davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-10
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. (NV)

In accordance with the Fair Credit Reporting act. The List of account ( s ) below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Accounts # 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 2020-04-20
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. (TN)

My credit report shows XXXX accounts XXXX & XXXX were reported 90 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX. Both of these trade lines are wrongfully negatively impacting my credit rating and as a result I have been denied credit and/or extended credit at a higher interest rate that I would have had these trade lines been correctly reported. The attached transcript ( XXXX Transcript ) clearly states that my XXXX degree was awarded on XX/XX/XXXX. According to StudentAid.Gov, an official website of the U.S. Government ; " Direct Subsidized Loans and Direct Unsubsidized Loans have a six-month grace period before payments are due ''. It also states " if you received a PLUS loan as a graduate or professional student, youll automatically get a six-month deferment after you graduate, leave school, or drop below half-time enrollment. No payments are required during this six-month deferment period '' ( see highlighted section on page 3 of attached Student Loan Repayment _ Forebearance Period.pdf ) My graduation date was XX/XX/XXXX ( see highlighted section of XXXX Transcript.pdf ) therefore my graduate student loans were under a six-month grace period and would not have been due for repayment until XX/XX/XXXX. XXXX has incorrectly reported these two trade lines as late. Per the Fair Credit Reporting Act ( FCRA ) I have the right to dispute incomplete or inaccurate information ; Inaccurate information must be corrected or deleted within 30 days ; and I may seek damages from credit reporting data furnishers for FCRA violations. I have disputed these negative entries in the past but XXXX came back and said they were correct. Based on the information/documentation provided these are clearly not correct ; therefore I demand that these two incorrect trade lines be removed from my credit report immediately.
Consumer complaint received 2020-06-08
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: AMERICAN EXPRESS COMPANY (TX)

Original dispute filed with American Express for a charge of XXXX made to XXXX in XXXX of XXXX for the event occurring in XXXX. When XXXX was canceled On XX/XX/XXXX I originally disputed the charge with AmEx and they removed it, then received an alert that my card would be recharged for the amount. Because American Express partners and supports XXXX they are not providing my refund despite the fact that the event did not occur due to COVID-19. Neither XXXX nor AmEx has offered any consideration of the fact that I have now been charged for an event that did not occur. I have received no product or service from this purchase not has American Express tried to resolve it in any way.
Consumer complaint received 2022-08-20
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. (NJ)

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Based on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a promotional offer for a zero interest balance transfer. I think that some how inadvertently and not intentionally the check was written to the same company that issued it. When this was realized the company was contacted. The explained that this happens a lot and yes they do make a profit off of it and they would not correct it. In the process of doing this .... one of the supervisors ( XXXX Employee id XXXX ) state he was the highest supervisor and that you would have to write a letter to Bank of America to get any higher than him. This is fact was a violation of their own company protocol and again the company stands to profit off of this with a complete refusal to help.
Consumer complaint received 2024-09-25
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: AMERICAN EXPRESS COMPANY (VA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2022-03-22
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX 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 2024-08-09
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. (MD)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

These are accounts are TOO old in which exceeds the FCRA laws, or they are not mine! I also didn't authorize this company to pull my credit, or the address I have never lived in. I filed a complaint with the FTC in which I attached 3 reports that has all the information on it.
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

My account had a balance of XXXX. I took an XXXX XXXX, then spent XXXX at XXXX  and ordered a XXXX XXXX. This left me with XXXX. I transferred in XXXX into my Fifth Third Bank Account. They stole XXXX leaving me with a balance of XXXX. They keep stealing small increments of cash as if I don't notice. I want my XXXX back now. I have perfect math skills. Give me my XXXX back. Me and a witness watched them do it. I only used my card at 3 businesses and keep all receipts.
Consumer complaint received 2022-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (NC)

On XX/XX/2020, I XXXX   and had to be taken to the hospital via ambulance. The XXXX  that I saw that day was XXXX XXXX XXXX. I XXXX  XXXX XXXX  and XXXX  my XXXX, which at the time was admitted into the XXXX. I was treated and released on XX/XX/XXXX. On XX/XX/XXXX I returned to the XXXX  with two XXXX  XXXX  and was admitted again then later released several days later. XXXX XXXX was the XXXX  that attend to me the whole process. Since then, We were billed by multiple companies. Our insurance provider at the time was XXXX XXXX, and paid all the bills with the exception of one. This particular bill is coming from XXXX XXXX XXXX XXXX. XXXX XXXX claims that this invoice is from an out of network location. Now, I only went to one hospital, XXXX XXXX XXXX in XXXX North Carolina. This is an XXXX XXXX company. I have contacted XXXX, they can not tell me nor do anything about the bill and said to contact the number on the bill. I have done that as well, and they say to contact XXXX. Meanwhile the bill has not been paid by my insurance and it has gone to collections. I have yet to be given any documents signed by myself, saying I received any services by the doctor on the bill. Also no-one at XXXX can provide me with that either.
Consumer complaint received 2022-07-20
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. (LA)

i had a loan with XXXX XXXX acct # XXXX in XXXX of XXXX  i caught XXXX, i was in XXXX  for XXXX months before comming home. i was home for another XXXX months. trying to recover. i didnt return to work till XXXX of XXXX i always made company aware of situation.i made arrangements for settlement on account ahich they agreed.but they reported negative marks on my report. according to cares actsigned XX/XX/2020. if furnisher makes accomdation because you were affected by covid 19 during covered period. that lender must report account as current to credit reporting agency, clearly this was not done
Consumer complaint received 2021-07-04
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: Experian Information Solutions Inc. (FL)

I AM REQUESTING A RUSH INVESTIGATION INTO THIS MATTER, LOAN PENDING. 

Complaint : I need the following bureaus to remove the errrant account that has been verrified and validated to be correct when it is absolutely 100 % obviously not when all 3 bureaus report something different. 

Targets : XXXX XXXX Experian Please reference CFPB Compaints : # : XXXX - XXXX XXXX XXXX XXXX # : XXXX - XXXX XXXX XXXX > Passed to Comptroller of Currency # : XXXX - XXXX XXXX XXXX XXXX  Again Dear Bureau, All 3 CRA 's above did not follow the Fair Credit Reporting Act Section 611 in the investigation of my disputes. They didn't follow any laws. 

They recieved the dispute, it automatically got sent to the collector who automatically generated an acknowledgement letter and then automatically generated a validation letter with the most recent account statement. Those documents are mailed to the person disputing hte innacuracy and they submit verification to the Bureaus. 

The Bureaus though, are supposed to conduct their own independent investigation into disputes and if they had done that in any of the disputes in this case it would be obvious that this account continues to report inconsistently and innacurately since I started disputing the account in XXXX of 2020. 

I want to know how the XXXX bureaus above were able to verify based on their investigation that my dispute was not accurate and the company was accurate when the information I submitted in my dispute is 100 % not accurate or consistent and remained that way since appearing on my report.
Consumer complaint received 2019-03-30
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Strategic Alliances, Inc. (AL)

I had couple collection companies calling me about the debt to the original creditor XXXX XXXX for the amount of {$550.00} and then last person that call me said that I owe around {$900.00}. 
I personally call XXXX XXXX and they told me that I had pay that debt, also I have a letter confirming that I make that payment.
Consumer complaint received 2023-06-28
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX - XXXX
Consumer complaint received 2020-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NV)

MIDLAND FUNDING ( XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-09-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Southwest Stage Funding (WA)

I have put my home up for sale and the new buyers lender wants a copy of the title. I only owe {$4000.00} on the house. It is a Manufactured Home. I am having a problem getting the information and have been on the phone virtually everyday for the past 2 weeks with XXXX which apparently is part of Southwest Stage Funding XXXX. They are required by law to supply me with this information within 7 days and we are now approaching 20 days. I've been dealing with a very nice lady by the name of XXXX and she has tried very hard to try and get this information for me. She has even gotten her Director involve and yet still nothing. I am about to lose this sale as well as a job transfer in another state because of this problem. It is also a violation of lender law to inhibit the sale of a home.
Consumer complaint received 2021-08-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I've been trying to submit my information to Experian, XXXX  and XXXX  and have not been able to get them to properly update my file according to federal law.
Consumer complaint received 2021-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a checking account with Capitol One, and my job has already sent my direct deposit to them, they have not deposited it in my account, nor do they know where my money is. I have direct deposit with another bank with a set amount, my direct deposit has already been deposited but nothing from Capitol One.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have been a BOFA mortgage customer since XX/XX/XXXX and have never had issues making a timely payment. In XX/XX/XXXX BOFA changed their online payment system & since then I've had 2 consecutive months of issues. The first was the lag time between my XXXX payment submission & payment posting ( 5  days ) which caused my account to be flagged as 30 days late & dinged my credit report. ( This is the first time a payment submitted was not applied same day. ) The second was when attempting to submit my XXXX payment, the payment never went through. I was forced to call ( for the first time in almost 4 years ) to  make a payment to ensure that my account was current. That payment was made on-time. 

This issue with their new online payment platform has created a much more concerning situation where now my credit has been impacted. 

I've called BOFA 3-4 times to rectify this error & the associated impact to my credit report. Since reaching them & logging 3 complaints/cases & now waiting 48 hours+ for a call back my XXXX  credit report shows as " data unavailable '' for XX/XX/XXXX and reflects paid for XXXX & " 30 days late '' for both my XXXX & XXXX BOFA mortgage payment. It is XX/XX/XXXX, my account can not be 30 days late 7 days into the month ... 

This 2 month " hit '' has decreased my credit XXXX points at a time when I am attempting to close on a new home. I am extremely concerned that this will impact my ability to close on a home I am under contract to purchase. I'm unsure how to resolve this issue but I need it resolved ASAP.
Consumer complaint received 2022-07-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to the day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these terms within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.