davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (WA)

About a month ago, I visited my local chase bank ( whom Ive done business with for about 10 years now ) and applied for a bigger credit card ( my current one has a XXXX limit ). The supervisor sat down with me and called the underwriter and had them on speaker phone, they asked all the questions and finally got to the question of income. I responded with I am XXXX XXXX XXXX, and receive XXXX a month in va compensation and they responded ok, so, unemployed and the supervisor kinda sat back into his chair looking confused. I said no, I have XXXX XXXX XXXX through the va, and its total and permanent they said ya, unemployedand Im sorry sir but your application has been denied, goodbye and hung up. The supervisor looked me square in the eye and said you might wan na find yourself a different bank and shook my hand and I left humiliated.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

In XX/XX/2023 I paid my credit card balance to XXXX XXXX in full. This isnt the first time they pull this. I received a notice from XXXX XXXX that the reported I was delinquent. When I called them they said a XXXX charge hit the account shortly after I paid in full despite me having called them and now Im two payments behind of XXXX each which are late fees attached to the XXXX fee that hit. I called them when I paid to make sure it was all caught up. This is a shady practice by cards that do this when you arent paying attention. I wont pay them because I made sure I wouldnt get charged again as they had done in the past. And here we are. They did it again
Consumer complaint received 2018-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2018 I made a transfer from my bank of america application on my phone to my wedding photographer XXXX XXXX XXXX ' for the amount of {$2500.00}. 

I called to confirm the transfer which bank of america told me it went through to the XXXX account assoiciated with his number phone. I let XXXX know and he said there is nothing in his account nor anything is pending. 

I then contacted the bank again and they said it takes a few days for it to go through so I left it alone as I was on my honeymoon. After following up with XXXX there was still no money pending in his account. 

I then filed a investigation to see where the funds went. I got off the phone with them today XX/XX/2018 at XXXX and they told me that the person that has the funds will not release it back and that there is nothing I can do. 

I called bank of america and they are not willing to get my money back and simply told me there is nothing they can do and for me to take legal action. I have filed a IC3 report and will be going to file a police report also.
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (NV)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-16
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: EQUIFAX, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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)

I submitted dispute through Experian online portal on XX/XX/XXXX at XXXX XXXX regarding inaccurate/ incomplete balance history for accounts listed below. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Dept of Ed ) XXXXXXXX XXXX XXXX XXXX Its safe to say a thorough reinvestigation was not completed since ALL accounts reported back as verified/updated XX/XX/XXXX at XXXX XXXX, but all accounts appear to be reporting the same discrepancies. I am asking to be provided with ALL ACCOUNT LEVEL DOCUMENTATION that was used to verify accounts in dispute between the furnisher and credit reporting agency. Pursuant to the FCRA " Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information ''. Said companies is in violation of 15 USC 1681S-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. In addition, said companies are in violation of Privacy Act of 1974.
Consumer complaint received 2024-03-19
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)

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 XXXX Account NumberXXXX Account Name : 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 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MN)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-19
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: Experian Information Solutions Inc. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-07
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: Exeter Finance, LLC. (GA)

In accordance to fair credit reporting act my privacy have been violated 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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (CA)

A charge off is considered a certificate of indebtedness which means it is income and must be removed. I request that Account XXXX reported by XXXX XXXX XXXX be removed immediately from my Experian Credit Report. According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I request Experians assistance in deleting the the charged-off account associated with my account. 
Per 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. Exeperian reporting this adverse information furnished by XXXX XXXX XXXX is NOT a record of conviction or crime that antedate the report by more than 7 years therefore Experian is in violation of my rights under the Fair Credit Reporting Act 15 USC 1681 and the Privacy Act of 1974. No adverse item besides the conviction of crimes should be on my report and any item that is a derogatory mark is not allowed into consumer reports, this is another violation.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative XXXX XXXX Balance Owed {$0.00} XXXXXXXX XXXXXXXX Balance Owed $
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-19
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)

I had a XXXX XXXX miles and More card that that was lost. I called to cancel the card and request a new one. they said that they did this but it would take at least 2 weeks to receive my card. I paid my bill in full and waited but a card never came. I called again they apologized for the mistake and said they would send the new card out. this card I also never received. 

Then I received a notification that my payment was late for this card. I thought it was strange since I had still not received my replacement card. The company had charged me for an annual fee but still had not sent me the replacement card. I called and said I want to cancel the card since they had not done what they had promised and the call center assured me that they would waive the fee and apologized for the inconvenience. 

When I received a late payment on my record and still hadn't received my card I called again and informed the XXXX XXXX call center to cancel the card and inform them that it was in violation of the terms and conditions of the account to charge me the account fee when over the course of 4 months they had still not supplied me with the card I can use. not even a digital wallet card. 

They agreed and informed me that the contract would be terminated. 

for 6 successive months I received notifications of non payment until finally XXXX XXXX held up to what they promised and canceled the balance and the card. 

However, the notifications of late payment have stayed on my record and dropped my score more than 100pts. 

I want them removed and my score restored.
Consumer complaint received 2024-03-19
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. (VA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXXXXXX Account Number : XXXX, and Account Name : XXXX Account Number : XXXX.
Consumer complaint received 2024-03-19
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: Experian Information Solutions Inc. (CA)

I hope this letter reaches you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of the inaccurate negative entry persisting on my credit report across all three major bureaus. Despite my repeated attempts to rectify this matter, the lack of action on your end is unacceptable.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called into credit union and requested my credit report and I noticed that had some hard inquires on my report. I called in a wanted them removed because and they are incorrect and they don't have permissible purpose. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

REPORTING ME TO THE CREDIT BUREAU AS DELIQUENT FOR 120 DAYS. I SET UP MY ACCOUNT ON A IN HOUSE ON A PAYMENT PLAN. XXXX  WAS TRYING TO PULL THE MONEY FROM THE WRONG ACCOUNT, I CALL EVERY MONTH TO UP DATE MY ACCOUNT INFO BUT XXXX XXXX  KEEPS REPORTING ME TO THE BUREAUS AS DELIQUENT. IT WAS NOT EXPLAINED TO ME THAT IF YOU SET UP A PAYMENT PLAN, AND YOUR ACCOUNT WAS NOT UP TO DATE, THAT THEY WILL STILL BE REPORTED YOU LATE IF YOU OWED A BALANCE. IT HAS NOW BEEN RESOLVED, SO XXXX IS GOING TO UP DATE EVERYTHING ON THEIR END AND FILE A DISPUTE TO BRING ME CURRENT. I JUST NEED IT TO BE UPDATED ON ALL 3 BUREAUS.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts incorrect that needs to be deleted : XXXX XXXX - Account # XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) - Account # XXXX XXXX XXXX XXXX ( original Creditor : XXXX ) - Account # XXXX XXXX- Account # XXXX
Consumer complaint received 2024-03-19
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

Portfolio Recovery is in blatant violation of The Fair Debt Collection Practices Act 1692 ( e ) ( 8 ) which prohibits a debt collector from communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a debt is disputed. 

XXXX XXXX FAILED to comply with the requirements under FDCPA 1692 ( e ) ( 8 ) which is a very serious violation because it failed to mark an account in dispute that it acknowledged receipt of on XX/XX/XXXX. 

I have sent a screenshot with part of my Experian Credit File, Report XXXX XXXX for. XX/XX/XXXX. 

I demand this account be deleted due to their failure to mark account in dispute or I may take legal action.