davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (FL)

I want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 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 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 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 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 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 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 2022-08-09
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. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX XXXXXXXX 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
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-07-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$53000.00}.
Consumer complaint received 2023-07-21
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)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions 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 2021-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST (NV)

My husband and I traveled to XXXX over XXXX and XXXX Years. Of XXXX and early XXXX. On XX/XX/XXXX we went on a XXXX rental from XXXX XXXX XXXX, the the ocean was so rough my husband and I both got sick, and two crew members. Also while we were on the ocean, one of the engines blew, and we were down to only one so the captain insisted that he gave us a refund. The captain also had a difficult time parking the boat with only one engine and I have a video to prove that. I also told the bank that. I accepted and the refund was supposed to be for the full amount of {$1700.00}. That charge still has not come off my account. I also had two more charges on XX/XX/XXXX, one for {$250.00} and one for {$500.00} from XXXX XXXX XXXX XXXX. I had purchased a couple of cheap magnets for our son that has XXXX, and instead of them charging me in XXXX they charged me in dollars!! I got ripped off pretty bad in XXXX. I have tried to contact both merchants, and neither one have been cooperative. So I faxed my bank a letter to dispute all three charges. They confirmed that on XX/XX/XXXX they received my notification of possible incorrect debit card transactions on my bank of the west account. On XX/XX/XXXX I received a letter from them from XX/XX/XXXX saying that they had completed the investigation of my case. Bank of the West denied it, said that merchants are independent from us and they bank is not responsible for them for misrepresentations made by merchants from which I choose to purchase goods and services with my card. This is ridiculous when I cant even directly speak with the merchants. These are fraudulent charges, that I did not make and also one that should be refunded because of the horrible experience that we received and we were told we would be receiving a refund. I feel like I have been scammed by Bank of the West also. I have been saving for years to go on this trip. Also having a son that has XXXX and is nonverbal, it was a vacation my husband and I really needed and then to come home and see bank fraud is disheartening.
Consumer complaint received 2023-07-20
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. (MO)

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 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 2022-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TN)

Trans World Systems Inc has reported the same debt 3 times to my XXXX credit report once on XX/XX/2022 and then 2 more times on XX/XX/2022 for a {$120.00} balance. 

They have not provided me with any notice of the collection efforts or a way to request validation of the debt. In fact they have not communicated with me at all and I only learned of the debt through XXXX XXXX XXXX XXXX feature. 

This is extremely unfair and unethical. I want these accounts removed from my credit report as reporting the same debt multiple times is fraud.
Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I am writing to file a formal complaint against the Child Support Division regarding an alleged child support debt that has been erroneously reported to my consumer report. Despite my efforts to seek validation and documentation of this alleged debt, the Child Support Division has failed to provide any evidence or respond to my inquiries. As a result, I am suffering significant harm to my finances and credit profile. In XXXX of XXXX,, I submitted an affidavit of truth to the Child Support Division, as well as letters to XXXX and Equifax in XXXX of XXXX, requesting validation of the alleged child support debt. In my affidavit to the Child Support division, I emphatically stated that I have never been legally ordered to pay child support and that there is no record of me appearing before a judge, or received a judgement order, court order for such an obligation. Additionally, I have never consented to, agreed to, or accepted any responsibility for child support payments. I have requested a judgement order, court order or any documentation that validates this alleged debt, but have been met with silence from the Child Support Division.I also requested that the child support division explain how they obtained my name and address and social security number to report information to my consumer report as well as to cease reporting. The lack of response and the continuous reporting of this unverified debt have caused substantial damage to my finances and credit profile, hindering my ability to access credit and financial opportunities. It is also listed in my consumer report that a balance of XXXX is owed, but it also shows that payments have been made of {$200.00} a month consistently since XXXX. Well over 5yrs but the balance still remains at XXXX. Everything is inaccurate and they continue to report inaccuracies to my consumer report.
Consumer complaint received 2019-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WI)

On approximately XX/XX/XXXX, I received an Escrow Analysis that had shown we had a escrow shortage of {$1300.00}. When reviewing the Analysis it was noticed that the shortage was due to property taxes being disbursed outside of the terms in which the escrow account was originally set up. Originally my mortgage was set up with property tax disbursements to happen XX/XX/XXXX and XX/XX/XXXX. When my mortgage was transferred to Flagstar in XX/XX/XXXX from XXXX the escrow was set up correctly, which is evidenced by the XXXX escrow analysis from XX/XX/XXXX. When XXXX received my mortgage transfer from XXXX they altered the escrow disbursement date and paid the entire property tax bill in full in XX/XX/XXXX. By Flagstar making this change on their own it caused my escrow account to be short, which in turn is causing me to either pay Flagstar the shortage amount or have my mortgage payment increased over $ XXXX/mon. On XX/XX/XXXX I contacted Flagstar 's Escrow department and spoke with XXXX regarding the above referenced issue on my escrow account. XXXX put in a request to have a new escrow analysis completed as a rush, which he said would take 3-5 business days. On XX/XX/XXXX we checked account on the Flagstar website and a new escrow analysis was completed. This time with the updated escrow analysis showed the correct disbursement dates of XX/XX/XXXX and XX/XX/XXXX along with now and escrow overage. I also noticed on the new analysis that Flagstar was showing an HOI disbursement in XX/XX/XXXX for over {$3000.00}. My HOI is approximately $ XXXX/yr. I subsequently called Flagstar about the analysis on XX/XX/XXXX to inquiry about this issue and attempted to review the XX/XX/XXXX analysis with a representative from the Flagstar escrow department. I reached the same agent XXXX as I did back on XX/XX/XXXX and XXXX first was able to tell me that the {$3000.00} HOI disbursment was to Integrity insurance, which is my insurance company, but they have no record of receive any such payment from Flagstar. Upon additional questioning, XXXX stated that he could see the escrow analysis was in fact completed on XX/XX/XXXX, but was not available in any of the three systems that he was able to check and couldn't tell me what happened to that analysis. I had another expedited request opened, but he wasn't able to transfer me to a supervisor and could only put in another request. XXXX did verify that he was able to see the original loan documentation that showed the property tax disbursements were to be XX/XX/XXXX & XX/XX/XXXX for each calendar year and also saw that is how the escrow account was set up at XXXX prior to the transfer to Flagstar. I simply want Flagstar to correct my escrow disbursements to the correct date and adjust any account balance difference caused by the malpractice.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/year>, I made XXXX payments - {$3200.00} and {$2200.00} for a total of {$5400.00}. On that day that's the maximum amount of payment I could make. My goal was to make a full payment so my account is at XXXX balance. That did not happen. There were some pending charges that were not included and I understand that but those charges do not add up to the current statement balance. 
My complaint is that the credit card company Barclays does not allow you to pay off the full balance. Every month they force you to carry over a balance. I have tried numerous times to payoff the balance and each time I notice there is a balance carried forward. This is very misleading. The credit card company should clearly allow the consumers to pay off the balance on any given day. 
When I asked the XXXX to provide me a resource for complaints, they did not provide a resource for filing a complaint. I had to resort to XXXX to find CFPB. They also said that it will take XXXX - XXXX business days for anyone to get back to me about a complaint. These service levels are unacceptable for consumers.
Consumer complaint received 2023-07-20
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. (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.

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 2023-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, I received a fraud alert text from Chase bank. I responded that I did not recognize the transaction and canceled my debit card. I immediately reviewed my online transaction log and noted 16 unauthorized charges, all to XXXX. I called Chase and opened a claim for all of them, totaling {$510.00} with tax. A couple of hours later, I discovered that my XXXXyo son had bypassed parental controls and multifactor authentication on an XXXX and made these purchases. I notified both Chase and XXXX immediately and requested refund from XXXX. XXXX refunded {$88.00} but refused to refund the rest. XXXX also disabled my account so that I could not access anything. ( I have filed a separate FTC complaint for XXXX ). Chase did " an investigation '' and determined my claim was denied on XX/XX/2023, communicated via letter uploaded to their app. I spoke to a senior person in their claims department ( XX/XX/XXXX ) who told me the claim was " invalid '' but refused to tell me why it was " invalid '' except that it involved a digital wallet instead of a physical card. I asked if she meant to say that my digital wallet could be freely used without authorization by me, and she became flustered and hung up on me. I expect Chase to protect my bank account from unauthorized purchases ( including by my XXXX year old son ) and to limit my liability under the Fair Credit Billing Act. I also expect my use of a digital wallet and/or online purchasing to be protected just as much as purchases using a physical card. Of note, I do not have access to the items purchased, in addition to the fact that purchases were unauthorized. 

Also of note, Chase canceled my replacement debit card without notice on XX/XX/2023. Their debit card department stated via phone call that the claims department did this due to unauthorized purchases using a digital wallet ( presumably, the purchases above as I have not reported other unauthorized purchases ). This would seem to contradict their statement that digital wallets can not be involved in unauthorized purchases. 

I have uploaded the letter from Chase which includes the following : " Contact us if you would like to request the information we used for our research. '' This was refused and the agent hung up on me. I have also attached screenshots from XXXX showing the refund requests to XXXX.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Basically I sent paperwork to the credit bureaus on XXXX  asking for debt validation. As of today, I haven't received or got a response back so I'm filing a complaint against the credit bureaus to try to get this matter taken care of. I would like for these incorrect items to be removed immediately.
Consumer complaint received 2023-07-20
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. (CA)

I am writing to report an incident of identity theft that I recently discovered. I believe my personal information has been compromised and used fraudulently without my consent. I am seeking your assistance and guidance in addressing this matter.
Consumer complaint received 2024-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 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.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Consumer complaint received 2022-08-10
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # ( XXXX ) ( XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) reference # ( 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