davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have provided all XXXX pieces of information and expect these listed accounts to be deleted and blocked within XXXX business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within XXXX business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Account Number : XXXX Account name : XXXX  XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NJ)

I spent {$7700.00} at XXXX in XX/XX/2021 using my Citi XXXX  credit card, with a refund of {$1700.00} from the merchant on XX/XX/2021 ( the transaction details are attached ). The net amount I spent at XXXX was {$5900.00}. These transactions with XXXX qualified the 5 % cash back for the 4th quarter of XXXX  in total resulting in nearly {$300.00} cash rewards. The rewards was redeemed and the balance was 0. Now I have a negative balance ( - {$88.00} ) and was informed by Citi this was due to the refund from XXXX on XX/XX/2021. 
I have contacted Citi and requested a review of the cash dollars on a quarter basis. But the response insisted the negative rewards was caused by the XXXX return during the billing cycle, without considering the overall amount I spent at XXXX in the 4th quarter of XXXX. Apparently the claw-back of the XXXX  dollars is completely wrong because the overall net amount I spent at XXXX last quarter was {$5900.00}, which equals to {$290.00} cash back. I am very disappointed that Citi never takes customers request seriously and I dont think Citi is willing to resolve the issue.
Consumer complaint received 2024-05-30
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. (IL)

I have written many letters to XXXX informing them of this fraudulent account along with the police report, and they still continue to report this inaccurate information ; I had previously filed a CFPB complaint, and my mom had XXXX XXXXXXXX from every XXXX XXXX, and I had been in the hospital with her for about a month and was not able to respond to the response by the deadline. As the law states, please hold XXXX accountable and ensure they report accurately.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WI)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2019-10-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (TX)

I have called PNC bank over the years and they state that their company policy is they will never send paper copies of mortgage statements. I am trying to refinance another loan and I need a statement but PNC is refusing. to compound the problems I have tried logging into pnc.com to get a statement but it has not been working for a month. Their help desk is refusing to do anything to assist me with getting my loan information
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (AR)

Someone has accessed my information on all of my credit cards. Then made large payments that were returned. I have told all companies repeatedly that I use 1 bank and only 1 bank. Several charges were in other states, debit cards obtained, loan applications and many other things.
Consumer complaint received 2024-06-15
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)

I am using my report to challenge and investigate these wrongly reported accounts on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report on my credit file. I understand that FCRA 605B mandates reporting any incorrect accounts appearing on a consumer 's report.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b 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 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Edd Debit card Transaction Details. Claim Number : XXXX XX/XX/23 BANK OF AMERICA {$2900.00} XX/XX/23 BANK OF AMERICA {$3000.00} XX/XX/23 BANK OF AMERICA {$590.00} Total amount tranffered out my account was {$6500.00} I filled a police report and faxed you guys the police report. I would like my money back please. Last four social is XXXX
Consumer complaint received 2023-11-01
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. (CA)

Reached out to XXXX XXXX XXXX XXXX regarding the validity of the debt, but they did not provide any. I am the person making this complaint & I give CFPB authority to investigate this claim. As I am looking over my credit report, this account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge off and update the balance to { {$0.00} } or delete the negative payment status on this account.
Consumer complaint received 2024-06-15
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. (CA)

THIS ACCOUNT REPORTS DIFFERENT INFORMATION IN THE AGENCIES WHERE THE ACCOUNT IS REPORTED, IT IS ALSO NOT REPORTED IN THE XXXX CREDIT AGENCIES, ALSO INFORMATION SUCH AS THE LAST PAYMENT DATE, THE LAST VERIFICATION DATE, AMONG OTHERS, DOES NOT MATCH, PLEASE REQUEST TO DELETE IT IMMEDIATELY, FROM MY CREDIT HISTORY IN THE XXXX AGENCIES.
Consumer complaint received 2024-05-30
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. (IL)

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b. 

XXXX. XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b. 

XXXX. XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b. 

XXXX. XXXX XXXX XXXX XXXX  - XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b. 

XXXX. XXXXXXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b.
Consumer complaint received 2024-06-15
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. 

XXXX XXXX. XXXX ( 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 informationisinaccurate.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (OR)

I am writing to file a complaint against JP Morgan Chase & Co. On XX/XX/XXXX I purchased two round trip plane tickets from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX on XXXX XXXX through the Chase Ultimate Rewards Travel Center XXXX On XX/XX/XXXX I called the Chase Travel Help Desk to confirm that there were no issues with our flight reservation. A customer service representative ( CSR ) reviewed my reservation while I was on the phone and assured me that there were no issues with my flight, and that my reservation was confirmed. That evening ( XX/XX/XXXX ) we arrived at the airport to find that the flight ( operated by XXXX ) did not exist. There were no XXXX flights scheduled to fly out of XXXX that night. 
On XX/XX/XXXX I spent over XXXX hours on the phone with the Chase Travel Help Desk and XXXX customer service trying to figure out what had happened and how to proceed. The XXXX CSR let me know that XXXX no longer offered the XXXX  XXXX  XXXX had booked, and that they had alerted Chase of this schedule change in XXXX of XXXX. I was never notified about any changes to my flight reservation, nor was I issued a refund. 
The Chase CSR ( XXXX XXXX ) assured me that the only way to resolve this issue was for me to give authorization to cancel the XXXX trip reservation, then purchase XXXX new tickets through the Chase Ultimate Rewards travel portal. The new tickets were XXXX XXXXXXXX and cost {$1800.00}, more than twice what I originally paid for the flight since I had to purchase them only XXXX day in advance. He assured me that I would be refunded my original ticket price ( {$590.00} ), plus the difference between what I paid for the original flight and the new flight ( {$640.00} ) within 8 weeks. I have a personal recording of this phone call. 
On XX/XX/XXXX I was refunded $ XXXX the price of the original tickets. I have called multiple times over the last few months for updates, but most recently on XX/XX/XXXX I called XXXXhase Travel. They let me know that my ticket was pending review by the accounting department, and that he could not give me a time estimate for when I would hear from them. 
It has now been more than six months, and I have still not received the refund of {$640.00} which I was promised. Additionally, I suspect that throughout this process I have been given fake email addresses and names, intentionally hung up on, not called back, and forced to hold for long periods. These tactics make it time consuming, confusing and hard to follow up with customer service issues. Chases customer service is unethical, predatory and represents bad business practices that should be investigated further.
Consumer complaint received 2024-05-30
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. (IL)

Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information Hey Experian, To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify having permissible purpose of. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports : You can not furnish information unless you have my written permission.

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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

If you have documents containing my WRITTEN INSTRUCTIONS then show proof otherwise delete this information immediately.

Please send an updated copy of my credit report to me via the CFPB portal. According to the act 5 U.S.C. Sec. 1681i ( a ), there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 12 months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-15
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.

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 informationisinaccurate.
Consumer complaint received 2024-06-15
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. (PA)

In response to a few problems I've had with the credit bureau, I'm writing to voice my concerns. Among these problems include irregular billing, wrong credit reporting, several fraudulent queries, false account listings, and accounts that are not mine.
Consumer complaint received 2019-10-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: American First Finance, Inc. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that AMER FST FIN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-03-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Frontline Asset Strategies, LLC (PA)

I have been repeatedly been receiving phone calls from XXXX which I believe is Frontline Asset Strategies. The only reason why I know this is because I called back that number and that is what the recorded message says. Every time they call, they ask for someone named XXXX or XXXX. When I ask what company they are calling from, they will simply give their name. They will not identify who they are calling from. Regardless, they have the wrong phone number. I do not know this XXXX person they are calling about. I have told them numerous times that they have the wrong number and to stop calling. Yet, they still call, sometimes multiple times per day. I have now blocked the number. However, I felt it was concerning that when specifically asked what company they are calling from, the caller will not identify and will only provide his or her name.
Consumer complaint received 2024-07-10
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. (MD)

I've made repeated efforts to address the issue of unauthorized inquiries on my consumer report without success. These inquiries have no connection to me, and I am not accountable for them. Their presence has resulted in severe emotional and financial strain. As an identity theft victim, I may be compelled to pursue legal recourse if this issue isn't resolved appropriately. These false and fraudulent entries have obstructed my plans to purchase a home and meet my family 's financial obligations, significantly impacting my economic stability. I've included a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this matter for your reference.
Consumer complaint received 2023-06-24
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. (GA)

In accordance with the fair credit reporting act XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 2 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.