davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
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 — Was not notified of investigation status or results
Company: Aqua Finance, Inc. (GA)

Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. 

XXXX XXXX XXXX is reporting inaccurate information on my XXXX credit report. I have requested numerous investigations into this matter, one as recently as XX/XX/2023. I have not received any communication regarding this matter which is a violation of the law mentioned above.
Consumer complaint received 2023-06-24
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: Experian Information Solutions Inc. (AR)

I am XXXX XXXX XXXX and I am submitting this complaint myself. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? These mentioned items should be deleted right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX After reviewing my credit profile, this account is tremendously hurting my score. XXXX XXXX XXXX is still showing open when it has been paid and closed in entirety. They are also reporting an inaccurate balance and payment history amongst all XXXX bureaus which is in clear violation of federal law. They are violating my consumer rights by reporting false information to my credit report. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete This account needs to be deleted immediately
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

My daughter had a checking and savings account and her and I had a joint checking account. On XX/XX/XXXX XXXX I noticed a large amount transferred from my daughter 's accounts into the joint account. I asked her if she did this and she said no. She then did a transfer back into only her accounts. On XX/XX/XXXX XXXX I noticed all the money in the joint account gone. I immediately went into Chase bank and initiated a claim. The personal banker could see that a wire transfer had been initiated by someone neither my daughter or I know out in XXXX Florida. My daughter ( lives in a different state ) went to a local branch and initiated a claim as well. The wire transfer was for {$12000.00} to a XXXX XXXX. Over the ensuing months we both had to repeatedly file the same paperwork. No response was coming from Chase. We had it expedited several times. Finally on XX/XX/XXXX my daughter received a check in the amount of {$6700.00}. This is {$5800.00} short. We continued to try to have the rest of our stolen money back from Chase and they refuse.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (GA)

I was billed for an XXXX stay in XXXX of XXXX for around {$880.00}. During this stay I had to come out of pocket for things that were to be in the unit. And for other things, I just didn't have during my stay even though they were advertised. I requested a refund of {$100.00} ... to cover out of pocket expenses. The host approved the refund but I believe there was a typo as it was only {$1.00}. XXXX will ONLY allow you to escalate from there directly to them. I did just that. XXXX refused to assist, I was passed to so many different representatives and told so many different things that after 2 weeks I decided just to dispute the amount with my Barclays card. After submitting my dispute online, I was told by a representative to submit the correspondence either with fax or mail. I have not had a fax since XXXX so I mailed it over a month ago. I messaged them in their secure messaging asking for confirmation one way or the other if they received the physical copy that had receipts/correspondence to back my online dispute and they refuse to give me an answer on whether they would assist with this dispute and protect my purchase. I was never even credited the amount while being looked into. I have had contact about this issue with Barclays no less than 5 times ( online, messaging, phone/chat ). I will have this card paid in full within the next week and have locked it from any other use but I still want my {$100.00} back on my purchase/refund, they can mail me a check. I have attached the dispute in print ( only taking out my full account number ), along with all of the info I send to them including my receipt. Please let me know if there is anything further you need from me.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (MN)

On XXXX, I deposited a check for {$860.00} to my checking account at the XXXX XXXX XXXX XXXX. I also requested {$500.00} cash at the time, resulting in a net deposit of {$360.00}. The teller, XXXX XXXX, gave me the receipt upon completion on the transaction, but I did not initially review it. 

On the evening on XXXX, I reviewed my transactions online and realized the {$360.00} deposit was not showing at all. 

I looked at the deposit slip and noticed that XXXX XXXX somehow deposited the funds to someone elses account in error. My account ends in XXXX, and the funds were deposited to an account ending in XXXX. Not even close. Please see the attached deposit slip for additional details. 

On XXXX, my son assisted me and we went to the XXXX XXXX XXXX branch at XXXX to speak with a personal banker and resolve this bank error. Upon entering, it should be noted it was extremely warm and uncomfortable. I observed the thermostat was at XXXX degrees. I asked to speak with a personal banker. The response from an employee XXXX XXXX, was that I could get in line and speak with him at the teller station. After a XXXX minute wait, I spoke with XXXX. It is also worth mentioning that XXXX wore a faded XXXX logo brand red shirt. No U.S. Bank logo, and certainly not a dress code I expected a personal banker would have. 

I explained the situation to XXXX, who confirmed the error was human error by the teller XXXX XXXX. Apparently the person that received the funds was named XXXX At the time of the deposit on XXXX, both the account number and the customer information/name on the computer screen should have been checked. Multiple serious mistakes were made. XXXX called over his manager XXXX XXXX, who was not wearing a name tag. XXXX confirmed the error to, and provided me a receipt ( attached ) that was poorly written and not exactly official. She stated that XXXX was new and mistakes happen, but he did not appear to be receiving training when I made the deposit, nor have I experienced this issue in XXXX  years. My son has worked at U.S. Bank for 7 years and never experienced that. 

Asking about what can be done to compensate the trouble and anxiety and stress I faced, she only provided her apology. I asked how to file a complaint, she said in the U.S. Bank website. I called where exactly, and she didnt even knowbefore leaving, I asked why it was XXXX degrees? I am XXXX XXXX XXXX and XXXX and stood at the teller window XXXX minutes leaning on it. She said they had no control over the temperature. Odd. 

As of now, the funds are still pending to be received into my account. This has been such a frustrating experience, and extremely concerning the way it was handled and the mistakes that were made. It is also quite concerning how unprofessionally dressed the employees are, and a manager not wearing a name tag seems extremely strange.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SS # : XXXX Date of Birth : XXXX Subject : Urgent : Rectification Needed for FCRA Violations in My Credit Report Dear Equifax, I hope this message finds you well. I am writing urgently to address significant discrepancies I've uncovered in my credit report, which directly contradict the guidelines set by the Fair Credit Reporting Act ( FCRA ). After a thorough examination, it's clear that multiple errors persist within my credit profile, indicating a notable oversight in FCRA compliance within your agency.

To clarify : The Fair Credit Reporting Act serves as a crucial federal statute governing the precise collection and reporting of consumer credit information. It mandates accurate acquisition, retention, and transparent sharing of a consumer 's credit data.

Instances of FCRA violations identified include : Inaccurate financial data provided by creditors to reporting agencies.

Merging of individuals ' information by reporting agencies due to name or social security number similarities.

Neglect of prescribed dispute-resolution protocols by agencies.

My rights under the Fair Credit Reporting Act encompass : The right to verify the accuracy of my report, particularly for employment purposes.

Notification if information within my file has been used against me in credit applications or other transactions.

The ability to dispute and request the removal of incomplete, erroneous, or unverifiable data.

Removal of outdated negative information, typically after seven years ( ten in cases of bankruptcy ).

I formally request the immediate removal of the listed items below. These items blatantly breach FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused significant distress, notably evidenced in my recent denial for extended credit, originating from errors within your agency. 

XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXX - XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXXXXXX XXXX XXXX Account Number XXXX XXXX  This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I urgently implore prompt action to rectify these violations within the timeframe stipulated by the FCRA. Failing to address these concerns may necessitate further actions to ensure compliance with my rights under the FCRA. 

Best regards, XXXX XXXX
Consumer complaint received 2024-01-27
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. (KY)

I reaffirmed my mortgage after my bankruptcy was discharged- as of today my mortgage is still not reporting to credit bureau properly. 
Please see attached documents. 
XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-01-27
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)

Subject : Opt-Out Request Pursuant to 15 UCC 6802 Dear XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX am formally submitting this letter as an Opt-Out Notice pursuant to 15 UCC 6802. I am aware that XXXX XXXX XXXX XXXX is not officially affiliated with any credit bureaus. However, if personal information and transaction history are being reported to credit bureaus, I insist on opting out of such information sharing. 

According to 15 UCC 6802, there is no exception to this opt-out request. I demand, unequivocally, that you immediately cease any sharing of my personal information with third parties in accordance with the mentioned statute. 

This is not a mere request but a formal demand based on my rights under 15 UCC 6802. I appreciate your prompt attention to this matter and expect confirmation of my opt-out status within a reasonable timeframe. Kindly provide written documentation confirming the fulfillment of this demand at your earliest convenience. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-06
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: VANDYK MORTGAGE CORPORATION (NY)

On XX/XX/2023, a hard inquiry to my credit report was made by XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not authorized by me. 
I had not been in contact with this company before. 
After researching the inquiry, I have contacted the company on XX/XX/XXXX and asked them to revert the inquiry. 

They have not responded. They have not reversed the inquiry.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

ASK THE COMPANY TO SEND DOCUMENTS OR DOCUMENTATION SHOWING PROOF THESE ACCOUNTS BELONG TO ME. COMPANY ( S ) NEVER SENT PROOF THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES. SOME HAS USED MY IDENTITY TO ENGAGE IN OBTAINING FRAUDULENT CREDIT IN MY NAME.
Consumer complaint received 2023-12-18
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. (NC)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX KS XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX UT XXXX ( XXXX ) XXXX 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 2023-09-25
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$400.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion added this account which is not an actual account that I had with this leasing company. It says account was opened XX/XX/XXXX   which is false. I never opened an account on that date with this company. Called this company to asked them about my accounts and they stated they were going to send transunion paperwork to show accounts paid off. Account shows a balance of XXXX again which is false they added the two accounts I did have with this company which was paid off.
Consumer complaint received 2023-07-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Rubin & Rothman, LLC (NJ)

I opened a credit card with XXXX XXXX, card number, XXXX XXXX XXXX XXXX, and paid the balance by XX/XX/2022. I have all of the supporting documents that showed my credit card is closed. 
Two months later I received a bill for XXXX with not my credit card number.. A card ending in XXXX?
Consumer complaint received 2023-12-15
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. (SC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Notice of Dispute Regarding inaccurate report of tradeline Account And Deceptive Status Stating a Private Account was Late ( XXXX, XXXX, XXXX, XXXX ) Those Dates are Fraudulent and Wrong! The XXXX was XXXX to the XXXX members. I Didn't give ( XXXX, XXXX, Equifax ) Access to have this Private Information that I didn't give Written Authorization Nor do I Consent to Defaming my Character Block and Remove The Tradeline from my Credit File @ XXXX, XXXX And Equifax 15 U.S. Code 1681n - Civil liability for willful noncompliance
Consumer complaint received 2024-01-18
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. (GA)

XXXX XXXX XXXX XXXX XXXX Auto Financing place 2 inquires on my credit on the same day. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attaced fraud inquirer have been removed by other credit reporting.