davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-19
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. (MA)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. My name is XXXX XXXX. 
The account name is XXXX XXXX The account begins in XXXX The account name is self capital The account number is XXXX The account name is XXXX XXXX The account number is XXXX The account name is XXXX The account number is XXXX I looked at my experience credit report today XX/XX/year> and noticed some things are incomplete and not accurate and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall fall reasonable procedures to assure maximum possibility of accuracy of the information concerning the individual about whom the report relates according to 15 SC 1681 chapter E chapter B and according to 15 USC 1681 five they are supposed to do this treatment of inaccurate or unverifiable information a behalf in general of any reinvestigation under paragraph one of any information disputed by a consumer and item of the information is found to be in accurate or incomplete, or can not be verified the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer or modify that item of information as inappropriate based on the results of the reinvestigation and ( ii ) notify the furniture of that information that the information has been modified or deleted from the file and according to 15 USC 1681s-2 they are suppose to 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. 
XX/XX/year> XXXX
Consumer complaint received 2024-06-18
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 (NY)

I booked a travel package on XXXX XXXX XXXX XXXX XXXX through the XXXX XXXX which contains flight +hotel for XXXX price which created a purported savings, with a XXXX Itinerary XXXX XXXX. At XXXX XXXX of sale, it clearly states that I will not be charged a fee if cancelled within XXXX hours on booking and stated Free Cancellation ( a copy of the disclaimer is attached and made part hereto as Exhibit B ) I was charged individually XXXX different charges on my Capital One credit card even though I only placed XXXX charge during a single transaction to get the bundle package. 
I cancelled the booking which contained the flights + hotel on the XXXX XXXX on XX/XX/2024 at XXXX and re booked for a higher price just minutes ( XXXX ) prior to canceling. As pointed out, the airline charges has been refunded within the XXXX days because of the XXXX hour free cancellation window leaving a balance of {$440.00} for the reservation of the hotel which is the XXXX but is an XXXX charge on my credit card I reached out to XXXX on XX/XX/2024 at XXXX XXXX and spent XXXX minutes on the phone as they reached out to the merchant ( XXXX XXXX XXXXXXXX XXXX ) to cancel the reservation made just hours earlier. They stated they were unable to resolve the issue and the cancellation policy only applied to a portion of the transaction not the entire sale and they would be unable to help me out. 

I then called XXXXXXXX XXXX XXXX XXXXXXXX and they stated that my transaction was done through XXXX and they would be unable to help and contact them directly. 

As the disclaimer clearly states Free Cancellation at the point of sale and the booking was XXXX single transaction as it was purchased as a package to incentive savings it applies to the all charges and shall not be perceived or implied as severable by the merchant charging multiple transactions and the reservation was cancelled well within the XXXX hour time period of their cancellation policy. No services or good has been provided by the merchant with respect to this transaction. 

I disputed this with my credit card and after emailing my documents to Capital One Bank and speaking with XXXX ( Id # XXXX ) from the XXXX XXXX XXXX XXXX on XX/XX/2024 claiming they will not honor my dispute and stated '' This happens all the time with them '' I asked " who is them '', she replied " XXXX '', I explained to her that its misleading and the cancellation policy should not be severable on a single transaction.
Consumer complaint received 2023-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-07-01
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: LEXISNEXIS (TX)

I have disputed an incorrect bankruptcy record with LexisNexis. Following their investigation, LexisNexis confirmed that the record was deleted from their system and assured me that they would inform all credit bureaus to update their records accordingly. However, I have contacted XXXX and XXXX, who are currently still incorrectly reporting this bankruptcy. Both bureaus returned results stating that this bankruptcy has been verified by LexisNexis. 

I am hereby requesting that LexisNexis reach out to XXXX and XXXX to ensure that this bankruptcy record is deleted as soon as possible.
Consumer complaint received 2024-06-07
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 XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> 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 2023-08-25
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. (CA)

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX  account # XXXX {$630.00} Account ID : XXXXXXXX XXXX XXXX XXXX  account XXXX balance {$3500.00} US department of edu account XXXXXXXX XXXX XXXXXXXX Account # : XXXX HARD INQUIRIES XXXX XXXX Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX XXXX Miscellaneous And Public Record Creditor information XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Creditor information XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Creditor information XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. )
Consumer complaint received 2023-08-02
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. (TX)

I am writing to dispute an unwarranted student loan that has been reported on my credit report to my knowledge since XX/XX/2020. I have been disputing this since 2020 to no avail. I feel defeated and helpless at this point. 

I am appalled that XXXX/Dept of XXXX and Utah XXXX XXXXDept of Ed has continuously reported inaccurate information on my credit report causing damage to my lively hood, preventing me from purchasing a home, a higher interest rate, and credit denial. XXXXDept of Ed and Utah XXXX XXXXDept of Ed has failed to mark my credit report disputed, failed to respond in the allotted time, and failed to provide my signature violating the debt. I have also attempted to dispute this with XXXX, Experian, and XXXX who also did not provide any of the requested information per the guidelines of the FCRA. Therefore the Item in question should have been removed, not to mention it doesn't belong to me. I have kept careful records of all records pertaining to this matter. 

I want the debt to be fully removed from my credit report. I am also asking XXXXDept of Ed to compensate me the amount of {$5000.00} for violating the FCRA as well as punitive damages.
Consumer complaint received 2023-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

MOHELA increased my student loan balances by a large amount. I have called them and messaged them. they said I should be receiving a refund check from the treasury for over {$20000.00}. To date I have received one treasury check for {$4800.00}. I am still missing money yet my student loan balances have increased
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. (NV)

ACTIONS TOOK BY ME AS THE CONSUMER I SENT OUT MULTIPLE DISPUTE LETTERS TO EACH CREDIT BUREAU LETTING EACH COMPANY KNOW AS CONSUMER I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 ( A ) SECTION 2 ALSO STATES CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. TO OPT ME OUT.

15 USC 1681 ( e ) ( b ) CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACIES TO MY CREDIT REPORT!

15 U.S. Code 1666b late payments 15 U.S. Code 1692 collection abuse 15 U.S. Code 1681c charge off
Consumer complaint received 2024-06-07
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance XXXX {$17000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$9000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$800.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (CT)

FNBO has entered into a consumer credit transaction with via using my social credit card defined under 15 USC 1602 to extend me my o n credit on multiple accounts. In the year of 2022 FNBO has committed XXXX XXXX and has discriminated against me and my RIGHT TO CREDIT as defined under 15 USC 1691 by shutting down my accounts and denying me a Granted Right which is access to extend credit. FNBO has been in violation of the ECOA and Tittle 18 USC 242 for denying me a federally protected right to extend credit and have access to credit. FNBO once aft er taking XXXX XXXX discriminating against me has reported false statements on my consumer report hurting my reputation and hurting my credit worthiness further negatively impacting my right to extend credit in the banking system. FNBO is reporting an alleged debt that arose out of a consumer credit transaction via a FINANCE CHARGE and is falsely reporting charged off accounts as Income on my reputation as defined under IRS Guidelines. TENDER of payments were attempted to be made on these accounts to satisfy the alleged debt In Good Faith but was REFUSED by FNBO. Such Refusal of legal tender has now discharged the debt under UCC 3 -603 and has placed FNBO under a violation of the Federal Reserve Act Sec 29. FNBO has been given the opportunity to perform and provide LAWFUL VALIDATION of the alleged debts and has failed to do so. FNBO despite Tender Of Payment being made and refused and despite not being able to0 provide Lawful Validation continues to furnish false statements on my reputation hurting my character and right to credit.
Consumer complaint received 2023-08-25
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: NAVY FEDERAL CREDIT UNION (IL)

PLEASE ADVISE THE UPDATED XXXX XXXX Part XXXX SUMMARY : The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act ( FCRA ). This advisory opinion explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. How did you verify these accounts? Insufficient matching procedures can lead to entities providing reports to companies without a permissible purpose.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (DE)

Linking external account with XXXXXXXX XXXX ran into problems both are on Plaid platform but Marcus would not let me add XXXXXXXX XXXX  account with instant verify another issue I want my phone call pulled from today as the supervisor have no knowledgeable about same day ACH transfers by Marcus...
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am writing to formally address and rectify an issue of incorrect reporting on my credit profile by Bank of America concerning a charge of {$240.00} in XX/XX/XXXX. 

I have consistently made timely payments on my account ( account number : XXXX ) since its inception. My payments have been set up on automatic payments to ensure punctuality and accuracy. However, due to an error in XX/XX/XXXX, a payment was missed. This error was not brought to my attention until XX/XX/XXXX, as Bank of America had an outdated address on file, which prevented me from receiving any notifications about the missed payment. 

I kindly request that this error be corrected on my credit report, as it does not reflect my consistent payment history and was due to circumstances beyond my control. Please update my credit profile to accurately reflect my payment history and remove any negative reporting related to the {$240.00} charge in XX/XX/XXXX.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX, I deposited {$3900.00} cash ( XXXX {$100.00} bills ) into a Chase ATM machine the ATM machine took the money but had an error saying " please call chase to make sure it went through '', there was no confirmation of anything and the cash was not returned by the ATM. See attachment I called Chase and they submitted a claim. Chased issued a temp credit of {$3900.00} to me the following week but with no guarantee the original cash would be found.

The claim on the website said the claim would be resolved within 10 days, now it still has not been resolved. I called the Chase every day and they do not have updates since XX/XX/XXXX.