davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
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. (NY)

Dear Credit Credit Bureaus, I am writing to express my deep dissatisfaction with the handling of my disputes regarding two accounts that I strongly believe to be fraudulent and the result of identity theft. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite multiple attempts to bring this matter to your attention, I have yet to see any meaningful resolution. I have repeatedly requested information under UCC 11 to validate these accounts, but to no avail. It is deeply concerning that despite my efforts, these fraudulent accounts remain on my record, in clear violation of federal laws. 

Furthermore, I have submitted an affidavit of identity theft, providing clear evidence of the fraudulent nature of these accounts. However, it appears that this important documentation has been disregarded, and a proper investigation into the matter has not been conducted. This failure to address my concerns could potentially lead to legal repercussions, and I am deeply troubled by the lack of action on your part. 

I am formally requesting that these fraudulent accounts be promptly removed from my credit report, and that all necessary updates be made without further delay. Enclosed with this letter, you will find a copy of the affidavit of identity theft that I previously submitted for your reference. 

Please be advised that this is my final attempt to resolve this matter amicably before considering taking legal action. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to pursue all available legal avenues to ensure that my dispute is handled properly and in accordance with the law. 

I urge you to take immediate action to address this situation and rectify the errors on my credit report. I expect a prompt response within [ specify a reasonable timeframe ] confirming the removal of these fraudulent accounts. 

Thank you for your attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXX Enclosure : Affidavit of Identity Theft Social security number Lease with address
Consumer complaint received 2021-11-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

I received a collection letter from this company named " Commonwealth Financial '' I disputed this debt under section the " Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } ''. The company then responded providing my medical records ( showing the service that I received from the original medical facility named ( XXXX XXXX XXXX ). I've included their initial letter sent to me, my response, and their response. This company is in violation of my Hippa rights and I intend to sue for under a " Hippa Violation ''. 

The original hospital will also receive a lawsuit from me because they've disclosed my personal medial record illegally. NO HIPPA SIGNATURE WAS PROVIDED BY THE collection agency. 

This is also a alleged debt which happens to update the statement date illegally as well! The patient statement date showing ( XXXX ) is inaccurate. This company is illegally updating the statement date so they can illegally collect on a debt which is outside the statue of limitation 's, a Hippa violation, and inaccurately and illegally reporting FALSE statement dates. I live in XXXX, TX and my Employer can also verify I've NEVER received service on XXXX. 

Reporting inaccurate service date makes this collection company in violation under " FCRA section 605 ( c ) ... ..Meaning they've re-aged a debt so the debt is inside of the statue of limitations, which is a down right LIE. 

I WILL MOST DEFINITELY FILE MULTILPE LAWSUITS AGAINST THIS COMPANY SHOULD THEY NOT STOP ALL COLLECTION ACTIVITIES. AND REMOVE THIS TRADELINE FROM MY CREDIT REPORTS.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$16000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$360.00} ; XXXX  XXXX Balance Owed : {$6400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 after the date of receipt.
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

During the month of XXXX I was alerted that someone was making charges on my account. The charges were made in a multitude from places outside of the United States. Some charges were with companies that I do business with and I was asked to look over my entire account. A couple charges were made through XXXX, one for {$9.00} and another for XXXX. My monthly charge for XXXX is XXXX and has been for a very long time. I answered the questions asked of Chase and assured them the XXXX and XXXX were not my charges. The monies were returned to my account. On XX/XX/2017, Chase withdrew XXXX from my account stating it was a claim reversal. I contacted Chase and was told that since I had an account with XXXX it appeared the charge was mine. I was taken back as I had previously been through claims, and there was absolutely no justification for reversing the claim based on my standard monthly charge. I have maintained my XXXX account and have always paid {$9.00} on the same date and the same amount. I then spent nearly an hour speaking with various Chase associates one who told me he could completely understand what happened and believed the reversal was a mistake. To date Chase has not returned the funds nor contacted me. I did not authorize, purchase, and absolutely was a victim of fraud. How the person obtained my Chase information is beyond me. {$9.00} is not going to break me, but it is my money, and Chase had absolutely no reason to take the money from my account. Chase 's logic and actions makes me worry and for the first time since I have been with the compay, afraid of the effects fraudulent activity will affect me. I
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2024-02-08
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. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FISERV INC. (KY)

After ordering from XXXX they suspended my account. They sent me this info in an email that you can not reply back to. Routing : XXXX Business Account Name : XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX, KY XXXX Account Phone : XXXX EIN : XXXX The funds were taken from my business account and I never received any of the items I purchased. I called Telecheck and they told me I had a negative remark on my drivers license from an account with XXXX XXXX. My drivers license is from the state of Kentucky and the number is XXXX. Upon hearing this I call XXXX XXXX  because I have never had an account with them. They pull up all of the info and tell me they dont show anything. I want to know wh is lying and has fraud been committed against me?
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I am writing to file a formal complaint against this agency for consistently reporting inaccurate information on my credit report, despite my repeated efforts to dispute and rectify the errors. This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) has caused significant financial and emotional distress, and I kindly request your intervention to resolve this matter appropriately. 
I submitted a dispute regarding multiple inaccuracies on my credit report. According to the FCRA, the agency is obligated to conduct a reasonable investigation into the disputed information within 30 days. However, despite this requirement, they failed to conduct a proper investigation and instead verified the inaccurate information without providing any valid evidence. This violation of my FCRA rights has resulted in ongoing damage to my creditworthiness and has hindered my ability to secure favorable lending terms.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

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 2024-02-06
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. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX 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 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX DELAWARE XXXX XXXX
Consumer complaint received 2017-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Ceannate (CA)

I recieved a letter of notification that my student loan balance was {$0.00} XX/XX/XXXX. 
I recieved in the mail last week XX/XX/XXXX a letter from FMS stating that I owed {$1200.00} +XXXX+XXXX in fees. 
I paid off the full {$20000.00} My first initial thought was that I am being scammed. I 've called the dept of education and they have transferred me to several different companies. No one can seem to tell me exactly why I got this letter. 
Please help me. 

XXXX
Consumer complaint received 2016-10-03
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CT)

I made 33 payments totaling {$19000.00} the car costs {$26000.00}. However, my balance is {$21000.00} meaning of {$19000.00} the principal applied was only {$4700.00}. Somewhere around {$3500.00} should be my interest for the 33 payments before the insurance applied the payment I should have been at {$17000.00} and some change considering that I paid for youse guys say that about XXXX and some change was applied to my principal.
Consumer complaint received 2024-02-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CrossCountry Mortgage LLC (MN)

We are selling our house in XXXX  to qualified veteran buyers who are assuming the loan. We started this process in XXXX XXXX XXXX. Our buyers had submitted all necessary documentation to Cross Country Mortgage for the loan. They signed the closing disclosures on XX/XX/XXXX and we were set to close before the initial closing date of XX/XX/XXXX. 

Over the holidays, we consistently called and spoke with people at XXXX  regularly and they assured us that they understood that we needed to close in XXXX because we are buying a house in XXXX 

On XX/XX/XXXX our title company had still not received any more information, so I called XXXX and they said that our loan had been sold. I said, " we are supposed to close today, what do you mean it has been sold? '' They couldn't give us any information because the new loan was not pulling up in their system until XX/XX/XXXX. 

We moved into the home we are purchasing in XXXX  with a short term rental agreement from XX/XX/XXXX through XX/XX/XXXX. Our sellers in XXXX  were kind enough to extend our rental through the end of XXXX so that we could close on the home in XXXX. I called and called XXXX and they never had any updates for us, they just said that they would put in a ticket to call us back. That never happened. 

I have filed two complaints with the XXXX  and XXXX replied that they understood that we needed to close in XXXX. 

It is now XX/XX/XXXX and if we do not close on the home in Virginia and the home in MN in XXXX, there will be two veteran families with children ( XXXX is XXXX XXXX ) who will be homeless. This is a very severe emergency and we are unable to reach anyone at XXXX who will help us. Apparently this happened to thousands of veteran families who were in the assumption process when XXXX sold the loans without allowing the assumptions to go through before changing the servicer.
Consumer complaint received 2016-05-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Van Ru Credit Corporation (VA)

Females from Van Rue of Illinois called XXXX, claiming to be from XXXX. I am in XXXX. They claim to be checking for some XXXX XXXX of a XXXX location. After checking, they are not from XXXX but from the rogue Van Rue Debt collector. I contacted individuals XXXX. XXXX XXXX appears to have its hands in several illegal acts : XXXX scam, embezzlement, and illegal drug sales.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX submitting to you today to inform you I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX  XXXX XXXX XXXX : {$170.00} XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My name is XXXX. I was XXXX XXXX XXXX and am now XXXXXXXX XXXX XXXX XXXX XXXX  ( my aunt ) XXXX, who died XXXXXXXX XXXX XXXX  at age XXXX. 

XXXX ( now her estate ) has two small accounts with Capital One : Account XXXX. XXXX and Account XXXX. XXXX. The combined value of both accounts is less than {$3000.00}. I am trying to obtain access to both of the above accounts. 

Aside from the above referenced accounts, the only asset in XXXX  name was an IRA with XXXXXXXX XXXX XXXXXXXX worth approximately {$31000.00}. Accordingly, under New York State law, her estate is not subject to probate ( it is too small ). 

On XX/XX/2022, at XXXX, I spoke with " XXXX XXXX at Capital One phone number XXXX. XXXX provided me with XXXX XXXX XXXX. I have tried to follow the Capital One line of communication for estate matters. However, only a blind Capital One email address is available, and interactive communication is impossible. I have tried to call numerous times, but the only response I get is the person is unavailable, leave a message ( which I do ), and no one returns my call. 

Since then I have had an attorney versed in NY estate law write to the bank explaining why funds should be released. Capital One ignores me, and ignores the attorney. 

My request to you is that you ask someone employed by Capital One with appropriate knowledge of bank deceased customer matters and NY law to call me to assist in resolving this matter.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am the victim of identity theft and Equifax, XXXX, and XXXX as well as secondary credit reports XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Thru the XXXX XXXX app, I notice fraudulent activity in my TransUnion credit report. I call Tranuinoin and explain that I have been a victim of fraud and I need these hard inquiries to be removed. Their customer service representative did no help or remove the negative inquiries reporting in my credit report. Please see below the creditors that made the hard inquiries in my credit report that I need to removed. Thank You 1- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX , VA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX