davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-01
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-03
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. (MA)

In accordance whit the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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 2 : It also states a consumer reporting agency can not furnish an account whit out my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Seccin 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. 

XXXX U.S.C XXXX XXXX ( 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 XX/XX/2022 XXXX
Consumer complaint received 2024-08-22
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. (TX)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX -Balance XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX -Balance {$380.00} -Date Opened XX/XX/XXXX Account Name : XXXX # XXXX -Balance {$910.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Balance {$2400.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX Account XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX -Balance $ XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX Balance XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$1700.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$870.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$1000.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$4200.00} -Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX -Balance {$360.00} XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$350.00} -Date XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$140.00} XXXX XXXX Account Name : XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Balance {$1400.00} -Date Opened XX/XX/XXXX Unauthorized Inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX BALANCED {$2300.00} XXXXXXXX XXXX XXXX XXXX BALANCED {$1000.00} XXXXXXXX XXXX XXXX BALANCED {$0.00} XXXXXXXX XXXX XXXX BALANCED {$21000.00}
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (MN)

The business account claim to be free for XXXX after submitting XXXX as proof. I have tried multiple times with multiple bankers to fix this problem but no solution was presented. I was promised debit card capabilities as well but nothing promised was true. Now I'm unable to run my business efficiently and in financial distress in part for this matter. 

XXXX : XXXX {$15.00} XXXX : XXXX {$15.00} XXXX : XXXX {$15.00} XXXX : XXXX {$15.00} XXXX : XXXX {$15.00} XXXX : XXXX {$15.00}
Consumer complaint received 2024-08-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America N.A. Is not resolving our problem of a fraud made on our Account and the fraudulent activity performed on XX/XX/year>. 

The Frauds consisted in three ( 3 ) transfers of funds made on the same date and for the amount of {$18.00} ; for the amount of {$20.00}, and for the amount of {$22.00} for a Total of {$60.00}. 

We, The Accountholders, ratify that we did not consent nor in any manner facilitated any such transfers. Furthermore, as the Bank should have identified, the Frauds were evidently out of the ordinary parameters of operation of the Account, considering, among others, the type of instruction ( wire instruction ), the amounts of the instruction ( {$18000.00}, {$20000.00} and {$22000.00} ), the frequency of the instructions ( 3 in one day ) and the designated beneficiaries ( no prior beneficiaries ). 

Promptly after We learned of the Frauds, we gave notice to the Bank and made the claim for the reimbursement of the amounts unduly debited from our Account. Instead of reimbursing the Wrongfully Debited Amounts, the Bank closed the Account and sent us the remaining balance in a check. Such closing was by itself a damaging event to us, an innocent victims of the Frauds, because of the inconvenience that it implies. Up to this date, the Bank has not pay us the Wrongfully Debited Amounts, adding to the damages already suffered.

We made our claims to the Bank over the phone and ratified them in several occasions. At the same time, we made unsuccessful follow up calls and sent letters to the Bank confirming our complain. Also, per the Banks suggestion, made their claims known to the Consumer Financial Protector Bureau ( CFPB ), XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Finally, we made an in person claim at a Bank agency as soon as we could. We resided outside of the country at the time of the Frauds and the Covid 19 pandemic and subsequent government travelling restrictions prevented us from doing it earlier.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/year>2024 My XXXX Capital One XXXX XXXX  were restricted and closed without no notice or anything. I barely received my Capital one Savor XXXX XXXX/XXXX/2024 and went on a normal day using it it to purchase groceries, subscriptions etc. Then next morning All XXXX of my Credit cards were restricted and closed I immediately called Capital One and the first XXXX Agents were nowhere near help at all telling me to just wait for the document to come in and The XXXX Agent XXXX was at least helpful on doing more research but he had told me that my accounts were flagged I believe by the system and it automatically restricted and closed it off. What a ridiculous way to automate something that can not be reverted at all if wrong.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (CT)

I have tried to dispute with them XXXX XXXX XXXX  asking me for my dl XXXX ssc which of course did not give them out asked for a contract or any binding information to the account never was written back so i ASKED THE CREDIT AGENCIES AND there reply was the crditor verified as mine or accourate so I called back again and when finally got to supervisor XXXX stated the account is ider default and I will have to make a payment on it I told her I was a victim of identity theft she stated to send the FTC did and nothing they still say its mine
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/year>, I accessed my credit account with Capital One and noted a minimum payment of {$210.00} was due on XX/XX/XXXX. I also noted a " XXXX XXXX '' balance on the account of {$16.00}. 

Thus, I applied the " XXXX XXXX  '' balance to the minimum payment sum due on XX/XX/year>, and paid {$200.00} from my bank account, effective on XX/XX/year>, the date my minimum balance on the account was due. ( I had regularly paid the minimum balance on time. ) On the XXXX, I received a notice that I had failed to pay the minimum due and would be assessed a {$40.00} late fee. I called the toll-free customer service number to inquire about this circumstance ( which was an episode in itself! ) and, when I finally reached someone, was told that " XXXX XXXX '' can not be used to partially pay the minimum payment. I was directed to the " XXXX XXXX  '' redemption section of the Capital One website and -- at this time -- noted the following : " Account credits lower the account balance but do not count toward your minimum monthly payment. Your minimum monthly payment will still be required. '' This is a nonsensical rule as revealed by the fact that I could have opted to receive the " XXXX XXXX '' in a check, sent to the account address, and then negotiated that check and used those funds to pay the minimum balance down. During my call to customer service, I asked for an explanation of the logic Capital One has for the rule and, perhaps, not surprisingly, the representative simply repeated the statement that appears on the website. And the issue has now escalated to the point that a {$9.00} " underpayment '' has resulted in a {$40.00} " late fee '' and a freezing of my account until I make the next minimum payment which is not due until XX/XX/XXXX! ( And, perhaps, a report that the account is " in collection '' for an alleged {$9.00} underpayment! )
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am deeply concerned about the existence of a derogatory rating on my account and the potential impact it may have on my credit. This negative rating has already resulted in the denial of a recent loan application and increased interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress this has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-08-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I HAVE SENT THIS LETTER TO ALL THE HARD INQUIRIES ON MY CREDIT AND NOTHING HAS HAPPENED FOR OVER THE LAST 4 WEEKS OF NO RESPONSES. 

PLEASE REMOVE THE FOLLOWING HARD INQUIRES : XXXX, XXXX & XXXX UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS I PRESUME THAT NO PROOFOF THE ALLEGED DEBT, NOR THEREFORE, ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUNAT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VOLAITING MY CONSUMER RIGHT TO PRIVACY PURSUNAT TO 15 USC 1681 -B2 COMPANY HAS NO PREMISSION TO REPORT MY INFORMATION PER 15 US 16814.

PLEASE REMOVE THE FOLLOWING HARD INQUIRES :
Consumer complaint received 2024-08-19
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. (NY)

I am seeking your assistance regarding this incorrect account listed on my credit report. I am raising this issue because it has harmed my reputation, and I urgently need your help. Your mishandling of my credit report has left me in a difficult position, as the incorrect information has severely damaged my reputation. These inaccuracies must be removed so I can live peacefully with my family.
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: ALLY FINANCIAL INC. (OK)

In according with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below are the information you need to remove or block these accounts from my report. Also, these accounts are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

XX/XX/XXXX Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX, This CFPB complaint has been 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 

A personal credit card account opened with XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 

A personal credit card account opened with XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 

A collection account with XXXX - XXXX XXXX XXXX opened on XX/XX/XXXX under the account number ( XXXX ). 

A student loan account opened with XXXX on XX/XX/XXXX under the account number ( XXXX ). 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # XXXX 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 2024-08-20
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. (PA)

XXXX XXXX XXXX XXXX. has never contacted me at all. However, this agency is illegally reporting an alledged account on all 3 of my credit reports, Equifax, XXXX XXXX and XXXX. A lawyer has agreed that their not contacting me in advance is a serious violation. 
I am willing to go to court and sware under oath that this account does not belong to me and I will file suit stating that I am not liable for this alledged account that had been put on my credit reports without any notice to me. 
The lawyer I spoke with told me I could sue for at least {$3000.00} right now minimum not including his legal fees that XXXX XXXX would be liable for. I never had a contract with this firm and I am seeking monetary relief at present due to XXXX XXXX violations. I also demand that XXXX XXXX delete this debt from all 3 of my credit reports immediately.
Consumer complaint received 2024-08-16
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. (NC)

Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15 U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
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. (NY)

This is related to the false payment reporting on my credit report for XX/XX/year> I have already called previously and spoken to a customer agent a year ago to have the reporting of this late payment changed to paid on time and was told it would be updated to on paid on time. I distinctly remember speaking to a customer service agent overseas about the fact that that payment was supposed to able set on auto pay and I was unaware the system glitched and didnt allow the autopay to upload. 

I called about the reporting of this late payment and was told by a customer service agent overseas that this would behuldate to paid on time. It is not my fault if XXXX decides to hire people overseas for pay cuts who might not completely what I am saying but that is not the consumers fault! You cant expect to hire people with XXXX as a second language and then allow to make mistakes like these. I was recently denied an apartment and am now homeless due to the false reporting of this late payment! I will sue chase if this continues further. I either want this updated to pay on time as I have no other late payments or changed to no data for that month. But under no circumstances should you guys keep reporting this false information. There is absolutely no proof that this payment was deliberately paid late and it is the only one. This is completely ruining my life and causing major hardship. I should not be homeless while employed because my credit is getting demo. Update it asap or I will have to look into legal action.