davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

On XX/XX/XXXX an account was opened with XXXX XXXX in my name. The Account was opened in Michigan. XXXX ran my credit. On XX/XX/XXXX the account was closed for non payment. XXXX filed a collections report on my credit bureau in the amount of {$630.00}. The collections filing dropped my credit score 65 points. 

I was notified by my mortgage lender that there was a serious delinquency that impacted my mortgage approval. My mortgage lender provided me with the name of the collection agency, IC Systems in XXXX, MN. 

I contacted IC Systems, and proceeded to go through the information in their file. Even though none of the information in their file was correct, nor despite the fact they couldn't prove the debt was valid, they refused to remove their erroneous credit bureau filing. 

I contacted XXXX. They would only have me submit a claim of Identity theft. They refused to contact the collections agency to tell them to remove the information. Funny thing is I live in XXXX XXXX, and have for the last 10 years. During the whole time I've lived in LA I've been a customer of XXXX. How do they open a new account for a new customer on the other side of the country using my information when I'm a current customer? Do their systems not detect this? 

Anyway, XXXX XXXX refuses to remove the information unless IC Systems removes it.IC System won't remove it without XXXX  paying them. 

This is wrong. I'm losing my mortgage and my deposit on the house of {$30000.00} because of this nonsense? This is just not right.
Consumer complaint received 2018-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2018, at approx XXXX CT, I spoke with a Chase Card services Supervisor at their telephone center. This individual advised me that a new promotion would be running for the Sapphire program starting XX/XX/2018. On XX/XX/2018, at approximately XXXX CT, I spoke with another Chase Card service supervisor named XXXX. I advised her of the previous information as well as the previous CFPB complaint in regards to Chase failing to honor their written promotions. XXXX advised she checked their internal info and showed NO promotions and was unsure where the previous Supervisor would have gotten her information. I then asked XXXX for the previous supervisors name to include in this CFPB complaint and she declined. XXXX also declined to provide any other information that could Identify the Supervisor I spoke with on XX/XX/2018, for the purpose of this report. XXXX was advised of a secondary CFPB complaint being filed for misleading information. See previously related CFPB Complaint # XXXX.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance to the fair credit reporting act XXXX  account XXXX XXXX XXXXXXXX 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 states a consumer can not furnish an account without my written instruction
Consumer complaint received 2020-01-29
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. (GA)

To Whomever This May Concern : I received an email from XXXX XXXX stating that they were closing my account because of past due accounts on Experian. That information is incorrect. I have fraud alerts up and down my credit report stating that I have been a victim of fraud for over 5 years. Also XXXX  has an account from XXXX XXXX reporting as a collection account on my report that is fraudulent. I have been back and forth for years over various accounts that are fraudulent and I am tired. I need XXXX XXXX, removed off of my report. I need any other collection accounts removed off of my report. I need any addresses that are not XXXX XXXX XXXX XXXX, GA XXXX removed off of my credit report. I need phone numbers that are not XXXX removed off of my report. I need other names that are not XXXX XXXX XXXX XXXX or XXXX XXXX XXXX removed off of my report. I am not happy with this and I am looking at filing suit. I need experian and XXXX  to remove any and all delinquent accounts from my report asap. I need them to send me an updated report in the mail reflecting that change. Also, for some reason, Experian will not let me see my report online and I don't understand why. I have tried calling that useless XXXX number and all I get is a recording that will not allow me to speak with a representative. Please fix that.
Consumer complaint received 2018-03-11
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. (MD)

I voluntarily gave the XXXX XXXX XXXX ( XXXX ) back their car, which is considered a voluntary repossession. This occurred early 2016. XXXX was supposed to " auction '' the car off, but i was never notified of the sale. But They report a closed $ XXXX Balance on my credit report.
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed 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 account completely from my Credit Reports : XXXX XXXX {$0.00}
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CT)

In XXXX 2021 American Express processed a balance transfer to my account ending in XXXX. I never initiated a balance transfer. After days on the phone I found out that someone did a balance transfer to XXXX and for some unknown reason it was applied to my account. This was resolved but the balance transfer fee of {$350.00} keeps appearing and is now migrating to my other American Express account ending in XXXX. It is impossible to dispute a charge online with them. Instead I have to call and wait and one person tells me one thing and someone else tells me something else. This has cause me to be confused about the amount I owe monthly. Last month I paid {$35.00} and was told on the phone that it was supposed to be {$40.00} and they charged me a late fee of {$29.00}. For act ending in XXXX there were new charges of {$400.00} : {$350.00} Flexible Transfer. No one is telling me why this transfer done by someone else is now migrating into my accounts, causing confusion and fees.
Consumer complaint received 2021-12-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-12-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Have been sending letters to all three credit bureaus about late payments that have been posted to my account. I have requested that the late payments be removed as they are affecting my credit score and ability to get a house.
Consumer complaint received 2024-05-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir or Maam : This is my official complaint against Bank of America ( BAC ) regarding HIDDEN FEES which are the worst form of Corporate Greed and were all avoidable as supported below. 

I am going to keep this to the point without going into the XXXX XXXX XXXX XXXX during my 1 hr & 11 min call. 

I have been a Bank of America loyal customer for over XXXX ( correct 32 years not 3 years ) and also a Preferred Customer per Bank of Americas criteria ( not mine ) but really means nothing in terms of Customer Service XXXX 

To begin -- I want to make it known there is a recorded call with Bank of America on XX/XX/XXXX @ XXXX with XXXX XXXX XXXX ( no complaints against those XXXX employees ) which lasted XXXX & XXXX and want executives to listen to. 

I realized Bank of Amerrica was charging me {$5.00} per month for unkown reasons since XX/XX/2023. Furthermore, these charges were avoidable based on my Preferred Status but XXXX completely failed here with Preferred Customer service. 

When I asked a ) why am I being charged these fees and b ) how caa I avoid these fees -- the Representative had to pull out their XXXX of fee rules and was challenged just to answer the questions why & how I can aovid the fees.

My time is extremely valuable and during our 1-hour & 11-XXXX discussion we uncovered in their XXXX of fee rules that the fees were ALL avoidable if Bank of America linked all my accounts for being a XXXX XXXX. 

I asked why didnt Bank of America link all of my accounts when I opened each account? I never received an answer but the truth is that is Bank of Americas Hidden Fee strategy and the worst form of Corproate Greed. 

Not only was BAC unable to answer the fee questions but more imporantly BANK OF AMERICA FAILED TO DO THE RIGHT THING WHEN THEY ACKNOWLEDGED THEIR ERROR. 

This is exactly what our Adiministatation, Congress, and FTC are trying to take down! I have attached a few articles as a reminder for the executives in case they forgot. And now that they have forced me to invest hours of my valuable time regarding these silly hidden fees I am all-in to shine light on XXXX  Corporate Greed.
Consumer complaint received 2021-01-30
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. (NC)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC (NC)

On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX regarding a charged off credit card account that I had with them. I asked them to verify the debt and stated that upon verification I would be happy to settle the account if in fact the status and amount owed were correct. They never verified the account. Instead I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX offering a settlement of the account for {$270.00} of the supposed {$410.00} owed. At the time I did not take the offer because XXXX XXXX never verified the accounts validity. On XX/XX/XXXX I received a phone call at my parents house ( still not sure how they got their number as I never provided it but am a XXXX ) stating that they wanted payment of {$330.00} to resolve the account right then. I asked if I paid this amount would they delete the account from my credit report and they stated no but that it would update as settled to the credit bureaus. I took them up on the offer because I wanted to be done with this company and my wife and I are trying to improve credit scores to build a house. Upon checking my credit report in XX/XX/XXXX they did update the information however it still shows as charged off and reflects a balance still of {$83.00}.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

i reported to Experian about bankruptcies that are outdated and were not supposed to be on my credit report and they are still there XXXX XXXX explained that they removed the bankruptcies from my report
Consumer complaint received 2019-02-22
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX and Experian Show different Date and year of Last Active. XXXX Shows XX/XX/XXXX. and Experian Shows XX/XX/XXXX how is this possible? this is inaccurate and a violation of the FCRA and needs to be Deleted.
Consumer complaint received 2021-12-24
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: Experian Information Solutions Inc. (CA)

This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my XXXX XXXX report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX Bank. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher
's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX Bank I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Consumer complaint received 2018-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-04-11
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a credit card with Kohls that went into collections back in XX/XX/2014. They are reporting the account on my credit report, listing an unpaid balance of {$570.00}. Recently, I tried to call them to resolve the unpaid balance, so the account would update as paid on my credit report. Kohls refused to accept payment from me. On top of refusing to accept payment, they are telling me that they also will not remove the account from my credit report. They are holding my credit report hostage by refusing to either 1. accept my payment or 2. remove the account from my credit report.
Consumer complaint received 2018-10-11
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: CITIBANK, N.A. (NY)

See attached letter PDF - with copies of statement, letters, etc. 
++++++++++++++++++ XX/XX/2018 CitiBank Office of the President XXXX XXXX   XXXX XXXX XXXX, SD XXXX Re : Account ending XXXX To Whom It May Concern, I received the attached letter from your Security Operations Service Team dated XX/XX/18, Though it had no specific reference to a dispute, nor a date , nor an amount, I believe it concerns a dispute I filed on my XXXX credit card for a charge : XX/XX/18 MewsSystemPOS Praque CZ {$400.00} See the attached copy of my Statement. 

When I first received this Statement, I immediately filed a dispute, and asked for a credit to my account. 

There were many reasons that I disputed the charge : 1. I did not recognize the vendor - XXXX 2. I have never been in XXXX XXXX 3. I had no memory of making this purchase Ive since learned that your Security Operations Service Team has not been able to identify the vendor except that it is a billing service for the travel industry. They asked me what that was. I said I had no idea. ( please review the recording of the phone call that was made to me from your people ) They have not been able to identify what was sold, nor able to obtain a copy of an invoice ( signed or not ) related to this charge. 

They only knew that the card had been physically swiped. 

Since then, I have learned that another charge/swipe, for a much lesser amount, was made within two ( 2 ) minutes of this one. 

To me, this is proof positive that a double swipe was made! And that this {$400.00} is fraudulent! 

Furthermore, I must point out that the charge is in US Dollars. In the entire month I was in XXXX, every other charge was in the local currency. 


I am extremely upset by the way that CitiBank has handled this matter. 

I have written several letters. 

I have made several phone calls and have had very unsatisfying conversations with CitiBank people who seemed to believe their job was to prove I was in the wrong. 

Their XX/XX/XXXX letter to me with no identification of what matter or incident they were referencing was at best baffling : and perhaps further indicates a very real lack of professional skills and/or competence. 

I once again request that this charge be credited to my account. 

Thanking you, I am XXXX XXXX
Consumer complaint received 2018-11-23
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: Experian Information Solutions Inc. (CA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is very clear that XXXX  and Transunion are providing false information on my credit report, worst is, when I contacted them to dispute the accounts and ask for evidence or proof of ownership, they could not supply one.. CFPB amp up and remove XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX , SXXXX XXXX
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO. (IL)

I have a fraud alert on my credit report. The below companies ran inquires without my permission. I disputed the below items with the credit bureau but nothing has changed. Anytime anything is done with my credit I am supposed to be contacted first. Please remove below inquires. Thanks XXXX XXXX XXXX XX/XX/2017 CHASE CARD Bank XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2017