davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
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: DISCOVER BANK (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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Account name : XXXX Account name : XXXX Account name : XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-08-04
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or was opened without my permission. 
XXXX XXXX Balance : {$5300.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

CapitalOne closed my account and claimed that check I deposited was fraudulent. 
I usually deposit my check into my XXXXXXXX XXXX but after latest updated app was not responding so I did a mobile deposit into Cap1 account on XX/XX/XXXX ( I've had it and actively used for can not even recall how many years ). 
Today I received email stating that my account is restricted until Cap1 verifies recent activity. After I logged into account, i saw that check deposited on XX/XX/XXXX was reversed. I called in, i was told to upload some verification docs, and call back. I uploaded my DL, called back and after barrage of question whose check it is, why i deposited i into cap1, and so forth I was told that check I deposited was fraudulent and my account is closed as of now. Any attempt to resolve fell on deaf ears. 
To add insult to the injury Cap1 refused to provide a timeframe for my money becoming accessible ( wire/transfer out or just check by mail ) claiming they need to do a " review ''.

The fund in my account are from previously CLEARED checks. Those are not Cap1 money to hold indefinitely. Those money are intended for bill payment and Cap1 is preventing this.
Consumer complaint received 2023-08-04
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. (WA)

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.
Consumer complaint received 2023-08-03
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)

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 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 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I called Equifax multiple times to let them that they have the wrong name on record. They have XXXX XXXX XXXX XXXX I sent the documents multiple times to remove XXXX as it is not considered a legal name. The record was corrected 7 years ago and then they added XXXX back the record.Also they sent me a credit report shows that removed the 8 credit inquires from XXXX but you go online they still reflect. I dont feel comfortable dealing with people in XXXX XXXX my personal information this is the reason we had issues with data breaches and it violates the United States security for fellow Americans.Everytime I call Equifax I ask to speak to a Supervisor or transfer to a United States customer service they refuse.
Consumer complaint received 2023-08-03
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: MIDFIRST BANK (AL)

This company advised me at the beginning of last year that I would be eligible for a loan assistance program and I signed up for it. They told me to wait until they approve it and that I didn't have to make payments until the approval was complete and they find a clear title. I followed up on the info they gave me within a couple of weeks then they advised it would take at least 30 days to get the title and they told me to continue to wait and I would get something in the mail or a phone call from them. I did what they said and waited 30 days then when I called back to check on it a rep told me that someone had submitted a death certificate on my account which was not possible because I was the only XXXX authorized to handle anything regarding my mortgage. Shortly after they sent me a certified letter in the mail saying my house was in foreclosure. I did everything they told me to do and they flat out lied to me and put my house in foreclosure without honoring the assistance program paperwork. I later filed for bankruptcy XXXX XXXX and it was discharged, then mortgage company challenged it through the courts advising me I needed to pay or foreclose. I started making payments an they honored the assistance program but after the bankruptcy discharged they advise me they will not report the payments I am making on my credit because the bankruptcy lawyer needed to do a reaffirmation. The lawyer advised it was up to the Mortgage company to do the reaffirmation so I kept getting the runaround and here I am still paying and its not reflecting on my credit and my Mortgage payment increased. I have had nothing but issues with this company, they lie and every time I call someone tells you different things.
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (DC)

I went to a XXXX in California, and I brought a room online for {$89.00}. I left the XXXX to get {$50.00} dollars off my card for the room fee. When I came back in the motel, I was charged again on my card by a different worker. I tried explaining that I already paid.
Consumer complaint received 2020-07-12
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: ALLY FINANCIAL INC. (DE)

Unauthorized inquiries on my XXXX  credit report that I did not authorized XX/XX/2019 Ally Financial, I did not authorize this inquiry. 

XX/XX/2019 XXXX XXXX XXXX  XXXX, I did not authorize this inquiry XX/XX/2019 XXXX, I did not authorize this inquiry
Consumer complaint received 2020-07-22
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 — Investigation took more than 30 days
Company: Onity Group Inc. (MA)

For 12 years, Bank Ocwen did not let me refinance with another banks because bank Ocwen marked my credit report 2 times in XXXX and XXXX with incorrect information and complicated my life moral and financial. 
First they made a mistake with my whife name XXXX XXXX XXXX XXXX XXXX, the bank included her name on the title and the mortgage was only in my name XXXX XXXX XXXX XXXX. We bought the house in XX/XX/XXXX and we lost the house in XX/XX/XXXX the Lawyer XXXX XXXX XXXX said for us leave the house, then we back to the house in XX/XX/XXXX because the bank Ocwen didn't take the house back, we don't know why because we don't know how the law with Mortgage works here in USA and I did a modification just in my name The program HAMP save our home in that time.I would like to know if I can have a compensantion for the damages caused unfairly on my credit report because I finished my bankruptcy in XX/XX/XXXX and I aware I have to wait 10 years to do any refinance with another bank but the Ocwen first marked on my credit report that I did bankruptcy in XXXX then he reported in XX/XX/XXXX marked me again said I had banckrupcity and chapter XXXX in that date that is incorrect and this is unfair because in those 10 years I have been always paid my mortgage on a due date just now I'm in the Forbence Plan, I have to start pay the house in XX/XX/XXXX. I have all papers from the Bank and from the Court showing to prove that I'm saying the truth. Bank Ocwen and Bank XXXX worked together against us. The title is on the name of the bank XXXX and I can not make full payment before XXXX, and I can't sell the house either I'm sending all documents about the house and courts by mail. The bank Ocwen stopped reporting to my credit report my payment since XX/XX/XXXX and I have all documents showing the payments until today. I don't have the Title and deed of the house. 
I tried to refinance the house with another Bank last month and I found that I can't make nothing because of the derogaty, bankruptcy and chapter XXXX marks was reported on my credit report and another bank told me the title is in the name of XXXX XXXX. I will send by mail all the documents tomorrow XX/XX/XXXX. I sent here just small file the rest I will send by mail because they are big file. Could you please help me! 
Thank you so much!
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST HORIZON BANK (NC)

I have previously had a commercial bank loan with XXXX XXXX XXXX  ( now defunct ) which was merged into First Horizons Bank. The loan was paid in full on XX/XX/XXXX. I have been unsuccessful in multiple attempts to get First Horizons Bank to remove their lien from my properties despite their assurance that I have fully satisfied the conditions of the loan. First Horizons Bank 's failure to file a " Cancel of Judgement '' has jeopardized real estate transactions in process. 

First Horizons Bank representatives have acknowledged that there is no outstanding balance due on this account and has promised on several occasions to file the " Cancellation of Judgement '' with the appropriate court. I faxed all requested information to First Horizon Bank twice ( XX/XX/XXXX and again on XX/XX/XXXX XXXX including a previous letter from XXXX XXXX XXXX  stating that the account was " paid in full. '' I was informed that all necessary information has been received and that the " Cancel of Judgement '' would be filed in XXXX County, NC court within three business days of the receipt of documents. This has not been done as of today.
Consumer complaint received 2023-08-05
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying ACCOUNTS 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 XXXX Balance : {$4800.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX  XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-03
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. (NC)

I am writing to file a formal complaint against the credit bureaus XXXX, XXXX and Equifax regarding their lack of response to my dispute letters. Despite my diligent efforts to resolve the issues, I have not received any acknowledgement or response within the required timeframes stipulated by the Fair Credit Reporting Act ( FCRA ). To provide some background, I initiated the dispute process on XX/XX/XXXX by sending dispute letters to the credit bureaus listed below : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX In my dispute letters, I clearly outlined the specific errors and inaccuracies present on my credit reports and provided all necessary supporting documentation. However, I have not received any response from the credit bureaus. Despite my efforts, I have not received any meaningful response or indication that my dispute is being addressed. I would like these addresses deleted, but Im being ignored. The non-responsiveness of the credit bureau has had a significant impact on me. Its causing damage to my credit report and Im constantly being ignored by lenders. In light of the credit bureaus ' failure to address my dispute in a timely and appropriate manner, I kindly request the assistance of the Consumer Financial Protection Bureau in investigating this matter. I would appreciate it if you could intervene on my behalf to ensure that the credit bureaus promptly respond to my dispute and rectify any errors or inaccuracies on my credit reports. I have attached copies of the dispute letters I sent to the credit bureau. These documents provide a comprehensive record of my efforts to resolve this issue directly. Should you require any further information or documentation, please do not hesitate to contact me. Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can help bring about a timely resolution and restore the accuracy of my credit reports.
Consumer complaint received 2023-08-05
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. (PA)

This account is fraud listed below. I demand it is removed from the credit report immediately. XXXX XXXX XXXXXXXX XXXX account # XXXX. The FTC report is attached to this complaint.
Consumer complaint received 2023-08-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Thats why nobody should have an account with BOA. Bank of america states they will close an account at any time and doesn't have to give a reason to why. I find it hard to believe why there banking policies and rules are a bit weird. I feel that if your going to close an customers account then there has to be some sort of a reason to why you decide to be done with the customer for life. None of staff don't seem to realize that if more complaints and issues keep happening then this bank will never get better and will lose more customers. its not about there wants, its about what the customer wants. And the overdraft fees are ridiculous that's mostly the reason why they deemed me as risk and close my account, because I'm not funding my account to keep it out of the negative because of the fees that keeps accumulated after bringing the account positive. There was no money in the account and the account was just sitting. My account was closed out, I was told in XXXX of XXXX but they told me XXXX, and then XXXX, nobody is really helpful or honest and once they close your account just beware and good luck fighting to getting your money back, if you find any suspicious with using your card or account but later find out your account is closed and not knowing, for no reason, and your money still sits there, Just better hope there honest about sending a check to you. Youll need the money right away but won't have access to it immediately or anything. They will leave you screwed with nothing else to have left and once the damage is done. Theres nothing you can do and it's all they say they can do. They don't give you a chance, they don't care about what concerns there customers and won't help you. They better realize that dealing with a banking industry is serious business especially when it comes to there clients money. Every single person is all about there money and understand what hard work is. At the very end of the day. I work hard for living especially being on fixed income.This business is running into more trouble if they don't change and they don't care but it's happening. It's bad business in the worst way.
Consumer complaint received 2023-08-03
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. (MD)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and or deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of face by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are required to do what I am asking and these transactions from being reported to my consumer report within 4 days from the receipt of this notice. I look forward to your response.