davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

At a high level, I experienced a series of fraudulent charges on my Bank of America credit card following a legitimate XXXX purchase for ~ {$82.00}. I never received the item and discovered that the merchant had been charging me every day for {$380.00} without my knowledge or approval. Despite multiple attempts to dispute the charges and resolve the issue, Bank of America completely mishandled the situation, resulting in additional charges from the " merchant, '' late fees, and ultimately, the closure of the my credit card account due to not paying the last remaining fraudulent charge while it was under review with the fraud team. This has severely damaged my credit score and is hurting my ability to conduct new financial transactions including refinancing and obtaining an XXXX loan for a new business. I am seeking restitution for the fraudulent charges, late fees, and credit report damage, as well as the reopening of my credit card account. 

Please see attached for the full incident description.
Consumer complaint received 2023-03-11
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: Experian Information Solutions Inc. (GA)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$5000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX : {$700.00} ; XXXX  XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2900.00} ; XXXXXXXX  ( Original Creditor : XXXX XXXX GA ) XXXX XXXX : {$660.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (FL)

I bought a new vehicle and had to take a loan out through XXXX XXXX XXXX Chase Auto Loan. After receiving the car, there were many issues with it. I contacted XXXX and after months of attempted repairs we went to arbitration and I was granted a repurchase/vehicle buyback from the arbitrator ( please see attached arbitration award ). XXXX did not follow through and I have attempted to work with XXXX XXXX XXXX Unfortunately, XXXX XXXX XXXX XXXX loan and stated I was fully liable regardless of the arbitration award. Other facts are this car won the arbitration award due to it being unsafe and falling under the lemon law. This car also lacked safety and other features promised when pre-ordered as well as other items that were promised that were never received to date. Last, the vehicle value dropped more than XXXX XXXX after purchase which would not be an issue if I had a safe working vehicle but I don't. Now I am left with a vehicle I refuse to pay for as I had to purchase a safe car XXXX XXXX with my child. This is severely impacting my XXXX XXXX now putting me in a financial situation as a single mother. I feel this is a very unfair situation to be in with no help. I am feeling helpless.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I opened a business bank account with Santander Bank recently, and the banker ordered the debit card and pin to my home address, but I never received the debit card or the pin, whoever stole the card and pin through the mail, they activated the debit using the pin number, they made multiple unauthorized debits on my account, when I got the fraud alert from the santander bank, i immediately responded that it was a fraudulent transactions, but the santander bank failed to stop the unauthorized charges, I filed the claim with them twice and they just denied my claim to refund my money stating that they found inconsistencies on my account activity and documentation I provided. They did not ask me for any documents nor i provided any documents, I have been telling them from the beginning that I did not receive the debit card or pin, someone else stole debit card and pin from the mails and activated the debit and made multiple unauthorized charges, but the bank is not paying the attention to the details to recover my funds.
Consumer complaint received 2023-05-12
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. (OH)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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 2024-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

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 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-25
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. (IL)

There are inappropriate and inaccurate information on my credit file. According to the law us code 1681 ( a ) ( b ) and us code 1681 ( e ). Its not right to have inaccuracies information on the file. It suppose to 100 % accurate and it is not please delete this account off my credit file. It show 1 30day late payment and XXXX for 60days and 10 late payment for 90days how is this possible.
Consumer complaint received 2024-07-12
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 XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-07-12
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 Number : XXXX XXXX Account Name : 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 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am writing to address several issues I have discovered with my credit report and to request immediate action to correct inaccuracies. Below, I outline my understanding based on various legal references and my specific requests. 

1. **Loan Legality and Social Security Number Request** : - According to 12 USC 1431 , banks are considered borrowers themselves and therefore, should not be permitted to loan money. 
- Per 42 USC 408, it is illegal to request my Social Security Number for any credit transaction or loan. This is compounded by the fact that HJR-192 suspended the gold clause, meaning there is no lawful money, only a means to discharge debt. 

2. **Consumer Rights and Debt Discharge** : - Under 15 USC 1602 ( g ), consumers are recognized as creditors. UCC 3-104 details the nature and use of negotiable instruments.

- Additionally, 31 USC 5118 permits the discharge of all debts. A charge-off should be treated as a certificate of indebtedness and must be removed.

3. **Inaccurate Credit Reporting** : - It has come to my attention that my credit reports from XXXX, XXXX, and XXXX contain discrepancies and inaccuracies. Specifically, the information on these reports does not match across the agencies and includes incorrect data about my credit history. 
- Reporting transaction history that is not accurate is illegal under the Fair Credit Reporting Act ( FCRA ).

4. **Specific Requests** : - I kindly request that none of my credit card accounts be closed. Instead, they should be updated to reflect " Paid as agreed, never late. '' - All inaccuracies and discrepancies in my credit reports must be corrected immediately. This includes updating any accounts to accurately reflect my payment history and removing any incorrect or outdated information. 

I expect prompt action on these matters. Please confirm receipt of this letter and the steps that will be taken to rectify these issues. I trust that you will handle this request with the urgency it warrants. 

Thank you for your attention and cooperation. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Ive been a victim of an identified thief for over one year and I see some information or inquiries I dont make. I need these hard inquiries removed as were not authorized by me Name Requested On XXXX XXXX XXXX  XXXX XXXX date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX EQUIFAX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXI Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I recently discovered that my creditor failed to provide the required 21-day notice before the payment due date, along with the statement that outlines my balance and due amount. This notice period is critical because it ensures that I have adequate time to review my statement, arrange for payment, and avoid any late fees. 

Due to this oversight, I was not given sufficient time to make my payment on time. As a result, the creditor charged me late fees, and it now appears as though I did not pay my bill when, in fact, I was not given the opportunity to do so within the proper timeframe. This situation arose due to the creditor 's failure to follow the proper notification procedures, and it is their mistake that has caused this issue. 

I expect that, given this error, the creditor will rectify the situation by waiving any associated late fees and adjusting my payment record to reflect that this delay was due to their non-compliance with the 21-day notice requirement, not my negligence. 

PERSONAL INFORMATION : The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-06-25
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. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-03-11
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)

Unauthorized Credit Inquiries In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately. 



In accordance with the Fair Credit Reporting Act, 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. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately. 


In accordance with the Fair Credit Reporting Act, 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. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately.
Consumer complaint received 2024-06-25
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. (PA)

I am writing to dispute an unauthorized inquiry on my credit report. In accordance with 15 U.S.C. 1681b of the Fair Credit Reporting Act, I am requesting that [ EXPERIAN ] investigate and remove this inquiry from my credit report. 
I have recently reviewed my credit report and noticed an inquiry from [ XXXX XXXX XXXX  ] dated [ XX/XX/year> ]. I want to clearly state that I did not provide written consent for [ XXXX XXXX XXXX ] to access my credit information or to perform any inquiry.
Consumer complaint received 2024-06-24
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)

To whom it may concern, I am writing to request an investigation of the following information on my credit report : The charge-off of an obligation with XXXXXXXX XXXX XXXX is not mine ; I am not responsible for this account, I am a victim of ID theft. People have used my information to open them and make fraudulent activities. 
To further support my claim, I have attached documentation including : the police report from the identity theft complaint, also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-25
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. (TX)

Thank you for your response dated XX/XX/year>, to my complaint submitted on XX/XX/year>, through the CFPB Complaint Portal. I appreciate your efforts to address my concerns regarding the inaccuracies on my credit report.

However, I need to see proof of my signature on the documents related to the disputed items. Under the Fair Credit Reporting Act ( FCRA ), I have the right to obtain documentation or written verification of the disputed information from the data furnishers.

According to Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I have the right to request and receive all relevant information that was used during the reinvestigation process, including copies of documents with my signature. This verification is crucial for resolving my dispute accurately.

Please provide copies of the original documents bearing my signature for the following items : Item # 2 : Updated account record Item # 3 : Account record remains unchanged Item # 4 : Account record remains unchanged Item # 5 : Updated account record Item # 6 : Account record remains unchanged The specific accounts in question are : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX If you can not provide these documents, I request that you remove the disputed items from my credit report. As I have not received satisfactory resolution, I will be filing another complaint with the CFPB to ensure my rights under the FCRA are upheld. Additionally, please be advised that if these violations are not rectified, I will seek litigation for up to {$5000.00} per violation. This is my final warning. 

Thank you for your attention to this matter. Please let me know if you need any additional information from me to facilitate this request.