davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-07
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)

CFPB NUMBER : XXXX To whom it May Concern : Hello, my name is XXXX XXXX XXXX and I On XX/XX/2021 your office received my request for XXXX, Equifax, XXXX to provide proof that I have given authorization of an accounts on XX/XX/2021 on my file. This letter is to notify It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on XX/XX/2021. The items I need deleted are listed in the report. I stated I an 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. 


demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( inquiry. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the accounts in 15 days I will take legal action.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America : On XX/XX/XXXX, I was the victim of theft from my personal checking account. During the afternoon of that day, through a back door program called XXXX, my account was accessed, password changed, and for what must have been XXXX hours computer thieves ( XXXX ) cancelled my notification requirement for on-line banking, ( XXXX ) contested Debit card charges for about XXXX weeks prior totaling {$710.00}, ( XXXX ) somehow ordered and verified a XXXX transfer XXXX XXXX XXXX in the amount of {$710.00}. On the morning of XX/XX/XXXX, I was notified by email that all of this had occurred. I immediately contacted Bank of America customer service and the fraud department to report this. I was able to change my password, filed a claim for the loss, cancelled the claims the " hackers '' ordered, and was assured that the funds would be returned. DID NOT HAPPEN. 

I have been around and around with the bank fraud department. They have alleged that the transfers and theft activities came from a " device used before '', which is not true, and have refused to provide the proof which on XX/XX/XXXX, they agreed to do so. I was told that it would take up to XXXX business days, long since passed. 

I called again and the fraud department has refused to even consider this claim. Now I a getting threated by the bank to close the account, which I do not care about, but to report me for credit. I have attached the information that I have in writing including emails from the bank from XXXX and up to yesterday. 

What I am seeking is return of the {$710.00} to the account, at which time I will deposit what is required to bring the account to " XXXX '' and will close it. A sad state given the long term relationship that I have had with them going back in some form to XXXX as XXXX  XXXX XXXX! 

Your assistance is appreciated.
Consumer complaint received 2024-09-19
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: Experian Information Solutions 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 2024-09-19
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. (GA)

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 that I have the right to privacy.

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

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-19
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. (SC)

Ive requested multiple times verbally over the phone and in writing to remove all dispute verbage and comments from accounts. Ive been trying to achieve this for several months with no success and this is keeping me from obtaining a home loan. Experian, XXXX and XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I demanded ( Experian consumer reporting agency ) to create report about 30 days ago requested an investigation because felt the items ) were not being reported legally. 
A couple of days ago I received a letter stating that your investigation was complete and the items were " Verified ''. 
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification. 
Verification requires sufficient documentary evidence to prove the information 's truthfulness. Neglecting to consult important documents, such as account applications, is a violation of the FCRA, as demonstrated in cases like XXXX v. XXXX XXXX. Bank, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. 2004 ). 
Your response should to me should include the following at a minimum. 
1 Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2 What certified documents were reviewed to conclude your investigation? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the item as it legally should be reported? 
What certified documents were reviewed to conclude your investigation? 
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
What did it cost your company to obtain the documents needed to complete your investigation? 
Please provide proof of your timely procurement of certified documents. 
Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
If yes to above : On what date? 
How long was the conversation? 
What was their position? 
What telephone number did you call? 
What is the name of the employee of your company that spoke directly to the above party? 
What is the position of the employee of your company that spoke directly to the above party? 
How long has that employee been employed by your company?
Consumer complaint received 2024-09-19
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. (CA)

RE : Late Payment Improperly Reported- I XXXX  XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by { CRA }. { CRA } has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. 
This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In XXXX of XXXX I reached out to Bank of America to set up a payment plan for my already closed credit card account. I was told the payment plan would be for {$510.00} a month but that the account will show every month a balance of {$370.00} but to ignore this and that when I am able to make extra payments this will go away. I continued to receive calls from BOA that my account was past due even though I was making my payment of {$510.00}. Upon speaking to someone on XXXX of these daily calls from BOA I was told inaccurate information that I hadn't make a payment in a year and that he couldn't see any of my recent payments or history of my payment plan. I told him I wanted this escalated because he had no idea what he was talking about. I was transferred to someone that was very helpful and told me that he could see that I have been making my payments of {$510.00} and that the calls will continue until I could make extra payments and that it would not get sent to collections or reported. He also mentioned if I am ever a couple of days late with the payment that it would be okay because they have a grace period. Fast forward to today, I get a notification of a new update to my credit report. Apparent BOA reported my for delinquent payment ( the {$370.00} play the {$510.00} that was a few days late ). I have went my whole life with no late payments on my credit report and boa just destroyed that because they are not on the same page.
Consumer complaint received 2021-11-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RFNA, LP (CA)

I opened a Republic Finance account on XX/XX/XXXX. Unfortunately the account when to collections, and after saving money I paid it off in XXXX, and the reporting stopped. In XXXX, I noticed that a XXXX Republic Finance account appeared on my credit saying I owed money for a new location, and I tried to dispute it. I reached out to Republic finance to show that it was paid off and that it should be removed from my credit. After a while of trying to get it removed and correction with Republic Finance and the collections, they acknowledged the cleared debt with my bank statements, and I never heard from them again. However, the debt was never corrected on my credit. In XXXX, I started getting more random calls about the debt, so I showed them the exact same documents showing it was paid, then they stopped contacting me, but they never removed it from my credit. Every time I try to contact them about my credit I get no where, and they say they are correcting it, but they haven't.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I should only have two addresses on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-09-04
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: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX XXXX I rented a car through XXXX and was charged {$290.00} for the rental period from XXXX XXXX to XXXX XXXX. Since I opted out of the car rental agencys insurance and relied on the coverage provided through my Chase Sapphire Reserve, XXXX charged me a refundable car insurance deposit of {$1300.00}, to be returned as long as there was no damage to the car. The car was returned damage-free on XXXX XXXX XXXX 

On XX/XX/XXXX, I contacted Chase to dispute the charge and followed up with XXXX to understand why the deposit had not been refunded to my card. Chase issued a temporary credit, and XXXX responded to my email on XX/XX/XXXX with a refund receipt. At that point, I believed the matter was resolved. 

In XXXX, Chase attempted to follow up with me via phone, but I missed the call and did not receive a voicemail. As a result, I failed to upload the requested documentation, leading to the dispute being closed and the credit reversed. 

Since the charge is not valid and the refund from XXXX was never received, I reopened the dispute with Chase, providing the Rental Car Agreement and email correspondence from XXXX acknowledging the refund. However, Chase once again deemed the transaction valid and closed the dispute. 

I followed up with XXXX on XX/XX/XXXX and XXXX, XXXX, questioning why the refund had not been processed. XXXX responded with the following : Dear customer, We have correctly taken charge of your request, and it will be processed as quickly as possible. We ask you to wait a few days as our assistance departments are partly involved in the holidays. However, your request for the return of the deposit is already being processed, and we have verified that you were charged incorrectly! We remind you that once we have returned the deposit, banking time is required for the money to be re-credited and visible in your bank account, usually at the end of the month. 

We remain at your disposal. 

Best regards, Customer Service, XXXX I am extremely frustrated that Chase is not taking this dispute seriously, and I feel scammed by XXXX which has numerous scathing online reviews. I regret not reading these reviews before renting the car in XXXX. 

As a loyal Chase customer for nearly 10 years and recent Chase Sapphire cardholder, I have always paid my Chase Sapphire balance in full and have never missed a payment. This is the first time Ive needed to dispute a transaction, and I am deeply disappointed with the service Ive received. 

Please note the vendor listed on the credit card statement is XXXX. The booking was made through XXXX and XXXX is the car provider. A simple XXXX search will show XXXX and XXXX are related.
Consumer complaint received 2024-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I had dental work done for my dogs and used Care Credit. I really didn't want much on my credit so I began paying large chunks on it immediately. The XXXX went through fine, cleared my bank, got confirmation email from Care Credit, the whole XXXX. I went to pay another large chunk the next week ( nothing is even due for a month ) only to see my balance was the same as prior. I checked my Care Credit pymnts and saw it was reversed. I checked my bank and saw it was gone. I asked my bank what happened and he said Care Credit RETURNED it. I then noticed a letter in my account that stated my payment was reversed. No reason. I told XXXX that the bank told me they had returned it, to which they denied. The letter states we have trouble receiving all payments. Just a blanket letter to be nondescript on their scam. I chalked this up to a fluke so the EXACT same thing happened on the next XXXX pymts ( which were still all well before the due date ) and this is when I reach out the them on XXXX. I then made XXXX more payments which went through the exact same, bank cleared, confirmation email all good on these XXXX and the balance was going down until BAM today, CLOSED due to too many " dishonored '' payments. BY WHO??? NOT ME!!!! XXXX RETURNED CLEARED PAYMENTS then closed my account and reported it to the bureau as delinquent and dishonored but wants to assure me my last XXXX pymnts posted. THEN WHY, AGAIN, WAS I CLOSED?!?!?!? 

I dont have exact dates on the retuned ones because they have taken access to my account and I am unable to see any further details.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, I also tried to correspond with them and call them. They dont, they dont want to remove false information that is incorrect, although by law they must remove it, but they dont do it. That's why I complain about them. Please help me thank you.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

The experience company, I corresponded with them, called them, and made a report. They are clear. They do not remove information incorrectly, this is the name, surname, addresses and accounts that have been closed for more than XXXX years, they do not remove them. I explained to them that I have evidence of bankruptcy. And since by law you have 7 years to remove these accounts. They are already closed, not functioning, they dont clean them and cause problems for me, that is, the impossibility of contact. Ive been in contact with them for XXXX months now, Ive been corresponding and nothing is helping, so I ask you to look into it and let me know, please.