davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX has been reporting in account payment amount to my credit report, which is hurting my credit report .I called XXXX XXXX several time to update my credit report and there were no response. 180 days late is inaccurate
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This request is to notify you about the accounts in my credit report which another credit reporting agency found to be inaccurate and had already updated. Due to your lack of response, or a response that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. The following accounts are listed : XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX XXXX XXXX Balance : {$1600.00}
Consumer complaint received 2024-07-25
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. (CT)

On XX/XX/XXXX, made XXXX purchases in amounts of {$59.00} & {$58.00} for airport food based on the explicit direction of Chase customer service representatives, following the explicit steps they instructed ( must use this Chase Sapphire account in question to make the purchase when the airport prevented access to the XXXX XXXX card benefit ) back in XXXX XXXX when this issue last occurred and was escalated to management. 

Called Chase customer service XX/XX/XXXX to request refund for XXXX charges, as committed by them last time and now following the exact process they claim was necessary to authorize the refund in order to honor their card benefit. At first, they tried to pretend the history did not exist and I misunderstood ( always their initial response regardless of the situation ), but I provided my extensive documentation and history proving otherwise and at this point the representative suddenly acted as if they could not hear me to get rid of me. 

Escalated to Acct Supervisor ( XXXX ) on XX/XX/XXXX and after initially trying to dismiss me and she finally acknowledged the notes from the previous issue and confirmed they would be providing the refunds as a one-time courtesy and should see applied to account within XXXX business days. 

After many months of nothing, but then getting billed for very high annual fees ( {$620.00} ), I called again on XX/XX/XXXX to mention I still never received the refunds that were finally acknowledged by management as something I should have received and the phone representative even acknowledged the notes from the XX/XX/XXXX contact, yet also confirmed no action taken. Instead of offering any fix, especially when requested multiple times, I was just told there was nothing they could do and refused to provide an explanation for why they would not honor the refund that was supposedly even already confirmed and approved. Based on this, I said it does not make sense to continue with this product and requested an escalation to a Supervisor in the Retention Team, which they referred to as the " Escalations for Cards '' Dept. Speaking to Acct SupervisoXXXX XXXX XXXX '' she asked what my issues were and why I was requesting cancellation and in the middle of that, she just dropped the call with no response or any follow up. 

Please help protect me as I feel absolutely powerless for any recourse, feel highly victimized by Chase and their representatives, and they seem absolutely complicit in their abuse with no effort of good faith to even fulfill their own, approved commitments!
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I believe that CitiBank, which services Macy 's American Express card, violated my rights under the Equal Credit Opportunity Act due to gender and race discrimination. My account has been locked down several times since XX/XX/2024, due to Citi 's discriminatory actions taken on my account. It is my contention that Citi deliberately engaged in discriminatory practices and perpetuated derogatory stereotypes regarding XXXX  individuals and XXXX, attributing them to criminal activity and fraud. Multiple times during the month, the bank imposed more stringent criteria on my account, including the requirement for additional information and the placement of a restriction on the account. I was advised in early XXXX that my account was blocked and to await a letter with a reference code. I called with the reference code from the letter dated XX/XX/XXXX, where I went through a complete verification of information, transaction history, payment history, contact information, etc. Several days later, my account was blocked again, and I was told that another letter was being sent out. I received the second letter and called on XX/XX/XXXX with the second reference code. I repeated the same verification process. On XX/XX/2024, my account was blocked for the third time, and I was told to wait for a letter in the mail. I explained that I had previously verified all information on my account from previous reference codes and that I needed to use my account. I couldn't understand why they couldn't use previous verified contact information, but they said that my account would remain blocked until I received a letter. I called repeatedly after XX/XX/XXXX because a letter was not being sent to my home and I was still unable to use the account. I received the letter XXXX weeks later after calling multiple times to inform the department that I hadn't received a letter. On XX/XX/XXXX, I called with the reference code dated from the letter of XX/XX/2024, and verified the information once again. The representative told me that my account was unrestricted and I was able to use it. I charged a transaction for {$29.00}, which was my XXXX monthly subscription, on the same day. The next day, my account was blocked again, and I was told that I would receive a letter with a code in the mail. The previous representative did not add my authorized user to the account or make any changes to my account from the call initiated on XX/XX/XXXX with the reference code. I believed the bank discriminated against XXXX  people and made me feel that my identity was not valid. Despite having all the necessary documentation and reference codes, they continued to question my identity and treat me differently. This experience has left me feeling marginalized and excluded from XXXX XXXX XXXX, as I was not able to use my credit card for almost XXXX  days and am still unable to.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I sent Experian Consumer Services a notarized Notice of Dispute to commence the arbitration process due to failing to allow me to exercise opt-out rights per 15 United States Code 6802, 16 Code of Federal regulations 313.1, and the Privacy Act of XXXX. The letter was sent per instructions directly printed on Experian 's Terms and Conditions found on their website. I am seeking legal action in order to resolve this on going issue with Experian. The co-conspirators XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have all violated my federally protected consumer rights that they acknowledge to follow according to the entities ' individual privacy policies.
Consumer complaint received 2023-07-12
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. (CA)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 15 U.S. Code 1681s2 and 5 U.S. Code 552a, 15 U.S. Code 6802, 15 U.S. Code 6805 THIS IS NOT A DISPUTE.

Im submitting this letter in regards to the negative items reported on my consumer report without my consent. I demand these items be deleted and blocked from reporting and having an affect on my report that Im taking control of from this day forward.

These laws that are attached will help represent me, the living being, not someone who is considered lost at sea.

15USC16930-1 HSR-192 18USC8 12USC411 UCC3-419 UCC1-308 UCC3-603 UCC3-104 31USC23 31USC3123 31USC-5103 XXXX XXXX XXXX. 

XXXX XXXX. 


I do not wish to contract with any of the said above parties, so do the right thing and follow and obey all laws as instructed. 

Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. 
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
Consumer complaint received 2024-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Royal Pacific Funding Corporation (CA)

my taxes were reassessed in error, its been several months and my account is still not correct, I have received several diff analysis and payments. my account is negative which should not be possible. I have called several times with no resolution and have been told i can not have anyone review my account without writing a letter to the research dept. I have conflicting information and now my account shows late bc the wrong payment amount was sent
Consumer complaint received 2023-11-04
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. (NC)

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. XXXX. XXXX XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX : # XXXX XXXX. XXXX XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

FURTHERMORE 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAnypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( B ) in the case of liability of a naturalpersonfor obtaining aconsumer reportunder false pretenses or knowingly without a permissible purpose, actual damages sustained by theconsumeras a result of the failure or {$1000.00}, whichever is greater ; ALSO Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2024-03-17
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. (MD)

TRANSUNION is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting TRANSUNION to provide the documentation used to determine inquiry was indeed authorized by the consumer, TRANSUNION has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. TRANSUNION Commission file number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Dakota XXXX i will be filing form 211 treasury omb forms to audit consumers account. TRANSUNION is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE AND NOT CONSUMER REPORT!
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
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 (IL)

We have a Bank of America CC account that has been closed and are making monthly, automatic payments. In XXXX of 2023 their system did not properly withdraw a payment of {$210.00} from our account on two different occasions but we were never notified. Upon getting our statement we noticed this issue and made a double-payment in XXXX to become current but by that point their system had registered us as '30 days late ' and reported this to the credit bureaus. The error seems to be with their system but they refuse to admit this, correct the problem, or provide us with any information proving otherwise- they have effectively stonewalled us and told us that their company has a policy of 'not issuing credit corrections ' even when they have made a mistake. This has severely hurt our credit and needs to be adjusted. In the attachment you can see us attempting to make payments and additional payments made once were were notified of their bank error.
Consumer complaint received 2024-03-13
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. (NC)

The following accounts keep showing on my credit report after i have informed these people that the information in erroneous, inaccurate, and unfair practices. furthermore at this point it has been a breach of privacy and has done severe harm to my credit worthiness. 1.This account XXXX is showing over 15 inaccuracies across these companies and according to the FCRA all accounts must be 100 % accurate or it must be deleted. this account is showing XXXX with some companies and closed on another, also this account on XXXX of these companies has it marked as paid from XX/XX/XXXX- XX/XX/XXXX on another it has charge-off from XX/XX/XXXX- XX/XX/XXXX, and the last company shows no data at all. The last active dates are all different one being 2 years old. Due to these inaccuracies and extortionate ways it has violated my rights as a consumer. Also 15 U.S.C1681 section 602 A. states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information in inaccurate. Due to these issues on my report. it is a defamation of my Character.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

SPS Committed fraud by not pulling automatic mortgage payments which then made them : 1 ) Reporting inaccurate balance.

2 ) Reporting false credit information such as past due when they are at fault for not pulling automatic payments.

3 ) Did not send any correspondence to account holders regarding their non processing of payments.

4 ) Reporting false claims of past due payments and incorrect number of same.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P. (GA)

Dear XXXX XXXX XXXX, I am writing to report a fraudulent account listed on my credit report under Resurgent Receivables LLC, which was opened without my knowledge or consent. This is a clear case of identity theft. I have provided police report and contacted the FTC. 

Creditor Details : Resurgent Receivables LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX, XXXX. 

I have already informed both entities about the identity theft but have been denied any information about the alleged debt. Under the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation into this matter and the removal of this account from my credit report. 

Please confirm receipt of this request and outline the steps you will take to address this issue. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. You have no business continuing to report this on my credit report. I dont have any idea about this. 

FOR UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XXXX XXXX XX/XX/2023 Equifax XXXX XXXX XXXX XX/XX/2023 Equifax XXXX XXXX XX/XX/2023 Equifax XXXX XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX - XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX - XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX Balance : {$510.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$250.00}