davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-09
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. (LA)

The following Credit Bureaus are in violation of the FCRA Act 601 ( a ) ( 1 ), & ( 611 ), 623 ( a ) ( 5 ), Also FCRA Compliance Date Act. Experian, XXXX, XXXX. along with Collections Agency, ( XXXX XXXX XXXX, response to CPFB response XXXX reference number XXXX ). 
All attached evidence of Violations and inaccurate reporting on this account is provided on the account in question. ( See Attached ) XXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

A response was received by CFPB by XXXX XXXX XXXX in reference to XXXX XXXX XXXX, which clearly stated in the response the " Date of First Delinquency '' for this Account XXXX, is XXXX XXXX? ( see attached ) XXXX is reporting on my credit file the " Date of First Delinquency '' for this same Account is in question XXXX XXXX XXXX XXXX XXXX? ( see attached credit file ) XXXX is NOT reporting any Required according to FCRA Compliance Date, '' Date of First Delinquency '' on my credit file which is required for reporting? ( see attached ). 

Experian is NOT reporting on my credit file the " Date of First Delinquency '' for this account as required by FCRA Compliance Date ACT. ( see attached credit file ) The FCRA Compliance Act not only Requires the " First Date of Delinquency '' to be reported on the credit file, but also Required the reporting " Original First Date of Delinquency '' to be the same and can not be changed in all reporting agencies, It is illegal to re-age the account date which is a serious committed violation. 

Also, XXXX XXXX XXXX, on behalf of XXXX XXXX has NOT provided the required information, which was requested to validate the account. Submitted Monthly statements, and the agreement contract, does not substitute the requested documentation agreement that bears the " SIGNATURE of the alleged debtor wherein he/she agreed to pay the creditor.This information has not been received, and is vital since a serious violations of the original first date of delinquency differs in the credit reporting bureaus on account in question. 

Experian is reporting on my credit file in reference to the same account XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX, A Balance of {$930.00}, A Status of serious past due, assigned to attorney collection internal agency, BUT REPORTING ACCOUNT IS PAID OFF on credit file ( see attached ) with no original date of delinquency reported on account this is a requirement according to FCRA Laws.
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 — Public record information inaccurate
Company: LEXISNEXIS (NV)

I disputed these public records and they refused to remove the public records, they advised they verified the information, I Sent a letter to the XXXX XXXX of Michigan courthouse and I asked if they report bankruptcies To the credit bureaus, they said they do not report to anyone how did they verify this was accurate. According to section 602 states that I have a right to privacy 15 UCC 1681 604 a section 2. They never did a fair investigation according to US C 15 181 section 603E which states the term investigated consumer report or portion thereof are obtained through personal interview
Consumer complaint received 2022-06-21
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts need to be deleted from my credit profile.
Consumer complaint received 2022-12-14
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. (LA)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-21
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: BARCLAYS BANK DELAWARE (VT)

Back in XXXX a charge was placed on my Barclay 's forward XXXX for {$650.00} from Home Depot.Com this is a unknown charge I have not authorized, nor have I given any such individuals use of my credit card. 
Upon receiving my billing statement I immediately called Barclay 's customer service number to notify them of this fraudulent charge and immediately cancel my account, and then open up a new account with a different card number.

I was assured by Barclay 's customer service I was protected from fraud on my card with their Zero liability on unauthorized, unknown charges to the cardholder.A conditional credit was issued for that amount mentioned above, until it became Final and closed by Barclay's.This letter was dated XXXX XXXX stating, After conducting our investigation you are not responsible for the fraudulent activity on your account.Then received a letter from Barclay 's dated XXXX XXXX that is was reversed and the charges will be billed back to XXXX appealed their decision in writing, then appealed their denial once again, have sent numerous letters to XXXX 's even XXXX a letter to the office of the President of the company as well. 
XXXX XXXX XXXX XXXX XXXX # XXXX, response received a few days ago, after two attempts, NO response from Barclay's.Also did a dispute via telephone with XXXX Conf # XXXX XXXX XXXXAlso placed fraud alert with XXXX as well as a online dispute with XXXX with the help of XXXX XXXX.com they noted the dispute meets FCRA only listed on XXXX XXXX side of credit report.XXXX  is now reporting me past due on this fraudulent charges that Barclay 's has reported.It seems that somebody hacked into my phone with and somehow got this account number. 
I also submitted a complaint to XXXX at The Federal Trade Commission on XX/XX/2022 Complaint # XXXX. 
Please assist me my Credit score is over XXXX and this Company refuses to comply with their policies and Federal consumer protection laws.I can furnish what ever you need from me upon request, I would gladly forward them via email.Please I have endured some much stress from a fraudulent purchase done by a cyber hacker. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, Vermont XXXX Home Phone- ( XXXX ) XXXX Voice mail only-NO Texts
Consumer complaint received 2022-07-18
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: CITIBANK, N.A. (CA)

On XX/XX/2022, there were three unauthorized charges posted to my Citi credit card. 

Each charge was for {$580.00}, for purchases at XXXX XXXX. I did not make these purchases nor authorize anyone else to do so. I contacted Citi and they sent out a new credit card. In a follow-up conversation with their " security '' department, I verbally confirmed that I did not make those purchases nor authorize anyone else to do. 

Citi removed the charges. They then investigated and contacted XXXX XXXX. XXXX XXXX provided information that showed that flights were purchased and used, and in their words, this was not fraud. The passenger on this flight used my credit card, and my street address but their name is not familiar to me. 

Around XX/XX/XXXX, based on the information from XXXX XXXX, Citi again asked me to confirm that " Neither I, nor anyone authorized by me, made this charge or received any benefit. '' I confirmed this, for all three charges. 

Around XX/XX/XXXX, Citi sent me a letter indicating that " the merchant provided documentation confirming that you participated in the transaction '' ( this is not true! ) and that they " found you are responsible for the transaction. '' and " we now consider this investigation closed. '' So despite my repeated declarations that I did not authorize or receive any goods or services from this transaction, the fact that XXXX XXXX has proof that *someone* took a flight from this purchase seems sufficient to override my statements. 

This is ridiculous- if someone steals a credit card and then uses it to purchase goods, how is the fact that goods were purchased proof of anything? Of COURSE someone bought flight tickets and then made use of them - that's the point of stealing something! That someone benefited from the theft doesn't not magically prove the theft didn't happen. And why does Citi not accept the word of their customer, me? I followed their process and they simply override my factual statements? As your site says " If you have not lost the card itself, but someone steals and uses your account number, you generally have no liability for unauthorized use. '' Note that there are three separate transactions, all on the same date and for the same amount. My documentation will provide a sample but not all three of them!
Consumer complaint received 2022-06-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2022-06-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2021 - I paid off the outstanding lease for a car. 
XX/XX/2021 - attempted to get a Title from XXXX XXXX to give to XXXX XXXX ( I borrowed money from this bank to pay off the lease ). Informed that title was still in name of Chase Bank. 
XX/XX/2021 - current day- have engaged in multiple inquiries with Chase Bank to get a XXXX. Initially employees did not want to help because my account was closed, but I persisted. The bank employees ( call center employees ) have given multiple excuses but nothing is being accomplished. I have requested the name, and address information of the department head to escalate this issue. Bank employees refuse to provide this information. 

In the meanwhile, XXXX XXXX is going to default on my loan because I do not have this information. 

I have a concern about how slow Chase bank is moving to resolve this issue. How difficult is it to get a Title/duplicate Title? This is Chase bank policy and procedure : To obtain a lien release, you can contact us through the Secure Message Center or by mail : Chase Auto XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX You can also call Customer Service at XXXX ; We accept operator relay calls. If youre deaf, hard of hearing, or have a speech XXXX, call XXXX for assistance. 
All requests should include the following information : your full name your loan account number, if available vehicle year, make and model Vehicle Identification Number ( VIN ) address where youd like us to send the lien release As per its policy...
Consumer complaint received 2023-03-03
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 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 or 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 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Please remove the extended fraud alert from my credit file. 
My current address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. Please ensure the only contact number on file is XXXX XXXX XXXX
Consumer complaint received 2022-06-21
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: CITIBANK, N.A. (FL)

As of today XX/XX/2022 I checked my consumer credit report and see that XXXX XXXX XXXX reported to my consumer credit report on XXXX XXXX without my consent.I, XXXX XXXX, as a consumer I have a right to privacy if you are disclosing ( XXXX ) Nonpublic Personal Information to nonaffiliated third parties, and that disclosure does not fall within any exception required by the Fair Credit Reporting Act.The Gramm-Leach-Bliley Act 's notice and opt out provisions are in addition to the obligations imposed by the Fair Credit Reporting Act ( FCRA ) .If the FCRA currently requires that you make clear and conspicuous disclosures to your consumers regarding your sharing of certain information ( such as consumer report and application information ) with your affiliates, you must continue to do so.The GLB Act requires these disclosures to be made as part of any privacy policy you give to your consumers.The Federal Trade Commission ( FTC XXXX , the federal banking agencies, other federal regulatory authorities, and state insurance authorities enforce the GLB Act.Each agency has issued substantially similar rules implementing GLB 's privacy provisions.The FTC has jurisdiction over any financial institution or other person not regulated by other government agencies.The FTC XXXX bring enforcement actions for violations of the privacy rule.The FTC can bring actions to enforce the privacy rule in federal district court, where it may seek the full scope of injunctive and ancillary equitable relief.The FTC Act also has authority to examine privacy policies and practices for deception and unfairness.
Consumer complaint received 2020-12-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NJ)

In the beginning XX/XX/2020 I received a notification on my credit report of a collections debt from IC System. I didn't know what the debt was about because I did not receive any mail pertaining to this. I called and was told it was from XXXX  bill owed. I have never had a XXXX  account and know nothing of this debt. I proceeded to write a letter on XX/XX/XXXX and sent via certified mail to ask them to verify the debt and explained to them I do not have an account number because I was never given a letter. They wrote me back saying they needed an account number to verify the debt and that the account number can be found on their website. I was able to obtain the account number and sent another letter on XX/XX/XXXX with their letter and my original letter as requested by them via certified mail and again asked them to verify the debt within 30 days and if not to delete this off my credit. They received the letter on XX/XX/XXXX and to date I have not received a verification of the debt and it has not been removed from my credit report.
Consumer complaint received 2022-08-21
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. (SC)

On several occasions i have contacted equifax about that i am paying for their service and am unable to view my credit Score on the app or on line and each time i call I have been on the phone for well over an hour ( closer to 2 hours ) wich has not ended in a resalution any of the times .The only responce i recieve is that they will escalate my claim and in 6 to 7 days i will hear from a member of that team, well going on a month now and no responce, and it seems weather im calling about the inability to use the app that im paying for i get really disgruntled, so much so a woman by the name of XXXX told me that she was as large of a supervisor that their was and there lwasnt any one higher than her not believing but with no other recourse i concided When I filed the FTC police report i never recieved notification of them recieving it ( nor did the other 2 bureau ) I had to call to and ask to find out if it had been recieved.and to futher aggrivate with equifax and the other 2 bureau ( XXXX and XXXX XXXX all 3 refused to honor the FCRA rights i am granted by the FCRA where 605 ( b ) states upon reciept of the police report the credit reporting agency SHALL block the files in question until the investigation is complete I have repeditivly asked and been told NOeven after expressing to them that i wouold file a complaint with the FTC and the CFPB and were told verbattem '' so what '' It is in my opinion that someone at equifax is intentionally causing negitives to happen the same files from the same companies have been being disputed at the same time and equifax is the only bureau to move my score down by nearly 100 pts in a day, with only so much as a comment being changed on my report i would understand if new collections were being added or delinquint accounts but there is XXXX  the only thing at all that changes is a discription or words no removal or addition to accounts, and i have been hung uop on when asking about this or to speak to managment about it the amount of damage this does when attempting to aquire new personal or business credit is insane it constantly has me adding new inquires to my account for nothing how can they just get away with this.I am incloseing pictues othe fluctuation of their score singly and in refrance to the other bureaus and the entire time all of the bureaus have been working on all of the exact safe files .but they are the only bureau to do this to me, along with a screenshot of the app where i have not been able to view my credit score for almost a month but i pay for it ******picture of fico scores just know my equifax score was XXXX the day XXXX and no more negitive accounts were added
Consumer complaint received 2022-06-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022 I was in an accident with my vehicle my insurance company deemed it a total loss. I paid my car note to Wells Fargo auto loan for XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX the insurance company received the full amount for the car to be paid off. I also received money from Wells Fargo auto loan for overpayment after they received the checked from my insurance company. Yesterday I woke up to many alerts stating that I didnt fulfill my auto account and Im 60 days past due. Im in the process of moving this has dropped my credit score tremendously. This was an error on their end.
Consumer complaint received 2022-06-21
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. (TX)

So I have been in dispute with XXXX Equifax and XXXX about these erroneous accounts they have allowed to report on my credit report with out my knowledge and permission. so after months being ignored I did my own research and I found that the according to the Fair Credit Reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX of TX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX : XXXX of texas XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX an # XXXX XX/XX/XXXX now the following are the laws that were violated as stated in the Fair Credit Reporting Act. 

15 U.S.C 1681 section 602 A : I as the consumer have a right to privacy 15 U.S.C 1681 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions to do so. ( I did not give written instruction to do so ) 15 U.S.C 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the the following items of information : Any other Adverse item of information, other than records of convictions 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.