davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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)

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, caused defamation of my character and emotional and physical stress : XXXX XXXX XXXX - XXXX, XXXX XXXX  XXXX  XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX - XXXX, Unknown - XXXX XXXX U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.

Please send me an updated report upon completion of my request. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-01-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

So my online banking has been locked for over 2 years. I lost my wallet which has my credit cards and ID I provide them with the phone number I have on file and they cant verify me. Im XXXX and live far from the bank. I need access to my online banking
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XX/XX/XXXXas 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 2023-01-11
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. (TX)

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, defamed my character and caused undue stress : XXXX  - XXXX, XXXX XXXX - XXXX 12 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.

Please send me an updated report upon completion of my request. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (NY)

On Wednesday, XX/XX/23, I received a notification about a derogatory mark on my credit report. It came from Trident Asset Management via XXXX XXXX in XXXX, Texas mentioning I owed a balance of about {$180.00}. I have never lived nor traveled to Texas in my lifetime this is truly a case of identify fraud. This is the second time that Trident Asset Management has placed a derogatory mark on my credit report in less than 1 year. I called Trident Asset Management and explain to them once again I was a victim of identify fraud and they mentioned they will remove it from my credit report. I am not certain to why this continues to happen but I need this removed from my credit report.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My identity was stolen. I contacted capital one to inform them to freeze all transactions on the account. They allowed transactions to be posted after the account was frozen. They do not send me physical statements in the mail. They disabled my online account access which prevents me from seeing my statements. They also charged me interest on accounts and dinged my credit report.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On XX/XX/XXXX of this year, I filed a complaint with the CFPB concerning Bank of America taking money that was not owed them in Complaint # XXXX. This is a related yet different complaint about that situation. 

I was contacted by XXXX XXXX from Bank of America 's Regulatory Complaints Operations department asking me to contact her about whether or not I was the person who initiated the complaint. She gave her available office hours and asked that I call during that time. However, she did not give a phone number at which to reach her. I have included a screenshot of the email in question as evidence. I sent three ( 3 ) emails trying to engage her in regards to my initial complaint. All of them have gone unanswered. I find this to be typical of Bank of America 's attitude towards customers and clients. Further, I feel this is an attempt by Bank of America to avoid accepting responsibility and strongly encourage the CFPB to investigate the matter in their full official capacity under federal law.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

I have sent the credit bureau 's letters asking them to verify the debt on my report. They have sent it back that everything is verified correctly. My credit report is still showing inaccuracies.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 consciously avoids knowing that the information is inaccurate.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have sent the credit bureau 's letters asking them to verify the debt on my report. They have sent it back that everything is verified correctly. My credit report is still showing inaccuracies.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 consciously avoids knowing that the information is inaccurate.
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have checking and savings account at capital one bank also XXXX XXXX. My account been talleeed wont their are many fraudulent activities been taken place on it. Money been stolen on numerous occasions. I called in all I feed ice was lies, deflection, get transferred from person to person someone got on it and said they were the supervisor And laughing said they will fix it right away and change my accounts insrwa it got worse they close my account and said they no longer wanted to do business with me and it been since XXXX and they refuse to send me my money thats left in my account after they have stolen portions of it every time I calm its a game. I went I XXXX to open an account and it got hacked and ended in a XXXX $
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

Gift Card Order # XXXX - {$4000.00} Gift Card Order # XXXX - {$5000.00} Gift Card Order # XXXX - {$20000.00} All American Express Gift Cards purchased online through American Express with an American Express Gift Card. Gift cards were received only to find that they had been partially used before receiving them. Someone had hacked into their site or something and was using them all over the country. Upon contacting American Express they deferred us to the American Express Gift Card department who then told us we personally had to contact each vendor that we see the fraudulent charge was used and try get our money back that way. I feel that we should be getting the money back from American Express as they are the ones who sent the fraudulent products. No one wants to help and just keeps passing the buck. I have spent days on the phone being passed back and forth to each company with no avail. This is just wrong.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MONEY SOURCE, INC., THE (CA)

On XX/XX/2022, my XXXX XXXX XXXX account was compromised. The majority of my bills are paid from this account via autopay and have been for years. I went in the same day and closed the compromised account and opened a new one. I then contacted all my payees and submitted the new account information. Everything went as planned until XXXX. I received a notification from The Money Source ( my mortgage company ) stating that my bank declined payment. I gave The Money Source the new account # and explained that I've been on autopay with them since opening my account with them. Also that they had received 2 payments already from the new account, so how did a different # suddenly get associated with my bank. Things seem to go back to normal so I thought. I XXXX XXXX, I got another notification from the Money Source stating the payment was declined by XXXX. I then called XXXX and did a 3 way telephone call to The Money Source.. The XXXX agent told the Money Source agent that the issue was on their end by inputting the old account #. We don't understand how that could happen when The Money Source had been receiving payment with the new account number then arbitrarily began using the old number. This caused a hit on my credit report for a late payment in XXXX. I have had perfect credit for more than 5 years, this set me back into fair status. I have contacted The Money Source via phone and email, my attorney even wrote a letter. They will not take accountability for their mistake and I am paying for it.
Consumer complaint received 2020-10-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TN)

I sent LVNV FUNDING LLC,2 letters disputing the alleged debts of ( {$450000.00} ) on XXXX XXXX that i do not owe. i have requested the validity of the debts along with other information that i have not received, also attached copies of the letters below
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please see attached Credit report. 
I noticed some inaccuracies and would like them investigated Fair Credit Reporting Act gives me the right to have accurate reporting on all bureaus reporting. The attached will show Huge inaccuracies across the board. Rendering it almost impossible to find a place to live or a better job. 

Also if the XXXX XXXX bankruptcy is XXXX .Please remove it from the remarks and my report entirely
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX a fraudulent charge in the amount of XXXX USD occurred in my Citibank checking account. This was at the height of the pandemic and many Citibank accounts were compromised during this time. I attempted to dispute this with the merchant but was unable to reach them. I reached out to Citibank and they said don't worry we'll get this resolved. Citibank closed that account opened a new one and gave me a credit in the amount of XXXX. Fast-forward to XXXX of XXXX I was trying to open a new account for my business but was unsuccessful due to Citibank charging off my closed account in the amount of XXXX. My account was closed with XXXX balance there is no way I should've received a charged off XXXX reporting, especially for a fraudulent charge. I want this erroneous reporting removed immediately, so I can reopen a checking account and continue running my business.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (TX)

Please see attached Credit report. 
I noticed some inaccuracies and would like them investigated Fair Credit Reporting Act gives me the right to have accurate reporting on all bureaus reporting. The attached will show Huge inaccuracies across the board. Rendering it almost impossible to find a place to live or a better job. 

Also if the XXXX XXXX XXXX  is discharged .Please remove it from the remarks and my report entirely
Consumer complaint received 2023-01-11
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. (TX)

In accordance with the Fair Credit Reporting Act, the reporting list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, For my student loans, The reporting of these account ( s ) are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand theseaccount ( s ) be deleted from my consumer report immediately. Please send a copy of my updated report once complete.

For the other accounts : 12 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. I did not give permission for these to be reported on my consumer reports.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. These have caused defamation of my character and extreme stress. 
Please send me an updated report upon completion of my request.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
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. (TX)

In accordance with the Fair Credit Reporting Act, the reporting list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, For my student loans, The reporting of these account ( s ) are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand theseaccount ( s ) be deleted from my consumer report immediately. Please send a copy of my updated report once complete.

For the other accounts : 12 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. I did not give permission for these to be reported on my consumer reports.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. These have caused defamation of my character and extreme stress. 
Please send me an updated report upon completion of my request.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

A couple weeks ago ( over a month ), I zelled some money to my live in boyfriend here in America, like I always do. My zelle transaction was intercepted by bank of America, because apparently, I use the word " XXXX '' in my description to remind me which bill I reimbursed for. Other bills were named on the note, but the only zeroed in on the word " XXXX ''. I contacted bank of a America incessantly, about my funds with no resolution. Every time I contact Bank of America, I am told by various people, including supervisors that my money is under investigation. What does that mean? I am an American, my boyfriend is an American, what is the problem? They ask me tons of questions, I explained that I am reimbursing my boyfriend for money he paid out for me. We ordered XXXX XXXX from an American company paying with an American credit card. No cash. XXXX is an American corporation. He used an American credit card to reserve accomodations for us in XXXX.