davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (NH)

I went to a bank in XXXX NH to open checking account for direct deposit for new job I would be starting This was end of XX/XX/2022 at some point maybe mid summer notice MONIES not accumulating in account was paid by weekly suspected someone using the numbers off my card several attempts made by me to bank about why I was not receiving any bank statements first excuse was they where sending all bank statements to a previous address in a completely different State on XX/XX/XXXX Sunday approximately XXXX I spoke with their call center bout a 45 minute conversation she told me she would start to have statements sent to my XXXX XXXX which address they had the entire time again still no statements when I inquire about what happened with those statements was told by a lady in the XXXX  XXXX Bank those were indeed sent but they went back to the XXXX XXXX as non deliverable. REALLY??? I went through three ATM cards cut them all up then noticed as time went on my account was finally growing and brought this to their attention. In the midst of all this I opened a safety deposit box with said bank XX/XX/XXXX Friday I went to go to bank on XXXX street to put more money in safety box now Around XXXX XXXX in cash along with a bunch of personnel letters GONE!!!! People waiting on me that day very suspicious with what they did and said What Bank let 's someone into a safety deposit box??? Personally I don't want them notifed I want to go to the next level whatever that may be not gone near bank since XX/XX/XXXX but did call them next XXXX XX/XX/XXXX and asked and she new who I was asked herwho is legally allowed inin a safety deposit box she said she have to ask my boss she came back with right answer so anyway I no exactly what I have left in box today and it still better be there and watching my checking account from a distance PLEASE HELP Do not want to go near that crooked Bank need Legal advice ASAP Thank-You D.S.D.
Consumer complaint received 2023-06-23
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. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/XXXX, I received a replacement Credit Card from Chase card services ... I called the company approximately one ( 1 ) year prior to have the card go dormant ... My balance at that time was around XXXX  dollars however I made automatic payments of XXXXXXXX  dollars per month except for the months of XXXX and XXXX of XXXX at which time I paid XXXX dollars... The total amount paid for the period XX/XX/XXXX thru XX/XX/XXXX was XXXX dollars ... When I received the new card I called to have it activated again and was prompted electronically that I had late fees totaling XXXX  plus dollars which must be paid ... I contacted a representative of the company to discuss this issue because I never was late and normally paid more than the minimum amount due since inception... I was informed that one payment was XXXX dollars short unknown to me and late charges and additional fees kept added each month unknown to me.. The balance owed when I had the account go dormant was around XXXX dollars... The balance owed hasn't changed since I had the account go dormant..If I would have known that on payment was XXXX dollars and not XXXX dollars I would have paid it as reflected in my payment history...
Consumer complaint received 2023-06-23
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-18
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. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-01-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (DC)

Received a new letter for an increased amount of XXXX Citibank in XXXX closed my XXXX  account, and still has yet to respond to my initial complaint. 

This is XXXX on a person with XXXX. This is also not acceptable due to my status as a XXXX  public official ( past ).
Consumer complaint received 2023-02-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (AL)

I was charged really high interest rates in the month of XX/XX/2015 for a used car auto loan i can not remember the exact amount but I paid back over XXXX for a XXXX auto loan. I tried a few times to correct this issue but they gave me the run arounds sent me to an automated machines if I called or just ignored me all together no action has been taken to correct this issue on the company 's behalf.
Consumer complaint received 2023-05-18
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. (FL)

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. 

XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-25
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I filed a complaint with all 3 bureaus and they responded and said all information was updated and they sent out a letter via mail saying they updated information on account. They have not sent any letters. XXXX has set out a report of all information reporting on credit report and I have asked that they update all my information and I also gave them the correct information to update them with. They have not done so.
Consumer complaint received 2023-08-17
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
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. (CA)

This is my 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX
Consumer complaint received 2024-06-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (CA)

I was XXXX XXXX in another state I received care during my whole XXXX at multi health care clinic I was unaware they charged me for each visit due to me having insurance with XXXX XXXX in another state I was sent a letter to pay a medical bill from ameri collect to pay the debt and I never shared my information with them so I feel my rights have been violated according to the hippa law A " designated record set '' is defined at 45 CFR 164.501 as a group of records maintained by or for a covered entity that comprises the : Medical records and billing records about individuals maintained by or for a covered health care provider ; Enrollment, payment, claims adjudication, and case or medical management record systems maintained by or for a health plan ; or Other records that are used, in whole or in part, by or for the covered entity to make decisions about individuals. This last category includes records that are used to make decisions about any individuals, whether or not the records have been used to make a decision about the particular individual requesting access.
Consumer complaint received 2022-09-11
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, XXXX  XXXX - XXXX, XXXX- XXXX, XXXX  XXXX, XXXX- XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2022-09-11
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. (MI)

Tre

atment of inaccurate or unverified viable information. ( A ) In general if after every investigation under paragraph ( 1 ) Of any information disputed by consumer or item of the information is found to be in accurate or incomplete or can not be verified the consumer reporting agency shall, 1. Probably delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the and 2. Promptly notify the furniture of that information of the information has been modified or deleted from the consumers file.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX To whom it may concern, I just got my credit report and its wrong I was informed I have the right to have a investigation done. Credit reporting Laws ensure that bureaus report only 100 % credit accurate Every step is taken to assure that the information reported is completely accurate and correct. The following information, Therefore, needs to be reinvestigated please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : - Payoff Disclosure - Interest Rate Disclosure - Balance History - Payment History - Credit Insurance Validate Accounts : 1. XXXX XXXX  ACCOUNT : XXXX THIS CONTRACT IS CANCELLED 2. XXXX  ACCOUNT : XXXX THIS CONTRACT IS CANCELLED 3. XXXX XXXX ACCOUNT : : XXXX, XXXX, XXXX THIS CONTRACT IS CANCELLED 4. XXXX XXXX XXXX ACCOUNT : XXXX THIS CONTRACT IS CANCELLED 5. XXXX XXXX ACCOUNT : XXXX THIS CONTRACT IS CANCELED 6. XXXX XXXX XXXX ACCOUNT : XXXX THIS CONTRACT IS CANCELED 7. XXXX XXXX ACCOUNT XXXX THIS CONTRACT DOENSY BELONG TO ME I respectfully ask you to provide some kind of proof of these alleged items specifically the contracts notes or other instrument bearing my signature. 

Additionally please provide name, address, and phone number of each credit grantor other subscriber. 

I also heard under federal law you have 30 days to complete your reinvestigation be advised that the description of the procedure used to determine accuracy and completeness of the information is here by requested as well to be provided within 15 days of the completion of your reinvestigation. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I sold my car on XXXX. They mailed me my check by XXXX. I went to the bank to deposit it. My banker thought it was fraudulent. My bank put a hold on the check for 10 days. I am not happy. The check was written on XXXX XXXX
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXXXXXX ( Original Creditor : XXXX 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, 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 2023-07-11
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. (NY)

TWO INSURANCE ACCOUNTS " XXXX XXXX XXXX '' AND " XXXX XXXX '' WERE OPENED IN MY NAME LAST YEAR AND HAVE SOLD DEBT TO " XXXX XXXX XXXX. '' I AM DECLARING THIS IDENTITY THEFT AND FRAUD PLEASE INVESTIGATE I HAVE ALREADY SUBMITTED POLICE REPORT. THANK YOU
Consumer complaint received 2023-08-17
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-06-23
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. (LA)

I sent a letter on XX/XX/XXXX to UPDATE ITEMS that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to UPDATE any ITEMS or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX, and XXXX & I am including it again. Below the Innacurate Items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX