davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
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. (NV)

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 2024-06-14
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)

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.

has violated my rights. Or a 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 2019-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

1. Earlier today I filed complaint XXXX regarding Bank of America, regarding the rudeness and poor customer service on the part of XXXX, the manager at the XXXX XXXX XXXX in XXXX. This poor customer service had occurred in the content of me attempting to deposit a check. 

2. Subsequent events that transpired today necessitate I file this second complaint regarding me being misinformed and then relying on another Branch Manager 's statements, only to be greatly harmed by Bank of America. 

3. After receiving poor service at the XXXX XXXX, I walked to the XXXX XXXX XXXX. There, I met with Branch Manager XXXX, who walked me over to the teller area. 

4. XXXX and the teller began to process the check to see if there would be a hold. They said there would be a hold on all funds until the morning of XX/XX/XXXX, this Friday. I said I would prefer to have the check back and to try other banks. 

5. Both XXXX and the teller advised me specifically that if I deposited it at a BOA ATM that I would have immediate access to XXXX dollars funds, and the remaining hold through XX/XX/XXXX. 

6. I attempted to use a third party check cashing service through XXXX XXXX, but they wanted a four percent fee, and said their third party service couldn't reach anyone to verify ( it is unclear whether they were trying to reach XXXX XXXX XXXX, upon whom the check is drawn ; or XXXX XXXX XXXX, who wrote the check ). XXXX XXXX said they could try again but it started getting close to XXXX. and they were going to soon close. 

7. From there I walked to the BOA XXXX XXXX XXXX. where, upon the prior advice of XXXX and the teller at XXXX XXXX XXXX, I deposited the check in the ATM there. 

8. Instead of receiving my immediate XXXX dollars are promised, I received XXXX dollars. 

9. Instead of having a hold through XX/XX/XXXX as promised, the hold is through XX/XX/XXXX. 

10. These are federal funds intended for my education, to support my room and board and transportation and books and misc. expenses. I am enrolled in a seven week course in XXXX XXXX toward an XXXX   degree. For me to receive my funds after XX/XX/XXXX is harming my education and my ability to study or concentrate or even just live. The check was cut on yesterday and I paid nearly {$50.00} in shipping fees for it to be rushed to me just so I could have immediate access to at least some of the funds. 

11. Either XXXX and the teller gave me misinformation, or BOA is failing to keep its promises to me. 

12. In either event, Bank of America is responsible for harming my life and my education. 

13. I spoke with XXXX XXXX, the Vice President and Financial Center Manager at XXXX XXXX XXXX. He offered no immediate relief financially, but did allow me to use his phone to call the XXXX XXXX, who was able to arrange for an XXXX to take me home. XXXX said he could not reverse the deposit and that we would have to wait until tomorrow - that he would ask for some or all of the hold to be lifted.
Consumer complaint received 2024-08-06
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: CITIBANK, N.A. (CA)

While checking my credit report, I observed that account XXXX ( XXXX ) has records of late payments that are inaccurate, since I have always met my obligations. I have made multiple disputes regarding this issue, but the mark has only 'validated ' itself according to them, without offering certified evidence that I was indeed in default. Therefore, I am filing this complaint, as I believe the company is infringing upon the sections of 15 : 15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC Code 1666b This code establishes that a creditor may not treat a payment as late on an open-end consumer credit plan account unless the creditor has adopted reasonable procedures to ensure that each periodic statement that includes the information required by section 1637 ( b ) of this title is mailed or delivered to the obligor no later than 14 days after the close of each billing cycle.
Consumer complaint received 2024-06-22
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. (IL)

STUDENT LOAN : ALL DEPT OF XXXX ED In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am initiating a dispute and investigation because these accounts are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am owed {$1000.00} for each error. FCRA 605B stipulates that any inaccurate accounts on a consumer 's report must be reported.
Consumer complaint received 2024-09-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services (NC)

The statute that applies to the notice of default and right of redemption or reinstatement for vehicles is XXXX XXXX XXXX XXXX XXXXXXXX. This statute outlines the requirements for notifying the borrower in the event of a default on a vehicle loan. Specifically, it mandates that the notice must be sent by certified mail to the borrower. If a creditor can not prove that the notice of default was sent by certified mail in the case of a vehicle repossession in North Carolina, it can lead to several issues : Repossession Legality : The repossession may be deemed illegal if the creditor can not prove that they followed the proper notification procedures. Borrowers Defense : The borrower can use the lack of proper notice as a defense in court, potentially leading to the repossession being overturned. Damages and Penalties : The creditor might be liable for damages or penalties if the repossession is found to be unlawful due to improper notice. On XX/XX/year> I sent the certified mail XXXX XXXX XXXX XXXX XXXX XXXX to Lendmark, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which is the address in the attached letter, but never received a response.
Consumer complaint received 2024-06-19
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. (PR)

This account was Charge off on they following date XX/XX/2019 Since then they account was repeteadly been updated as Charge off every month .This is an updated in they payment history.A charge off account should not include an active payment history.This inaccurate information falsely manipulates they statute of limitation.I AM demanding a deletion of the following account.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have disputed the account XXXX XXXX XXXX multiple times every month XX/XX/XXXX removed it but experian refuses to remove it i don't understand how it can be removed from one but not the other
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX  pulled a report from my TransUnion credit report. They determined with that information to close my XXXXXXXX XXXX XXXX. I explained to them it was not correct when they finally explained to me why my account was closed. They stated to few accounts paid as agreed, The length of the loan not enough paid for the timeline ( It was my mortgage ) I have paid the amount we are supposed to for over 4 years. On all my accounts I have paid as agreed and pay more the minimum every time I can. I always at least pay the minimum payments though. There are XXXX situations where I was not able to pay right away on XXXX of my accounts. XXXX of the accounts was 30 days late. The other account was 60 days. Only closed accounts were XXXX XXXX  account and XXXX due to gear return issue but the balance is XXXX and stays on my report. I turned in everything they requested and was already out of the military at that time as well. They then told me I had to turn in gear that I supposed to still have but didnt it was turned in. I have called XXXX XXXX  and TransUnion to try and resolve the issue. They both tell me there is nothing they can do. I have XXXX and have served my country honorably and I feel they are closing accounts that should be still open. I got a letter when I disputed the account being closed. It arrived from XXXX XXXX  telling me their decision still stands. Even after I told them the information they used is incorrect I pay all my account as agreed and on time. The guy I also spoke with just kept asking me what do you want me to do over and over. He said transunion fixes the incorrect information. XXXX XXXX from TransUnion told me they do not fix anything that they can only do credit report in the mail to me. XXXX from TransUnion hung up the phone on me. XXXX was very rude as well she kept interrupting me not letting me fully explain what happened and why I was calling TransUnion. XXXX XXXX  told me I had to call them to dispute the information. I did dispute it and that is when the letter arrived. They closed my account out of the blue then told me to few accounts paid as agreed and not enough paid on the length of the loan which was our mortgage loan for our house. Them closing my account my credit score dropped over 67 points and negatively affected my credit when I did nothing wrong. They refuse to help any further and I feel they are discriminating based on false information. XXXX XXXX  told me they use that information to determine credit worthiness and to see if customers will pay their bills. I explained to him that I do pay on time and the amounts agreed. He stated how do I know that. When clearly that was a lie because they can see I paid mine on time and amounts agreed.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Dob : XX/XX/XXXX Ss # XX/XX/XXXX Dispute Under : 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) ** I am writing to formally dispute an unauthorized credit inquiries that appears on my credit report, which I believe violates the Fair Credit Reporting Act 's provisions regarding permissible purposes for furnishing credit reports, specifically as outlined in 15 U.S.C. 1681b ( a ) ( 3 ) ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry 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 Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry dateXXXX XXXX, XXXX XXXX Inquiry dateXXXX XXXX, XXXX These inquiries were made without my knowledge or consent, and I do not recall authorizing these to access my credit report. Under the FCRA, consumer reporting agencies are not permitted to furnish personal credit information without a valid permissible purpose. I believe these inquiries were made without a permissible purpose and therefore request their removal from my credit report. 

Please investigate this matter within the statutory period of 30 days as required by the FCRA and confirm in writing to me that this inquiry has been removed. 

Thank you for your prompt attention to this matter. I look forward to your swift response to ensure compliance with the FCRA and the accuracy of my credit information. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-15
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. (NJ)

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected or removed : XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX
Consumer complaint received 2024-09-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (CA)

They are calling me repeatedly at least 2-3 times a day when I have told them to stop calling me and Ill pay the debt when I can as Im not working right now and dont have money. They still keep calling even after I blocked the number they are still able to get thru. They call from multiple XXXX numbers
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (SC)

Equifax will not allow lenders to pull my credit report. There is no freeze, lock or fraud alerts on my credit file. As I attempt to open a bank account, either a bank can not pull my report, or they get an error that says, " This form produced by equifax -- -- -- consumer requested security freeze on his/her credit file -- -- -- Report unavailable. Equifax and affiliates. '' I have tried to pull it myself and I keep getting an error on XXXXXXXX XXXX XXXX, etc. No one is able to pull the file. This is causing a true hardship to me and my family. I have called equifax 14 times. I have spoken with managers and supervisors. none of them see any blocks or alerts that would prevent the file from being accessed. However, lenders are still not able to pull my report. I cant even open a simple bank account because of this. Please help me.
Consumer complaint received 2024-09-18
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: Village Capital & Investment LLC (TX)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (MA)

back in 2016 in XXXX XXXX companies called my house one was XXXX XXXX I doid not accept the offer how did they get my number I do not know the other one was XXXX  and I told the person on the cell phone not to bother anymore recive XXXX more calls again and finally blocked the phone number, a month later after the incident my computer got a blue screen and the number XXXX XXXX  on site showed up I called the company and asked why the locked my computer they said they could not get in remotley unless I give them authorization I hanged up shut it off and changed the XXXX XXXX my self after that all seemes normal had to change pass word and recover my bank information all seemed normal a few months wanted to get a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  when the loan company XXXX XXXX  informed me of XXXX passive accounts XXXX and XXXX and XXXX called XXXX companies no response called and a machine answered I am asking help
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (WA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, 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. (MO)

I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, Company Information : XXXX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, Company Information : XXXX Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX   XXXX Date of Inquiry :XX/XX/XXXX, Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX/ XXXX XXXX/ XXXX   Date of Inquiry : XX/XX/XXXX