davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
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. (IL)

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.

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 2024-09-20
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)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A personal credit card account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) An auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at XXXX XXXX XXXXn XXXX/XXXX/XXXX Account number ( XXXX ). A loan opened at XXXX on XX/XX/XXXX Account number ( XXXX ). A loan opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-05-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synovus Bank (MO)

Account in question : FSTPROGRESS XXXX Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (PA)

On XX/XX/ I opened a Chime account and funded same account from my XXXX XXXX account with a transfer of {$3500.00}. The money is from my internship at XXXX XXXX XXXXXXXX. My account was immediately suspended and I was locked out and have not been able to resolve this with over 50 emails emails and all the documentation they have asked for over 25 times. I keep receiving the same emails over and over again to no avail after I submitted my verification documents. I have called them every day for 2 months straight and keep being told my situation can only be resolved through submiting required documents to verify my identity through email and they will escalate my issues to the Protection Team. They kept asking me to provide the Bank Statement verifying the transaction from XXXX XXXX with the account number ending in # but after I provided that they asked for the same information again.
Consumer complaint received 2024-06-26
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TomoCredit Inc. (NJ)

I had signed up for Tomo Boost/Credit to raise my credit score. They have not reported anything and I have not received any services from Tomo Credit. I have been trying to cancel the subscription for a year. Tomo continues to take {$8.00} a month from my account despite numerous emails requesting cancellation.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It XXXX Concern, I am submitting this complaint to formally dispute the inclusion of the above-referenced account on my credit report. This account, reflecting a balance of {$12000.00}, is not mine and appears to be the result of identity theft. 

Description of What Happened : I discovered this account was appearing on my credit report. Upon further investigation, I determined that it was fraudulently created using my personal information. To address the fraudulent activity, I took the following steps : Reported the identity theft to the Social Security XXXX ( XXXX ), which issued me a new Social Security Number ( SSN ). 
Reviewed my credit report and confirmed that I had no connection to this account. 
Contacted the credit bureaus and disputed this item as fraudulent. 
The company involved, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has not provided any evidence to show this account is valid or legitimately associated with me. 

Amount in XXXX : The account in dispute shows a balance of {$12000.00}. 

Actions Taken by Me : Reported identity theft to the XXXX and obtained a new XXXX. 
Sent a dispute to the credit bureaus regarding this account. 
Requested that this account be removed from my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). 
Requested Resolution : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute and request removal of fraudulent information from my credit report. I am requesting the following actions from XXXX XXXX XXXX/ XXXX XXXX XXXX : Immediately remove this account from my credit report. 
Cease all collection attempts and communication regarding this account. 
Provide written confirmation of the removal and a corrected credit report. 
This fraudulent account has negatively impacted my credit, and I expect prompt resolution to ensure my records accurately reflect my financial history. 

Thank you for addressing this matter promptly. 

Sincerely,
Consumer complaint received 2024-03-18
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. (TX)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Consumer complaint received 2023-03-17
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. (PA)

Fraudulent accounts and Inquiries appearing on Credit Report. 


Inquiries XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX
Consumer complaint received 2024-03-18
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. (NJ)

I am disputing the accuracy of certain items on my credit report as provided by the credit bureaus, Equifax, XXXX, and XXXX. Despite multiple requests for verification, the accounts listed below remain unverified, which has negatively impacted my creditworthiness and ability to obtain credit. Per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), I request that these accounts be thoroughly investigated and either verified with hard evidence or removed from my credit file. This law mandates a reasonable reinvestigation to determine the accuracy of disputed information within a 30-day period. Additionally, I request the removal of all non-account holding inquiries over 30 days old and the addition of a Promotional Suppression to my credit file.
Consumer complaint received 2022-11-23
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. (VA)

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 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 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

I deposited two checks from my HSA account into my Wells Fargo account & they put a hold on my checks. They didnt even allow me to have the first {$100.00}, they said my XXXX  XXXX XXXX XXXXHSA account is closed. Its not & they can simply call and find out. I need XXXX on XXXX  & I need to pay my provider. The office doesnt take checks, and my debit card hasnt arrived. Wells Fargo is stopping my health and causing me more pain. Wells Fargo is being discriminatory against me.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. I sent my 3 verification letters on XX/XX/2023. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. The following accounts and Numbers are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-05-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX i called the lender to request a payoff statement for my HELOC loan to be faxed to my attorney. I provided my attorney fax number. The rep I spoke with stated that the payoff statement would be faxed to my attorney in 2-3 business days. It should be noted that I had previously requested a pay off statement from the lender on XXXX and this was received by my attorney on or about XXXX On XXXX i received an email from my attorney that they had not received the payoff statement at XXXX on XXXX I called the lender and spoke with representative XXXX in the loan servicing department. XXXX stated that the payoff statement request was rejected because the attorney was not an approved coop attorney. XXXX transferred me to supervisor XXXX in the loan servicing department. XXXX confirmed that the payoff request did not process because the request did not come from an approved coop attorney. XXXX confirmed the fax number on the XXXX request was XXXX, XXXX confirmed the fax number on the XXXX request was XXXX and the XXXX requested was faxed on XXXX. XXXX confirmed that the request came from me ( the borrower ) on XXXX and on XXXX. First one was completed and second one was denied but both requests were exactly the same. XXXX submitted an urgent payoff request to the payoff department manager to ask why the XXXX was not completed or to rush this request out today. XXXX stated that the payoff department XXXX has a standard turnaround time of 2 hours for an urgent payoff request. The payoff department replied to XXXX stating that they can only accept a payoff request from an approved attorney for a coop. XXXX confirmed that the payoff department is not able to accept payoff requests from the borrower directly and that the prior payoff statement was issued in error. XXXX stated that the payoff department advised that the borrower should already be aware that payoff requests must come from an approved coop attorney. XXXX confirmed that all of the lenders calls are recorded. XXXX provided his contact information. XXXX stated that the is able to speak with my attorney directly with my verbal approval and the verbal approval is good for 24 hours. I provided my verbal approval to speak with my attorney and/or her assistant. 


I believe the lender is intentionally delaying my payoff statement in an effort to extend the length of my loan so they can collect more interest. If this was an error the lender should accept responsibility and refund the interest due since the date of the error.
Consumer complaint received 2023-04-01
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. (NC)

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 2023-05-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (IA)

1. Received pre-approval from US Bank on XX/XX/2023 from US Bank for a VA mortgage loan up to {$370000.00} 2. Signed purchase agreement on XX/XX/XXXX or XXXX, with a closing date of XX/XX/2023. 
3. Submitted all documentation and information requested to US Bank within one week.

4. US Bank customer service representative called with weekly updates on our mortgage. We were advised that we received approval from underwriting. 
5. XX/XX/XXXX a professional moving company packed our residence in XXXX for our relocation to XXXX 
6. XX/XX/XXXX, while we were actually driving from XXXX XXXX XXXX customer service representative called to advise we had a new underwriter assigned to our loan who had more questions and closing might be delayed. And the house did not pass VA inspection due to some areas that needed to be scraped and painted on the house. 
7. XX/XX/XXXX the US Bank customer service representative called requesting written proof of my husband 's transfer from XXXX XXXX XXXX XXXX location. We advised the transfer was still in process and thst we don't have a date yet. We asked what the problem was as I will be living in the house, my husband makes plenty of money to qualify for the mortgage and we have very good credit. The customer service representative was unable to answer our questions. 
8. XX/XX/XXXX the manager over our customer service representative advised that we were being denied our loan since we could not prove that my husband would not be in residence within 60 days of closing. She also stated that every other large bank would do the same thing. She also verbally accepted 100 % responsibility for our loan falling through on behalf of US Bank. She made the same admission to our realtor. She said that the bank would reimburse us our moving company costs as compensation for this situation. 
XXXX. We had to forfeit our XXXX deposit as the sellers were threatening to sue us for breach of contract. I advised the manager that I felt that the Bank should reimburse us for our lost XXXX money. 
10. We had to scramble to find an apartment for me to live in.

11. I feel that the bank should reimburse us for all up front payments to the bank for this failed mortgage, our moving costs, our lost XXXX deposit and the initial cost of renting our apartment. Not to mention the extreme stress this situation has caused.
Consumer complaint received 2023-05-25
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: AMERICAN EXPRESS COMPANY (NC)

American Express Hilton Honors 24-hour customer service XXXX refused to dispute a charge. The charge I want to dispute is for our ( my family and I ) Hilton XXXX in XXXX XXXX XXXX XXXX XXXX  stay, confirmation # XXXX. 

Hilton said we would receive a total refund of {$740.00} but we only received {$370.00}. Please see Exhibit A Hilton Corporate and Exhibit B Hilton Corporate. 

I reached out to American Express Company at XXXX on XX/XX/2023 to no avail. Please see Exhibit C American Express Corporate. 

Photos from our stay are available upon request.
Consumer complaint received 2024-11-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2017-07-18
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MO)

I 've been dealing with this since  XXXX / XXXX . I 've spent over five hours on the phone with various Navient employees trying to have them remedy this : they never applied the checks sent in, and deducted from my bank account, to my student loan account.
Two weeks ago, I spoke with   XXXX   XXXX  , a supervisor, and he said he would make sure to get it taken care of ; and he apologized for all of the trouble I 've been going through, trying to get this resolved.
They have still not reconciled my account, it shows I 'm " past due, '' and they 've falsely reported their error to my credit report.
Consumer complaint received 2023-06-23
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. (CO)

I am a natural person. I am a living Human being. I have rights under 15USC 1681 Equifax is govern by 15 USC 1681 And violated my rights numerous times. I demand the accounts listed below.be removed because According to 15 USC 1681 I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 


XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-05-25
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. (MA)

On XX/XX/2023, I report a transactions that I had not initiated, that is fraudulent charges. On XX/XX/XXXX, I received an email from Chase indicating that they have cancelled that credit card and initiated a fraud charge. Soon, I received a new card, chase credited back the fraud charges, and the account now stands at XXXX. However, for unknown reasons, Chase continue to intermittently to report this claim, and it's negatively impacting my credit.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX