davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
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. (UT)

I'm disputing the inaccurate information furnished on my consumer report that your agency has provided to third parties. The presence of inaccurate information on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ) as specified in 15 USC 1681. The specific violations under the FCRA include 15 USC 1681 ( e ) ( b ) and 15 USC 1681s-2. I have thoroughly reviewed the consumer report that I obtained from your agency, and I have identified several items that are factually incorrect and detrimental to my creditworthiness. These inaccuracies have caused severe financial harm and have negatively impacted my ability to secure loans and credit on fair terms. The disputed information on my credit report is as follows : XXXX, Experian, XXXX, refuse to remove these inaccurate accounts, I've made numerous attempts and received mail stating Verified and Accurate How is this even possible to say your so called investigation is accurate and their aren't any account numbers to say theses accounts are accurate. This is fraudulent reporting A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, I am requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ).

Furthermore, as per 15 USC 1681s-2, I request that you promptly notify the data furnishers associated with the disputed information about my dispute. They are providing inaccurate information and under 15 USC 1681s-2 they are prohibited by law to furnish information that they know is in accurate or have reason to believe is in accurate. I demand that you conduct a comprehensive and impartial investigation within the time frame mandated by the FCRA, which is 30 days from the date of receipt of this dispute letter. Failure to adhere to this requirement will be regarded as a violation of federal law. 
Upon the completion of your investigation, I expect to receive a written report of the results, along with a copy of my updated credit report reflecting the necessary corrections or deletions. If your investigation reveals that any of the disputed information is inaccurate, incomplete, or unverifiable, you must take immediate action to rectify this matter in compliance with 15 USC 1681i ( 5 ). Additionally, I insist that you provide me with a written statement confirming that the inaccuracies have been corrected and that the updated credit report has been sent to all parties who have received my consumer report within the past two years. Please be advised that I am fully aware of my rights under the FCRA, and I am prepared to pursue all legal remedies available to me should you fail to comply with the law 's requirements.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: USCB, Inc. (CA)

XXXX XXXX XXXX XXXX  = this account was prepaid the card was Supposed to draft AUTOMATICALLY OUT of my account it NEVER did happen so i close this account XXXX THE BANK REPORT LATE PAYMENT AND on XXXX XXXX late i would like the bank to remove this this account is closed XXXX ) XXXX XXXX XXXX this was reported as late on XXXX & on XXXX XXXX & on XXXX XXXX XXXX on XXXX XXXX i would like to get the late payment remove XXXX ) XXXX XXXX THIS IS NOT ME REPORT ON XXXX XXXX FOR {$250.00} PLESE REMOVE ASAP XXXX ) USCB AMERICA = XXXX XXXX XXXX FOR MY XXXX XXXX  XXXX THIS IS AGAINST THE HIPAA LAW CAN NOT PUT THIS ON MY CREDIT TAKE THIS OFF MY REPORT 5 ) USCB AMERICA =MEDICAL {$370.00} THIS IS AFTERCARE XXXX  PLEASE TAKE THIS OFF MY CREDIT REPORT. XXXX
Consumer complaint received 2024-07-31
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: Experian Information Solutions Inc. (FL)

I received an online notification from Experian dated and generated on or about XX/XX/year>, with the report number XXXX regarding the reinvestigation of the following accounts below were validated, and updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  updated to what? NO ONE INCLUDING MYSELF IS ASKING FOR AN ACCOUNT TO BE UPDATED, I AM ASKING FOR VALIDATION, PROPER OWNERSHIP
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have been the victim of the Equifax data breach, XXXX XXXX XXXX XXXX leasing data breach. My information has been compromised I have noticed some more accounts and inquiries on my credit report that someone has opened that i have not AUTHORIZED. I have submitted an FTC report and I have a police report that i had obtained when i first noticed the identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-14
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)

I WROTE EACH COMPANY REQUESTING DOCUMENTATION SHOWING PROFF THESE ACCOUNTS BELONG TO ME.THESE ACCOUNTS WERE DONE FRAUDULENT. I WAS NEVER GIVEN PROOF SHOWING THESE ACCOUNTS BELONG TO ME BECAUSE MY DATE OF BIRTH AND MAILING ADDRESS IS INCORRECT. THEY ARE CONTINUING TO KEEP THESE ACCOUNTS ON MY CREDIT EVEN AFTER BEING NOTIFIED THEY DONE FRAUDULENTLY.
Consumer complaint received 2024-01-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: JPMORGAN CHASE & CO. (MA)

I was contacted by a company called XXXX XXXX XXXX who told me jp Morgan Chase Bank was suing me for credit card debt owed from 2006, the guy from XXXX said chase was alleging that I attempted to fraud them in some way and he said if I didn't pay him today they were going to sue me and press charges for fraud. I paid XXXXXXXX XXXX XXXX over the phone due to these threats. The debt is from Pa and is way past the statute of limitations, it's also way past the statute of limitations to file criminal charges too but I paid them because they threatened me and scared me. Im XXXX on XXXX fixed income too. I have also NEVER in my life had ANY accounts with jp Morgan Chase Bank so if this is a real account then it is identity fraud cause I've never had a chase account. I check all three of my credit bureau reports regularly and NEVER once over the years have I ever seen any accounts from Chase. Had I seen it listed as a bad debt collection report on any of my credit reports and saw it was from Chase I would've disputed the account as id fraud. I want to find out if it was illegal for them to make me pay them and if not how can I dispute the account as not mine and get back the money I paid them cause they were threatening civil and criminal charges against me?
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

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 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 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have XXXX credit cards with Bank of America- XXXX  and XXXX. 

I mistakenly made a {$600.00} payment to card ending XXXX, which caused an overpayment of {$600.00}. On XX/XX/2024, I called customer service and requested for that payment to be moved from card XXXX to card XXXX. However the representative stated to call back tomorrow since the payment is still pending. 

On XX/XX/2024, I called back and requested a refund of {$560.00} ( {$600.00} less a {$35.00} charge just made ) and was told that it takes XXXX business days. Note : I did request that BOA transfer the payment to XXXX but was told it would take XXXX billing cycles which didnt work for me. As a result, I requested a refund. 

Its been XXXX business days and BOA made the decision to not refund my money. 

My payment is from a known source and the bank account sourcing the payment has been used to make past payments on both accounts.
Consumer complaint received 2023-12-16
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. (MO)

Please investigate the accounts that are listed in this dispute. 

15 U.S.C 1681 section 602 A. State I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please remove this information from my credit file as these accounts does not belong to me and you are hurting my credit because of this.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (FL)

IHAVE BEEN WITH AMEX 32 YEARS. I HAVE NEVER HAD FRAUD OR ANY FRAUD. 
I HAVE NEVER MISSED PAYMENTS OR HAVE CREDIT ISSUES. MY CREDIT LINE IS {$11000.00} AND ALL OF THE SUDDEN I WANTED TO LINK SEVERAL BANK ACCOUNTS AND MY AMEX TO XXXX WITH OTHERS TO PLAN A TRIP. AMEX FLAGGED MY ACCOUNT. KEEP IN MIND THE MOST CREDIT I USED WAS ABOUT {$6400.00} I MAKE ALL REQUIRED PAYMENTS THEM I WAS HARRASSED WITH EMAILS AND CALLS ASKING ME FOR XXXX PAYMENT OR MY ACCOUNT WILL BE CLOSED. 
WHEN MY STATEMENT PAYMENT WAS COMPLETELY DIFFERENT. THIS WAS NOT A FRAUD EMAIL. IT CAME DIRECTLY FROM AMEX. MY ACCOUNT WAS FLAGGED TO CALL THE FRAUD DEPARTMENT. I EVEN HAD A PIN ON MY ACCOUNT AND NEVER HAD FRAUD ON ANY OF MY ACCOUNTS. THE AGENT I SPOKE TO WHEN CALLING STATED WE WILL CLEAR THIS UP AND ASKED ME SEVERAL QUESTIONS MY PIN WANTED MY FULL SOCIAL. BIRTH DATE, ETC. I BARELY USE THE CARD. I MADE ONE LARGE PURCHASE BACK IN XXXX. OF {$6000.00} AND HAD NO BALANCE PRIOR THAT. SHE INDICATED I NEED TO MAIL IN MY DRIVER LISC. DO I NEED TO STATE MORE THAN I SPEAK WITH XXXX WHO WAS LOOKING TO DEMEAN, XXXX, AND DECREASED MY CREDIT LINE AND STATED THERE IS A FRAUD CONCERN AND I AM A RISK, XXXX ID XXXX. THIS WAS ALL OVER LINKING MY ACCOUNT TO XXXX I AM A FRAUD AND RISK?? BLOCKED MY CREIDT LINE WAS REDUCED TO {$200.00} BLOCKED MY ACCOUNT. 
A LETTER WAS SENT SHORTLEY AFTER SPEAKING TO THIS WOMEN WHO CALLED ME A FRAUD AND A RISK. ITS UNBELIEVABLE. A LETTER FOLLWED HOURS LATER STATING MY XXXX CREDIT REPORT THAT I AM LATE PAYING CREDITORS. FALSE AND THAT MY PAYMENT HISTORY WITH MY CREDITORS AND I MAXED OUT MY CARDS. FALSE. I HAVE CARDS WITH XXXX LIMITS AND HAVE NOT USED THEM. THIS IS FALSE. MY CREDIT REPORT HAS REMAINED THE SAME AND ALL THE SUDDEN TODAY I AM A FRAUD AND CRETING RISK, UNSOUND BUSINESS PRACTICES AND WEAPONIZED ME AND REDUCED MY CREDIT LINE TO {$200.00}. IF I AM A FRAUD AND A RISK WHY NOT CLOSE THE ACCOUNT. THIS IS DANDGEROUS THAT A LOW LEVEL EMPLOYEE CAN DO THIS AND MAKE THIS DETERMINATION. I AM OBTAINING A CONSUMER LAWYER. I HAVE VERY GOOD CREDIT. I WILL NOT TOLERATE AND ITS CRIMINAL FOR THIS EMPOYEE TO XXXX I AM A FRAUD AND REDUCE MY CREDIT LIMIT. THIS PERSON IS DANGEROUS AND SHOULD BE FIRED.
Consumer complaint received 2024-05-18
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. (NY)

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. 

XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-05-14
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. (CA)

Pursuant to XXXX XXXX XXXX, I owe no debt ( XXXX ). 

My name is XXXX XXXX XXXX My name is NOT any of the following nor do I have any A.K.A. names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX Any other address is NOT associated with me, XXXX XXXX XXXX. 

I, XXXX XXXX XXXX, has never lived/resided at any of the following NON-MAILABLE addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act, the list of accounts below are INACCURATE, INCOMPLETE, UNFAIR, and has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX : # XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX : # XXXX XXXX XXXX XX/XX/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, are all are INACCURATE, INCOMPLETE, UNFAIR, and has violated my federally protected consumer rights. 

XXXX XXXX XXXXXX/XX/XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXXXX/XX/XXXXXXXX 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. 

XXXX XXXX. XXXX XX/XX/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. 

This company is violating my federally protected consumer rights to privacy pursuant to XXXX U.S.C XX/XX/XXXXwhich states, in accordance with the written instructions of the consumer to whom it relates ; this company also has NO permission to report ANYTHING using my information pursuant to XXXX U.S.C XXXX XXXX which states, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HAWAIIAN, INC. (GU)

Deposit made on XX/XX/22 for {$500.00} was placed on hold. The item cleared my bank on the same day XX/XX/22 as the routing # XXXX is the same. This is unfair and untimely hold notice and practice as the first {$220.00} was not made available. The notice was sent on XX/XX/22 for uncollected funds which they received on XX/XX/22. 

The account has never been overdrawn, the account has been opened for more than a year and previous checks from this account has been deposited and cleared. The amount of the check was only {$500.00}. The call center has heard of my complaint on the same issue months ago and still continues this practice.
Consumer complaint received 2024-07-31
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. (KY)

Subject : Dispute Regarding Failure to Remove Inaccurate Account Information in Violation of 15 U.S. Code 1681i ( 5 ) Dear XXXX I am writing to address the recent reinvestigation conducted by your agency regarding the inaccurate account information on my credit report that was not removed, despite clear evidence of its inaccuracies. This failure to delete the disputed account is a violation of 15 U.S. Code 1681i ( 5 ) under the Fair Credit Reporting Act. 
Account Information : XXXX XXXX XXXX  Creditor Name : XXXX, XXXX, EXPERIAN Account Number : XXXX Date : XX/XX/2023 Amount : XXXX I have previously submitted a dispute to your agency, providing documentation supporting the inaccuracies in the above-referenced account and requesting its removal from my credit report. Despite your reinvestigation, the inaccurate account remains on my credit report, which is a direct violation of the Fair Credit Reporting Act. 
As per 15 U.S. Code 1681i ( 5 ), if the reinvestigation does not resolve the dispute, the credit bureau must delete the disputed information within XXXX business days of completing the reinvestigation. The failure to adhere to this provision is unacceptable and has caused me financial harm and distress.

I am requesting an immediate correction to this violation, and that the inaccurate account information be promptly removed from my credit report in compliance with the law. Please provide me with written confirmation of the deletion of the disputed account and actions taken to rectify this violation.

I expect a prompt response within the required timeframe as mandated by law. Failure to comply with the Fair Credit Reporting Act may result in further action being taken.

Thank you for your attention to this matter. I look forward to a timely resolution and the removal of the inaccurate account information from my credit report.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Assistant Director of EnforcementConsumer Financial Protection Bureau1700 G. Street NWWashington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (AR)

On XX/XX/2023 i was in the market of purchasing a new home.. I pulled a my credit report and to my surprise there where a few Potentially Negative items on my report that should not be i reach out all credit company and credit bureaus so resolve the account but haven't had any luck... 

One is the XXXX XXXX XXXX  I been in dispute with for the pass couple of year do to an account that they have Charge off an the amount of $ XXXX account was written off.. IRS states charge off accounts means they wrote it off as a tax write off and took the loss.. Which its now consider income i never received a XXXX from them. This account is affecting my credit score.. 

Second on is THD/CBNA this account paid in full but it closed and also reporting negative on my credit report i have tried to remove this item several times in XXXX  i have contact all three credit bureaus and creditor.. 

Lastly XXXX XXXX XXXX i have no knowledge of this account i have reach out to creditor by letter asking for all documention that i have yet to receive i have disputed this with all three bureaus