davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-29
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. (AL)

The Credit bureaus stated my XXXXXXXX XXXX Account # XXXX was properly investigation and verified and everything is was % 100 accurate. 

But how is that possible if the Account numbers is inaccurate, the date last active is inaccurate, and date last reported is not accurate and high credit limit is not accurate, And the date opened is not accurate and the date of last payment not accurate and Number of months ( terms ) is inaccurate.This is grounds for removal they also violated my rights under : 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 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

According to the law 15 U.S. Code 6 1681a - Definitions : rules of construction.

The TERM " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). 

I attached an updated consumer report as evidence and all three reinvestigations responds from credit bureaus.
Consumer complaint received 2021-12-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX and I'm submitting this complaint myself and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer and natural person, submitted a dispute to TRANSUNION and they stated in writing that they've " VERIFIED '' that the items I disputed are being " reported correctly ''. They have NOT provided me a copy of ANY original documentation that they have on file that is required under Section 609 & 611 ( a ) ( 1 ) ( A ) - ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which CAN NOT be verified. ''
Consumer complaint received 2021-12-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (NY)

An individual went to the key bank XXXX XXXX branch on XX/XX/XXXX and presented a fake Passport card ID, and the teller handed over {$2000.00} of my money, without presenting or swiping a bank card. The following day on XX/XX/XXXX, an individual went to the key bank XXXX branch presented a fake Passport card ID card, and the teller handed over {$2000.00} of my money. I reported the incident to key bank on XX/XX/XXXX as soon as I noticed money missing from my account. Key bank has refused to reimburse my money up till now. I filed a police report and opened a new account as instructed by key bank, but I do not have the funds to pay into it, .. my direct deposit going to fund the current account takes months to change due to logistics of things and in the meantime, all my auto payments are tied to this account. My bank card is in my possession at the time of the incident and was never reported stolen. Even though Ive been with the bank well over XXXX years, Ive always swiped my card and put my pin every time I withdrew money and it was a shock to find out someone could give my money to a stranger. Im the only one on the account since it was opened. 
The most painful part of this whole thing is that it was preventable especially in the XXXX branch. I googled the reviews on the branch as soon as this happened and I found out that the exact same thing happened to someone XXXX years ago and that individual lost {$4000.00}. My question is how can this be a mistake or an accident?. For your information also, I have a credit card with this bank and Im paying interest on it while the bank refuses to refund my money to pay down the balance. I just want this nightmare to end, .. this couldnt happened at a worse time because of other things I have to deal with.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$31.00} XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiry listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/year> Chase closed/freezes my checking account after I submitted an internal transfer. During this time, an auto payment was scheduled for my XXXXXXXX XXXX XXXX XXXX. Since Chase had frozen my account, they reversed the auto payment leading to XXXX XXXX  charging me with missed payment/payment reversal/late fees/interest. I contacted Chase to reimburse me for these fees and shared I could provide evidence. After being transferred 3 times and talking to multiple people, Chase ultimately denied reimbursement.
Consumer complaint received 2022-10-29
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)

Equifax how are your reporting a XXXX XXXX XXXX  on my report when XXXX does not have this information in their system? I sent a dispute letter along with a letter from letter from XXXX stating that the XXXX was deleted from their system due to it be unverifiable. I also sent in a letter from the XXXX XXXX XXXX  stating that they do not provide court information to third party companies. 
So my next question is who provided you with the XXXX information? How did your properly verify this to be true and please provide me with the correspondence between Equifax and the entity that provided this information.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance {$310.00} XXXX XXXX Balance {$40.00} XXXX XXXXXXXX Balance {$28.00} XXXX XXXX Balance {$440.00} XXXX  XXXX Balance {$710.00} XXXX XXXXXXXX Balance {$0.00}
Consumer complaint received 2023-07-15
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. (LA)

Attached is a copy of my consumer report with displaying several inaccuracies on my consumer report that are violations of several sections of the FCRA the items are as follows High Balance : The high balance reported differs significantly.

Account last verified inaccurate Date of Last Activity : The date of last activity is reported differently across all three credit reporting agencies Date Reported : The date reported also exhibits inconsistencies.

Balance reported as {$6900.00} how is there a balance owed on a charged off account? As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt as gross income. The IRS clearly states charge off as income the reporting of this account is inaccurate. 

1. FCRA Section 611 ( a ) ( 1 ) ( A ) : The requirement to provide accurate and complete information to credit reporting agencies.

2. FCRA Section 623 ( a ) ( 1 ) ( A ) : The requirement to promptly update and correct inaccurate or incomplete information.

3. FCRA Section 623 ( a ) ( 5 ) : The requirement to maintain and follow reasonable procedures to ensure the maximum possible accuracy of consumer information.

15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-15
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)

I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information below is what I found on my credit report that is not mine. I demand the accounts below be removed from my credit report immediately! 

XXXX XXXX XXXX XXXX  {$940.00} XXXX XXXX XXXX XXXX XXXX {$41000.00} XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX {$540.00}
Consumer complaint received 2017-05-31
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA (CA)

Hello, my issue with myfedloan.org is that once my forbearance expired, I was not notified that my recent application for annual forbearance was declined. I was not able to access my online account and was told that the reason was that my name was spelled incorrectly on a tax document that myfedloan used to identify me. Because of this problem, It was unbeknownst to me that I was 90 days late, and my credit was deeply impacted. I have paid myfedloan account to current and have asked them to correct the late payment, but they told me that they could not.     I have worked many years to create a positiv e credit score, a nd now it is demolished because of this issue that could have been easily remedied if I had access to my online account.     Any help is greatly appreciated. Thank you.     -  XXXX   XXXX
Consumer complaint received 2022-10-29
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. (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 XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX Bankruptcy Reference # XXXX has violated my rights 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 2021-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I did not have access to my account. When I finally had access to review my balance it was not the correct balance. I canceled card and filed a claim. It was over XXXX missing from my account. They closed the claim and said they would not be returning my money. I proceeded to go to file complaints with the police department. Wells Fargo is now saying they are sending it up to the executive office. I do not believe they will return my money. I believe it's just a stalling tactic. This money was directly deposited to the account from a government XXXX competition I receive from the military as I was an American soldier. They have insurance to cover this and still have not returned my money. I'm actually having to live in a XXXX XXXX at this very moment because they allowed my former boyfriend to steal my money. He beat me XXXX XXXX and mentally abused me for years. Now they allowed him to steal my money and cause me to live in a XXXX XXXX because I don't have my XXXX money.
Consumer complaint received 2019-09-23
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I believe if you look at your records this is my 5th complaint with Capital One. The last one I submitted over 45 days ago and heard 1 time from Corporate Office on XX/XX/XXXX. XXXX who is supposed to be a Supervisor at the Capital One Corporate Office clearly stated that she would look into the fraudulent charges on my account and assured me that she would get back to me within 1 week. Well, here we are XX/XX/2019 and I am still yet to hear back from her or ANYONE from Corporate Office regarding this matter. Since XX/XX/XXXX, I have called 4 times and left 4 messages with her voicemail. In the meantime while she is supposed to dispute these charges and investigate them Capital One is still calling me harassing me about payments. They have negatively marked my credit report and my credit score dropped 81 points AGAIN. They call at least 8 times a day and even on Sunday 's. I have all the calls documented. It's so frustrating that they continue to lie and ruin consumers financial well beings. This has put an extreme amount of stress on my health and I will continue to gather information regarding these issues, as well as all of my health records regarding this matter and as of last week I started recording all my calls to the Corporate Office as proof that they NEVER answer the phone. I have phone records highlighting the ONE time that I heard from Corporate. It is BEYOND RIDICULOUS that they are able to get away with this to consumers. This needs to be addressed by someone at their highest office who ACTUALLY knows what they are doing. They should be embarrassed of themselves and the treatment that they give their  consumers.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CA)

Credit Karma promised that my tax refund would be available to me six days early, So i opened the account with them.They deposited the money in their new account opened and mainatined by XXXXXXXX XXXX XXXX 

Credit Karma withdrew {$1000.00} from my connected checking account/ XXXX XXXX {$1000.00} without my permission. This happened on XX/XX/XXXX. 

I complained to CK that money was withdrawn without my permission and asked that dunds be returned back to my account. 

They opened a case number Case # XXXX on XX/XX/XXXX I have been emailing constantly to get an update on this case on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They say case/ investiagtion is pending. I have sent requested documents to verify my identity. 
I have called them on two occasions to find out what is happening. 
on XX/XX/XXXX and again on XX/XX/XXXX at XXXXXXXX XXXX PST. They disconnected call saying no one was available and to call back. 

CK has withdranw my fund without consent and has now frozen them. I ask that this be looked into as my rights over my own funds are being infringed upon.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

EXPERIAN YOU ARE THE ONLY BUREAU REPORTING THIS ACCOUNT INCORRECTLY. IF XXXX IS REPORTING AS PAID OVER THE PAST YEAR -- - SO, SHOULD YOU. WHY ARE YOU REPORTING FALSELY? I DEMAND IMMEDIATE UPDATE TO OK STATUS.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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  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 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 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

on XX/XX/XXXX i checked my credit on XXXX i seen incorrect information on account i disputed this XX/XX/XXXX certified mail i don't know what they are doing maybe still looking or stalling i need you guys help to investigate also my credit has been giving alerts that my information is being used on the dark web so i went to XXXX breach to see if my information has been breach it claimed my info is breached i really need you guys help in this situation.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: REGIONS FINANCIAL CORPORATION (AL)

I've had alit of money stolen from me from beginning dates XXXX though XXXX I was incarcerated from XXXX to XXXX someone left a gap then stole some while I was not paying attention to my account I never received alit of my social security payments. I've been going through this a long time these transaction id # are not correct and I've been scammed.
Consumer complaint received 2023-07-15
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. (CT)

In accordance with the fair credit XXXX  acct # XXXX as 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.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was charged a cash advance fee and I asked for a refund because merchant never stated that I'd be charged a cash advance fee. I would like a refund on this cash advance fee or I will no longer make a payment to Capital One. I tried to solve this issue with a representative and manager but they were unable to resolve this issue. Because you wasted my time and caused stress, I also want interest charges to be waived. If you do not waive these charges, I will no longer make any further payment to Capital One.