davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/XXXX I sent a letter to the credit bureau in regards to items on my credit report that were inaccurate. It has been over 30 days and I still have not received a response and it has been a huge burden for me effecting my ability to apply for loans, both personal and for my business. According to the law I should have received a response to my disputes by now or the items should have been deleted/updated. I checked my credit score again a few days ago and the same items I disputed remain on my report and have not been updated. Some of the items on the credit report show late payments that I was not aware of. I take paying my bills on time very seriously. As I mentioned, I am a XXXX XXXX  and COVID-19 has affected my business and ultimately affected my finances. To my understanding the CARES Act went in to effect in XX/XX/XXXX and was suppose to protect individuals like myself from creditors reporting late payments on my credit report. The credit bureau can review my credit report and see that I have always paid my debt on time if not early prior to Covid 19. My credit report shows that I was never late until Covid -19 took the world by storm. To date, even with Covid-19 still lingering I have made every effort to make my payments on time. The credit bureau should have not put " late payments '' on my credit report per the CARES Act, it has effected my credit score greatly.
Consumer complaint received 2015-11-21
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY (MA)

I received a cashiers check for XXXX After depositing, I waited several days for it to clear. It cleared. I then spent the money. 2 days after my bank said it had cleared, it was returned, and now I am in serious debt.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (OK)

On XXXX XXXX XXXX I opened Chase checking and savings accounts in response to a mailer from Chase that stated if I had funds placed into the checking account by direct deposit that within 15 days they would pay me {$300.00}. They have not paid me the {$300.00} and now claim that the promotion was applied to my account on XXXX XXXX, XXXX. Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX assured me on XXXX XXXX that I would receive the promotional funds as promised. I have never received those funds. 
After many phone calls to Chase, emails, and calls to XXXX XXXX and his branch manager apparently in an attempt to cover up their mistake, they applied the promotion to my account on XXXX XXXX, XXXX. Doing so extends the time I must wait to receive the promotional funds for my checking and savings accounts. 
XXXX I previously filed a complaint and Chase ignored the fact that my account was opened XXXX XXXX and should have had the promotion applied at that time by XXXX XXXX and after filing a complaint with the CFPB they attempted to cover up their mistake by applying the promotion on XXXX XXXX. This is not right..
Consumer complaint received 2024-02-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (NC)

We have our account set up for automatic monthly payments + {$100.00}. So far, every month, the autodraft has not included the extra {$100.00}. Even so, the principal balance should not be going up while we are making payments on it. 

The autodraft went through on XX/XX/XXXX. I have included a screenshot of our checking account activity for that week. In it, you can clearly see a payment of {$690.00}. At the end of XXXX ( I believe it was the XXXX ), I noticed that our loan account was flagged as 19 days delinquent. Our statement ( XXXX nonsense round XXXX ) showed a number of payments and reversals that are in no way reflected in our checking account. We called Wells Fargo, and were told that they could see the error, and would investigate. They expected it to take 5 business days, and we would receive something in the mail. We never received any mail. 

The autodraft for XXXX did not go through on the XXXX. We called on the XXXX, and were told that it was because the system erroneously believed we had made extra payments in XXXX, and had no balance due. I specifically asked if I should make a payment, and was told not to by a Wells Fargo employee. We were told that she was opening a second investigation into our account, which would take 5 business days. 

On the XXXX, our account was again flagged as delinquent. We called Wells Fargo and made a payment over the phone, and were again told that our account was being investigated to see why this was happening. 

Today, on the XXXX, our loan account shows an increasing number of fake transactions on the XXXX ( XXXX nonsense round XXXX ). Again, none of these transactions are in any way reflected in our checking account. This appears to be a system error entirely on the loan account. 

Adding insult to injury, I am including our statements from XX/XX/XXXX and XX/XX/XXXX, as well as a screenshot from our loan account page. The principle balance in XX/XX/XXXX was {$22000.00}. As of this morning, it is {$23000.00}. 

We made payments in XXXX and XXXX. Why do we owe more money now than we did in XXXX? 

We no longer have faith in Wells Fargo correcting this error. We need the Consumer Finance Protection Bureau to step in and make this right.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-30
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. (DE)

these inquiries do not belong to me and were not authorized XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (TX)

Credit System is reporting a fraudulent account on my credit report for a company name coserv acct # XXXX and so reporting a fraudulent address on my credit report that have never been associated with. I notified the company that I have been a victim of identity theft.
Consumer complaint received 2024-02-12
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. (TX)

I am writing to express my deep frustration and distress regarding the inaccuracies found on my recent credit report. Following a thorough investigation, I uncovered numerous unverifiable, invalidated, inaccurate, and questionable items that your agency has failed to report accurately. 

These errors have had a profound impact on my financial stability and XXXXXXXX XXXX, causing severe distress and frustration. It is unacceptable that your agency did not ensure the 100 % accuracy mandated by law under the Fair Credit Reporting Act. 

I demand immediate action to rectify these inaccuracies. Your agency must conduct a thorough review of the disputed items and promptly correct any errors found. Failure to address this matter with urgency will leave me with no choice but to pursue legal action to seek restitution for the damages caused by your negligence. 

I expect a prompt response detailing the steps taken to address the inaccuracies on my credit report.
Consumer complaint received 2021-03-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

XXXX managed my refunded student loan after the student loan forgiveness act. They are claiming that I didnt make payments but no one ever contacted me and told me that my payments were due. I paid my account in full in XXXX when I realized that my the loan refund was rejected due to the Supreme Court decision. Had I known, or if I had received correspondence sooner I would have paid it in full sooner. They have ruined my credit as a result. Before this my credit was near perfect and they destroyed it. This misunderstanding should be rectified immediately.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to formally dispute and request the removal of a collections account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USC 1681-s. 

The collections account in question, associated with CAPITAL ONE, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report. 

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws. 

The collection agency, CAPITAL ONE, has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA. 

Moreover, CAPITAL ONE has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 USD 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law. 

I am disputing any ownership of debts to CAPITAL ONE. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt. 
The purchase agreement between myself and the original creditor. 
I expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report. 

Please provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws. 

Sincerely,
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (SC)

This account was originally XXXX XXXXXXXX XXXX XXXX XXXX a fraudlent account opened with my personal information years ago. my wallet was stolen and car broken into with not only my personal information such as social security card, drivers license, and other personal information. not only mine but my entire families social security cards was in my wallet that was stolen and discovered the morning of my baby shower. other bureaus have done there investigation, and properly deleted this inaccuarate, none valid debt that NCA/ National Credit Adjusters keep reporting and they fail to Follow Suit and stop reporting and XXXX fail to delete and remove as XXXX has done so. 

NCA/ National Credit Adjusters original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX ( I did not open an account with them nor The XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Status reporting : OPEN and it's not an open account type reporting : -- Remarks : Account information disputed by consumer, meets FCRA requirements amount showing and reporting : {$440.00} none valid because when I originally found out about this fraudulent account opened in my name the original creditor XXXX XXXX informed me that it was a {$300.00} secure card that was opened and it used my information. This account been deleted and removed, then NCA ( NATIONAL CREDIT Adjusters ) come with reinsertion. 

XXXX and XXXX has failed to stop reporting this inaccurate, fraudulent information to my credit profile and has failed to do so for over 3 years now. 

Reinsertions have happened as well regarding this same 1 fraudulent account. I have screenshots as well. They try to gain extra money from me a well and has hindered my financial capabilities because of this faulty systems they have. Defamation to my character because I believe in paying my bills as long as they are truly my bills.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

The date was XX/XX/2024 I was trying to do a balance transfer at Bank of America online. My loan number came up but XXXX XXXX  came up. So each time I put the correct loan number in the name XXXX XXXX  came up. So I thought this was just another title they were using. So I called Bank of America XXXX explained what occurred XXXX to check XXXX see if it went to XXXX XXXX. They said it went to a XXXX XXXX XXXX XXXX XXXX XXXX they told me me it was still pending to call back. So I did then they told me it was released to call back. So I kept calling they kept telling me to call. So finally they told me it was nothing they can do XXXX to call XXXX XXXX  where the money went. So I did. XXXX told me me to contact BOA where the problem occurred this is the proper procedure when their customer have a problem. BOA told me to wait maybe the money would be returned. Nothing XXXX BOA said there is nothing they can do. I dont understand why they could not just cancel the transaction. I have never had a Bank that would not help their customer. Please help.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2020, Capital One credit card company sent me an email reminding me that my credit card payment was due. It offered me to make the payment due that day by clicking a send payment button. It was quick and easy and I have used this service before without a problem. 

Problem 1- The Capital One credit card payment was being taken from a Capital One checking account that I had closed XXXX  years ago. 

Problem 2- The payment was returned and I was charged the high-interest rate on my {$3100.00} balance credit card balance along with a late payment fee.

This was definitely a fraud and requires attention as I did not even have this OLD checking account as my payment. History will show that I had been using my XXXX account which I had since the XXXX. 

Submitted are the email and last year of payments to Capital One credit card from a bank different than the one they offered payment.