davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

My checking account and savings account were drained on XX/XX/2023 by 6 different atm transactions. 4 transactions on checking account. 
2 at {$400.00} 1 at {$200.00} 1 at {$100.00} Using 2 different atms 2 transactions on my savings account. 
1 at XXXX 1 at XXXX Using 2 different atms At the same time I was aware of the withdrawals, I found through email that a new card had been requested 1 day prior, which I did not request. I called the bank immediately to report the card request and the fraudulent withdrawals. I did not make any of these withdrawals nor did I give my card or pin to anyone. 
The bank has decided that since my pin was used at the atm that the withdrawals were not fraudulent. They said I probably gave my card to someone to do this which is completely offensive. I am a single mother of XXXX and now I can not pay my bills. The bank has refused to reopen the claim and said there is nothing they can or will do. This is with Chase Bank. I waited 12 days after making the claim just to be accused of being the one who is fraudulent and to be told they will not help me.
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. (HI)

I am writing to address a concerning issue regarding my credit report. Upon careful review, I have identified several instances of late payments that are inaccurately recorded on my credit history and I would like to dispute these erroneous information. I strongly believe there is an error in the reporting of these late payments, as I have consistently made timely payments for the mentioned account. I also called the bank and they said they would correct and update the account. I kindly request your assistance in investigating this matter and, if warranted, correcting the information on my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-20
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: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

This account was disputed with the FCRA. It was agreed to with the original creditor that this would be removed from my credit profile, but it still has not been removed yet to date and this is greatly impacting my credit score and future ability to open credit. This account MUST be removed immediately as it was incorrectly reported onto my profile.
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX
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)

I am a victim of identity theft- on XX/XX/XXXX or XXXX someone used the drivers license from my stolen wallet to get an over $ XXXX auto loan to finance the purchase of a car from XXXX and register it under my name. Naturally, they haven't paid the loan, which is still on my credit. I filed a police report ( XXXX with XXXX XXXX XXXX XXXX, FTC identity theft report ( XXXX - attached ), a California XXXX fraud report ( XXXX ), and initiated investigations to remove the fraudulent installment account at Equifax and XXXX. 

On XX/XX/XXXX I received a letter from Equifax dated XX/XX/XXXX stating the following about the XXXX XXXX XXXX installment account : " THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. '' That same day, I checked my Equifax consumer report, and I see the disputed items still being reported. 

Regarding the several inquiries that were fraudulently made for car loans, Equifax refused to remove them, stating " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS ''. These inquiries were the fraudulent result of identity theft, and I provided the information to Equifax to demonstrate this. It's hard enough dealing with identity theft, Equifax is actively making my life more worse. 

These are violations of XXXX5 USC 1681c-2 ( a ) for refusing to block information resulting from identity theft, 15 USC 1681b ( a ) ( 2 ) for furnishing a consumer report in accordance with the written instructions of the consumer to whom it relates, 15 USC 1681e ( b ) for failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, and 15 USC 1681n ( a ) for willful non compliance of deleting unauthorized items from my consumer report. 

XXXX, which wrote this fraudulent loan and sold the car, has also been useless. Despite promisingly to diligently investigate this fraud, instead they just began sending me billing statements for the fraudulent and increasingly delinquent account. Their bill was sent on XX/XX/XXXX, after I initiated the investigation.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. This is the second time I am reaching out to address these errors, and it is disheartening to see that my initial concerns have not been adequately addressed. Upon reviewing my credit report, I have identified incorrect late payment entries that require immediate rectification. The following accounts have been incorrectly reported with late payments : XXXX XXXX Account numberXXXX  Date opened : XX/XX/2021 It is imperative that you take prompt action to rectify these errors and remove the inaccurate late payment information from my credit report.
Consumer complaint received 2024-07-05
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX Balance : {$0.00}
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. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX 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 Balance : {$23000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-24
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXXXXXX 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
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2024-05-24
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)

PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OR)

I am writing to formally dispute the continued presence of unverified items on my credit report. Despite my previous two written requests, the unverified items listed below remain on my credit report in violation of Federal Law. In your responses to my dispute letters, you stated that you have verified that these items are accurate. However, you failed to send me copies of the documents used to verify these accounts, as requested. 

The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts as you claimed. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.

Based on the following case law, child support accounts are not credit transactions and should be treated as judgments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Case : No. XXXX, XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : XXXX Date : XX/XX/XXXX Court : XXXXXXXX XXXX XXXXXXXX XXXX vs. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX al XXXX Case : XXXX C XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX These cases indicate that child support accounts should not be reported as credit transactions. According to these rulings, unless advised otherwise, Equifax must comply with this legal interpretation. 


Equifax has specific guidelines regarding the inclusion of certain items on credit reports. For instance, tax liens are no longer included in credit reports as of XX/XX/XXXX, thanks to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) implemented by the three major credit bureaus. However, when it comes to delinquent child support debt, judgments, fines, or liens, XXXX allows collection purposes only under specific conditions : 1. **Court Order** : You must have a court order authorizing a consumer reporting agency to provide a consumer report. 
XXXX. **Consumer Authorization** : Alternatively, you need written authorization from the debtor to obtain a consumer report. 
XXXX. **Credit Transaction** : Some type of contractual agreement with the consumer that rises to the level of a credit transaction under the law. 

Given that Equifax has failed to follow its own guidelines, I am requesting the immediate deletion of the following unverified item from my credit report : - **Account Name** : DEPT OF JUSTICE XXXX XXXX XXXX XXXXAccount Numbers** : # XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX If the above-mentioned items are not removed from my credit report within 30 days of receipt of this letter, I will have no choice but to pursue all available legal remedies to enforce my rights under the Fair Credit Reporting Act with the XXXX XXXX XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-23
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)

XXXX XXXX, XXXX ACCOUNT # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States.

12 CFR PART 1026.11 ( a ) CREDIT BALANCES. when a credit balance in excess of one dollar is created on a credit account ( through transmittal of funds to a creditor and access of the total balance due on an account, the rebates of unearned finances charges, or insurance premiums, or through amounts, otherwise two or held for the benefits of the consumer ), the creditor shall : 1. Credit the amount of the credit balance to the consumers account.

2. Refund any part of the remaining credit balance within seven business days from receipt of a return request from the consumer.

3. make a good faith effort to refund to the consumer by cash, check or money order or credit to a deposit account of the consumer. Any part of the credit balance remaining in the account for more than six months no further action is required if the consumer current location is not known to the creditor and can not be trace through the consumers last known address or telephone number.

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Consumer complaint received 2024-06-25
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have a credit card with Capital One. XXXX charges it once a year for XXXX XXXX. My wife signed up for it several years ago, but she XXXX XXXX XXXX year 's ago. I was finally able to get through to XXXX last year and they assured me that no future charges would be forthcoming. Yet on XX/XX/XXXX of this year they charged me once again. I have made repeated efforts to contact XXXX both by phone and by their web page, following their instructions. However, they have set up things so that there is not option to cancel the service, and they automatically hang up on you when you call their help line, or thier XXXX XXXX headquarters. You should try it, and you will see exactly what I mean. it is like a boilerhouse operation. They should be ashamed of themselves. I am so disappointed that a major U.S. based company behaves like this.
Consumer complaint received 2024-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

In XX/XX/XXXX, I received an email from MOHELA regarding my student loans and a forbearance that was placed in the fall of XXXX for all loan holders. It appeared as though a payment had been processed from my bank account to my student loan account despite that forbearance supposed to have been in place. XXXX reported they were required to offer a refund to the original pay source or to use that fund as a credit towards a future payment and that the customer needed you either write a request and send it in or call and request their preference. I did write a request and fax it electronically and receive confirmation back, and then about a week or two later, I received a letter in the mail from MOHELA indicating they had received my fax, but were now also requiring me to call in in addition to my fax to have the conversation to initiate the refund. I did call and I made the verbal request in XXXX at which time they said they prompted the refund process which would take up to XXXX days. And the month of XX/XX/XXXX a new forbearance was placed on all MOHELA accounts due to the circuit courts placing a stay on the save plan. And I had made a payment in the month of XXXX and wanted to get a refund of that as well so I called in to request a refund on that On XX/XX/XXXX or XX/XX/XXXX of XXXX. At that time, I did go ahead and request an update on the previous refund request mentioned above, and was told that due to a MOHELA system platform update. All request for refunds had been wiped out and despite them not notifying any of the customers that request would have to happen again, the fall XXXX refund request. This was obviously annoying, but I made the request again for the previous payment of XXXX and something dollars from the end of XXXX in addition to the new request for the $ XXXX XX/XX/XXXX. Phone call with XXXX fast-forward to the middle of XXXX and I went ahead and called back to double check on the status of both of these request and was told that it would take up to XXXX days business days to be refunded. I reminded the new customer service member XXXX that XXXX had told me to take XXXX to XXXX days and so she reached out to her supervisor who reconfirmed to her. It would be no less than XXXX business days, but within XXXX business days before either of these refunds could occur. I did confirm with XXXX that she could see the initial fact I had sent in back at the end of XXXX early XX/XX/XXXX regarding the fall XXXX overpayment and the phone call in regarding that same request at MOHELA letter, I received in the mail request to call anyways, despite receiving my fax, and she could see the call with XXXX, but still, they were not honoring any of those requests for my refunds
Consumer complaint received 2024-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BARCLAYS BANK DELAWARE (CA)

XXXX weeks ago I moved {$1000.00} from Barclays to XXXX as a test, directed from XXXX. That was successful. I then tried larger amount XXXX and ran into a limit. 
I then tried to push {$1000.00} from Barclays to XXXX and it failed. 
I unregistered the XXXX  account from Barclays and attempted to create the link again. The small micro transactions never arrived. I called Barclays and they summoned XXXX and had them BOTH on the phone to create the transfer account without the micro transactions. I am smelling fraud now. Still I cant transfer fund to XXXX, the rejection reason states " Unable to locate ext bank account ''. 

I had XXXX and Barclays on the phone to set this transfer account up. Still fails. 

So now I want to exit Barclays, as they can not find the reason. XXXX says NO transfers have been initiated so none rejected. This is all on Barclays hands. This account has XXXX and I want it back. 

They say they can XXXX me a check in 10 days thats too long to wait for more fraud. 
I want these funds transfered and BarclaysUS can not seem to find a way. I tested transfers to XXXX 2 years ago when I set Barclays up, but not large sums. 

Please help me, I want to exit Barclays and they cant seem to send even {$100.00} to my XXXX  account.