davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
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. (NJ)

i am submitting a complaint about Equifax, XXXX, and XXXX. these credit agencies are improperly reporting information on my credit report. here is a list of accounts that are improperly listed on my account... 
XXXX XXXX balance {$6400.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX balance {$4900.00} opened XX/XX/XXXX XXXX XXXX  balance {$23000.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX  balance {$150000.00} opened XX/XX/XXXX 15 usc 1681b states that you need written permission by me before you can add anything to my report. i never gave permission for this account to be on my report.. PL 90-321 ( 82 stat 146 ) is a law that backs the code and is even stricter than 15 usc =1681b.. 
you are also not allowed to add information that contains transactions.. 
15 USC 1681e also was created to provide more accuracy to these reports and they are violating this code as well. 
they failed to comply the first dispute so i am entitled to {$1000.00} per violation... i have about 10 items that are inaccurate so {$10000.00} seems fair to me for them ignoring my complaint and being willfully non compliant. every company agrees to this law before operating and are clearly breaking the law by not following it. 
they are also violating the Privacy act of 1974 i also never received a privacy notice before they furnished any info to my consumer credit report... 
i was also never provided with an opt out option ... 12 CFR 1016.7 confirms that there needs to be an opt out option. 

15 USC 6802 b states you must give me an opt out notice before anything is added to my report..
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

I've looked at my report and don't recognize these injuries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They have like 15 unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX The ones below are unauthorized. I went to a dealership that was supposed to do in house financing. The share my information without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Bank of America continues it's discriminatory practice against me after over 10 years of living in the United States based on my place of birth and nationality. I am an XXXX XXXX and I have been living and working in the United States as a XXXX  since XXXX. My source of income is solely from my job in the United States, and my spendings has always been confined to the borders of the United States. Bank of America started a campaign of harassment against XXXX  born customers like me since XXXX which continues to this date. I repeatedly provided information regarding my legal residence to the Bank of America over the past 6-7 years. With continued harassments and account restrictions, I was forced to close my checking and saving accounts in XXXX leading to significant financial hardship for me and my family. Unfortunately, I still have to endure the BoA campaign of harassment as I still have two Credit Cards with this institution and since these are my oldest lines of Credit, losing them will adversely affect my credit score at this point of time. Bank of America falsely claims " Like all United States Financial Institutions '' it has to continue this discriminatory practice against XXXX  born customers however I am working with close to two dozen other financial institutions in this country and Bank of America is THE ONLY financial institution with this appalling practice of harassment and discrimination against customers based on their place of birth and nationality. With each request for documents in the past, I filled a complaint with the CFPB and the prior complaint are marked as " company contacted me '' however I have never received any contact from the bank before and their harassments continues to this date unhindered.
Consumer complaint received 2023-10-16
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. (NY)

The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

Account Name : XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : Account Name : XXXX XXXX XXXX Account 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 the following information items. 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. 



please close, delete and remove this account from my credit profile as it was opened and used without my authority as a result of identify theft and fraud
Consumer complaint received 2023-10-16
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. (PA)

This is XXXX XXXX please 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 2023-10-16
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. (TX)

I submitted a letter to the Credit Bureaus to correct 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 XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America representatives insisted that our family use the Cash Reward Card ( rather than the Travel Rewards Card ) because it offered the consumer the best rewards points value. That repeated recommendation from Bank of America management was wrong and over the past 5-7 years cost our family approximately {$1500.00} in cash rewards.

Approximately 10 years ago my wife and I deposited money with Bank of America for the first time. We were planning to travel to visit our daughter doing a semester abroard and were encouraged to transfer all our credit card activity to Bank of Americas Travel Reward Card. Over the past 10 years we estimate that we have had transactions on BoA credit cards ( Travel and Cash Rewards ) totaling approximating {$500000.00}.

Several years later another BoA associate ( whose name I have in file ) made the specific recommendation for us to switch our activity to the ( then new

) Cash Card since our travel had ceased and it was supposedly a better deal. The logic had to do with us being preferred members and therefore able to take advantage of the tiered pricing benefits the Cash Card had to offer. We stayed true to that recommendation ( for approximately 5 years ) until approximately 4 months ago when we happened to meet with yet another informed BoA customer representative who admitted her colleagues gave us bad advice. Even on this day, when one representative told us her colleague had given us bad advice, another colleague in the next cu bicle ( again ) wrongly suggested that the Cash Card was still the best place for our family despite my growing concern that we may
be leaving reward points unrealized. It was as if the line was pre-programmed.

When we finally had our spending habits reviewed it became clear that the Travel Reward Card had been the better deal all along ( e.g. past 5-7 years ). With the facts and data this young lady provided, along with the suggestion that we should put our complaint in writing, we estimated that our lost opportunity not transacting with the Travel Reward Card cost the XXXX family in excess of {$1500.00}.

I have since reviewed the brochures that are given to consumers for compliance reasons. They are extremely confusing and for the lay person I find it very difficult to run comparative analysis on which credit card is best for my family. If this misleading information has been given us could it also be happening with others?
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I'm filing this complaint against Equifax Information Services regarding the XXXX XXXX. XX/XX/2023, I sent a letter to Equifax Information Services by the provisions of the Fair Credit Reporting Act that this item, XXXX XXXX XXXX 
Account Number : XXXX be investigated and removed from my credit report. I demanded that any information the creditor could not provide be deleted. I never received a response from Equifax Information Services. In XX/XX/2023, I filed a complaint with the XXXX XXXX XXXX against XXXX XXXX XXXX XXXX and was issued Complaint ID XXXX, which the XXXX XXXX XXXX stated the following : Dear XXXX XXXX, Re : Complaint ID XXXX ; XXXX XXXX, XXXX We are not able to pursue your complaint because we believe the company is out of business. Your complaint has been helpful in advancing our efforts to report on this company. 
If you wish to pursue this issue further, you should contact a legal advisor, your state 's Attorney General 's office, or your local consumer protection agency. If you have any questions about this issue, please do not hesitate to contact us. 


Based on what the XXXX advised, I chose the third option and filed a complaint with the Consumer Financial Protection Bureau because I believe Equifax Information Services used a stall tactic to border not following the law.
Consumer complaint received 2020-04-08
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of 2020 I paid off my Chase credit card in ( # XXXX ) full. I have not used that card since and didn't not receive any email statements so I didn't know I had a balance from some online subscriptions. At no point did Chase contact me to let me know that I had a balance and the account went past due with fees ( nor was anything posted online ). Although the statement was posted online, there was no email notification as typically is done. The account continued to be past due ( with no knowledge of myself ) and they called me today that my account was 60 days past due. I called and made arrangements to pay off the account in full again, but the damage had already been done to my credit. I have never made a late payment in the 4   years  i've been with them. I paid off my balances in full. They will not act in goodwill and remove the reporting, even though I was not notified. 

Furthermore, I went to the XXXX website and it says creditors can remove credit reporting. Chase said that is not true and there's nothing they can do. This information is include on all credit reporting websites though. I feel like the lack of notification ( even though they say it went through on their end ) is not correct and they have ruined my credit.
Consumer complaint received 2023-10-16
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. (SC)

It has been drawn out into the open that you 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. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-16
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: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. 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 Balance Owed : {$44000.00} ; XXXX XXXX Balance Owed : {$44000.00}.
Consumer complaint received 2024-04-05
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. (TX)

The existence of this account has caused me significant XXXX to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-04-05
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. (NC)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attached is my ftc police report, ID and fcra 605B
Consumer complaint received 2023-10-16
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. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


OPEN : Account Name : XXXX XXXXXXXX Account Number : XXXX CLOSED : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY XXXX XXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2020-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (HI)

XX/XX/2020 Online Transfer our joint checking account {$5000.00} to CHK ... XXXX ( my wife 's new XXXX  checking account. ) transaction # : XXXX In the joint checking account, the transaction was done, the money has already been transferred. 
But Chase sent a letter shows my wife 's new XXXX  checking account have {$0.00} balance, the money did't transfer to it. And her online account access has been locked. 
Called several times to Chase ( every time need wait 1-2 hours ), explained we are at Hawaii, without any Chase branch here. Due to COVID-19, hawaii government prohibit people travel to other states. 
But they insist my wife need go to Chase branch to deal with that. 
We don't know what to do. Can you help us with that?
Consumer complaint received 2023-10-16
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. (NY)

This is my numerous 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
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (IL)

Hello, I received a {$30.00} Vanilla Visa gift card in XX/XX/2022. I recently got around to opening and using the card, and when I opened the packaging, the card had four of the digits scratched out. I still have the packaging and called XXXX customer support to try to get the other four digits to be able to activate and use the card online/in-store, but all they did was deactivate my card. They asked me to ask the person who gifted me the card for the receipt, but they no longer had it since it was so many months ago. The customer support agent then asked me to ask if they knew the store that they had purchased the gift card from, in which they said XXXX or XXXX. I called XXXX to see if they would be able to search for a receipt with the barcode on the gift card packaging, and they said they can only do that if I know the exact day it was purchased, an estimated time it was purchased, and it must have been purchased from that exact XXXX location. It seems almost impossible to receive my {$30.00} and be able to spend it simply because the XXXX card was damaged inside of the non-damaged packaging. There is no way to get the receipt, and I still have the packaging of the card to show all of the other information. The customer support agent also verified that the card did have the {$30.00} on it since they then deactivated it, so now that money is sitting and I am simply unable to use it.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.