davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
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)

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax, I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: AMERICAN EXPRESS COMPANY (TX)

On or about XX/XX/2023, I received a marketing flyer in the mail from American Express National Bank that had my home address ( XXXX XXXX XXXX, XXXX, TX XXXX ), but the name of the person who the flyer was addressed for was XXXX XXXX. No person with that name lives at this address, and I have lived at this address for almost XXXX years. When I contacted American Express Bank on or about XX/XX/XXXX, I was told to fax a copy of the flyer to their fax number - XXXX - which I did. Nobody from AMEX Bank has called me since. I then called them on XX/XX/XXXX and was told to call the Legal Department - XXXX - on XX/XX/XXXX, which I did. At my request, the Legal Department attempted to transfer me to the Marketing Department, but the call just got back into their regular call answering system, which does not have a number to press for the Marketing Department. I am now contacting you as you enforce banking rules for AMEX Bank.

The only thing I have wanted to do since I first received the flyer was to find out how they got XXXX XXXXXXXX XXXX  name to be tied to my address when they sent out the marketing flyer, and ask them why they sent the flyer with his name to my address. I want to make sure there is no fraud being attempted, especially by XXXX XXXX using my address.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I was told by my ban lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. They do not belong to me and I have never applied for those accounts reflecting on my report.
Consumer complaint received 2024-09-25
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-11
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. (FL)

I am writing to request Experian remove inaccurate and outdated data from my consumer report, Address at XXXX XXXX XXXX XXXX  FL XXXX. I recently obtained a copy of my report from your company and was concerned that several errors require your attention. Delete Fraudulent inquiries 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. I request that you remove this inaccurate data from my report as soon as possible. Please make the necessary corrections to my report ASAP. 15 USC XXXX Permissible purpose of consumer reports1681b. 15 u.s.c. 1681a and 15 USC 1681. 15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Please Delete false information from my consumer report immediately!
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EMCC Holdings, LLC (CA)

This account that I am complaining about concerning Equiant Financial INC. I found a fraudulent account in my credit report. 
Now I recently found this company furnishing derogatory information about me. I sent Equiant Financial INC a letter of dispute of the alleged debt on XX/XX/2023 for validation of debt 12 CFR 1006.34 - Notice for validation of debts. I did NOT get a response from Equiant Financial INC. regarding this alleged debt. Unfortunately this company did not give me Lawful validation for the alleged debt under the FDCPA or responded to my validation letter. I sent on XX/XX/2023 to Equiant Financial INC a letter to cease and desist all communication between me and this company. I also requested Equiant Financial INC to provide me with the permissible purpose that they have the right to furnish anything about me XXXX XXXX in any Consumer Reporting Agencies. If Equiant Financial INC can not prove that I gave permissible purposes they must delete this account from any CRA. 
I did give Equiant Financial INC a chance in good faith to validate the alleged debt. This is a FDCPA violation and makes it an Identity theft under 18 USC 1028 A. Furthermore Equiant Financial INC is furnishing inaccurate information about the account. According to the IRS the definition of a charge off is considered Income. Income does not get reported to the CRAS According to XXXX, and this debt has a XXXX  balance according to the original creditor. What are they collecting on? The alleged debt has already been charged off through the IRS with a 1099-C Cancellation of Debt.

These are the violations of Consumer LAWS, and Criminal LAW.

15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

15 U.S. Code 1681 q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity
Consumer complaint received 2024-01-11
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. (FL)

According to the Fair Credit Reporting Act ( 15 USC 1681a and b ), consumer reporting agencies must fulfill their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. The Privacy Act of 1974 prohibits the disclosure of records without the individual 's explicit written consent. XXXX, Experian, and XXXX have not obtained my consent for the report of the bankruptcy on my credit profiles. These companies need to remove this reporting due to inaccuracies in reporting and violations of Metro 2 compliance. Attached are court statements and an FTC report for identity theft as evidence. As per 15 USC 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 resulting from alleged identity theft, no later than 4 business days after the date of receipt by such agencies.
Consumer complaint received 2024-09-24
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. (AZ)

On XX/XX/year>24 I sent XXXX, Equifax, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section XXXX ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-02-24
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Point Digital Finance, Inc. (FL)

The situation with Point Equity, is they offer loans with the option to buy back your Equity with a cashout refinance or selling the home. Unfortunately they never explained that the only option I would only have is to sell. Reasons is base on my financial income my debt to loan ratio exceeds what I can get to pay them back. For the past year and 11 months I was unable to get this handled. Due to my income the company do verify, they added that its not there policy to look at the financials of the client. For that reason on the contract I feel it was predatory due the reason I expressed I will not be selling my home in any circumstances. The purpose of the loan was for a new roof and Windows due to high increases of home insurance policies. Point equity have been charging my equity monthly for about XXXX and I have no way on paying them back because I can not qualify for a refinance because I only make XXXX  monthly. The amount in question is 19 % of homes equity on marker value after 3 years it goes up to 69 % the amount I have been trying to pay is XXXX but due not being eligible it has gone up to XXXX in less than 2 years.
Consumer complaint received 2023-06-06
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX **** Balance Owed : {$350000.00}, XXXX XXXX **** Balance Owed : {$9600.00}, XXXX XXXX XXXX Balance Owed : {$1300.00}, XXXX  XXXX XXXX Balance Owed : {$1300.00}, DPT EDXXXX XXXX Balance Owed : {$120000.00}, XXXX XXXX Balance Owed : {$10000.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$2700.00}
Consumer complaint received 2024-02-21
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV INC. (NJ)

I tried to use the atm to withdrawal money from my account on XXXX/24. ATM responded on a receipt unable to process transaction please contact your financial institution for more information. Contacted them and they said they are seeing nothing on their end to try again in an hour. It is now XXXX/24 and my card is still not working. I can not even check the balance at the atm at this point. I have {$1700.00} dollars in this account. My husband has an account with them as well since we had our baby XXXX24. He is having the same issue and receiving the same response of everything is good on our end please try again later. Collectively we have about {$3000.00} on both cards.Ive attempted to use my card on XXXX and it is getting declined as well. Attempted to make a rent payment and that is also getting declined. My daughter needs formula and diapers. I am severely stressed over this situation and keep getting nothing but the run around everytime I call.
Consumer complaint received 2024-01-11
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: Experian Information Solutions Inc. (MO)

Got this email from experian wanting all my information again and i flatly refuse because I have sent them the information 3 times and EXPERIAN CHARGED MY DEBIT CARD 2 TIMES FOR 1 MONTH, the Department of Justice has all my information
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Opened a Small Business checking account with Bank of America in XX/XX/2022, after receiving personalized promotional email from Bank of America promising a {$100.00} to {$200.00} account opening bonus subject to balance maintenance conditions over a 90 day period. 
Prior to opening the account, I called a Bank of America Small Business Representative to discuss details of the offer. The Bank of America representative confirmed the terms of the offer and gave me instructions on how to open the account. 
I followed the instructions and opened the account. At the end of the maintenance period, after meeting the maintenance requirements for the {$100.00} bonus, I did not receive any bonus. I waited XXXX more month, and I still did not receive any bonus. 
When I called Bank of America to ask why I did not receive a bonus, I was put on hold again and again for almost XXXX hour. Finally, I was told the bonus offer had not been originally applied to my account, so I would have never received the promised bonus if I had not called to complain. Yet, Bank of America refused to apply the promised bonus ( now 1 month overdue ) in a timely manner. They said it will be applied within 60 days. This is unfair and unreasonable, because Bank of America charges monthly fees to keep the account open, so are they effectively avoiding to pay the full promised amount by deliberately delaying the bonus disbursement.
Consumer complaint received 2023-12-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (CT)

This complaint is a followup to complaint # XXXX Upon review of the documentation you provided as alleged verification of the debt, I must inform you that a simple bill from Frontier does not meet the required legal standard for verification under the Fair Debt Collection Practices Act ( FDCPA ). To lawfully validate a debt, you must provide detailed documentation that clearly establishes : 1. Proof of the original contract or agreement between the consumer and the original creditor. 
2. A detailed account statement showing the breakdown of the amount claimed, including any fees and charges. 
3. Evidence that Eastern Account Systems is authorized to collect this debt on behalf of the creditor.

4. Proof that I, specifically, am the individual responsible for the alleged debt. 
As of this communication, you have not provided adequate documentation to verify any of the above requirements. Simply providing a bill is insufficient as it does not prove that the alleged debt is mine or that the amount is accurate and owed. 
Under the FDCPA, consumers have the right to dispute inaccurate information and ensure that any data reported to credit bureaus is accurate and complete. The failure to properly verify the debt and continue collection activity without proper verification is a violation of my rights.
Consumer complaint received 2024-09-25
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. (FL)

I've repeatedly tried to resolve the fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely affected my life, leading to substantial stress and anxiety. I want to emphasize that I never gave permission for this information to be linked to my name, as I'm a victim of identity theft.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

No agency shall disclose any records which is contained in a system of records, by any means of communication to any person, or to another agency, except pursuant to a written consent of the individual to whom the record pertain to ( PRIVACY ACT 1974 ) ( 15usc552a ). A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer ( 15usc1681 ( c ) ( 3 ) ) ( FCRA ). A non-affiliate third-party that receives from a financial institution non-public person information shall not directly or through an affiliate of such receiving third-party disclose such information to any other person that is a non-affiliate, third-party of both the financial institution and such receiving third-party, unless such disclosure will be lawful, if made directly to such other person by the financial institution ( 15usc6802 ( c ) ) ( FCRA ). Any person who obtains a consumer report from a consumer reporting agency, under false pretense, on knowingly without a permissible purpose, shall be liable to the consumer reporting agency for actual damages, sustained by the consumer reporting agency or {$1000.00} ( 15usc1681 ( n ) ( b ) ) ( FCRA ). 

Number of Inquiries : 27 Please remove all soft and hard inquiries immediately!
Consumer complaint received 2023-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (VT)

Edfinancial is the servicer on my daughters loans, Ive attempted to pay them off three times and they say it is paid in full but the the payment is reversed. No email or other communication from edfinancial ever received by me or my daughter. I emailed the company to ask why they are reversing payments and no answer.

Interest keeps accruing! And we cant pay this loan.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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 information is inaccurate.
Consumer complaint received 2024-01-11
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. (MO)

The banks are in violation of 15 U.S. Code 1681n for willful noncompliance of the FCRA. In accordance with the Fair Credit Reporting Act, the banks have violated my rights under 15 U.S. Code 1681 ( a ) ( 4 ) it states that I have the right to privacy. 15 U.S.C. 1681 ( a ) ( 2 ) Credit reporting agencies can not furnish an account without my written instruction, under 15 U.S. Code 1666 ( b ), The banks may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S. Code 1681a, ( 2 ) ( A ) ( i ) my credit report must not include information on my transactions or experiences between me and the banks. 15 U.S. Code 6802 ( b ) Opting out, the banks must clearly and conspicuously disclose to me, in writing or in electronic form or other form permitted by the regulations that such information may be disclosed to Credit reporting agencies and I am given the opportunity, before the time that my information is initially disclosed, to direct that such information not be disclosed to credit reporting agencies ; and I am given an explanation of how I can exercise my nondisclosure option. 
Per 12 U.S. Code 1431, Powers and duties of banks, is to borrow money, issuing bonds and debentures. According to the doctrine of ultra vires the banks claim I owe money is in violation of their corporate charters. A loan is a Deposit of Money by A Customer with Banker ; XXXX XXXX XXXX XXXX. These banks on my credit report are acting in fraudulent violation of doctrine of ultra vires never provided disclosure that when I applied for the loan or credit, that I was actually providing the value in the transaction per Federal Reserve Act, Section 16, number 1 & 2. 
" Any false representation of material facts made with knowledge of falsity and with intent that it shall be acted on by another in entering into contract, and which is so acted upon, constitutes 'fraud, ' and entitles party deceived to avoid contract or recover damages. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX