davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-03-22
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. (OH)

I have sent several dispute personal information update letters to all three credit bearues in the. The only address that is correct XXXX XXXX XXXX XXXX XXXX XXXX. OH XXXX and phone number XXXX. I no longer work at XXXX as well.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

My Equifax credit report continues to report a collection from XXXX XXXX in the amount of {$200.00} dated XX/XX/XXXX, even though the age of the account dictates it should be removed. Equifax also " re-aged '' the account to show it more current than it is in order to keep it on file.
Consumer complaint received 2020-11-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. ()

I started communicating with XXXX XXXX XXXX XXXX XXXX XXXX XXXXNMLS ID XXXX Chase XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I disclosed to her that I was working with another company as well. She indicated that she was able to match the rates and asked permission to run my credit. However, she has refused to respond to our queries since then. 

My concern is that she should not be stringing customers along when she does want to service their business. Moreover, she should not have run our credit reports either.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I filed Chapter XXXX in XXXX of 2020. All of my creditors except for 3 are still sending me bills and reporting to the credit bureau that I owe them money and these creditors were included in the Chapter XXXX when I filed Those creditors are XXXX XXXX, XXXX ; XXXX and XXXX XXXXXX/XX/XXXX. They told me they closed the account, but after the Chapter XXXX was discharged they started sending me bills like it was never filed.
Consumer complaint received 2018-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have requested that the following accounts be removed immediately from my credit report. XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX. These accounts are fraudulent accounts on my credit report. I have sent a certified letter to the credit bureaus disputing theses accounts, as they are not correct. I challenge the accuracy, compliance and reportability of this listing. 
These accounts are still being reported inaccurately and are extremely damaging to my credit : In accordance with the Fair Credit Reporting Act sect ion 168i, your company is required to reinvestigate these items and delete them.
Consumer complaint received 2021-08-23
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: AMERICAN EXPRESS COMPANY (NY)

TO : AMERICAN EXPRESS XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date XX/XX/XXXX To Whom It May Concern, I was reaching out again that this is my FOURTH WRITTEN REQUEST, despite my three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 
Please accept this final WRITTEN OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recovery of all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items below are not deleted immediately. 
You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. Your results from your first + second investigation, stated in writing that you " verified '' that these items are being reported correctly. Who verified these accounts?? 
I have asked but not received any original documentation ( a consumer contract with my signature on it ) required under Section609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification required under Section611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I hate to bring the law into this but I need my information to be reported correctly on my report, it is my right. 

Account Name : AMERICAN EXPRESS. Account NumberXXXX OPENED DATE XX/XX/XXXX Errors Found : This is not mine and SS # not match, Account opened before the SS issued I never had this card. -- Card opening date is XX/XX/XXXX, Individual Account, that is FCRA violations Because, you reported wrong and incorrect information in my profile, My social security card issues ON XXXX XXXX after that my credit profile is Established, all of tradeline are reported wrongly. Please remove it Now. 
I have now pointed out the inconsistencies again, with more detail and this is my 4th written request to delete these accounts. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report to the address below after you have completed your deletions and corrections. Thank you,
Consumer complaint received 2021-08-23
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: Santander Consumer USA Holdings Inc. (AL)

My credit was ran without my consent or knowledge on XX/XX/ by Santander consumer USA, when I called them to ask if they had an authorization, identification of the person that applied for credit in my name, they told me to contact the credit reporting bureau & hung up the phone on me!
Consumer complaint received 2020-02-18
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. (NJ)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (DC)

Responded to repeated offers from the lender for a refinance to reduce my interest rate. Mortgage is held by the same lender. Completed application on XX/XX/XXXX. Application was cancelled without explanation 2 days later. Complained and application was re-opened on XX/XX/XXXX. After dozens of phone calls, dozens of emails, was informed by phone at my initiative that my refinance application was closed on XX/XX/XXXX for " incompleteness. '' No explanation was given and repeated requests for information and reconsideration have not been answered. I have no received correspondence from Freedom Mortgage, nor any adequate explanation. 

Customer service for this process was non-existent and infuriating. I emailed repeatedly with questions about forms I was being asked to sign. Only once was there a reply. I was asked for the same forms by different people multiple times. I requested updates dozens of times and there was no reply. I received dozens of calls from " customer advocates '' who were unable to tell me anything other than the fact that my application was still in process. I escalated the case to find out information on what the issue was and those escalations were not followed-up on by XXXX. I did not receive any signed copies of electronic forms, written notification, or other correspondence. I was not informed of reason for delays or were my questions answered. In the end, I did learn from my HELOC lender ( XXXX XXXX  ) that they were in a dispute with Freedom over the subordination agreement. 

Because of the 6 month ordeal with this application, interest rates have increased substantially and Freedom Mortgage has caused me a loss of opportunity in excess of {$15000.00} dollars.
Consumer complaint received 2024-03-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Subject : Formal Complaint against Capital One Auto Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One Auto for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Capital One Auto placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with Capital ONE Auto, including text messages, emails, and phone calls. I insist on engaging through written correspondence. 

In line with my rights under the Fair Debt Collection Practices ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Capital One Auto provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Capital One Auto is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 

The date on my consumer report indicating that I opened an account with Capital One Auto is blatantly false. I neither received any services nor products from this company. This information tarnishes my credit history and infringes upon my consumer rights. 

Moreover, it has come to my attention that Capital One Auto is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. 

The actions of Capital One Auto constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( C ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-s2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 

Please keep me informed about the progress of this complaint, and I appreciate your attention.
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

My Amazon Prime Store Card with Synchrony Bank was unexpectedly closed and all of my rewards points were taken from me, without warning, despite years of being a customer and never once so much as being late on a single payment. When I called, I was told that I had too many " dishonored payments on the account '' and the rep explained that when more than one payment gets returned within a 24 hour payment then the account is automatically closed. When asked, the rep couldn't even tell me which payments were " dishonored. '' She could find one, but couldn't even find a second and couldn't explain why the account would be closed. She also couldn't fix it or reinstate my points. Spending the time to go back through my statements on my own, I see that two payments were apparently returned, 11 months apart. I can't recall if this is even accurate, but the payments were fixed and made timely. This reeks of a predatory practice to eliminate customers ' rewards points for customers who aren't paying interest or otherwise creating a profit because their card is being timely paid every month.
Consumer complaint received 2020-11-18
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: Experian Information Solutions Inc. (CA)

THIS IS NOT A DUPLICATE. You have not addressed the illegal violation. You had 30 days to investigate. You did not, therefore you must delete the improper designations. 

THAT'S NOT A DUPLICATE, THAT'S YOU STALLING AND LYING IN ORDER TO TRY NOT TO FOLLOW THE LAW!
Consumer complaint received 2023-04-04
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)

On XX/XX/, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I received a letter stating, " They do not report any bankruptcies to anyone. '' Therefore, if that is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to 15 USC 1681.

15 USC 1681. section 603 ( 3 ) ( E ) states, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of that consumer reported on or with others that he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681.

- According to, U.S.C. 1681 section 602 A. states I have the rights to privacy.

- According to, U.S.C. 1681 section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instruction - According to, 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (WA)

In XXXX of 2021 I opened an account with Key Bank. When setting up my account, I made sure that I did not allow the institution to overdraft my account. Since setting up my account, I have repeatedly been charged overdraft fees for one-time debit card transactions, which are exempt from overdraft charges according to CFPB 's regulation 1005.17. 

I last submitted a complaint to the CFPB on this issue on XX/XX/2021 ( complaint ID XXXX ) after repeated attempts to resolve the issue with Key directly. Key issued a statement promising to reverse the charges, in the amount of {$77.00} by my next bank statement. That bank statement has come and the refund has not. This is a financial institution with many billions of dollars at this disposal, yet they are unable to treat their customers with dignity and respect? 

Additionally, Key has started charging me with ATM fees, though I have not used any ATMs in this billing period.
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 — Information belongs to someone else
Company: CL Holdings LLC (AZ)

there's a debt on my credit report of {$2600.00} from JEFFERSON CAPITAL SYSTEMS opened on XX/XX/2021 that is not mine. I have contacted JEFFERSON CAPITAL SYSTEMS many times to get this debt removed due to it being not my debt. I feel this is a fraudulent debt. JEFFERSON CAPITAL SYSTEMS did not contact me or gave me any validation letters about this debt. This debt is not mine and they will not let me dispute this with them. Due to this being fraud I want this removed as soon as possible.
Consumer complaint received 2021-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

I have direct deposit and during covid was using extra help from XXXX apps and other quick pay apps and when my direct deposit hit my account ahows more than 7 charges of {$34.00} each on nsf fees called to have them reversed since I have direct deposit to cover the charge and they told me I have reached the maximum nsf reversals this is not fair I receive social security and an income from part time caregiving job to my elderly mom please help me Im always negative because thr nsf fees are too many and can not keep this way I have place not to authorize any transactions when account doesnt have enough and still negative
Consumer complaint received 2020-02-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I chose to close out my savings account with Capital One, on or about XX/XX/XXXX. As of XX/XX/XXXX, Capital One has not sent the required 1099INT forms as required by law, which must be mailed and/or available by XX/XX/XXXX.. When i called, the representative knew this was an issue, but stated it will be mailed shortly and to give it another 10 business days. 

When i began asking about why it was not mailed, or why i can not access it online, he became rude and hung up the phone.
Consumer complaint received 2023-04-04
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. (MI)

Due to a security breach with Equifax my privacy information was used to place hard inquiries on my credit report. I asked Equifax to provide me with documents that I approved authorization. On XX/XX/2023 I spoke with XXXX of Equifax that refuse to remove hard inquiries on my credit report that I did not authorize. 15 USC code 1681 b states that credit needs to be adequate when reporting. I am asking that cfpb look in the wrong doing of Equifax. If Equifax can not provide me with a handwritten signature please inform them they must remove inadequate information.
Consumer complaint received 2021-05-02
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NY)

It is quite obvious based on our dealings with this individual XXXX XXXX of TD Bank Commercial Lending that he is discriminating against me as a very well qualified individual for a commercial mortgage for XXXX XXXX XXXX XXXX, after wasting more than weeks of our time, escalating documents required, when we have perfect credit, a thriving business even during coronavirus shutdowns and race riots, etc. He has insulted us, talked down to us, and denied us a mortgage even without presenting us a formal letter based on objective criteria, simply because he " can. '' I am certain he approves similarly situated white men and XXXX men under similar circumstances, all of the time. Please investigate and advise.
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

Jefferson CapitalXXXX XXXX XXXX XXXX XX/XX/2019 Attempted To Let Them Know My Identity Has Been Stolen & Wanted Them To Verify Debt With My ID & Signature On Original Document They Haven't Produced.
Consumer complaint received 2021-06-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp. (VA)

On XX/XX/XXXX of XXXX  I checked my credit report and found an collection account that I didn't recognize. Knowing this entry had to be a mistake I sent a debt validation letter to Absolute Resolutions that same day. 

On XX/XX/XXXX of XXXX  I received a response from the company saying that an investigation was going to be done into the matter and in the meantime the account would be deleted from the credit reporting bureaus, that was never done. I never received any update or validation into this erroneous account. Instead, it remained on my credit reports and continued to lower my credit scores. 

On XX/XX/XXXX of XXXX  I sent a following up request into this matter directly to Absolute Resolutions. I let them know that it had been over 5 month since my initial request for validation and advised them that they had violated my consumer rights by having the account removed from my credit reports and by not validating the debt while continuing to report it. 

I advised them that their silence was obviously and admission of silence and I was under the impression that the debt should have been removed because they failed their legal duty to answer my claims. They in response they sent me a letter stating that my request for validation was frivolous and irrelevant even though they never followed up their legal end of the deal. 

I am requesting for this account to be removed from all 3 of my credit profiles immediately.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A few years back we entered into an agreement to have my student loans reinstated and have a payment plan. Part of our agreement was to have the late payments removed from my accounts and updated with all 3 credit reporting bureaus. This was never done despite us following through. This is now negatively impacting my credit.