davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-01
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)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-01
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. (NC)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX CARD XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$100.00} ; MEDICAL XXXX Balance : {$64.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}.
Consumer complaint received 2021-02-12
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. (NY)

Despite the written appeals I sent, any kind of response was taken for granted. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : EQUIFAX : XXXX XXXX XXXX XX/XX/XXXX {$90.00} BANKRUPTCY : DISCHARGED CH-XXXX  XXXX XX/XX/XXXX {$0.00} XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2021-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION (NC)

I have reviewed a copy of my credit report and seen there were some inaccurate and fraudulent accounts that are not mines and will need them to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, PENTAGON FEDERAL CR UN XXXX XXXX, XXXX  XXXX XXXX # XXXX Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to release my medical information to a third party ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I am aware that HIPPA does allow for limited information about me but anything more than to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical Information to you.
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Snow and Sauerteig LLP (IN)

1. Received a letter from Snow & Sauerteig LLP stating that I owe {$330.00} to XXXX XXXX XXXX dated XX/XX/XXXX 2. I issued a letter dated XX/XX/XXXX contesting the validity of the debt 3. Snow and Sauerteig LLP received letter on XX/XX/XXXX 4. Tried to contact them on XX/XX/XXXX seeing if the have gotten said letter. Got answering machine I issued a letter contesting the validity of the
Consumer complaint received 2022-01-09
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. (NC)

On XX/XX/XXXX I sent dispute letters to XXXX, XXXX, and Transunion credit bureaus and I have not received responses. None of the bureaus are following the laws to respond to me within the allowable timeframes. It has been over the 45 days since I sent my letters was supposed to received their investigation responses by now. This is causing me financial distress and keeping me from qualifying for a mortgage. I am deeply disappointed with the inconsistencies and plain incorrect information reflected and do not understand why it is taking so long for them to address. I demand that they immediately remove these accounts from my credit reports.
Consumer complaint received 2021-10-13
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: Experian Information Solutions Inc. (PA)

I sent letters to XXXX, Experian, XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 171 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked, removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.
Consumer complaint received 2021-01-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On my credit reports there is a closed account with huge amount of missed payments. BANK OF AMERICA Opened XXXX. XXXX, 2018 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-10-13
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)

I sent letters to Equifax, XXXX, XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 171 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked, removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.
Consumer complaint received 2020-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My name is XXXX XXXX XXXX. On XX/XX/2017 thieves broke into my car and stole my purse with my Bank of America debit card and my personal ID. Immediately, I called the back to have my credit cards cancel. I made a police report. Because I collect my pension from XXXX, I couldn't cancel the bank account itself but work out with the bank personal to keep this open and they open another one in the meantime. I called my bank in XXXX the one who deposits my pension- they were also aware that I was changing bank accounts but asking me to keep it open because of bureaucracy the change can not be made immediately. During all this time the bank personnel was aware of this ... and were waiting for my pension.. ( less than {$500.00} per month ). They were also aware of what had happened related to my stolen purse. My bank account never NEVER has had more than {$500.00} dollars. I don't even have personal checks, I just use the debit card, I don't have a credit card. Thieves first cashed {$60.00} dollars. I called the bank and they refunded it. But days later they fake a {$1.00} deposit and cashed too ... I never had that amount on my bank account. During all this time I called the bank many, many times, and they told me they were investigating ... HOWEVER, after waiting for weeks, I got a letter that says that I owe the bank {$800.00} ... and that the incident is closed. I did not pay that. But now, two years later the bank deducted {$160.00} dollars ( all that I have ) from my bank account + {$40.00} + {$70.00} the following days so my account is in red. I contacted the bank and the only option offered was 'a payment plan ', I am desperate. Please help.
Consumer complaint received 2021-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

New refinance mortgage loan with XXXX XXXX and loan sold to Suntrust Bank 2 months ago. Typical phone wait time to Suntrust is about 30-40 minutes to speak with anyone at Suntrust regarding mortgage issues. I tried to setup a ACH mortgage payments to Suntrust and I got a denial letter and now I tried to pay online with ACH and unknown if payment was accepted by Suntrust. Suntrust is the worst mortgage lender for poor communications. CFPB please help me. 
Suntrust loan # XXXX. 
Thanks
Consumer complaint received 2020-12-11
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. (FL)

I have made several attempts to resolve incorrect items being reported to Equifax. I have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. I have also asked them what method of verification was used, and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts : 1. XXXX XXXX- XXXX 2. XXXX XXXX- XXXX 3. XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NJ)

I was rejected for an American Express XXXX card. As a consumer with an 800+ FICO score and no delinquencies, I found the rejection curious and wished to drill down more on the particulars of the original automated rejection which took only about 10 seconds online. I called the number listed ( days later upon receiving the snail mail letter and downloading my XXXX  credit report as suggested in the letter ). 

The XXXX call center, rather than having greater access to detail regarding the rejection, actually had less. They could not even see the text of the rejection letter. If, for example, the Amex computer tells me I " have too many new bank card accounts '' and I review the Experian report and see very few under my name and SS #, the natural next question is how many is too many, and over what period of time does Amex define " new ''. I spoke to 2 persons in XXXX : XXXX, ID XXXX, and her supervisor, XXXX, ID XXXX. 

I then escalated to the Executive Customer Care office. XXXX XXXX, an Executive Assistant in  that office said she would research the matter. While she did follow-up, she failed to to provide even the most rudimentary information. She did state " too many new bank card accounts '' means XXXX or more, though she could not ( or would not ) tell me the time frame Amex regards as a " new '' account. As we reviewed the Experian credit report Amex computers relied on to issue the rejection, we could see very few ( no where near XXXX ) were opened in the most recent year or two, a time frame a reasonable person might regard as " new ''. 

As a result, I found her cavalier dismissal of my concerns completely inadequate and would like reconsideration of this decision. She said the call was recorded by American Express and I have no objection to the release of that conversation for CFBP review.
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (AL)

I was contacted by TrueAccord on XX/XX/21 ( SUNDAY ) through an EMAIL from an agent named XXXX XXXX, then I sent a reply that my name is being fraudulently misused and then I received an email on XX/XX/21 from an agent named XXXX XXXX. ( Last name was not mentioned other than the initial XXXX ), that stated : Taken from the FTC Fraud Affidavit and meant to help with the investigation. Please answer as many as you can and attach any supporting documentation. 
Please provide your full legal name, date of birth, drivers license number, current address, and the date you first lived at that address. 

Please provide information about the fraud ( like when you first discovered it, when you reported it to authorities or others, details about other frauds committee using your personal information ). 

If you know the name of the person who used your information or identification documents to open new accounts or use your existing accounts or otherwise commit fraud please provide their name, address, phone number and any other information about the crime ( like how the identity thief gained access to your information ). 

Attach any police report, government ID containing your signature, or other document that you believe would be relevant. 


If you prefer, you can mail this information to XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX, but I did not. Also, XXXX XXXX had the original address : XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX, that XXXX XXXX used for XXXX on XX/XX/21 BUT she also enclosed another address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX, within the email Thank you, XXXX XXXX
Consumer complaint received 2021-01-28
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: General Motors Financial Company, Inc. (SC)

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. AMERICREDIT XXXX, Inquiry : XX/XX/XXXX. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2019-03-15
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: MicroBilt / PRBC (formerly CL Verify) (TX)

I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.
Consumer complaint received 2022-04-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Good afternoon. 

My Auto account number ending XXXX My XXXX XXXX  was repossessed on XX/XX/XXXX. I gave my Fiance permission to pay off the account settlement balance of {$9800.00} so that we could retain the vehicle back. The payment was wire transferred over as directed by Capital One on XX/XX/XXXX where it got stuck in compliance review for XXXX business days, leaving us without a car for XXXX weeks. We called nearly every day to see if our payment had been processed so we could get our vehicle back. The car has already been sent to auction on XX/XX/XXXX, we have hired a lawyer to represent us in this action that they moved the vehicle before a resolution was made on our issue. 

As stated, Capital One XXXX failed to process our payment as agreed within a timely manner and has caused severe damages which included loss of funds {$9800.00} for XXXX business days, as well as loss of transportation for XXXX weeks with no vehicle. And now the vehicle is up for auction without the company responding to our resolution request with our XXXX. This is poor customer and consumer care, as I have made several attempts to fix my mistake of my car being repossessed and should have had it back on XX/XX/XXXX as agreed. I was told payment would take 2-4 hours to process, which somehow turned into 21 days and we had to have our bank ( XXXX ) reverse the wire and retrieve it back since Capital one was refusing to have the payment processed through their third party wire transfer, which we were directed directly from Capital One to send the wire transfer through that XXXX party ( XXXX  XXXX  XXXX  ) . that 3rd party reported to my bank that Capital One never authorized this wire transfer for the account and could not process it on their end. Funds were then reversed XXXX business days after the fact. 

Capital one has done nothing at all in attempts to make this situation right and in fact have been very difficult to work with during this entire process. They have made obtaining my vehicle back after repossession completely impossible. I am under suspicion that they have done this on purpose in a ways to sell my car and sue me for the remaining balance when I have proof that payment was sent to them on XX/XX/XXXX to close the account out on a settlement to get the car back.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Equifax refuse to send my free annual credit report. i filed a complaint with CFPB case # XXXX they answered this stating I must send proof of documents driver 's license etc. I sent this to them already. 
WHY ARE WE GOING IN CIRCLES?? DID THEY LOSS MY PERSONAL INFORMATION!! 

WHERE IS MY FREE ANNUAL CREDIT REPORT. THAT IS WHAT I'M ASKING FOR AND MY CREDIT SCORE. WHAT IS SO HARD. 

I SENT IN MY REQUEST WITH ALL REQUIRED DOCUMENTS. pLEASE MAIL TO MY MAILING ADDRESS. YOUR VIOLATING MY RIGHTS.
Consumer complaint received 2022-04-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (TX)

I bought a new vehicle and the following day removed the warranty in the amount of {$8000.00}, XXXX XXXX sent out a check to Truist with all of my information, Truist then deposited the {$8000.00} to an account that wasnt mine on XX/XX/2022, I had to contact XXXX to make sure they sent the check which is when they stated it was sent and cashed by the bank on XX/XX/2022. I called Truist bank XXXX times from XXXX ( today ) and they still have no removed my money from the account they placed it in into my account to apply toward my loan, Truist fraud department has stated they were unable to reverse the {$8000.00} check that clearly wasnt supposed to go into someone elses account.
Consumer complaint received 2021-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

in XX/XX/2021 I noticed this company reporting multiple debts on my credit report. I don't know who this company is or even engaging in any business with them. I asked them to verify who they are, which contract I signed for what good or service which they provided to me and dates. They have yet to send me any valid information or method of such.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX  Date Updated : XX/XX/2021