davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

The following credit accounts and collection account currently listed and showing on my XXXX and Equifax credit report is showing an incorrect balance on the account : XXXX XXXX XXXX XXXX {$760.00}XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$130.00}, and XXXX XXXX XXXX : XXXX, {$370.00}XXXX XXXX XXXX XXXX XXXX  {$360.00}. The accounts are all paid in full. The following credit inquiries listed on my XXXX and Equifax credit report are fraudulent and unauthorized credit inquiries : XXXXXXXX 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, and XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2024-02-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XX/XX/24 Dear Consumer Financial Protection Bureau, I am Writing to file a formal complaint against Capital One for their violation of my consumer rights as protected by the Consumer Financial Protection Act. It has come to my attention that Capital one has placed a charge off on my Consumer File. Not only does this debt not belong to me, but the reporting of this information is also inaccurate. 
15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
DUTY : a moral or legal obligation ; a responsibility ACCURATE : correct in all details ; exact PROHIBITION : a law or regulation forbidding something The Lender must file form 1099-C and send you a copy of the amount If debt cancelled is {$500.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity. 
As Defined by The IRS Even if you didnt receive a Form 1099-C, you must report canceled debt on your tax return. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account INACCURATE! 
The actions of Capital one constitutes a clear violation of 15 U.S Code 1681s-2 ( a ) ( 1 ) ( A ). I urge the Consumer Financial Protection Bureau to investigate this matter promptly. Also, I request regular updates on the investigation 's progress and any actions taken as a result.
Consumer complaint received 2023-03-14
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. (AR)

I acquired my credit report and asked the credit bureaus to make sure everything was correct and accurate according to 15 USC 1681i ( 5 ). 

I waited 30 days and received my investigation results and notice that everything remained the same. The consumer reporting agencies, XXXX, Equifax, and XXXX did not modify or delete any of the inaccuracies stated in my report. 

On the following accounts, the date opened is not correct. There is no account number listed that verifies that this is the correct account or that they belong to me. The date of the last payment on the account is also not correct. 

XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXXXXXX XXXX - {$47000.00} XXXX XXXX XXXX XXXX  XXXX - {$7000.00} Additionally, in accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 15. U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not issued any written consent or instructions for this to be listed on my consumer report.

This is a complete violation of my rights and is impacting me and my family from obtaining a home.
Consumer complaint received 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX we sent notice to alleged lender, XXXX XXXX, requesting validation on this Loan. Thirty days commenced with no response. Therefore, we contacted all three credit bureaus to inform them that the alleged loan is in dispute. The credit bureaus contacted XXXX XXXX  as a result, and it was only then that we received a response from XXXX XXXX, stating they " didn't know '' what account we were disputing. 

On XX/XX/XXXX we sent a Non-Negotiable Notice and Demand for Full Disclosure and Validation on this alleged loan, with a 15 day deadline before further action is taken. We did not get a response to this letter either. 

XXXX XXXX  is in violation of the Truth in Lending Act pursuant to 15 USC 1601-1667j ( full disclosure ). And U.S. Code SubChapter VDebt Collection Practices 15 U.S. Code 1692g - Validation of Debts, as well as The North Carolina Consumer Protection Act of XXXX ( NC General Statutes, Chapter 75 ). 

If this alleged debt is not validated by the alleged Lender, XXXX XXXX, as required by the Fair Debt Collections Practices Act, alleged Lender has legal responsibility to terminate the claim.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FULTON FINANCIAL CORPORATION (MD)

In the fall of XXXX, Fulton Bank ( " Bank '' XXXX had a written promotional bonus offer pursuant to which it would give the customer a {$120.00} bonus if the customer opened a savings account by XXXX XXXX, XXXX, deposited {$1000.00} or more of new money into that account within 60 day, and maintained a balance of at least {$1000.00} on the XXXX day after account opening. Specifically, the Bank stated that it would " credit one {$120.00} bonus to your savings account if on day 60 after account opening you have a new money balance of at least {$1000.00}. '' I opened a savings account on XXXX XXXX, XXXX. The Bank confirmed in writing and over the phone that I opened the account that day. In the phone call, the rep. with whom I spoke stated that I had fulfilled all the terms of the offer to that date. Also on XXXX XXXX, XXXX, I arranged for a deposit of {$1000.00} into the new savings account via ACH withdrawal from XXXX of my other bank accounts. The Bank credited that money to my new savings account on XXXX XXXX, XXXX. 

I maintained that balance in that account throughout the XXXX period, which ended on XXXX XXXX, XXXX, and beyond XXXX it is still there ). Nevertheless, the Bank has failed to credit my account with the promised {$120.00}. On XX/XX/XXXX, I called the Bank to ascertain the status of the bonus. The rep. with whom I spoke stated ( after putting me on hold for XXXX minutes ) that the Bank had no record of any applicable promotion and that someone from the Bank 's " sales '' department would further research the issue and call me the morning of XX/XX/XXXX with a further update. Nobody from the Bank called me on the morning of XX/XX/XXXX. Also, immediately after my XX/XX/XXXX phone call, I sent an email to the Bank 's XXXX XXXX. VP in charge of XXXX Banking and the head of the branch in charge of my account, describing the issue and asking them to do what they could to expedite the deposit of the bonus into my account. Neither of them XXXX nor anyone else ) has responded to that email as of this time.
Consumer complaint received 2021-01-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NV)

on XX/XX/2021 I initiated 2 transfers using XXXX through Ally bank for a total of {$400.00}, this money was supposed to be transfer to a XXXX  XXXX XXXX account that I myself own. On the ally bank side it shows the transfers were completed. it is XX/XX/2021 and the money hasn't reached XXXX  XXXX XXXX. I spoke to XXXX on XX/XX/2021 and they said there is nothing they can do on their end they advised me to get in touch with ally bank so they can perform a trace on the funds. I have been on the phone with ally several times since then and nobody can tell me what's really going with my missing money. I decided to look up ally bank on the XXXX XXXX XXXX and they have one of the worst ratings with over XXXX complaints. ally bank is getting away with peoples money they need to be hold accountable. I have transferred money from ally bank to XXXX before using XXXX and never had an issue I know the email addresses im using are good and registered to receive XXXX payments. looking online there are thousands of people complaining about similar issues.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NJ)

After reviewing my credit report, I noticed several fraudulent accounts on my credit profile
per following

experian profile:
DISCOVER BANK
7 POTENTIALLY NEGATIVE MONTHS
Credit usage
47%
Balance
$XXXX  Balance updated
XXXX XXXX XXXX
Credit limit
$XXXX
Account info
Account number
XXXX  
equilfax profile XXXX XXXX
Credit usage
100%
Balance
$XXXX
Balance updated
JXXXX XXXX XXXX
Credit limit
$XXXX
Account info
Account number
XXXX
Consumer complaint received 2023-07-31
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (WV)

Department of EducationXXXX XXXX , Santander Consumer USA , Inc. , and XXXX XXXX XXXXXXXX ( third party from XXXX XXXX XXXX XXXX ) is on my credit report on false pretenses. According to XXXX XXXX XXXX I have obtained from all three companies state that my contracts were traded on the secondary market and the product/service was PAID the moment I signed the agreement. The companies listed above took those agreements and securitized them with the Federal Reserve. The above listed companies are committing Tax Evasion and Extortion according to the expert witness who conducted these certified audits.
Consumer complaint received 2023-02-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-10
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. (AL)

On XX/XX/2021 I went into the XXXX XXXX XXXX of XXXX in XXXX Alabama. A salesman greeted me and I told him that I just had my car refinanced and cut my interest rate in half, etc., but had noticed {$3500.00} incentives for a new XXXX XXXX, which I am interested in and the incentives ended in 2 days. We did the usual looking at my car and what they had available. I told him that my credit wasn't the best, have really been working on it ; I was out of work over 9 months because of a workplace accident, and workers comp isn't much. I knew that XXXX XXXX  XXXX  has a program to help, and the {$3500.00} incentive would really help. The salesman was XXXX. XXXX. He took my car keys to value it as a trade then when he came back said he would give them to me later. I was curious. I only wanted him to try XXXX XXXX and told him so. Quite a while later he came back and said that he couldn't get it financed. I asked for my keys back and he had to get them. I kept hearing notifications on my phone, and angrily told him that my Experian credit report, that I monitor, had " hard pulls '' for credit checks at least 5 times. I was LIVID. There were 19 total, the only activity on all 3 reports for that day, XX/XX/2021. XXXX  had 9 ; XXXX had 5, and Experian had 5. I found this out the next day. Two things are happening because of that ; my score is greatly lowered and the inquiries stay on there for TWO years. And if I apply for any other type of credit product, it looks as though I'm being irresponsible and just applying for anything ... not a good credit risk as they would see it, and it affects my ability greatly to try for another vehicle any time soon. I was just approved for a refinance loan! Furious. Only gave permission to check XXXX XXXX.
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (TX)

It appears that my credit report has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. The items I am disputing do not have any affiliation with me, I Included the aforementioned items in my prior complaint, and despite the numerous attempts to file a complaint against the items they still remain on my credit report Please block/remove these items : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1600.00} XXXXXXXX XXXX Date of Inquiry : XXXX
Consumer complaint received 2022-12-12
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. (MO)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-03-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-17
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)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts that I need immediate investigation : XXXX XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX Balance Owed : {$24000.00} UXXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX Balance Owed : {$0.00}. Under the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the disputed accounts I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.
Consumer complaint received 2024-02-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PulteGroup, Inc. (TX)

The loan originating fees were changed for no reason. These are the highest loan originating fees amongst all players and still they were increased even after being the highest. 

Please investigate if Pulte is consistently applying the same originating fees irrespective of the borrower
Consumer complaint received 2023-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

IVE BEEN A VICTIM OF IDENTITY THEFT THERES BEEN A OPEN FRAUDULENT THAT IVE NEVER APPLY OR REQUESTED, THIS ACCOUNT IS XXXX XXXX AND XXXX XXXX XXXX ACCOUNT IS FRAUDULENT OBTAIN BY SOMEONE WHO STOLEN MY IDENTITY, THE ACTION THAT WAS TAKEN A POLICE REPORT AND A FEDERAL TRADE COMMISSION REPORT.
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (VA)

last month i applied for a mortgage because i wanted to buy a house, i was denied because of a low credit score. I was confused because i really don't use my credit often.The mortgage broker gave me a copy of my credit report. I reviewed the credit report and noticed several fraudulent accounts. i contacted the bureaus and they requested the normal ID, social security and a utility bill. after a couple weeks i got confirmation that they where not going to remove them. I am so confused, thats why i am here.
Consumer complaint received 2020-06-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: MECHANICS BANK (CA)

On XXXX 2020. I went inside Mechanics Bank XXXX XXXX in XXXX California to withdraw XXXX dollars out my pre paid XXXX  XXXX XXXX card from unemployment benefits. The teller asked me to give her my card for the transaction, so I did as she asked. She came back to the window and explain to me the transaction for the withdrawal was approved but she couldnt issue me my money due to a bank code my bank card did not issue. She explained to me that the money came off my card, but she could not release the funds to me. She said that the problem had happened to a fair amount of other people. But it was nothing they could do, that I would have to wait for it to be returned to my card. I notified the XXXX  XXXX XXXX financial division thats over the account about the transaction, but they say the money posted as a withdrawal. I went back to Mechanics Bank in XXXX California on XX/XX/XXXX to do a follow up with the bank manager. She said that they still see the transaction, but its nothing they can do. That I just had to wait until it goes back on my card. Its been over a month now, and the reversal of funds still hasnt happened. I think there is fraudulent transactions going on at the bank, because Im not the only victim here. We are in the mist of a pandemic and recession and for them to take advantage of people on unemployment is totally unacceptable. Please investigate this matter so I can get my funds back to take care of my family during these harsh times. Thank you XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This erroneous late payment on my account is causing me considerable distress, especially considering my history of punctual payments. I implore you to rectify this error promptly by removing it from my account, as it does not accurately reflect my payment habits.
Consumer complaint received 2023-02-28
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX # ending in XXXX for XXXX XXXX, Acct # starting in XXXX for XXXX XXXX, Acct # starting in XXXX XXXX XXXX, Acct name XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.