davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
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. (AL)

i was looking over my credit report, and i noticed unauthorized inquires and inaccurate information that i would like removed from credit report. i did not give consent to share my personal information to obtain a car loan, credit card. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 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 the 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. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year> my business account at Chase Bank was shown overdrawn by {$260.00}. I went in to deposited the exact amount at XXXX to cover the negative amount and tried to close the account. I was notified the account was restricted and need manager to deposit the money. I have receipt for the deposit and they told me the account would be closed. However today i see at my online chase portal the deposit amount is not showing and again i am negative for the same mount. I deposited cash and did not received any hold notices. They never notified me of any hold on any deposit and tell me it will be on indefinite hold until they are reviewed and released by internal team. This is a violation of Reg CC funds availability act.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have been your FAITHFUL CUSTOMER for SEVERAL YEARS and have ONLY XXXX OR XXXX LATE FEES REPORTED ON MY CREDIT REPORT. THIS MAY BE DUE TO SO MANY FACTORS. I want to believe that the late fees applied to my account may have been assessed in error or under circumstances that warrant reconsideration. According to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681a, which provides important definitions and protections regarding consumer reporting, I am exercising my rights under this law to ensure that my credit information is handled accurately and fairly. 
Given the provisions under 15 U.S. Code 1681a and the broader requirements for accuracy and fairness in credit reporting, I respectfully request that you review my account and reverse the late fees that were improperly applied. It is essential that my credit history accurately represents my financial behavior, and I believe this action would align with the requirements set forth in the FCRA.
Consumer complaint received 2023-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (KS)

I opened a account with US Bank. Had several deposits made into the account. Then after about a week they froze the account disconnected my debit card without reason. Went to the Branch verified my identification after several attempts still was not able to access my money. Spoke to a manager said that they would fix it still was not able to access my money. For over two months almost 3 I have not been able to access {$1600.00} of my money. No one will give me a just reason and I have asked for the release of my money several times including going in person to pick up a cashiers check that I was denied. Due to this I have now had been charged massive amounts of late fees and been late on all my bills including my rent and I am losing my home. And still have not received my funds.
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (PR)

On XX/XX/XXXX I began a process for a Mortgage Loan on Pentagon Federal Credit Union. I submitted all the pertinent documents as requested by the loan officer. The bank ask me to pay for the appraisal, the property inspection and sign the selling contract with the seller. As part of the contract I have to deposit {$1000.00} on behalf of the seller. After submitted all the documents the closing was scheduled for XX/XX/2020. Because I live in XXXX XXXX, I make reservations for plane tickets and rent a vehicle in order to attend the closing.On the final moment the loan officer cancel the closing and scheduled again for Monday. I request an extension of the selling contract for XX/XX/XXXX and change the flight and rented car. The loan officer assured that the closing will be scheduled for Monday afternoon. For my surprise and the sellers, the loan officer sent an email cancelling the transaction allegedly because the property was a Condo. From the beginning the mortgage lender knows the fact that the property was a Condo and insisted on requesting the documents and paying for all the fees involved on the process. Due to the cancellation of the closing on the last minute, the seller refuse to reimburse the {$1000.00} deposit. I asked for An explanation from the mortgage lender and we received no answer. Due this outrage we lost all the expenses incurred to complete the loan process. We requested the reimbursement of all our expenses estimated in more than {$5000.00} and nobody reply our email.
Consumer complaint received 2024-05-10
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: EQUIFAX, INC. (MD)

I am writing to file a formal complaint against XXXX XXXXXXXX XXXX XXXXXXXX regarding their failure to address and investigate inaccuracies in reporting on my Equifax credit report. On XX/XX/2024, I sent a dispute letter to XXXX XXXXXXXX XXXX XXXX, requesting an investigation into the inaccurate reporting of an account that appears on my Equifax credit report. 

The account in question was included in a Bankruptcy Discharge and should not be reporting negatively. Despite all payments being made on time for the past two years according to my payment history across all three credit bureaus, XXXX XXXXXXXX XXXX XXXXXXXX has failed to update the reporting on my Equifax credit report accordingly. 

In my dispute letter, I specifically requested XXXX XXXX XXXX XXXX to provide detailed information about the account, including the type of account, scheduled payment amount, credit limit, high balance, date of last payment, payment status, and date of account closure. However, I have not received any response from XXXX XXXX XXXX XXXXXXXX. 

Their refusal to investigate this account and provide the requested information is a clear violation of the Fair Credit Reporting Act ( FCRA ). Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and expect prompt investigation and resolution from the credit reporting agencies and the furnishing institutions. 

Therefore, I am requesting the CFPB to intervene in this matter, conduct a thorough investigation into XXXX XXXX XXXX XXXXXXXX 's handling of my dispute, and take appropriate action to ensure compliance with the FCRA. I urge the CFPB to hold XXXX XXXXXXXX XXXX XXXXXXXX accountable for their failure to investigate and correct the inaccuracies in reporting on my Equifax credit report.
Consumer complaint received 2023-07-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Westlake Services, LLC (CA)

Westlake Services Inc opened an account in XX/XX/XXXX. The account status on my XXXX credit report is reporting as A repossession in XX/XX/XXXX. In both XX/XX/XXXX and XXXX XXXX, XXXX I have made multiple written requests for a copy of the finance contract and payment history that proves this to be a repossession and Westlake Services Inc has failed to provide such evidence for more than XXXX days now. I demand to know what evidence XXXX has that allows them to lawfully report this account as a repossession. If XXXX or Westlake Services Inc can not provide the evidence, then they must delete the record of the reposession.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (NC)

LVNV FUNDING LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research LVNV FUNDING LLC is a debt collector. They are falsely reporting to my credit! Account # XXXX are falsely reporting to my credit file and are against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation!

( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested I request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature with XXXX XXXX XXXX. 
Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g I further remind you that, as in Wenger v. Trans Union Corp., No. 95- 6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I did not consent the following inquires to be done. I applied for a car loan at a dealership and my application was submitted to multiple banks without my permission. Please see below the following inquires by company name, and reporting agencies. Please remove these inquires. 

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXXXXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX  XX/XX/year> Experian XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX 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 XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Experian XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXXXXXX XXXX  XX/XX/year> Experian XXXX XXXXXXXX XXXX XXXX  XX/XX/year> Experian XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Experian XXXX XXXX  XX/XX/year> Experian XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX
Consumer complaint received 2024-05-10
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. (NY)

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXXday notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-05-10
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. (NY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

This account is being reported as closed/charged off but it is still reporting every month delinquent sometimes twice a month, in order to report as charged off the company took it as a lost and wrote it off as income, I still havent received my 1099c for the write off of the vehicle, IRS has stated that a1099c is a income report therefore this can not be reported on my report as a credit and its being reported as income which is not an accuracy of reporting.
Consumer complaint received 2024-05-10
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. (TN)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2024-05-10
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. (MI)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : STATE OF MI OFFICE XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-10
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. (GA)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/year>, at approximately XXXX I applied for a credit card product, Chase Sapphire Reserve , through the JP Morgan Chase online portal. I previously had a checking account with the bank so I still had a login. The company advertised that I had a XXXX bonus sign up that I had been approved for. I applied and was approved for the card. 
On Wednesday XX/XX/year> | called the bank after activating my card to ask about the minimum spend to reach the bonus points. I was informed by a representative that bonus points were not listed on my account. She mentioned that I should have received a pop up notification informing me of this. I never received such notification. She listed it as if I had received the pop up on the Chases internal ticket/complaint escalation. This was escalated and a ticket was submitted.

On Friday XX/XX/year>| called back to see if there was a follow up on my account. The ticket had returned that I would not receive the bonus offer. I am completely in line with Chases policies to receive a sign up bonus as l have never applied for ANY of their cards prior. They advertised a product in which I had a credit check for on my credit report now and would not be compensating me with what I had been promised. I cancelled my account due to this. The original offer was a XXXX bonus points after {$4000.00} of spend within 3 months. To be eligible I could not have gotten another Sapphire bonus from Chase in the last 48 months. After getting this confirmed from the retention specialist I called on Friday the XXXX they still did not offer me what had been advertised to me at the time of applying.