davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I submitted a complaint earlier this month about addresses being incorrect on all of my reports ( Experian, XXXX, XXXX ). Instead of updating the address on the reports, I received a letter from CFPB stating that the complaint was submitted by someone not me even thought I supplied identification in the complaint as an attachment. Please make the corrections as asked before because I don't know who the other addresses belong to. I needed this done 30 days ago.
Consumer complaint received 2022-11-27
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: JPMORGAN CHASE & CO. (CA)

My checking account with JP Morgan Chase is XXXX. 
I have wrote more than twice to the customer service but they did not answer my question directly and so I am seeking your help. 
I withdraw from an ATM in XXXX for XXXX peso from my XXXX XXXX account ( it come with no ATM fee worldwide ). My account indicated about {$330.00} ( {$330.00} subtract {$4.00} fee rebate ) for that withdrawal. 
This translates into XXXX exchange rate which is ridiculous as JP Morgan is converting this at competitive market rate. All the money exchange booths around the ATM area show at least around XXXX. 
I check with JPMorgan what rates they gave me, and whether there is other fee that they did not reimburse me. They never answer directly to these two simple questions after at least two emails enquiry. It is either they XXXX  me over the exchange rate or they did not reimburse me all the fee involved.
Consumer complaint received 2023-06-26
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)

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX 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, to provide proof, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-26
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. (NY)

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CarMax, Inc. (CA)

I co-signed on a car loan with my son at Carmax. Last year, Carmax XXXX XXXX falsely reported a late payment two separate times. Both our credit scores dropped and after calling multiple times we were able to get them to correct their mistake. Then a month later suddenly the loan vanished from both of our credit reports. All payment history, everything was gone. It simply said " account closed ''. We still have the car and continue making on time payments on it, but are not getting any credit score benefit from it. We have both called dozens of times and are always told they " are working on it ''. This is outrageous and is affecting our credit and we are getting turned down for loans and mortgages now. This is wrong and has caused us irreparable damage. We want all our retroactive history of on time payments up to and including the present date to appear on our reports and this loan to be put back on all three credit bureaus.
Consumer complaint received 2022-11-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: IQOR US INC (KY)

XXXX XXXX was discontinued by me voluntarily, they sent a box for the equipment to be sent back, that equipment box was never delivered to my home to be sent back, therefore I was charged the amount of the receiver boxes. Multiple attempts made to dish and request to speak to manager to request the box and after 30 days they basically refused to send a box for tlreturn of equipment, I still have the equipment but the company turned it over to collections and will not speak to me as I don't have an open account. I will pay the amount due and owed after they take the equipment back and adjust for the equipment return, the bill remaining would be under XXXX dollars, I would gladly take care of this if they would take the equipment and adjust the bill as it was agreed on the day it was discontinued by me.
Consumer complaint received 2022-11-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA (FL)

Closed a CD account in preparation of hurricane Ian to have funds available in case of natural disaster as our area was in the path of the hurricane. I was charged early withdrawal fee of around {$1600.00}. Called the company several times asking them to get reimbursed for this fee.
Consumer complaint received 2022-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/24 I used a debit card with PayPals Bill Pay service for {$990.00}. PayPal accepted the transaction and charged the debit card, but did not send the payment to my vendor, XXXX XXXX XXXX XXXX. PayPal has a transaction ID which they claim is proof that the transaction was successfully completed. The vendor has not credited my account. I've contacted the vendor several times and they have not received the payment from PayPal. I've used PayPal to make similar payments quite often without issue. I've tried to resolve this issue multiple times with PayPal but all have been unsuccessful. The case I opened with PayPal was # XXXX. PayPal closed the case stating the transaction completed successfully. I appealed it and they closed the case again with the same response. On XX/XX/XXXX I initiated a 3 way call between PayPal and XXXX. The XXXX representative explained that they investigated extensively and did not receive the payment from PayPal. The PayPal representative used this information to re-submit the case with a new reason code. On XX/XX/XXXX, I was notified by PayPal that my case had been denied again based on the merchants response and the information we have to date.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

Note This is NOT a duplicate complaint I provided the sane information to Consumer Financial Protection Bureau and to XXXX as I have to the credit reporting agencies ; all three. XXXX said none of the credit reporting agencies reached out to them or they wouldve investigated further. This has finally been resolved and after XXXX reviewed all of my documentation and investigated further, they determined that what is on my report is a fraud account ; identity theft. They watch me through the process of filing an identity theft report with FTC. That was done XX/XX/XXXX. They informed me that they sent notification to all of the credit reporting agencies to remove XXXX off of my reports. In speaking with the credit reporting agencies, especially XXXX, Im hearing that theyve done enough investigation and disputes will not do any further although new information has been sent to them by the credit reporting agencies.
Consumer complaint received 2022-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

This is recurring a recent check that Ive deposited to my business Account, and this transfer is on hold because its kind like a 3rd party check. The reason why i deposited this check because its authorized from the payable payee, which this check is to given to, and on the back of the check, which have includes the written and signature includes that this check have authorized payable to My account. I have try to ix this issue with my bank, but the bank have place this hold on my account full access!! This is unfair to me, becuase theres many others deposit on my account, such as cashier check that i just deposited into my account, and the bank have put this holds on my fully account access.
Consumer complaint received 2024-10-08
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: Experian Information Solutions Inc. (MI)

XXXX XXXX is continuously violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). I have disputed this account multiple times and even sent letters directly to them, yet they have failed to conduct a proper and thorough investigation. If they had performed an actual investigation, they would not be furnishing incorrect addresses, such as XXXX XXXX XXXX, XXXX, MI XXXX, where I have never resided. This demonstrates their complete lack of due diligence in verifying the accuracy of the account information. 

I am requesting actual proof that I opened this account. Electronic documents can easily be edited, and stolen IDs can be fraudulently used, making their current verification methods inadequate. XXXX XXXX has allowed dealerships to open accounts fraudulently without proper verification of the consumer 's identity, relying on contracts full of violations that anyone could sign. This is not in compliance with FCRA standards. 

In addition to XXXX XXXX violations, XXXX, XXXX, and Experian are also in violation for continuing to report this account despite the obvious discrepancies and my multiple disputes.
Consumer complaint received 2023-06-11
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. (IL)

In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC. 

Account : XXXX XXXXXXXX XXXX, violated my rights.

15 U.S.C 1681 Section 602 A. States I have right privacy.

15 U.S.C 1681 Section 604 A Section 2 : its 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 of information, other than records of convictions of crimes which antedates the report by more then 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 know or a has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-27
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. (PA)

XXXX XXXX XXXX XXXX # XXXX Amount : {$430.00} Date Opened : XX/XX/2022 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.
Consumer complaint received 2022-11-27
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. (PA)

XXXX XXXX  ACCT # XXXX Amount : {$330.00} Date Opened : XX/XX/2017 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

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 Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX Account number XXXX Account name : XXXX XXXX  XXXX Account XXXX XXXX Account name : XXXX & XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name : XXXX  XXXX  XXXX  Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 2022-11-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (SC)

After finding a Insurance company XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) to cover our XXXX XXXX XXXX XXXX XXXX. My mortgage co ( Veterans United ) paid out of my escrow account held by Veterans United, {$1900.00} for the XXXX XXXX on XX/XX/2022. We the homeowner assumed that our home is now covered. On or about XX/XX/XXXX we experienced significant damage to living room ceiling from a leaking tub upstairs. After calling XXXX XXXX we were told we have no insurance. After further investigation, we found that on XX/XX/2022 {$1900.00} was returned to my escrow account that is being held by Veterans United. Not XXXX XXXX or Veterans United had the decency to inform the homeowner. We now have substantial damage, the written proposals are from {$7100.00} to {$12000.00}. That is bathroom cost ony, does not include ceiling repair. After researching a new policy we are told until damage is repaired and verified no XXXX will write policy. We feel we are not responsible to pay that kind of money, for XXXX XXXX and Veterans United 's negligence. We are willing to pay the original {$1000.00} deductible, after that they are responsible. Thank you. Looking forward to your response.
Consumer complaint received 2022-11-27
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. (PA)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigated but how is that possible? if the open date is inaccurate, the date last active is inaccurate, account types are different, and date last reported is not accurate. This ground for removal they also violated my rights under 15. U.S.C 1681 section 602 A States I have the right to privacy.

15. U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

Also the credit bureaus took more than 30 days to complete my investigation I SUBMITTED A COMPLAINT WITH THE XXXX I SUBMITTED A COMPLAINT WITH THE ATTORNEY GENERALS OFFICE AND THESE COLLECTION AGENCYS ARE VIOLATING MY RIGHTS This was not a proper investigation 15 U.S.C 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

This is a violation please remove accounts
Consumer complaint received 2022-11-27
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. (PA)

XXXX XXXX XXXX # XXXX Date Opened : XX/XX/2015 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (DE)

XXXX is reporting inaccurate and unverifiable public record information about me on XXXX XXXXXXXX consumer credit report and file. These unverifiable bankruptcies are listed on my XXXX consumer and file as file/docket # : XXXX and file/docket # XXXX XXXX. According to the FCRA, in order for XXXX to furnish these alleged US BANKRUPTCY COURT public records, they would need to be able to both VALIDATED and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with me through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as Lexis Nexis, XXXX XXXX XXXX XXXX XXXX XXXX. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with LexisNexis that they were not able to validate this alleged bankruptcy in accordance with federal law. 
Having the abovementioned information, XXXX is violating my federally protected consumer rights. In addition to that violation XXXX is also committing fraud since they claim to have verified this bankruptcy but their sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ) and 15 USC 1681C ( A ). I DID NOT give XXXX neither direct nor indirect permission to furnish my information. 
I am hereby demanding this entry be permanently removed from my consumer file within 30 days from the day XXXX RECEIVES this demand. Should XXXX choose to be negligent in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX.