davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

Bank ( specifically branch manager ) was specifically directed to Never ever pay any funds if there are presently insufficient funds to do so. The bank paid an unauthorized ACH transfer when there was insufficient funds in the account to pay the unauthorized ACH. Then hit me with fees in excess of {$200.00} for the insufficient funds. 

This is an unfair, unauthorized practice predatory in its face. It's illogical that if there isn't enough funds in the account to pay an unauthorized incoming debit and the further prejudice the customer/account holder with fee 's that are unwarranted
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reviewed my consumer report and noticed there are some inaccurate addresses being reported, that need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. 
Please see this account is removed from my file at once. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
If you continue to report this information without truly verifying the information will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not removed.
Consumer complaint received 2024-04-28
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a claim with bank of America months ago along with a police report. Bank of America sent me a letter on XX/XX/XXXX saying investigators were in my favor and temp credits were now permanent. XX/XX/XXXX - Bank of America debits l {$900.00} from my account and wont provide help or details on reasons why. 

Ive missed XXXX appointments, could not buy medicine needed. Ive received no money in weeks. 

I provided bank of america with a copy of my award letter THEY sent me in XXXX.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Farrell Holdings, LLC (OH)

per 15 USC 6802 ( B ) 16 CFR 313.7 433.2 433.3 15 USC 1681. 5 USC 552 ( a ) and the privacy act of 1974 should stop these institutions from sharing personal information to third party entities such as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Pac Auto Finance, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX All of these companies violated my rights of all laws above in CFR 433.2-433.3 states my information will will not be disclosed to any third parties without consent and clearly my consent was not given to the companies named above to share my personal information without my consent.
Consumer complaint received 2024-02-17
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: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/2023 a purchase was made at XXXX # XXXX for $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On XX/XX/2023 a purchase was made at XXXX XXXX XXXX for {$10000.00}. 
On XX/XX/2023 a purchase was made at XXXX XXXX XXXX for {$2000.00}. 
On XX/XX/2023 a purchase was made at XXXX XXXX XXXX for {$3000.00}. 
In all {$15000.00} was stolen from my card. 

Navy Federal did not refund any purchases that were disputed on this card. They denied my request twice. Only thing they did was sent me a new credit card.

I have two credit cards that I use for purchases, and both are used for small purchases. I don't usually check my credit card account because I don't use it often unless I am making a small purchase. I submitted my claims late because one day I decided to check my statements and noticed transactions I did not make. With my own investigation, my ex-business partner is the person who stole my information from my card and made purchases to himself. He also made transactions on my debit card without my permission. Navy Federal accepted the dispute on my debit card and refunded the money. I contacted the police department, and they sent an officer to my home. We talked about what transpired and he recommended me to file the dispute with my bank.
Consumer complaint received 2022-12-15
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. (PR)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # 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 : States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation 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 XXXXXXXX Balance : {$880.00} XXXXXXXX XXXX XXXXXXXX Balance {$6100.00} XXXXXXXX XXXX XXXXXXXX Balance {$1600.00}
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I received a Capital One Quicksilver card in the mail on XX/XX/year> that I never applied for. The card was under my maiden name, XXXX XXXX. I have not used that name in XXXX years and never in pair with the current address. I called Capital One and made them aware that I didn't apply on XX/XX/year> and they have opened a fraud investigation. Through XXXX, I found that the application was made on XX/XX/year> under a phone number I did not recognize, XXXX. Because of this incident, my credit score dropped XXXX points.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Monday XXXX XXXX  I sent a letter via mail requesting my personal information be looked into because i figured as if my info has been used by someone else. 
I also called on early XXXX and was told they would investigate but i never heard anything back.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

Experian stated the information I disputed was accurate. The information I disputed was inaccurate on my credit report. After I filed a dispute with Experian my credit reported was updated with the accurate information I disputed. I don't agree with the investigation and I want my points back I lost due to inaccurate information reported. 

XXXX reported a late payment between XX/XX/XXXX and XX/XX/XXXX. I filed a dispute with Experian XX/XX/XXXX stating XXXX payment reported was inaccurate. Payment of {$400.00} was paid on XX/XX/XXXX to XXXX. Experian has updated payment information from XX/XX/XXXX 30 days past due to closed after I disputed the late payment for XX/XX/XXXX from XXXX. My credit score has went down XXXX points ( see attachments ) due to the inaccurate information reported from XXXX. This error has negatively affected my approval with a company I always do business with. ( see attachments ) This error will negatively affect me getting approved for a home loan. I want my the XXXX points back I lost and compensatory damages due to the inaccurate reporting. 

I have worked hard the past 3 years to get my credit score up. I have had XXXXXXXX XXXX builder for the past 3 years to prepare to purchase a home.
Consumer complaint received 2024-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

To whomever this may concern my name is XXXX and I've generated this statement. The accounts mentioned in this report should not be reported as they violate my rights as a federally protected consumer according to 15 US Code 1681-B. Also, FCRA Section 1681S-2 states, that a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. I am a victim of identity theft and did not authorize these accounts to be reported on my accounts. I am demanding that the accounts listed in this report be removed immediately.
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: January Technologies, Inc (FL)

Consumer has received MULTIPLE REQUESTS from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX has sent XXXX XXXX debt verification/ validation request, which was received per consumer mail sent via XXXX XXXX XXXX Which was received XX/XX/2024 at XXXX sent via certified mail with return receipt. XXXX XXXX has as of XX/XX/2024 failed to respond to consumer debt verification/validation request which was received. All communications by consumer are recorded/tracked for cobsumers quality and legal purposes. Consumer has received several emails from XXXX at XXXX technologies regarding said debt. See attached picture with multiple dates of emails sent by XXXX XXXX on an unvalidated debt. 

XXXX has violated FDCPA practices and continues to harass consumer regarding debt by sending automated email. Supposed debt collector continues to attempt to collect a debt on behalf of XXXX XXXX XXXX collections, per XXXX XXXX  collection statutes debt collector is not licensed to collect debt in the state of Florida and XXXX has also failed to respond to consumers request to verify XXXX is licensed and can verify they legally own said debt in the state of Florida. XXXX is asking for cease and desist on said debt until XXXX per Florida statue XXXX XXXX can prove they legally own debt. XXXX has also failed to provide name and address of Registered agent for service of process.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (IL)

On XX/XX/XXXX, I submitted a Notice of Dispute to LexisNexis ( XXXX ) and requested the removal of inaccurate Identification Records from my LexisNexis Consumer Disclosure Report. 

On XX/XX/XXXX, I submitted a Notice of LexisNexis Failure to Respond to my Notice of Dispute ( XXXX ) and demanded the removal of inaccurate Identification Records from my LexisNexis Consumer Disclosure Report. 

On XX/XX/XXXX, I submitted a SECOND Notice of LexisNexis Failure to Respond to my Notice of Dispute ( XXXX- XXXX ) and demanded the removal of inaccurate Identification Records from my LexisNexis Consumer Disclosure Report. 

On XX/XX/XXXX, I spoke with LexisNexis ' representative named XXXX who initiated another dispute regarding the inaccurate Identification Records that LexisNexis is reporting on my LexisNexis Consumer Disclosure Report. 

This is my THIRD Notice of LexisNexis failure to respond to my Notice of Dispute dated XX/XX/XXXX, within the 30-day statutory deadline as required by the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ). 

Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), the 30-day statutory deadline for LexisNexis to respond to my Notice of Dispute was XX/XX/XXXX. 

In fact, LexisNexis has refused to respond to any of my Notices of Dispute within the 30-day statutory deadline as required by the FCRA 611 ( a ) ( 1 ) ( A ). 

Therefore, per FCRA 611 ( a ) ( 5 ) ( A ) ( i ), the disputed information must be deemed UNVERIFIABLE and, therefore, I demand that the unverified Identification Records be promptly deleted from my LexisNexis Consumer Disclosure Report. 

Upon review of my LexisNexis Consumer Disclosure Report dated XX/XX/XXXX ( See attached Supporting Document # 1 ), LexisNexis is STILL reporting inaccurate information regarding my Identification Records. This inaccurate information must be immediately deleted from my LexisNexis Consumer Disclosure Report.
Consumer complaint received 2024-04-28
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. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Dear Consumer Financial Protection Bureau, I am writing to seek your urgent intervention in a distressing matter concerning the unjustified closure of my joint checking account with my husband at JPMorgan Chase Bank, N.A. ( Chase ). Recently, we received a notification from Chase stating that our joint checking, savings, and credit card accounts were slated for closure. We promptly reached out to Chase 's customer service representatives on multiple occasions seeking clarification. However, each time we were met with the response that Chase was unable to disclose the reason for the account closure. In an attempt to resolve the issue, we visited a local Chase branch where a banker informed us that only my husband 's name, but not my name, had triggered an alert, and that removing my husband 's name from the accounts would resolve the situation. Acting upon this advice, we promptly had my husband 's name removed from the accounts. Subsequently, we were reassured by the banker that our joint checking and savings accounts would remain active. However, despite the removal of my husband 's name and the reassurance provided by the banker, we received yet another communication from Chase indicating that our accounts would still be closed. This has left us utterly perplexed and deeply concerned about the lack of transparency and apparent inconsistency in Chase 's actions. We were told by a banker in Chase that the alert might have " transferred '' under my name, because the account itself is tagged. Despite our continued efforts to seek clarification and comply with Chase 's policies, the bank has persistently refused to provide any explanation for the account closure. This situation has not only caused significant inconvenience but has also raised serious questions about our rights as consumers and the transparency of Chase 's practices. Therefore, I urgently request the CFPB 's intervention to investigate this matter and compel Chase to provide a clear and detailed explanation for the closure of our accounts. Also, We believe there may have been an error in Chase 's system, and we kindly request that they review this matter and consider reopening our accounts. We are fully committed to complying with Chase 's policies believe that we are entitled to a satisfactory explanation for the actions taken by the bank. Thank you for your attention to this urgent matter, and we look forward to a prompt resolution with your assistance.
Consumer complaint received 2024-04-28
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. (HI)

On XX/XX/XXXX I sent dispute letters to XXXX and Equifax disputing inaccurate information and Complaince violations on the reporting of information on my consumer reports, XXXX  and Equifax sent me am email saying they won't investigate my disputes. I have the right to dispute whatever I feel is in accurate on my reports according to the FCRA, I sent another round of dispute letters via Certifiede mail on XX/XX/XXXX th and.got the same email saying the won't investigate my disputes, I want to know what happened.to my letters.? It costs me money to create through software, print through 3rd party printing company, and to send my letters. I'm asking then CFPB to.follow up with XXXX and Equifax on the disputes letters I sent them and to properly go through my dispute letters and do a proper investigation of what's I requested and challenged in my dispute letters sent on XX/XX/year> and XX/XX/year>. I Will fill new complaints with the FTC and The Attorney Generals Office next.
Consumer complaint received 2023-08-25
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. (SC)

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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