davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
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. (FL)

I am writing to express my dissatisfaction with the results of the reinvestigation of my dispute that I submitted to XXXX/Equifax/XXXX  XXXX XXXX XX/XX/2023, through the CFPB portal. [ Account XXXX. All is being investigated by the FTC ]. Despite my efforts to bring to your attention the inaccurate information appearing on my credit report, including the XXXX XXXX account that I have disputed, I was disappointed to learn that the only action taken was to update my address and add a telephone number. 

As I mentioned in my previous correspondence, this collection is not related to any transaction that I made, and I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. Furthermore, I believe that the inclusion of this inaccurate information on my credit report is a violation of the following codes : [ 15 US C 1681 section 604 A Section 2 ], [ 15 USC 1681 Section 602 ], and [ 15 US code 5 1681b ]. 

These violations have caused undue stress and financial strain on my life, and I demand that they be rectified immediately. The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. Therefore, I am requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report, with the XXXX XXXX account completely removed from it. 

In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter. Please be advised that I am willing to take all necessary legal steps to rectify this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if necessary. 

Reporting of inaccurate information is a serious matter, and I urge you to take swift action to rectify this issue. I believe that the following CFPB codes may be relevant in this matter and I request that you consider them when reviewing my dispute : Bulletin 2013-1, Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1681s-2 ( a ) of the FCRA, and Section 1681b of the FCRA. 

Thank you for your attention to this matter. I look forward to receiving a prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

I made a payment on my credit card on XXXX. Approximately, 3 minutes later I attempted to make an additional payment on this same account as I realized the auto payment would not draft as the manual payment exceeded the auto payment. As a result additional payment would be required in order to avoid interest. Well, when i attempted to make the second payment I received a pop up message indicating I have reached my daily limit to make additional online payments to the same account. In order to process another payment I will need to call their XXXX # or I have to make payment from a Wells Fargo account. 

This bank has very suspicious processes around payments, including when making partial payments between statements.
Consumer complaint received 2023-07-01
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. (NY)

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. 

Account name : # 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 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 2023-07-01
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. (NY)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (FL)

Hello after recently reviewing my credit profile, I realize there are some inadequacies on my report. I contacted the bureaus to make them aware of unknown inquires. These inquiries were made without my consent, knowledge, or authorization. I sent out a number of letters on XX/XX/XXXX and again on XX/XX/XXXX. I have tried on a number of occasions to rectify the matter at hand with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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  There is also a company on my report that I do not recognize, do business with, or give consent to to acquire my personal information. This is a direct result of fraud since theyve acquired my information for their own financial gains. I have disputed this account and made them aware they are indulging in fraud knowingly violating my consumer rights : XXXX XXXX XXXX XXXX Its ridiculous how easy it is for these companies to take advantage of me and make me a victim of their fraudulent and unethical practices.
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

15 USC 1681 Section 602 States I have the right 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.and these bureaus has violated this law buy allow unauthorized inquiries to be listed on my credit report I have never authorized any of the listed hard inquiries that are attached to the images below I contact TransUnion and XXXX to get this response numerous times and no one wanted to assist TransUnion they are unable to get me an online account to dispute the inaccuracies XXXX will not proplerly complete an investigation I have asked for my original written consent to obtain my credit report
Consumer complaint received 2023-06-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

Freedom Mortgage Corporation changed the physical address for my property ( without my consent ) to an invalid address. This is now the third time Freedom Mortgage has erroneously changed our home address. This problem occurred in XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX. The CORRECT address ( mailing and legal / physical ) is XXXX XXXX XXXX, XXXX XXXX CO XXXX. Freedom Mortgage has been provided a letter from the XXXX XXXX CO address manager confirming the correct address and still refuses to take permanent corrective action ( s ). Most recently I've spoken with " XXXX '' ( employee XXXX ) at XXXX who confirmed Freedom Mortgage has the address validation letter from our County. I want Freedom Mortgage to ( 1 ) FIX this problem and ( 2 ) explain to me what steps are being taken to ensure this will not happen again.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-03-30
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

I've now filed with you the CFPB ABOUT THIS SITUATION MORE THAN SEVERAL TIMES TO NO AVAIL! IT APPEARS THAT THE CFPB IS COMPLICIT WITH THE FACT THAT JPMORGAN CHASE HAS INFACT STOLEN MY ENTIRE SAVINGS ACCOUNT! 

*** ON XXXX XXXX I AWOKE TO EMAILS STATING MY BANK ACCOUNT AT XXXX XXXX  ( OWNED BY JPMORGAN CHASE BANK ) WAS BEING CLOSED! NO REASONS WERE GIVEN OR FOUND TO BE OF ANY FAULT OF MY OWN IN REGARDS TO SAID CLOSURE! I HAVE SCREENSHOTS OF MY BALANCES AND IN ONE DAY IT WENT FTOM OVER XXXX XXXX DOWN TO XXXX XXXX THEN TOO XXXX! I ONLY RECEIVED A CHECK FOR A LITTLE OVER {$800.00} AND JPMORGAN ACTUALLY BLOCKED ME FROM CASHING IT OR DEPOSITING IT INTO MY XXXX BANK ACCOUNT! I HAD TO CALL AND YELL AT THEM AS THEY WERENT MY BANK THAT I KNEW OF AS I HAD MY ACCOUNTS AT XXXX XXXX! UNBEKNOWNST TOO ME JPMORGAN CHASE OWNS XXXX XXXX  WHICH IS WHY THE FINAL CHECK ( THEY STATED IT WAS THE FINAL CHECK ) WAS DRAWN BY JPMORGAN CHASE. IVE REPEATEDLY ASKED THEM WHERE MY SAVINGS IS, THEYVE REPEATEDLY LIED AS THEY DID ABOUT THE FRAUD ON MY ACCOUNT! THEY KEPT TELLING ME ALL LAST SUMMER THAT THEY COULDNT SEE THE MESSAGES THAT THE COMPUTER WAS SENDING ME IN THE APP ON MY PHONE,? MAKES NO SENSE BECAUSE THOSE MSGS LISTED TRANSACTIONS AND SHOWED THE BALANCES AFTER SAID TRANSACTIONS! HOW CAN ANY BANK STATE THAT THEY DONT SEE THE MONEY? THEN HOW ARE THEY A BANK!??? THEYRE LIARS! THEY CLOSED THE ACCOUNTS BECAUSE AS THEY ALSO STATED TO ME : " IF THIS ACCOUNT GETS CLOSED, WE DONT HAVE TO REPAY YOU FOR ANY FRAUD OR THEFT ON OR IN YOUR ACCOUNTS!!! THEN LAUGHED AND HUNG UP, THEN BLOCKED MY NUMBER SO I COULDNT CALL THEM! THE MONEY THEY STOLE WAS FOT MY FIRST HOME! ID LIKE IT BACK WITH INTEREST AND FEES FOR THE THEFT OF IT IN THE FIRST PLACE! THANK YOU! *** SO WE'RE CLEAR HERE AND THERES NO MORE PROBLENS*** I WANT CHARGES BROUGHT AGAINST JPMORGAN CHASE BANK ! *** THEYRE THE ONES WHO ISSUED THE CHECK FOR THE CLOSURE OF ACCOUNTS SO THEYRE RESPONSIBLE FOR IT!!!! ....
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (DE)

Made a purchase on a visa gift card of {$250.00} on XX/XX/2023 and paid XXXX cash, took merchandise back because it didnt work. They in turn put the whole amount on the card of {$280.00} of which the card will not work. I have call the number on the back of the Visa card about 10 times and every time I call there is a different issue.They will not return my monies. Can we get this resolved?
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (OH)

XXXX uses KeyBank for business banking. XXXX has multiple services through them including positive pay -- which gives the company ability to upload checks so vendor name and amounts can be checked before cleared to prevent fraud. 

XX/XX/XXXX dropped off a batch of checks to vendors at the US Postal office located in XXXX, Ohio. The batch of checks were stolen and two were altered. The alteration included changing the physical check and vendor that it was issued to. 
XX/XX/XXXX two checks cleared bank with the altered information totaling {$44000.00}. 
XX/XX/XXXX Vendor check was issued to called and inquired about where payment was? This cued XXXX that checks were altered. 
XX/XX/XXXX Police report made XX/XX/XXXX XXXX affidavits were submitted to KeyBank to report the fraud loss to XXXX XXXX and XXXX XXXX with KeyBank. The affidavits included copies of the original checks and the copies of the fraudulent checks. 
XX/XX/XXXX, XXXX followed up to request update. At that time, XXXX was informed that there was no record of a fraudulent claim for these checks. XXXX was then promised by XXXX XXXX that a case would be opened to start investigation. 
XX/XX/XXXX emailed XXXX XXXX for update with no response. 
XX/XX/XXXX emailed XXXX XXXX for update with no response. 
XX/XX/XXXX emailed XXXX XXXX for update with no response. 
XX/XX/XXXX emailed XXXX XXXX for update with no response. 
XX/XX/XXXX emailed XXXX XXXX with no response. 
XX/XX/XXXX emailed XXXX XXXX to inform them XXXX would file a complaint and take legal action since no action was being taken. 
XX/XX/XXXX Called XXXX XXXX and was informed case was being escalated. 
XX/XX/XXXX Received phone call from XXXX with Keybank requesting all the information be emailed to her for escalation process to start. 
XX/XX/XXXX All information was sent to new point of contact. 
XX/XX/XXXX emailed for update with no response. 
XX/XX/XXXX emailed for update with no response XX/XX/XXXX emailed for update with no response XX/XX/XXXX phone call to customer service and they stated XXXX was not able to take our call. 
XX/XX/XXXX Keybank is still refusing to communicate with XXXX on this issue.
Consumer complaint received 2023-05-22
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. (AZ)

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. 
Account Names and numbers as follows XXXX : XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 writter 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 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Account is stating incorrectly by TransUnion and XXXX. I have disputed this account as account is reported as a charge account type with a derogatory account status collection charge off payment status with date opened as XX/XX/XXXX by TransUnion XXXX XXXX Report stayed open as XX/XX/XXXX. Date last reported is stating as XX/XX/XXXX by Trans Union while XXXX report state last reported as XX/XX/XXXX, XX/XX/XXXX. Date last active reports as XX/XX/XXXX by Trans Union while XXXX reports XX/XX/XXXX. Date of last payment reports as XX/XX/XXXX by Trans Union while XXXX reports XX/XX/XXXX, XXXX payment history is reporting payment from XX/XX/XXXX through XX/XX/XXXX as OK as agree with one charge off on XXXX XXXX if payment history is reporting consecutive OK as agree. How is it possible that just suddenly XX/XX/XXXX theres charge off? Now, there is no possible way that account can be reporting payments up to XX/XX/XXXX and have date of last payment recorded as XX/XX/XXXX with Trans Union and XX/XX/XXXX with XXXX. This is a total mistake itself dates do not make sense.
Consumer complaint received 2023-04-09
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. (CA)

The credit Bureaus continue to violate the fair credit reporting act : According to USC 1681 ( 5 ) the credit bureaus have to modify or delete account that are not reporting accurately.

According to 15 USC 1681b ( i ) the credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 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. 

Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXXXX/XX/XXXX