davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
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: JPMORGAN CHASE & CO. (LA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2023 XXXX CA XXXX Subject : Dispute of Erroneous Names and Addresses on Consumer Credit Report Dear Sir/Madam, I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 
List XXXX XXXX XXXX XXXX List Erroneous/Inaccurate/Fraudulent Account Names Account Numbers This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1.

15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

1. 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report I request a thorough investigation into these inaccuracies.

2. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-11-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRINITY HOPE ASSOCIATES (NC)

This collection agency keeps calling all day long and late hours at nights too. I have told them this is not my debt and to stop harassing & calling me anymore in the future. I have a receipt showing that I have paid this XXXX  bill in full. The last time this collection agency called, the person that called stated that I had to call him by the end of the day or actions would be taken against me the next day.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NH)

I initially called on XX/XX/XXXX to try and discuss why I am unable to use my account. I talked to an agent that said my information did not match those that was on the account and that I had to send information to the Equifax office of consumer affairs. I sent this information that Friday and was told it would be 5 days processing. That next Friday I called again because I had no response back even though I gave all my contact information they told me it was actually XXXX days processing. I waited until the next Friday and called again. They where still unable to validate my identity and now told me that my SSN did not even exist in the system and the agent said the first agent lied to me and that I don't exist in the system at all and that I need a credit card company to send a report to Equifax to update this information. I then called XXXX and had them send this information over. I waited XXXX business days and called Equifax again. The agent on the phone had me verify my identity and told me the name and address of the person who has my account information. I said this information was incorrect and she then transferred me to the office of consumer affairs which is who I sent the information to back on XX/XX/XXXX it is now XXXX XXXX. Talking to this agent he told me they never received any documentation and that they can't do anything unless they have paperwork through the mail and said sending it certified doesn't matter because they need to see the paperwork. I am trying to get a mortgage but this is preventing me and this has been going on for a month now and I am getting ran in circles.
Consumer complaint received 2024-04-17
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. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX of this year, I received an email stating that my replacement debit card was sent to the wrong address. We updated our address months ago with Bank of America. Unfortunately, they forgot to update my debit card address. As a result, they sent my replacement card to the wrong address. When I called the Bank Representative, she told me that they were going to expedite my request, but that I would have to pay a {$15.00} fee to do so. The representative and her supervisor, understood that this was a bank error, yet there is no process to waive the fee even when they made a mistake updating my debit card address.
Consumer complaint received 2024-04-17
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. (IL)

In accordance with the fair credit reporting act. The List of accounts below has has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX Account # XXXX, Account name : XXXX XXXXXXXX Account # XXXX :, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX XXXXXXXX XXXX Account # XXXX and Account name : 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 : 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 furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, I assert that XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX XXXX # XXXX have infringed upon my rights. 

As per 15 U.S.C 1681 section 602 A, I maintain the right to privacy.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 clearly stipulates that a consumer reporting agency is prohibited from furnishing an account without my explicit written instructions.

Lastly, as outlined in 15 U.S.C 1666B, a creditor is not permitted to categorize a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (GA)

My account was an error with account number I couldnt make payments from a payment center. I finally got into my bank account and it shows during time of repo that the company had taken XXXX payments after repo, the car was sold at an auction and they demand for me to pay the remaining balance which I told them at the time that it was an illegal repo and if they sold the car then its their responsibility for the rest.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (OH)

I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2023-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX, my husband and I signed a Deed of Trust to refinance our mortgage for our primary residence in Texas. Both of us are clearly identified as the borrowers on the first page of the contract. However unknown to us at the time, XXXX  XXXX XXXX XXXX ( XXXX ) did not record my name as a borrower for the mortgage in their system for the loan, they only recorded my husband. The mortgage was sold a couple of times and ended up at Bank of America. My husband has since passed away. I tried to change the information on the loan to reflect me as the primary borrower and couldn't find any info on me on the loan on the computer ( I had always paid the account ). I called BoA to tell them they should change the account so that I was primary and was told I wasn't on the account. I was shocked. I sent them a copy of the Deed of Trust assuming one of the earlier servicing banks had messed up and they would correct the error. They disconnected the online account and asked me if I wanted to assume the account at great expense. I did some research and realized that XXXX was the one that removed my name. I contacted them and pointed out their mistake and they referred me to BoA. I sent BoA another copy of all the documentation XX/XX/XXXX and they responded today that I was not on the note. I called and they told me that what I signed was a " deed '' not a mortgage. I explained that a Deed of Trust was used similarly to a mortgage in Texas and that no other " note '' existed and she didn't believe me.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I recently obtained a copy of my credit report and noticed a series of late payments reflecting for months XXXX of XXXX  being reported on my credit report. I reached out to the Credit Reporting Agencies via mail and phone to resolve the errors as I have not been late. 
Furnishing late payments due to any billing errors is in direct violation of 15 USC 1666B. I requested verification of the late payments as to date I have not received any updated information. 
The late payments are impacting my payment history and my ability to obtain credit. I have not been late with the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reporting these late payments on my profile are indeed inaccurate.
Consumer complaint received 2023-12-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PACE Funding Group, LLC (CA)

A pursuant email was sent to the collector, in return they responded on XX/XX/ via email with a payoff statement. We then sent a validation letter requesting validation of debt and for all supporting documentations not limited to original contract / agreement all signed contract and for explanation of services and fees.
Consumer complaint received 2023-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

First, Fifth/third claimed I didnt have homeowners Ins on the property. Spent numerous hours on the phone with them and my insurance company to get them the proof they needed. Fifth/third refused to document this information even though my insurance company had written documentation of sending them the required documents numerous times. Fifth/third then opened an escrow account in my name charging {$400.00} plus for insurance I did NOT need. In order to protect my credit I was forced to pay the excess until they cleared the insurance issue. During this time I received harassing, non stop phone calls from them!!! Even on Sunday morning at XXXX XXXX!! 
Second, during this inept show of customer service I went into the local branch to pay my mortgage. I then started getting non stop calls claiming I didnt make the required payment??? 
I called and was demanded to pay the imposed late fee before I could speak to a customer service rep! I demanded to speak to someone and was finally connected. She was able to sort this out however now this month I began getting those harassing nonstop phone calls again asking for my XXXX payment. I pay it on the XXXX like I always have. They claim it has to be paid by the XXXX. Really? Ive always paid by the grace period and now its not okay?? My payment is NOT late and never has been!!! 
I have 40+ years of perfect credit. 
This company has harassed and violated the Fair Debt Credit Act along with causing undue stress to me. I would encourage ALL consumers to shop elsewhere for a mortgage. This company shows a total lack of respect for its customers!!!
Consumer complaint received 2024-04-17
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. (NY)

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX  XXXX XXXX XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect DOB : - XXXX  Employer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged 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 Listed below are the Inquiries that are being challenged 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  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 2023-12-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I deposited a check it was verified by bank & it was cleared so funds were used then days later I'm told the check was no good so there was an investigation done & they told me check was fake well if bank cleared it obviously isn't wasn't fake & even if it was how am I suppose to know that. if it fooled the banker then it's obvious I had no idea but I still waited til the check fully cleared & all the money was released so I told them I can give them the original check that was sent to me to prove that it was a legit check also the company that sent it to me hacked into my account & took my money over drafting my account causing bank to take more money from me then I paid a rental car company with my debt card but reserved it with my credit card so when I returned the car XXXX person harged the rental fee with my debt card & another associate charged to my credit card so I disputed XXXX of the charges & had documents to prove that I was charged twice & they was payed twice & I had the original receipts before the rental car changed paper work & bank refused to look at them so now I'm XXXX of dollars neg in my account after my XXXX check was fraudulently taken then the bank took my XXXX causing me not to be able to pay rent so I was evicted after XXXX of paying my rent without XXXX late payment so I have the proof to show them but they refused to look at so now I'm a XXXX XXXX age female XXXX & out on the street when I went there with my documents they told me there was Noone there that handles anything like that I asked where do I go I got no XXXX & ; was asked to XXXX
Consumer complaint received 2023-07-17
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XX/XX/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
Consumer complaint received 2023-07-17
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-04-17
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 submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

On XX/XX/XXXX, I ordered a queen bed from XXXX XXXX XXXX. I received the bed a couple of days later and assembled it. When my spouse and I slept on the bed, the footboard almost detached from the rest of the bed frame and the footboard was in a slanted position. I dismantled the bed and contacted XXXXXXXX XXXX XXXXXXXX regarding the issue so I can return the bed. 

The headboard has sharp edges and cut my hand anytime I attempt to dress the bed. Here is a description of the bed per the XXXX XXXX XXXX website : Bring sleek, retro style to your room with our Mid-Century Modern Queen-Size Panel bed. Inspired by the clean lines and modern look of mid-century design, this twin bed brings vintage flair to any space. A combination of solid pine wood and durable melamine make this bed a safe and stylish choice for any bedroom. 

What Kids Will Love : Queen-size bed = more space to stretch out! 
Super sturdy design makes it easy to hop into bed Panel headboard gives great support for reading in bed What Parents Will Appreciate : Sleek silhouette with angled legs and a solid pine wood and white melamine finish creates modern, mid-century style Solid pine wood slats and metal support bars create a high XXXX lb. resting weight capacity Low VOC finishes are non-toxic, contributing to a clean and healthy home Includes easy-to-read instructions, slat rolls, hardware and all the tools you need I advised XXXXXXXX XXXX XXXXXXXX representative known as XXXX about all the issues. Here is XXXX 's response on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX, XXXXXXXX XXXX Hello XXXX, I sincerely apologize for the issue with your order. It is our policy to provide free replacements for anything damaged. Items that are damaged or assembled are not eligible for returns/refunds. You can read more about our return policy here : Changes, Cancellations & Returns XXXX XXXX XXXX Thank you again, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Tel : XXXX