davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
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. (IL)

I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts [ XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX ], [ XXXX XXXX ], [ XXXX XXXX XXXX ], are not complete and accurate.

I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate
Consumer complaint received 2023-07-13
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I have been approved for SCRA protection via Capitol One accounts. Capitol One continues to report late payments to credit bureaus affecting my credit worthiness while under the SCRA protection for activated soldiers and family.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NH)

I've been a chase sapphire preferred customer and have tried to use my benefits multiple times without success. 

I'm specifically supposed to get a {$50.00} hotel statement credit as well as trip interruption and baggage delay insurance. 

Chase and the 3rd party they've contracted, XXXX, have made using rewards and receiving the benefits prohibitively onerous to the point that they are not useful or attainable. 

The hotel credit must be redeemed through chase travel directly which prices hotels above that which can be booked directly from the hotel and 3rd party websites making the credit functionally uneconomical. 

XXXX is significantly worse than chase. They stonewall and delay at every turn in attempt to frustrate and deny claims. Their agents don't have the ability to make decisions regarding claims and the adjusters are unreachable and don't return calls even when promised. I've had XXXX flight delays and lost baggage which are all supposed to be covered expenses and have been left in the lurch and with the bills to pay without any kind of support. Despite verifying over the phone what expenses would be covered and my plan to mitigate costs in these situations eclaimsline continues to deny my claims and drag out my case. Chase who contracts eclaomsline has refused or is unable to help. I am now out ~ {$500.00} for expenses that should have been paid for by my insurance. 

The time and effort wasted to get these benefits is difficult enough, but to then be charged a {$95.00} annual fee on top of that for benefits I can't use is unforgivable. I have asked chase to refund my fee or at least administer the benefits I am owed, but I was instead rebuffed. 

I hope this complaint is able to help any current or future chase customers and that the bank will do the right thing and help me resolve these issues.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America put on hold on my deceased father 's checking account on XX/XX/year> with no communication on why. XX/XX/XXXX I find letters from Bank of America XXXX XXXX in my Father 's mail box regarding the hold on his account. On XX/XX/XXXX I faxed them all the documents they wanted. It is now XX/XX/year> and I haven't heard a thing. I call their XXXX XXXX and they rudely tell me I completed the forms incorrectly. No where does it state that I have to get my signature notarized after 40 days from date of death. Yet that's what they claim I needed to have done but no where does it say that. You are just supposed to know.Then they sent the forms and correspondence describing problem to my wrong mailing address even though I gave them the correct address on the original forms. It took them 13 days to even look at the forms I sent over XXXX on the XXXX. They will not email new forms. Now the burden is on me to run around trying to get new forms and a new notary. It seems they just want to hold onto to funds that do not belong to them. They have horrible customer service, poor or nonexistent communication skills and are the worst Bank that has ever existed in the United States.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Dear Sir or Madam : I am a victim of identity theft, all these fraudulent inquiries that is on my credit report and account do not belong to me, I NEVER GAVE ANYONE PERMISSION TO RUN MY CREDIT AT ANY TIMES! this was Not authorize by me and I am requesting that this information to be remove immediately and block pursuant to section 605B of The Fair Credit Reporting Act, Im request that these inquiries be remove ASAP. Thanks XXXX XXXX XXXX XXXXXX/XX/year> {$280.00} A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, Thanks, XXXX XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Current Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am sending this complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of XXXX days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that need to be removed from my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Dear Sir/Madam, I am writing to formally lodge a complaint against Bank of America regarding their recent actions, which I believe to be retaliatory and detrimental to my credit restoration efforts. Below, I have outlined the events and concerns in detail : XXXX. Submission of Complaint : On XX/XX/year>, I submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding issues I have been facing with Bank of America 's practices related to my credit. 
XXXX. Bank of Americas Response : On XX/XX/year>, Bank of America contacted me to acknowledge that they had received the complaint. 
XXXX. Unauthorized Withdrawal : On XX/XX/year>, Bank of America withdrew {$1100.00} from my bank account without my knowledge or consent. This unauthorized withdrawal appears to be in direct retaliation to the complaint I submitted. 
This unauthorized action by Bank of America has had several significant impacts : Financial Disruption : The unexpected withdrawal of {$1100.00} has jeopardized other scheduled bank drafts, causing potential overdrafts and additional financial stress. 
Lack of Communication : Bank of America did not inform me of their intention to withdraw these funds, exacerbating the situation and demonstrating a lack of transparency and communication. 
Retaliatory Nature : The timing and nature of this withdrawal suggest that it was retaliatory, stemming from my complaint to the CFPB. This raises serious concerns about the bank 's commitment to ethical practices and accountability. 
Additionally, Bank of America has consistently failed to take responsibility for the inaccurate information reported by credit bureaus. Their refusal to address these inaccuracies continues to harm my credit standing and overall financial health. 
I urge the CFPB to investigate this matter thoroughly. It is crucial to ensure that financial institutions adhere to fair practices and do not engage in retaliatory actions against consumers who exercise their right to submit complaints. 
Please find attached all relevant documents, including a copy of my initial complaint, Bank of America 's response, and evidence of the unauthorized withdrawal from my account. 
Thank you for your attention to this serious matter. I look forward to a prompt and just resolution.
Consumer complaint received 2024-06-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Dear Sir/Madam, I am writing to formally lodge a complaint against Bank of America regarding their recent actions, which I believe to be retaliatory and detrimental to my credit restoration efforts. Below, I have outlined the events and concerns in detail : 1. Submission of Complaint : On XX/XX/2024, I submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding issues I have been facing with Bank of America 's practices related to my credit. 
2. Bank of Americas Response : On XX/XX/2024, Bank of America contacted me to acknowledge that they had received the complaint. 
3. Unauthorized Withdrawal : On XX/XX/2024, Bank of America withdrew {$1100.00} from my bank account without my knowledge or consent. This unauthorized withdrawal appears to be in direct retaliation to the complaint I submitted. 

This unauthorized action by Bank of America has had several significant impacts : Financial Disruption : The unexpected withdrawal of {$1100.00} has jeopardized other scheduled bank drafts, causing potential overdrafts and additional financial stress. 
Lack of Communication : Bank of America did not inform me of their intention to withdraw these funds, exacerbating the situation and demonstrating a lack of transparency and communication. 
Retaliatory Nature : The timing and nature of this withdrawal suggest that it was retaliatory, stemming from my complaint to the CFPB. This raises serious concerns about the bank 's commitment to ethical practices and accountability. 

Additionally, Bank of America has consistently failed to take responsibility for the inaccurate information reported by credit bureaus. Their refusal to address these inaccuracies continues to harm my credit standing and overall financial health. 
I urge the CFPB to investigate this matter thoroughly. It is crucial to ensure that financial institutions adhere to fair practices and do not engage in retaliatory actions against consumers who exercise their right to submit complaints. 

Please find attached all relevant documents, including a copy of my initial complaint, Bank of America 's response, and evidence of the unauthorized withdrawal from my account. 

Thank you for your attention to this serious matter. I look forward to a prompt and just resolution.
Consumer complaint received 2024-07-10
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. (NV)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-11-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: LendingPoint Holdings LLC (GA)

Dear XXXX XXXX XXXX LENDINGPOINT XXXX XXXX, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from LENDINGPOINT. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon XXXX ( XXXX ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing Trust instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

The " date of opened '' is reported differently with each bureau. Also the " date of last reported '' " last payment '' and " last active '' are not the same for each bureau. That is a violation of the Fair Credit Reporting Act 602. Congressional findings an XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-06-03
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX According to 15 U.S. Code 1681c-2 and the FCRA 605B, all of this information must be blocked immediately from the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been well past that timeframe and you are in violation of these laws because I am a victim of identity theft. Please delete these items immediately until the investigation is completed as they are in violation.

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach along with identity theft. All of this is being investigated by the FTC. These accounts should not be furnished on my consumer credit report because they are in violation. Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report ANYTHING on my consumer report which directly violates my rights as a federal protected consumer. NO CONSENT is identity theft. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
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 want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

So last year I received a notice in the mail stating my information was compromised in a data breach.. I didnt think anything of it well fast forward to now I have 3 affirm accounts on my credit report that I did not open and Ive tried numerous times to get this issue resolved.. being that the person had all of my info the company is stating that its valid Ive worked really hard to get my credit where it is and this data breach has been a nightmare Ive sent police report and identity theft reports to the company and they are still choosing to ignore my request. Ive taken the proper steps to put fraud alerts on my credit report and I am now requesting you all to remove this fraudulent accounts off my credit report as the other 2 bureau 's have
Consumer complaint received 2024-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2024-06-03
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)

I am once again filing a complaint against XXXX ( XXXX XXXX XXXX XXXX XXXX ) regarding the improper handling of my student loan account and the inaccuracies reported to all my credit bureaus. 

According to my XXXX credit report, my student loan account with XXXX is marked as closed and paid off. Despite this, I continue to receive statements from XXXX claiming that payments are still due. Additionally, other credit reporting agencies ( Experian and XXXX ) have not updated my reports to reflect the accurate status of the loan, causing potential harm to my credit standing. 

per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : it mandates that consumer reporting agencies must report accurate information. Despite my loan being paid off and closed as per XXXX, XXXX continues to report inaccurately to other bureaus, thereby violating provisions of the FCRA. 

Under FCRA, XXXX is responsible for correcting any inaccuracies once notified. My repeated efforts to rectify this issue have been ignored. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : False Representation, By sending me erroneous statements indicating outstanding balances for a paid-off account, XXXX has engaged in deceptive practices, violating the FDCPA. 

I have contacted XXXX to dispute the statements and requested a correction of their records to align with the paid-off status reported by XXXX. see attached correspondences. 

I have also filed disputes with Experian and XXXX to update their reports accurately.