davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX and XXXX continue to report inaccurate and false information. The account they continue to illegally display on my report was protected by the CARES ACT during the covid XXXX pandemic, as well as fcra laws. 

Bank of America XXXX is the account in question. 


According to Section XXXX of the FCRA, I am entitled to receive a notice of my rights when I request a copy of my credit report. This notice must include information about my right to dispute errors in my credit report and to request a credit score.

Furthermore, Section 611 of the FCRA requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section XXXX of the FCRA requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. 

I have disputed these late payments with XXXX and XXXX, but to date, no action has been taken to correct the inaccuracies on my credit report. Bank of America and the CRA 's have illegally altered the information several times, even adding more late payments. I believe that XXXX and XXXX, have failed to comply with their obligations under the FCRA, specifically under the following sections of the FCRA : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports.

623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs.

623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information.

623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. 

I demand that XXXX and XXXX, take immediate action to remove the inaccurate account from my credit report and to comply with their obligations under the FCRA. If XXXX and XXXX, fail to comply with this demand, I will have no choice but to consider my legal options, which may include filing a lawsuit to seek damages, statutory damages, and attorney 's fees for FCRA violations. 

Currently XXXX will not allow me to speak to anyone on the phone and making it extremely difficult to file a dispute or request info. Which is fraudulent behavior. 

This unauthorized reporting has caused great pain in my life. 

Thank you for your time and attention to this matter. I look forward to your response and resolution to this issue.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-08-13
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: TRANSCARD, LLC (TX)

I recieved a virtual Transcard as a refund from XXXX XXXX XXXXXXXX XXXX  located in XXXX, TX. I stored the virtual card in my cell phone wallet. On XX/XX/year>, Within days of receiving my virtual Transcard, my cellphone and wallet were stolen from my vehicle while parked in my parking spot in the garage of XXXX XXXX XXXX a police report of the theft from my vehicle was made to XXXX XXXX Police Department. The thieves quickly took over my financial accounts, and I also reported theft of my identity to The Federal Trade Comission. On XX/XX/XXXX, I contacted Transcard about the incident and they informed me of fraudulent account changes and transactions that had already been made since the theft. The thieves had been able to create a pin lock on my account that I had not ever used, and then fraudulently spent a total of {$910.00}. Transcard closed my account due to theft and my card was locked, apparently for my protection. The card was locked with a remaining ballance of {$80.00}, that had not yet been spent and I would not be able to access. I was then directed to file a dispute by email to the Transcard Dispute Team that included the details of the theft and the police report that was made. I was told that I would retrieve the stolen funds and the {$80.00} ballance after a short investigation was conducted. For the fraudulent transactions and the remaining ballance, I lost a total amount of {$990.00}. On XX/XX/XXXX, I was informed by email, that my dispute was denied. The denial for my dispute was based on false reasons that were entirely irrelevant to my situation. I contacted the Transcard Fraud Dispute Department by phone and spoke with a manager by the name of XXXX. XXXX directed me to re open the dispute because the denial was based on irrelevant and inconclusive reasoning. On XX/XX/XXXX, I sent the email to reopen the dispute, and I did not recieve a response. I have not been refunded the amount lost from the fraudulent transactions, {$910.00}, or for the remaining ballance of {$80.00} that was still on the card when my account was closed.
Consumer complaint received 2024-06-21
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. (KY)

I am a federally protected consumer and I am aware of my rights laid out by the FCRA in 15 USC 1681. Additionally, Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies within consumer files. 
Please re-investigate the below accounts validity within my consumer report that you maintain under my name. Please update these accounts to reflect complete and verified information. There are late payments that are erroneous and not matching up. I was never late for these payments, Please delete this inaccurate account if it can not be made complete and verified. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX These Laws Clearly state : Under XXXX5 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate 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 appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Standards established in the credit industry help ensure integrity of data and uniform communication between ALL credit-reporting agencies.

I have attached the erroneous account ( s ) in question. This account needs to be DELETED IMMEDIATELY OR UPDATED TO PAID ON TIME NEVER LATE, AS I WAS NEVER LATE FOR THIS ACCOUNT. Failure to do so

may constitute willful non-compliance in this matter. I have experienced great emotional and financial hardship over these illegitimate late payments as it has inhibited my opportunity to refinance one of my mortgages amongst other things. Please complete this erroneous, inaccurate information
on my credit report to PAID ON TIME NEVER LATE OR DELETE within 30 days of your receipt of this notice of dispute if this information can not be verified through your thoughtful and fair re-investigation. Please send me your results and update my consumer report accordingly. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Consumer complaint received 2024-06-22
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. (GA)

I contacted Transunion for the past month to correct my credit file I was told I had a mix file with information belonging to someone and that they would send it to the back office for maintenance and the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX would all be removed from my file in 24 hrs as oh XXXX XXXX which its now XXXX XXXX and nothing has be removed
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

I opened a dispute on XX/XX/year>, with this bank on for a charge made on XXXX XXXX, for the amount of {$1000.00} for XXXX XXXX XXXX which was for an entered agreement for a funded investment account. Upon making payment to this scam company and reaching out to verify the status of my investment account, my messages were left unanswered. I accessed the account myself and funded it on my own, since it was supposed to be of my property. Once I reached out to Chase and opened the dispute, this so called merchant reached out to me, trying to trick me saying they had funded the account. Once I mentioned I had evidence that I funded the account, they threatened that they had a copy of my ID and personal information and that they would be visiting me because of what I reported. And explicitly said the funded account and profits made ( by me ) were his. He then proceeded to change the log in credentials, which I now dont have a way to recover the access. After some investigation of my own, I researched on this merchant and became aware I have not been the only victim and this individual has been able to get away with this practice due to tactics of disabling comments sections on his social media to avoid people reporting this criminal practice. On XX/XX/year>, I receive an email from stating that the dispute was not in my favor and the credit of {$1000.00} that had been applied on my account was reversed. To make matters worse along with the supporting documentation they included indicating this was the reason why it was decided the dispute was in the merchants favor, none of the documentation belonged to me. The signed agreement was in someone elses name, the Drivers license included which contains PII did not even come close to my name or address. This is a clear indication this case was brushed off and was automatically determined to be in merchants favor without proper and reasonable investigation. At all costs avoiding having to resolve this in a sensitive manner as it should have. If I mistakenly received someone else 's personal information, this makes me concerned on how my data is being managed without a guarantee it is not being exposed. Someone needs to take accountability for this deceptive practice.
Consumer complaint received 2024-06-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I purchased the vehicle, and a few days after I bought it, the transmission heated up, and it stalled on the highway. I took it back to the car lot where I bought it because the transmission was under warranty. They told me they fixed it, and the car continued to have the same issues. I returned to the car lot, and they informed me that they could not do anything about it because they did not have a car of the same value and that I had to take the car home. On my way home, the car stalled on the highway, and I was almost rear-ended by a semi-truck. I drove the car to the main XXXX XXXX dealership in XXXX, Texas, and informed them that I was leaving the car there because of the transmission issues that I had been complaining about. This account was opened in mid to late XXXX, and I requested information about the vehicle and if it had been sold and, if so, for how much, and I never received a response. XXXX XXXX XXXX continues to report this on my credit report every month. Due to them doing this it has greatly affected my chances at several job offers with the federal government.
Consumer complaint received 2024-06-18
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. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

The medical company : ~ has sent me to collections over bills that my insurance assures me I do not owe ~ refuses to reimburse me for a payment of {$120.00} on XX/XX/year> that my insurance says I didn't actually owe
Consumer complaint received 2024-06-18
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NY)

I received a Home Depot credit card that I never applied for. Separately on XX/XX/year>, I received an Account Statement from Home Depot with a balance in sum of {$8100.00}. I immediately called Home Depot and reported FRAUD. Home Depot representative gave me a CASE ID number XXXX. I also disputed the Credit Card account to XXXX.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

I bank with First Citizens Bank in XXXX, XXXX. The bank employee called me to solicit me to enroll in a fee-based fraud protection program. I expressed that I had never been a victim of fraud, but she impressed upon me that I could be a victim at any minute. Following her advice, I signed up for the service. After 4 weeks, I decided that I no longer wanted the service and wanted to cancel. The bank refused to cancel the service unless I signed a document stating that I would hold the bank harmless and indemnify ( pay them their costs and legal fees ) any of their losses/ damages for any reason ( including if the bank employees embezzled funds, or if they were fined by a regulatory agency related to my account ). The document also required me to affirm that I had already been a victim of fraud, which was a false statement. I told them I would not agree to these terms, and they are refusing to cancel this fee-based service. I stopped by the bank this afternoon and, after waiting almost an hour, was told that they will not alter the document.
Consumer complaint received 2023-08-11
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: Exeter Finance, LLC. (CA)

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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-06-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I contacted XXXX XXXX regarding the account that Nissan motor acceptance sold to them. When speaking to the supervisor, I asked for documentation validating the debt and also why they are not accepting any payments to alleviate the debt or get the debt removed. The agent told me that they can not provide me with information that I have to contact my state representative. Being that I didnt get this information Im not able to Understand what is happening with this account and why its still reporting on my report if they do not want any business with me.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am writing to address the recent misreporting of the XXXX late payment status on my Flexible Spending Credit Card account XXXX This misinformation is negatively impacting my consumer file, which is concerning and violates fair reporting practices. 

I understand that unforeseen circumstances, including the loss of both my credit card and mobile phone at the XXXX XXXX, contributed to challenges in accessing my Capital One account and making timely payments. Despite these difficulties, I promptly communicated with Capital One and made a payment of {$52.00} on XX/XX/year>, within the expected timeframe. 

To resolve this issue and restore accuracy to my consumer file, I request the following actions : Correction of Credit Report : I urge Capital One to correct the misreported XXXX late payment status on my credit report to accurately reflect my payment history during the period in question. 

Waiver of Late Fees : Given the circumstances described, I request the waiver of any late fees associated with the reported late payment. 

Enhanced Security Measures : I encourage Capital One to enhance security protocols and customer support procedures to assist customers experiencing similar challenges. This includes improving account recovery processes and implementing robust security features to prevent unauthorized access. 

Notification of Resolution : Please provide written confirmation once the corrections to my credit report and any fee waivers have been processed. 

It is crucial to rectify these inaccuracies promptly to ensure fair and accurate reporting. I appreciate your attention to this matter and trust that Capital One will take the necessary steps to resolve this issue expediently. 

Please contact me at your earliest convenience to discuss further or if you require any additional information to facilitate the resolution process. 

Thank you for your prompt action in addressing this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
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. (FL)

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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-06-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (KY)

I tried to close my savings account today with chase, amount appx {$7000.00}. I provided photo id, a chase credit card and showed I could access the chase app. They then tried to send a security code to a phone number not listed under my security contact numbers. They tried again and the same confirmation no came up as opposed to my default cell no. They did this repeatedly putting a restriction on my account. I called chase they could not do anything by phone. Branch manager also called but got nowhere. I need my money today to cover clean up after storm damage but they state their system allows no exceptions and they will not give me my money. At one point they told me to leave the bank, I responded not without my money and they could call the police if they wished. 
Chase is happy to take my money but not return it.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and XXXX XXXX, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX outline the necessary legal requirements. Please see the attached file for what I am complaining about.