davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

So I currently purchased credit repair software and I ran my credit report instantly. Upon examining my report I found a few mistakes. Those mistakes being my name being misspelled, my address not being up to date and current employer not being correct as well. Knowing that these credit bureaus are responsible for millions of people inform and also knowing that they have ha habit of making plenty of errors on peoples credit report. I thought that disrupting these error would be the correct move to make.I sent my disrupts out on XX/XX/2022 and I have yet had any help with removing this information. Can you please help me?
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MO)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be deleted immediately. 
I demand the following Inquiries be deleted immediately. 
ALL LATE PAYMENTS REMOVED IMMEDIATELY.
Consumer complaint received 2024-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Acct # XXXX Reporting From XXXX For A Balance Of {$370.00} Is Reporting To All 3 CRA incorrect According To FRCA 15 us code 1681 No Transcactions or experiences are allowed to be on a consumer credit report Income is forbidden to be on a consumer report
Consumer complaint received 2022-11-06
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. (PA)

In accordance with the Fair Credit Reporting Act The XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a 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 2022-11-06
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. (AR)

I have disputed this twice and this was the day the dispute started on XX/XX/2021 because this was the date it shows it was delivered. They never verified these items, and they failed to delete these items from my credit report. 
I have never had any dealings with the companies listed below. After no response from XXXX, Equifax or XXXX, i did further research on the companies listed below. These companies are not licensed in the state oXXXX XXXX  which means they are attempting to collect on a debt illegally. Per laws ; Section 604 15 U.S. Code 1681 B, Section 605 A 15 U.S. Code 1681 C-1, and Section 605 B 15 U.S. Code 1681 C-2 These items have to be deleted off my credit report immediately due to the reasons stated above. 

XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXccount XXXX XXXX XXXX XXXX XXXX XXXX XXXX On my credit report it also show these student loan accounts closed but they were paid off. They should be deleted off my credit report also. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-07
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date opened XX/XX/2017 Balance {$150.00} XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX  XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX Date opened XX/XX/2017 Balance {$120.00}
Consumer complaint received 2022-11-06
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company did even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( K ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such noticed may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 16011 ( a ) a consumer must be aware of the cost of transaction. Since i was not aware of the transaction therefore made uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things, DELETE THESE ACCOUNT OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) CAPITAL ONE If you accept my request, i will not escalate this matter to Federal Court . in case, you dont accept the above request, a legal action shall be taken against your your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX All Rights Reserved Without Prejudice
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I submitted a FTC Affidavit along with a police report to XXXX showing that the XXXX XXXX XXXX account was opened as a result of fraud. This matter still has not been resolved. I need your assist in getting this matter resolved. I also can't see my credit results for Equifax.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

My prepaid card information was stolen, the person called Bank of America and change the address on my account and has themselves shipped a new card. Bank of America mailed them a new card and did not notify me of the change of address. I never reported my card lost or stolen and they cancelled the card I had in my possession when they mailed the new one. Once the person received the card they attempted to activate it online and it was denied, they then called Bank of America who activated it for them over the phone without requiring proof of identification. The person immediately spent the whole balance of the card. I attempted to use the card in my possession later and it was declined, I called Bank of America and they said my account was frozen due to being flagged for fraudulent activity. I filed a claim for reimbursement but was denied because too much time had passed. I was never notified from the bank that there was an address change, new card mailed or suspected fraud so I did not know to file a claim earlier. I have requested additional claims and have been denied each time.
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date opened XX/XX/2017 Balance {$150.00} XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX Date opened XX/XX/2017 Balance {$120.00}
Consumer complaint received 2023-02-11
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. (MA)

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 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 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (GA)

XXXX has gave false scores to everyone in which has made me and millions of others have to pay higher interest rates and payments which means XXXX didnt exercise there grave responsibility to my consumer report. XXXX was completely unfair, Partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates As i never instructed XXXX XXXX writing to furnish this report and never consented to this report of DISCOVER BANK ACCOUNT NUMBER : XXXX as well as DISCOVER BANK INQUIRY ON XX/XX/XXXX in the first place as well as pursuant to 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. So XXXX just assumed that XXXX they could report this and XXXX never had my permission and stole my identity to report on my behalf.. As stated on the back of all billing statements from XX/XX/XXXX to XX/XX/XXXX, Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of {$1.00} or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page XXXX of your billing statement. Which correlates directly with 12 C.F.R. 1026.11 ( a ) as well as proof that {$4300.00} was the total amount of money I was owed since such amounts were on my billing statements every month. So I was owed this amount as these amounts where owed to me and was credited to my account in which DISCOVER has been falsely reporting with XXXX.
Consumer complaint received 2020-04-23
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: SYNCHRONY FINANCIAL (IL)

My credit card has been compromised multiple times with the company Synchrony Home. 

FIRST TIME : I didn't even receive a credit card, it was some stolen before it even reached me. I noticed that there was a crazy amount of charges within the first couple of weeks after opening the card. I called to report the fraud and get the account closed with a new card sent. The individual that had my credit card was able to access my account via phone and change the personal info. I requested that synchrony correct the personal information and expedite a new card to me .... a week goes by NO NEW CREDIT CARD ... low and behold they never corrected the address and sent a new card to the individual making these fraudulent transactions. Where the individual made more fraudulent transactions. - It took 3-4 weeks to get a new card sent to me and almost 3 months for the fraudulent transactions to be removed from my credit card. 

SECOND TIME : ( MOST RECENT ) An outside individual somehow was able to obtain my Credit Card # and able to access my account via phone with a customer service agent and make changes to my personal information ( address/phone # ). This individual was also able to request that a new credit card be sent to the new address. If it wasn't for the email I received regarding the changes, I would have never known. I asked if I could add a security question or pin to my account for extra protection. The lady stated they do not " do that ''. 

My complaint with this company is that they do not have additional security in place to stop an individual from gaining access to an account. Anyone can gain access to an account by solely providing the account number ( aka credit card # ). 

Their way of fixing an issue is closing an account and sending a new credit card to you .... if they have the right address on file. If not, you will be repeating the same steps all over again.
Consumer complaint received 2022-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Avant Holding Company, Inc. (MA)

How you doing my name is XXXX XXXX I've been an Avant credit card holder for about five months or more. I received a limit of XXXX because I have above 650 credit score. My credit card was lost and at that time it had {$1600.00} available credit. I notified the credit card company they cut that one off and sent out another card. When I get the card I go to activate it and it's only a {$250.00} limit on it and they charge me {$50.00} for annual fee and never explain why they took all my credit away I have things to do and this was totally unfair cuz my credit score hasn't changed anything so I would like to sue them for {$50000.00} for messing with my time and messing with my flow of business
Consumer complaint received 2024-10-30
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. (CA)

Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-02-11
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)

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 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 2023-02-11
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. (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. Account name : XXXX XXXX # 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 2024-10-25
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: EQUIFAX, INC. (IA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-11-24
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: U.S. BANCORP (MO)

On XX/XX/year>, I filled out a pre-approval application for a US Bank credit card. I navigated to this through choosing the pre-approval button on a banner at the top of the screen, NOT the normal Apply button. The banner says " see if you're pre-approved ... without affecting your credit score '', as can be seen in an attached screenshot. This means no hard credit inquiry should occur, only a soft pull. 

However, after filling out the pre-approval form, I ended up receiving a hard credit inquiry on my XXXX credit report, and this supposed pre-approval application seemed to go through as an actual credit application. 

I then attempted disputing this inquiry with XXXX, but their website didn't allow for me to include the context and details of the dispute. The result suggested to reach out to US Bank directly. I have attached the dispute result which seems to be a generic response when they don't have enough information. 

So I reached out to US Bank customer support who suggested faxing US Bank 's XXXX XXXX XXXX Dispute department with a set of information about the inquiry and why it should be removed. 

I sent the fax over a month ago on XX/XX/year> to inquire about getting this credit inquiry removed, but never received any contact or response to my fax. I have attached the fax confirmation and what was faxed as well. 

Finally, I attempted reaching out to XXXX XXXX 's executive office by sending an email to XXXX XXXX, XXXX XXXX XXXX on XX/XX/year> but also did not receive any sort of response. I have attached a copy of this email too.