davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I filed a complaint regarding how an account was being reported. While my complaint was to remedy future reporting the company made it owns narrative of my complaint and provided a reason as to they would not change what they have reported up until now. I did not ask them to change what they have reported in the past ; but, they spontaneously changed the narrative for their own purposes and answered their own version of the complaint. 

My complaint once again is THAT they have and intend to continue to report a closed/charged-off account as an active live account. The balance owed is intermingled with actual live accounts and skews the reported debt to available credit ratio. This is a malicious act on the part of the account holder as they are fully aware after 6 years ( because of its age ) the true effect of this account is negligible on the XXXX. If the account is reported as a live account, the enormous difference in weight on the XXXX  score ( 30 % ) is a malicious/bad faith effort by the account holder to pressure account holder into paying off the account. It is a misrepresentation of the truth for malicious reasons. I am serving them notice of this egregious action and demanding they cease and desist from future misreporting of this account, or be exposed to considerable punitive damages.
Consumer complaint received 2024-10-24
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: EQUIFAX, INC. (NC)

I have reviewed my credit profile and noticed inquiries or collection that I have NOT given written instruction to 3rd party to report to my file. According to The FCRA this is in violation of 15 USC 1681b - PERMISSIBLE PURPOSE. Please understand that no consent is IDENTITY THEFT. I AM DEMANDING THESE ACCOUNT BE REMOVED IN 2 BUSINESS DAYS. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

There is a list of a high balance of {$440.00} I called capital one credit card company spoke with a manager the manager looked over my account information told me I have no high balance on this account off {$440.00} there is a list of a high balance of {$440.00} listed on all XXXX credit bureaus capital one and its management admitted that there is no high balance on this account I currently have copies of XXXX  months of records showing there is no high balances. I posted a dispute with credit bureau with no help. Second issue is capital one credit card company is not reporting proper reporting of trade lines on this account missing information of several trade lines not being reported
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

There is a collection account named " XXXX '' on my credit report. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide a purchase agreement to show my ownership of such account. I have never sign or enter into a purchase agreement with them. I request the account be removed from my credit.
Consumer complaint received 2024-10-08
Product: Credit 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 (DC)

I was on a work trip to XXXX XXXX from the XXXX to XXXX of XXXX. I use this card for bigger transactions so when I arrived at the hotel at XXXX on Monday following a XXXX hour flight delay I chose this card to pay for any incidentals at the hotel. I didnt use it again. 
The following Saturday when I got home I was starting to pull receipts for my expense report when I noticed XXXX {$700.00} expenses. One that went through and one pending. When I looked at the expense it showed that it was for a block chain company called XXXX but the description of goods was XXXX and XXXX and the category was XXXX. Obviously fake. 
I didnt want to file a police report as I felt that it would be an easy fix so its so obviously fake and someone used a skimmer on my card. 
I contacted Bank of America to explain but they denied my claim saying that someone had tapped my card and used my pin or signature. I contested this saying that when you google the goods you can see that its fake and also that I dont use a pin for this card so anyone could forge my signature. They again denied it saying its obvious that I used it or someone I gave permission to used it. So they are now requiring me to pay {$1400.00} on XXXX fake charges because their systems show that someone tapped and signed. No one actually looked to see if the company was real. There is not a possibility they have a copy of the receipt and are not doing the due diligence of researching my claim.
Consumer complaint received 2024-10-17
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. (MI)

I looked at my credit report, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate.

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX XXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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.

( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not

complete or accurate. ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Delete these inaccurate accounts from my credit report
.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/year>, I opened a fraud claim with Bank of America regarding an unauthorized debit card transaction totaling {$1200.00}. Bank of America investigated the claim and denied it stating that my signature was on a receipt or a contract and that the charge was either authorized by me or someone with my permission. This is entirely false. I sent bank of American 2 follow up letters and have given them time to respond in between and have made multiple phone calls, but they continue to deny my claim without providing adequate justification. The claim number is XXXX I am requesting further assistance with resolving this matter.
Consumer complaint received 2024-10-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (MA)

I am making my payments on time as they are scheduled monthly. However, over the last 6 months I keep getting told that my account is past due. I have been working with a manager named XXXX XXXX? ) to rectify this and she continuously tells me just pay this amount and the account will be current, the reason you are past due is because your payments are debiting after the due date so if you just pay ahead then it wont be that way. I have done this at least XXXX times now, however the issue persists. I have reached out for help almost a week ago now and have not heard back. I contacted my states ombudsman for student loans and they instructed me that this issue would be better resolved here.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

According to XXXXXXXX XXXX XXXX XXXX, Equifax, XXXX and XXXX is supposed to ensure maximum accuracy. This account violates these laws, 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. Delete this account immediately.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I contacted the consumer reporting agencies about an address that was showing under my personal information. The address was supposed to be removed. 

XXXX XXXX XXXX XXXX TN XXXX does not belong to me, and that address should not be on my consumer report. It's inaccurate.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX. XXXX XXXX continues to report hard inquiries at least XXXX x a month to credit bureaus 2. Revolving account payment amounts continue to be reported incorrectly to credit bureaus.

3. My credit bureaus continue to advertise fraudulent and inaccurate about my payments and finances to potential creditors and landlords.

4. Old information continues to be advertised on my credit report 5. My privacy has been violated and my information shared without my consent to 3rd party companies.
Consumer complaint received 2024-09-26
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. (MD)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-09-27
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. (MD)

I am writing this complaint regarding Experians violation of 15 U.S.C. 1681c-2 ( Section 605B of the Fair Credit Reporting Act, FCRA ), which pertains to the prompt blocking of fraudulent information on credit reports.

I had previously notified Experian of fraudulent accounts related to identity theft on my credit report, and despite my request under Section 605B, these accounts have not been removed within the legally mandated time frame of four business days. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, there have been unauthorized inquiries on my credit report from the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Details of the Law : 15 U.S.C. 1681c-2 ( Section 605B ) Under 15 U.S.C. 1681c-2, a consumer reporting agency is required to block the reporting of any information that the consumer identifies as resulting from identity theft within four business days.

Failure to Block Information in a Timely Manner Experians failure to remove these accounts and inquiries within the required timeframe constitutes a clear violation of Section 605B of the FCRA. This delay has caused me undue stress and negatively impacted my credit standing.

Requested Action I am requesting the immediate blocking and removal of the fraudulent accounts and inquiries listed above from my credit report. Additionally, I expect written confirmation of this action, as well as an explanation for why Experian failed to comply with the FCRA 's requirements within the legally prescribed time. 

If this matter is not resolved promptly, I may be forced to take further legal actions. 
Thank you for your immediate attention to this serious matter. I look forward to your prompt response and the necessary corrective action.
Consumer complaint received 2024-08-27
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. (PA)

I am writing to follow up on my previous dispute dated XX/XX/2024 regarding the blatant errors and discrepancies on my credit report, which you have failed to address appropriately. Despite the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ) to resolve disputes, I have yet to receive confirmation of any corrective action regarding the inaccuracies.
Consumer complaint received 2024-09-26
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. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Vi olations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective o
f my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE. 

THIS IS NOT A DISPUTE OF OWNERSHIP BUT AS A CONSUMER AWARE OF MY FEDERALLY PROTECTED RIGHTS, IF YOU CAN NOT PROVIDE THE REQUESTED DOCUMENTATION MY DEMAND IS THAT THE ACCOUNTS BE REMOVED IMMEDIATELY UPON RECEIPT. 


SEE ATTACHED XXXX
Consumer complaint received 2024-10-17
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: CAPITAL ONE FINANCIAL CORPORATION (DC)

I got the savor one card from capital one that says if you spend XXXX $ in the first 3 months you get XXXX $ back but I called and the person on the phone said I do not qualify because I did not click the button on their website for it.