davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX was never late! I have had exceptional payment history with 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 XX/XX/year> to XX/XX/year> 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. 


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
Consumer complaint received 2024-01-12
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. (CA)

Violation of FCRA 611, Debt Collection Harassment, and Sharing of Information with XXXX XXXX  Contrary to 15 U.S.C. Sections 1692d, 1692i, and 1692c Dear Equifax Information Services, I am writing to address a matter of significant concern regarding the accounts that I have reported as fraudulent to the Federal Trade Commission ( FTC ) and subsequently requested investigation under FCRA 611 ( 15 U.S.C. 1681I ). It has come to my attention that there are discrepancies in the handling of these accounts, which directly violate the rights guaranteed under this section of the Fair Credit Reporting Act. 

Not only has there been a failure to comply with FCRA 611 in rectifying these accounts, but I have also noted the absence of any proof of verified accounts in the documentation provided. The utilization of the e-OSCAR system, without providing tangible evidence or verification of the reported accounts, raises further concerns regarding the legitimacy and accuracy of the reported information. 



Additionally, I am deeply troubled by the actions of debt collectors associated with XXXX XXXX, who have been incessantly contacting me using my current information, amounting to approximately 15 calls daily. This relentless and harassing behavior violates the protections afforded to consumers under 15 U.S.C. Sections 1692d, 1692i, and 1692c of the Fair Debt Collection Practices Act ( FDCPA ). 



Moreover, it has come to my attention that the information shared through credit bureaus like Equifax has potentially facilitated this harassment by providing my current contact details to debt collectors. Such sharing of inaccurate or unverified information with XXXX XXXX, leading to their persistent and unwarranted contacts, is in direct contradiction to the requirements outlined in 15 U.S.C. Section 1681, which mandates accurate reporting by credit bureaus to prevent the dissemination of misleading or false data to debt collectors. 



As per FCRA guidelines and the FDCPA, I am formally requesting : Immediate rectification and removal of the reported fraudulent accounts. 

Tangible proof or verification of these accounts within five ( 5 ) days of your receipt of this correspondence. 

Cease and desist of any sharing of inaccurate or unverified information with XXXX XXXX. 

Immediate cessation of harassing calls by their associated debt collectors in line with FDCPA provisions. 



Please be advised that persistent contacts from XXXX XXXX based on false or unverified information reported through Equifax may result in a violation of FCRA codes, potentially leading to an immediate payout of up to {$1000.00} due to contacting me on accounts deemed fraudulent. 



I urgently request your prompt attention to these matters and expect a comprehensive and lawful resolution as per the guidelines outlined in the FCRA and FDCPA.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Hello, my Bank of America account has been closed XX/XX/year> due to what the said was fraudulent activity. I did not have any fraud activity on my account. When there was a couple years ago I had to get a whole new account. Now It is reporting badly on my social which has frozen my account with XXXX XXXX. Every time I speak with XXXX XXXX its a different person and someone says something different each time. This time the young lady told me to make a report here about my account being taken down. Also the young lady stated on the phone that I do not owe bank of America any money. Which also is confusing to me because if I committed fraud I would owe money.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (CA)

I have been receiving statement balances, advertising, and other personal information via email for another person and their XXXX XXXX Credit Card with Citi Bank. I do not have a Citi Bank account and have been unable to unsubscribe from these notifications. I just spent an hour on the phone with their customer support and they refused to remove my information from their accounts or give me an avenue with which to resolve this issue. I simply do not want them to be sending me this email along with another person 's personal information.
Consumer complaint received 2024-01-17
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. (GA)

Equifax data breach in 2017 I am writing to address a serious matter regarding the data breach. It has come to my attention that my credit report has been reflecting several instances of fraudulent activity, specifically the opening of a credit card from XXXX XXXX with a balance of {$1400.00}. 

I have taken the necessary steps to rectify this situation by providing proof of the Equifax data breach in 2017, as well as an Identity Theft report. Additionally, I have attached a dispute letter pertaining to the fraudulent credit card and evidence of the deletion of all related inquiries from all three credit bureaus.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello my name is XXXX XXXX and there is inaccurate information on my account from XXXX XXXX ( XXXX XXXX ). Which was placed on my account on XX/XX/year> in the amount of {$13000.00}. According to passages 15 USC 1681 Section 602A. States that I have the right to privacy.

15 USC 1681 Section 604 Section2. States that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16666b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment.
Consumer complaint received 2023-03-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Freedom Mortgage Company (FL)

The Original mortgage was discharge and account was closed. Now this current company is trying to collect as a third party collection. I sent them a debt validation notice, and have not responded to my demand to confirm the alleged debt. They have completely ignore all my demands in my debt validation notice. I requested a cease and desist until they confirm the alleged debt, and they still are harassing with letters and emails, attempting to bind me under contract.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My funds from a check for XXXX have been on hold for over a month ( which is illegal ). I have told them several times I have documents showing the funds are legit, but they refused to accept them, and they refuse to deposit the funds. Now they are closing my account and still wont give me my funds! I requested my {$2800.00} to be mailed overnight in a check, or allow me to get it from a capital one bank myself! They say they will close my account, but keep my funds until XX/XX/XXXX, then possibly mail me a check.
Consumer complaint received 2024-01-17
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. (NC)

To whom it may concern : I am writing to formally dispute information on my credit report, as provided by your agency, under the provisions of Section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ). I request a comprehensive investigation into the following items as it reports as an error and possible fraudulent on my credit report : XXXX XXXX XXXX Account Number : XXXX I request that you investigate this matter and correct or delete the disputed information from my credit report in accordance with the FCRA XXXX 

Also, in accordance with FCRA, I am requesting that you remove the address entry obtained to the associated items on my credit report and that you provide me with a written report and all original documentation detailing the results of your investigation and any actions you have taken to rectify the inaccuracies within 30 days from the receipt of this letter.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

I ordered XXXX  flight tickets through Chase Travel on XX/XX/XXXX from XXXX to XXXX Everything looked good on my end. The email said " You are all set '', the money was deducted from my credit card, and the airline started to track the airline status on the Chase App. Then on XX/XX/XXXXXXXX I went to the airport, the airline said they never received the order from Chase. Then I immediately called customer service, spending XXXX hours, paying the international roaming fee, to call them anxiously. Because I have a contract waiting for me to sign, my cat was sick and my husband had clients waiting for him. All the customer service of Chase did was to shift the blame to the airline but not to take the valuable time to book new tickets for us. In the end, I paid triple the costs to the airport counter, and the airline was delayed, I spent XXXX  hours to get home and lost my contract. My husband lost his clients as well. I don't blame Chase for the rest part. But it's a chain effect started by Chase. 

I contacted Chase Travel customer service when I back home. The call always gets disconnected, just like when I was in the XXXX airport. Chase apologized immediately but still, the customer service insisted its airline canceled the flight and said whether I could be refunded depended on the airline company. And it will take XXXX  days! 

As a XXXX XXXX, they didn't do their job to give me the tickets. Flight cancellations often happen, and I don't blame that part. But at least they should have informed me and refunded me the tickets immediately. I posted this experience with Chase online, and I found a lot of people experienced the same things. The booking system was terrible and customer service is good at shifting the blame and hanging up the call. 

From my point of view, we, as customers, shouldn't be caught in the middle between Chase Travel and Airline. Chase Travel, as the booking agent, should refund us the canceled ticket as well as the out-of-pocket expenses immediately. If you checked social media, such as XXXX ( XXXX ), XXXX, XXXX, and other languages social media, the same thing happened to a lot of people, who ordered their tickets through Chase Travel and couldnt get notifications of their canceled flights. I attached a link ( XXXX XXXX XXXX ) that happened XXXX years ago and some audiences comments under my social media. We trusted Chase Travel so much, and look what we get from them. A fake apology and blame shift. Thank you so much for the time to read this. It's been a tough time for me and my family.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Subject : Complaint Regarding XXXX, Equifax, and XXXX Violating Metro 2 Compliance Standards Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, Equifax, and XXXX, collectively referred to as the credit reporting agencies, for their violation of Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). It is my belief that their actions have resulted in inaccuracies and inconsistencies in the reporting of my credit information, adversely impacting my credit reports. 

Inaccurate and inconsistently reported Accounts Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the Violations : 1. **Metro 2 Compliance Standards : ** The credit reporting agencies have failed to comply with Metro 2 standards, leading to inaccuracies and inconsistencies in the reporting of my credit information. These inaccuracies include [ provide specific details of inaccuracies and violations observed ]. 

2. **Fair Credit Reporting Act ( FCRA ) : ** The credit reporting agencies have violated the FCRA by reporting inaccurate and inconsistent information. These violations have negatively affected my creditworthiness, causing undue financial hardship. 

Resolution Sought : I request a thorough investigation into the credit reporting agencies ' compliance with Metro 2 standards and the FCRA. Specifically, I am seeking the following resolution : XXXX. **Deletion of Inaccurately and Inconsistently Reported Accounts : ** I request the immediate deletion of all inaccurately and inconsistently reported accounts from XXXX XXXX Equifax XXXX and XXXX. This action is crucial to rectify the inaccuracies and inconsistencies and to restore the accuracy and fairness of my credit reports. 

I appreciate the Consumer Financial Protection Bureau 's commitment to consumer protection and fair credit reporting. I trust that your investigation will lead to a resolution that upholds the principles of Metro 2 compliance and the FCRA. 

Thank you for your prompt attention to this matter. I am enclosing supporting documentation, including copies of my credit reports and any relevant correspondence with the credit reporting agencies. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (VA)

Citi offers " XXXX XXXXs '' to allow consumers to take out a short term loan to fund specific purchases. 

Previously, the interest rates were shown in the disclosures. Now they are bundled into a " Plan Fee ''. 

Regulations as I understand them require the payments to be allocated to high interest loans first. 

On changing the terminology to " fee '' the companies are now allocating the payments to plans with an interest first and a " fee '' second resulting in higher interest payments. 

I paid down {$8000.00} in XXXX to pay off all my high interest plans. Citi paid off a low interest rate plan first and have refused to allocate the payments to the " fee '' plan. 

I called them today XX/XX/XXXX to confirm.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2024-06-19
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. (DE)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized 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
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my tederaily protected consumer rignts to privacy and confidentiality under 15 USC 1681. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

My complaint is against ChexSystems. They are currently reporting derogatory banking information from XXXX XXXX that is more than XXXX XXXX XXXX. This is in direct violation of their own policy posted on their website that states " Our current practice is to retain record of reported information for a period of XXXX years from the report date unless the source of the information requests its removal or ChexSystems becomes obligated to remove it under applicable law or policy. '' I am requesting that they honor their policy and remove this negative information from my report, as it is negatively impacting my chances of getting approval as I was denied from opening an account with Truliant today XX/XX/23 and their reason for doing so is because of my inaccurate Chexsystems report.
Consumer complaint received 2023-04-02
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (VA)

Dear XXXX XXXXt I am writing to bring to your attention that I have not received a Form 1099-C from your company for the cancelled debt that I owed to you. As per the IRS regulations, creditors are required to report cancelled debt of {$600.00} or more to both the debtor and the IRS by filing Form 1099-C. 

I am aware that you have written off the debt that I owed to your company, which makes me eligible to receive a 1099-C form for the tax year in which the debt was cancelled. However, I have not received any such form from your company, which puts me in a difficult situation with regards to my tax filing obligations. 

I would appreciate it if you could please send me a copy of the 1099-C form for the cancelled debt as soon as possible so that I can properly report it on my tax return. Failure to do so may result in penalties and fines imposed by the IRS. 

Thank you for your attention to this matter, and I look forward to receiving the necessary documentation from you soon.
Consumer complaint received 2024-01-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BMW Financial Services NA, LLC (WA)

I was leasing a car from BMW. Payments were 100 % current. the car was totaled in an accident. My insurance company valued the car at current market, and asked BMW for the payoff of the lease obligation. Insurance paid them within a few days and sent me a check for the difference minus my deductible. BMW later came back and claimed they were entitled to the equity and refused to apply the payoff check received by insurance. My attorney advised me that according to the lease document, i was entitled to the equity which was created by my substantial down payment at the time of the lease commencement and the Covid-created market conditions that increased the value of the car. BMW can not convince me that if someone leases a car valued and insured for {$50000.00} and the customer put down {$10000.00} and signs a lease calling for payments based upon the residual value of {$40000.00}, and the following week, the car is totaled and valued at {$48000.00}, and the insurance company agrees to pay market value so they send {$40000.00} to pay off the lease, then the {$8000.00} equity will also go to BMW? I don't think so. The outstanding balance that BMW claims I owe has now been sent to collections and my credit score has been reduced by about XXXX points. that is not fair and its not right.