davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-25
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 (VA)

On XX/XX/2022, XXXX fraudulent charges were made on my credit card adding up to {$1400.00}. I was immediately notified by Bank of America who asked me to confirm the charges were fraudulent and then credited my account with amount that was fraudulent. They correctly identified the charges and said they would open an investigation on the charges. On XX/XX/2022, I received a letter stating that the result of the investigation concluded that XXXX of the XXXX charges ( adding up to {$700.00} ) were not fraudulent because the merchant confirmed that merchandise was shipped to an address listed on my account. This is absolutely not true as we never ordered or received goods from this merchant. Bank of America could not tell me what address the merchandise was shipped to. The only information I can find on the merchant is what is listed on my credit card statement as " XXXX XXXX XXXX XXXX ''. I can find no information of this merchant online and have no way to contact them. I have no idea how Bank of America contacted this merchant or what evidence they have that merchandise was shipped to a specific address. After many phone calls and being placed on hold indefinitely, I finally got through to Bank of America. I stated my case that it was simply not true that I ordered or received any merchandise from this merchant ( that seemingly did not exist ) and they said they would reopen the investigation. It should have been obvious to them based on my account history and the timing coinciding with the other fraudulent charges that these charges were fraudulent. On XX/XX/2022, I received another letter from Bank of America saying that their decision hadn't changed and that the merchant provided documentation confirming I received merchandise. Again, this is simply not true. I have never been able to see any of this documentation from the merchant or Bank of America so it must either not exist or be fraudulent. At this point, I've had to pay the {$700.00} out of pocket to not risk my credit score and interest charges. I've never had any issues with Bank of America in the past, however at this point, I seriously question the integrity and competence of their fraud department. I have not used this card since because I don't trust that they have any useful fraud protection.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridge IT, Inc. (VA)

The following accounts were fraudulently opened under my name : XXXX XXXX XXXX XXXX of {$18000.00} Brigit XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX amount of {$940.00} XXXX XXXX XXXX XXXX XXXX  amount of {$1000.00XXXX XXXX XXXX XXXX XXXX  Balance of {$550.00} In accordance with my rights under federal law, I request the immediate removal of these accounts based on the provisions outlined in the following statutes : 15 U.S. Code 1692c This section addresses communication in connection with debt collection, particularly prohibiting communications regarding debts that have not been legitimately incurred by the consumer.

15 U.S. Code 1602 ( p ) This section defines the terms related to consumer protection, specifying unauthorized transactions.

15 U.S. Code 1601 This provides the basis for consumer credit protection and outlines the need for fair and accurate credit reporting. These laws exist to protect individuals like myself from fraudulent financial activity and to prevent the continued damage caused by unauthorized accounts.

As I am a victim of identity theft, these accounts have been opened fraudulently, and I bear no responsibility for the debts or actions related to these accounts. I have already taken steps to report this identity theft to the appropriate authorities and agencies, including filing a police report and notifying the Federal Trade Commission ( FTC ). Copies of these documents can be provided if necessary.

I kindly request that the CFPB facilitate the removal of these accounts from my credit report and ensure that these creditors and collection agencies cease all attempts to collect on these fraudulent debts. This situation has caused significant financial and emotional distress, and I hope for a swift resolution to restore my credit and peace of mind.

Thank you for your time and assistance in this matter. Please feel free to contact me at [ XXXX ] or [ XXXX ] if you require any additional information or documentation.
Consumer complaint received 2022-06-25
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. (TX)

In accordance with Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit Bureaus stated my account was properly investigated and verified. 
These INQUIRYS are fraudulently on my credit report. 
Please send me verification I authorized these : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX This is ground for removal they violated my rights. 15 U.S.C.1681 section 604 A. 
Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 
Also the Credit Bureaus took more 30 days to complete my investigations.
Consumer complaint received 2022-06-25
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX XXXX account # : XXXX, and XXXX XXXX account XXXX : XXXX have 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 an account without my written instructions.
Consumer complaint received 2023-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (AL)

On XX/XX/2023 I made a purchase {$65.00} using my cash app card on the XXXX jewelry website. I talk to XXXX. XXXX said they received their money on XX/XX/2023 well on XX/XX/XXXX of 2023. I had {$67.00} in my cash app account as XXXX looking at my cash app account it all of a sudden goes from {$67.00} to XXXX dollar so I contact cash app cash app first tries to tell me that the merchant waited almost 30 days to complete the transaction and withdraw the money out of the account, when I told cash app that that was not the case because I had already spoken to the merchant and the merchant had gotten their money on XX/XX/XXXX cash app, then tells me due to a can technical issue that there was more money in my account the one that shouldve been so they took the money out of my account and if you go back and you look at my activities on my account it still saying that the money was deducted out on XX/XX/XXXX they said that was not the case that there was more money in my account this whole time then what I thought. Well, if that was the case during that period of time, I would not have had XXXX dollar charges in my account that were refused because there wasnt any money in my account, if there was more money in there than what I thought, then why was charges denied Ive got transcript and everything that cash app has told me when they first told me that it was the merchant who did not charge my account until the XXXX of XX/XX/2023. Also I have in there proof of what they told me it was it a technical issue that the XXXX had already been paid? Ive also got proof well talk to XXXX and they have received their money and now cash app has taken that money out of my account two different times but theres no record of them taking it out of my account yesterday, except for the correspondence between me and cash app customer service representative, they said also to begin with that they withdrew the money and due to a technical issue they put the money back in my account. Theres no record of them putting the money back in my account and or around the date of XX/XX/XXXX through XX/XX/XXXX and they refused to give me my money back
Consumer complaint received 2022-06-25
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 written instructions Account1 Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$690.00} written off. {$760.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$760.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$500.00} Highest balance {$0.00} Terms 8 Months On record until XX/XX/XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Subject : Dispute of Incorrect Collection Status on My Credit Report Disputed account : JPMCB AUTO FINANCE/ open date : XXXX XXXX, XXXX  Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute an erroneous account status that is currently being reported on my credit report. Specifically, I am disputing the status of my auto loan account, which was held with Chase Bank, as it is inaccurately listed as being in collection with a balance of {$0.00}. I believe this information is not only incorrect but also damaging my credit profile, and I kindly request your assistance in rectifying this issue. 

The details of the situation are as follows : In XX/XX/, I was involved in a significant accident resulting in a total loss of my vehicle, which had been financed through Chase Bank. Despite the loss, I continued to make my monthly payments on the auto loan to ensure that my payment history remained unblemished. 

I maintained these monthly payments through XXXX, XXXX, XXXX, and XXXX, even though I no longer possessed the vehicle. My intention was to prevent any late payment notations on my credit report, demonstrating my commitment to fulfilling my financial obligations. 

In XXXX, my insurance company, XXXX, officially confirmed that they had settled the outstanding balance of the auto loan. As a result, I ceased making monthly payments to Chase Bank. 

In XXXX, I received a refund from Chase Bank for the payments I had made beyond the date when the insurance company had covered the balance. This refund confirmed that my financial obligations were indeed met, and there was no remaining debt. 

It has come to my attention that despite the timely and responsible nature of my payments, my credit report indicates that this account is in collection with a {$0.00} balance. This inaccurate representation is severely affecting my credit score and overall creditworthiness. 

I kindly request that you promptly investigate and rectify this situation. The account should reflect its accurate status as a closed auto loan with a XXXX balance, as it is not, and has never been, a collection account. I believe that this correction is essential in restoring the integrity of my credit report and ensuring that my credit score accurately reflects my responsible financial behavior. 

I have attached supporting documentation, including proof of the insurance settlement and the refund received from Chase Bank, to substantiate my dispute. Please review this evidence carefully and update my credit report accordingly. 

Thank you for your prompt attention to this issue, and I look forward to a favorable resolution.
Consumer complaint received 2022-06-25
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. (LA)

In accordance with the Fair Credit Reporting ACT XXXX, XXXX Account 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 an account without my written instructions.
Consumer complaint received 2022-06-25
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. (CA)

in accordance with the Fair Credit Reporting act XXXX  Account XXXX  # XXXX, Account XXXX XXXX # XXXX, Account XXXXXXXX XXXX XXXXXXXX # XXXX Account US DEPT OF EDUCATION # 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 written instructions
Consumer complaint received 2022-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Payment due date of XX/XX/XXXX -- I log in on XX/XX/XXXX to pay, but bank says it is past XXXX and my payment will be recorded the next day XX/XX/XXXX and in the process assessed me a late fee of XXXX dollars. 
-- I called the bank to verify that this is allowed, that a payment made on my due date can be late even though I paid on my due date, the agent says yes, and there is nothing that can be done about it. 
-- I want to verify from the CFPB, is this true, can I really be charged a late fee even though I paid before XXXXXXXX XXXX in my time zone on the payment due date? 
-- This has never been an issue with any of my other credit cards. I thought it was a due date, not due time. 
-- If this is allowed, I have already paid what I owe and will close all accounts with this company, but if this is not allowed, then the practice should be made to stop and my XXXX dollar fee refunded. 
-- Please see the time stamp on the screen shot I took after my payment on XX/XX/2022 -- Thank you -- late fee on due date
Consumer complaint received 2022-06-25
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX : amount of {$4400.00} XXXX. XXXX XXXX XXXX {$160.00} XXXX. XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX. XXXX XXXX XXXXXXXX XXXX {$370.00} XXXX. XXXX XXXX XXXX {$110.00} 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 an account without my written instructions.
Consumer complaint received 2022-06-25
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. (FL)

By the fair credit reporting act : XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX, acc # XXXX, XXXX XXXX acct # XXXX XXXX Acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1681 Section 602A states I have the to privacy 15 USC 1681 section 604A section z : it also states a consumer reporting agency can not furnish consumer report account information without my express permission written otherwise it is a violation of my consumer rights.
Consumer complaint received 2022-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (PA)

On XX/XX/XXXX I received a notice of change for my student loan service provider from XXXX to Aidvantage now this happens to come right before XXXX lost the lawsuit against them. I have contacted Aidvantage to receive my account number as well as any other documents needed to see if I qualify for student loan cancelations and that information was never given or sent to me I am still currently waiting. When I attended school in XXXX of XXXX XXXX was still named XXXX XXXX not University as it is now. I was coerced into agreeing with whatever terms were stated at that time due to my age at that time XXXX and not knowing what I was getting myself into. Now fast forward to XXXX  and understanding all that is happening makes me believe I was deceived by my school and student loan lender. Now Aidvantage is simply wanting me to resume my payments but the information I have kept requesting about my account and summary is being denied or ignored.
Consumer complaint received 2022-06-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (IL)

There was no accurate button to press. I paid off this debt collection from XXXX, original creditor- Debt collector Enhanced Recovery Collections. I was advised when I paid in full that it would be removed entirely from my credit report once they received the check. It has not since been removed from my credit report.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681i section 602 A states any information disputed by a consumer, an item of the information is found to be inaccurate the consumer reporting agency shall ( i ) promptly delete that item. 

Equifax has XXXX XXXX  as the 'Original Creditor '. The original creditor is XXXX. See attached proof from the original creditor.
Consumer complaint received 2022-06-25
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. (GA)

ON XXXX XXXX 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

According to 15 U.S.C 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2022-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE (AZ)

I have created an account with Charles Schwab. The account included a brokerage sub-account and a high yield checking account. Both were funded by XXXX of XXXX. The account was then locked, requiring verification. I have contacted Charles Schwab on several occasions. Most recently on XX/XX/24 through phone. I have visited a local branch for Charles Schwab in XXXX, Arizona. They did not unlock the account. I have requested that the account be closed, and this was not allowed. The account will not be closed, and funds were not returned to the account which funded these two.

I made two payments of XXXX. One for a brokerage, and another for a high yield checking account.
Consumer complaint received 2022-06-25
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. (VA)

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX XXXX & XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX XXXX & XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # XXXX Equifax XXXX Acct # xxxxxxxxxxxx XXXX XXXX Acct XXXX xxxxxxxxxxxx XXXX XXXX XXXX  Acct # xxxxx XXXX XXXX XXXX Acct # xxxxx XXXX XXXX XXXX XXXX  Acct # XXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 AStates I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also saves a consumer reporting agency and not furnish an account without written instructions.
Consumer complaint received 2022-06-25
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. (MD)

I am having issues with inaccurate information appearing on my credit report. please delete the following addresses below that are not mine : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MD XXXX The following numbers do not belong to me please delete the they are not accurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX