davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GLOBAL SOLUTION BIZ LLC. (NJ)

I have been contacted by Global Solution Biz LLC regarding an alleged debt. They have repeatedly refused to provide validation of the debt despite my requests under the Fair Debt Collection Practices Act ( FDCPA ). They have threatened to seize my assets and have stated they will enforce liens against me without a court judgment. They have also ignored my cease-and-desist request, continuing to contact me in a manner I consider to be harassment. 

Additionally, they have made false representations, suggesting they can enforce actions without due legal process. Despite my repeated efforts to resolve this through proper documentation and validation, they have been uncooperative and intimidating. I seek CFPB assistance in addressing these unfair practices and protecting my rights as a consumer.
Consumer complaint received 2024-10-02
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I accidently made a payment to my CC 's out of the wrong Checking account, this account didnt have and funds in it so the payment was returned and upon realizing this I made a payment out of the correct account when they bank informed me that the transaction was denied.
Consumer complaint received 2024-08-20
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. (GA)

I am in disagreement with the account listed below, which still appears on my credit report even after your investigation. I would like this item to be immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 

XXXX XXXX XXXX / XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-10-29
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)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CO)

CFPB, This issues is not adequately resolved even though the case has been closed by your agency. The reference number is  XXXX .     Experian has stated that they ca n't find a credit file under my name. This is incorrect they have sent me a letter indicating that my credit file has been impacted by a negative item.     They ca n't have it both ways. I do have a credit report, they ca n't find it in the computer system during a cursory search. Look deeper in the computer system.     This is common given that my full legal name is  XXXX   XXXX   XXXX . A name that is this length commonly causes issues with computer systems. Happens all of the time. It is not unusual to have people with hyphenated last names.     Experian has now provided deceptive information during a credit inquiry. Experian please correct the information as soon as possible. If the issue is not corrected I will need to seek immediate legal advice from an attorney.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (MI)

My Chime account was suspended because a transfer from XXXX account didnt go through when chime wanted it too. 

I called chime 5 times in total and was hung up on twice During those calls I was gave nothing but run arounds Chime continued to put stipulations in place as I did everything they asked me to do I was told to upload a bank statement and front and back of my Id which I did after doing that they put another stipulation in place saying they couldnt use my bank statement cause is from XXXX and XXXX and not XXXX and I told them that XXXX hasnt yet mailed me a bank statement for XXXX and I was told theres nothing they can do then
Consumer complaint received 2017-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I have a complaint regarding your ATM machine located at  XXXX   XXXX   XXXX   XXXX  floor at  XXXX    XXXX    XXXX   XXXX ,  XXXX , NY  XXXX .     I was at this location on  XXXX   XXXX ,  2017 , I tried to retrieve some cash from this Chase ATM at this location. Instead of giving me the cash I requested, this ATM machine got stuck, it swallowed my card inside of this machine, I was not able to get it out. I asked mall security guide for help, but security staff said it is  Chase 's problem, and I am the SIXTH CUSTOMER OF that day experienced this RIDICULOUS issue. They suggested me to wait 15-20 minutes to wait for this sta ggered machine to return the card to me.     I had an hair and massage appointment, thus I tried to cal l Chase customer service, but I was not able to get through to talk to any live person helpful to this situation. Thus I had to wait at mall for 20 minutes, missed my hair a nd massage appointment to get my debit card back.     I complained to m all manager about this horrible experience, the mall manager t old me that this is not the mall 's problem. It is Chase provided bad ATM machine, they had NEVER SEEN any bank ATM machine swallowed up customer 's ATM card and causing customers EXCESSIVE AMOUTN OF TIME to wait. None of the customers on that day received any cash from the machine, they indicated this issue had been going on for a while , and Chase  failed to check into this regardless multiple customers experience hassle and difficulties.
Consumer complaint received 2024-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2024-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account Number : XXXX
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On Sunday, XX/XX/2022 I was at work at XXXX XXXX from XXXX and realized that I was missing my phone in the middle of my shift. I bought a new phone, and when I went to re-login to my apps, there was {$2100.00} removed from my savings and sent off to XXXX XXXX as XXXX and sent to an unauthorized user I have never met before. I have tried to talk to XXXX XXXX and the XXXX  is non-refundable so I reached out to Bank of America. They stated that because someone didnt take all of my money and I have had some huge transactions before, that they cant replace my money. But I have no idea why all my money wasnt taken and am just thankful it wasnt. I also showed proof of receipts from XXXX XXXX and had just recently received my tax income and used it to spend on bills. Other than that I have never made such a huge transaction and would never send XXXX  ti anyone, let alone someone I dont know. I am seeking extra help in the matter.
Consumer complaint received 2024-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 EXCLUSION 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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I AM A VICTIM OF HUMAN TRAFFICKING. I REQUESTED CREDIT BUREAU BLOCK THESE ACCOUNTS PURSUANT TO 605C OF THE FAIR CREDIT REPORTING ACT. THEY HAVE STILL CONTINUED TO NOT COMPLY WITH MY REQUEST.. I ATTEST THAT THIS INFORMATION BE REMOVED PROGRESSIV | 2024-07-23 : VICTIM OF XXXX XXXX PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  | XXXX : VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX  XXXX : Account number : XXXX, VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX : Account number : XXXX, VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX | XXXX : VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX  XXXX | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION XXXX OF FAIR CREDIT REPORTING ACT XXXX  | XXXX : VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  | XXXX : VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I need your help regarding this incorrect account listed on my credit report. Ive brought this to your attention because its harming my reputation, and I need your support. Your poor management of my credit report has brought me significant trouble, and your inaccurate reporting has damaged my reputation. You need to correct these mistakes so I can live peacefully with my family.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-10-02
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Case number : XXXX Human Trafficking case number : XXXX RE : Non-Compliance with Section 605 ( b ) and 605 ( b ) ( c ) of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally address Equifax 's failure to comply with Sections 605 ( b ) and 605 ( b ) ( c ) of the Fair Credit Reporting Act ( FCRA ), following the submission of my signed, dated, and stamped self-attestation form from a recognized NGO. While both XXXX and XXXX have honored my request and successfully blocked the identified adverse items of information from my credit report, Equifax has failed to take similar action, resulting in discrepancies on my credit report. 

Section 605 ( b ) of the FCRA clearly outlines the prohibition against the continued reporting of adverse information when certain conditions, such as the provision of a self-attestation, have been met. Despite my compliance and the submission of all necessary documentation, Equifax has not fulfilled its legal obligations to investigate and block the inaccurate information in question.

I demand that Equifax immediately correct this oversight by removing the identified adverse items from my credit report. Failure to comply with the legal requirements under Sections 605 ( b ) and 605 ( b ) ( c ) places Equifax in violation of the FCRA, and I reserve the right to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action, if necessary.

I expect written confirmation that the discrepancies have been resolved, as well as an updated copy of my credit report, within 4 days of receiving this letter persuant to section 605b and 605 ( b ) ( c ) of the fair credit reporting act Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2024-08-20
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. (NY)

" 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. 
"