davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

I applied for a loan to purchase a motorcycle and was approved. The dealership submitted the loan documents to the financing company for processing. When an associate at the company processed the loan documents, that employee entered the information for my loan and several other consumers loan incorrectly into the system by adding the information twice. When I noticed the error in XX/XX/2022, I reached out to the dealership, and they followed up with the credit card issuer for the motorcycle. The credit card issuer is the one who confirmed one of their employees entered the information twice for my account and several other consumer accounts. However, instead of correcting the ENTIRE transaction, they merely adjusted the balance on my account, but still reported to all the credit bureaus the higher balance. When I contacted them on XX/XX/2022 to correct the " High Balance '' amount on my credit report, they told me I needed to do that by contacting all three ( XXXX ) credit bureau and then the credit reporting agencies would contact them. The financial institution creating this error ( Kawasaki Credit Card ) should have addressed and corrected this at the time of their initial investigation back in XXXX and not require the consumer to undo their employees error. They did not follow proper protocol to ensure that what they reported on my credit report was " accurate ''. They also seem to be complacent about aiding in getting it corrected and was adamant that " I '' needed to contact the credit bureaus to correct their error. Is this correct protocol/procedure? If so, this is not adhering to the Fair Credit Reporting Act as financial institutions have a " Legal '' responsibility to the consumers to do their due diligence in reporting accurately to consumer credit profiles. Kawasaki Credit Card managed through Citibank did not do this regarding a known error they created and as such is not compliant with the federal laws. Kawasaki Credit Card did not ensure that what they reported regarding my " high balance '', and potentially other consumer 's high balances, was accurate even after they became aware of the error made by one of their employees.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

Equifax websites have not been working correctly for years now. I have disputed several items on my credit report but every time I call to get a status, the customer service reps tell me that they can not authenticate my identity. I have answered several questions as they requested numerous times and still I can't get any access to get a status. I understand that Equifax outsources their customer service from XXXX and other XXXX countries but it is hard to get any type of help with my report. 
Also, I get confirmtaion emails staing that my dispute is complete but the website never works and it has been like this for 4+ years now. 
Please help!!!
Consumer complaint received 2022-04-07
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bonded Collectors of Wisconsin, Inc (WI)

They have been calling me for over XXXX  years. Over and over and over. They just keep calling. I have told them repeatedly to STOP calling me. They don't care, they just keep harassing me. I have never recieved anything in writing proving this debit and it has now turned into harassment and I want it to stop!
Consumer complaint received 2022-04-08
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it, I found several items on the report that are inaccurate/no proof that it belongs to the alleged debtor. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please DO NOT respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified/no contract accounts must be promptly deleted. Also, in accordance with FCRA regulations, any account that does not bear an original signature on contract stating that the alleged debt holder agrees to pay or verified such debt must be removed immediately. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. During the verification and validation of accounts, please note that federal law requires that all accounts under review are to be removed from credit reports until validated and verified. In accordance with federal guidelines on debt collection practices, verifiable proof would be a signed contract ( bearing original print signature ; excludes electronic signature ) between alleged debtor and creditor reporting an account to the credit repository. If no such contract exists, then by federal law the CRA is require under FCRA to remove the account ( s ). Failure to abide by federal guidelines could result in government sanctions, punitive damages being paid to alleged debtor. As a CRA, it is your responsibility to verify validity and accuracy of items reported. The CRA is has 30 days to verify and provide documented proof to alleged debtor. Please also provide your bonding agent should legal recourse in this matter be necessary. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Consumer complaint received 2022-04-08
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. (PA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.

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 hand written instructions
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (NC)

In accordance with the fair credit reporting act convergent account XXXX # XXXX financial data sys # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

! 5 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-03-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. ( A ), please investigate the unverifiable item/accounts/information below : BANK OF AMERICA XXXX
Consumer complaint received 2022-04-07
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. (PA)

I am a current victim of identity theft. FTC report number XXXX. XXXX, Equifax, and XXXX continue to report fraudulent activity to my credit profile. The following accounts and inquiries are reporting due to identity theft, and need to be blocked and deleted. XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXXK XX/XX/XXXXXXXX XXXX XXXX BANK XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXX BANK XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, EQUIFAX MORTGAGE SERVICE XX/XX/XXXX, EQUIFAX XXXX. I am a consumer in pursuant of 15 USC 1692 a-3 failure to delete requested acconts will result in violation in pursuant of 15 USC 1681 ( b ) ( d ) ( g ), damages will be sought in pursuant of 15 USC 78u-2.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021 it was alleged that i applied for a ( JPMCB CARD ) chase credit card however Ive never done so. I contacted XXXX  first to get clarification on the situation. I was informed that I would have to contact the company itself to get it situated and that if they were not able to remove it on their end that I would have to receive a letter stating that they are not able to do so, but that they give the credit bureaus the authority to do so on their behalf. I contacted Chase directly with the number that was provided under my XXXX account where they refused to help me and stated that if I was not applying for a credit card that they can not help me on the line nor could they send me anything in writing stating anything from above.
Consumer complaint received 2020-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

discover credit card froze my wife 's credit account without authorization because they needed to review tax returns and income. my wife had an established credit with them for two years. when i called to to ask about my wifes account they closed my account. this will affect my credit even though the credit card are payed in full. this company has not right close my account and affect my credit.
Consumer complaint received 2020-03-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (NH)

RE GMAC Financial Leasion XX/XX/XXXX Turned in my lease to the dealership XX/XX/XXXX called to check on status of my bill. Told me it may be up to 90 days. 
XX/XX/XXXX called again to check on status as was showing up as unpaid debt on my credit reports. They told me this was impossible since the bill was not completed. 
XX/XX/XXXX After failing to acquire a loan b/c of " overdue '' charges, to my GMAC Financial, I spoke with " XXXX '' and then " XXXX '' who noted " there was trouble with the system '' and they would expunge the negative report from my credit ( did happen ) ; send me a copy of the correspondence ( failed to do this ) and refused to have someone reach out to me RE what went wrong and how they would correct this in the future. 
XX/XX/XXXX. Seeing again, that money was owed to GMAC financial on my credit report, I spoke to " XXXX '' and then " XXXX '' who was unsure why a bill had not been sent ( after again confirming my correct address ). Again, they essentially refused to have someone reach out to me. This has taken hours of my time to resolve and created financial stresses.
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (AZ)

My husband is XXXX military and we got married XX/XX/XXXX. In accordance to the Military Lending Act my account is applicable for the cap rate of 6 %. On XX/XX/XXXX, I called to inquire on getting the 6 % cap and was told its only given to new applicants. The name is run through the DOD website at that time of application.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX XXXXccount Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?
Consumer complaint received 2020-05-05
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. (GA)

I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX  XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX DEPT OF EDXXXX : Acc : XXXX Date Opened : XX/XX/XXXX DEPT OF EDXXXX : Acc : XXXX Date Opened : XX/XX/XXXX XXXX  : Acc : XXXX Date Opened : XX/XX/XXXX XXXX : Acc : XXXX Date Opened : XX/XX/XXXX Fraudulent Collection : XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX   XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX HOSPITAL : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX XXXX
Consumer complaint received 2019-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MI)

I have a personal ( non business ) PayPal acct Last week I received an email saying aXXXX acct had been set up for me due to a CFPB regulation which had just taken effect. It is for holding cash balances. I do not ever have cash balances in PayPalI use it only to pay for goods and the PayPal is linked to my credit card. I have tried several times to reach PPal to tell them I do not need or want this acct. Each time I call, I go through their phone tree and then the call goes to busy and disconnects when I try their email form to request help, I get the message not currently available I want to know if the setup of this acct really is required by a CFPB regulation. And I want to know how to close this XXXX acct which was set up without my permission. Also, how do I get through to PayPal currently without getting hung up on or told e-mail help isnt available?
Consumer complaint received 2022-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (CA)

I called Aidvantage on XX/XX/XXXX and no one answered for about 2 hours. I called back on XX/XX/XXXX, and requested a refund for {$12000.00}. They were able to locate my loans and said they would process the refund request. I asked for an email confirmation but they said they could not provide an email confirmation. They just said that the refund will take 4-6 weeks to complete.

I read a lot of posts saying that their balances changed after 10 business days so, I called back on XX/XX/2022 since I was worried that my refund request was not processed. They said that the refund has been approved by the XXXX and sent to the XXXX. 
As of XX/XX/XXXX, XXXX weeks after my request, my XXXX account still has my old balance and is not updated to include the {$12000.00}. I also checked the aidvantage website and it has not changed.
Consumer complaint received 2021-08-12
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. (PA)

I have disputed this account with both Equifax and XXXX XXXX XXXX, and I read the XXXX  XXXX, which clearly states that a paid medical collection, especially a disputed paid medical collection MUST be deleted from a persons credit. Equifax has failed to follow that law. They are continuing to report a paid medical collection despite my repeated disputes! I demand justice!