davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A cellphone was fraudulently purchased with my Bank of America XXXX XXXX for {$940.00} from XXXX XXXX on Sat XX/XX/XXXX in the afternoon. It was picked up the following morning ( Sun ) around XXXX in XXXX XXXX CA XXXX ( I have email receipts from XXXX XXXX for all of this, since my email was tied to my CC number ) The phone was then taken to the XXXX, CA XXXX XXXX and exchanged for a laptop. The exchange happened on Sun evening around XXXX. I have the serial number of the fraudulently purchased laptop as well ( XXXX ) I noticed the activity later that week and called Bank of America. They did issue temporary funding back to my account but on XX/XX/XXXX, they closed the claim and recharged me the {$940.00}, citing a response from XXXX XXXX that the merchandise was shipped to me. They said I could see this letter at a Bank of America location, but the woman at the actual bank had no idea how to do this. 

The claim of shipment is an outright lie on XXXX XXXX part, nothing was shipped and I have the email chain to prove someone purchased online, picked up at XXXX and then exchanged in XXXX. I also called XXXX XXXX after I initially contacted Bank of America on XX/XX/19, they were not helpful at all and didn't even want the stolen laptop serial number. 

I reported this incident to the XXXX Police as well ( I am a XXXX resident, and the initial fraud took place in XXXX ). The incident number is XXXX, I spoke with XXXX XXXX. 

BofA also has all of the email, they were faxed to them on XX/XX/XXXX ( after they sided with XXXX XXXX )
Consumer complaint received 2023-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (CA)

On XX/XX/2023, I was made aware that my loan servicer, Nationstar Mortgage, dba Mr. Cooper had been reversing the mortgage payments that they were servicing on my behalf. The payment at least 5 times in one business day. After inquiring as to the reason why, said mortgage servicer could not provide a plausible explanation as to why they were reversing the mortgage payments. Even though, I pay my mortgage payment 15 days in advance prior to its due date, the aforementioned loan servicer showed that my account was 2 payments past due, and because of such, I received a foreclosure notice from said lender indicating that my home would go into foreclosure if the payments were not made. In addition, I also noticed that the payment history and multiple reversals on the mortgage account did not match my bank statements. Therefore, it is for this reason that I am asking that the CFPB investigate the forementioned company Nationstar Mortgage, dba Mr. Cooper in order to determine if other customers are experiencing the same issues in which I have. In closing, it was only after my multiple phone inquiries and threat of a lawsuit that my payments somehow reappeared the following business day showing that the aforementioned payments had been applied and the account reflecting the correct due date.
Consumer complaint received 2023-10-18
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. (CA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Account XXXX XXXX XXXX.. .... responsibility is incorrect, which EXPERIAN fraudulently continues to report in BLATANT violation of 18 U.S. Code 8 and 31 USC 5118 ( A ) ( 2 ) Obligation or other security of the United States defined. The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX XXXX XXXXXXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. ( XX/XX/year>, XXXX. XXXX, XXXX XXXX. XXXX. ) THE ABOVE ACCOUNT IS AN OBLIGATION OF THE UNITED STATES.
Consumer complaint received 2024-10-04
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. (KY)

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 2023-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been sending information about some accounts that appear on my credit report to the bureaus for months, and they didn't answer about my requests, not even by email. By law they have to report about my requests. It is unfair I have to come to this to be took into account by these companies.
Consumer complaint received 2024-09-17
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. (PR)

In accordance with the Fair Credit Reporting act XXXX Account XXXX has violated my rights. 

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.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2023, I called XXXX XXXX to ask them what date did my grace period end due to a temporary financial hardship that was ending. My payments had not been late and I was calling to discuss when I could pay before their grace period ended. They told me XX/XX/XXXX was the last day. Payment was made on XX/XX/XXXX, yet late payment still showed up on XX/XX/XXXX.
Consumer complaint received 2024-09-09
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-17
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)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (MO)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Hello, my requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
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. (PA)

This is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$9400.00} XX/XX/2021 15 U.S.C , 1681section 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 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-17
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. (NC)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-17
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. (MS)

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 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 Has violated my rights 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-17
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: Experian Information Solutions Inc. (TX)

" The Fair Credit Reporting Act ( XXXX5 U.S. Code 1681 ) says ( 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-10-13
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: Affirm Holdings, Inc (MD)

I paid off a charge with Affirm through their collection agency, XXXX, which agreed to a settlement. This settlement payment was sent to Affirm on XX/XX/XXXX, and my account now reflects that it is paid in full, as confirmed by the electronic loan verification memo I received from the app. I submitted the settlement statement from XXXX to XXXX to update my credit report, but Affirm asserts that the amount on my report is accurate. When I called Affirm, they confirmed that my account is indeed paid in full but stated they will not update my credit report. 

I subsequently sent both the loan verification memo from Affirm and the paid-in-full statement from XXXX to XXXX for a reinvestigation . Both documents include all account information and indicate that the account is settled. However, Affirm maintains that the amount on my credit report is correct, despite my account showing as paid in full, and the memo and loan verification stating paid in full. 

I need assistance with this situation, as the company is refusing to update my credit report to reflect that the account has been settled. I have a recorded agreement with their collection agency for a settlement charge-off, and they are not honoring this agreement.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

Experian and XXXX are in violation of The Fair Credit Reporting Act ( FCRA ) my credit report has account that have been reappeared after being previously removed, making me a victim of an improper reinsertion of credit data. I understand that The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless they receive a certification from the data furnisher ( XXXX ) that the information is correct and then provides notice to the consumer that the information will be reinserted. This never happens.. I understand that : If the credit bureau reinserts without that certification or if the data furnisher lies in that certification, that it will a fraud XXXX has continued to very to XXXX and Experian that the account has a {$100000.00} balance even though Recent payment was {$100000.00} as of XX/XX/XXXX. And XXXX record shows {$0.00}. balance. 
Report XXXX Date Generated XX/XX/XXXX Before After XXXX XXXX XXXX ________________________________________ Your information XXXX have changed since XX/XX/XXXX View your current credit report Account info Account name XXXX XXXX XXXX Account XXXX Account type Education Responsibility Individual Date XXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance updated- Recent payment {$100000.00} as of XX/XX/XXXX Monthly payment- Original balance {$100000.00} Highest balance Current / Terms met XXXX Closed Reappeared aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX paid off Balance {$100000.00} Balance updated XX/XX/XXXX Original balance {$100000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/23, I faxed to Capital One Bank a handwritten cover letter with directions, a completed and notarized Fiduciary Agent Instruction Form, my very elderly mother 's power of attorney, and my notarized Affidavit that Power of Attorney is in Full Force. 

On XX/XX/23, I received an email from XXXXcapitaloneXXXX stating that my " request was declined because we're unable to verify your identity. '' On XX/XX/23, I wrote back requesting " additional information about why my mothers power of attorney has been declined? The application was notarized, and the notary ( at a local bank ) checked my identification and confirmed my identity. '' On XX/XX/23, XXXX of Capital One 's fiduciary services responded by email : " Capital One uses a verification system to identify and verify all of our customers. Unfortunately, while processing your request to be added as Agent/Attorney-in-Fact for [ Mother 's name ], our identification system was unable to approve and complete the verification process.that would allow us to add you as Agent/Attorney-in-Fact. We are unable to change this decision. We apologize for any inconvenience this may cause. [ para. ] You do have the option of closing out the account payable to [ Mother 's name ] by sending in a signed letter of direction requesting the account to be closed. The letter should include the mailing address where the funds should be sent and emailed to XXXXcapitaloneXXXX Have a great day. '' Within minutes, I emailed back : " I thank you for your form email. Unfortunately, it still provides no explanation of your ill-advised decision to dishonor my mothers power of attorney. Please provide me with details behind such decision and the methods used in such determination. Thank you. XXXX '' I have heard nothing since.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX {$3100.00}, OPENED XX/XX/XXXX. 

XXXX XXXX {$3700.00}, OPENED XX/XX/XXXX. 

XXXX XXXX {$710.00}, OPENED XX/XX/XXXX. 

XXXX XXXX {$450.00}, OPENED XX/XX/XXXX. 

XXXX {$5900.00}, OPENED XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, OPENED XX/XX/XXXX.