davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (WV)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX  ( Date Opened XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$7100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$5500.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-05-14
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX. Account XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, Account XXXX XXXX XXXX # XXXX have 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
Consumer complaint received 2019-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I received a letter from Bank of America that they closed my card-without ANY indication why. The card has a XXXX dollar balance. However, I never received any notification that they were going to close due to inactivity ( if that is even the reason ). I called Bank of America on XX/XX/19 and they said they can not tell me why but they are going to send me a letter. This is very concerning. 1. Closing a customers account with no notice. 2. Not initially providing a reason why on the closure letter. 3. Still can not disclose information and have to wait another two weeks. Closing a consumer card impacts the consumers credit. If it is for inactivity I have NEVER heard of a card company providing notice to allow the consumer to be active on the card and prevent the closure.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a US born XXXX yr old XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have had CapitalOne accounts for XXXX YEARS! I went to the local branch via {$24.00} car Service XXXX I had an appointment at XXXX with XXXX XXXX-who did show up that DAY or cancel! None of the staff XXXX? XXXX XXXX ( From XXXX ) had a card or name tag! They refused to cash my {$200.00} Cap One360 check ( Balance over $ XXXX ) or sell me a {$5000.00} XXXX I had NINE+ IDs! Driver license, Medicare & Soc Sec ATM & CapOne Credit Cards, I had a XXXX XXXX  Senior Photo ID and XXXX XXXX Card! Due to Covid Protocols & Health concerns the Passport & Driver license were expired! All other IDs were valid & had the name I have had since birth in XXXX XXXX in XXXX To make the nightmare worse XXXX, the mumbling rude teller refused to cash a XXXX check for {$200.00} or sell me a roll of Quarters for a {$10.00} bill. To put a rotten Cherry on the experience my current valid ATM card issued by the XXXX Dept, was rejected by the ATM IN THE BANK as " Not AUTHORIZED!! XXXX XXXX had no clue! ( My PIN was correct! & the card was un-damaged! & Pristene! Twenty 25 subsequent calls to the Branch & XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX etc have not gotten me an apology, refund of my XXXX  ATM fee or the email of XXXX XXXX XXXX or XXXX XXXX!!
Consumer complaint received 2022-05-14
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. (NY)

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. 

15 usc 1681 states : I the consumer have the right to privacy. 

Pursuant to 15 usc 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I have never given any company written permission to furnish a report about me. 

Pursuant to 15 usc 1681c : no consumer reporting agency may make any report containing any adverse action other than convictions. 

15 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any CRA if the person knows or have knowledge that information is inaccurate. 

Pursuant to 15 usc 1635 if a consumer contacts the creditor within the allotted time the consumer has no liabilty for contract. 

DELETE ACCOUNTS THAT VIOLATE MY FEDERAL RIGHTS BELOW. 
XXXX XXXX ACCT NUMBER XXXXXXXX XXXX XXXX- agreement number XXXX I have no contract with this company. please provide a contractual agreement between XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CURO Intermediate Holdings (NC)

I was contacted about being approved for a loan. XXXX Tuesday the XX/XX/XXXX! As I found out yesterday it was fraudulent company! They deposited bad checks into my aaccout, I was told to send the money back to them to improve my credit score so I could get the loan!. Now my bank has closed my account, they informed me it was all fake. I don't know what to do!
Consumer complaint received 2019-07-20
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. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-07-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC. (AZ)

I told the finance company Exeter that the contract they have is different than the one the dealership gave me it's a contradiction and the attorney general has closed the dealership where I got my car I cant get my warranties my oil change or my tires. Exeter wants me to pay but the car doesnt have active warranties because of the fraudulent things the dealership has done. I called exeter to see if I can have an extension because I have to pay for repairs
Consumer complaint received 2022-05-14
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. (NY)

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. 

15 usc 1681 states : I the consumer have the right to privacy. 

Pursuant to 15 usc 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I have never given any company written permission to furnish a report about me. 

Pursuant to 15 usc 1681c : no consumer reporting agency may make any report containing any adverse action other than convictions. 

15 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any CRA if the person knows or have knowledge that information is inaccurate. 

Pursuant to 15 usc 1635 if a consumer contacts the creditor within the allotted time the consumer has no liabilty for contract. 

DELETE ACCOUNTS THAT VIOLATE MY FEDERAL RIGHTS BELOW. 
XXXX XXXX ACCT NUMBER XXXX XXXX XXXX- agreement number XXXX I have no contract with this company. please provide a contractual agreement between XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

They keep saying am overdrawn even if there's money in my account always XXXX overdrafts that do not get put back on. Refunds issued that I do not ever see. Bills I pay get rejected. My info never is correct no matter how many appointments I make with there bankers. Online banking has my info I call they say they don't. They owe me so much money. They just take and take. Am so much in the red. Help us that bank at bank of America now closing all our banks in XXXX WA without giving us our money back
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (LA)

Chase Account # XXXX On Tuesday XX/XX/XXXX, I refinanced my home and took out cash to pay a number of creditors. One of which was Chase dba XXXX XXXX finance. I learned Monday, XX/XX/XXXX that creditors were being paid via check and all checks were mailed that day. 

Given that I customarily pay online, I proactively contacted Chase on XXXX at XXXX XXXX  to inform them that my remaining auto lease payments would be paid in full via check. I spoke with a Chase representative for over ten ( 10 ) minutes, furnishing her with the check number and amount of the check. I was assured this information would be noted to my account and would serve as acknowledgement of payment. 

On XX/XX/28, I was contacted by Chase and spoke with another representative for over ten minutes to explain the payment status of my account. I was informed that my account would not be flagged delinquent, as the date of the check would be considered the date of payment. 

However, on XX/XX/XXXX and XXXX, I received alerts that my credit score had dropped by over sixty ( XXXX ) points between all three bureaus due to a late payment report. 

I contacted Chase on XX/XX/XXXX to express my concern, given the efforts made to communicate the circumstances and the information shared by Chase representatives. I spoke with a number of representatives and was ultimately told that a request for an adjustment would be made and I would receive a letter in the mail. 

On yesterday, I received a communication from Chase simply stating that they reported accurate information and to pursue the dispute process via the bureaus. 

I have never paid over thirty days late on this account or my mortgage, ( which was also with Chase ) and paid off during the same process. Credit is a very valuable, yet delicate matter which effects every consumer 's ability to obtain and maintain relationships. Chase in practice, has not honored the word of its representatives and appears to resist resolving a matter worthy of consideration, given the facts.
Consumer complaint received 2022-05-14
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 XXXX  Account # XXXX and # 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.
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

An unauthorized hard credit inquiry was made by XXXX on XX/XX/XXXX. The unauthorized hard inquiry is found on Equifax. As soon as I was aware of the unauthorized inquiry, I contacted XXXX via email and notified them. XX/XX/XXXX I received an email from a XXXX agent requesting more information in to the matter. After several emails back and forth with different XXXX agents and after several months later, on XX/XX/XXXX I received an email from a XXXX agent stating a request to mask or remove inquiry was placed on XX/XX/XXXX and it would take up to XX/XX/XXXX for it to be removed. XXXX, XXXX I checked my credit report and observed the inquiry was not removed. I sent another email on XX/XX/XXXX to follow up and received a phone call from one of XXXX agents. I was basically told what I've been hearing for the past year. They are working on removing the unauthorized inquiry. I was never told who conducted the unauthorized hard credit inquiry or what actions were taken to prevent future victims. This type of unauthorized inquiry impacts peoples lives in many ways. I'm hoping CFPB will help me resolve this issue.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2021-10-28
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. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-05-17
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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.
Consumer complaint received 2022-05-17
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: Upstart Holdings, Inc. (AZ)

15 USC 1681- ( 2 ) ( A ) ( i ) 2 exclusions states subject to section 1681s-3 states : Any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
This means it's a violation of the FCRA to report late payments as they are transactions.
Consumer complaint received 2019-07-20
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. (FL)

My identity was stolen. I have already reported the information to the police but the credit bureaus are still reporting the information ; in violation of FCRA SS 605B of US Code. I have sent them the information, the police report. copies of, my identification and also utility bills. 

This has been going on for nearly a year. It is causing me significant damages as I am unable to get a new job or apply for credit. They are violating the law and damaging my reputation.
Consumer complaint received 2022-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (NV)

on XX/XX/2022 I made a dispute for some unauthorized transactions for approx $ XXXX On my credit karma money spend account. 
on XX/XX/2022 I received a letter from credit karma stating that per Regulation E guidelines we have issued you a provisional credit to your account for $ XXXX and you now have full access to these funds while we finish investigating your current dispute. 
That letter obviously was just to make it look like they are in compliance with Regulation E when really they are not. 
I didn't receive any provisnal credit on XX/XX/XXXX nor do I have access to any of those funds. 
They are clearly in violation of the federal guidelines, all while attempting to act like they are in compliance. 

They shouldn't be able to get away with this without penalty Guidelines are in place to protect the consumer and this company is clearly doing it how they want to do it. 
This company is obviously trying to buy more time and avoid issuing the appropriate provisnal credit.
Consumer complaint received 2019-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (DE)

I XXXX XXXX have a credit card with Barclay for over five years. My credit line was XXXX XXXX dollars. On XXXX XXXX I received a letter from the company stating their were cutting my credit line. The letter was dated XXXX XXXX. I didn't understand the letter because I WAS NEVER LATER, NEVER PAID THE MINIMUM ALWAYS OVER SO I COULDN'T UNDERSTAND. 
I Called the company to redeem my rewards, and was told that I could use them toward my payment. i believe this started the whole thing. My plan was to take the bill down, i was paying {$120.00} and I wanted to add the {$31.00}. 

I received notification the my credit score had dropped from XXXX to XXXX because of Barclay report. Barclay is always sending communication on surveys and other notification. Why couldn't they notify me  about cutting credit line before the credit bureau
Consumer complaint received 2022-05-17
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. (IL)

XXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Incorrect payment history reported, In accordance with the fair credit Reporting act XXXX 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 an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-05-17
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. (TX)

I have been sending in a letter, copy of my Texas drivers license, and social security card as requested by Equifax because they changed my birthdate in there system. I have sent in these documents for over a month in a half via mail postal services and fax and every time I call the representative informs me theres nothing they can do and have not received my documents. I have verified the mailing and fax information to make sure it is correct but yet still not getting any assistance. When I ask to speak with a supervisor, I always get advised there is no supervisor available or placed on hold and no one ever return to the call after an hour in a half later. Im sending this information to Equifax information services LLC XXXX XXXX XXXX XXXX, Ga XXXX Fax # XXXX
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax has reinserted accounts that had been removed from my credit report without notifying of this action and giving me 5 days notice. I tried to contact to have this issue resolved but was advised I did n't give specific information. The law states that if you fail to notify me, that it is a violation of the FCRA which carries fines if I decide to pursue litigation on this matter. The accounts that were previously removed and then added back without giving me a 5 day notice where :  XXXX  's for {$1900.00},  XXXX ,  XXXX ,  XXXX   XXXX  and a inquiry f rom      X/X/2016 .  I never received any notification from Equifax. I am asking for this information to be deleted as it previously was and I am advising that I never received a 5 day notice of the information being added back to my Equifax files. I 'm asking your company to delete the accounts. Please send me an updated credit report within 10 days showing me that the accounts above have been deleted. Thank you for your time in this matter.
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

There are unauthorized inquires on my 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 have called XXXX about this issue and there has been no resolution. I have no knowledge of these inquiries. 

XXXX XX/XX/XXXX Is also on my equifax report and nothing has been done about this also.