davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (MI)

On XX/XX/XXXX I discovered that there are addresses on file that is not affiliated with me. On XX/XX/2023, I sent a letter to the three credit bureaus regarding addresses showing on my credit report that aren't mine. Unfortunately, I have not received any response from the credit bureaus so far. According to th

e 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft. I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permis
sible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately.

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you
Consumer complaint received 2020-05-09
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: ALLY FINANCIAL INC. (TX)

I sued Ally Financial for harassing me with phone calls about payment. I won over 3k from them with a settlement. They blocked me from using the online payment portal and wouldn't speak to me over the phone which caused late payments. They are still harassing me by reporting to the 3 major credit bureaus, XXXX, XXXX   and XXXX  by showing late payments which they caused by blocking my online access. My account is paid off and I don't want them reporting to these bureaus. ( Improper use of account ) they can't report this account due to harassment. I see that they like giving away money so I will sue them again! If they don't contact the 3 bureaus and have this remove their reportings and send me back a letter stating that they closed and removed my account from these bureaus. I will file a complaint with the CFPB, BBB, FTC and any other company that accepts complaints along with sueing them again! I am sending letters out to the locations in XXXX and the location in XXXX, MN. and will wait to here back from them. If they don't they will have to deal with my lawyers again! Please removed this from reporting or send a letter stating that you will agree to XXXX, XXXX  and XXXX  to have this removed. I will remove the complaints and Reviews once this is done, Thank you!
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

This vehicle was voluntary surrendered XXXX or XXXX of XXXX in the height of XXXX XXXX. The vehicle was sent to a repair shop of the XXXX XXXX warranty companies. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was aware of this. The truck was a death trap, shouldve never been sold to a consumer, previously wrecked vehicle. The truck was sold at an auction and since has been charged off! However I never received any info regarding the remaining amount and pace is reporting a different amount to the credit bureaus every month. The amount and information on my credit report is inaccurate.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-08-11
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: Early Warning Services, LLC (MO)

InXX/XX/2023, I became aware of a credit reporting agency called Early Warnings Services, that was monitoring my bank transactions. I never verbally consented to the use of this information. Per 15 U.S. Code 6801 ( a ) Privacy obligation policy ; It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX financial institutions that have not honored this obligation by releasing transaction history to XXXX XXXXXXXX XXXX XXXX According to 15 U.S. Code 6802 ( a ) Notice requirements ; Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. None of these companies informed me of my right to exercise the option for nondisclosure. In accordance with 15 U.S. Code 1681C ( a ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account information shared with Early Warning Services is an adverse item that is being reported without my permission. This constitutes a violation of the law. In Accordance with 15 U.S. Code 1681n - Civil liability for willful noncompliance ; In general, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. In accordance with 12CFR 1016.7 ( h ) A consumer may exercise the right to opt out at any time. I am now opting out of reporting services from Early Warning Services. I am now opting out of any reporting services from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (MS)

In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2020-05-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (AR)

On XX/XX/2020, an atm withdrawal was made in XXXX, IL at XXXX XXXX, totaling {$140.00} from my Arkansas US Bank Reliacard that is used for my receipt of child support. I have tried to call US Bank reliacard at 3 different numbers, XXXX, XXXX, XXXX and spent a cumulative amount of over 5 hours on hold to get my card cancelled and speak to someone about the money that was stolen. I have not spoken with anyone, as no one has ever answered. On one call, after 2 hours and 35 minutes of holding, the system hung up on me. I need this card cancelled or future deposits will also be compromised and my losses need to be refunded. I have never even been to the city where the money was taken from an ATM.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MO)

In XX/XX/XXXX I tried obtaining a home loan for me and my family. At that time I discovered that an inaccurate account was still reporting on my credit report from a Bankruptcy that I filed back in XXXX. Upon discovering this, I disputed the inaccurate account with Discover Card and XXXX  Credit Bureau in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The Discover Card account is showing an outstanding balance of {$5800.00} and as an open account. The original amount that was filed in the Bankruptcy was for {$5500.00}. Due to the negligence of Discover not correcting their records, they have added interest and late fee 's onto this inaccurate Account. When I received the disputed results back from XXXX  Credit Bureau it always come back as VERIFIED AS ACCURATE. How is it verified as accurate when I have in black and white proof that shows there should not be a balance, the account should not be an open account, the account should not be a charge off and I included it in a Bankruptcy? That leads me to believe that either XXXX  DID NOT do a through investigation and did not give me my due process or when Discover Card sent information to XXXX  they DID NOT do a through investigation. None the less. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified as 100 % accurate information. I request that you DELETE this immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2020-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In the month of XX/XX/2019, I discovered a inaccurate collection being reported to all three of my credit reports. On XX/XX/2019 XXXX  had fixed and corrected the problem with their investigation. TransUnion and XXXX  had failed to fix or correct the problem. Ive sent both credit companies documents and requested numerous of investigations since then. TransUnion has been very hard to get a hold of to submit documentation and requests for investigations. Most of the time, Ive had to use their sister organizations with XXXX XXXX and XXXX XXXX just to request an investigation. Both their partners dont accept documentation. XXXX  is available to submit investigations and documentation but they fail to look into the relevant information. They are both reporting XXXX/XXXX XXXX in the amount of XXXX dollars. XXXX had sent a letter stating that no collection exists in my name. Ive sent this information to both credit agencies.
Consumer complaint received 2023-08-11
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. (FL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (TX)

Chase Sapphire XXXX advertises XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I filed a claim 2 months ago over a Trip Delay caused by weather on a flight I purchased through Chase. 
Our first flight from XXXX to XXXX XXXX was delayed due to inclement weather. This caused us to miss our connecting flight from XXXX to XXXX, which caused us to stay in XXXX center with a friend. XXXX XXXX rebooked us on the next flight to XXXX the next morning. Because of flight delay, I called a Chase travel advisor who said I could pick up my rental car at a new time, any time before XXXX on XX/XX/XXXX at the same location in XXXX XXXX When we arrived to XXXX, we arrived at XXXX to XXXX but it was closed, and the signage said it closed at XXXX. XXXX would not answer their phone number, which the Chase travel advisor had given me. We were forced to book a hotel for the night in XXXX. We were forced to cancel our XXXX reservation because a new Chase travel advisor said we could not pick up the car the next day, so we had to rebook at a higher rate. 
I explained all of this in the claim, including the proof of purchases and amounts. The Card Benefits Services used by Chase has had horrible service. After 2 months of processing, they denied most of my claim. I tried speaking with a representative multiple times yesterday and today ( XXXX and XXXX of XXXX ). They are either hanging up on me on purpose, or their phone service is severely congested, to where every time I call, the call drops within 5-10 minutes. It is impossible to get anywhere if the call continues to drop. 
On top of this, the representatives have been rude and give me conflicting information, changing their explanation for why my claim has been denied. Every time I ask for a supervisor, the call drops.
Consumer complaint received 2020-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (GA)

After selling a house I went in person to pay XXXX XXXX what I owed them. I never received any other correspondence from them other than non-descript emails about the arrival of my monthly e-bill. I had never signed up for an online account. A paper bill may have been sent to the house, but I no longer owned the house. 

A few months later I received a " robo call '' that sounded like spam. I recieved two more, in about monthly intervals and realized it was the same one so stayed on the line longer and found out it was a collector. I paid the bill. 

I did not realize this was put as a derogatory mark on my credit until recently when attempting to purchase a home. After several calls and emails with XXXX, they refused to remove the mark on my otherwise clean credit history. The mark in question is halfway down page 4 of the attached document. 

The collection practices used ( non-descript emails that said nothing specific about owing money and robo-calling ) were unbecoming of a reasonable institution and a clear example of sloppy over-automation.
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (UT)

I have a BlueBird American Express prepaid card. My direct deposit goes into it. I went to check my balance on XX/XX/XXXX, it would not let me log on. So I hit " forgot password. '' Then they've installed something to where the same message comes up over & over & over saying " due to 10 minutes of inactivity, log in again. '' Then you'll get to same point & again " due to inactivity ... '' Then I called XX/XX/XXXX at XXXX XXXX. & waited on hold for 1 hour & 7 minutes & was told I had to talk to fraud Dept. I asked why? They can't tell me. But fraud was closed so I had to call next day, XX/XX/XXXX. Was on hold for 2 hours & 5 minutes & hung up. Not only did they put my card in fraud Dept. without my knowledge, they refuse to talk to me. I can't log in my acct. & Fraud will not talk. I'm a XXXX XXXX  & I'm not taking my son to  XXXX this weekend like I promised him, because Bluebird has froze my acct & won't tell me anything. This is theft. I need my money from them or at least someone to talk to. I checked online in chat rooms. Thousands of people have same problem with Bluebird.
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I had a credit card for a few years that had a {$75.00} annual fee. This year upon renewal, I called Bank of America to close the account to avoid paying the fee. The Customer Rep that took my call, told me that I can convert the card to a different B of A card in order to avoid paying the {$75.00} renewal fee. I agreed to change the card over and the fee never came off. I called again about one week ago as it has been about 4 weeks and the fee is still showing up on my account. The 2nd rep told me she filed an incident report or something and that my {$75.00} fee was approved to be refunded within 24 hours. It has now been about a week and the fee is still showing up on my account. I called again today XX/XX/XXXX and the supervisor XXXX ID # XXXX told me that the fee will not be refunded unless I close the account.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

With the Care Act, student loans were put into forbearance. My daughter is buying a house and I want to refi my home. Her score dropped by a number of points because her federal student loan was reported in forbearance. ( she has no lates and has paid off her wedding debt in XXXX. This should be corrected immediately. The credit score should not be impacted by this. I pay her loan and I am a co-signer. I can pay for her loan. I was never notified nor asked is I wanted this. I know this is to help the country. I am not against that. But you are helping on one hand and slapping with the other. We need to get this fixed for her asap. She will have to pay a higher rate because her score is affected. She is at XXXX now. Her Mortgage score will be lower, I am sure. Her mortgage score before this was above 720.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Westlake Services, LLC (GA)

I have financed a car through US auto loan in 2021 and am still paying for it. Around XXXX the company closed down and my files/ loan went to westlake portfolio management. Around XXXX is when I noticed my payment history for my car was no longer available in XXXX XXXX, XXXX, or any website or app that allows me to look at my credit score and its history. It dropped my credit score nearly XXXX points!!! And yes, I am still paying my car, as my loan is 5 years long. Please help! 

PS, no credit cards or loans were opened around this time or prior.
Consumer complaint received 2024-10-26
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. (FL)

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2023-10-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: STATE BANK OF INDIA - NEW YORK BRANCH (CA)

I took my cousin ( as I always did and her caregiver to State Bank of XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX. I am the XXXX  of my cousin 's assets. My cousin went because the notice said her CD had matured. The caregiver and I were put in an office with the door closed for confidentiality reasons. NO transactions took place. No money exchanged hands due to the maturity date of the CD was incorrect. The bank reported us ( caregiver and myself ) to the XXXX XXXX XXXX to investigate XXXX XXXX. We no longer have access to the information due to termination.