davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I checked my credit score and it had a hard inquiry from Bank of America which it is effectively tampering with my score when I called to let the know what was going on they let me know like I knew I didnt have an account with them I have never contacted with them for any reason with that being said 15 USC 1681 the accuracy and fairness of credit reporting the information on my report is not accurate nor fair please removed the inquiry off my report as soon as possible or my next step will be to take legal action and file suite .
Consumer complaint received 2023-11-06
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. (TX)

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 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX Last XXXX SSN : XXXX To Whom It May Concern : I have reviewed my credit report and found there are several inaccurate information within my personal identification which you are reporting. I want to ensure you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right to update your reports with the information that I have listed below immediately. The addresses that you are reporting are not accurate.

To make your process of deletion easier, here is a list of my information in addition to the enclosed supporting documents. 

My First & Last name is as follows : XXXX XXXX Please remove any other names you are reporting that does not match. 

My current street address is as follows : XXXX XXXX XXXX XXXX, GA XXXX Please remove any other addresses that are previously reported. 

My date of birth is : XX/XX/XXXX Please remove any other dates or years you have listed. 

Please REMOVE ALL EMPLOYERS that you have listed as they are inaccurate. 

Name : XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Date of Birth : XX/XX/XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Sincerely, XXXX XXXX Enclosed : Photo ID, Proof of XXXX, Proof of Address
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I opened a Citizens Bank checking and savings account on XX/XX/2023. On XX/XX/XXXX, Citizens bank closed my account without giving me any reason leading to my direct deposit being returned and causing a host of other problems with other payers where I was intending to use my account. 

Citizens Bank has refused to provide any information on why my account was closed. They then sent me a letter to visit a branch and the branch went on to say that they can close any account at any time without any reason clearly alluding that we have the right to discriminate as and when we see fit - rules do not apply to us. 

After a few days of closing my accounts, Citizens Bank then went on to email me stating that my username/password has been compromised. After trying to deal with them over the phone while on XXXX XXXX, I was never able to figure out what happened until I reached home and learned that my accounts were unceremoniously closed. 

Over the last one month, I have tried to call the bank, reach out to the branch, but the bank has refused to assist me and reopen my accounts.
Consumer complaint received 2024-08-15
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. (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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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 2024-05-15
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)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-10-26
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. (AL)

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.

has violated my rights. Or list of inquiries 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 2023-06-22
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: Experian Information Solutions Inc. (PA)

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 XXXX XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Dear XXXX, I am writing to dispute a charge on my XXXX credit card for a rental car from XXXX. On XX/XX/2022, I rented a XXXX from the Enterprise location in XXXX XXXX, NJ. On the same day, I called XXXX to report that the car displayed a warning message that the brakes needed to be checked and that I should stop driving. The XXXX at the XXXX location said that they would give me a refund for the rental back on to my credit card, but they never did. I have called XXXX several times since then, but I have not been able to get a refund.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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


Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was divorced on XX/XX/2019. 

My ex spouse 's credit card debt is inaccurately appearing in my credit report and damaging my score currently. I was an authorized user during the marriage and I have been removed from those credit Cards for XXXX XXXX XXXX, XXXX and XXXX for over $ XXXX in debt to himself. 

This information is now fraud as this point and I want the credit bureaus to remove this immediately. I have contacted them and they have told me to submit additional information which is a stall tactic it help address the issue now. 

I will seek damages for FCRA on the state and federal level if I do not get this remedy. 

I can provide the Divorce Decree stating separation of credit.
Consumer complaint received 2023-08-26
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. (LA)

I am submitting another CFPB Complaint in response to the Credit Bureaus ' recent evaluation. I am committed to resolving these matters, which necessitate a focused approach to my personal credit report. I am frustrated and concerned about errors that continue to be reported on my credit profile. These inaccuracies lack clarity regarding their accuracy and completeness. At this juncture, I am solely focused on rectifying the issues with my personal credit report. I am disputing the remaining information that needs correction. XXXX XXXX XXXX : {$0.00} - I have been disputing the payment status of this account for months now, and yet you have not corrected this erroneous information. The payment status you report differs from the payment history presented. I am certain that I have never missed a single payment, and yet you report this account as being late. I have previously asked you to provide proof of the information you report, but you have not done so. I urgently need you to correct the payment status of this account as soon as possible.
Consumer complaint received 2020-09-22
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: Experian Information Solutions Inc. (VI)

Experian continues to report false information on my credit report that has not been verified to be true since they have never proven that those accounts belongs to me. I am hereby asking CFPB to ask Experian to send me the verification by providing the documents as required by law under the fair credit reporting act. Experian have failed consistently to follow the law by not showing me the proof that these accounts are truly mine. I am asking Experian to send me the verification like wet signature, copies of other documents as required by law to be reporting these items on my credit profile thats not true. Please send me the documents that would prove that these 3 accounts are mine, XXXX, XXXX and XXXX. I want to see the proof not a paper saying verified.
Consumer complaint received 2023-03-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The accounts listed below are inaccurate and incomplete. The presence of these accounts on my credit report is damaging and must be removed. I respectfully ask that this accounts be investigated and removed from my file.
Consumer complaint received 2024-03-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NC)

Since XXXX XXXX XXXX  I have made contact with Mohela several times about refunding the payments made during XXXX. SO far after 18 months of trying I have only received {$2700.00} and am still owed {$8700.00}. I have reached out to them by phone and email through the Mohela website and all I get told is that they will open a case file and review it in 90 days. Only they never email or inform me in any way the outcome of the case. The last time I spoke with them in XXXX XXXX XXXXXXXX I was informed that the case I made in XXXX of XXXX was closed and the refund was not issued. I had to open another case and wait another 90 days to receive the first refund payment. I have once again sent an email to them requesting the remaining amount be refunded. I will also be attempting to get through the phone system they have set up which does not allow you to speak to a human being but just goes around in circles telling you to select a different number.
Consumer complaint received 2023-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am submitting another CFPB Complaint in response to the Credit Bureaus ' recent evaluation. I am committed to resolving these matters, which necessitate a focused approach to my personal credit report. I am frustrated and concerned about errors that continue to be reported on my credit profile. These inaccuracies lack clarity regarding their accuracy and completeness. At this juncture, I am solely focused on rectifying the issues with my personal credit report. I am disputing the remaining information that needs correction. XXXX XXXX XXXX : {$0.00} - I have been disputing the payment status of this account for months now, and yet you have not corrected this erroneous information. The payment status you report differs from the payment history presented. I am certain that I have never missed a single payment, and yet you report this account as being late. I have previously asked you to provide proof of the information you report, but you have not done so. I urgently need you to correct the payment status of this account as soon as possible.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

One of my 4 credit card accounts with Chase Bank was compromised, and despite 20 plus attempts over the last year to resolve the issue with Chase, including closing the account, unauthorized charges from XXXX have continued to occur. 
The transaction history clearly shows that charges from www.rokoko.com have been repeatedly credited back to my account IN EXCESS OF 20 TIMES OVER THE PAST YEAR! indicating recognition of these transactions as fraudulent. However, Chase has failed to prevent further occurrences, leading to a cycle of fraud that has not only greatly inconvenienced me but now has also damaged my financial standing. 
Chase 's inability to effectively block these unauthorized charges even after I closed the account 6 months ago! and after a year of calling their fraud department and its decision to report my account as past due, despite the circumstances being communicated and acknowledged by their fraud and collections departments, demonstrates a significant lapse in their responsibility to protect customer interests and accurately report credit information.
Consumer complaint received 2023-08-26
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. (DE)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Greetings, i apply for a loan on XXXX with pay later with XXXX  for a video card that later was returned and never fully refunded by the merchant. 

Purchase price {$2200.00} Interest ( XXXX XXXX XXXX ) Loan ID XXXX XXXX Installment Loan On XXXX the loan Was paid fully even if there was a dispute bc of a refund that wasn't fully refunded. I dispute the charge as i wasn't fully refunded by XXXX and i ask XXXX to investigate. They told me after 2 weeks they couldn't do anything so i made the final payment on XX/XX/XXXX. 

On XXXX i was refunded somehow so i called and made a second payment bc XXXX  claimed that the payment of XX/XX/XXXX was refunded back so to avoid late payment i made another payment of XXXX for the second time on XXXX XXXXThe loan was paid off for the second time. 

On XXXX i was notified that my loan was charge off bc they never receive the payment of XXXX in switch i paid twice. Somehow XXXX  refunded both payment and no explanation was giving on why those payment were refunded twice. 

I paid again for the XXXX time in XXXX but they already reported as 90 day late. 

I try to reason with XXXX  telling them that i made those payment and that XXXX  refunded me for no reason and never sending any notification on those refunds. 

I made those payment in time on XXXX, XXXX and XXXX so the report of 90 days late payment are false and i asking for the late payment to be removed from my credit since the mistake was made by XXXX  which refunded me the payment twice without notify me. 

I'm adding email from XXXX  confirming the payment of the loan and bank statements were the loan was paid.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

XXXX XXXX XXXX XXXX XXXX has been reporting inaccurate information on my credit report for some years now and they refuse to corrected the inaccurate payment history. The reports has been creating hardship for me by causing me to pay higher interest rates on financial products or sometimes out right denial by financial institutions.
Consumer complaint received 2023-08-26
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. (VA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.