davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I was using XXXXXXXX XXXX for long time and all these period I was on Auto Pay, so I dont bother about payments every month. During last XXXX period, without my knowledge, Auto Pay is removed from my account. Due to this I missed a full payment on XX/XX/XXXX th but on the same billing period I was having a return payment of {$41.00} on XX/XX/XXXX which will offset the minimum payment of {$35.00} for the period XXXX XX/XX/XXXX to XX/XX/XXXX XXXX whose payment due date as per statement is XX/XX/XXXX. After that I missed one payment on XX/XX/XXXX. But I paid the full amount on XX/XX/XXXX as per the statement dated between XX/XX/XXXX to XX/XX/XXXX. This missed payment was reported and my credit score went down from XXXX to XXXX. I think this auto payment is accidentally removed by XXXXXXXX XXXX while doing changes on their online system as I can see a total different look and style between the statements printed from the site before and after XXXX, Also when I check online its missing a XXXX statement. When checked with them about the missing statement, they said its because I have XXXX balance that time. But I have several other statements with XXXX balance. Its very clear that some technical glitch from the company side caused these problem and discover is not ready to accept or admit their fault. I spend hours with them to resolve this issue with no result. The customer care personal who talk to me is coming up with many childish reasons and she said on XX/XX/XXXX I switched my linked Bank account and there was a problem with that switching and so on XX/XX/XXXX my auto pay is cancelled.I dont understand how they took my payment for 9  months even after they claim that there is a problem in linking my account. I need you help to resolve this issue and bring it to light. I am sure that this is not the only case. People always ignore these as they dont have time to go behind this. I may also ignore this, bu I am refinancing my house due to financial difficulty, and every penny counts as we are having difficulty in work due to the covid situation. I have all the statement and docs to prove my claim.
Consumer complaint received 2022-04-26
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. (NC)

There are accounts under my name that is a reporting inaccurately as well as inquiries that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them Please see attached documents for these accounts i am complaining.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2023 I opened up a Bank Account ( Checking Account ) With Truist ( where my direct deposit with be going into. ) at the time when I opened up the bank account I didnt set up a PIN or anything, The Banker said I will receive my debit card in 5 - 7 business days. A Few days later on the XXXX of XXXX I drove out of state to go visit my mother but before that I visited the branch to get a temporary debit card but was advised that my account is not eligible and then I contacted there customer services representative to see how far my debit card is, Representative couldnt find nor provide that information. On XXXX Of XXXX when I returned back home I contacted truist customer service regarding my Debit card because prior I checked my mailbox and I didnt received any mails from Truist. Representative told me my debit card was activated and that there were ATM withdrawals transactions totaling {$3000.00}. Transactions date & amount ( {$500.00} withdrew on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX totaling {$3000.00}. When I asked the representative how come I didnt received a notification regarding these transactions she couldnt provide a response. I advised the representative I never received my debit card nor set up a pin that these were fraudulent transactions & that the card was not activated by me. Representative transferred me to the fraud department we filed a claim regarding those transactions. On XXXX of XX/XX/2023 Fraudulent claim was denied Twice. Truist claim those transactions were authorized by me. I told the representative I had never received my debit card nor set up a pin for ATM transactions. On XXXX of XXXX contacted truist fraud department again for reinvestigation. Once again fraud claimed denied and said thats there final decision and they will not investigate. Advise the representative I filed a police report but said that it wont do anything and I asked what specific documentation I can provided agent couldnt clarify or provide a response. Asked representative if I can contacted the USPS but said theres nothing they will be able to do regarding this claim
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-01
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. (MD)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-30
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. (TX)

I XXXX XXXX XXXX, am filing this CFPB complaint concerning a dispute of re-investiga tion. Into inaccuracy being reported on my consumer credit reports. With XXXX, XXXX XXXX and Equifax Information Services. In my dispute I also had my disputes notorized as verification of the date they were filed In the filing of my disputes my federal rights were violated by the furnishers. Whom, were reporting of the inaccurate infromation.My rights were violated by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent my disputes requesting an reinvestigation into the negatively inaccurate informati on that was being reported. According to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). you are required by federal law to conduct a reasoable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. 

I demand to see verifiable Proof ( This should be-hard evidence that goes all the way back to the original creditor, not verification from a third database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the negative account. 

I had my disputes notirized to verify that I had submitted my disputes.And not only to show when the dispute letters were notorized as witness of the disputes. After, the filing of the disputes, I never received any notices of investigation results at all. Therefore, the Law is very clear as to the Civil Liability and the remedy available to me for " " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend to pursuing litigation in this matterto enforce my rights inder FCRA. 

In the filing of this CFPB, complaint XXXX demand first of all that the federal staues be followed. By all three credit bureaus, and furnishers. As, I know that credit bureaus do not conduact any reinvestigations. Thats why have not received any reivestigation information on any of my disputes. 

Thus has violated my federal rights over and over again, so I want the negative accounts deleted from my consumer reports with XXXX, XXXX XXXX XXXX XXXX and Equifax Information Services. 

( See attached copy of disputes submitted to the three mayor credit bureaus ) which will prevail all of my rights violated unDER : 15 USC 1681 611 ( a ) ( 1 ) ( A ) 15 usc 1681S-2 15 USC 1681 ( a ) ( 7 ) 15 USC 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ) I demand immediately deletion of account information or face Civil Liability.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NJ)

I have a British Airways Visa credit card from Chase. One of the benefits of this card is that I get a free companion ticket when I spend a minimum of {$30000.00} on the card within a calendar year. This is called the " Travel Together Ticket ''. It is good to any destination that British Airways flies and in any class of service - the same class that the primary ticket is purchased on. I do have to pay taxes, fees and carrier charges on the companion ticket. 

I have a BA Chase Redemption Voucher for a companion based on spending {$30000.00} on my BA Visa card. I went to the British Airways site to book my travel in Business Class to XXXX from XXXX XXXX, returning at XXXX, XXXX using my voucher. The total cost quoted was {$13000.00} WITH the voucher + XXXX XXXX points ( British Airways frequent flyer points ). I then went in to the British Airways site and, WITHOUT trying to redeem the voucher, just booked two tickets in business class on the same dates. The total cost was {$10000.00} and that is also WITHOUT using any XXXX points. 

How can the cost with a free ticket voucher be MORE EXPENSIVE in DOLLARS AND FREQUENT FLYER MILES than a person off the street just buying two tickets directly? And that too, it is SIGNIFICANTLY more expensive. 

I reached out to both British Airways and Chase to lodge a complaint. British Airways responded with a general message of apology saying that they had passed on my complaint to the concerned department. That was on XX/XX/XXXX. and I have not heard anything since. 

I called Chase customer service on XXXX XXXX XXXX and complained that the promotion that incented me to get the card was a Chase promotion and that the information was misleading as I was now having to pay MORE with my free ticket voucher ( after spending {$30000.00} in one calendar year to meet eligibility for the voucher ) than without it. They said I would have to resolve this issue with British Airways but at my insistence offered to send my complaint to their Marketing department. 

I received a letter from Chase dated XX/XX/XXXX saying " Please contact British Airways to help you with your concern about the Travel Together Ticket. '' I request you to help me as this promotion from Chase is totally misleading and fraudulent. 

Thanking you, XXXX XXXX
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

I purchased item from the XXXX XXXX. 
I placed order 2 same item by mistake so i canceled one with the XXXX XXXX. 
but my credit card charged for 2 items and declined my dispute.

I only pick up one item, and i talked to XXXX XXXX  several times verified with them my charge got refunded to Chase. 
I don't understand why my dispute got declined, i already submit my cancelation email from XXXX XXXX  and receipt also. 
they might got confused because I ordered same item in same day but should verify with order number. 
one I need to cancel/dispute is XXXX XXXX order number : XXXX please take care of this matter. 
thanks,
Consumer complaint received 2021-05-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

Hi I have spoken about this matter with XXXX and XXXX XXXX many times with the their agents over the phone. In which all agreed that that there a mistake on their end and promised to fix. However, never got fixed! 
I have proofs form my bank showing the payments has been deducted from my bank account. however, XXXX and XXXX has acted in gross negligence and incompetence to keep track of the payment. Every time I call them to fix the problem phone calls gets to be on average a XXXX hour long phone calls as they transfer me form XXXX representative to an other then hang up and I need to repeat. This added a duress on me. I called many time, where some of the phone end up with them admitting to a mistake on their part and promises they will fix within XXXX  day, but never do. Every time we look at the account it has different balances and payments, where none make mathematical sense, not hte bank can explain the their own accounting. 
I have sent many written request for the bank to fix the balance owned, where even I believe the balance was paid of. 
The bank XXXX and XXXX is commiting fraud at this point with the full knowledge and intent of commit the fraud. 
also, the bank has reported me as I have filed a bankruptcy tot he credit reporting agency in fraud. Where I never filed for such. This has harmed me for years and prevented me form seeking other bank loan to replace their loan. Such attics is part of their fraud scheme. 
In addition, the bank has been charging for a wrong interest on the account, where the bank admitted so. 
The record to prove their misconduct is many, I'll just upload a few. However, the bank is the record keeper and they must provide records. Once investigation start, I'll provide more proof. 
Also, the bank web site does reflect their monthly billing statements. Their monthly billing statements reflect wrong interest rate. The gross incompetency of record keeping is very clear.
Consumer complaint received 2020-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (IL)

PNC will not allow my XXXX app to connect to my account WITH MY SET UP AND AUTHORIZATION!! This app has helped my family out so much during hard times and Id really appreciate it if this discrepancy subsides expeditiously! Thank you so much for your time.
Consumer complaint received 2023-01-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Ive been disputing with credit acceptance for years now. Now my account is supposed to be closed and they will not remove the account off my credit. I was told by previous reps that once the account is paid off or have no balance it will be removed. Now that they agree to close the account they are not removing it off my accounts. For years they have been reporting inaccurate information and Ive been disputing it. They recently said they closed the account and the status should change they also say I dont owe anything. This information has been damaging to me I couldnt get another vehicle nor a home due to the reporting of repossessions which in fact it was repo XX/XX/XXXX. They reported repossessions each year each month on my payment history after they sold the vehicle. Ive asked for it to be corrected and removed over the phone just recently. They dont want to do either. I believe they willingly and knowingly know that they have been reporting incorrect information on my report they just dont want to fix it at all. I spoke with a representative XX/XX/XXXX who told me they dont have to remove the account off the credit seeing that I dont owe them. Even through the FDCRA you can modified, delete or permanently block this information they said they dont have to remove it. They also willing and knowingly reported false information which caused damage to my credit report. Which under the 15 U.S.C 1681-2 1 ( a ) 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. ( b2 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if
Consumer complaint received 2021-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion violated 5 of my federally protected rights by committing identity theft and pursuant to 15 USC 1681b ( 2 ) for furnishing my consumer report with no written consent from me. Transunion also violated the following federally protected rights and I sent Transunion an identity theft report, a notarized affidavit of truth with an invoice attached for {$5000.00} for the following violations. 
15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( 2 ) ( A ) ( i ) 15 USC 1681a ( 2 ) ( B ) 15 USC 1681a ( 3 ) 15 USC 1681b ( 2 )
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (GA)

I have asked Equifax several times to properly do an investigation and it has been more than 30 days and THEY CAN NOT FURNISH ME THE CONTRACT THAT I HAVE BETWEEN THEM but are constantly reporting it on my consumer report as Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX In According to 15 U.S. Code 1692g - validation of debts. According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate. In I have showed them multiple times of how they are keep violating the Fair Credit Reporting Act. This is hurting my future and I wish someone would hold them accountable for this improper reporting on my consumer report
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2021-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NJ)

Resurgent Capital Services is claiming I owe them for two debts they are currently reporting on my credit report. XXXX  XXXX XXXX Ref ID XXXX & XXXX XXXX XXXX ref I'd XXXX. The FDCPA entitled me the right to request these debts be validated, I sent two letters certified mailed and the information received did not validate the date in fact it looks unauthenticated. As if it was typed in house & not information provided by an allged credit card agency. This was the letter I sent requesting information they should have in house I also enclosed what they sent me which I can easily duplicate on a type writer. 
T0 : Resurgent Capital Services This is my 2nd attempt in trying to get the issues in my credit report resolved. I wrote you a letter in regards to two accounts you have listed in my credit report. 
1. LVNV Funding LLC # XXXX XXXX XXXX {$920.00} 2. LVNV Funding LLC # XXXX XXXX XXXX XXXX As a reply to my concerns I am just receiving template letters stating these accounts are verified. By law the information I am requesting I am entitled to if you can not provide this information these accounts need to be removed. The information I am requesting on the accounts are listed below. 
1. Original Contract with my signature 2. Pay off disclosure 3. Interest rate 4. Balance History 5. Payment History 6. Credit Insurance
Consumer complaint received 2022-10-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Avant Holding Company, Inc. (NJ)

I live in NJ and the law for this state says that a company can't charge more than XXXX XXXX for a personal loan. Avant is charging me XXXX XXXX  which is violating ursury law. I'm entitled to all intrest paid to be counted towards the payoff of the loan. After talking to them they cut my payment from {$430.00} to {$250.00} per month, but still never changed the XXXX XXXX rate to under XXXX XXXX And if you look at the credit reporting for this it has alot of missing information as though there trying to hide the fact of over charging me. They don't even post a payoff date. I notified them of what there doing is wrong early into the loan. But they refuse to make things right.