davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my XXXX. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my XXXX I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to XXXX XXXX.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have an account with Bank of America account # XXXX which I paid down to XXXX balance after the account was paid to XXXX it seems that the interest was generated which I didn't realize and to my knowledge the account was paid off so I didn't even think to check. Once I was made aware I quickly paid it off to XXXX  again.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (MD)

On XXXX I attempted to use my card to find out it is declined. I call Citi to find out that my account has a fraud flag on it. The only way they are willing to verify my identity is to mail a form to my home that I no longer live at ( moved 2 days ago ). I then requested to have my account closed which they refused to do. At this point I just want my account closed and to never bank with citi again.
Consumer complaint received 2023-08-09
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: 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

XXXX XX/XX/2023 Subject : Complaint against First National Bank of Pennsylvania for Denial of Claim Regarding Undelivered Online Purchase Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against First National Bank of PA regarding the denial of my claim for a purchase made online, where I never received the merchandise. I firmly believe that I should not be held responsible for payment on an item that was never delivered to me. 

On XXXX XX/XX/2023, I made an online purchase from XXXX XXXX via XXXX using my First National Bank debit/credit card. The transaction amount was {$540.00} with an initial hold amount of {$190.00}. However, despite repeated attempts to contact the merchant and request the delivery of the purchased item, it has not been received to this day. 

Subsequently, I initiated a claim with First National Bank in order to dispute the charge and seek a refund for the undelivered merchandise. However, to my dismay, my claim was recently denied by First National Bank, stating that the charge was considered valid and that I am responsible for payment. 

This denial of my claim is deeply concerning and unfair. I fulfilled my part of the transaction by providing payment, but I have been left without the promised merchandise. It is unjust for me to bear the financial burden for an item that was never received. 

I believe that First National Bank 's decision to deny my claim is in violation of consumer protection regulations and contradicts the principles of fair and responsible banking. As a customer, I should be protected against fraudulent or non-delivered purchases, especially when they are made through reputable online platforms. 

I have made several attempts to resolve this issue directly with First National Bank, but their responses have been unsatisfactory, leaving me with no recourse. Therefore, I am seeking the intervention and assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure a fair resolution. 

Enclosed with this complaint, you will find relevant documentation, including copies of the purchase receipt, correspondence with XXXX, as record of my communication with which clearly demonstrates my efforts to resolve the situation. 

I kindly request your immediate attention to this matter and your assistance in rectifying this unjust denial of my claim. I also ask that you keep me informed of the progress made in investigating and resolving this complaint. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to protect consumers ' rights and ensure a fair resolution in this case. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (OK)

XXXX  student loan provider states that they have been attempting to auto deduct my payments from my bank account without success and my public storage payment at the beginning of aXXXX was declined as well. I have not received any fraud notifications and I have called Chase numerous times and verified my identity they are ruining my credit report
Consumer complaint received 2023-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-31
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a personal credit card from Capital One for many years with my social security number on it I have a couple users on it as well. A company that I work for filed XXXX XXXX I did not file XXXX XXXXXXXX they have marked my credit bureau bankruptcy they've marked my additional users bankruptcy they will not talk to me nor let me make a payment I keep telling me to call an attorney I don't have an attorney because I didn't file bankruptcy they have incorrect information will do nothing to check it out. I've never missed a payment my life anywhere there's no reason I would ever file bankruptcy
Consumer complaint received 2023-08-31
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-29
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. (NY)

I am writing to request the immediate blocking and deletion of specific fraudulent accounts on my credit report due to a data breach that has compromised my personal information. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent information removed to protect my credit report from the impact of unauthorized accounts. 
Details of the Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-08-31
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX 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 2023-08-31
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reinvestigated my credit report, I realized that the same information was erroneous. The 3 credit Bureaus are required to revalidate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (FL)

ATTENTION CEO, CFO, and TRUSTEES. In pursuant to the Fair Debt Collection Practices Act you did not provide the information requested and Required by LAW. I am requesting a physical, handwritten signature on a document related to debt collection, as mandated by the Fair Debt Collection Practices Act ( FDCPA ), which regulates how debt collectors can contact and interact with consumers ; essentially, it requires a tangible signature with ink on paper to validate the document legally. This was not provided for any of the accounts in relation to the XXXX New Vehicle Loan {$25000.00}, All Allege debts are accepted for Value, returned for value In pursuant to Title 15 US Code 1693o-1, Public Law 106-229. In the past you have received endorsed coupons that were received by Navy Federal Credit Union and ignored to settle all accounts in which is a violation of Public policy 3-603. TENDER OF PAYMENT. A company providing remittance transfer services is required to follow the disclosure and information requirements outlined in 15 USC 1693o-1. Due to your inability to Validate the Allege debt, Consider All accounts Settled and Adjust the balance to XXXX. In Accordance with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

By : XXXX XXXX, XXXX As : Beneficial Equitable Title Holder in Due Course
Consumer complaint received 2023-04-28
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 — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (GA)

Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. 

LVNV FUNDING LLC # XXXX is reporting inaccurate information to my XXXX credit report. I have contacted both to launch an investigation on numerous occasions, most recently on XX/XX/2023, but I have not received any information on the investigation. This is a violation according to the law listed above.
Consumer complaint received 2024-09-23
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. (LA)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-08-31
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. (PA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. XXXX, XXXX, and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which it states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

XXXX XXXX XXXX  ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumers report under the following circumstances and no other : in accordance with written instructions of the consumer whom it relates. '' ( XXXX XXXX ) the financial institutions and the Consumer reporting agencies XXXX, XXXX, Experian do not have my consent to furnish this information and they surely do not have my written consent. Any consent to XXXX, Experian, XXXX, ( XXXX XXXX ) whether it verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states a Financial Institution may not disclose nonpublic information to nonaffiliated third party unless : the consumer is given an explanation on how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are adverse items that reporting without my permission which is illegal and against the law. 15 USC 1681 s-2 ( A ) ( 1 ) A " states a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of this section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under this section 1681b of this title. '' Experian, XXXX, XXXX are not maintaining reasonable procedures. also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. And I'm opting out of your reporting services.
Consumer complaint received 2023-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NV)

I am being charged for something that I didn't do by XXXX XXXX they filed this in XXXX and I been out of that residence since XXXX due to XXXX XXXX that I went through with my ex because he almost killed me but not only they pin this on me when it was squatters who did it they sold my information to a collection agency without me knowing this and I didn't sign any paperwork for them to do this it is against the law code 15 USC1681B for them to sell your information without you knowing