davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
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. (FL)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Good day, thank you for taking the time to remove some of the information in my file resulting from an alleged identity theft. However, there are still items that need to be removed. According to FCRA Section 605, you are required to remove any items listed on ID THEFT REPORT # XXXX. I have informed my attorney of my intentions, and they are prepared to hold you accountable for your willful noncompliance : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX : {$1000.00} -- -- -- -- -Equifax : XXXX XX/XX/year> -- XXXX -- -- XXXX : XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

An authorized debit payment was made to University XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX through a joint checking account in the amount of {$4900.00} for a three-week XXXX XXXX XXXX  class for my son. In our eyes the college committed fraud by asking for payment to be made before XX/XX/XXXX to avoid my child losing his spot in the class, ironically on XX/XX/XXXX the day after the payment was due the University sent an email stating they were officially closing their doors on XX/XX/XXXX. On XX/XX/XXXX I sent an email to the admissions office requesting refund status and they stated they did not have further details regarding the exact timeline for the refunds. I also contacted the company XXXX which is the company who sent the payment confirmation receipt, and spoke to a representative there, I was told they would be able to refund us but when providing details to them about the school closure they abruptly stated they could not assist and that the school would be handling all refunds. On XX/XX/XXXX I sent a follow up email to the admissions office which they then provided me with a website and call center phone number for additional assistance. I sent an email to the call center on XX/XX/XXXX and have not heard back. I have also attempted to call them on the same day and to no avail they did not pick up. In between phone calls and emails my husband and I have attempted to get assistance from our bank JPM Chase asking that they put in a dispute on our behalf, but the bank stated because this was an ACH transaction there was nothing that could be done. The bank is refusing assistance. I spoke with XXXX a representative from your company which stated I was well within my rights to file a claim against the bank for assisting with the refund.
Consumer complaint received 2024-07-23
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc. (MI)

I never opened this account, they say i did, but I had a identity alert on my credit they were suppose to verify my identity ( like everyone else does ) they did not. 


its XXXX dollars, I finally said XXXX it i would pay it, talked to a rep several months ago who said they would do a pay for delete ( which is 100 % legal ) the next rep i talked to denied that request saying that was an illegal act. 

Pay for delete is a 100 % legal option, its XXXX why exactly would they refuse to take my money? unless it is a 100 % scam and they know I have never signed up for what ever they offer ( I am still unsure of who they are as they never sent me any requested information )
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX Account number XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX My XXXX  account was reported late in XX/XX/year>, however I made a payment on my account at the XXXX store. When I disputed it with XXXX they said the payment was made, however, something about the billing cycle that I did not understand. The payment was made after the previous payment due and for more than the required minimum.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I am writing to file a formal complaint against Chase Bank regarding their actions concerning my Social Security benefits. On XX/XX/year>, a direct deposit of {$XXXX} from my Social Security XXXX benefits was allegedly rejected by Chase Bank and purportedly sent back to the Social Security XXXX XXXX Treasury Department. However, after nearly XXXX months, the XXXX has confirmed that they have not received the funds back from XXXX. 

Today, upon contacting Chase Bank 's XXXX department, I was informed that they had garnished my Social Security check to pay off a debt owed to XXXX. I want to emphasize that I do not acknowledge nor believe that I owe any such debt to Chase. Furthermore, it is my understanding that under federal law, Social Security benefits, including Social Security XXXX payments, are protected from garnishment by most creditors, except in very specific circumstances. 

This situation has caused me significant financial hardship and emotional distress, as I rely on these benefits for my basic living expenses. I am deeply concerned about XXXX 's handling of this matter and their apparent disregard for federal regulations protecting Social Security recipients. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Chase Bank complies with federal laws regarding the protection of Social Security benefits. Additionally, I seek assistance in resolving this issue promptly so that I XXXX receive the Social Security benefits rightfully owed to me without further interruption. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in resolving this troubling situation.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INACCURATE INFORMATION To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( XXXX ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Accounts need to be removed below XXXX XXXX XXXX  - {$4800.00}
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Okay. My XXXX in XXXXXXXX XXXX, had a credit card with BOA for many years, a card ending in XXXX. He died on XX/XX/XXXX, and all of his mail was forwarded to me in XXXXXXXX XXXX. He had no estate and no money, so his attorney told me not to pay any of his bills or credit cards. 

The BOA statements started arriving at my home in XXXXXXXX XXXX name. Then they started arriving with his name AND my name underneath his. By XXXX statement, it was solely in my name. On XX/XX/XXXX, the account number changed to ending in XXXX. ( Today, BOA said, for the first time, that the XXXX had been reported as lost or stolen, but that's a lie : XXXX was XXXX, and I still have the XXXX card in my possession. ) Anyway, I talked to no avail with many people for untold hours on the phone, Then, since even the BOA employees with whom I met in person had absolutely no idea what to do, we decided to file a fraud claim. At first it was denied because, get this, they said it was " family fraud : '' by whom? A XXXX man? I resubmitted the claim. 

Then, the letters from BOA became insistent that if I didn't pay off the card by the end of XX/XX/XXXX, they would create a XXXX and that would affect my credit rating. So I went to a branch and paid the $ XXXX just be be done with the stress and aggravation. 

Then the XXXX statement arrived and showed a credit of {$16000.00}. They had paid the claim and reimbursed me. So it's not that I didn't get back my money. But I believe that they were fraudulent in handling this whole situation, especially when they added my name to my XXXX XXXXXXXX XXXX card and then changed the number. There is no physical card ending inXXXX.
Consumer complaint received 2024-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

On XX/XX/year>, my " friend '' XXXX XXXX sent me a payment for {$80.00} through PayPal. He was under the influence of alcohol and drugs, which I found out later down the line. I received the money and withdrew it from the ATM using my PayPal debit card. He, for some reason, proceeded to call PayPal customer service and reported that I had not received the money. He filed a dispute, calling me a " seller '' and said that he did not receive his goods that he paid me for. This was a payment for assistance as he had done SEVERAL TIMES in the past. PayPal did not give me the option to dispute his claim and they gave him back his money. They have put my account into the negative by {$91.00} and have sent it to collections, known as XXXX XXXX XXXX.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

On XX/XX/year>, a fraudulent deposit was made into my check account via XXXX deposit. I contacted Citizens Bank regarding my findings, I was then told that the fraud department with look into the claim. Since then no one called me, nor sent mail regarding my fraud claim. I called on XX/XX/year>, to find out the status of their findings. And was told that my account is being closed, after calling the bank about and fraudulent deposit into my checking account. I feel that I was discriminated against because I am a XXXX man. I wasnt respected by the bank from the beginning of my complaint. All the bank sent me was a copy of the deposited check, and a letter indicating that the check might not clear. Because some inconsistency with the signature on the check. They never gave me a complaint number, nor did and reached out to me at all. I found out that my account will be closing soon, after contacting Citizens Bank on XX/XX/year>. I deemed this to be XXXX, discriminating and disrespectful towards me as a XXXX American citizen. I never encountered a situation by Citizens Bank before. And I dont think its fair for them to close my bank because I called and reported fraudulent activity against my account. If they close my account, my name will be sent to check systems or put on a XXXX list for life. All I want is justice in this matter, or I will be filing a lawsuit for discrimination.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TX)

I am writing to formally notify you of serious violations concerning the furnishing of consumer data that has come to my attention. As a secondary consumer reporting agency, you are required to adhere strictly to federal and state laws governing consumer credit and reporting practices. Your recent actions have violated these laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and relevant case law, including XXXX XXXX XXXX v. XXXX, XXXX XXXX. XXXX. 

Under the FDCPA, any consumer reporting agency must refrain from disclosing information to third parties without proper consent, especially when such information is inaccurate or unverifiable. In this instance, your agency has furnished data that does not comply with these legal standards. 

Furthermore, the case of XXXX XXXX XXXX v. XXXX illustrates the consequences of failing to uphold these standards, highlighting the judicial recognition of consumers ' rights to accurate credit reporting. Your actions not only contravene established case law but also expose you to significant legal liabilities. 

According to the FDCPA, consumers may seek damages for violations, including statutory damages of up to {$1000.00}, along with actual damages, attorney fees, and court costs. The associated costs and potential liabilities from these violations can be substantial and detrimental to your agency 's reputation. 

Therefore, I hereby demand that you immediately cease all forms of communications regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX INACCURATE INFORMATION To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Accounts need to be removed below XXXX XXXX XXXX XXXX {$4800.00}
Consumer complaint received 2023-07-05
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)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Consumer complaint received 2024-07-12
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: EQUIFAX, INC. (WA)

Applied for a mortgage thru XXXX. We understood they offered mortgage programs for senior, XXXX, Indigenous applicants. Upon review of my application, XXXX, at XXXX pre-purchase counseling, had said : " XXXX XXXX XXXX ( XXXX minutes ago ) to XXXX XXXX me Hello XXXX XXXX Looking at the information you provided I can see that our program for lending is not aligned with what you are looking for. I added a resource link below it provides information on other programs that you might qualify for. 
https : XXXX Best wishes, XXXX XXXX '' To which I responded : " XXXX, please provide the criteria for which you made this determination. If you do not, i will forward this entire conversation to the FTC. 
Thank you. '' Please explain to the CFPB the details of this decision, and why the link to XXXX? What is the specific " help '' suggested by providing a link to XXXX?