davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
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. (MD)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

In the past, I have utilized the dispute function on the credit bureaus websites and have found the results inadequate. After months, the errors have not been corrected. There are multiple inconsistencies, such as an account showing open, yet its closed, and vice versa. As well as accounts showing a CO on the monthly reporting for years at a time
Consumer complaint received 2024-04-13
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. (ND)

I am writing to express my frustration and disappointment regarding the ongoing issue of fraudulent items persisting on my record, despite my multiple attempts to rectify the situation. Despite providing comprehensive evidence and following the prescribed procedures diligently, it is disheartening to see that the problem remains unresolved. 

The presence of these fraudulent items not only tarnishes my reputation but also undermines my financial stability and credibility. I have invested significant time and effort into addressing this matter, only to be met with continued obstacles and delays. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Additionally, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for the damages incurred as a result of this prolonged ordeal. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-13
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. (FL)

I've consistently maintained punctual payments on this account, never allowing them to lapse. I'm uncertain about the reasons for the late payment remarks on my accounts. Referring to 15 USC 1666b, billing errors should be rectified.
Consumer complaint received 2024-04-13
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. (NC)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed items are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (NY)

On XXXX, I called to remove the authorized user from the account and was told they could remove the user but they couldn't remove it from her trade line and she would have to call to do it herself. I told them this didn't make sense and to let me speak to a supervisor or someone with more knowledge. After I asked this 3 times, the customer agent who answered the phone pretended that she was transferring me and instead, she hung up on me. So I called back and closed the entire account. It's a lot of hoops for nothing. The authorized user never even used the card in 5 years and there is no reason to have someone else call back to do something that I was already telling them to do as owner of the account. The attempts to try to trick people into keeping accounts is insane. This is a service that should have been allowed via the online portal anyway instead of making me call about it.
Consumer complaint received 2024-07-08
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. (WI)

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 2024-04-13
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. (MO)

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH EXPERIAN, AND XXXX, AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY. 

EXPERIAN : Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, MO, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
The following accounts are incorrectly reporting. 
XXXX XXXXXXXX - XXXX - The late marks being reported on this account is incorrect. 
XXXX  XXXX - XXXX - The late marks being reported on this account is incorrect. 
- XXXXXXXX XXXX XXXXXXXX - XXXX - The late marks being reported on this account is incorrect. 
XXXX XXXXXXXX - XXXX - The late marks being reported on this account is incorrect. 
XXXX XXXXXXXX - XXXX - Account in violation of the FCRA 15 U.S. Code 1666- CORRECTION OF BILLING ERRORS. The creditor failed to reflect properly on a statement a payment made by me. - The late marks being reported on this account is incorrect. 
XXXX XXXXXXXX - XXXX - The late marks being reported on this account is incorrect. 
XXXX XXXX - XXXX - Section 609 of the FCRA states that you're required to send me the original paperwork that verifies this account otherwise, this is false information. 
These inquiries were not authorized : XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 

XXXX : Incorrect Name - XXXX, XXXX, XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
The following account is incorrectly reporting. 
XXXX XXXX XXXX XXXX - Section 609 of the FCRA states that you're required to send me the original paperwork that verifies this account otherwise, this is false information. 
These inquiries were not authorized : XXXX OF XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX OF XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report.
Consumer complaint received 2024-04-13
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. (TX)

I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

The letters are stated with items and issues.

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 2024-04-13
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. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-02-17
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: GOLDMAN SACHS BANK USA (TX)

Dear cfpb, I am writing to file a complaint regarding the fraudulent dispute of funds by Apple Credit Card, charging both the merchant and the customer. 

After receiving XXXX products that I found to be not worth the price paid, I attempted to return it to the merchant. However, the merchant refused to provide a return address and label, insisting on unreasonable grounds. Consequently, I had no choice but to file a dispute with Apple Credit Card regarding this transaction. 

Dispute case number : XXXX Transaction date : XX/XX/2023 Merchant name : XXXX Disputed amount : {$74.00} Amount to be rebilled : {$74.00} Despite clear evidence, Apple Card Goldman Sachs confirmed the dispute as successful and sent me an email confirming the Dispute Status : Completed ( Disputed charges will be removed ). The temporary credit received, including any interest charges, was supposed to be permanent. However, if seller also issued a credit for this disputed transaction, the permanent credit might be reversed. 

As I never received the credited amount, I already filed a complaint with cfpb against Apple Card Goldman Sachs for failing to transfer the disputed amount to me. 

Shockingly, after my complaint, Apple Card Goldman Sachs maliciously deemed the dispute unsuccessful, thereby fraudulently retaining the funds. Today, I received an email stating Dispute Status : Completed ( Disputed charge ( s ) will remain ). The temporary credit of {$74.00} This corrupt and dictatorial behavior by the bank is unacceptable. 

I urge the authorities to oversee this matter promptly. 
XXXX
Consumer complaint received 2024-04-13
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was in car accident XX/XX/2021 after life saving measures done I lived and was about to contact BofA about XXXX was blocked and had to jump through hoops to even find out my XXXX  money was stolen an BofA don't want to accept claims even with police report and supporting documents I have had BofA XXXX BofA multiple times XXXX an faxes not coming in clear in other in .. just non stop discrimination with my account no call sympathy or empathy of what I had to go through while I can was being stolen my money was spenced on out of my account.. and then another spending my face when they don't want to prove my disputes
Consumer complaint received 2024-02-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (MI)

I am writing to formally lodge a complaint against Spring Oaks Capital LLC for violations of consumer financial protection regulations, specifically referencing 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 15 USC 1681-S 2 ( 7 ) ( A ), and 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

The basis of my complaint revolves around a series of actions taken by Spring Oaks Capital in relation to a debt allegedly owed by myself. I received communication from your company regarding the debt in question. However, I have reason to believe that your actions have contravened several federal regulations, including those outlined above.

Firstly, according to 12 CFR 1006.34 ( b ) ( 5 ), consumers are entitled to receive certain information regarding their debts upon request. Spring Oaks Capital failed to provide adequate debt validation as required by this regulation. Additionally, 15 USC 1681-S 2 ( 7 ) ( A ) mandates that debt collectors must provide consumers with specific disclosures regarding their rights under the Fair Debt Collection Practices Act, which were not provided in the communication I received.

Moreover, in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I formally request that all communication regarding this debt cease until such time as Spring Oaks Capital can provide the necessary documentation and validation as required by law. Furthermore, I request proof of your company 's licensing and bonding status, as mandated by federal and state regulations. 

Lastly, I request a copy of the purchase agreement between Spring Oaks Capital and the original creditor pertaining to the alleged debt. This information is crucial for me to verify the legitimacy of the debt and to understand the basis for Spring Oaks Capital 's claim.

I urge Spring Oaks Capital to promptly address these concerns and take the necessary steps to ensure compliance with federal regulations. Failure to do so may result in further action being taken to protect my rights as a consumer. 

Please acknowledge receipt of this complaint within [ mention a reasonable timeframe ], and provide updates on the progress of your investigation. 

Thank you for your attention to this matter. I expect a swift and satisfactory resolution to this issue.
Consumer complaint received 2024-04-13
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. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I went to Bank of America and requested a cashiers check in the amount of {$7500.00} to purchase a vehicle from XXXX XXXX. After giving the check to XXXX XXXX, I decided that i did not want to continue with the transaction and requested by phone bank of america to stop payment on for cashiers check # XXXX on XX/XX/XXXX after also notifying XXXX XXXX of what I would be doing. On XX/XX/XXXX, I went into bank of america in person to the branch in XXXX XXXX, Ca on XXXX XXXX to speak with a bank representative to ensure the cancellation of the check. Several times I went into the bank just to get the status of the check, whether or not it was put on hold or whether it had been cashed and never received that simple answer or anything in writing. On XXXX XXXX XXXX  I mailed a letter to follow up on the status of the cashiers checks and my inquiries, and never received a reply, I am XXXX XXXX XXXX and i now have my daughter with POA taking over managing my affairs. Here a year later and B of A has never responded to my verbal or written inquiries about this cashiers check. I have been a customers for decades and have been treated poorly in the branches and dismissed as a senile old man which is not the case. I am attaching the letter and the cashiers check that i have been inquiring on since last XXXX and seeking escalated assistance to resolve this matter.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/2024 I applied for the Chase Sapphire XXXX card. I finished the application and immediately received hard inquiries to my credit report providers. After no email or response acknowledging my application I called JP Morgan-Chase on XX/XX/2024. After reaching a service representative and said representative checking in with the lending department, I was I told that there was no record of my application despite the reflection of said application on my credit report. I was directed to file a dispute through XXXX. I called XXXX on XX/XX/2024 and was told that claim was out of their service offerings and to contact the CFPB.
Consumer complaint received 2024-04-13
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. (MI)

I am lodging a complaint today to bring to your attention that I have been a victim of fraudulent activity. After conducting research on the proper procedure to address this issue, I discovered that I need to file an identity theft report with the Federal Trade Commission or visit https : //www.ftc.gov. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report with reference number XXXX. Attached are documents to facilitate the removal of inquiries that have been erroneously posted to my report. Below is a list of items that were opened without my authorization : EXPERIAN : XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Per FCRA Section 605B ( a ), Credit Reporting Agencies are required to remove any information identified by the consumer as resulting from identity theft within four business days of receipt.
Consumer complaint received 2024-02-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (SC)

I purchased 2 products from XXXX and financed the purchase through Affirm. I have been contacting them for several months regarding the loan as they made it two separate loans under each product but each for the cost of the two products. I returned one product and there is a refund for the purchase price of that item on the loan they made for the item. However, they are still charging me on that loan but won't tell me what they are actually charging me for. Because if they would tell me they would see their error. Instead they send me communications making it my responsibility to prove their error. I sent them screenshots of the two loans under the two products as well as screenshots of the purchase and return from XXXX. I don't understand why they get to basically steal from my bank account and they haven't responded to my requests from XX/XX/XXXX to have one loan deleted with my money returned. It took several calls to get a case # from them and that happened when I went to XXXX and an associate spoke with Affirm and told them they wrote the same loan twice and they finally gave me some attention. But they are still deducting they same amount 2x a month.
Consumer complaint received 2024-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP (NJ)

Pressler felt and other companies are trying to make me pay debt that doesn't belong to and I don't recognize. I tried many times to let these people know that that person wasn't me they keep harrasing me with documents of a similar name as mine.
Consumer complaint received 2019-05-10
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: Credit Karma (ID)

have a hard inquiry made by the Institution Information XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX-XXXX