davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/year>, I made XXXX online purchases back-to-back from a travel website. However, the website glitched and XXXX purchase was charged twice. After trying to access my credit card account through bankofamerica.XXXX, I couldn't proceed without answering multiple questions about whether the transactions were authorized. 

I answered truthfully -- XXXX purchase was not authorized by me, but the other XXXX were correct, plus no one had stolen or gained access to my card information, and I was in possession of the card as well. I also typed an explanation into an available field about how the merchant 's website glitched and I didn't agree to a double-charge on only XXXX of the transactions. 

Bank of America immediately cancelled my card without my consent. The question screen was deceptive as it did not say I would lose my existing card number by simply reporting an erroneous double-charge. When I quickly called customer service within the next minute, a representative advised that a card with a new number would be issued to me. I explained there was no fraud and wanted my old card number back because I don't have time to update numerous auto-pay accounts, merchants, or websites with completely new information. The representative told me it was impossible to restore my card number despite my prompt action and explanation, and refused to assist me further. The amount of time I've already spent on this matter has been significant, including hours of lost family and personal activities. 

Bank of America is refusing to remedy this unfair situation, and their customer service representative clearly lacked authority and/or a willingness to override what a computer system had done. But my card number can easily be changed back, and to my knowledge, there is no legal prohibition on doing so. Bank of America should not be able to cancel a credit card without permission and especially after a call was made to seek immediate corrective action.
Consumer complaint received 2024-06-12
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. (IL)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX  ACCT # XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2024-06-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NAVY FEDERAL CREDIT UNION (FL)

Dear Consumer Financial Protection Bureau, I am writing to report a case of identity theft involving Navy Federal Credit Union. Recently, I discovered that my identity was stolen and provided to a repossession company by Navy Federal Credit Union. This action has caused significant distress and financial harm to me.

I believe that Navy Federal Credit Union has fa
iled to adequately protect my personal information, leading to the unauthorized disclosure of my identity to a third party. This constitutes a serious breach of trust and a violation of my privacy rights. 15 U.S. CODE 6802 I urge the CFPB to investigate this matter thoroughly and take appropriate action against Navy Federal Credit Union for their role in this identity theft incident. I am seeking assistance in rectifying the damages caused by this breach and ensuring that my personal information is secure in the future.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX, Equifax and XXXX are reporting late payments on account XXXX XXXX during XXXX and XXXX. According to the Fair Credit Reporting Act late payments are a violation under 15 USC 1666b.
Consumer complaint received 2024-06-12
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. (AL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-02
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. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 information is inaccurate.
Consumer complaint received 2024-06-12
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. (OH)

I was in the process of buying a vehicle already had a pre approval ask that my credit do not be ran with other companies besides the one i was pre approved for which they decided to do as they want and run my credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I received a Cashier 's check from XXXXXXXX XXXX  The check was counterfeit 5 days after the deposit, XXXX cleared but the rest did not clear. The bank is holding me a negative XXXX until I pay the balance. I can't access my funds that are being directly deposited monthly.
Consumer complaint received 2024-06-25
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 am writing to urgently follow up on my previous dispute regarding the negative accounts listed on my credit report. As of today, I have not received a resolution, and the inaccuracies persist, adversely impacting my credit score and financial standing.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX I need XXXX {$100.00} case number XXXX and XXXX {$100.00} XXXX {$100.00} Case number XXXX {$100.00} case number XXXX my dispute is to be reopened because I didnt receive my order and I have called the dispute phone number at XXXX and press option 1 to get to the department that handles XXXX department but they say they denied my two disputes and I also called the customer support at wells fargo XXXX and I also asked them for an update on both disputes they also say it was both denied and I want y'all to reopen my disputes because I disagree with the decision and reinvestigation the two disputes or open a new dispute for both disputes and investigate it or change the dispute so I can get my money back for both denied disputes or give me a credit for both denied disputes for {$100.00} and {$100.00} so a total of {$200.00} in credits I am asking for back my online bank username is XXXX please contact me at XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB And here you go XXXX payment Confirmation : XXXX is and also XXXX Confirmation : XXXX and XXXX XXXX XXXX {$100.00} case number XXXX XXXX {$100.00} case number XXXX XXXX {$100.00} Case number XXXX please contact me at XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB And here you go XXXX payment Confirmation : XXXX
Consumer complaint received 2024-06-21
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (TX)

Freedom Debt relief mislead me and my wife about the program. I have paid my monthly fees, but on my credit file I have more than 3 credit card companies that I have settled charged off my accounts, but still receiving payments. Freedom Debt Relief have very XXXX  regarding this matter. Please help.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

An old account I had with XXXX but have not used in years suddenly showed up on my credit report. I kept everything current when I used the account and there is a {$0.00} balance. However, the old XXXX account is still open and somehow just suddenly showed up on my credit report which lowered my report 13 points even though there is a {$0.00} balance and no missed payments when I used the account years ago. If anything, I would think an account with {$0.00} balance and no negative information would up my score, not take it down 13 points.
Consumer complaint received 2023-06-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I am almost XXXX yrs old and want to live in a senior community for a reasonable price. I recently had the opportunity to purchase a co-operative CASH because of a personal injury settlement. 

I found a co-op for {$70000.00} on XX/XX/XXXX. In order to qualify I was told I need income and credit score requirements, as well as background and criminal checks. I was not worried about income, but credit score was borderline ( around 665 ). 

After almost a month, on XX/XX/XXXX, I received an email denying my application. 

I received a letter from XXXX XXXX XXXX yesterday, XX/XX/XXXX, called " Adverse Action Notice '' denying my application, showing a credit score of XXXX ON XX/XX/XXXX, which claims they obtained my credit score from the consumer reporting agency EXPERIAN. I assume this is the company that XXXX XXXX XXXX XXXX uses to either accept or reject applicants. I PAID THEM A {$100.00} DEPOSIT. My {$100.00} deposit check is dated XX/XX/XXXX and was held until XX/XX/XXXX when all my information was received. HOW COULD THEY HAVE PULLED MY XXXX XXXX FROM EXPERIAN ON XX/XX/XXXX, WHEN I HAD NOT EVEN APPLIED AT THAT TIME? AND MY SCORE WAS THE SAME SINCE XX/XX/XXXX ACCORDING TO MY ACCOUNT ( XXXX ). 

This is impossible! I go on my Experian account online from time to time to check my report and score, and my score is currently XXXX. It was XXXX since XX/XX/XXXX on my Experian account. 

I think I may have been discriminated against, or at the very least, treated unfairly. My husband 's score was higher than mine, and yes, he does not have a high score. His is XXXX.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I looked at my report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX XXXX XXXX open date is not reporting correctly, date last activity, date of last payment is not correct, this account is not accurate XXXX  XXXX XXXXopen date is not reporting correctly, date last activity, date of last payment is not correct, this account is not accurate I also got the investigation back but noticed nothing was modified or updated So I requesting a description of the reinvestigation and they do not provide me which is a violation of 15 USC 1681i7.

Violation of 15 USC 1681i ( 5 ) They have not responded to me here is my tracking number : XXXX that was sent certified and someone signed
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

My account with ( DEPTEDXXXX, US DEPT ED, XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 ( MONTHS REPORTING LATE ) 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.

( DEPTEDNELNET, US DEPT ED, SELF/LEAD ) 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 2024-06-23
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MI)

I AM WRITING REGARDING ACCOUNT # XXXX, WHICH THE CHARGE AMOUNT OF {$1600.00} IS INCORRECT. I MOVED INTO THIS APARTMENT ON XX/XX/year> WHCH MY MOVE IN DATE WAS XX/XX/year>. IT WAS FILTHY AND NOT AVAILABLE ON THE MOVE IN DATE. I HAD TO WAIT ANOTHER WHOLE DAY FOR MY APARTMENT IN WHICH IT WAS STILL FILTHY AND I WAS NEVER CREDITED FOR NOTHING. I HAVE EXPRESSED MY CONCERNS TO THE LEASING OFFICE AND THEY DID NOTHING. UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( 15 USC 1692 ), I AM REQUESTING VALIDATION OF THIS DEBT. PLEASE PROVIDE COMPLETE INFORMATION ON THE ORIGINAL CREDITOR, ORIGINAL ACCOUNT NUMBER, THE DATE THESE CHARGE WERE CALCULATED, THE AMOUNT OF THE ORIGINAL DEBT, AND AN ITEMIZED STATEMENT SHOWING THE AMOUNT OF THE DEBT AND ANY ADDITIONAL FEES OR CHARGES. IF YOU ARE REPORTING THIS ACCONT TO ANY CREDIT REPORTING AGENCIES, UNDER THE FAIR CREDIT REPORTING ACT ( 15 USC 1681b ) YOU MUST PROVIDE VERIFICATION OF THIS DEBT TO THOSE AGENCIES UPON REQUEST. AT THIS TIME, I DISPUTE THE VALIDITY OF THIS DEBT UNDER 15 USC 1692. PLEASE VERIFIY THIS DEBT IN WRITING AND PROVIDE ALL INFORMATION REQUESTED ABOVE WITHIN 30 DAYS. IF VALIDATION IS NOT PROVIDED, I WILL EXPECT THIS ITEM TO BE REMOVED FROM MY CREDIT REPORTS AND FURTHER COLLECTION ACTIVITY TO CEASE.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

My account with ( XXXX, DPT EDXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 ( MONTHS REPORTING LATE ) 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. 


( SYNCB/CCDSTR, XXXX XXXX XXXX XXXX XXXX, INSURANCE SELFREPORTED, XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 2024-06-21
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Williams, Rush & Associates, LLC (KY)

I have disputed this information on my XXXX credit reports several times no actions were taken. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this account actually belongs to me
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SYNCB/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with your company.

The line of credit I have with your company, which is characterized as utilization on my consumer reports.

YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

Account : SYNCB/SAMSXXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( XXXX ) and the person ( YOU ) ( SYNCB/SAMSXXXX ) Making the report is NOT INCLUEDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ SYNCB/SAMSXXXX ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s [ SYNCB/SAMSXXXX ] Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address
Consumer complaint received 2024-06-12
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.