davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 2023-02-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (GA)

Person has stolen my identity and My girlfriends Identity. Her name is XXXX XXXX. My name is XXXX XXXX. Person keeps opening up Cash App cards in our name in order to steal from our personal accounts. The number they used to open up cash app is XXXX. I do not have cash app. I just received code XXXX.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

EXPERIAN, XXXX, XXXX is breaking the consumer law pertaining to : XXXX account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. 
SSN XXXX CARD HOLDER
Consumer complaint received 2023-07-28
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. (NJ)

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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-16
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: Experian Information Solutions Inc. (DE)

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 2023-12-16
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. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again. 
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 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I posted a check of {$5800.00} to a XXXXXXXX XXXX in XXXX. I advised then it was en route. 

XX/XX/XXXX Check # XXXX was posted XX/XX/XXXX Check # XXXX showed on our account XX/XX/XXXX I contacted XXXX XXXX, who advised that the check had not been received. I told them that the said check had indeed been cashed. XXXXXXXX XXXX checked but came back to say nothing had been received. 

On checking our account we see that the check was not endorsed on the reverse side and immediately contacted Chase Fraud Dept. We made a Declaration of Unauthorized Endorsement as requested by Chase. Since then we have made many phone calls and a visit to our local Chase but to no avail.

I learned from Chase the the bank where the check was deposited was XXXX XXXX XXXXXXXX On XX/XX/XXXX we received a letter from Chase saying that the depositing bank is responsible for repayment but had not responded to the Chase claim. Chase now say if they do not hear within 90 days of our clam submission they will close the our claim and the funds will not be recovered. This can not be correct - Chase know the bank where check was deposited and XXXX XXXX XXXXXXXX must know who cashed the check. It all seems very straightforward.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

English is my second language. It is dangerous to complain against unfair practices by one or several bank employees, who bank definitely is going to protect and ignore created by them problems for customer. These days customer isn't protected. First I filed a complaint with BMO Bank management. No response on my complaint # XXXX was received. After opening the account request for help with ACH transfer was ignored several times. No one call was returned by XXXX XXXX. Only after my complaint to management, the BMO employee, XXXX XXXX, who opened my account suddenly called after 40 days and left a voicemail premeditatedly accusing me that I didn't respond for his constant attempts to finish set up preferences for my account, when it was the other way around. First of all, he refused to accept my version of DPOA and/or already notarized DPOA to add on my account and said the authorization for assistance has to be the one that created by the bank. The very simple one that satisfied XXXX XXXX, but not my version, was finally signed and notarized by Bank Notary in the middle of XXXX  that he obviously refused to do that at the same day when account was opened. He continue stretch the time and didn't add the notarized power of attorney to my account and never sent it to the appropriate department for a record on my account that was finally discovered just now in XX/XX/XXXX. Some how the external transfer from a different bank to BMO was blocked under unknown circumstances by BMO. The hours spent on the phone and on chat did help for a while. Finally, the new message stated that transfers are pending, but later the transfers were denied again. The proper procedure to connect external accounts with BMO checking account were performed and confirmed. BMO Bank continued to deny the transfer without an explanation. None of the employees on the phone said that account is locked and acted like they do not know what is going on. Only agent on chat stated that account is locked and I need to call. Who locked my account for transfer and why, is not understandable. Why BMO Bank employees did set up incoming transfers for denial, or XXXX XXXX did it and/or somebody else controlled that conditions for promotional monetary benefit won't be met on time. It is all about money, do not let new customer to earn the promotional benefit. It feels like some secret conspiracy at the BMO bank is in affect and/or secret and silent conspiracy between banks do not allow transfers. XXXX XXXX brutally and boldly lied as I have been at the Bank with my DPOA three times and after I complained to the bank management he began claiming that he did not finish preferences for the account because I didn't keep the appointments. I do not know how is that possible to stay with such bank that impossible to trust, because its employee lies and intentionally and knowledgably create obstacles and damages.
Consumer complaint received 2023-12-16
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. (IL)

I am writing to file a second formal complaint regarding the unresolved issues on my credit report involving fraudulent items. Despite my initial efforts to rectify this matter, including providing supporting documentation, the fraudulent items persist, adversely affecting my creditworthiness. 

Despite providing comprehensive evidence and adhering to the proper dispute procedures, there has been no resolution, and the fraudulent items persist on my credit report. 

Enclosed with this letter, please find additional supporting documentation reaffirming the fraudulent nature of the items in question. I have attached : I am deeply concerned about the ongoing presence of these fraudulent items on my credit report, and I insist on immediate corrective action. The continued inclusion of this inaccurate information is causing significant harm to my financial well-being. 

If a resolution is not achieved promptly, I am prepared to escalate this complaint to relevant regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ). 

Conduct a thorough and expedited investigation into the fraudulent items outlined. 
Remove the inaccuracies promptly and update my credit report accordingly. 
Provide written confirmation of the resolution and the actions taken. I am asking for your assistance to remove these fraudulent items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank XXXX XXXX My Identity was stolen and accounts where open in my name, I have tried several times to have this company look into it. But they fail to do so and say debt is validated. But its not mines. theres a whole different email address attached to that account because I did my own research 's
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, a collection from XXXX XXXX showed up on my consumer credit report. I let XXXX know, and I was told it was removed, but have had no confirmation.

Per HIPAA, the FCRA and the privacy act of XXXX, as a federally protected consumer, This violates my right to privacy. This has led to a great deal of emotional and financial stress in my life. I have attempted to contact XXXX on numerous occasions, and have had no success. I want this situation resolved immediately. I have waited to long, and have suffered a great deal of stress already.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

equifax is reporting 2 unknown incomplete information such as NA as item name which stands for nonavailable to an unkown account XXXX and a medical bill with XXXX XXXX AND XXXX XXXX AS A collection while it has been charged off
Consumer complaint received 2024-03-18
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: CAPITAL ONE FINANCIAL CORPORATION (KS)

On XX/XX/2024 I submitted a dispute to Capital One for a charge I had made on my credit card. The dispute was for a refund from a merchant who failed to provide zoo tickets that were to be included with a hotel package that I had booked and paid for with my Capital One credit card. The merchant agreed to issue the refund for failure to provide the zoo tickets and claimed they had issued it back to the credit card. I followed up numerous times with the merchant and they kept claiming it had been issued but it never was so I filed the dispute with Capital One. With my submission I included all of the documentation and correspondence to support my dispute including the direct correspondence with the merchant stating they would, and did, issue the refund. Despite that, on XX/XX/2024 Capital One found in favor of the merchant with the reason 'The merchant provided the following information to support the transaction : Notification that goods were as described and received in good condition. ' That is obviously false because I did not receive the zoo tickets that were included with the hotel package that I booked. The documentation the merchant provided to Capital One was merely a copy of the original hotel receipt. They didn't address or provide any documentation that would support a denial of my dispute and claim for the refund they had promised in writing. Capital One grossly mishandled my dispute by not addressing the core facts and claims that I included with my dispute submission and documentation. As a result, I as the consumer have been harmed and they may have a systemic issue in their disputes process that may harm other consumers like myself.
Consumer complaint received 2022-11-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XX/XX/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 - XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

The customer reporting agency, XXXX, I asked for correct verification XXXX does not tell me who or how was this account verified this account is not reporting the date of last payment. The date of last payment would be the date of the first delinquency. The date of the last payment is not showing or reporting, which makes this account inaccurately verified. The date of the last payment would be the date of 1st delinquency. This account was not verified. Actual proof of when the last payment is needed. Date of last payment received, form of the last payment was it by check or credit card, and time is needed.
Consumer complaint received 2023-12-16
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. (CA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from 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 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 2023-12-16
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: Experian Information Solutions Inc. (NC)

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 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 2024-03-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (PA)

Chase bank closed my account on XX/XX/year> but not telling me the reason, I have called in several times I got tranfer from one department to another department but no one tell me that the moneys left in my account ( XXXX $ ) will be return to me, keep tell me call back in72 hours and it been over 3 weeks
Consumer complaint received 2023-12-16
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXX Balance : {$50.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$7700.00} ; 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