davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

Reference Policy Number XXXX General Insurance Company of America Automobile Policy Declarations regarding XXXX and its Agent : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, California XXXX investigated with their employees and Executive Management .The policy covered XXXX XXXX XXXX XXXX XXXX XXXX # ID XXXX finance by XXXX XXXX XXXX XXXX . The effective dates wereXX/XX/XXXX,XX/XX/XXXX until XX/XX/XXXX. The XXXX XXXX XXXX was stolen in the Subdivision of XXXX XXXX XXXX XXXX. Also, I would recovery and monetary loss ; along with criminal charges.
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Previous employees resided in XXXX XXXX XXXX XXXX identified as XXXX XXXX, Security Specialist with Federal Emergency Management Agency.
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I have been threaten since XXXX with violence, disclosure of private information and destruction of personal property.
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Illegal violation of The federal Fair Credit Reporting Act ( FCRA ) promotes the inaccuracy of termination of insurance, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ).
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Malfeasance in office by XXXX XXXX Board of Directors, Executive Manager and Sales Representative which caused economic damages, poor credit and destruction and theft of automobile. This occurred after resigning from Federal Emergency Management Agency on XX/XX/XXXX. This information may be verified by : XXXX XXXX Sheriff Department XXXX XXXX XXXX XXXX, Louisiana XXXX Phone : XXXX  XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Senator XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LAXXXX Telephone : XXXX Fax : XXXX XXXX XXXX XXXX Attorney at Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

Several months back I opened a Citibank , N.A . Accelerate Savings Account. This morning I received an email saying that my account was being closed. I was also locked out of my online banking portal I called the number provided in the email and was routed to the fraud department. I verified my information and they informed me the account was being closed because of a check that was deposited - but they would not tell me the problem with the check that I deposited. I asked the representative if the closing of my bank account would affect my Citi credit card. He said something non-committal like " we are no longer servicing your account. '' I explained that I understood they were closing my savings account but that I was asking about my credit card account. He repeated " we are no longer servicing our account '' like he was on a script. I repeated my question about the credit card. We went around like this several times, and I asked him to please listen to and answer the question I was asking about my CREDIT CARD. Then the representative hung up. 

I then called the number on my credit card. That representative referred me back to the Citibank fraud department. This representative was only marginally more helpful. Specifically, this representative at least had the decency to explain that the reason my account was closed was that I deposited a check with an " unverified address. '' I explained that the check was written out to the address of another home I own where I used to reside. The representative said that the account had already been investigated and closed. I asked when I would receive my money back ( I believe the balance was around {$38000.00} ), and he said I would receive a check in 30-60 days. I asked what right Citibank had to hold my money hostage, and he said it was under the customer agreement. It is inconceivable to me that they can close the account for such petty reasons and refuse to return the funds immediately.
Consumer complaint received 2023-06-01
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. (CA)

So I sent a letter off on XX/XX/2023. To remove personal Information that I do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. These are clear violations of my federally proceed consumer rights 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL continue to 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 an 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. And my state again, In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an 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 2023-06-01
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. (AR)

In XX/XX/2022 I made complaints against the credit bureaus regarding information not being accurate in my credit report. I received responses from each credit bureaus as if the claims were investigated and my credit reports were verified. 

If the each of the credit bureaus verified my accounts that were being submitted to CFPB, why do my credit report indicates from each of the credit bureaus that the accounts were never disputed? If they were verified why is all of the highlighted information on the accounts still not the same? 

Equifax complaint number XXXX XXXX complaint number XXXX XXXX  complaint number XXXX
Consumer complaint received 2023-06-01
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmerAssist A/R Solutions, Inc. (MD)

On XX/XX/XXXX, I spoke with XXXX XXXX to pay my account balance of {$700.00} to Amerassist AR Solutions debt collection agency. I asked that the account be reported to the credit bureaus as removed/ deleted since I was paying the balance in full. XXXX XXXX agreed and told me Id receive a letter of receipt for the transaction with the removal as well. I was alarmed after waiting until XXXX to see, the change to my credit report hadnt been made. I reached out to Amerassist AR Solutions debt collection agency on XX/XX/XXXX & spoke with Ms. XXXX XXXX again, I asked why hadnt the account been reported as removed/ deleted & she asked to place me on a brief hold, that eventually sent me to voicemail. I called the company back and then spoke with Ms.XXXX she told me, Id have to wire the payment through my bank in order for the account to be removed from my credit report. Also was told, Id have to cancel the payment that was made back on XX/XX/XXXX and start all over again. Once payment is wired, funds are received immediately, and that will then remove the collection from my credit report. I went back over everything she said to me, and informed Ms.XXXX that it was unfair to me, because XXXX never mentioned any of that information, when I asked to have the account reported to the credit bureaus as removed/ deleted. Ms.XXXX abruptly asked to place me on a hold. I called my bank ( XXXX XXXX ) and asked the banker to stay on the call as a witness to what I had been experiencing. The banker and I were both on hold & sent to voicemail again. The banker placed a dispute on my account for the {$700.00} transaction to Amerassist AR Solutions debt collection agency & she then sent me an email to reach out to to XXXX and XXXX. XXXX rep XXXX helped me a lot by listening to what happened to me & placed a dispute. As of today, XX/XX/XXXX I still have not seen a change to my credit report with this matter, so I reached back out toXXXX and was told by rep XXXX Amerassist AR Solutions debt collection agency had responded with a letter validating the transaction. However, that letter did not include the removal/ deletion for the account that I requested for, when I made the transaction with the debt collection agency. XXXX then gave me the information to contact the CFPB and I had the pleasure of speaking with representative XXXX, who walked me through my next step to complain about Amerassist AR Solutions.
Consumer complaint received 2018-03-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACCESS GROUP INC. (RI)

Loan with Access Group that is serviced by XXXX. All accounts are paid timely, but the companies have misapplied payments and refuse to make correction. Proof of payment has been provided by mail and email multiple times. 

Specifics : In XX/XX/XXXX, I made my scheduled payment but received notice that payment was not received. Contacted the company and gave proof of payment. Within a week started receiving phone calls that the loan amount was due. Again, gave information on payment that was made and was told via phone that it was misapplied and correction would occur. 

In XX/XX/XXXX, made payment as scheduled ( on automatic payment from bank for payment on the first of every month ) and the same thing happened. Except learned that they never corrected the error from XX/XX/XXXX. 

The problem now continues to happen every month. I have spoken with both companies. I have mailed them proof of payment. I have emailed representative copies of my bank statements and proof of payment to both companies. I have asked if there is anything I can do differently to help them. They just keep misapplying payments and incorrectly claiming payment is due. 

I still get a phone call nearly every week from the company and just received another notice of being delinquent with fees and late payment. Payments have been made timely and continue to be made timely.
Consumer complaint received 2023-02-02
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: U.S. BANCORP (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Elan Financial Services XXXX XXXX XXXX XXXX XXXX, MO XXXX Account # XXXX .... I am writing to dispute a fraudulent charge on my account in the amount of {$5.00}, XXXX. I am a victim of identity theft, and I did not make or authorize this charge an account was placed under my name erroneously. Since then, Elan Financial Services has damaged my name, and my credit Elan Financial Services has entered derogatory information into my credit file. I should not be responsible for Elan Financial Services mistake. Elan Financial Services has resource to enable accurate information about the clients inquiring new services. Elan Financial Services allows an account to be placed under my name erroneously. Elan Financial Services should verify all information prior to approving any application 's for services.
Consumer complaint received 2023-06-01
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. (MS)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$580.00}, XXXX Balance : {$34000.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-02
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. (CA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Equifax on XX/XX/2023, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-21
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. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I would like to request any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 
Below is a summary of the data in which I am challenging :
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

My Chase Ink, credit card was lost/stolen on or around XX/XX/XXXXXX/XX/XXXX. I reviewed my transaction history on my Chase Ink credit card at the end of the month to make my monthly payment I've noticed fraudulent charges that occurred on my card on XX/XX/XXXX and XXXX. Immediately I went to look for my card which I was unable to locate it, I called chase bank and reported my credit card lost. Fraudulent transactions occurred out of state in Nevada in the amount of {$15000.00}. A police report was filed and sent to the bank. No investigation was completed by Chase they had not contacted the merchant instead they are blaming me for the fraudulent charges and asking me to contact the merchants when my card was lost and not in my possession, and I did not authorize anyone to use the card. Chase did not call me to verify if the transactions were being authorized by me at the time of the incident that took place out of state. 

Last transaction that I've made with the card in my possession was on XX/XX/XXXX at XXXX XXXX XXXX XXXX in the amount of {$3.00} Account # XXXX
Consumer complaint received 2021-10-06
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: Experian Information Solutions Inc. (IL)

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter