davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
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 am writing to follow up on my previous dispute regarding a fraudulent account that is still erroneously reporting on my credit report. Despite my efforts to rectify this matter, the fraudulent account remains unresolved and continues to negatively impact my credit score. 

As I stated in my initial dispute letter dated XX/XX/2024 I have never opened or authorized the account in question. I have taken all necessary steps to report the fraud to the appropriate authorities, including notifying the creditor in question of the fraudulent activity. 

It is disheartening to see that the fraudulent account is still present on my credit report, as it has caused significant distress and financial hardship for me. This inaccurate information has affected my ability to obtain credit, secure loans, and even impacted my employment prospects.
Consumer complaint received 2024-05-29
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-05-29
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. (GA)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and XXXX XXXXXXXX.
Consumer complaint received 2024-05-29
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. (CA)

After examining my latest credit report, I've identified inconsistencies that demand urgent action, especially concerning this account : XXXX XXXX XXXXXXXX. 

The company has acknowledged this errors and committed to updating the status to open/never late. Other credit bureaus have already rectified the status of this account after the company acknowledged the inaccuracies.
Consumer complaint received 2024-06-13
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

I am writing to formally dispute the inaccurate reporting of the XXXX account ( # XXXX ) on my credit reports with Experian, XXXX XXXX and XXXX. The discrepancies in reporting between the credit bureaus are significant and require immediate correction or removal of this account from my credit reports. 

Inaccuracies Identified XXXX. High Credit : Experian : {$670.00} XXXX : {$0.00} XXXX : {$670.00} 2. Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : Experian, XXXX, and XXXX : XX/XX/XXXX These discrepancies, particularly concerning the high credit and date last active, indicate inaccuracies in the information being reported by each bureau. 

Violations and Impact The inconsistencies in the reported information violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Such inaccuracies can negatively impact my credit score and financial standing, potentially leading to denials of credit or other financial difficulties.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

It is unacceptable to check my credit report and find all these violations. 

Remove all fraudulent and inaccurate account from my credit report. 
Block any information resulting from identity theft, as required by FCRA. 

I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to legal remedies available under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Someone hacked into my Capital One bank account over a period of 2 weeks between XX/XX/2023 and XX/XX/2023 ( multiple times ) and transferred money from savings to checking and then went ahead and took out {$1600.00} in multiple transactions starting XX/XX/XXXX from my checking account to XXXX and XXXX 
When I found out about this, I started a claim with Capital One to investigate and catch this person. They started an investigation but on XX/XX/XXXX, they closed the claim stating that the charges were valid. I doubt they investigated it properly because I have no information on these charges at all. So someone either bought stuff or transferred these funds without my knowledge to their account. Either way if someone looked into it and saw the IP address from where these logins were done, they would realize my account was hacked and since I don't recognize the person who got the money through XXXX, they should report the scamster. If something was purchased, then they should follow the trail and see if something was purchased then what address did it go to? Once they look into this, they will realize that this was a complete fraud.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On Saturday, XX/XX/2023, I was shopping online for a XXXX XXXX. I ran across a website that had what appeared to be a very good deal and got in touch with the seller via email. They asked me to make two payments for the puppy. One to sign the ownership documents, and the second to ship the puppy. Both transactions were for {$490.00} to XXXX XXXX. I was then put in contact with the " shipping company '' that would be handling my delivery, but was told I had to pay certain fees to secure my puppy 's travel across state borders. They asked me to make three money transfers and emailed me a document assuring me of a refund for my expenses. The transactions were for {$780.00} and {$760.00} to XXXX XXXX and {$660.00} to XXXX XXXX. They also provided me with a shipping URL and tracking number that appeared reliable. It was not until they demanded {$700.00} more for a supposed dog passport that I began to feel suspicious. With my family 's advice, I contacted my bank and informed them I believed I was being scammed and asked to have all transfers cancelled, to which they informed me they could not cancel a pending transfer but would place them on hold. They put all XXXX transfers for that day on hold, including the one I sent to my father for {$50.00} earlier that day, but I did not mind. They also mentioned they could not guarantee they would retrieve my money. The following day, I contacted the seller again and stated that I did not want to proceed with the process and that I wanted a refund for the full price of the puppy and the fees. To which, no surprise, they disconnected. I was not aware puppy scams existed until then and felt devastated for being so naive. What made matters worse was that, days later, when my husband called for an update to our case, the bank said since we had authorized the transactions, there was nothing they could do ; however, the {$50.00} on my father 's account still appears on hold to this day and were discounted instantly. I now know about Federal Law " Electronic Fund Transfer Act '' and that Regulation E states that if one is induced into transferring money, even if one technically agreed to it, the bank should reimburse the money, hence why I am seeking help in hopes of retrieving the lost funds. I have also reported the website so hopefully it will get taken down.
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a XXXX bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2023-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My friends phone was hacked and an impersonator contacted me via XXXX requesting {$2000.00} to help my friend in the hospital. I made XXXX different transactions from XX/XX/2023 to XX/XX/2023. All transactions added up to {$2000.00}. I later found out that my friend had never requested this money and I was the victim of a scam. I went to file a complaint with my bank XXXX Bank of America ) but they havent given me further information. I made the transaction via XXXX and was given ( by the scammer ) the following email address : XXXX I have blocked the number and have filed a complaint with my bank. I am XXXX XXXX XXXX and on a limited income. 

I appreciate your help.
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MN)

Chase has mishandled this case. They allowed XXXX to take XXXX out of my debit card and have failed to reverse it to my account. A complaint was filed with Chase but Chase failed again to properly credit my account. I had XXXX enter my computer remotely to repair XXXX XXXX. The tech claimed he had to remove it and replace it to fix the problem. He removed it and left the computer and never returned. I was left stranded without the word program during the midst of my workday. I emailed repeatedly to XXXX and they even used the tech 's name but then failed to respond to the emails. I then was directed to the XXXX store and began a chat explaining the problem. The Chat directed me to download a particular office program and I had to enter my card but they promised XXXX would credit it. 

They charged approximately {$75.00}, {$8.00}. and {$100.00} to the debit card. Chase then credited the charges and then reapplied just the charge for {$100.00}. .Chase gave me numbers for microsoft and I had already tried those same phone numbers and they have not worked for the past three months. 

There is no means of getting a live person at XXXX to credit my account. I have written multiple emails to which they fail to respond. This is the ressponsibility of chase to credit my account. chase tried to get out of it and continuously directs me to XXXX. 

It is time Chase began to assist their account holders and provide them just credit.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (AL)

I'm not sure if this is the lender 's fault or XXXX XXXX, but between XXXX XX/XX/15 Dept. of ED / NelNet account was removed, then My balance increased. This has always been an open account and it's been paused do the pandemic. All I know is it caused me XXXX points on my credit report. I want my score fixed, I've been working too hard to rebuild my credit and all of sudden someone made a mistake and caused me XXXX. That's not fair nor right, there should have never been an adjustment made. Should have never touched the account. Also I've tried calling NelNet and it keeps ringing. I can't get ahold of no one.
Consumer complaint received 2024-05-28
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. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-28
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-28
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: EQUIFAX, INC. (MA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (FL)

Hi this complaint is regarding my Macys credit card. I made a phone call ref # XXXX the day before a 12month furniture purchase promotion expires to either # 1 request an extension for more time on the promotion # 2 Pay off my due balance on the furniture so I don't get charge an interest on my account. After my inquiry I was offer an additional 6 months of promotion to pay off my balance. At that time I made a XXXX payment ref # XXXX to start paying off my balance to pay off in 6 months as agreed. the representative explained it might take up to 72 hours I let a few weeks go by to check back on my account to my surprise I had been charged the full amount of interest of XXXX and nothing had been done to my account. I called them right away on XX/XX/XXXX, after 50 minutes of speaking with different reps. I spoke with a supervisor named XXXX ID # XXXX who once again confirmed that my 6 months were approved and the charge of XXXX was charged by mistake and would now be given a credit on my account that can be applied to that interest charge of XXXX and to allow again 72 hours before resolved. Today is XX/XX/XXXX I called again being put through three different people, I was told that in fact the fist rep had made a mistake and asked for additional 18 months instead of 6 and the request was denied, this person who apparently is the head of the credit service department said he will correctly submit for 6 months, he made no promises or guaranteed that this will be resolved. I am very disappointed and feel as though Macys made false promises that made my credit score go down a few points because of credit increase, so # 1 it affected my credit score and # 2 it will now affect my finances since I am stock with a XXXX bill that wasn't supposed to happen.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (NJ)

In XXXX of 2023, I was traveling to XXXX and XXXX XXXX with my family. Per Schwab 's request, I added a travel notice for XXXX and the XXXX in advance. I was declined immediately upon trying to use the card. When I called, the representative blamed their third party ( not an excuse ), specifically Visa, for causing the issues. Took a long time on the phone to have this resolved. 

Fast forward, today is XX/XX/2023. I just spent 45 minutes trying to withdraw money from an ATM. After the first attempt, Schwab texted me to alert me of the blocked withdraw due to Fraud. That's reasonable. I texted back to confirm the transactions were in fact me. I try to withdraw money again - declined. I call Schwab and am able to once again, confirm this was me. I try a third time- declined. I call Schwab back and ONCE AGAIN confirm this was me. Now I try a fourth time- declined. This time, I called Schwab to discuss with a live rep. She verified my identity, and then put me on hold to contact the Visa team. She comes back and said Visa cleared it, let 's try again. Once again - declined. She puts me on another hold to talk to Visa. Visa comes back and blames the ATM and the card itself ( which is relatively new ). Try a different ATM- still isn't working. Doesn't seem to be the original ATM 's issue.

I've only had the card for a little over a month, and I've already spent hours trying to clear issues with them. Completely unfair and causing negative impacts to consumers.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I always pay on time, and I am certain of this. I am diligent about meeting my payment deadlines and have no doubts about it. My accounts should be updated to remove any late payment remarks from my credit report.