davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (WI)

I purchased an item from this company in mid XXXX XXXX XXXX and immediately returned it ( my house could not accommodate the restrictions of this item ). I was informed that they received the item and that they would refund my account. When I received the subsequent bill for my account, the refund was missing. So I called customer service ( mid XXXXXXXX XXXX XXXX ) and explained that my account was not credited. Thats when I learned that they had established a new credit account and that was where the refund was sitting. I explained that I had no understanding that my refund would be held by the company. No where was that explained to me. So I corrected that the amount should have been put in the account of purchase. It was explained that subsequent purchases are being paid with this new account, and then I requested the remaining finds either be returned to me or the account of purchase. I was told this is not possible. Why is this allowed to be called a refund when I can not access it? And why are they allowed to hold money that belongs to me? The amount of money is several hundred dollars and this is close to if not actual theft of my property. I would like something to be done about this practice, which at the very least is abuse of customer funds.
Consumer complaint received 2023-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (TX)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : ACCOUNT : XXXX ( XXXX XXXX XXXX  ) ACCOUNT NUMBER : XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation .

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On 06/2023, you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Deleted from my consumer reports effective immediately. 

Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond to inform me of this, which would be a waste of both our time and resources. 

Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

So I need the above transactions deleted from my consumer reports!
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-10-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners (GA)

I asked this debt collection agency to send me documents validating this alleged debt and I received a document that does not state that at all! There was nothing addressed and still no valid documentation supporting the alleged debt. They provided a document with an address that I never resided, the date of service alleged by the original biller is a date that no service was utilized and the contact number listed is invalid and has been invalid since 2019, which was before the alleged date and year of supposed service. Please provide an accurate bill reflecting the alleged date of service along with documentation as evidence that the original biller and/or creditor ( s ) did attempt to contact me before sending the alleged account to a debt collector. The document provided is NOT a validation of any debt.
Consumer complaint received 2024-07-24
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)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXumber : XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Opportunity Financial, LLC (FL)

Cease and Desist To Whom It May Concern, I am writing to formally request that your agency cease and desist all further communication with me regarding the account referenced below.

Additionally, I request that you remove this collection account from my credit report in accordance with several provisions of federal credit laws. The account appears to be inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Inaccuracy and Completeness ( FCRA Section 611 ) : The information being reported is inaccurate and/or incomplete. Under Section 611 of the FCRA, I am entitled to a complete and accurate credit report. Please review and correct this information to ensure compliance.

Verification of Debt ( FDCPA Section 809 ) : ** I request that you provide validation of this debt as required by Section 809 of the FDCPA. If you can not provide proper validation, you are obligated to cease reporting this debt to the credit bureaus.

Inaccurate Reporting ( FCRA Section 623 ) : the debt is found to be inaccurately reported, Section 623 of the FCRA requires you to correct or delete the information from my credit report. 

Please confirm receipt of this letter and that you have ceased all collection activities and removed the account from my credit report. If you do not comply with these requests, I will be forced to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (SC)

SELFINC LEAD # XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX I demand Verifiable Proof ( an original Consumer Contract with my Signature on it.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bay Area Receivables, Inc (NC)

Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c ) ( 2 ) .All forms of communication should be stopped and ceased through all mediums mail, electronic, phone calls and credit reporting.
Consumer complaint received 2024-07-24
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. (CA)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 


ACCOUNT : XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-07-24
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde

r 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 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 2024-07-24
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. (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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX and list of Inquiries. 

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 2024-08-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

This concerns LexisNexis. In or about XX/XX/XXXX and XX/XX/XXXX I placed a security freeze on my account with LexisNexis On two seperate occassions , LN released personal inaccurate information to XXXX and XXXX while the security freeze was in effect. I have reported this to LN but have not received a response yet.
Consumer complaint received 2024-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

On XX/XX/year>, there was an unauthorized, fraudulent ACH transfer of {$2900.00} from the checking account of our non-profit at Citibank. We reported it to Citibank on XX/XX/XXXX as soon as we found out after a routine log into the account on the Citibank business website ( document enclosed ). Citibank confirmed our report and subsequently asked us to fax a complaint form ( enclosed ). 
Citibank told us they were investigating. We kept in touch with Citibank which informed us that the other parties involved ( XXXX and XXXX XXXX  ) were not responsive. Now Citibank says they are closing the case. Our all-volunteer run non-profit has lost {$2900.00} in this fraudulent transaction. Kindly help.
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Army and Air Force Exchange Service (VA)

My complaint involves the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX and the Exchange Credit Program ( ECP ) that manages the STAR Card. The card has a retail balance, which carries an 18 % interest rate and a military clothing balance, which carries a 0 % interest rate for 8 months. In early XXXX, I purchased {$500.00} of military uniforms, which should have carried the 0 % rate. I discovered this week ( XXXX XXXX ) that the balance was instead placed on the retail side. I contacted the ECP to find out what happened, and the operator ( XXXX, no further information ) stated that she submitted the request for the correction, but the department in charge would have to decide whether or not to approve. I feel I've worked in good faith to correct this problem, but ECP seems to treat the error as an inconvenience ( I was originally directed to take my problem to the store with my receipt ). I just want the balance of the account to be reflected appropriately -- under the military clothing side ( 0 % interest rate ) that I was made to believe at the time of purchase. Any interest accrued on this account needs to be reversed.
Consumer complaint received 2024-10-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: FIRSTBANK PUERTO RICO (PR)

XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX Subject : Notice of Dispute Regarding Car Repossession Dear XXXX, I am writing to formally dispute the reporting of a car repossession associated with my credit file. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681b ( a ) ( 2 ). 

As XXXX operates as a reporting agency and not a traditional credit bureau, I am invoking my rights under 15 U.S. Code 1681a ( w ). I demand a thorough investigation into this matter.

Additionally, I expect compliance with 1681i, which entitles me to a fair investigation of the disputed information, and 1681e ( b ), which requires you to maintain reasonable procedures to ensure maximum accuracy of the information reported. 

XXXX XXXX : ** XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX PR XXXX Please be advised that pursuant to 15 U.S. Code 1681n, I am aware of my rights regarding civil liability for willful noncompliance, which may result in damages of not less than {$100.00} and not more than {$1000.00}, in addition to any actual damages incurred, along with attorneys fees and costs. Should you fail to address this dispute adequately, I will consider pursuing legal action to seek these remedies. 

I also request that you provide me with the names and addresses of any other bureaus or agencies that reported this information to you. 

Please confirm the accuracy of this information and provide documentation verifying the legitimacy of the reported repossession. If you can not substantiate this claim, I expect the removal of this inaccurate information from my credit report, as mandated by 1681s-2.

I appreciate your immediate attention to this matter and expect a response within the 30-day timeframe specified by the FCRA. 

Sincerely,
Consumer complaint received 2023-12-09
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: EQUIFAX, INC. (GA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

After my account was completely frozen by USAA leaving me with XXXX access to any money, I was forced to apply for a short term loan in the amount of {$1200.00}. This loan comes with an interest rate of 710 % APR and is meant to be paid off quickly. It was accidentally deposited into the account which USAA has frozen and it has not been able to be canceled by the lender. As a result, I'm literally paying 710 % interest on a loan which was meant to HELP me and it's now DESTROYING me as a result of the original issue which USAA has already had a complaint filed against them in the first place!!!! I called customer service today and she refused to allow the short term loan to be sent back to the lender. USAA has literally destroyed my life!!!
Consumer complaint received 2024-07-24
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. (MA)

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.
Consumer complaint received 2024-08-19
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: Block, Inc. (OK)

On XX/XX/year>, my XXXX  company issued a direct deposit transaction of {$550.00} to CashApp via XXXXXXXX XXXX. When I filled out the direct deposit information with my XXXX company, I gave the wrong account number yet did use the right routing number. My XXXX company issued a reversal of the transaction once the error was discovered, however, CashApp aka XXXXXXXX XXXX  has refused to return the errant funds. I have contacted CashApp support via chat and phone, they only give me a case number and say my financial institute needs to issue a reversal of the transaction. When I tell them thar the XXXX  company has, the.support team get defensive, say no transaction exists and then disconnect communication. I have a copy of the trace number and the transaction failure from CashApp saying they can't locate the account thus can't return the funds. I need the company to release the funds back to my payroll company so I am not forced to pay it out of pocket.
Consumer complaint received 2024-07-24
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. (WA)

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Consumer complaint received 2024-10-22
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: Experian Information Solutions Inc. (MO)

I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, Please be reminded, No consent is identity theft : XXXX  XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX Please promptly remove this data within 4 business days under pursuant 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance