davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
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. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-29
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)

I am a XXXX XXXX XXXXXXXX XXXX, and as a result of this exploitation, multiple fraudulent collection accounts have been reported on my credit file under " XXXX XXXX XXXX '' with the original creditor being XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened without my knowledge or consent during the period I was being XXXX 

# # # Here 's a detailed breakdown of what happened : - **Duplicate Reporting : ** The same debt is being reported multiple times with varying balances ( {$1400.00}, {$640.00}, {$750.00}, {$210.00}, {$510.00}, {$990.00}, and {$400.00} ), all opened on the same date ( XX/XX/year> ) and last reported on XX/XX/year>. This is misleading and violates the Fair Credit Reporting Act ( FCRA ) Section 623, which mandates that creditors must report accurate information. Reporting the same debt multiple times is causing severe damage to my credit score and financial stability.

- **Misleading and Inaccurate Information : ** By allowing the same debt to appear multiple times, the credit bureaus are failing to provide accurate and complete records, as required under FCRA Section 607. This inaccurate reporting presents a distorted view of my financial history, which is particularly unjust given that these entries are tied to my victimization. 

- **Failure to Properly Verify Debt : ** Despite disputing these entries with all three credit bureaus, they continue to report this debt in multiple instances, violating FCRA Section 611, which requires that disputed debts be verified within 30 days or removed if proven inaccurate. Despite my evidence and dispute, no proper verification was conducted, and the entries remain.

- **Unfair Collection Practices : ** The repeated reporting of this debt by XXXX XXXX XXXX can be seen as harassment and is a violation of the Fair Debt Collection Practices Act ( FDCPA ). This act prohibits debt collectors from engaging in deceptive practices, such as reporting the same debt multiple times to inflate the total amount owed or to harm a consumers credit score unjustly.

These inaccurate and duplicated entries have caused significant financial and emotional distress as I work to rebuild my life after escaping XXXX XXXX. I am requesting immediate action to rectify this situation by removing all fraudulent and duplicate entries from my credit report across XXXX, XXXX, and Equifax. This resolution is essential for me to restore my credit profile and move forward from this traumatic experience.
Consumer complaint received 2024-09-29
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: NAVY FEDERAL CREDIT UNION (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
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. (CA)

I have filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX CARD on XX/XX/year> under the account # XXXX, a collection account COLLECTION SRVS OF A under the account # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Consumer complaint received 2024-09-28
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 (CA)

Company Information : - Company : Bank of America XXXX XXXX : Account Information : - Account Ending : XXXX - Claim Number : XXXX - Disputed Amount : {$2600.00} Complaint Description : I am filing this complaint against Bank of America regarding the denial of my fraud claim. Despite providing ample evidence that the transactions in question were unauthorized, Bank of America has repeatedly denied my claim, causing significant mental stress and eroding my trust in the institution. 

Timeline of Events : XXXX. XX/XX/year> : I received a Bank of America mobile ( and text ) alert regarding a suspicious transaction at XXXX XXXX XXXX XXXX, TX. As I reside in California and have no business with XXXX, I immediately confirmed that the transaction was unauthorized. Bank of America closed my credit card account, issued a new one, and replaced my card. 

XXXX. XX/XX/year> : Bank of America acknowledged my claim and temporarily credited my account. 

XXXX. XX/XX/year> : I received a letter from Bank of America stating that my claim was denied because the charges were made using one of my verified devices. This decision was based on their research, which included my account history and information from the merchant. 

XXXX. XX/XX/year> : After requesting a re-evaluation, I received another letter from Bank of America reaffirming the denial of my claim, citing the same reasons. 

XXXX. Police Report Filed : I have filed a police report regarding this fraud. The case number is XXXX. 

Supporting Documents : - A copy of the text alert I received from Bank of America on XX/XX/year>, notifying me of the suspicious activity. 
- The initial letter from Bank of America dated XX/XX/year>, acknowledging my claim and temporarily crediting my account. 
- The letter dated XX/XX/year>, stating the denial of my claim. 
- The letter dated XX/XX/year>, reaffirming the denial of my claim. 
- My account statement showing the disputed transactions and subsequent credits. 

Impact : The denial of this claim has caused significant mental stress and is eroding my trust in Bank of America. As a client of 8 years in good standing, I am deeply disappointed with how this matter has been handled. The transactions were not authorized by me and should not be my responsibility. 

Additional Concerns : Bank of America claims that the transaction was made using one of my verified devices. However, if this were the case, why did the bank initially mark the transaction as suspicious and alert me about it? This inconsistency further supports my position that the transactions were unauthorized. 

Thank you for your attention to this complaint. I look forward to a prompt and fair resolution.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal Credit Union has placed account # XXXX on my consumer report. I have sent several emails and letters requesting a 1099-C. I know that once the company has placed the account in a charge-off status, they have used this debt as a tax write off, which now makes it taxable income for me. According to Fair Credit Reporting Act, 15 USC 1681c ( a ) ( 4 ), accounts placed for collection or charged to profit, and loss should be excluded from a consumer report. Because the status of this account/tradeline is in a charge-off state, it also should not be reporting a balance, but currently is reporting a balance of {$7900.00}. Due to the balance still being reported and the account being in a charge-off status, the information that is being reported is inaccurate, and it is continuing to be reported as of XX/XX/year>. 
According to 15 USC 1681e ( b ), XXXX shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The information provided above shows that the information that is being reported is not accurate. 
Also, Navy Federal Credit Union has failed to comply with 15 USC 1681c-2. The responsibilities of a furnisher of information to a consumer reporting agency. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
Consumer reporting agencies are required to adopt reasonable procedures for meeting the needs of commerce for consumer credit personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the Fair Credit Reporting Act. 
Although I have requested a 1099-C several times Navy Federal Credit Union has failed to comply, and they never responded to any of the letters that were sent. XXXX has failed to comply with the FCRA. I have sent letters to XXXX about this violation several times, but they have failed to remove this tradeline/account from my consumer report.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

RE : Adverse Action Dear SYNCHRONY BANK, I, the consumer and natural person, was denied credit by SYNCHRONY BANK when I applied for a BUSINESS CREDIT CARD WITH SAMS CLUB Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by SYNCHRONY BANK due to the response I received. 
SYNCHRONY BANK is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of SYNCHRONY BANK If SYNCHRONY BANK fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make SYNCHRONY BANK criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 
Thank you, XXXX : XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2024-08-19
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-22
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. (AK)

Late Dispute Letter XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian Credit Agency XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my Experian, XXXX, and XXXX Credit Report and I noticed that late payments from XXXX XXXX XXXX is still posted on my report : XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give written instructions to furnish this account on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( XXXX ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this LATE PAYMENT from my consumer report, and put PAID AS AGREED or OK. This agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character. 
2. Negligent Enablement of Identity Fraud. 
3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . 

Best Regards, XXXX XXXX
Consumer complaint received 2024-09-22
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 am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The original agreement between us includes an arbitration clause that requires any dispute related to the validity of the debt or reporting to be resolved through arbitration. I demand that this matter be resolved pursuant to this clause and request that you initiate the arbitration process with [ Arbitration Provider : e.g., XXXX XXXX XXXX XXXX XXXX ) or XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX  ) ] within the timeframe specified in the agreement.
Consumer complaint received 2024-09-22
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. (MO)

XXXX continues to report asserted deficiencies on my consumer report after my CFPB complaint on XX/XX/year>, complaint # XXXX clearly REVOKING THEM ELECTRONICALLY from reporting these deficiencies. I have EVERY RIGHT TO EXERCISE AND REVOKE XXXX FROM REPORTING ANY AND ALL INFORMATION TO THE CONSUMER AGENCIES. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information is not shared which is supported by 15 USC 6801 which also states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customer 's NONPUBLIC PERSONAL INFORMATION. XXXX is a financial institution by definition under this title. 15 USC 1681 section 604 A section 2 does states that, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX is a financial institution and the Consumer reporting agencies XXXX, Experian and XXXX DO NOT have my consent to furnish this information and they MOST DEFITNITLY DO NOT have my written consent. ANY AND ALL consent to XXXX, Experian, XXXX and XXXX whether it be verbal, non-verbal, written, implied or otherwise, is NOW REVOKED! BRIDGECREST NEVER informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I AM OPTING OUT OF YOUR REPORTING SERVICES
Consumer complaint received 2024-09-22
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. (TN)

This account ( XXXX XXXX Account Number : XXXX was charged off on the following date : XX/XX/2023. Since then the date of last activity has been inconsistently updated. On Experian the date last active is XX/XX/2023 and on XXXX  its XX/XX/2023. If the information is coming from the original creditor the dates should be the same. We can not say that these are XXXX XXXX accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Consumer complaint received 2024-09-22
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. (OH)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I pulled my credit report and noticed a whole bunch of hard inquiries on my credit report that I did not authorize. Here are a list of those inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-29
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)

I am in disagreement witht the account listed below which still appears on my credit report, even after your investigation. I would liket this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 


First Progress # XXXX In accordance to The Fair Credit Reporting Act, Public law XXXX, XXXX VI section XXXX please provide the names and business addresses of each individual with whom you verified above so that I XXXX follow up. Please send me an updated copy of my report after your reinvestigation.