davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I just waited roughly 15 minutes to get a representative on the phone at BoA. I typically have long wait times, numerous irrelevant recorded messages I am subjected to that prevent me from reaching a representative and enable BoA to avoid dealing with issues for the card. This is the second time I have tried to call someone there to block XXXX XXXX XXXX  XXXX from charging my card, this year. The representative I reached, who had a XXXX  XXXX accent, refused to take any information I told her. I told BoA last year to block all attempts by XXXX  to charge my card for an unwanted membership renewal and was told that it would. But it has not and it is inordinately difficult to reach anyone who will stop these unauthorized, computerized charges to my card. Neither XXXX, nor BoA will stop the charges. XXXX  is in bankruptcy and is trying to gouge whatever money it can from its one-time customers and BoA is complicit in the effort. BoA is unduly burdening its customers to stop unauthorized charges. It should have done what it said it would do last year when I called about the problem : block XXXX  from doing the same thing again. 

Please impose more serious, actually effective, sanctions than you have to date to sanction BoA and, if needed, credit card processors, who are abusing my credit card. It is probably the case that millions of people are being scammed by credit card processors, banks and others who think they can automatically condone and renew memberships for whatever the XXXX they think they can get away with. The default needs to be that no membership for loyalty should be allowed to renew unless a credit card holder specifically requests it. This should apply to all loyalty programs, including, in particular, XXXX. As things stand, everyone thinks they can automatically renew unwanted services and this predation should absolutely be prohibited at all times, but especially during the covid-19 pandemic and its immediate aftermath.
Consumer complaint received 2022-08-21
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. (GA)

I disputed incorrect information on on 2 separate occasions waited the 30 days and did not receive a reposonse at all. One account was removed from my file and placed back on without any type of notice. My rights have been been violated as per the Fair Credit Act
Consumer complaint received 2024-09-12
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. (UT)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

Capital One Bank lost {$990.00} and refuses to locate where the {$990.00} went to. Capital One already admitted in a previous complaint they screwed up and will not take any accountability for their employee errors when one of their Associates told me they could " cancel '' the XXXX transaction. HOWEVER, LISTEN UP " XXXX '' with NO Last name that responded cowardly to my previous complaint without a chance to refute the erroneous information, I AM NOT interested in your corporate blah, blah, blah speak about your internal policies or how you do not hold the Bank accountable for employee mistakes to suite your own favor. I am only interested in Capital One locating where the {$990.00} went to after it left my bank account because the intended receiving party ( XXXX XXXX XXXX ) did NOT receive this money. One of your banking associates specifically said to me that the {$990.00} was " SENT '' but " NOT DELIVERED ''. So where did the {$990.00} go XXXX XXXX? Find It and Return it!!!!!!!!!!
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

i was invlove in a card accident this the only reason why i wasn't to manage my payments for the month of XXXX and this Month XXXX that is why i am requesting and have requested if the Late payment mark on my account can be removed. You can view my credit report i have never been late on this account
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I had an account with Huntington national bank. On XX/XX/XXXX I was locked out of my account. I called and they told me they were closing my account for high risk. I had some deposits into the account from my XXXX account that day And payroll the day prior. This was nothing abnormal. I was told for two weeks they were sending the instant transfer deposits back to my XXXX which they never did. They keep continuing to lie to me every time I call. I have called and spent several hours on with reps and supervisors. Each time I am told something different. Its been well over 30days I have not been notified at all about the account is being closed or what is going on. I have a positive balance of {$5700.00} that they owe me. I strongly believe they are trying to keep my money as no one will give me solid answers to what is going on. No will let me know when a check is being issued to me. Last week I was told a cashier check would be sent to me this week. Today I was told they arent sending a check to me and back to the deposit account which Im assuming is XXXX. First of all it was an instant transfer so if that was the case 5 wks ago they could of sent this back instantly to XXXX and never did. They keep continuing to lie! No one will talk to me. No one has notified me of anything. I have obligations to take care of and I need my money. This is extremely unacceptable. None of the deposits accounts were new. Everything deposited in my account had deposits several times in the past. I want answers. I want my money. I want someone to work with me and be honest because this bank is doing none of that.
Consumer complaint received 2024-09-12
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. (IL)

Consumer : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX. 

This CFB Complant has been filed Pursuant 15 U.S. Code 1681a ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX has been identified as a Person under this section as they are a cooperation. 

They have Violated Section ( 2 ) of this code as the consumer report does not include truncation or experiences between the consumer and person ( XXXX XXXX ) making the report by Reporting Late Pay Transactions in Violation of this Code : XXXX XXXX XXXX XXXX Late Pay transactions reported XXXX XXXX XXXX XXXX XXXX Late Pay transactions reported XXXX XXXX XXXX XXXX LATE PAY TRANSACTIONS REPORTED XXXX XXXX XXXX XXXX LATE PAY TRANSACTIONS REPORTED PURSUANT TO YOU ARE Liable to pay {$1000.00} to me per violation You have a total of 46 violation of {$46000.00} Remedy for violations I am demanding that you remove these illegal Late pay transactions off my credit immediately Please email me a XXXX XXXX
Consumer complaint received 2023-08-21
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. (NH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2020-07-07
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX {$160.00} Balance updated XX/XX/XXXX XXXX XXXX Credit Card Processors Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Furnishings - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage   Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage   Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Home Furnishings - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX all accounts and inquires ftc violations
Consumer complaint received 2022-11-16
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)

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please delete the late payment from this account : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-09
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. (TX)

I made goodwill gesture to allow the agency to correct the erroneous reporting, and I have maintained a careful record of my communications with the agency and now I am filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office due to the non-compliance of the agency. 

I do not agree with the item listed below which still appears on my credit report, even after a so-called Investigation. I would like this item immediately re- investigated. These inaccuracies are highly injurious to my credit rating. I have been turned down for job opportunities and many purchases due to this inaccurate report. 
The following is inaccurate : Company : XXXX XXXX Account Number : XXXX REASONS TO INVESTIGATE AND VALIDATE THE ACCOUNT validation of debt not given as requested, Date opened is incorrect, inaccurate payment dates, I DID NOT provide written permission for this account to be reporting to my credit report, Wrong date of last activity noted, Wrong balance listed, wrong payment dates listed .Wrong date of last activity noted, Wrong balance listed, Wrong credit limit amount listed. 
It is my understanding with MY RIGHTS AND federal consumer laws that they will check these items with the creditor who has posted them and provides documented validation of all reported inaccuracies and validates debt. 

I WANT THIS ACCOUNT AND ALL INACCURATE INFORMATION THAT IS NOT VALIDATED AND DOCUMENTS PROVIDED TO ME REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

JP MORGAN CHASE & CO, deliberately and intentionally closed my credit card account. However, according to JP MORGAN CHASE & CO 's XXXX form for the fiscal year that ended XX/XX/XXXX, XXXX file number XXXX filed with the Security and Exchange Commission ( SEC ) , in section Note 14 : Variable Interest Entities ( VIEs ) on page XXXX Significant Firm-sponsored variable interest entities, Credit card securitizations conspicuously states : XXXX Card Services business may securitize originated credit card loans, primarily through the Chase Issuance Trust ( the Trust XXXX XXXX The Firms continuing involvement in credit card securitizations includes servicing the receivables, retaining an undivided sellers interest in the receivables, retaining certain senior and subordinated securities and maintaining escrow accounts. This in fact confirms it to be a trust relationship which I am the beneficiary of, but received no benefit. A forensic XXXX audit of the XXXX  corresponding to the application/account, can and will confirm that the asset backed security, in this case being the credit card application, also referred to as commercial/chattel paper, was purchased, sold, pooled, transferred, securitized, invested and reinvested on the primary and/or secondary markets in both the public and private sectors. As an investor of JP MORGAN CHASE & CO, I am due equitable compensation. This is a clear violation of the XXXX XXXX XXXX of XXXX. Regardless of the reason ( s ) of the account being closed, I have the right to credit and interest. Withholding my access to my securities is securities fraud, unjust enrichment, a violation of the Equal Credit Opportunity Act ( ECOA ), as well as the Consumer Credit Protection Act ( CCPA ). If we are unable to reach a fair and reasonable agreement with the next XXXX ( XXXX ) days, I will have no other option than to pursue legal action for JP MORGAN CHASE & CO 's willful violations of the law.
Consumer complaint received 2024-12-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (IL)

Subject : Non-Compliance with FDCPA by Monterey Collections Details : Monterey Collections has failed to provide complete debt validation as required under the Fair Debt Collection Practices Act. 
Missing documentation includes : Proof of assignment from the original creditor. 
Detailed breakdown of charges. 
Information on whether a 1099-C was issued. 
The company is not licensed in Illinois, where the debt collection is being attempted.
Consumer complaint received 2020-07-07
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: Experian Information Solutions Inc. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$1200.00} XXXX XXXX XXXX {$900.00} XXXX  XXXX XXXX X {$8200.00} XXXX XXXX {$2900.00} XXXX XXXX {$290.00} XXXX  XXXX {$0.00} XXXX  XXXX {$110.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$23000.00} CHAPTERXXXX BANKRUPTCY DISHCARGED XXXX {$0.00}
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-02-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

I have been experiencing issues with I.C. Systems regarding an alleged debt that they have been reporting on my consumer report. The debt amount is listed as {$1500.00}, and I have been disputing its validity since XXXX of 2022. Despite multiple attempts to request verification of this debt, I.C. Systems has not provided any supporting documentation to prove its validity. 

On XXXX, I sent my XXXX and final letters to XXXX XXXX I.C. Systems, requesting proof of the alleged debt and how they determined it meets the requirements for reporting. However, they have continuously disregarded my letters and have persistently reported the debt to my consumer report without providing any verification. Additionally, I successfully submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) complaint # XXXX about this unverifiable debt approximately a month ago. Logged in to the CFPB portal today to check the status but somehow my complaint can not be found. I.C. Systems has continued to report the debt XXXX more times within a two-week period. The most recent update was reported on XXXX, XXXX and XXXX I believe that I.C. Systems ' actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Their failure to provide adequate verification and their continuous reporting of an unverified debt have negatively impacted my creditworthiness and caused unnecessary distress. 

I am seeking resolution in the form of a cease reporting, where I.C. Systems immediately stops reporting this unverified debt to my consumer report until they can provide adequate proof of its validity. I request that they comply with the FCRA and FDCPA regulations to ensure accurate and lawful reporting practices. If they fail to cease reporting within a reasonable time frame, I request that appropriate fines be imposed on I.C. Systems, amounting to {$1000.00} for each day the unverified debt remains on my consumer report.

Thank you for your attention to this matter, and I hope for a swift resolution to address these violations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Email : XXXX XXXX