davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANKMOBILE TECHNOLOGIES, INC (ID)

On XX/XX/XXXX, I filed a dispute claim with my bank, T-Mobile MONEY ( " Accounts provided by Customer Bank '' | " Powered by XXXX '' XXXX XXXX, XXXX ) . It has now been ~240 days since the dispute has been filed and yet the bank has yet to provide a resolution. 

I tried calling them to attain a resolution, yet this has not been possible. My debit card is a MasterCard. [ If they filed it correctly ] it's Reason Code : XXXX ( Goods or Services Not Provided ) .XXXX XXXX representatives, " XXXX '' and " XXXX '', of the disputes department have openly admitted, on my most recent, recorded, call ( today, XX/XX/XXXX ) that they have broken MasterCard 's policy by not providing resolution within 180 days. Also, they mentioned that the XXXX, XXXX, has not responded to them at all. Furthermore, if I am understanding the law correctly, the " Fair Credit Billing Act of 1974 '' stipulates that they have 90 days to provide a resolution, which has NOT happened. 

The status of my dispute claim has not changed since the day I opened it. Every few weeks I get the same copy+pasted email that states, " ... We wanted to provide you with an update and assure you that we are actively processing your claim. We are waiting on information from the merchant. Once we have an update, we will contact you. '' The reason for this dispute is that I made a purchase with a merchant and did not receive what I purchased. ( MasterCard Reason Code : XXXX ( Goods or Services Not Provided ) ) - Claim Filing Date : XX/XX/XXXX - Claim Number : # XXXX - Amount : {$410.00} - Date of Transaction : XX/XX/XXXX Please help me with getting my money back! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been of zero help ; based upon the information I have, including the info provided by the bank it is my belief that they have negligently failed to handle this claim per both the law & MasterCard 's policies. Most importantly, I need my money back, but also would like to pursue whatever damages possible, based upon the negligence of this institution. 

Thank you.
Consumer complaint received 2024-06-19
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. 

Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX 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 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

AFTER REVIEWING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIED THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FFROM MY REPORT.
Consumer complaint received 2024-08-20
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: SOFI TECHNOLOGIES, INC. (GA)

I purchased food from XXXX XXXX on XX/XX/year>. The food was overcooked and not edible. I returned both sandwiches the next day. The manager couldn't refund the charge because it was done electronically through the app. Called customer service XXXX, they said go to store again. I went back without receipt and food the manager took. Not resolved. I put in a dispute with the credit card issuer. SoFi bank isn't working to get my money back.
Consumer complaint received 2024-06-15
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. (FL)

I am sending to notify you that I have been a victim of fraudulent activity. In my efforts to address the fraudulent items on my report, I discovered that I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. As per FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report, reference number XXXX. Enclosed are the documents to assist in removing the erroneous personal information and inquiries from my report. Below is the list of items that were opened without my permission : 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 EQUIFAX 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 According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items in a consumer 's file identified as resulting from identity theft within XXXX business days of receipt.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

I made over XXXX phone calls to citi bank from XXXX until today XXXX. The bank does not provide customers with a way to love money without a debit card and there is no temporary or mobile debit card available. My account has been restricted for XXXX transfers and instant transfers to MYSELF. XXXX XXXX called me and verified the transactions twice and still did not process them! My XXXX limit has been reached. I have my rent payment that I need to make and unable to do so as the instant transfer method isnt working despite my daily limit being {$1500.00}. The associates advised they removed the block and it should be working however it is not. The transfers of {>= $1,000,000} have all been declined for XXXX. The system isnt asking me for my debit card information to process these transactions this is ridiculous.
Consumer complaint received 2024-05-20
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. (IL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00}. 
This account is fraud and doesnt belong to me. this account just appeared on my credit profile overnight and is affecting my life and its not fair. This account needs to be removed immediately my rights are being violated and this account needs to be REMOVED.
Consumer complaint received 2023-09-13
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. (VA)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2024-07-12
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. (FL)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 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 2024-05-20
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)

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns remain unresolved. Once again, I am disputing the fraudulent information damaging my credit file. 
Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I have contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. 

Additionally, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. I am curious about the verification method your bureau employed to continue reporting these fraudulent accounts. 

These are the fraudulent accounts on my report : XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-05-20
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: Credence Resource Management, LLC (AR)

I was applying for a car and realized some damages on my credit report. According to the 15 U.S.C 1681 there should not be any damages on my report, it is a defamation to my character.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

During the Covid pandemic, I was in school in XXXX, FL. I was set to graduate XXXX of XXXX. Because I was in an accelerated program, I couldnt have a job ( there werent a lot open anyways because of Covid ), but nonetheless I still received funding from the VA to live. 
XX/XX/XXXX rolled around, I graduated, and was forced to move back with my parents because I couldnt find a job in my career field immediately due to the pandemic. Finding a good job was also hard when I moved back with my parents, as well. This caused me to not have the funding for my credit card payment from XXXX to XXXX. 
By XX/XX/XXXX rolled around, I finally had an alright paying job where I stabilized and back paid everything I owed thus far, and have been in good standing since. 
Today, XX/XX/XXXX, I reached out to the credit department to get more details. They let me know they can not delete the late credit report, which I disagree with because of the financial hardship that was given to me due to the pandemic. 
Im looking to fully pay off this account in the near future now that I have a new well paying job, but its impossible to succeed in life when my credit score is tanked because of one missed payment during the pandemic.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

I recently reviewed my credit report and was shocked to discover that I have been a victim of identity theft. Several accounts appeared on my report that I did not open. I am distressed that this incorrect information has been included in my credit profile and that your procedures failed to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information, and every effort must be made to ensure this accuracy. I have already contacted the Federal Trade Commission and filed complaint # XXXX. 

I request that you block and eliminate all inaccurate information from my credit report and provide me with an updated copy in accordance with FCRA XXXX05B ( 15 U.S.C. 1681c-2 ), which mandates the removal of such accounts within 4 business days of receipt. Please ensure the removal of all information related to identity theft, including : XXXX. JPMCB CARD, Account number : XXXX. 

Additionally, under the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I demand actual proof that the information was verified, not just a computer-generated confirmation.

Please provide the following details : 1. The names and business addresses of each individual with whom you verified the information, so I can follow up. 
2. The dates on which you contacted the individual information furnishers.

3. The method of communication used to verify the information. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (CA)

I need you to attend the following shown items in this letter which contains date taken directly from my credit report which you have provided. 

XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. # 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (KS)

I'm in the process of proving my side of outrageous late payments, very large balances not caused by me. Especially my account with XXXXXXXX XXXX which was my favorite and most well taken care of. I was bringing XXXX more payments to submit from my bank account. And how I accidently paid twice the amount of {$230.00} within a couple days and waiting patiently for them to send it back, which they never did. All I have to fight this with is XXXX cellphone with internet access. No laptops or desktops. It will take time. I'm sorry but even before I got that fAr, I needed to change that personal statement. That question which wanted me to lie and pick a bankruptcy answer, would not let me advance to start uploading my evidence. I asked the customer service guy, was I just suppose to give up and stop? I then informed him I was reporting this incident to the proper government authorities cause this tactic is not fair to the consumers who do stop and give up! 

I would say Experian tactics who favor the big companies is not as bad as Transitions using now by not sending me a code to prove who I am by my cell phone. It's been XXXX weeks of trying and I'm still unable to get back in.
Consumer complaint received 2024-05-20
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: Experian Information Solutions Inc. (IL)

This is the follow up complaint for the negative items of my Credit report. I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-20
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. (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 : XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 

Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-20
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: Experian Information Solutions Inc. (VA)

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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX