davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

RE : Discrepancy in Credit Report Listings XXXX ( Account # XXXX ) ( Account # XXXX ) I am writing to formally raise a concern regarding a discrepancy in the reporting of my credit account ( Account # XXXX ) ( Account # XXXX ), across the three major credit bureaus - XXXX, Equifax, and XXXX . My recent review of my credit reports revealed inconsistent information regarding the open date of this account. XXXX 's report shows an open date of XX/XX/year>, while Equifax reports the open date as XX/XX/year> and XXXX is reporting XX/XX/year> also .This inconsistency is concerning and, as per my understanding, violates the principles of accuracy and completeness as mandated by the Fair Credit Reporting Act ( FCRA ) Under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have previously disputed this information, but the discrepancy was reported as validated and the inaccuracy remains on my credit reports. This is not only misleading but potentially damaging to my credit standing. The FCRA stipulates that all information on credit reports must be accurate and complete, and up-to-date. The current reporting fails to meet these standards.Therefore, I request an immediate deletion of the account. The importance of precise and consistent credit reporting can not be overstated, as it directly impacts my creditworthiness and financial reputation.Please find attached copies of the credit reports from XXXX, XXXX and Equifax, highlighting the discrepancy for your reference. I trust that you will address this matter with the urgency and seriousness it deserves. I expect a prompt response to this letter, confirming the commencement of the investigation and the actions being taken to rectify this discrepancy. Thank you for your attention to this important matter. Sincerely, XXXX XXXX
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Several checks were stolen from the post office. because I pay my bills twice a month there were approximately seven of mine taken, they were than either washed or deposited directly into a bank ( other than mine ) Chase bank is aware of the situation and reimbursed me for all but one. This check is in excess of {$4000.00} dollars and has yet to be remimbursed to me. allthe others have. This particular check is obvious fraud due to the fact that it remained payable to Chase mortgage and signed by an illegible individual. Chase is now saying that the bank ( I believe is XXXX XXXX  XXXX ) is dragging their feet therefore Chase is refusing to reimburse me. I am filing this complaint due to receiving a letter from Chase that they have put a timeline on this situation and if the other bank does not pay them I am out of luck and, to be exact {$4300.00} of luck and they will close the issue. I believe that it is such an obvious fraud that Chase should reimburse me and go after the other bank to be reimbursed to reimburse them, maybe then they will push a little harder if they are ones losing the money.
Consumer complaint received 2024-01-26
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. (PR)

There is some inaccurate or False information on the XXXX XXXX with the account number XXXX that is reporting on my credit report. 

First, this is a closed account, but this account is not reporting the date this account was closed. 
Second, the Balance ( {$20000.00} ) is bigger than the High balance ( {$10000.00} ) This is because there was a fraudulent charge made on this account. 
Third, The Payment History does not report a 30,60,90,120 days late before this account was Charge off by the account provider. 

This situation is affecting all my financial life.
Consumer complaint received 2023-02-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b 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 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Please see outlined issue ( s ) below : Improper Handling of Reported Fraud Claim Misapplied Payment ( Date ( s ) Inaccurate ) On XX/XX/2024, I made an outbound call to XXXX at XXXX. I advised rep of Stolen Card and Identity. I also advised that the suspect had been apprehended. The rep escalated the call to the Fraud Division, who was not very helpful. I subsequently called back on XX/XX/2024, to report the same issue. Again, no representative was willing to remedy the situation. I finally contacted on XX/XX/2024, where the Fraud Supervisor reversed the late payment and returned check fees, and also logged the fraudulent charges It was then that I emailed the supporting documents : Police report Arrest Report Property Recovery Report I was assured that the matter would be handled. I made a {$120.00} payment on XX/XX/2024, via the web portal. I received confirmation via email stating that my payment would not process until XXXX XXXX. This was not my request and was incorrect. As I did not receive said email until XXXX XXXX PST, I was not able to call Customer Service to rectify ( they were closed ). I called Customer Service on XX/XX/2024, to ensure I would not be adversely affected by the system issue ( XXXX states my account is past due when it is indeed current ), and was met with hostility, lies, and slander. The reps state that I did not submit fraud claim until XXXX XXXX whereas I have documented email and call log proof.
Consumer complaint received 2023-02-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b 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 2023-02-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

I recently filed complaint number XXXX in regards to escrow amount that should be XXXX because my husband is exempt from property taxes as a XXXX veteran. This was closed after the company responded that they need a XXXX tax bill showing that {$0.00} is owed. The county where I live will not generate a XXXX tax bill until XXXX. I have submitted multiple times the letter sent by the XXXX XXXX, Va XXXX of XXXX that states he is exempt for the amount of the assessed value of the home and it states that value will not be reassessed until XXXX. The XXXX XXXX, Va XXXX XXXX XXXX XXXX staff have told me on multiple occasions this document is sufficient for mortgage companies and no other documentation has ever been required in order for a veteran who earned this exemption to receive this benefit. They continue to not adjust the monthly mortgage payment to reflect this status. I have no intention of paying into escrow until XXXX when they are going to incorrectly figure my refund and I have to continue to complain to this entity. I would like assistance in having my mortgage transferred away from this dishonest company.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (IN)

I called and ask when my card would cycle for the month and the guy said on the XXXX. I told him I was trying to avoid putting to much on that months purchases so I could avoid finance charges. I also told him I want the payment date moved until the XXXX of the month and he tells me he can only can make it the XXXX of the month. He said don't worry it will not effect this months cycle and the card will still cycle on the XXXX. Pending charges have now been applied as they changed the cycle date after they said that it would not effect the cycle date. I call to complain about it and spoke to a so called manager and he said I can ask to put it back to the way it was but that will take 30 days. It only took someone 30 seconds to lie and XXXX up this account making my next months bill out of reach to avoid interest. I know complaining here is actually a waste of time as the CFPB does nothing but make up a data based on consumers complaints, So when does the government step up and do something? I guess this will also be filed with the Indiana Attorney General after the reply from Synchrony Bank which will continue to abuse their customers and do nothing to correct their inability to do what they say!
Consumer complaint received 2023-07-14
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. (MO)

notice to principle notice to principle is notice to agent the XXXX Credit company aren't furnishing and accurate and incorrect information to the consumer reporting agency The recording of subject inaccurate information has caused severe damage to my character or reputation my general mode of living and my ability to optain credit personal and house hold purposes. 
you and your inaccurate reporting have damaged my liveylihood. 15 USC 1681 they also stated that they could not dispute my five derogatory accounts on my credit and they said they do not dispute the ( 45 ) hard inquiries on my account I have sent countless certified letters so I have reported them to the CFPB the federal trade and the XXXX I would like for monetary compensation since they are a violation due to the fair credit reporting act.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

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. This collection found within my credit report is 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.
Consumer complaint received 2023-02-16
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: Experian Information Solutions Inc. (NJ)

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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 afte the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

XXXX XXXX XXXX Account # XXXX Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

NO CONSENT IS IDENTITY THEFT.

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-01-25
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. (DE)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; Medical XXXX Balance : {$280.00} ; XXXX XX/XX/XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 the attached documents and letter for the referenced issues from above.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

I received a bill for {$13000.00} from Wells Fargo due XX/XX/2023. On XX/XX/2023 I submited to XXXX XXXX bank to pay the amount in full by XX/XX/2023. On XX/XX/2023 Wells Fargo cashed the check charging me {$340.00} in interest + {$29.00} fee. 

In talking with Wells Fargo they state they cash checks on the day they receive them so they are not responsible. 

In talking with XXXX XXXX they say that they mailed the check on or around XX/XX/2023 and it is not their responsibilty. They have provided me a letter to that effect. Also for some reason it is their policy to mail a check when the amount is over {$10000.00} instead of doing a transfer. XXXX XXXX states they are not responsible because they mailed the check in plenty of time to get to Wells Fargo. 

I have requested from both banks that they provide the postmark date. Both banks say they are not willing/able to do that. 

I requested from XXXX to pay Wells Fargo in a timely manor. I followed all of the rules outlined and made the request in a timely manor. Neither bank is willing to take responsibility for this error, and I can not determine who is at fault. Did Wells Fargo misplace the check and cash it late or did XXXX send the check late.
Consumer complaint received 2023-05-18
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: Collection Associates, Ltd. (PA)

Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Citizens online bank advertises a savings account rate of 4.5 %. When I applied to open an account, I got an error message saying they weren't able to process my application and to try again the next business day. I did and received the same message and it gave a phone number. I called them and was told they couldn't open an account for me and would not give me any reason why. It's not clear to me what their end game is, but it feels fraudulent.