davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

On XX/XX/XXXX Capital One closed my personal credit card ending in XXXX that Ive had for almost 14 years and business credit card ending in XXXX that I had for about four months. Both accounts were closed without reasonable explanation. Prior to this my account was under review for fraud investigation and I was required to verify my identity, I submitted a copy of my drivers license as requested. Not long after a decision was made to close my accounts and I believe it was due to discrimination ( Race, age, gender ). On XX/XX/XXXX I spoke with several customer service agents who could not identify the reason my account was closed so they transferred me to the fraud department. I spoke to a manager who was rude and refused to explain to me the alleged violation that cause them to close my account, he told me that Id receive a letter explaining the reason and their decision was final. I asked to file a consumer complaint with someone above him and he directed me to the companys website and ended the call. I called back XXXX to ask again the reason why my accounts were closed because the letter did not give an explanation. I spoke with XXXX in customer service ID XXXX, she could not identify any violations so she transferred me to the fraud department. I spoke with XXXX ID XXXX, could not identify a reason and told me what the previous manager in her department said stands, this agent spoke over me when I asked about filing a consumer complaint and blind transferred me to XXXX ID # XXXX. XXXX told me that my account was closed due to activities that she could not disclose to me, I asked her to submit a complaint on my behalf and she directed me to the website, I advised that I could not locate an option to file a complaint and asked her for the address. After several minutes she returned and provided a XXXX XXXX  XXXX XXXX address.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-25
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. (UT)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I XXXX  four years ago in XXXX XXXX and came to live in XXXX. I moved the address of my corporate checking and credit card to my XXXX location and continued to pay it. I had problems paying the corporate credit card, with no warning, they took the money out of my husband 's and my checking account as a Bank Card Debit. I called the corporate credit card phone center to complain they answered that it was normal for them to take the money out of my account because I was a warrantor on the corporate card, my husband is not. I proceeded to close my corporate checking account and continued to pay the business card when the pandemic hit, I asked for a forbearance plan, and it was granted until XX/XX/2020. At the beginning of XXXX, they sent an email to my husband 's account informing me to remember that the plan was to finish XX/XX/2020, and to make the payment on the card. 
I called the corporate card and asked the question, why did they not send me the email to my corporate account? They tell me they don't know how this happened, I feel they violated my privacy, and are getting away with it from the get-go.
Consumer complaint received 2020-08-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX  has denied deleted a fraudulent account. ( XXXX XXXX XXXX ) in have ask them even. sent them over a FTC identity theft report and they did not want to except this. at all, I just file a dispute with them to remove this account and inquiries, all these were done with out my knowledge, XXXX has gave me problems, muy identity was used by XXXX XXXX and other banks I have sued XXXX XXXX for fraud and identity theft, please have check systems remove this account and have disputed other accounts on XXXX XXXX like Bank of America and family savings as fraud please make sure these are remove to please XXXX ) this is the confirmation number for my dispute please help I'm tired of getting treated badly, also other inquiries, XXXX XXXX, XXXX XXXX, XXXX XXXX also the XXXX report numberer is ( XXXX )
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (LA)

On XX/XX/2020, we received a phone call that on Citi credit card was three months past due and that we owed {$700.00}. Thinking it was a mistake, I called the company. I learned that they had canceled my autopay that has been scheduled for years on XX/XX/XXXX. They posted my payment on XX/XX/XXXX and then canceled my autopay on the XXXX. I received no notification that this was being done, and this was the first time I was notified that my account was delinquent. When I asked why it was canceled, they could not explain why. I then spoke to another supervisor who told me that it was canceled because there were changes to my account. Again, I asked what changes because none were made by me. They could not identify the changes and just kept saying that I did not reconfirm my autopay. On the phone that day, I made an {$850.00} payment to make everything current, plus the next month. I have never received any correspondence from this company. This has caused rippling effects. My impeccable credit score has been slashed ( XXXX to XXXX ), my credit limits have been lowered, and I've been charged numerous late fees. I have found numerous cases of the same thing happening to different people. I went to login to my account on the website and there was no account listed. I had to create a new account. I've had this card and account for 15 years. At the beginning of XXXX, they slashed my {$16000.00} credit limit in half which caused my credit score to drop 49 points. ( Credit Used shows the percentage of your total credit used in comparison to your total available credit reported across all open and revolving accounts. )
Consumer complaint received 2020-08-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (MD)

I applied for an {$7500.00} loan with a company called XXXX. It was approved and I accepted it. Eventually this company filed bankruptcy in XXXX and I was unable to find information on the loan anywhere. It was then sold to a company called Younomics and was acquired in XXXX. By the time I found the loan again it was {$23000.00}. The APR was also 11 %. Then in XXXX the APR 11.25 %. Then the APR was moved to 11.75 % in the same year. Then the APR was moved to 12.5 % in XXXX. Now the APR is 11.75 %. 
The actions I have taken are that I have contacted and called them to find out information about why a {$7500.00} loan that was missing for several years is now {$34000.00}.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America has caused me Financial Deformation by reporting on XXXX. By reporting me on XXXX I am unable to open up a bank account. I have called Bank of America several of times at XXXX XXXX XXXX XXXX and got horrible customer service and no resolution. My social security number is XXXX.
Consumer complaint received 2020-08-26
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: ALLY FINANCIAL INC. (PA)

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving  notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Consumer complaint received 2020-08-26
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: FIRST HORIZON BANK (MS)

I received the below email regarding needing a XXXX for 5 weeks. I've received the payment to book the service in addition to funds for transportation while in the city. I took the {$4200.00} check to my bank representative XX/XX/XXXX XXXX on XXXX XXXX XXXX, TN XXXX and was asked verified the account with thier XXXX XXXX XXXX XXXX XXXX   XXXX prior to depositing. She didn't call me and so I called the bank on XX/XX/XXXX confirmed all was correct. I advise the client service was confirmed with {$640.00} deposit and advise on the remainder deposit for the chauffeur service. The next day I was asked to XXXX the chauffeur deposit {$3200.00}. I received another call and text that they will need to cancel, keep the nonrefundable deposit and XXXX the remainder balance. My account was debited for {$3200.00} through XXXX XX/XX/XXXX. On XX/XX/XXXX I received a cash back of {$4200.00} and {$16.00} service fee.
Consumer complaint received 2020-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XXXX, Equifax, & XXXX NEVER perform a real Investigation. Therefore, I have commenced the process of litigation in the federal court system... .. ... XXXX XXXX To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached - to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes- stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system Case XXXX XXXX XXXX XXXXXXXX in XXXX XXXXXXXX XXXX XXXX Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Consumer credit report. Please delete ALL of the Following : 1 ) XXXX XXXX XXXX {$530.00} acct # XXXX XXXX ) XXXX XXXXXXXX {$63.00} XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} acct XXXX XXXX ) XXXX XXXX XXXX {$300.00} XXXX.. I have attached evidence that my identity has been stolen through a company known as XXXX XXXX XXXX, showing that my social security number and date of birth have been compromised!
Consumer complaint received 2020-08-21
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: EQUIFAX, INC. (IL)

My mortgage loan officer says that when they run my equifax credit report it says that I do not exist and when I call equifax they say that they cant see the issue and hangs up. Ive called them twice a day for 21 days with no resolution. Ive asked to speak with supervisors and has been hung up on. If not resolved me and my family will be XXXX.
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

This issue started when I lived in XXXX XXXX, Tn. I don't remember the exact dates but I lived in my house from XXXX. I ordered XXXX XXXX from XXXX XXXX XXXX. The service man came out to connect my service but informed me that because of where my house was sitting I would not be able to get a signal. My house sat at the bottom of hills that surrounded my house. I called to inform customer service of this and they said since i called within the 3 day grace period that I would not incur any charges. Now I have a strike against me on my credit report because of them and XXXX XXXX XXXX has sold my account to a collections agency who is trying to collect {$110.00} from me. I had called XXXX XXXX XXXX to discuss the charges and what I had been told and they said that I had been given misinformation and that I had to pay the installation charges even though I was unable to get service. I was totally lied to by XXXX XXXX XXXX. First of all the customer service rep should have been able to let me know if I could get service at my address or not. This is such bad business practice. I want this report removed and closed from my credit report.
Consumer complaint received 2024-10-11
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: EQUIFAX, INC. (MS)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-08-26
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2024-10-11
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: EQUIFAX, INC. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account XXXX Creditor Name : XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXXXXXX XXXX XXXX XXXX XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by [ Creditor Name ] about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXXXXXX XXXX XXXX
Consumer complaint received 2024-08-19
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2020-08-25
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: JPMORGAN CHASE & CO. (NY)

I had noticed I had a fraudulent charge a total of {$3900.00}. The date the transaction happened was XX/XX/2020. I had reported it and they put a fraudulent claim in. But after a month they declined it saying it was me. I believe they did not do any investigation. I had called back and they said I need to get a police report to file a new one. So I went to the police station and try to get a police report. The police station said I need a affidavit from the bank to file a report so I went to the bank to get one. When I went to chase bank on XXXX XXXX and XXXX XXXX and ask they said that they dont have an affidavit for credit card and it look like they werent trying to help me and tried to turn me away saying they cant do anything and saying that the manager is in a meeting. I tried to explain to them that I needed it for a police report that they asked for but they seem like they didnt care. Make me think is the bank even safe if they dont even want to do anything to help.