davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited money into my personal checking account and then {$95000.00} disappeared from the account. I am the only authorized user of my personal checking account. On XX/XX/23, a criminal accessed my online account using the Bank of America website and transferred out {$95000.00} from my personal checking account. The criminal apparently used the stolen money to pay off a loan debt that is NOT my debt. I reviewed the login date/time history of my personal checking online account and there is NO record of me logging into my checking account on XX/XX/23. Additionally, my personal checking account is setup with 2-factor authentication which requires a 6 digit access code to be text messaged to me every single time my personal checking account is accessed online. My phone shows there are NO text messages from Bank of America on XX/XX/23. In short, someone stole my money by bypassing ALL of Bank of America 's security features. Bank of America denied by fraud claim even though there is NO record of me accessing my personal checking account and NO record of an access code being texted to me. Bank of America is cheating me by denying my fraud claim.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I disputed Personal information. Such as my address Equifax continues to place wrong addresses on my credit reports profile. Promoting Identity theft. 

My Address is XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX My address is not XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I am writing to dispute the information on my credit report regarding account number XXXX with XXXX XXXX. Upon reviewing my credit report, I noticed that this account reflects a repossession, which occurred but each month the balance on the loan is falsely being reported as " late '' and the balance goes up. It is impossible for me to be late on payments on a vehicle I no longer have a monthly car payment for I would like to inform you that the repossession of the vehicle associated with this account was a result of being homeless and unemployed at the time. Unfortunately, due to my circumstances, I faced challenges in maintaining the payments on the loan, ultimately resulting in the repossession of the vehicle. Since the repossession, I have managed to stabilize my situation and have taken steps to address my financial difficulties. However, the repossession has left a significant impact on my credit report, hindering my ability to secure housing and employment. I kindly request that you provide me with a letter confirming the repossession and subsequent sale of the vehicle. This letter is crucial for my records and may be needed for future reference. Furthermore, I request that XXXX XXXX remove this account from my credit report immediately. The repossession has already had a detrimental effect on my credit score, and removing this negative account would greatly assist in my efforts to rebuild my financial standing. Please provide written confirmation once the account has been removed from my credit report. Additionally, I request that all correspondence regarding this matter be conducted in writing. 

I have reached out to XXXX XXXX many times requesting the the repossession and sale of my XXXX XXXX of which they refuse to give me and continue to falsely report late payments on my account when the car was repossessed in XXXX of 2021 Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX
Consumer complaint received 2023-04-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-06-17
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. (NY)

Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Pursuant to 15USC 16802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with se It is the bureau 's responsibility to report accurate information ONLY, this account is listed twice with different account information, if it is for the same account how is that possible. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. There was no full investigation of reasonable procedures for my dispute requests NOR was my DEMAND for validation through documentary material met. I was only given an updated report, that showed no updates. REMOVE IMMEDIATELYction 6803 of this title.
Consumer complaint received 2023-07-03
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. (MI)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've asked the bureaus more than once to investigate because I know per FCRA 15 U.S.C. Sec. 1681i ( a ) if the bureaus don't provide proof or investigate properly items must be deleted. They claimed to have verified XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX  ) however its still on the report inaccurately even if oneday they decide to show proof of the debt they assume is mine. XXXX didn't even let me know they were even indeed investigating. It is against the law to report as they have for this account. It should be deleted immediately. 

The other acct is with transunion. They never once investigated " US BANKRUPTCY COURT ' I've requested twice. This need to be removed as soon as possible due to it causing issues with my approval rates for new credit. Per the Fair Credit Reporting Act, Section 616 ( a ), if you willfully fail to comply with the requirement to investigate my accounts, they are liable for damages of {$100.00} - {$1000.00} and reasonable attorney fees as determined by a court of law. I would appreciate it if they delete these account asap.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-07-03
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. (FL)

I advised Experian of an account reporting on my credit that doesnt belong to me. I thought it was much easier to just upload the necessary documents including my affidavit. I initially got an alert that inquiries were removed. Which was confusing to me because I didnt ask for removal of inquiries I ask for removal of an alleged account XXXX  account # XXXX {$830.00} yet the account is still reporting Im asking for removal of account
Consumer complaint received 2022-12-05
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. (MS)

I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-06
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX EXPERIAN COMPLIANCE DEPT RE : NOTICE - Gramm Leach Bliley Act NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EXPERIAN that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act statute ( s ) : 1 ) XXXXXXXX XXXX XXXXXXXX {$230.00} No privacy disclosures provided. DELETE immediately Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does EXPERIAN allow these non-compliant institutions to report on my credit profile and put my privacy at risk?

Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that EXPERIAN PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). 

Experian and XXXX XXXX  are in direct violation of the GLBA act GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses 1 ) XXXX XXXX XXXXXXXX {$230.00} No privacy disclosures provided. PLEASE immediately. 

XXXX XXXX
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Request Exchange on Debts Due to XXXX XXXXXXXX 

To Whim It May Concern : I have been dealing with XXXX XXXX since XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, and I am XXXX XXXX XXXX  There is simply no way I could keep a job and support a credit history. So, I respectfully ask that your institution write off permanently the credit card debt that charged off in XXXX XXXX XXXX XXXX 

As you know, in past few years, the citizens of the United States suffered through a deadly pandemic the likes of which our nation has not seen in over one hundred years. Crippling fear and an abundance of caution resulted in government-imposed shutdowns, curfews, and moratoriums, which prevented millions of Americans from working and conducting their business and pushed many thousands of businesses to fire their staff and, endured the indignity of having to close their doors for good. This devastated the economy, drained peoples savings, forced millions of consumers into insolvency, and destroyed their previously good credit ratings. In the post-pandemic, the country has not fared much better. Unable to find workers, a great many of the businesses that managed to cling on by the skin of their teeth and survive the nightmare that was COVID -19, found that perseverance and determination are not enough. Exhausted, demoralized, and out of options, they too had to shutter their businesses and experienced the heartbreak of financial ruin. Unsurprisingly, bankruptcy filings are near an all-time high. 

I would like to work out this matter without any costly litigation or unnecessary protracted court procedures. In lieu of any current long-term indebtedness, I am respectfully asking for a 1099-C Exchange that I believe will benefit all parties involved. This requested 1099-C Exchange will clear the business between the parties, allowing me a fresh start. Any debt that I owe is canceled, forgiven, or discharged, and in this way becomes taxable income to me. Your institution receives a true write-off for a debt that was likely previously deducted in your prior 10-Q SEC filings. A win-win!

Please respond in written form only through the Consumer Financial Protection Bureau ( CFPB ), or directly to my email referenced above. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (SC)

LexisNexis is reporting incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX SC XXXX there should be no other names or addresses listed on my consumer report. I have provided my identification to LexisNexis on several occasions and they have not updated my report.
Consumer complaint received 2024-05-06
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX EXPERIAN COMPLIANCE DEPT RE : NOTICE - Gramm Leach Bliley Act NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EXPERIAN that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act statute ( s ) : 1 ) XXXXXXXX XXXX XXXXXXXX {$230.00} No privacy disclosures provided. DELETE immediately Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does EXPERIAN allow these non-compliant institutions to report on my credit profile and put my privacy at risk? 

Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that EXPERIAN PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). 

Experian and XXXX XXXX  are in direct violation of the GLBA act GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses 1 ) XXXX XXXX XXXXXXXX {$230.00} No privacy disclosures provided. PLEASE immediately. 

XXXX XXXX
Consumer complaint received 2023-11-15
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: EQUIFAX, INC. (NC)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act DPT ED/XXXX XXXX Balance Owed : {$1400.00} DPT EDXXXX XXXX Balance Owed : {$920.00} DPT ED/XXXX  XXXX Balance Owed : {$9200.00} XXXX XXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX XXXXXXXX Balance Owed : {$19000.00} DPT ED/XXXX  XXXXXXXXBalance Owed : {$4300.00}.
Consumer complaint received 2024-05-06
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)

On XX/XX/year> there was a letter sent to Experian asking them to verify what I believe to be incorrect information about a few accounts reporting to my credit report. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

This complaint is for the late/delinquent payment CAPITAL ONE reported on my credit.

In accordance with the Fair Credit Report Act Capital One has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 any purpose.
Consumer complaint received 2024-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.