davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
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: Experian Information Solutions Inc. (GA)

Ive spoken with each credit reporting agency about this matter. They was suppose to be removing inquires within 24-48 hrs and mail updated copy of my report which none of the companies did. Which is a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-07
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: BARCLAYS BANK DELAWARE (FL)

According to statement multiple transactions were charged to my credit card on XX/XX/2022 and XX/XX/2022. 1 in the amount of {$780.00}. XXXX from XXXX XXXX XXXX. I called in to dispute charge. Barclays investigation stated that charge was authorized. I am disputing this because I did not place order with XXXX  nor did I receive products from XXXX
Consumer complaint received 2024-03-30
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. (IL)

Dear Consumer Financial Protection Bureau, I am writing to urgently request your intervention in rectifying significant inaccuracies and unauthorized disclosures on my credit reports held by XXXX and Equifax. These inaccuracies not only unfairly affect my financial standing but also represent clear violations of federal laws designed to protect consumers. 

Specific Concerns : Unauthorized Hard Inquiries : My reports include hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not excluding The credit accounts ; that are being ILLEGALLY REPOTED made without my consent. This violates the Fair Credit Reporting Act ( FCRA ), specifically Section 1681a ( i ).

Erroneous Accounts and Late Payments : Entries related to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX including late payments, need immediate correction. The Truth in Lending Act ( TILA ), 15 U.S.C. 1666 ( b ), protects against unfair billing practices by ensuring accurate reporting. 

Banking Transactions and Unauthorized Disclosures : The inclusion of banking transactions and the reporting of negative information by the aforementioned entities breaches the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, aimed at protecting consumer privacy.

Immediate Actions Required : Removal of All Negative and Inaccurate Information : I demand the immediate removal of all negative and inaccurate information from my credit reports, including unauthorized hard inquiries, erroneous accounts and late payments, and any unjust banking transactions. 

Prompt Update of My Credit Report : Following the removal of inaccuracies, my credit reports held by XXXX and Equifax must be updated promptly to reflect the corrected information within five business days from the receipt of this notice. 

Compliance Deadline : I hereby provide XXXX and Equifax, along with the implicated entities, a strict deadline of XXXX business days from the receipt of this notice to implement these significant corrections and updates. Failure to address these concerns within the specified timeframe will compel me to pursue further legal action to enforce my rights and seek remedies for the resultant damages. 

This situation demands your prompt and serious attention. The actions I am requesting are not only within my rights under federal law but are also critical for rectifying the harm done to my financial reputation. 

I trust that the Consumer Financial Protection Bureau will act swiftly to ensure compliance and uphold the protections afforded to me under federal law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Consumer complaint received 2023-01-08
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: JPMORGAN CHASE & CO. (GA)

I submitted a complaint against JPMC Bank and received a notice from this agency stating the company let you know it was unable to respond to my complaint due to pending or prior litigation. I recently withdrew my Motion against Chase and I would like for you to move forward with the investigation. Please provide me with laws and statues indicating you are unable to investigate my claim due to pending litigation. I thought you were to investigate criminal activity regardless. 

Again, I filed a Motion to withdraw the case on XX/XX/2023 and notified the Court and chase of this fact. Please move forward with my complaint. Thank you!
Consumer complaint received 2023-01-08
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: ACIMA CREDIT, LLC (NV)

I submitted 2 disputes on XX/XX/22 then again in XX/XX/22 via certified mail which were both received and within that dispute packet I included my identity verification docs, a police report from XXXX XXXX Police department because there were some accounts on my credit that I had no knowledge of, as well as errors that needs to be removed IMMEDIATELY! 

All the accounts that were listed on my police report remained the same with XXXX. The other 2 bureaus found there were fraudulent and also fixed the errors. 

This is my third attempt to get XXXX to thoroughly review my credit report and remedy the issues, or I'm going to have to pursue legal actions because they are not abiding the FCRA laws. 

I will continue to document my efforts until these fraudulent charges and errors are removed.
Consumer complaint received 2017-05-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

On   XXXX   XXXX   XXXX  ,  XXXX  Validation of Debt letters were sent to  Commonwealth Finance (  Amounts : {$1600.00}, {$150.00}, {$150.00} ) for a medical bill that I did not recognize from the  XXXX ,  XXXX  and  XXXX  of  XXXX . I requested validation after speaking to them on   XXXX   XXXX   at  XXXX  pm for  XXXX  minutes,  XXXX  seconds. During this call I requested validation of this debt due to not knowing anything about this debt. I simply requested a bill, itemized list or an invoice so I could verify if this debt belonged to me. I was told over the phone that they did not have any of that information, only a file from   XXXX   XXXX   XXXX  . This entire call was recorded by them and myself and notification was given that the call was being recorded by both parties. I asked for that file and they refused to acknowledge that it will be sent. They placed my account in dispute status and re-reported the  3  debts to the credit bureaus. I also filed a dispute with I sent a " Failure To Validate '' letter on   XXXX   XXXX   XXXX   due to  Commonwealth Financial  failure to send me previously requested validations of these debts. Another Validation of Debt letter was sent on    XXXX   XXXX   XXXX    regarding the other  two  amounts. During this entire time,  Commonwealth Financial  has still refused to send me any validation of these debts and according to  XXXX , is still claiming that these debts are mine.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

-Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 

This Personal Information I am disputing by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. is inaccurate or incomplete because 15 U.S.C 1681 section 602 A States I have the right to privacy. But also states that whatever is not 100 % accurate should be removed. I am requesting that the item be deleted and changed to accurate Information.

Enclosed Is a copy of my State ID supporting my position. Please reinvestigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

Citibank closed my Sears credit card account without warning, and they sent no notice after closure. They allowed me to continue thinking that the account was open and available for use. When a purchase with my card was denied, I discovered the account was closed. According to customer service the account was closed for inactivity. Inactivity is a particularly poor reason to close an account that only works at a particular department store. How often must someone shop at Sears to keep their account active?
The problems : 1 ) Citibank issued a card with an expiration date, but did not honor it up until the expiry. 2 ) Citibank 's term  s of service ( " ToS '', as of  XXXX  ) did not define account dormancy, thus failing to inform clients on account usage.  3 ) Citibank  's ToS reserves the right to give no warning prior to account closure. While withholding a warning may be appropriate under some circumstances, it 's abusive to give no warning in the case of dormancy clos ures. 4 ) Citibank  did not give notice of the closure after the fact, and the ToS does not give Citibank the right to withhold that information.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 

This Personal Information I am disputing by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. is inaccurate or incomplete because 15 U.S.C 1681 section 602 A States I have the right to privacy. But also states that whatever is not 100 % accurate should be removed. I am requesting that the item be deleted and changed to accurate Information.

Enclosed Is a copy of my State ID supporting my position. Please reinvestigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-08
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. (NM)

I submitted a dispute on my Equifax report, they claim they verified it as accurate, however did not provide original documentation with signatures and identification proving ownership! Also the accounts are showing as open while being a collection!
Consumer complaint received 2022-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I do not recall any of these inquiries to below and had already filed an identity theft 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
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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 instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information they're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency.
Consumer complaint received 2023-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

AMERICAN EXPRESS is in violation of 15 U.S. Code 1691c2 for taking advantage of a Minority Owned Small Business and its owner 's personal private non-public data. I, XXXX XXXX, the consumer and natural person, was denied credit by AMERICAN EXPRESS when I was misled to applied for the XXXX XXXX AMERICAN EXPRESS CARD on XX/XX/2022. Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 and 15 U.S. Code 1691e as I have proof that I was discriminated against by AMERICAN EXPRESS due to the response I received. AMERICAN EXPRESS is in violation of 15 U.S code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS. If AMERICAN EXPRESS fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make AMERICAN EXPRESS criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations. Thank you, XXXX : XXXX Without prejudice, all natural inalienable rights reserved
Consumer complaint received 2023-02-07
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. (CA)

My Equifax and XXXX credit reports have the correct addresses, but a former address is listed as 'current ' and my current address is listed as 'former. ' I was able to fix this with XXXX on their website in about 30 seconds, but there is no way to fix this through the Equifax website -- all I can do is list an address as not being accurate, when the STATUS of my address is the problem.
Consumer complaint received 2023-02-07
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired XXXX 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 2023-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (OK)

During the Covid pandemic although I am a XXXX and was able to work through the pandemic, my husbands job was not deemed essential so he was not able to work for a short period of time and so our household was dependent on my income alone, and although we attempted to pay all of our existing bills. We unfortunately fell behind on the payments on our card.. we were latte 4 months XXXX and XX/XX/XXXX and XXXX XXXX. We have since then made all payments on time and have paid off the balance and not missed a payment since XX/XX/XXXX.
Consumer complaint received 2023-01-03
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. (WA)

I am the victim of identity theft, someone was stealing our mail from approximately XX/XX/XXXX to XX/XX/XXXX. Several inquiries and accounts were opened using my name and information. I was made aware of this because I received a call from a bank asking about a loan I had applied for, to which I replied I had never heard of the bank or ever applied for a loan, they recommended I report the fraud and check my credit report. I noticed at that time that the log in information to my XXXX XXXX account had been changed, not by me, and the thieves had changed my log in information so I was not aware of new accounts being opened in my name. 

The following accounts were not opened by me and are fraudulent, I have contacted each of them and let them know about the fraud : XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXXXXXX inquired on XX/XX/XXXX The following hard inquiries were not made by me : XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX inquired on XX/XX/XXXXXXXX XXXX inquired on XX/XX/XXXXXXXX XXXX  inquired on XX/XX/XXXX
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX advised to file an FTC report over fraudulent XXXX repetitive deliberate and harmful inquires, mutiple inquires on the same day by capital one, XXXX, XXXX, and XXXX  that i did not authorize, request, agree to, or consent. After i file my ftc report, i am to upload my ftc report in to my XXXX, XXXX XXXX, and XXXX XXXX, soon after each of the bureaus will correct by deleting the XXXX inquires and restoring my credit score to XXXX that I earned by paying my credit cards and auto on time as agreed.
Consumer complaint received 2024-03-30
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. (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 : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2022-11-28
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: U.S. BANCORP (NC)

Gift Card Debit Visa - card issued by U.S. Bank National Association. company internet address URL XXXX XXXX XXXX XXXX  XXXX. I purchased this prepaid debit visa gift card for {$50.00} and a {$4.00} activation fee with cash from XXXX XXXX on XX/XX/22. All attempts to activate the card failed. I went back to XXXX XXXX with the receipt, and they indicated they could not refund the money, but they attempted to help me by calling the number on the back of the card. Each time a person was reached they would indicate that we had to call a different number. After 1.5 hours we were disconnected so I went home. The next day I called the number that we were last given. The person which finally attempted to help told me that the number on the card is not a valid number. They then asked for the last eight digits on the back of the card. After providing I was told that the number was not valid. I asked if I could give then the full number on the back of the card, the transaction information from XXXX XXXX and they said no that would not work. They indicated my only option was to fax an image of the card ( front and back ), provide a copy of my driver 's license, provide my telephone number, and my email to a number they provided. I am unwilling to fax my personal identifying information to an unknown number due to concerns over identity theft. I asked if they had a secure web site so that I could upload the information and the response was no. I asked why the fax number was not listed on their web site and the person did not know and I also looked can could not find any indication of a secure fax number. I would like for either the cash to be refunded {$54.00}, or a new valid {$50.00} card to be issued without being charged another activation fee ( as I have already paid the {$4.00} fee ). I would also recommend they create a secure web site for the transfer of information they are requesting and that it be made visible on their web site for information they are requesting. 
I can upload a copy of all transaction information to the CFPB website upon request, if the CFPB would like a copy as I know the CFPB has a secure web site.