notices. It was then I attempted to XXXX the money back to my fiance 's account and was told I could not do that. 
Immediately, I began attempting to contact the bank about the issue. One agent said my card was valid and there was no reason I could not use my account. Confused about the error, she sent me to another agent who told me, there was a hold on my account over paperwork. They sent me to another agent who said no, your account is being investigated for fraud. They sent me to their fraud department, who told me they could not do anything and would need to visit my local branch in person to get my funds and fix my account. 

I have no transportation so I attempted to reach out to M & T through email, it took a couple days for them to respond. On the XXXX I received an email they told me was to go into a branch location, have THEM call the number on the hold and they can fix everything. 

On the XXXX of XX/XX/2022, I went to the M & T bank location at : XXXX XXXX XXXX XXXX, XXXX, MD XXXX, with my ID, fiance and children. We were taken into a back office with a special banker, XXXX XXXX. XXXX claimed she could see no hold or issue with the account. After attempting to get her to understand what the emails and ALL THE AGENTS before her said, we finally just tried to have them release the funds from the account so we could stop doing business with them. XXXX had me fill out a withdrawal slip and disappeared out of the room. 
When she returned, all she had was a business card with a phone number on it and told us if we ever want our money or to use the account, WE would have to call the number and have them fix it. 
When we called the number we were told a location/banker needs to call them and they could not help us. 
Not wanting to waste anymore time with people who obviously have mine and my families best interest last, I decided to see how to file against the establishment, and here I am. 
Any assistance is much appreciated as I have exhausted ALL feasible options with this institution and just want my money so I can warn EVERYONE and ANYONE to NEVER use M & T Bank. 
( To clarify, this is not the first time we have had issues with this apparently corrupt institution withholding our funds from our household. In XXXX, there was an issue with using the {$2000.00} check that had been deposited into my fiance 's account and consequently costed us a {$100.00} late fee on our rent for their refusal to disburse our funds then. )
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (TX)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023, a new Bank of America CastRewards credit card was opened in my name. I first received a text message that the card was in the mail. It arrived at my home address on XX/XX/XXXX. Before receiving the card, I contacted the three major credit bureaus to place a fraud alert on my credit reports, having noticed a new hard inquiry via XXXX. I also received messages, via text and conventional mail, that attempts were made to open several other cards in my name, including via XXXX XXXX and XXXX XXXX. I applied for none of these new accounts, and only the one Bank of America account appears to have been opened. The others were denied due to the suspected fraud. 

On XX/XX/XXXX, after receiving the new physical BofA card in the mail, I cancelled the account via telephone with BofA. They notified me a hold already had been placed on the account, with the card never activated, as a result of my contacting BofA the week before. I am a long-term BofA customer, and I am satisfied with how they so far have assisted me with this apparent case of identity theft. 

On XX/XX/XXXX, I noticed the new account, with XXXX balance, appearing on my credit reports with all three bureaus. I submitted a dispute regarding the new account to all three bureaus. I am submitting this claim of apparent identity theft to the CFPB at their suggestion. 

I have taken no other action but continue to carefully monitor my credit reports on a daily basis. Fortunately, it appears that no fraudulent charges have been posted in my name, at least not so far. 

I have no idea where/when/how my personal information was stolen, or by whom.
Consumer complaint received 2021-06-26
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. (TX)

This is my XXXX request and no one at any of the credit bureaus and handling my dispute requests. I am requesting that these below accounts be deleted from my credit report, especially if they are unverified and non-compliant. Thank You, XXXX XXXX  - XXXX Account- Delete immediately XXXX XXXX XXXX XXXX XXXX Account- Delete immediately XXXX XXXX XXXX XXXX XXXX Unverified Account- Delete immediately I am really looking for some guidance here ... The Credit bureaus are failing to respond and the CFPB is not assisting me at all here. I am trying to take care of my credit. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

Ocwen keeps paying my property taxes and then raise my mortgage payments, my city taxes were due by XX/XX/2017 then there is a late fee throughout the year added well Ocwen decided to pay them by the end of XX/XX/XXXX and raise my mortgage to XXXX now