davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

Equifax continues to report information that is on my credit report up to XXXX XXXX XXXX some items that never fall off and I can't get them to remove. They don't investigate it properly they don't respond within a timely manner they don't give me clear information and one item which I have attached an example of is very old. These companies give them limited information like they don't tell them on the account is closed they just keep updating things and one is over XXXX XXXX XXXX. I want them removed immediately. It shouldn't still be on there. There is a student one that was paid for and paid off over 15 years ago and it's still on my account.
Consumer complaint received 2023-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (TX)

I called Avant in XXXX because I thought I enrolled in autopay and was charged a {$25.00} late fee so at that time I was ensured I was in enrolled in XXXX. XXXX comes around and I see I was charged {$35.00} for a late fee and they canceled my auto pay payment without me knowing. The agent XXXX that I spoke with said I was sent an email on XX/XX/11 around XXXX that I dont not see in my primary email folder. If it went to my spam I dont look there and automatically delete it if Im not expecting anything. But needless to say I was assured that my auto pay was setup so if they had of taken it out my account my payment wouldnt have been late and I wouldnt be asking for the late fee to be waived. As of today XX/XX/11 I did go in and cancel my auto pay.
Consumer complaint received 2023-12-08
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. (GA)

Dear CFPB, I am writing to express my dissatisfaction with the resolution provided by Equifax and XXXX concerning my credit report disputes. I believe their closure of my complaints lacks strong verifiable proofs and has left me in a state of frustration. 

Both Equifax and XXXX have informed me that the disputed accounts were considered valid, yet their explanations indicated uncertainty due to a lack of response from the furnishers of information. In contrast, XXXX has taken a different stance, declaring the disputed account as current and invalid. The inconsistency between these credit bureaus is causing significant distress and has led to the continued reporting of unverified and invalid information on my credit files. 

This situation is undeniably unfair and reflects a lack of diligence on the part of Equifax and XXXX. Their failure to thoroughly investigate and resolve discrepancies in my credit report is not only disheartening but also has tangible consequences on my financial standing. 

I kindly request the Consumer Financial Protection Bureau 's intervention in reviewing and addressing this matter. I believe that a comprehensive and unbiased investigation is necessary to rectify the inaccuracies in my credit report and ensure fair reporting by all credit bureaus involved.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NV)

I am writing to file a complaint about a failed ATM deposit that occurred on XX/XX/2023 at XXXX at a US Bank ATM XXXX I attempted to deposit {$1000.00} in cash into my XXXX XXXX ( XXXX ) checking account. However, the deposit failed, and the ATM did not return my {$1000.00} cash. 

After the failed deposit, I contacted both US Bank and XXXX to resolve the issue and retrieve my money. However, I have been unsuccessful in my attempts to retrieve my funds through either of these channels. I have provided documentation of my failed deposit to both institutions, but they have been unable to provide any resolution or explanation. 

I believe that the ATM malfunction or system error is to blame for the failed deposit and the loss of my funds. It is unacceptable that neither US Bank nor XXXX have been able to resolve this issue and return my funds. 

I am now seeking your assistance in resolving this matter. I am requesting that the CFPB investigate this failed ATM deposit and take appropriate action to ensure that I receive my {$1000.00} back. Additionally, I would appreciate any support you can provide to hold US Bank and XXXX accountable for their failure to resolve this issue. 

I have attached all relevant documents and information related to this failed deposit, and I am willing to provide any further assistance or information as necessary. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2017-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (FL)

Our repeated attempts, numerous times daily, at all different business hours of the day and night, to reach Equifax, to comply with Equifax 's own instructions either online, by phone, or in writing, to place a Credit Freeze on our accounts have gone unanswered and ignored since XXXX XXXX 2017.
It took us only 5 minutes to complete this process on XXXX 's website and only 8 minutes on XXXX 
It is outrageous that this company continues to behave in such an unprofessional and cavalier fashion given the serious nature of this data breach.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I called my bank, Chase, to ask them why hadnt I recieved my deposit that I was expecting today. They then informed me than my account has been restricted. I asked them what that meant, and I was told that my account is being permanently terminated because they can not maintain it and that I signed an agreement stating that they could close my account for any reason they felt necessary. I tried to explain to them that I had lost my job, car was broken down, car shop did a bogus job and my car still has problems even after I paid them {$1500.00} and my insurance paid them {$1600.00}. So I tried to dispute the {$1500.00} payment, explain and fax them the paperwork, but that only lead to them thinking I was being fraudulent. So now my account is closed and they are saying there is nothing I can do about it but come pick up the remaining funds from a local branch.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

My wife and I recently opened a Chase checking account using my kids birthday money so that we could fund two special debit cards they offer for children. After relatively little activity and not much either being deposited or withdrawn from the account I received a letter from Chase stating that after a periodic review they have decided to close the accounts, including my children 's two debit cards. They can not provide any reason whatsoever to why they decided to do this. I can't help but feel that they make it seem as if we did something wrong or shady, which makes it all the more frustrating because there is no way we could defend ourselves. It actually feels very much like discrimination.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-12-08
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. (CA)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-12-09
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: Adler Wallach & Associates, Inc. (CA)

XXXX is reporting a collection on my credit report by the name of AWA Collections for the amount of {$440.00} I've been disputing this collection since XX/XX/XXXXXXXX  I have no knowledge of this debt and XXXX investigation came back verified, which i disagree therefore i took matters in my own hands called the creditor asking for a purchase agreement with my signature gave them ample time and never received it, i also advised them I'm a victim fraud. Again I reached out to XXXX  to dispute and asked them to provide proof of investigation since I've been disputing it going on 6months and they also couldn't provide it. I've also provided them with my FTC report. 
I've disputed various items on my credit report due to my identity being taken in XX/XX/XXXXXXXX  that is reported on my FTC along with the police report and they have failed provided me proof of their investigations to those fraud items.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

Subject : Formal Complaint Regarding Unauthorized Transaction Dispute Dear Chase Bank Customer Service, I am writing to formally file a complaint regarding an unauthorized transaction on my account, which Chase has erroneously attributed to me. Despite my clear communication that I did not authorize this transaction, Chase has denied my request for a refund. 

The unauthorized transaction details are as follows : Item Number : XXXX Order Number : XXXX Amount : USD XXXX I contacted the merchant, XXXX XXXX and they provided proof that my account was compromised and that the transaction was unauthorized. They canceled the transaction and confirmed that it was not authorized by me. Please see the attached email from XXXX Customer Service for your reference :
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (FL)

Amex offered me a new credit card XXXX. Our business already has a XXXX and a XXXX with outstanding history. The advertisement offered included spending {$10000.00} within 3 months of opening to get rewards, however, AMEX declined transactions and, when contacted, informed me I only have left about {$200.00} after spending no more than {$1500.00}. Customer assistance informed card does not have a pre-set limit which is not true as well. Now I have a card that charges {$300.00} for an annual membership, which was offered to me with rewards I can not achieve cause it does decline transactions and set an incompatible limit to the offer and to our business profile. I can cancel the 3 cards under XXXX XXXX.
Consumer complaint received 2023-07-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery needs to PROVE they are NOT violating Michigan law by NOT having a license to do business in Michigan According to multiple Government reporting agencies, Portfolio Recovery Associates Inc is NOT licensed to do business in my state of Michigan. Therefore they are doing business ILLEGALLY and therefore are not allowed to pursue me or any accounts in my name in my state. 

Portfolio Recovery needs to PROVE they are NOT violating Michigan law by NOT having a license to do business in Michigan
Consumer complaint received 2017-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NY)

this company is trying to collect an unknown debt, I requested verification and validation of this debt including a signed contract of me agreeing to pay this debt. not only did this company not provide it, they are reporting this to my credit which is violating several laws. 
It is also reporting twice on mt trans union report.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

My XXXX XXXX is XXXX, i have closed my credit card of XXXXXXXX XXXX  and paid all the dues but still the Experian and XXXX reports shows that I need to pay pending dues. This is impact my credit score alot where as cibil has updated it as a closed account. The dues were paid before 3 months and from last 2 months i'm raising disputes to Experian and XXXX but not help.this is effecting my credit score alot. Please find the attached XXXX  from my XXXX XXXX XXXX in the below.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 2023-12-08
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: EQUIFAX, INC. (MD)

I am writing to follow up on my previous dispute regarding unauthorized hard inquiries on my credit report. Despite my initial complaint, I have not received any correspondence or notification confirming the removal of these inquiries from my credit file. What I received was a response that your agency stated these inquiries as verifed. How could you say an inquiry as verified if that has no consent from the consumer?!
Consumer complaint received 2023-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: A.R.M. Solutions, Inc. (GA)

I am a victim of identity theft, and I have taken appropriate steps to rectify the situation. I have also submitted an Identity Theft Affidavit with the Federal Trade Commission ( FTC ). As a result, I have been issued an Identity Theft Report [ XXXX ] by the FTC, which confirms the identity theft incident. I informed A.R. M. Solution that the Dept is not mine.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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.

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 2024-04-14
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. (IN)

Subjet : Removal of Disputed Account To whom it may concern, I am writing to formally dispute a collection account on my credit report, which is being reported by XXXXXXXX XXXX XXXXXXXXI am exercising my rights under the FCRA law, specifically the provisions outlined in Section 611 regarding the accuracy of information. Upon reviewing my credit report, I noticed the presence of XXXX XXXX XXXXXXXX dated open XXXX XXXX. I have never entered into any contractual agreement with XXXXXXXX XXXX XXXXXXXX. I did not authorized or gave my consent to them to act on my behalf in any financial matter. This claim is erroneous and I have sent XXXX and XXXX a cease and desist letter. I am requesting the credit bureaus to provide me with the complete documentation they received from XXXXXXXX XXXX  XXXX regarding this alleged debt and a signed contract with my signature that bears my name on it. If the credit bureaus can not produce the information to me, they shall promptly remove the disputed accounts from my credit report within XXXX days. I am also disputing XXXX XXXX XXXX legal authority to collect a debt in my state. I am not liable for for the debt in question. I never received any goods or services from XXXX XXXX XXXX. XXXX XXXX  XXXX is inaccurate and violates the provisions of the FCRA. I am prepared to all necessary legal rights if this dispute is not handled in accordance with the provisions of the law. I have sent in all the proper documentation to get this account removed. 
Tracking Number:XXXX Sincerely, XXXX XXXX
Consumer complaint received 2023-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.