davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Been months nothing handle I only get a email saying still working on it and nothing still being done! No courtesy call follow up nothing!! Next step getting a attorney for this matter!!! 
I Have been a Bank If America Customers for Years And to be SCAM AND TO CALL MY BANK FOR A RESOLUTION AND NOTHING TO BE DONE IS A DISASTER Originally through XXXX I got connected to a vendor who was supposed to send beverage delivery! Which I was then referred to continue to contact him through XXXX! After Paying him my money he dud gave me a tracking site saying track my delivery here so when I kept lookinh I gad to send more money because the site showed port fees etc everytime it showed yes I was anxious I sent the money!! After the last error it said send more I begin to question! Even got in reach with port who advised me not to send more money looks lime a scam! I got in reach with my bank who suppose to be my safe haven to dispute the transaction and to get my money back however looking I show one as not approved and still waiting on others!! How can I bank you bank with for years do this??? You think I wanted to get scam?? No I work hard making a day to day living but to be sc by a scammer and to not have the bank give you your money back is a disgrace like they don't even care!! I need this resolved and I need All my money back this is so sad I have to even do this! This suppose to be your bank and not even getting through with getting this issue resolved!!!! The last rep I spoke with seem to be a bully like she didn't even care for my problem! Something needs to be done I need all my money back I shouldn't be told could take months Im living day to day with my kids my family I work hard and cant afford to be scam and especially have my bsnk do nothing!!!
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (TX)

I have a XXXX  XXXX XXXX account that's showing late, but I never have been as I have this account on auto draft. I've asked for proof of late payments, and they will not respond to my letters.
Consumer complaint received 2022-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a XXXX  XXXX XXXX account that's showing late, but I never have been as I have this account on auto draft. I've asked for proof of late payments, and they will not respond to my letters.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

You continue to show XXXX XXXX on my account and it shows a balance of {$120.00} when in fact it has been paid in full for months. 

XXXX XXXX XXXX Opened XX/XX/2015
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Re : Violation of the Fair Credit Reporting Act ( XXXX ) Your company denied my claims of fraud for a negative account and verified the account is reporting accurately. My claims were not reported in error, and you are violating my rights has a federally protected consumer. 

It is against the law to report any information that is not PROVEN as accurate. You are required to provide evidence of your allegations to deny my request associated with the account below : PLEASE REMOVE THE FOLLOWING ACCOUNTS REPORTING THAT SHOULD BE EXCLUDED THATCONTAINS TRANSACTIONS EXPERIENCES PER VIOLATION 15 U.S.C. 1681 ( a ) ( 2 ) Account Name Account # XXXX XXXX XXXX My personal financial information was obtained without my permission which qualifies as identity theft. Thus, a violation pursuant to 15 USC 1681c-2. Block of information resulting from identity theft. 

Enclosed : XXXX. FTC Report XXXX. Copy of Driver License
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MO)

In response to your letter ( attached ) stating that XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX initiated the inquiry from Chase Auto to run my credit report is incorrect. I have attached both of the credit applications signed by myself that doesnt state that I gave you permission to run my credit report. The agreement on XXXX states You authorize us to submit this application and any other application submitted in connected with the proposed transaction to the financial institutions disclosed to you by us the dealer? ( See attached credit application below with said verbiage ). Neither you nor any other financial institution are listed and signed by myself giving you permission to run my credit. 

The second application for ally financial doesnt give you or XXXX XXXX XXXX or any other financial institution permission by me to run my credit report on XX/XX/XXXX
Consumer complaint received 2022-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I opened a dispute XXXX asking CFPB to remove two accounts which are XXXX XXXX XXXX XXXX XXXX. I also asked that the XXXX Card be updated to paid as agreed since it shows inaccurately reported late payment on three separate months. 

Today when I called XXXX I was alerted the account was permanently closed due to fraud being reported on account. PLEASE FIX MY ACCOUNT! I had account for XXXX  year, XXXX  months with one discrepancy I was asking to be fixed not for the account to be closed. This is disheartening because I value my accounts and this decision was completely adverse to my intentions on getting assistance with this account.
Consumer complaint received 2022-12-10
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (UT)

I paid off my Sam 's Club credit card on XX/XX/XXXX. On XX/XX/XXXX, XXXX weeks after it was paid in full and the payment posted to my bank, they mistakenly showed a return payment and reversed the payment showing a balance once again {$680.00} which again shows on my credit report. I have contacted them 5 times and have been told it was a error and their backend department just needs to fix it. Two months later it still is not corrected and if I don't pay a minimum payment by the XX/XX/XXXX ( which I do not owe ) will show as delinquent. This account has been paid in full since the end of XX/XX/XXXX.
Consumer complaint received 2022-12-09
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2022-12-10
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: JPMORGAN CHASE & CO. (GA)

There was Chase account open under my name and was being used until someone maxed out the balance. 


I disputed all the information as soon as I was aware of it because it DID NOT match my mailing/physical address, phone number nor email. I reached out to the company and they demanded that it was me I even provided documentation that it wasnt. They then sold the account to a collection agency that keeps harassing me. 

THEY DID NOT REMOVE the incorrect address, phone number or email associated with that unknown person from my credit report They still did not DELETE the information nor did they remove it from my XXXX or XXXX!
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (FL)

I called SELF FINANCIAL INC / LEA on XX/XX/2023 to correct inaccurate reporting of late payment. I spoke with XXXX XXXX XXXX who stated that due to the account closure and paid off 3 months early that the reporting of a 90-120 days late of payment was correct information. I informed XXXX XXXX that I never paid a late payment and that her company was reporting late payments on an account with a payment status of current and paying as agreed. I have requested the information to be corrected and updated 3 different times.
Consumer complaint received 2022-12-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (IL)

The Visa Vanilla card was purchased on XXXX XXXX. I called the Visa Vanilla phone number later that day to confirm the balance on the debit card. There was no balance on the card. Next day I returned to the XXXX 's store where the card was purchased. The person at the counter said we must contact the company directly to resolve the problem. I called the number on the back of the card. The individual said I must wait 24 to 36 hours before the balance will appear. I did that. There was a XXXX balance when checked. I called Visa again. I was told that I would have to file a claim. I was given an email address to send copies of the documents and given a case number. I emailed copies of the proof of purchase and my identification within 24 hours. I heard nothing for several weeks. I called again. No progress on my issue. I waited for a considerable time and called again. After repeated calls spanning several months I got someone who said there was a form I needed to fill out. They said they would email the form. Eventually after calling again I did finally receive the form in XXXX ( see attached email ). I returned the form back to the company as soon as possible ( see attached and dated pdf ). I received an email saying they received the form. After some time passed I called and was told it would take 45 to 90 more days before I should expect a reply. Finally, I received a letter from them. The letter said that there would be no compensation because I had not completed the form and submitted the documentation within their time frame. 
I submitted a protest letter via email explaining that I submitted the documents that were asked for and submitted their form once I had a copy in my possession. I received a rejection email.
Consumer complaint received 2023-06-16
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)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

For several months, I have been trying to dispute negative accounts from my credit report, several times. Recently, I did an investigation on my credit report which caused severe XXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 


Listed below are the negative accounts : XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX {$24000.00} XXXXXXXX XXXX XXXX {$20000.00} Attached below is the recent letter I filed.
Consumer complaint received 2021-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2020 I mailed a letter about inaccurate information on my credit report. It has been almost 2 months and I still haven't received any results of an investigation.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MA)

On XX/XX/2022, I made an early payment to my credit-card company in the amount of {$10000.00}. ( Payment was due XX/XX/2022. ) This was a bank-based payment, drawn on my regular bank. My account has never been late. Instead of crediting this payment within 48 hours, as has been the company 's usual practice, the company had not credited the payment to my account as of XX/XX/XXXX, five days after the payment was made. The money had been debited from my bank. As a result, my credit card was over its limit, and charges were being declined. I called the company to inquire and complain, and was told that, due to the high amount of the XX/XX/2022 payment, the company would not be posting my payment until XX/XX/XXXX -- EIGHT DAYS AFTER I MADE THE PAYMENT. This was bad enough. 

However, it turns out that the representative who assured me that the payment I made would be posted " on XX/XX/XXXX '' was a XXXX XXXX XXXX The payment was not posted on the XXXX. I checked the credit card 's website, only to see that my account remained " over the limit. '' I called the company again on XX/XX/2022, only to be told by a second Customer Service Rep that by " XX/XX/XXXX '' they actually meant " XXXX '' of XX/XX/XXXX. NO! XXXX  of a given date is not that date!! It is the NEXT DAY! XXXX  ( or even, for all intents and purposes, XXXX XXXX  ) of XX/XX/XXXX is ACTUALLY XXXXXXXX XXXX I then spoke with a Supervisor, who looked over details of my prior contact with the company and acknowledged that I had, indeed, been promised that funds would be available on the XXXX. This Supervisor also acknowledged that a " reasonable person '' would NOT take " XX/XX/XXXX '' to mean " midnight '' on XX/XX/XXXX. Furthermore, the Supervisor actually acknowledged that the credit card company HAS HAD POSSESSION OF MY FUNDS since XX/XX/XXXX. 

This is fraud, or certainly borderline fraud, and it is also mis-use of my money. 

The credit-card company refused, point-blank and repeatedly, to credit my account, even on XX/XX/2022, with the funds I have paid. They refused to increase my credit limit, so that I could make charges ( including automatic charges ). XXXX XXXX
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

XXXX is reporting inquiries on my consumer report illegally. 
XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX ( Miscellaneous ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX, XXXX ( Bank ) XX/XX/2022XXXX is reporting inquiries on my consumer report illegally.
Consumer complaint received 2023-06-19
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. (AZ)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! XXXX/XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE CAPITAL XXXX XXXX XXXX XXXX details Paid off - Balance - Balance updated - Original balance {$15000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Original balance {$15000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX 73 Months XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MI)

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act XXXX XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ]
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-05
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. (AL)

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX