davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I booked a hotel and cancelled immediately thereafter and the charge was not credited. I notified Bank of America and after the dispute process they declined the refund. After several attempts to obtain the refund, and complying with their request to obtain notification of the cancellation from the hotel on letterhead, they still declined the refund. Subsequently, I cancelled the card as the customer service was so bad. I contacted the merchant XXXX XXXX XXXX XXXX XXXX and they were willing to refund me the {$2600.00}. Two days ago I was notified that they attempted to refund my Bank of America credit card and the bank would not accept the funds as the account wa closed last month. Further as Bank of America is the parent company of Merrill Lynch, I contacted my Merrill Lynch XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and he said that there was nothing he could do. I have contacted XXXX XXXX XXXX and they said they can only credit the same account on which the charge occurred.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (MN)

Under the Fair Credit Reporting Act 15 USC 1681 section 602, consumer reporting agencies like XXXX and XXXX are legally required to exercise their responsibilities fairly and with respect for my privacy. I am the consumer, and I have the right to ensure that my personal information is not shared without my explicit, written consent. According to 15 USC 6801, financial institutions are obligated to protect the privacy and security of their customers ' nonpublic information. 15 USC 1681 section 604 ( a ) clearly states that no consumer reporting agency may furnish any report without written instructions from the consumer. I revoke any and all implied, verbal, or written consent. Furthermore, 15 USC 6802 ( b ) states that I must be informed of my right to opt-out, which I was not. You have failed to follow these legal requirements, and you are also in violation of 15 USC 1681C, which prohibits reporting adverse items older than seven years. By continuing to report this account without my authorization, you are acting against the law. I expect immediate removal of this information from my report.
Consumer complaint received 2024-10-09
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: EQUIFAX, INC. (MN)

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

XX/XX/XXXX - My card is fraudulently used on a {$3.00} charge to XXXX XXXX Channels. I didn't notice because I had never once used this card and never set up autopay. 

XX/XX/XXXX - I prequalify to buy a home ( Attachment XXXX ). 

XX/XX/XXXX - I receive an email from my XXXX credit card monitoring service ( Attachment XXXX ) notifying me that a 120-day overdue balance has been added to my credit report. I check my report and see the {$3.00} overdue balance and immediately log into Discover and pay the balance plus interest ( a grand total of {$6.00} ) the same day ( Attachment XXXX. 

XX/XX/XXXX - I get a home under contract ( Attachment 3 ), but two days later on XX/XX/XXXX my VA lender informs me my credit score has nose-dived to XXXX due to the late payment hitting my credit report ( Attachment XXXX ). My XXXX score was in the XXXX range on XX/XX/XXXX ( Attachment XXXX ). 

XX/XX/XXXX - I call XXXX and report the {$3.00} transaction as fraudulent ( CASE # XXXX ). They pass me back and forth to a few departments and tell me I'll receive a letter with the results ( Attachment XXXX ). The same day I received a letter from XXXX saying the case had been resolved in my favor, and they credited the {$3.00} back to my account ( Attachment XXXX ). 

XX/XX/XXXX - I create a XXXX account and dispute my late payment history since the Fair Credit Report Act forbids reporting derogatory information resulting from fraud. I received the results on XX/XX/XXXX, but the late payment history was still there, so I disputed again on XX/XX/XXXX and received the same non-result on XX/XX/XXXX ( Attachment XXXX ). Same thing with XXXX and XXXX but only one dispute each. 

XX/XX/XXXX - My VA mortgage application is declined ( Attachment 9 ). 

XX/XX/XXXX - After multiple extensions, the seller terminated my contract, and I lost {$5200.00} in earnest money, inspection, appraisal and other fees ( Attachment XXXX ).
Consumer complaint received 2024-10-09
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. (CA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-20
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: TD BANK US HOLDING COMPANY (MA)

We have received your complaint to the Consumer Financial Protection Bureau regarding the reporting of the above referenced credit card on your credit report. We reviewed your concerns and understand that you are claiming that this account was opened as a result of identity theft. Our records show that this account was opened in person on XX/XX/XXXX, at our TD Bank location at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Your last successful payment was a recurring auto pay receieved on XX/XX/XXXX in the amount of {$180.00}. Our investigators have also reviewed your previous claim and indicated the decision remains the same. The consistent payments made to this account from XXXX have been verified and the tradeline has been deemed legitimate. I have the right to request copies of the documentation that TD Bank used to verify the account. This includes the application, signatures, and any in-person identification provided. as the stated I went in person which that is not true XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not even my district and in the auto pay you are nuts I pay all my debts through cash not auto pay your claim is weak and not legitimate also I have filea complaint with the occ
Consumer complaint received 2024-09-20
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)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-20
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. (AL)

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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-08-05
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. (IL)

ATTENTION: (XXXX) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,Illinois XXXX XXXX
 EMAIL: XXXX
 I WOULD LIKE ALL OF MY UNAUTHORIZED INQUIRIES, MY DEROGATORY REMARKS, LATE PAYMENTS, PUBLIC RECORDS, AND CLOSED ACCOUNTS, REMOVED. MANY OF THESE ACCOUNTS FALL UNDER THE STATUTE OF LIMITATIONS OR ARE MISREPORTING ON MY CREDIT REPORT. PLEASE APPLY THESE LAWS TO MY ACCOUNTS: THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 (XXXX) FAIR CREDIT REPORTING ACT (FCRA) 15 U.S.C.  1681 (FCRA) ACCOUNT NAME: XXXX XXXX DATE FILED: XXXX XXXX XXXX TYPE OF ACCOUNT: Automobile ADDRESS: XXXX XXXX XXXX XXXX , TX XXXX  NUMBER: XXXX XXXX REASON: Collection/ChargeOff ACCOUNT NAME: XXXX XXXX XXXX  DATE FILED: XXXX XXXX XXXX TYPE OF ACCOUNT: Automobile ADDRESS: XXXX XXXX XXXX XXXX XXXX  , GA XXXX  NUMBER: XXXX XXXX REASON: Late payments ACCOUNT NAME: XXXX XXXX DATE FILED: XXXX XXXX XXXX  TYPE OF ACCOUNT: Credit Line Secured ADDRESS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , CA XXXX  NUMBER: XXXX XXXX REASON: Late payment  ACCOUNT NAME: XXXX XXXX XXXX  DATE FILED: XXXX XXXX XXXX TYPE OF ACCOUNT: XXXX XXXX ADDRESS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , TX XXXX  NUMBER: XXXX XXXX REASON: Collection/ChargeOff  ACCOUNT NAME: XXXX XXXX XXXX  DATE FILED: N/XXXX   TYPE OF ACCOUNT: OTHER COLLECTION AGENCIES  ADDRESS: XXXX XXXX XXXX XXXX XXXX MN XXXX-XXXX   REASON: CLOSED/CHARGEOFF  ACCOUNT NAME: XXXX XXXX XXXX  DATE FILED: XXXX   TYPE OF ACCOUNT: OTHER COLLECTION AGENCIES ADDRESS: XXXX    REASON: DON'T RECOGNIZE  PLEASE REMOVE ANY AND ALL UNAUTHORIZED INQUIRIES FROM MY REPORTS AS I HAVE NO KNOWLEDGE OF EVER FILING ANY OF THESE INQUIRIES OR GIVING ANYONE, COMPANY, OR CORPORATION PERMISSION TO REPORT ANYTHING TO MY REPORT OR WAS PRIVY TO ANY OF THESE FILINGS NAME OF INQUIRY & DATE: XXXX XXXX XXXX XXXX XXXX  IL XXXX  PLEASE REMOVE THE FOLLOWING ADDRESSES FROM MY ACCOUNT. I HAVE NEVER LIVED AT THE ADDRESSES LISTED BELOW NOR HAVE I GIVEN ANYONE AUTHORIZATION OF THESE ADDRESSES. INACCURATE ADDRESS AS STATED ON CREDIT REPORT: XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX  INACCURATE ADDRESS AS STATED ON CREDIT REPORT: XXXX XXXX XXXX XXXX XXXX IL XXXX    INACCURATE ADDRESS AS STATED ON CREDIT REPORT: XXXX XXXX XXXX ILLINOIS XXXX  PLEASE REMOVE THE FOLLOWING EMPLOYERS FROM MY ACCOUNT. THIS INFORMATION DOES NOT APPLY TO ME. INACCURATE XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2024-09-20
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: Experian Information Solutions Inc. (TX)

XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting act, the list of accounts below has violated myfederally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-20
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. (IA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2023-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (SC)

In XX/XX/XXXX I noticed potential fraudulent activity on my PayPal Account # XXXX. I believe the initial red flag was seeing a payment dispute that came in. I had not used the account in a while so it was odd to see a dispute. 

I notified PayPal immediately by chat and by calling them. I followed the steps given. Change my password and update security information. However, PayPal had already transferred money from my account. 

I then noticed an unauthorized withdrawal on XX/XX/XXXX to an unknown bank account. Information below. 

Funding Type : Bank Account Funding Source : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX Funding Type : PayPal balance Funding Source : - {$330.00} USD - PayPal Account I reported the transaction to the community federal savings bank and requested they return the funds. I have not received those funds as of today XX/XX/XXXX. 

After this initial report to PayPal I continued to receive disputes and requests for refunds. PayPal began to charge me {$15.00} per dispute. I spoke with a representative on the phone that saw the communication history from me to PayPal. The representative then waived the dispute fees. However, the disputes and fees continued to come in. I reported again to PayPal and requested several times that my account be frozen or deleted to avoid any future issues. I was told the account could not be closed as there was an existing negative balance due to the ongoing {$15.00} per dispute being filed. Again, the disputes were due to a hacked account that I had notified PayPal of maybe a dozen times if not more. 

In XX/XX/XXXX I received a notice of collection from XXXX XXXX XXXX XXXX is a debt collector Reference # XXXX RE : PayPal Account XXXX attempting to collect the amount of {$400.00}. 

While compiling information for this report, I discovered an email on XX/XX/XXXX in my email account that was associated with PayPal at the time. The email says a trusted device was added to my PayPal account. This was not me or any authorized activity. Following after are a few emails requesting to verify small deposits made to XXXX XXXX XXXX XXXX ending in XXXX. I assume this was the unauthorized user gaining approval to link the bank account. What's odd, is these emails came in after the {$330.00} was already sent to XXXX XXXX XXXX XXXX ending in XXXX on XX/XX/XXXX. The email for amount verification came in on XX/XX/XXXX and then a reminder on XX/XX/XXXX. 

I'm hoping to catch the collections before it hits my credit report and regain lost funds.