davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had made transfer through XXXX and I made wrong transfer to wrong person. I right after found out I did wrong. I have disputed transaction and bank said they need to check before reversal transaction. As of XX/XX/XXXX, I spoke with person who I transfer wrong. He gave me receipt that his bank was transferred back to my bank. However, until now bank of america which is also my bank did not refund that amount to me. I felt like they dont want to return money and eventhough the another bank had made refund. I look like fishy and they want to steal my money
Consumer complaint received 2018-11-30
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: TD BANK US HOLDING COMPANY (MI)

XXXX  has been non-compliant with removing the unverified account TD BANK USA/XXXX  XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that TD BANK USA/XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

At Experian, and XXXX XXXX, the later couldn't let me through, and Experian would not continue the prompts online, making it frustrating. My room mate, XXXX got hers, but I could not. I need it to rent an apartment, or I will be homeless!! please tell me how I can get my report. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting 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. (SC)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-11-16
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. (MI)

I sent Experian, XXXX and XXXX 4 letters disputing the following items on my credit. I wanted them to provide me with documentation that these items belonged to me. Each credit reporting agency did not provide documentation of proof the items belong to me. They either stated they were updated, or had no change at all. The items are to be deleted is you can not verify the authenticity of them. 

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 I appreciate any assistance you can give me. 
Thank you!
Consumer complaint received 2024-10-30
Product: Credit reporting 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. (IN)

I discovered errors on my credit report related to 15 USC 16c-2. The inquiries shown were not approved by me, and this false information is harming my credit score. Please eliminate all unauthorized hard inquiries. Thank you!
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2018-11-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Service Center, Inc. (OH)

XX/XX/XXXX To Whom It May Concern, The reason for my dispute is COLLECTION SERVICE CENTER INC. # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, COLLECTION SERVICE CENTER INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 )  COLLECTION SERVICE CENTER INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX, XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under FDCPA.XXXX v. XXXX  XXXX XXXX ( Tex.App-XXXX XXXX XXXX XXXX. ) XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX XXXX XXXX XXXX XXXX ) I also believe that this business is not registered to operate in the state of OHIO. I expect this collection account to be removed from my credit report.COLLECTION SERVICE CENTER INC has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Dear Sir or Madam : I recently viewed my credit report issued by your agency. Needless to say I am extremely upset that my report is replete with inaccurate and false information, all of which reflects poorly on my credit worthiness. In accordance with the Fair Credit Reporting Act, Section 611 [ 15 U.S.C. 1681i ], I expect you to complete this reinvestigation within 30 days. XXXX XXXX XXXXXXXXThis account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX.
Consumer complaint received 2018-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX, I applied for a CITI Simplicity credit card based on an advertised 0 % APR promotion. It is now XX/XX/XXXX and I have yet to physically receive the card. 

I called Citi on XX/XX/XXXX and spent 32 minutes talking to customer service and proving my identity. I was told a replacement card would be expedited to my new address. I wanted to use the card for Black Friday/Cyber Monday. 

I called back on XX/XX/18 to inquire about the whereabouts of this card and was told the card was never processed. I was told that Citi tried to contact me after my 32 minute call to them on XX/XX/XXXX,  but no voicemail was left nor is there any record of a missed call. No communication by email either. Citi never bothered to inform me that they were not sending me a credit card. I then asked to be transferred to a supervisor and was hung up on. No follow-up call, explanation, or apology was made to me much like my call 8 days earlier. 

There is an inquiry on my credit report from this credit card. Several months have passed and I have not been able to use the 21 month 0 % APR term, nor register the card electronically to see my monthly statement balance ( currently {$0.00} XXXX. I do not have access to any information regarding this credit card, nor can I use it to make purchases. 

I have another Citi card open in good standing ( with a zero balance / {$38000.00} credit limit ). 
I've never been treated like this by any other credit card company and would like the Citi Legal/Executive team to justify their service and execution. This is false advertising.
Consumer complaint received 2018-02-18
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: JPMORGAN CHASE & CO. (IL)

My car was stolen on XX/XX/XXXX. The police recovered it on XX/XX/XXXX and my primary insurance company, XXXX XXXX XXXX, deemed it a total loss. I also have GAP insurance thru a subsidiary of XXXX XXXX. The loan is thru CHASE Bank. I contacted Chase bank customer service, who transferred me around 5 times, having to repeat the same story to XXXX different people. They finally transferred me to a department that was now in charge of my account. During this time period, I did not receive any information from CHASE Bank, they did not contact me by phone to inform me in writing regarding any information on my account. On XX/XX/XXXX I made a payment of {$440.00}, which is my car payment. CHASE had assessed me a late charge but WAIVED the late charge on XX/XX/XXXX. CHASE then received and credited a payment from my insurance company, XXXX XXXX XXXX, in the amount of {$14000.00} on XX/XX/XXXX Further, CHASE received and credited to my account a payment from my GAP insurance company of {$1100.00} on XX/XX/. CHASE REFUSES to acknowledge those payments on my behalf, from my insurance companies, and that THEY credited to MY account as payments on my account and has DESTROYED my credit score by reporting me as late/delinquent. They have done this because as one of their customer service representatives explained to me, payments from MY insurance company on MY behalf don't count as payments. REALLY??? They have received payments and credited payments on my loan, from my insurance companies, on my behalf, yet they can just erroneously ruin my credit because they have some INTERNAL POLICY that WILL ACCEPT the money but WON'T accept payments on my loan on my behalf. I am not seeking any type of financial compensation, although I do believe they should also WAIVE the 2nd late charge, they have assessed me of {$22.00} on XX/XX/XXXX, AFTER receiving PAYMENT from my insurance company. I am seeking relief from CHASE Bank 's internal policies that PENALIZE CUSTOMERS for NO good reason and to REMOVE the DEROGATORY credit information that they placed onto my credit reports, which is now on my report for 7 years! The Credit Bureau 's won't do anything, they take the side of the Creditors. Frankly it is amazing, I am the victim of a crime with my car being stolen and now I am the victim of Corporate Arrogance from CHASE Bank, who is destroying my credit for 7 years! Thank you!
Consumer complaint received 2018-12-01
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: EQUIFAX, INC. (VA)

An application for business credit was applied for using BUSINESS credentials -- not personal information was inputted into this application ( i.e., SSN ). Equifax allowed XXXX XXXX  access personal information for a business credit card. XXXX claims that based on the terms of the BUSINESS APPLICATION that they were authorized to check personal credit, but this is NOT the case if the only credentials you have on the APPLICATION is the EIN of the BUSINESS and not the SSN of the personal applying. XXXX allowed access of my information without having proper authorization, and XXXX XXXX instead of aborting the application process infiltrated my privacy by prying beyond what they had access to. They need to provide the actual application and not just the terms of a generated web TERMS and AGREEMENT document. A denial letter is attached whereby XXXX XXXX  checked MY PERSONAL CREDIT FILE WHILE HAVING NO SSN on their application to do so.
Consumer complaint received 2018-11-16
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)

To whom it may concern ; On XX/XX/XXXX, I was admitted for XXXX XXXX to XXXX XXXX Hospital,  XXXX XXXX, XXXX, Florida, by XXXX XXXX XXXX, ( XXXX. XXXX. ) I was in for one week. The following week I went to XXXX XXXX office for a follow up. I was informed I had caught a XXXX XXXX from XXXX XXXX Hospital. I have tried to find a lawyer to represent me. As you probably know that lawyers dont want to take it unless you make {$250000.00} per year, and I dont. Also recently the XXXX XXXX came back along with complete XXXX in all XXXX on my XXXX XXXX and the XXXX XXXX. 
On XX/XX/XXXX I noticed were a bill from XXXX XXXX Hospital c/o XXXX XXXX XXXX, had come in and I sent them a letter ( attached ) informing them I was paying on the bill and requested all the information pertaining to the account. I never received anything. 
I had paid them {$50.00} per month since released from the hospital from my XXXX XXXX XXXX bill pay every month until I have a major decrease in my income in XXXX XXXX and I changed the payment to {$5.00} monthly. 
After sending the letter XXXX XXXX Hospital, they  hired XXXX XXXX XXXX  and reported incorrect amounts on my Equifax Credit report. I filed a dispute and they told me to contact XXXXXXXX XXXX. I did they stated that {$5.00} monthly was not enough. I dont think they should file with the credit bureau if you havent missed a payment and they had accepted payment. I am paying what I can afford I am on XXXX and only make {$1500.00} monthly and have a lot more medical bills Im paying on. I always pay my bills, it might take a while. 
I am requesting this be removed from my Credit Report and find out why the original amount owed and the balance have changed significantly since XXXX XXXX took this over. 
If you would have any information on how I could seek damages against this hospital and its medical staffing would be deeply appreciated.
Consumer complaint received 2021-05-31
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. (LA)

On XXXX XXXX. I sent a dispute to Equifax, XXXX and XXXX  Disputing 2 bankruptcies on my credit reports. The information is inaccurate, so I requested that the items be removed from my credit report. The bureaus stated the information was verified as accurate by the Bankruptcy Court in XXXX XXXX, Louisiana and refuse to remove from my credit report. I contacted the US Bankruptcy Court located in XXXX XXXX, Louisiana and I was advised that they didnt report such information to Equifax, XXXX or XXXX. I have been disputing this for 9 months and the bureaus Equifax, XXXX and XXXX  are not legally reporting the correct information.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

In accordance with the fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 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. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2018-12-01
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. (AL)

Originally, I sent a letter on XX/XX/2018 to XXXX XXXX XXXX ( XXXX ) disputing a tradeline of my credit report from them. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I asked validation that was competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. On XX/XX/2018, I received a copy of Consumer Installment Loan Agreement and Federal Truth-in-Lending Disclosure from XXXX XXXX XXXX XXXX XXXX as their validation which wasn't validation competent evidence bearing my signature to XXXX. I received a credit bureau alert from XXXX ( betweenXX/XX/XXXX-XX/XX/XXXX ) and XXXX  ( between XX/XX/XXXX-XX/XX/XXXX ) stating the collection item has been removed from my credit report. Then days later I received another credit bureau alert from XXXX ( between XX/XX/XXXX-XX/XX/XXXX ) and XXXX ( between XX/XX/XXXX-XX/XX/XXXX ) stating the collection item has been added back to my credit report. I sent a reinsertion letter to all three credit bureaus ( XXXX, Experian, and XXXX  ) stating I had not received the ( 5 ) day notification which is required by law. All three bureaus stated they have validated this disputed item and refuse to remove and re-investigate in spite of all of the documentation I have provided to dispute the validity of this item. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( ii )  Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the  business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that  the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.