davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-21
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. (WA)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2018-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dear sir or Madam, We the XXXX XXXX  XXXX XXXX. DBA XXXX XXXX XXXX are small furniture business, That on XX/XX/XXXX a costumer XXXX XXXX came to our store and purchased furniture in the amount of {$1500.00} and paid with XXXX credit card # XXXX Authorization code # XXXX XXXX invoice # XXXX dated XX/XX/XXXX at XXXX XXXX  and signed by Costumer. 

That About 81 DAYS later ON XX/XX/XXXX the customer files dispute saying " card was counterfeit '' That 3 days later on XX/XX/XXXX Bank of America Deducted {$1500.00} from our business account. 

That 5 DAYS After Deducting the above Amount we received Notice/ Dispute Summary from Bank of America DATED XX/XX/XXXX ( we received notice after they deducted. ) That we were not given chance to review, nor to be ready for the above unexpected deduction, That we was not given any police report nor other evidence showing card was counterfeit. 

That we rune the card through clover Machine provided by Bank of America and we have approval through the above clover Machine That we have been trying to solve the issue, but bank of America is not responding Please Advice XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo is not reporting my credit card to the credit bureaus. I have had the card for many months and still they don't show up on XXXX XXXX or XXXX. Card ending in XXXX exp XXXX
Consumer complaint received 2024-09-03
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)

For the past XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has reported Account # XXXX in error to multiple credit reporting agencies, despite my repeated complaints to the Attorney General of Washington, the XXXX XXXX XXXX, the Federal Trade Commission, XXXX, Equifax, XXXX, and the Consumer Financial Protection Bureau. 

XXXX XXXX XXXX claims to collect a debt on behalf of XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, TX. However, XXXX XXXX XXXX has confirmed that they have no record of me, XXXX XXXX, in their database concerning this alleged debt. Moreover, XXXX XXXX Apartments is not currently a client of XXXX XXXX XXXX for debt collection purposes. 

Due to this fraudulent reporting, I have suffered financial damages exceeding {$8000.00} over the past XXXX  years. XXXX XXXX XXXX has not received any payment from me for this debt and will not receive any payment. I have meticulously documented every complaint, dispute, and incurred fee since this debt was first reported in XX/XX/year>.
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I check my credit report frequently, that's why I noticed on XX/XX/XXXX that Bank of America had closed my credit card. They have provided NO NOTICE to me that it would be or has been closed. There is a XXXX dollar balance and we have been practical to limit use of the card except when needed. The account had been open for over 20 years and never had a late payment. 

I called Bank of America to inquire why it was closed and they treated me with great disrespect - indicating that the account was closed and sent to collections. I was shocked as I had paid the card off 2 years ago and was concerned there was a mistake. I spoke to the collections agent who confirmed there was no balance due and the account should not have been sent to collections. He referred me to speak to a " credit analysis '' who I called the next day. 

The credit analyst offered to open a new credit card but refused to reopen my existing account. They indicated that the account had been closed due to inactivity, despite the fact that we have been a long-term, loyal, and credit-worthy customer. 

As a result of their actions, my longest open credit card ( and with fairly high available credit ) has been removed from my credit report. Furthermore, the " remark '' that it was sent to collections appeared on my credit report. Bank of America was entirely unhelpful and dismissive in resolving these concerns. They have yet to mail or email me ANY notice of the account closure - saying only that they have no obligation to perform this simple act of customer service and that a notice " should be '' mailed within 30 days of the closure.
Consumer complaint received 2018-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Capital One B account was opened in XX/XX/XXXX with out my knowledge. Account XXXX. Balance is {$3300.00}. During a routine security clearance investigation by the XXXX in XX/XX/XXXX I was informed by the special agent handling my clearance that I had a closed account and Capital One bill. I was stationed overseas at XXXX XXXX XXXX, XXXX when this occurred. I did not give consent for this account to be opened. Also, I have no bills or have not been provided any documentation from Capital one B. I contacted Capital One B to resolve this debt. Additionally, a recorded statement was also made with Capital one B that I never used their services. Capital One B requested documentation showing that I was out of the country and were provided via FAX per there request.
Consumer complaint received 2018-06-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bayside Capital Services, LLC (FL)

This creditor called my husbands phone and said a legal notice will be sent to my place of business the next business day if I did not contact them immediately. So I called the number that was giving to my husband and a very rude man said that I owed an amount of {$3800.00}. Although I did take a payday loan out for XXXX dollars some time ago, I have never take loan amount for over that. This gentleman told me that my original loan was for XXXX dollars. I ask for verification of the loan and was told that I was only trying to stall and that I needed to take care of it right then. I expressed the fact that I have a right to ask for verification and again was told I do not. He then hung up on me. I called back and asked to speak to a supervisor. I told the supervisor that I was not disputing the loan just the amount. I was told if I set up arrangements that day that He would get the information out to me in 10 days from the original creditor. Well this never happen. I continued to make payments of XXXX every paycheck. I asked several times for the information I request and still no response. I stop payment on the last weeks payment and again I got a call from the company saying they were going to send out legal notice to my place of employment. I called the number back and was told that they have sent the notice to me about what I owe. but the only notice I get is from them. not from the original creditor, so they still can not prove to me that I owe the amount they say. Then doing some research today, I find out that collection agency in the state of XXXX XXXX can not collect on Payday loans because it is illegal. I want this to stop. I want the original amount owed and I also want to know if they are legally allowed to collect money from me for a payday loan that I told out over the internet. I live in the state of XXXX.
Consumer complaint received 2024-08-18
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)

To Whom It May Concern., This letter is a formal complaint that you are reporting inaccurate and incomplete credit Information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 shalli ) 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. 

Account : XXXX XXXX XXXXXXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately.
Consumer complaint received 2024-08-18
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)

Dear CFPB, I am writing to formally complain about Experians failure to remove fraudulent information from my credit profile, despite multiple notifications and the submission of supporting documentation. My complaint pertains specifically to XXXX XXXX account # XXXX, which has been erroneously reported on my credit file as a result of identity theft.

Background : 1. Fraudulent Account Reporting : On XX/XX/XXXX, I initially contacted Experian regarding the fraudulent XXXXXXXX XXXX  account # XXXX that appeared on my credit report. I provided Experian with a Federal Trade Commission ( FTC ) Identity Theft Report ( FTC Report # XXXX ) as supporting documentation. This report unequivocally identified the account as a result of identity theft. 
2. Subsequent Follow-Up : Despite my initial complaint and submission of the FTC report , the fraudulent information remained on my credit profile. Consequently, I reached out again to Experian on XX/XX/XXXX, reiterating my request for the removal of the fraudulent entry and resubmitting the FTC report. 
3. Experians Response : To date, Experian has refused to remove the fraudulent information from my credit report. Their continued failure to address this issue has had a significant negative impact on my creditworthiness and financial stability.

Relevant Laws and Regulations : 1. Pennsylvania State Law : o Pennsylvanias Identity Theft Protection Act ( Act 102 of 2014 ) : This law mandates that consumers have the right to dispute fraudulent information on their credit reports and requires credit reporting agencies to promptly investigate and rectify any inaccuracies related to identity theft. 
2. Federal Law : o Fair Credit Reporting Act ( FCRA ) : Under the FCRA, specifically 15 U.S.C. 1681i, consumers have the right to dispute inaccurate information on their credit reports. Credit reporting agencies, including Experian, are legally obligated to investigate these disputes and correct any inaccuracies in a timely manner. 
o Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : This federal law provides protections for victims of identity theft, ensuring that fraudulent information is not allowed to remain on a credit report.

Request for Action : I respectfully request that the CFPB intervene to compel Experian to : 1. Remove the fraudulent XXXXXXXX XXXX  account # XXXX from my credit report immediately. 
2. Confirm in writing that the removal has been processed and that my credit profile has been updated accordingly.

The failure of Experian to comply with these legal obligations is causing me undue stress and financial harm. I trust that the CFPB will take the necessary steps to ensure that this matter is resolved in accordance with the relevant state and federal laws. 
Thank you for your attention to this urgent matter. I look forward to your prompt assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, PA XXXX
Consumer complaint received 2024-08-18
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)

This account was charged off on the following date ( MONTH, YEAR OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am deranding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX ) Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX & XXXX ( XXXX ) Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( Experian )
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-05-08
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: DISCOVER BANK (PA)

I have hard inquiries on my credit card file for things that I did not apply for and it is affecting my credit. 

XX/XX/XXXX - Discover Bank ( Hard Inquiry ) XX/XX/XXXX - XXXX ( Hard Inquiry ) XX/XX/XXXX - XXXX XXXX ( Hard Inquiry ) XX/XX/XXXX XXXX ( XXXX  XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX XXXX Hard Inquiry ) XX/XX/XXXX - XXXX Payments ( Hard Inquiry ) XX/XX/XXXX - XXXX XXXX XXXX ( Collection ) These companies have hard inquires all over my record and it is negatively effecting my credit score. This is ridiculous and these companies should be tarnished.
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

On XX/XX/2018 I logged into my Citi account to make my monthly payment on the two credit cards I have with them. One card is due on the XXXX, one is due on the XXXX. I made payments to both cards that day. In the past with Citi, I had an issue with my payment not going through on one other occasion roughly a year ago and was assessed a late fee of {$25.00}. At the time, I was relatively certain ( but not 100 % ) that I had made the payment but I paid the late fee since I couldn't say with absolute certainty that I had. Since that time, I have been extremely vigilant about making sure my payments say they are processed when I make them. I can say with 100 % certainty that both payments made onXX/XX/2018 were submitted properly. 

I received a call from a Citi representative on my cell phone at work today. I was informed of the past due amount and when I told him that I had made the payment, he told me that the last payment was made inXX/XX/XXXX. I told him I would look into it and get back with them this evening. He kept going on and on, so I disconnected the call. 

I arrived home and logged onto my account and then engaged an agent ( XXXX ) via the chat feature. I gave him the information he requested, he said he would initiate an investigation, and I asked him to wave the late fee and I would make another payment right now. He told me that he was unable to do so and here we are.
Consumer complaint received 2024-08-18
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)

Dear CFPB, I am writing to lodge a formal complaint against Experian regarding their continued refusal to remove fraudulent information from my credit report. The fraudulent entry pertains to XXXX XXXX  account # XXXX. Despite multiple notifications and the provision of supporting documentation, Experian has failed to address this issue adequately.

Details of the Complaint : 1. Initial Dispute and Supporting Documentation : o Date : XX/XX/XXXX o Action Taken : I submitted a dispute to Experian regarding the fraudulent XXXX XXXX  account # XXXX on my credit report. I included an FTC Identity Theft Report ( FTC Report # XXXX ) to substantiate my claim of identity theft. 
2. Follow-Up Action : o Date : XX/XX/XXXX o Action Taken : After receiving no resolution, I reached out to Experian again, reiterating my dispute and re-submitting the FTC Identity Theft Report. Despite this follow-up, Experian has not acted on my request. 
3. Current Status : o Elapsed Time : More than 82 days have passed since I initiated my dispute on XX/XX/XXXX. The fraudulent information remains on my credit profile, impacting my creditworthiness and causing undue stress. 
Relevant Laws and Regulations : 1. Pennsylvania State Law : o Pennsylvania Identity Theft Protection Act ( Act 102 of 2014 ) : This law provides consumers the right to dispute and rectify fraudulent information on their credit reports. Credit reporting agencies are required to investigate these disputes and correct inaccuracies in a timely manner.

2. Federal Law : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i, consumers have the right to dispute inaccuracies on their credit reports. Credit reporting agencies, including Experian, are legally required to conduct a reasonable investigation and correct any errors promptly.

o Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : This law ensures protections for victims of identity theft, including the removal of fraudulent information from credit reports.

Request for CFPB Intervention : Given that more than 82 days have elapsed since my initial dispute and the fraudulent information remains unresolved, I respectfully request the CFPB 's intervention to compel Experian to : XXXX. Immediately remove the fraudulent XXXXXXXX XXXX account # XXXX from my credit report. 
2. Confirm in writing that the fraudulent entry has been removed and that my credit profile has been updated accordingly. 
XXXX inaction has led to significant distress and financial harm. I trust that the CFPB will take the necessary steps to ensure compliance with both Pennsylvania state law and federal regulations, and to facilitate a resolution to this matter. 
Thank you for your attention and assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, PA, XXXX
Consumer complaint received 2024-08-17
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 (NY)

On XX/XX/XXXX I noticed two unauthorized transactions for the amount of {$16.00} each from XXXX that I did not make and asked Bank of America to remove them from my credit card account due to fraud. I received the new card in the mail but I noticed that the unauthorized transactions were not removed by Bank of America.