davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
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. (GA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

I wanted to open a depute on one of the amazon transaction since there is a problem with an item I purchased. I called Chase customer service line 4 times, and 4 times bank refused to open a dispute. I asked for a supervisor to assist, but was also denied by a person whos name is " XXXX XXXX ''. Both bank actions violates terms and agreement that I have signed with this bank.
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX. Company you are furnishing inaccurate and incorrect information to the consumer reporting agencies. Monthly Payment, Terms, Credit Limit, Past Due, Date of Last Payment and Activity, and Last Reported Date is different across Experian, XXXX and XXXX, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is clearly in violation for not reporting 100 % accurate. Also, Under 15 USC 1681 s-2 Says you XXXX  XXXX. company is a furnisher of information to a consumer reporting agency. You are the only data furnisher yet different information is reported. 

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Consumer complaint received 2023-12-12
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-12-12
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)

My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXXXXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : XX/XX/1994 FTC Report Number : XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that EQUIFAX conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that EQUIFAX will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (IL)

Subject : Complaint Regarding Unathorized reporting of personal information Dear Consumer Financial Protection Bureau I am writing to file a formal complaint against XXXX and Equifax. Credit reporting agencies for what to be a violation of Consumer law as outlined in 16 U.S Code 1681b ( a ) ( 2 ). I am deeply concerned about the unauthorized reporting of my personal information without my consent, which is clear breach of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) I have never authorized XXXX nor Equifax to collect or report this information. This Unathorized reporting has had a negative effect on my credit profile and financial standing, potentially affecting my ability to secure loans, housing, or employment I have made attempts to contact XXXX and Equifax, on XXXX but I have not received a satisfactory response or resolution from them I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Equifax and XXXX comply with federal appropriate actions and ensure that XXXX and Equifax comply with federal consumer protection laws. Furthermore, I would appreciate if you could keep me informed about the progress and outcome of your investigation. 

Enclosed with this complaint are copies of relevant documents. I appreciate your prompt attention to this matter and your commitment to uphold consumer rights. 

Thank you for your assistance on this matter XXXX XXXX
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I received a letter on XX/XX/XXXX from TransUnion about a fraudulent credit application. I had recently frozen XXXX, so I froze XXXX online today ( XX/XX/XXXX too ) easily and in under XXXX minutes ( for both ). But when I went to freeze TransUnion it had an error code and said they couldnt freeze it and to call. I googled and saw that this has been occurring ( with only TransUnion ) for YEARS. They were already charged by you all and XXXX XXXX ran an article on it in XX/XX/XXXX. And guess what? When I called they said the same thing ; the system is down. However, they cant put it in their system to add the freeze when it is back up. Nope. You have to call back and GUESS when their system may be up again : that is the only way to get it fixed. Doesnt that make them fraudulent? They dont do what they said they do? They send me a letter telling me to place a freeze but they cant do the freeze. I am curious, what happens if fraud now occurs? Wouldnt this be their own fault? Just a complete waste of time. Why not close TransUnion if they cant do what they are supposed to? XXXX and XXXX seem to be able to do it just fine.
Consumer complaint received 2023-12-12
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)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

XXXX XXXX closed my account in 2022 after i reported unauthorized charges. the {$190.00} was left as unpaid and reported to chexsystems, now i can not open a checking account. /i had the balance paid down to {$0.00} then my account was hacked. i called XXXX XXXX immediately, this is when account was closed. still t this day someone is trying to make unauthorized charges on this account and its been closed for 16 months. i ask this fraud be removed from the chexsystems report, and account be credited for all unauthorized charges.
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2023, XXXX XXXX called to tell me that my friend XXXX XXXX XXXX XXXX XXXX died and that he needed me to sign some documents. 
On XX/XX/XXXX I met XXXX XXXX at the chase bank at XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX. XXXX XXXX asked me to sign over the money that XXXX XXXX XXXX XXXX ) left me as beneficiary on his accounts claiming that was his directive in his will. The banker XXXX XXXX asked for my drivers license to give me the cashiers checks. XXXX then did not hand me the cashiers checks except for the top portion, Customer XXXX, of the checks. The total amount was over {$100000.00}. XXXX asked me to hold my identification and stand at a cashier window in front of XXXX XXXX. XXXX handed XXXX the checks. XXXX asked me if she should cash the checks and transfer them to the trust account. I shrugged my shoulders and said, I dont know. I dont know what this trust is. I then walked to XXXX XXXX and asked him if everything he was doing was honest and whether XXXX really wanted this money to go to this trust. XXXX XXXX said yes, XXXX said that as far as he knew this money was mine but there may be other legal documents that stated it should be given to this trust. I went back to the cashier, took my ID, and left. 
On XX/XX/XXXX, I asked XXXX XXXX to see XXXX 's will, he refused. I went to the same Chase branch and asked for my money. I was told that the money had been transferred to a trust. I asked for the name of the trust and who controlled it and they refused to say. I asked for a receipt of the cashier check that was made out to the trust and was told XXXX took it home. 
On XX/XX/XXXX, I went to the chase branch. XXXX and XXXX both verified that they had deposited my checks in error without my endorsement. XXXX identified me as you are the guy who shrugged your shoulders. XXXX said she would file a claim. I called the fraud department at XXXX and was told I could not file a claim because I did not own those accounts. 
After following up XXXX more times, I spoke to XXXX XXXX, XXXX XXXX on XX/XX/XXXX. She promised to contact me every day until this issue was resolved. On XX/XX/XXXX XXXX responded to my email with, I was planning on calling you later, but as discussed on XXXX, I have submitted the research and they will get back to me in XXXX business days. 
XXXX has since then not responded to my emails, phone calls, or in person visits. 
On XX/XX/XXXX XXXX from Chase Branch and Complaint Feedback called me and said she should be able to undo the transaction because the Cashier Checks were not endorsed. 
On XX/XX/XXXX XXXX called to say that they had no mechanism to undo the transaction because I do not have a checking account at Chase and because the Cashier Checks were used to make another set of Cashier Checks they did not have any mechanism for undoing the transaction or returning my money. I asked that Chase return my money since this was their mistake and I was told that I would have to go outside Chase to get my money.
Consumer complaint received 2024-05-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NJ)

Purchased a {$250.00} XXXX XXXX gift card at XXXX as a gift for someone. She attempted to use the card and was declined multiple times. She called the company ( number on back of card ) explaining what happened. They gave her an case # and was told to send an email to XXXX with details, card number, etc and that she would receive an automatic reply to said email. Never received a reply. We then went to XXXX to explain to them what happened. It was out of their hands. 
Next I did exactly the same as the gift card holder and was given the same exact information with the same case # and was told to send an email to same email address. I sent it XXXX and havent received anything from them. Checked online and this seems to be a common issue with this company Incomm. I want a refund from them.
Consumer complaint received 2018-11-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK (TX)

I received a home improvement loan through the Texas XXXX XXXX XXXX XXXX ( XXXX ) program ( loan number XXXX ). When the first payment was due, I had not heard anything about making a payment so I inquired as to where to send the payment. I then sent the payment to where I was instructed to. This payment was received and I my bank statement shows that the check was deposited. After this, the mortgage was sold to Gateway Mortgage Group ( new loan number XXXX ). 

On XX/XX/XXXX I received a call from Gateway informing me that I had not made my first payment and I was told that " If you don't make the payment your credit history will be impacted. '' I instructed them that I had, in fact, made the payment. I was then told Gateway had purchased my loan from the XXXX and the address I had sent my payment to was not with Gateway, after which I instructed to make another payment. I objected and told them they were the ones that had failed to do their jobs, not me, and they were now trying to punish me for their actions. I had done everything required of me and even more. It was not my fault that they had failed to get the deposits from the XXXX. And, now, they were calling up, threatening me, and demanding I make a second payment. The caller said it wasn't a threat because he had said, " if ''. I told him it was perceived as a threat and I feel any reasonable person would agree. I demanded that the caller take this up with his supervisor and they should call me back with the resolution. 

I have now received a letter from Gateway demanding I make this payment. 

I did what was required of me. I not only made the payment, but when there was no contact concerning payments, I reached out and found out where I needed to send it. Now, Gateway is threatening my credit history and demanding I pay double because they failed to obtain payments that had already been made to the XXXX when they purchased the loan.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (IL)

I have been contacting CBNA, who appear on my credit file as CBNA numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. I am still confused as to who this company is because it says XXXX XXXX XXXX XXXX, and other times at Citibank. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It is also listed on my XXXX   report XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Neither of these did i authorize or give permission. They are a result of fraud.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (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 Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a 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 2021-03-08
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: Penn Credit Corporation (FL)

There are accounts on my credit report that dont belong to me. I need these accounts moved immediately. The accounts are as follow : 1 ) XXXX/XXXX  : account # XXXX CHARGE-OFF 2 ) XXXX XXXX XXXX : account # XXXX COLLECTION 3 ) XXXX XXXX XXXX : account # XXXX COLLECTION 4 ) XXXX XXXX XXXX XXXX : account # XXXX COLLECTION 5 ) XXXX  XXXX : account # XXXX