davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-12
Product: Credit card or prepaid 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: DISCOVER BANK (FL)

I am highly disappointed in Discover and my mental health has deteriorated severely, including my emotional distress. I have spent over 5 hours on the phone with Discover customer service. I have been connected with the account manager, XXXX ( Discover Supervisor for the Fraud Department ) and XXXX ( Discover supervisor for Customer Service ). They falsely claim that I got my money refunded to my bank account. It has been over a month since I did not get this refund. I have several fraud charges that I have reported to the police and have provided the report to Discover in addition to my airfare tickets proving I was NOT IN THE COUNTRY. I have reported them to the CFPB and they stated that I would be refunded the charges and I still have not. The customer service is a one-star service at best as you are put on hold and then they don't help but just cut the phone. I currently am in a very financially stressful position as Discover has hogged all my funds their policy states that there is a {$0.00} fraud liability and even after providing all the possible documentation they still claim that it is fraud. Please explain to me how my card was swiped in XXXX when I was in XXXX.
Consumer complaint received 2024-07-05
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. (LA)

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 XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-07-11
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)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of
Id

entity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) U.S.C 1681 Section 602 The right to privacy 5. ) 15 US Code 5 Section 1681b : Permissible purposes of consumer reports 6. ) 15 U.S.C 1681 Section 604a, Section 2 : A consumer reporting agency can not furnish an account without your written instructions 7. ) TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) 8. ) United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online press release, including documentation of any potential small claims action.

Please see the attached file below.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

15 u.s. code 1681 ( i ) - re inserted an item and never notified me within the timeframe. penalty {$1000.00} per item. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 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. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft. There are also late payments reported to my consumer files which violate 15 U.S. Code 1666b, which states that no timing shall be late in relation to an open-end credit plan.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I am writing to express my serious concern regarding the inaccuracies on my credit report. Despite multiple requests for investigation, I have yet to receive a satisfactory resolution or corrective action. These disputed accounts are having a severe impact on my credit file and significantly affecting my daily life. 

The inaccuracies have caused immense hardship, and I am now compelled to request your immediate assistance in addressing this matter. Please conduct a thorough investigation into each of the disputed accounts and take prompt action to update and correct my credit report. 

Restoring the accuracy of my credit file is crucial for my financial well-being, and I urgently need your help to rectify this situation without further delay. Your swift action and cooperation in resolving this issue would be greatly appreciated. 

Thank you for your understanding and prompt attention to this matter.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I have written to the credit reporting agencies disputing inaccurate information thats reporting on my consumer file. There are names, Addresses, And DOB that are not accurate so they need to be corrected and removed from my file. I have written numerous letters and these inaccurate items are still reporting on my file.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2019 I tried to place a Security Freeze on my credit account on-line with Experian. Every time I tried to place the freeze on my account I received a message telling me that Experian could not process the freeze based on the info I provided and instructed me to send in a bunch of info, which is difficult since I am out of town. Using the same information provided to Experian I was able to easily get freezes on my accounts with XXXX and XXXX XXXX. 
Trying to contact Experian on-line is impossible as Experian does not give out any electronic address one can use to file a complaint or ask questions. 
Because of the XXXX XXXX breach that surfaced the other day, I am concerned that some of my information may have been compromised. That is the reason I wanted to freeze my account. 
I have tried to tell Experian I will hold Experian personally responsible for any damages I incur as a result of their dilatory action in placing a security freeze on my account. When calling Experian, the first question the computer asks is for ones SSN, which I am not comfortable giving out over an unsecured line.
Consumer complaint received 2024-07-15
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filling this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-07-15
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. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According XXXX XXXX Code XXXX - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CO)

I have asked multiple times for comprehensive documentation from Discover Card. To date they have sent only limited amounts of information and refuse to deliver the documentation that I am legally entitled to. I have asked for a formal arbitration process due to Discover 's flagrant disregard for federal law and they refuse to begin the arbitration process as outlined in their card member agreement.
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: Opportunity Financial, LLC (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Personal Info : Current XXXX XXXX es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection/Charge Off : XXXX  XXXX Late Payment XXXX XXXX XXXX XXXXXXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Previous Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Please refer to these 2 IDs : ID XXXX - XXXX ID XXXX - XXXX BANK OF AMERICA XXXX which belongs to XXXX XXXX, XXXX of Bank of America, has not returned my XXXX paid and he did not transfer my fund US {$95000.00} 1. Who is cfpb CEO? Is this person called himself XXXX XXXX from " XXXX XXXX '' XXXX cfpb present CEO? This person has been also involved in his replies to my questions or is he a scammer? 

2. The following fees were requested and received by XXXX XXXX. 
Transfer Fee : XXXX Tax Clearance Fee : XXXX Bank Safe-Keeping Fee : XXXX ( XXXX ) Agent Fee : XXXX Demurrage Fee : XXXX  {$600.00} XXXX XXXX {$780.00} XXXX Agent Fee : XXXX Total : XXXX is to be returned to me. 

XXXX. XXXX XXXX said XXXX XXXX was sent to jail by XXXX XXXX XXXX ( is he the real tax man? ) XXXX. XXXX XXXX and XXXX XXXX of XXXX XXXX say the fund has been transferred to XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX who asks for {$490.00} transfer fee and XXXX XXXX has been pressing me to pay and said the fund will be transfer to me from XXXXXXXX XXXX. 

XXXX. I do not believe in XXXX XXXX who did not send the receipt on the {$600.00} paid to XXXX XXXX whom he referred to as the secretary in his office. Now he tells me XXXX XXXX bank details is from XXXX XXXX XXXX dated XXXX XX/XX/year>. He said if I do not pay this {$490.00} today the fund will be sent back to the XXXX XXXX XXXX. Can you tell me who is this XXXX XXXX XXXX and are they the real government? 

I am requesting that cfpb reply to my this complain above to my email XXXX so that I have a clear picture and that my paid sum XXXX be returned back to my XXXX Bank Account otherwise I shall report this case to Reportfraud.gov Thank you. 
XXXX XXXX XXXX XXXX XX/XX/year> 2024
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Had XXXX XXXX for years. Bought something for {$18.00}. They on their own, said they decided to send bill electronically. Never got. Saw my XXXX drop from XXXX to XXXX so called to find out why and was told about XXXX. Called XXXX and complained. They dropped late fee and I paid the {$18.00}. They refused to take the delinquent notice off my credit report. 
Contacted credit report companies and was told XXXX had to do it. Given the run around for a year. I want the bureaus ( 3 ) to take this fraudulent info off so my credit report reflects the truth.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Investigation of Missing or Inaccurate Lien Information To Whom It May Concern, I am writing to request an investigation into my credit report regarding the absence or inaccuracy of lien information that I believe should be included. According to my records, the following lien ( s ) are either not reflected in my credit report or reported inaccurately : 1. Lien Description : Debtor : XXXX XXXX Secured Party : XXXX XXXX XXXX XXXX File Number : XXXX, filed on XX/XX/XXXX Collateral : XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) ( Collateral released ) XXXX XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXX XXXX  ( VIN : XXXX, License Plate : XXXX ) 2. Additional Details : The lien should reflect the partial release of collateral concerning the XXXX  XXXX XXXX XXXX XXXX The secured party retains interest in the remaining collateral listed above. The original financing statement, as well as the security agreement, states that this lien is governed under the laws of the State of California and the Uniform Commercial Code ( UCC ). 



Summary of the Promissory Note 1. Parties Involved : Borrower : XXXX XXXX XXXX : XXXX XXXX XXXX. XXXX XXXX : Principal Amount : {$10000.00} XXXX XXXX : None ( 0 % ) XXXX. Payment Schedule : First Payment : {$3300.00} due on XX/XX/XXXX Second Payment : {$3300.00} due on XX/XX/XXXX Final Payment : {$3300.00} due on XX/XX/XXXX XXXX. Collateral : XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXX XXXX  ( VIN : XXXX, License Plate : XXXX ) 5. Default Provisions : If a payment is missed, the Lender can seize the collateral and accelerate the remaining loan balance.

6. Credit Reporting : Timely payments will be reported to the major credit bureaus.

7. Governing Law : Governed by the laws of California and the UCC.

8. Entire Agreement : This Promissory Note constitutes the entire agreement between the Borrower and Lender regarding the secured transaction.

The inclusion of accurate lien information is crucial for accurately reflecting my financial obligations and responsibilities. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit report is complete and accurate.

I kindly request that you conduct a thorough investigation into this matter. Please confirm receipt of this letter and inform me of the outcome of your investigation. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prince Parker & Associates (FL)

I filed a complaint against Prince Parker and Associates because of an unknown account. They replied back on XX/XX/year> stating that all collection attempts h will be ceased and that they will remove this from my credit file. I have attached the Prince Parker 's response with authorization code.