davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received an offer letter for a XXXX XXXX credit card through Bank of America which advertised 0 % interest on charges and balance transfers for 12 billing periods on balances incurred during the first 60 days. Bank of America charged me interest on my account at 21 %. The account was opened in XXXX, the statement with an interest charge was issued XX/XX/year>. 

I contacted Bank of America and they advised that the promotion I received is not associated with them and that no such offer exists. When you call the number on the offer letter, it takes you to a Bank of America call center. When you go to the website on the offer letter XXXX XXXX  ), it has Bank of America branding and links to Bank of America websites.
Consumer complaint received 2017-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: First Data Corporation (FL)

In 2012 someone fraudulently used my business data to open a Card Processing Account with XXXX XXXX XXXX & First Data ( www.firstdata.com ). These 2 institutions did not verified my business address, phone and email and never contacted me on their underwriting process. Due to the problems they had with the fraudster they closed those 2 accounts and put my Business information on MATCH List and I am currently unable to open Merchant Account for my business and loosing business due to their fault.
Consumer complaint received 2024-08-15
Product: Credit reporting 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)

XX/XX/year> Dear Consumer, Financial Protection Bureau, I am writing to formally dispute inaccurate information on my credit report maintained by XXXX, XXXX, and Experian. I believe that these credit bureaus have violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), by improperly reporting information about my account.

The disputed information is a late payment that was improperly reported on my credit report. These late payments is in direct violation of FCRA law and negatively impacted my credit score. 
I am requesting that the aforementioned credit bureaus immediately investigate this matter and correct the inaccurate information. I request that the late payment be removed from my credit report and replaced with a notation stating that the account is " paid as agreed '' or is in " good standing. '' I have attached copies of my credit reports for your reference. I am also enclosing supporting documentation that demonstrates the inaccuracy of the reported information. 
I understand that under the FCRA, I have the right to dispute inaccurate information on my credit report. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that my credit report is accurate and complete. 
Furthermore, I would like to point out that according to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does not include : Information solely as to transactions or experiences between the consumer and the person making the report ; Communication of that information among persons related by common ownership or affiliated by corporate control ; or Communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information not be communicated among such persons. The late payment reported on my credit report falls under the category of information solely as to transactions or experiences between the consumer and the person making the report. As such, it should not be considered a consumer report and should be removed from my credit file.

I believe that this inaccurate information is in violation of the FCRA and is causing me significant harm. I request that the CFPB take immediate action to address this issue and ensure that my credit report is corrected. 
Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-11-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (AZ)

On XX/XX/XXXXXXXX  I called and spoke to a representative to withdraw funds from my account. 
I was told that the investor has put a temporary hold for security reasons on and transfers because the investor has put a temporary hold on fund transfers for security reasons. 

On XX/XX/XXXXXXXX  I called again and got the same answers. But they said I could send a request to ask for the investor 's contact information and send an email to another location requesting the form for requesting a draw. They have not responded.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

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 2024-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

In XX/XX/year>, I mailed two personal checks in two different envelopes to two different tax authorities ( IRS / U.S. Treasury, and the Colorado Dept. of Revenue ) on the same day from a local XXXX XXXX XXXX. The checks were stolen out of the postal system, altered, and cashed by a criminal. It should be noted that while the checks themselves were altered, the amounts of the checks were not altered. The check made payable to the Treasury was for {$63000.00} and the check made payable to the Colo. Dept. of Revenue was for {$12000.00}. 

These two checks were estimated quarterly tax payments made voluntarily by me using personal funds in my USAA Federal Savings Bank checking account. I was not paying tax bills. That is important to note because when the IRS and the Colo. Dept. of Revenue did not receive my quarterly payments, they had no obligation to notify me of that. So, when the checks I wrote cleared my bank account, I believed it was because the IRS and Colo. Dept. of Revenue had received the money when in fact they never received the money and did not tell me. 

I was alerted to the crime by the XXXX XXXX XXXX months after it happened. I immediately notified my bank USAA and provided them bank with copies of all the criminal investigation reports available. USAA refunded {$63000.00} to me, but refused to refund {$12000.00} to me, saying my request for a refund was outside their 60 day window for making such requests. 

While I'm grateful to have my {$63000.00} back, I don't see why I was allowed to have that amount refunded and be refused a refund of {$12000.00} when everything happened at the same time. I asked USAA how to appeal their decision but my request was ignored.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NE)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX
Consumer complaint received 2015-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: STERLING JEWELERS, INC. (NC)

Received a call from an very rude gentleman saying that a debt was owed and if I did not respond within 2 hours, they would issue a warrant for my arrest. I asked what the debt was about, they referred me to an alleged attorney 's office. Attorney name was XXXX XXXX XXXX. Phone # XXXX XXXX XXXX. Spoke with them. Asked them to provide me a copy of the debt. They said they did not have that info and they referred me to a company call XXXX in XXXX XXXX, CA. Phone # XXXX XXXX XXXX. The attorney said that this is the company who owned the debt. Called that number. The lady answering the phone was extremely rude. I told her i was calling to try to resolve the debt in question. She had faxed me a credit card authorization form and a letter stating that the debt was due today. She told me that if the debt was not paid, they would have me arrested. I explained that i didnt want to give them credit card information and asked if i could pay with money order or certified check from my bank. She said no, credit card only. I told her i wasnt giving her a credit card and she said then i would just suffer the consequences. I asked her for a written validation notice ... she said " you owe the debt, just pay it ''.
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

Subject : Request for Removal of Erroneous Account and Violation of Reinsertion Under Consumer Laws Hello Sir/Madam, I am writing to address several critical issues related to an account reported by Midland Credit Management ( Original Creditor - XXXX XXXX XXXX XXXX on my credit report. After reviewing my credit reports from each of the major credit bureaus, I have discovered multiple inaccuracies associated with this account, which has caused significant harm to my credit profile. 

Details of Inaccuracies : High Balance : The high balance reported is incorrect. 
The Collection Agency- Reported the negative/erroneous remark twice which reflects as a Charge-Off and one reflects 120 days late with XXXX. This significantly dropped my score by XXXX points. This is in a direction violation of the FCRA. Requesting to be removed from my credit reports immediately. 
Date of Last Activity : The reported date of the last activity is erroneous and does not reflect the actual activity. 
Date Opened : The reported date opened does not match my records. 
Date Closed : The date closed reported is inaccurate. 
Credit Limit : The credit limit listed is incorrect. 

Furthermore, I have never had any business dealings with Midland Credit Management nor have I provided my personal information to them. The original creditor listed is XXXX XXXX, which suggests that my personal information was sold to this debt collector. This accounts presence on my credit report is not only inaccurate but was also introduced without my consent or knowledge. 

Under the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 and 611 ( a ) ( 5 ), I am entitled to accurate information on my credit report. I also want to highlight that the reinsertion of this account appears to be a violation of the reinsertion rule, as it has been reintroduced after being disputed or resolved previously. 

Despite my repeated attempts to dispute these inaccuracies, I have not received a satisfactory resolution from the credit bureaus or Midland Credit Management. The erroneous and misleading information has led to significant damage to my credit score and personal distress. 

Given these circumstances, I am requesting the immediate removal of this account from my credit report. Failure to address this matter in a timely manner will compel me to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies as provided under the FCRA. 

Please acknowledge receipt of this letter and provide a detailed response on the corrective actions that will be taken. I expect a resolution within 30 days from the date of this letter. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MI)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-09
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. (SC)

I requested from all three major credit buraes to provide me proof of my wet signature that i own these accounts in question and the credit bureaughs keep validsating the accounts without proof that these are my accounts. I attached a police report of the fraud accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo Financial National Bank prefunded a vendor XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, in XXXX, Tennessee ZIP Code XXXX, telephone number of XXXX ) before the work had been completed and Wells Fargo Financial National Bank has been billing me for the balance which I have been paying monthly. I have requested Wells Fargo Financial National Bank to delay billing, but they have refused to delay billing or adjust payment due date stating the problem is between the vendor and me.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-08-15
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2015-10-23
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NC)

I have been a Ruch Card holder for over 4 yrs. I am not able to get my money for over 2 weeks. My bill have fell behind and I am about to be evicted from my apt . I am at my witts end on what to do. Please help me get my money off my RushCard. 
XXXX XXXX Worried
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm reaching out regarding the measures that are calculated to factor consumer credit reports and scores. I don't understand how I can use my credit card today within 72 hours charges appear on my credit reports. In the same instance if I make a payment or pay down my credit card balances significantly, it's not reported until after 4 or 5 days past the billing cycle.

How is it possible to have a system that is so flawed that it penalizes every consumer that utilizes their credit limits instantly. If the same consumer pays down their balance the information isn't reported until almost a month later! 

What is the system designed to penalize Americans rather than strengthen the economy by reporting true and accurate information. It makes no sense to have as many different scoring modules when attempted to utilize your credit worthiness. Shame on these companies that you operate credit worthiness in this manner while in the same breath you sell information to companies without permission. This greed in America is ridiculous and as a consumer I am sick and tired of it!!!
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX  days to be removed. They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX, XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is XXXX XXXX XXXX and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
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. (PA)

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. XXXX XXXX  XXXX XXXX XXXX XXXX {$7700.00} XXXX XXXX XXXX {$5800.00} XXXX XXXX  XXXX XXXX XXXX XXXX. {$9500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$200000.00}