davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions Bank incorrectly reported a 30 day late payment on my credit card. I went to a regions branch and the bank manager opened an investigation. I then received a letter from regions that the information was reported in error and they would update the information with XXXX, XXXX and XXXX. They never did.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please see attached documentation. 

My complaint is for XXXX XXXX XXXX XXXX and all 3 Credit Agencies. I have been trying to resolve a known issue with incorrect " Past Due/Payment History '' that XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. XXXX XXXX agreed that the Past Due/Payment History is wrong, and that they would correct it. 

Since XX/XX/2020, I have documented repeated attempts to get my credit history corrected. It is XX/XX/2020, and still do not have my Credit Reports corrected. 

BEWARE of XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (CA)

Someone used my identity and applied for American Express and XXXX credit cards, The one used my identity keep paying monthly payments and all of a sudden he didn't pay at all. Creditors have been writing letter to me to pay but i didn't pay because this is not my credit cards. I called credit bureaus and reported what happen and file a dispute of these charge offs on my credit report. If AMEX and XXXX can not provide a signature from me during application of these credit cards i need this to be deleted ASAP!
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. (NC)

In accordance with the FAIR CREDIT REPORTING ACT, these accounts entered have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), 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 ; 15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (GA)

My name is XXXX XXXX. I made a purchase on XXXX with a company called XXXX using my cash app debit card. Unfortunately I had to cancel my order and request a refund. My cash app account statement shows the refund was completed and the merchant also says the refund has been completed but yet CASH APP customer service continues to claim the refund hasnt been processed. Every time I provided them with proof they are lying they stop responding and disconnect me from the chat. They first tried to tell me the refund was cancelled by the merchant and I needed to contact them. After I refused out to and talked to the merchant they confirmed they did NOT cancel nor it wasnt even possible to do so. The merchant also confirmed that his account showed the refund as being completed. Everytime I try to get an answer and provide evidence that Im being lied to they stop responding and disconnect from the chat.
Consumer complaint received 2022-06-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

According to 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report these accounts are in violation any credit transaction supposed to be excluded from a consumer credit report if a social security was used in the transaction. I never gave you anything in written consent to report anything on my consumer reports, no consent is fraud. Misleading False reporting and inaccurately reporting means you are failing to comply to 15 USC 1681. I demand these accounts be deleted immediately!
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

1. I've contacted The credit reporting agencies, and my banks multiple times about inaccurate information on my report. I've sent debt validation demand letters, and They refuse to provide me proof of two accounts that aren't mine. 
A. XXXX XXXX XXXX the debt is owed by a business, and not mine. 
B. XXXX XXXX XXXX ... it was opened in XXXX XXXX where I've never been.. Used/maxed in XXXX XXXX which I've never been to. I disputed it for years ... No validation of debt ever given. So I gave in and paid it... it still reports as a charge off 5yrs later!!!! 

2. XXXX and XXXX XXXX XXXX XXXX had me in a COVID payment arrangement on my car and credit cards and still reported me 30 days late. I contacted the banks first who both XXXX from XX/XX/XXXX and XXXX XXXX from XX/XX/XXXX directed me to dispute the late pays thru the credit agency 's... I disputed these with the credit agencies multiple times l. Everytime they come back with the late payment validated. I've spent hours on the phone with XXXX, XXXX XXXX and the credit bureau 's. Nothing has been fixed. I emailed 8 corporate officers with XXXXXXXX XXXX and not one responded... These late pays and wrongful reporting have prevented me from refinancing my home, and my rental property which has a balloon coming due ... .i lost my home because I couldn't refinance in XX/XX/XXXX. 

3. I was a victim of Equifax data breach and I have over 60 credit inquiries on all 3 bureau 's, I've NEVER made ... Thankfully my score was so thrown off from the inaccurate reporting the scammers couldn't do anything but apply and get denied. I've disputed these multiple times since the data breach without any results. 

I'm now on the verge of losing my rental property/only income to feed my kids with ... due to the inaccurate reporting. 

I demand immediate proper validation of EVERY single item open or closed your reporting on my credit.. And each item you can not provide proof for will be deleted immediately until you can provide proper validation. 

FCRA 15 usc 1681i 602A states I have the right to privacy.

FCRA 15 usc 1681i 602A section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

Fines associated with these violations could be {$1000.00} per violation. 

This is my final demand before beginning litigation.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had fraudulent charges on my credit card account back in XX/XX/2017. I reported it as fraud. It shows fraudulent on the bank statement, but the issue apparently wasnt resolved like I was lead to believe. Due to this still being on my account the bank which is Bank of America reported this account to the credit bureaus as a charge off. Ive contacted the bank regarding this as well as the credit bureaus. One of the credit bureaus fixed it in their system but experian is stating that Bank of America is telling them not to remove the wrong information. When I try to contact Bank of America regarding this I cant reach anyone about it instead Im transferred for 2 to 3 hours back and forth having to explain the whole situation every time to the different departments. This has happen multiple times. They refuse to make this right and keep giving me the run around.
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (FL)

on XX/XX/2020 a little after XXXX XXXX  I got my XXXX payment deposited on my Direct Express card so I went online to pay my XXXX XXXX XXXX which is {$310.00} but when I tried to pay it declined. The major problem I am having is that it is pending longer than 5 days now. I contacted the electric company and they said they do not even see a pending payment on their end even though Direct Express is telling me that its XXXX that needs to accept payment but the electric company says its Direct Express that needs to send the payment. I contacted Direct Express and was on hold over an hour and they seem to be a big joke because they acted like they couldnt hear me which I think is a lie because they heard me when I said I was going to record them and they said I couldnt even though they were recording me. I researched and found out almost everyone across the country is or was having issues with Direct Express. they are not resolving or even trying to resolve my issue. My {$310.00} is literally being with held from me and I am unable to pay my electric and this is my only income being on XXXX so because of Direct Express my electric will be shut off. please help me.They are not putting my {$310.00} back on my card. It is in some kind of limbo and they are keeping my money
Consumer complaint received 2022-08-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX Nc XXXX XXXX XXXX XXXX Companies Names XXXX XXXX Equifax Amount of debt : XXXX Date of Service : XX/XX/2019 Provider of Service : XXXX XXXX XXXX Dear XXXX agent, I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-12-08
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. (DE)

XXXX and Transunion are actively reporting incorrect information. Both credit reporting bureaus are reporting that I was late on my XXXX payment for XXXX XXXX account # XXXX. The payment was due XX/XX/2021, And according to XXXX XXXX, they received payment on XX/XX/2021. I written and notified both bureaus multiple times. Transunion fixed the discrepancy and the again posted incorrect information the following week without notice. XXXX is complete refusing to investigate and said that as long Credit acceptance verify incorrect information, they will report incorrect information as such. 

XXXX XXXX XXXX acknowledges incorrect information their reporting and continue to verify incorrect late payment. They confirm that they received legitimate dispute for late payment and continue to report i was late. 

According to FRCA federal law, a account can NOT be reported as late until it is 6 days past due. 

I was only 6 days past due according to XXXX XXXX XXXX. Billing statement.
Consumer complaint received 2022-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/XXXX, I was attempting to put XXXX dollars in cash into my Chase checking account, and being that I had already walked 5 miles in a new city, I settled to deposit my money using the nearest atm that would accept my card I was well aware they would charge me a fee for depositing the same way if I were to withdrawal the bank I went to was XXXX bank to deposit the funds. After I deposited the cash I was told my the atm screen my deposit was complete. But it did not give me a atm slip as I requested when I put my card in. I checked my account immediately before leaving the atm and the funds weren't there. I put my card back into the atm and I would not accept my card after that it. It kept saying card not accepted. And then it gave me a atm slip saying the same thing. I went inside XXXX bank to discuss what happened with them to see if they could explain the process of what just happened, I was told that all I would have to do is wait 24 hrs and the extra money would be sent to chase after its counted.After that interaction I was able to get a ride thankfully to a chase bank. I was given the customer service number to call because they claim they didn't see any transactions done. I called the line the same day they opened an investigation I gave them all information they requested in that moment I was given a XXXX dollar credit temporarily. Less than 2 weeks later I received a letter the same day the money was taken back from my account. According to chase its my fault I put my money in another atm even though their policy says you'll just be charged a fee. I have a atm fee on my account for using the atm but no money has been deposited yet. Chase has blamed me and told me this is the first time this has ever happened and continues to be rude and disrespectful even though I told them I walked 5 miles and had no GPS and im new to the city. I kept being told I should have just went to chase instead of them trying to help me I was lied to by a representative saying they would re-open the case and returned the XXXX dollars which they have recorded but they never did and the supervisor I spoke to kept lying and never addressing that fact.
Consumer complaint received 2023-01-30
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. (GA)

XXXX accordance with the Fair Credit Reporting act 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 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 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The current balance on my student loans is reporting incorrectly as well as the Debt-to-Credit ratio is currently reported inaccurately. I wrote a letter to the Department of Education and XXXX XXXX, my loan servicer to update the record but it has not happened.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

I have tried calling multiple times. I get put on hold, then told that account is closed which is something I know because citi closed my account without an prior warning. The rep then hangs up the phone on me. This has happened to me with 5-6 different reps
Consumer complaint received 2022-12-14
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. (LA)

I am exercising my consumer right under 15 USC 1681c-2 Block of information resulting from Identity Theft. The below accounts were due to identity theft and I'm requesting to have the items removed and blocked from my consumer report within 4 days. 
Identity Theft Report # : XXXX
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Student loans on my credit reports for Experian, XXXX, & XXXX showing at= late or negative mark on XX/XX/XXXX. I rehabilitated the loans in XX/XX/XXXX. No negative marks should be showing after rehabilitation of the loans.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I looked over my report and saw inquiries on my credit report that I did not give consent to be on my report. XXXX  is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
XXXX  doesn't have a court order with jurisdiction or consent from the CONSUMER to place anything on my Credit report. 
I sent a dispute letter certified mail next day and XXXX  still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.