davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (NC)

I am writing to dispute a transaction related to a XXXX XXXXXXXX XXXX from XXXX XXXX on XX/XX/XXXX. 

On that day, I received multiple email updates from XXXX XXXX stating that my flight was delayed. I proceeded to the airport, expecting the situation to be resolved. However, I later received an email notification stating that the flight was canceled. At the airport, passengers were directed to call customer support for assistance, as several flights had been canceled that day. 

In the absence of timely support from XXXX XXXX, I was forced to book a last-minute flight with another airline, costing me {$1300.00}. XXXX XXXX claimed the cancellation was due to bad weather in XXXX, yet I was informed by several people that the real reason was staffing issues, and they were citing weather to avoid compensating passengers as per the new DOT rules. 

Without my permission, XXXX rebooked me on a flight for the following day. I tried to contact customer support to cancel this rebooking, but after 3 hours and 25 minutes on hold, my phone battery died. Online customer support was also unavailable citing " off line ''. The following day, while I was already en route on the alternate flight, I attempted to reach customer support again and remained on hold for 1 hour and 27 minutes with no response ( I have proof of calling history ). 

Despite my attempts to cancel the rebooked flight, XXXX XXXX later reported to my credit card company that I was a no-show, which is simply not true. I would not have spent {$1300.00} on a new flight if I intended to fly with XXXX the next day. This situation feels purposefully difficult, and I believe both the airline and my credit card provider have failed to support me as a consumer. 

In addition to the flight charges, XXXX also charged me for miles and luggage on a flight I never took. They canceled my original flight, rebooked me without consent, made it impossible to cancel, and then charged me for services I never used. I believe this behavior is unethical, and I request that my credit card company reverse the charges related to this flight.They also as a premium travel credit card " US Bank Altitude reserve '' which I pay $ XXXX has done nothing to support and help in this matter especially since I have travel insurance through the credit card as well. 

I appreciate you looking into this and look forward to a fair resolution and refund for a service never used due to their staffing issues and cancellations.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (WI)

I am signed up with my Chase Freedom card for online statements only. I tried to sign in last night and again this morning to check and pay my bill, and they have a message on my account that I need to agree to both their updated Digital Serving Agreement ( this is 127 pages ) as well as their Online Mobile and E-sign Disclosure and Consent Agreement. ( This is another 10 pages ). I can not access my account until I agree to all of this.

First off, I do not have time to read through a total of 137 pages of legal jargon, nor should I have to in order to access my account. ( That I legally need to pay, on time and in full or I will incur late fees and interest charges ) Second, I am not a lawyer and have no legal back grounds and I am not certain exactly what some of this legal jargon means. 

I am not sure how it can even be legal for my credit card company to withhold access to my account and not allow access to pay my bill without reading all of this and then agreeing. This is extremely sketchy and slimy on the part of Chase and should be illegal if it is not already. 

I would like the government and lawmakers to please look into this practice that Chase is doing, trying to bully people into agreeing to something that most people probably dont have time to read and probably dont completely understand. ( Which seems like this is exactly what Chase is hoping for ) Very dirty on Chases part to try to pull something like this. 

Worth mentioning is that my charges on this card are normally rather small. Last month, I made a very large charge, the largest charge I have ever made on this card. It is certainly making me wonder if Chase thought I would not be able to pay this large charge off right away, and now would be the perfect time to try to bully me into agree to this. 

They would be incorrect if this is their thought process. I have the money and am trying to access my account to pay my balance off in full. I need to be able to access my account soon so I can pay my balance before it is late and then they will try to get more money from me for interest and late fees. 

While I remember this payment is due sometime in the second half of the month, I do not know the exact due date because I cant log into my account to find out. I NEED Chase to let me into my account by the end of this week ( XXXX  XX/XX/2023 ) at the latest so I can pay my bill.
Consumer complaint received 2020-08-17
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: FREEDOM FINANCIAL NETWORK (DE)

i am not sure what all is deceptive with freedom debt relief but i do know that negotiations for credit card settlements with the last account which is XXXX  was first shown to be implemented between XXXX and XXXX of this year.. This changed upon accessing my dashboard with freedom debt relief to now show between XXXX and XXXX.. so for some reason, after funding a one-time XXXX payment last month and now another XXXX a week ago, nothing has changed. the account i set up with FDR included 6 creditors and for about a year now only 3 have been shown to be paid off. two are in structured settlements but no movement whatsoever and the lthe last account negotiated settlement has not been reached albeit getting debits from my XXXX XXXX account in the amount of {$110.00} every two weeks since XX/XX/2017 as well as additional deposits of {$1500.00} towards paying off this account involvement. Nothing is happening. Yet I discover fees of {$25.00} and change being taken out for FDR fees each an every month. I was told that no fees would be accessed until after accounts were paid off but they are not moving forward and have stalled with pay off. I am very stressed out by lack of forward movement after 3 years of dedicated payments. When I went to XXXX  i was not able to register or access my account that was supposedly already set up. My credit score plummeted from the low 700 's down to XXXX .. I am really frustrated and need someone to step in and find out what is going on with both XXXX  credit bureau as well as freedomdebt relief.
Consumer complaint received 2024-08-08
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: EQUIFAX, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX has no customer service phone number to opt out of XXXX XXXX service. this company submits a daily inquiry on my credit report and Experian does the same. I never signed up for this service nor did i give written permission for either company to perform theses actions on daily bases.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

I have an open account with Sensible Auto which is current. As of XXXX of XXXX they started reporting my account closed and reported in a bankruptcy. I filed a bankruptcy in XXXX of XXXX. My case was closed XXXX of XXXX. I purchased a car jointly with my husband in XXXX of XXXX. The account has been reporting on my account correctly for XXXX  years and now it's saying closed due to bankruptcy but it's open and current on my husband credit report. I have reached out to XXXX XXXX last month and the credit bureaus about the issue. A supervisor at XXXX XXXX stated that it will be corrected on my XXXX report but it has not updated. I am trying to purchase a home and this issue is creating a major problem for me. Please help me
Consumer complaint received 2024-08-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

Personal Statement 15 U.S. Code 1681c-2 This is my personal statment : All accounts listed below have be reported without my expressed written concent and therefore need to be removed as a result of idenity theft and must be removed.. These accound are not related to any transactions made by me the consumer : Fraudulent acconts : XXXX XXXX XXXX : Acct XXXX XXXX XXXX XXXX : Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Acct : XXXX XXXX XXXX XXXX XXXX Acct : XXXX
Consumer complaint received 2024-08-08
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. (UT)

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 XXXX XXXX XXXX. 

Account Name : XXXXXX/XX/XXXXAccount Number : XXXXXX/XX/XXXX XXXX - {$0.00} - exp XX/XX/XXXXXXXX XXXX {$1300.00} - exp, XXXX XXXX XXXX XXXX - {$1200.00} - exp, XXXX XXXX XXXX XXXX - {$520.00} - exp, XXXX XXXXXX/XX/XXXX XXXX - {$1200.00} - XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax 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 XXXX 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 2024-08-08
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. (TX)

n 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 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.
Consumer complaint received 2024-08-08
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. (NV)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-08-08
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/year> Equifax Disclosure Department, XXXX XXXX XXXX, XXXX, GA XXXX. 
Re : Dispute of Inaccurate Information in My Credit Report Dear Equifax, I am writing you to dispute the following information in my file. I have reviewed my credit report and have identified several inaccuracies. I am requesting that these items be investigated and removed from my report. The items I am disputing are listed below : Account : XXXX Account Number : XXXX Account : XXXX XXXX Account Number : XXXX Account : XXXX XXXX XXXX Account Number : XXXX Account : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX Account : XXXX  XXXX Account Number : XXXX Account : XXXX XXXXXXXX Account Number : XXXX According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to my dispute within 30 days. Please inform me of the outcome of your investigation in writing at the address listed above. Thank you for your prompt attention to this matter.
Consumer complaint received 2020-08-17
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE (GA)

I got prequalified through them and did a lot of work ( sending in paperwork, etc. ) that I went with them for my mortgage process. The process started out good, but quickly after became a mess. XXXX XXXX was the loan agent and was not good to do business with. 
He wouldnt convey information clearly and misrepresent things constantly. He would assure things were on track and everything would get done In a timely manner and then come back shortly after and ask for additional documents that were not needed. Primary residential mortgage also doesnt tell there clients they have to pay for there own appraisal fee until the end of the process which is very unprofessional on there end at the cost of {$590.00} this was also another issue I had with Mr. XXXX XXXX. My closing date was changed 3 times due to his negligence because he wouldnt do his part properly in the process. Due to him and his company, I lost the home I was under contract on because he continued to push my closing back with and excuse every time. Him and his company should be flagged for this practice because several others have had similar issues with this company. Ive reported them to the federal trade commission act for deceptive and misleading actions.
Consumer complaint received 2024-08-08
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. (NC)

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 2024-08-08
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: EQUIFAX, INC. (FL)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2024-07-22
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. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.