davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute inaccurate information that appears on my credit report pursuant to my rights under the Fair Credit Reporting Act. ( FCRA ) specifically 15 USC 1681i ( a ) I am requesting a reinvestigation of the following item. 

XXXX XXXX XXXX XXXX I believe that the information listed above is inaccurate and does not reflect my true credit history.

In accordance with 15 USC 1681i ( a ) ( 1 ) ( a ). I am requesting that you conduct a reasonable reinvestigation to determine the accuracy of the disputed information. I kindly request that you contact the furnisher of the information to verify the accuracy of the disputed item. During this reinvestigation I ask that you consider any documentation or evidence that I may provide to support my claim of inaccuracy.

I understand that under 15 USC 1681i ( a ) ( 3 ) ( a ). You are required to complete the reinvestigation within 30 day of receiving dispute unless you notify me that an extension is necessary. If after your reinvestigation it is determined that the information is inaccurate, or can not be verified.I expect the prompt removal or connection of the disputed item from my credit report. And this Dispute is not being submitted by error.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Perform a Re-Inquiry of My Credit Report at XXXX XXXX XXXX 

Dear Sir/Madam : I am writing to file a formal complaint regarding a critical issue with the process for re-inquiring my credit report as required by the rules outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my XXXX XXXX XXXX account, despite my taking steps to correct this incorrect information.

I recently disputed the presence of a late payment on my TXXXX XXXX XXXX account, which has been negatively affecting my credit history. Under the Fair Credit Reporting Act, I have a right to an accurate and fair credit report. Following my dispute, the credit agency was required to conduct a new investigation into the matter and ensure that any inaccuracies are corrected immediately. 

I request the Consumer Financial Protection Bureau to urgently investigate this matter and ensure that the credit agency complies with the standards stipulated by law. I request prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit agency and XXXX XXXX XXXX  I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your prompt assistance in this regard. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-10-03
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. (NC)

XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-03
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)

In accordance with the Fair Credit Reporting Act the following accounts XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. These accounts are not accurate and I have caused great harm to my credit score. I have tried many times with the credit bureaus but they have failed to verify my accounts. I have provided documentation of court decisions on the validity of these accounts but they seem to ignore them. I did not have incorrect accounts deleted as per the FCRA.
Consumer complaint received 2024-09-15
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. (FL)

I am formally requesting an investigation into Experian for conducting unauthorized hard inquiries on my credit file without my consent. I have never signed any application or given authorization for these hard inquiries to be made. Despite multiple requests, Experian has failed to provide any proof of my authorization for these actions, such as a signed application or a contract along with my valid drivers license. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These unauthorized hard inquiries have raised serious concerns regarding Experians compliance with the Fair Credit Reporting Act ( FCRA ), which mandates a permissible purpose for accessing and reporting consumer credit information. These actions have negatively impacted my credit score and financial standing, causing significant hardship. I have not provided any entity with the authority to access or pull my credit, and Experians failure to comply with FCRA regulations has caused undue harm to my credit standing. I respectfully request that the CFPB investigate Experians practices, hold them accountable for their failure to comply with the law, and take immediate action to remove these unauthorized hard inquiries from my credit report. 
Additionally, I have repeatedly communicated my concerns to Experian, including sending notarized documents via first-class mail, yet they continue to ignore my requests and subject me to psychological harassment through these unauthorized actions. I need verifiable proof of who initiated these hard inquiries, along with proof of identity, to confirm who authorized them. Please investigate this matter thoroughly and ensure that these illegitimate inquiries are removed from my credit file immediately.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: M&T BANK CORPORATION (MD)

I was an online banking customer with M & T Bank ( checking and savings ) in early XXXX. I closed both accounts XX/XX/XXXX and withdrew my funds because of poor customer service. Evidently {$0.00} of interest was added to the savings account on or about XX/XX/XXXX. I was never notified about this remaining interest, nor was I told that M & T could not officially close my account until I withdrew the remaining {$0.00}. Instead of notifying me in writing, via email or a phone call about this, they just started adding a {$7.00} per month service charge on the account because my balance was too low. On XX/XX/XXXX, I received a statement in the mail that due to unpaid service fees, my account was turned over to collections. I tried calling their toll free customer service line on XX/XX/XXXX and was told they could not help me because the account had been closed by collections and that I needed to speak to the collections department. I called that department on XX/XX/XXXX and was told they could not help me because they can't remove fees on the " back end ''. They told to call back to customer service to see if I could get a different person who knew what they were doing. After a 30 minute wait on hold, the lady I spoke to initially said she could not help me either because the account was already closed. She suggested I go find a branch and ask them. I reminded her that I was an online banking customer and that was why I was calling her. I asked to be transferred to a supervisor and spoke with " XXXX ''. She offered to investigate and called back to say that she would have the charges reversed and to not worry about the collection. I told her that wasn't sufficient- this matter could affect my credit report and score and I wanted something in writing from M & T confirming that this account was no longer in collections. She refused, stating that because there was no form letter for this matter, she had nothing she could send. Evidently M & T personnel don't know how to compose letters from scratch. She, too, suggested I go locate a branch to see if they could help me with some written documentation. This is unacceptable for an online banking customer. I want the documentation sent to me in writing to my address of record.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX I am writing to formally dispute inaccurate information related to late payments on my credit report for the following account : Account Information Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account XXXX XXXX Credit Card XXXX Opened : XX/XX/XXXX Balance : {$4200.00} Monthly Payment : {$160.00} Recent Payment : {$830.00} as of XX/XX/XXXX I have identified an error in the reporting of late payments. I was never late on this account, and the reported late payments are due to a billing discrepancy. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is accurate and can be verified. Given that the reported late payments are inaccurate and can not be verified, I kindly request that these late payments be removed from my credit report. 

Please conduct an immediate investigation into this matter, and if the late payments can not be verified as accurate, they should be deleted. Additionally, I request a written confirmation once the necessary corrections have been made to my credit report. 

I look forward to your prompt response and thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is my second complaint regarding the same issue. 

On XX/XX/year>, Merrill Lynch closed my account ( which I have no problem with ) and mailed me a check that I never received due to an incorrect address they had on file. On XX/XX/XXXX, I discovered the account was closed and had a XXXX balance, which was particularly distressing as I had lost my income around that time. 

After not receiving the check, I visited the branch approximately XXXXwo weeks later and spoke briefly with the manager ( I can provide her name if needed ). She checked the status of my check internally and informed me that it could take up to 10 days to lift the restriction, followed by an additional two to three weeks to mail the check. 

On XX/XX/XXXX, after seeing no action, I called the bank again. Its important to note that I attempted to reach the bank multiple times but had difficulty getting through to the right person. Unfortunately, my call on XX/XX/XXXX did not yield any results. 

I visited the branch again on XX/XX/XXXX after making an appointment. This visit and the complaint I filed with the CFPB on XX/XX/XXXX led to a response from Customer Experience Manager XXXX XXXX, who called me on XX/XX/XXXX. By the end of XXXX, I finally received my funds. 

During my conversation with XXXX XXXX, I requested compensation for the lengthy wait and what I believe was a systematic administrative oversight, as it took three attempts to get my issue resolved. XXXX XXXX indicated he was working on this compensation. He called me on XX/XX/XXXX to discuss the amount, explaining that according to the bank, it would be XXXX. He followed up on XX/XX/XXXX, asking me to specify the compensation amount, which I provided on XX/XX/XXXX along with a description of the stress and inconvenience I experienced. 

On the same day, I received a response from XXXX XXXX, Senior Business Control Specialist. This response focused heavily on the reasons for my accounts closure, which was never an issue, while acknowledging the administrative oversight from my initial call on XX/XX/XXXX. However, it completely omitted the fact that I contacted the bank twice more in XXXX and again on XX/XX/XXXX, both times with negative results. This omission suggests a systematic issue rather than just an administrative oversight, and I believe the banks response was tailored to their advantage, disregarding any consideration for compensation. 

Additionally, the response instructed me to contact XXXX XXXX by phone with any questions or concerns. I attempted to reach him twice in the following weeks, leaving voicemails and sending follow-up emails, but I never received a response. 

Thank you for your attention to this matter.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

What had happened is that I tried purchasing a coach hand bag from a company through instagram and they were adamant in using XXXX as a form of payment. Then just further down the line they requested more money for frivolous reasons and started to seem as a overpayment. I had used Chase Banking to give these people the funds necessary to complete the transaction. i had first contacted them on XX/XX/year> and XXXX them {$160.00}. A couple days after they had not contacted me at all then requested for me to send them {$75.00} for " shipping protection '' which I had sent them on XX/XX/year>. They had claimed they did not receive the payment and started to get aggressive with me, as it did show as pending I had done another XXXX payment to someone I did know to ensure it was working and it did. This is when I knew of the scam they had been pulling, they previously requested for me to send them more money so they can refund me my own money I had already given them. After all of this I had reported this interaction to Chase Bank, and filled a compliant of scam and fraud but even with all the evidence, receipts, email, names, transaction history, and scamming behavior they were unwilling to provide a XXXX refund on the scam even thought they were a company acting as a individual, requesting XXXX they were a entity with the backings of a company.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-03
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)

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 2024-10-28
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: DIGITAL FEDERAL CREDIT UNION (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Perform a Re-Inquiry of My Credit Report at XXXX XXXX XXXX 

Dear Sir/Madam : I am writing to file a formal complaint regarding a critical issue with the process for re-inquiring my credit report as required by the rules outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my XXXX XXXX XXXX account, despite my taking steps to correct this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXXE account, which has been negatively affecting my credit history. Under the Fair Credit Reporting Act, I have a right to an accurate and fair credit report. Following my dispute, the credit agency was required to conduct a new investigation into the matter and ensure that any inaccuracies are corrected immediately. 

I request the Consumer Financial Protection Bureau to urgently investigate this matter and ensure that the credit agency complies with the standards stipulated by law. I request prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit agency and XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your prompt assistance in this regard. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I have two credit cards with the Pentagon Federal Credit Union ( PenFed ). On XXXX  XXXX  card they only charge interest on cash withdrawal about every six months. On the XXXX card they charge me {$62.00} each month for interest and cash advance fee. When I asked why only this card they state in there letter it was policy.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX