davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am filing this dispute because XXXX XXXX  reported I missed XX/XX/2022 payment when in fact I made the payment on XX/XX/2022 and funds were available. XXXXXXXX XXXX XXXX advised me that my personal checking account was frozen when the payment tried to post. I advised them that I wasn't aware of any freeze regarding my account and that I deposited funds for this payment that was available. XXXX customer service advised me to contact a local Branch Manager to provide a letter stating this bank error. I scheduled a meeting on XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX in XXXXXXXX XXXX XXXX XXXX  XX/XX/2022 with XXXX XXXX. I explained to XXXX XXXX what customer service stated I need to correct the mortgage payment reporting for XXXX. XXXX XXXX ( Branch Mgr ) provided XXXX XXXX XXXX XXXX Customer Service Rep ) the attached email stating this was a bank error and my account status at the time of posting. This delinquent reporting should be removed immediately.
Consumer complaint received 2023-05-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I entered dispute with experian about, XXXX XXXX XXXX XXXX, derogatory remarks on credit report, in accurate days late not being consistent, XXXX XXXX thru multiple months being reported as 30 days late, then 60 days late for multiple months, I would like this removed off my credit report as it is reporting new charge off and delinquent status as of XXXX.
Consumer complaint received 2023-03-04
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 sent a letter on XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$610.00} XXXX  XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-23
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. (LA)

I send out letter for the 3 bureaus last month it's been 30 days I didnt recieved any response for the bureaus since it's been 30 days I demand to delete the following accounts and inquiries listed below : Account Name : XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$580.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Open : XXXX XXXX, XXXX Balance : {$670.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Open : XXXX XXXX, XXXX Balance : {$4300.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open : XXXX. XXXX, XXXX Balance : {$1100.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Open : XXXX XXXX, XXXX Balance : {$500.00} Inquiry Name : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX # XXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX XXXXXXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX - XXXX XXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX XXXXL Inquiry : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Account Number : XXXX Date Open : XXXX XXXX, XXXX Balance : {$4300.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$1400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$500.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$1100.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : $ XXXXAccount Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$580.00} Account Name : XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry : XX/XX/XXXX I will attached the letters I send out last month together with the id and proof od residency also I file ftc report for the fraudulents accounts and unahutorized inquiries
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

This account was charged off on the following date : XX/XX/year> since then the date of last activity has been inconsistently updated. On Equifax the date last active is ( XX/XX/year> ) an on XXXX its ( XX/XX/year> ) if the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account front my friend report. 
Account Number : XXXX Account Number : XXXX
Consumer complaint received 2023-05-08
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. (KY)

I am natural person, I am a loving human being, I have the rights under 15 USC 1681. 
EquiFax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
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. (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 Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or 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 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Dear XXXX, I am writing to formally lodge a complaint against Chase Bank regarding their unethical practices and mishandling of my account. 

Recently, I initiated a dispute with Chase Bank regarding unauthorized transactions on my account. Despite providing substantial evidence to support my claim, Chase Bank not only failed to investigate the matter properly but also unlawfully withheld the disputed funds, effectively embezzling money from my account. This blatant disregard for customer trust and financial integrity is deeply concerning and unacceptable. 

In what appears to be an act of retaliation, Chase Bank arbitrarily closed my credit card account without prior notice or explanation. This action has had severe repercussions on my financial standing and creditworthiness, leaving me without access to essential banking services. 

Furthermore, I would like to bring to your attention an incident involving a refund from XXXX. Despite the refund amount of {$680.00} being credited to my account, Chase Bank neglected to adjust the balance accordingly. Consequently, I have been unfairly burdened with the responsibility of continuing to make repayments for a debt that has already been settled. 

These actions by Chase Bank not only violate ethical banking standards but also demonstrate a blatant disregard for customer rights and consumer protection laws. I urge the XXXX to investigate this matter thoroughly and ensure that appropriate measures are taken to rectify the situation. 

I demand that Chase Bank : 1. Reopen my credit card account immediately. 
2. Adjust the balance to reflect the refunded amount from XXXX. 
3. Provide compensation for the distress and inconvenience caused by their actions. 

Failure to address these issues in a satisfactory manner will compel me to explore further legal avenues to protect my rights as a consumer. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. The details of these accounts are as follows : American Express Account # ending # XXXX American Express ha

s charged off this account. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and can not be reported to your credit report. It is important to have these accounts removed immediately. I have also previously sent a letter to this company three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
XXXX is a consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition. 
Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Neither the financial institution nor the consumer reporting agencies, XXXX, have my consent to furnish this information, and they certainly do not have my written consent. Any previous consent given to XXXX, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now revoked.

The Furnisher of Information to credit agencies did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Account that is being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). XXXX is not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services.

Thank you XXXX XXXX
Consumer complaint received 2023-05-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Company has refused to remove inaccurate information regarding late payments on my account as well as inquiries I did not authorize. I submitted the letters from the creditors advising the late payments being reported are inaccurate and to update them to pays as agreed on time and the credit reporting agency has failed to investigate and remove the inaccurate late payments
Consumer complaint received 2023-03-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

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- Has violated my rights XXXX XXXX XXXX - Has violated my rights XXXX XXXX XXXX XXXX - Has violated my rights XXXX XXXX XXXX XXXX XXXXHas violated my rights XXXX XXXX XXXX XXXX XXXX - Has violated my rights XXXX  XXXX XXXX - Date Opened : XX/XX/XXXX -Has violated my rights XXXX  XXXX XXXX - Date Opened : XX/XX/XXXX - Has violated my rights XXXX  XXXX XXXX - Date Opened XX/XX/XXXX - Has violated my rights XXXX XXXX XXXX - Has violated my rights XXXX XXXX XXXX XXXX Has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XX/XX/XXXX Has violated my rights XXXX  XX/XX/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 2023-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TX)

I received this email from Ally Bank on XX/XX/2023 : We restricted your accounts because we detected suspicious activity on XX/XX/2023. 
You may not be able to log in or transfer money out of your accounts. 
Call our loss prevention line at XXXX for help with your accounts. Were available Monday through Friday from XXXX XXXX  XXXX XXXX  ET and on weekends from XXXX XXXX XXXX XXXX ET. 
-- -- -- -- -- -- -- -- -- -- -- -- -- - I called and a representative asked me questions about my recently opening a new account ( I am recently divorced ) and the " purpose '' of the account. I answered all their questions. The representative told me my account would continue to be locked and that my funds ( $ XXXX ) would be unavailable to me while they perform their investigation. They would not tell me why or how long the investigation would take. I have no access to my money now and I don't know when I will regain access to it. 

On top of denying access to my funds, I was also treated with disrespect. The representative I spoke to at Ally Bank treated my like some sort of criminal. He offered no explanation and no apology either.
Consumer complaint received 2023-01-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

The unverified items 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 items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$350.00} ), XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$4800.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2017-11-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (NJ)

Approximately 1-2 years ago, XXXX claims to have sold their student loan division. However, I have been paying to two companies : XXXX ( a " loan servicer '' ) and Discover. I have asked both companies for proof of their relationship to XXXX to ensure that I am paying the right entity, and more importantly that I am not paying the same loan twice. I have not received a satisfactory explanation from either, and no documentation at all from Discover.
Consumer complaint received 2023-05-04
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. (MS)

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, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : 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 2017-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (NV)

Some years ago, I had my purse stolen. I reported it to the police department when I resided in Florida but  whomever the  person was still open things in my name and I did n't find out until later. At that time when I got phone calls, I advised on the issue and sent a copy of the police report to whoever called back then. I have relocated and have no clue where the report is. It appears whatever creditor it was could n't collect so they made money by selling the unauthorized debt and I was never sent anything before hand or before this was placed on my report per FCBA guidelines.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

Chexsystems is reporting possible fraud with XXXX XXXX XXXX XX/XX/17. Also, marked unpaid. 
I went to XXXX and spoke with a manager who called XXXX department. There is no unpaid balance. Also, said that they weren't sure on the suspected fraud activity. They said could have been possible bounced checks that triggered report. 
The last activity I had with the account was at XXXX XXXX buying a XXXX gift card ... ..shortly after I received an email saying account was frozen. 
XXXX account # XXXX They said to write to your business to investigate.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I was in continuous communication from XX/XX/XXXX to XX/XX/XXXX with them ( capital one ) to pay my entire balance in full but they had to remove a charge for a purchase that I did not make. Since I did not pay the balance because capital one credit card did not solve the issue of the purchase charge. However, capital one credit card refused to remove the charge for that purchase until I complained to you. 

In the letter capital one credit card wrote that the interest charges would be removed from XX/XX/XXXX to XX/XX/XXXX, but they did not honor the deal.