davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (OH)

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Discover.

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2024-10-12
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. (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.

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 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I have XXXX XXXX  XXXX accts. The acct with {$XXXX} limit was open XX/XX/year> and had a {$XXXX}. This dispute with Experian has been completed. These are the errors I reported yet Experian said it's updated. It is not updated
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AE)

All three companies make it impossible for me to access my credit report via XXXX XXXX XXXXXXXX This has been going on for YEARS ever since I moved to a XXXX XXXX XXXX Every time I apply, the web site says unable to comply and to send my request via mail. I have been waiting more than 12 weeks for them to respond. This has happened EVERY year since XXXX Please get all three to allow me to access my credit reports via XXXX XXXX XXXX Thank you
Consumer complaint received 2024-10-12
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 XXXX 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 2023-09-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc. (MI)

I have been paying on this loan for nearly a year. 
When I make payments, there have been payments where 100 % of the payment is applied to interest. 
I recently switched to making payments weekly. This would normally have the effect of lowering the total amount of interest paid. Instead, the amount applied to interest rather than principal has ballooned.
Consumer complaint received 2024-10-12
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. (FL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-10-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CreditNinja Lending, LLC (FL)

They are charging me a very high interest rate rate. I am the sole income in my family I called to try Lower the rate because I am having problems but instead the delayed one payment doubled up on the next plus charged me additional fee and interest which caused me more issue and not me more into debt plus the interest rate they are charging me is a predatory rate whos is illegal
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (OH)

American Express is working in collusion with XXXX, which is unlawful in the United States. I purchased tickets from XXXX on XX/XX/XXXX. Delivery was promised within 10 to 14 days at time of transaction. XXXX has been unable to deliver the tickets and agreed to provide a refund. However, no credit was issued. I contacted American Express to initiate a dispute. American Express stated that do not accept disputes from XXXX regardless of the situation ( due to their partnership as Amex makes money off of XXXX ). Regardless, it is illegal to charge someone for an item that can not be delivered under the transactions terms and American Express is not acknowledging that. I spoke to Amex representative in XX/XX/XXXX who agreed to have his supervisor override the system to initiate a dispute. But when I checked back, no dispute was ever initiated. Now, XXXX can not deliver tickets, promised refund, did not provide refund AND American Express refuses to initiate dispute, then promised to initiate dispute, now refuses to initiate dispute and has collected {$330.00} for a fraudulent transaction by honoring their partnership with XXXX ( aka XXXX ).
Consumer complaint received 2023-09-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Commencing on or about XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firm ( s ).
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LJ Ross Associates (NY)

XXXX did not remove 2 accounts that was opened in my name as a result of identity theft ... even after proof of the identity theft was given 4 times. 

Lj Ross assoc acct XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts are not mine never recieved services or opened these accounts. Opened as a result of identity theft.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Did not authorize inquiries listed below please delete from credit report immediately thanks : 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 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 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 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 2023-09-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (SC)

I tried to deposit a check onto my Truist mobile app. The app was giving me an error so I deposited into another account that I had with a credit union. The check ended up clearing both account but Truist ended up taking the funds back out of my checking accout with them so I transferred the funds from my credit union account into the Truist account so there wouldnt be a neg balance. Then on Thursday XX/XX/XXXX XXXX I went to pay for my bills and my card was declined. I called up there and they told me that unfortunately they were closing my account and I would not have access to my funds for more then 7 days!!!! 
My employment check was deposited into the account of {$4800.00} on XX/XX/XXXX and now I do not have access to my funds. I called multiple times and went to a local branch location and they told me there was nothing that they could do since corporate had made the decision. I have been a member with them for over 11 yrs and have never had any issues before. I can not pay my bills and I have since accrued multiple late fees and my credit report is in danger of being affected. They did not give me any notification or warning that they were going to freeze my account. I had to find out when all my bill payments were declined. I am a father of XXXX and have a family to support and now I can not pay the bills that we live off of. I hope my terrible experience will be shared so no one can get involved with this horrible company.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK (NY)

Cant Open and Cheeking Account With Discover Bank Becuase of Security Reason and i never had any accounts with Discover Bank in the Pass and They refused to open a new account for me Please help me with this Problem please i need help with this please My Social Security : XXXX Date Of Birth : XX/XX/scrub>XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-12
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. (NJ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-13
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. (CA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-12-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

First, thanks to the consumer financial protection department for giving me their help in solving this problem. It all starts on XXXX/XXXX/XXXX when I open a page called XXXX. Since I opened your page, the XXXX XXXX XXXX started charging {$12.00} and {$1.00} as of XXXX/XXXX/XXXX from my XXXX XXXX credit card. These two fees were charged twice to my credit card without my consent, for that reason I made the decision to call the bank to report those charges as fraud, then the bank made the decision to block the credit card and the merchant sending free so that I would not continue charging. After the bank conducted the commercial fraud investigation, they returned their money to the bank for a total of {$29.00} of the 4 transactions the company had charged to the bank. A few days after the bank had fixed everything with the credit card where they committed the fraud, the charges were removed from the new card that the bank had sent me. After about a week that the bank had already cashed the company 's money, the bank started charging me {$14.00} a fee that the merchant had already paid and they want to charge me, then I call the bank and I speak with several representatives and also with Supervisor to see if someone could help me solve the problem, but none of them solved the problem. The day I spoke with the bank supervisor, I explained the situation and asked why they charged me that rate if the company had already paid their money and I told them that I did not have to pay that money because it is a fraudulent money that they reported and they recovered it because When they return a money in the credit card that says that the money is not mine and that means it goes directly to them, she said that I do not have to pay anything, so I asked her if I do not have to pay anything why that transaction is in my credit account as if I had to pay and after asking that question, she kept quiet because she knew that I was telling the truth and I also told her that if she did not have to pay that money, why? Do not delete that transaction from my account? Then she gave me several excuses to contradict me and confuse me to pay. For that reason, I ask for help for the financial protection of the consumer, because what the bank is doing to me I see it as a fraud because it is charging me money that I should not pay. If you need any proof to help with the case, let me know and I will gladly send it to you and thank you very much for your cooperation.
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TN)

My loan was sold and no information was given to me. No mail was received nor was a email was sent to the account listed. I've wasted 2 hours of my time trying to pay my mortgage. Why can a company sell my loan and not give disclosure to the consumer in this process? The company is Loan Care ( which has not cared for my loan )!! They can be reached at myloancare.com
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I was attempting to buy an XXXXXXXX XXXX ticket. After giving the person the money for the ticket they blocked me and took off with my money. I have contacted both Capital One and XXXX about this and both ends said they couldnt do anything.
Consumer complaint received 2023-09-01
Product: Credit reporting 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)

I am writing to formally dispute and request the removal of inaccurate information from my credit report, as provided by your bureau. The inaccuracies in question are in violation of federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Billing Act ( FCBA ), Fair and Accurate Credit Transactions Act ( FACTA ), and applicable statute of limitations laws, as well as state Deceptive Trade Practices Acts ( DTPA ). 

The following items on my credit report are disputed : Account with XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account with XXXX  XXXX Account Number : XXXX Account with XXXX XXXX XXXX XXXX  Account Number : XXXX Account with XXXX XXXX Account Number : XXXX [ Include any other relevant information about this account. ] I kindly request that you investigate the accuracy of these entries and provide documented verification within 30 days, as required by the FCRA. If you can not verify these entries, I insist on their immediate removal from my credit report, as mandated by federal and state laws. 

Under the FCRA, I am entitled to : A timely response to this dispute ( within 30 days ). 
A free copy of my credit report once this dispute is resolved. 
The removal of inaccurate information. 
Furthermore, the FCRA, FCBA, FACTA, and DTPA emphasize the importance of ensuring that the information on my credit report is accurate, fair, and substantiated. Violations of these laws may result in legal action. 

In addition to the FCRA and FCBA, please consider the following laws that protect consumers like me : The FDCPA, which ensures fair and ethical debt collection practices. 
Statute of Limitations laws, which may apply to the debts in question. 
[ Include any relevant state-specific laws, such as your state 's DTPA. ] Enclosed with this letter are copies of documents supporting my claims, including [ include any supporting documents if applicable ]. 

Please send me written confirmation of the actions taken regarding this dispute, as well as an updated copy of my credit report once the inaccuracies have been rectified. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely,
Consumer complaint received 2023-09-01
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)

According to the provisions of the Fair Credit Reporting Act '611 ( a ) ( 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 


1.Identify theft : Account XXXX XXXX  XXXX Account number : XXXX 2.Identify theft : Acount XXXX XXXX XXXX Account number : XXXX Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report. 
If you have any questions or need additional information, please contact me at the address noted above. 
Also, I would like to remind you, using the XXXX  method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe Thanks