davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I've been a long time customer of Capital One for over 20 years ( going back to when it was ING ). I have both a savings account and a money market account. The interest rate has always been one of the best in the market. In XXXX interest rates were reduced dramatically due to COVID and in XX/XX/XXXX the government starting increasing interest rates dramatically. I realized in XX/XX/XXXX that my interest rate has only be 0.3 % when interest rates were dramatically hire for the last two years. When I inquired why it's so low, Capital One advised me to open up a new " performance savings account '' that is offering 4.35 % interest. I had no idea this existed and wasn't informed about it until I asked. The issue is the fact that they arbitrarily opened up a new savings account with a higher interest rate, never told me about the change, and left me stuck in the low yielding account. I've had between $ XXXX and have been missing out on roughly the difference of 4 % interest for 2 years which could have been $ XXXX. I find it certainly disingenuous and on the verge of fraudulent to make that change and not alert customers to the fact. The purposely left me in an account paying minimal interest so they wouldn't have to pay the higher interest rate. They told me when I called that I should just check the website which is XXXX. I feel they should have to pay me the interest I could have earned had they told me of the change, or simply switched my account to the new account. Please advise on next steps and how to handle. Thanks.
Consumer complaint received 2024-05-17
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. (AZ)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-08-02
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
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. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA says we must report wrong accounts on credit report.
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Around XXXX my account became compromised and closed from the fraud. 
I accidentally fell for a scam that had me put {$2500.00} worth of invalid checks that would bounce. I was then asked to send the money to someone to help take care of their child 's caregiver. I felt like something was off and reported the fraud before the checks could bounce. 
I reached our to Bank of America to notify them of the fraud since their automatic system did not stop the deposit of 5 {$500.00} checks until after almost {$3000.00} was already scheduled to deposit. I deposited a valid {$1600.00} check from XXXX that they tried to tell me was a fake check. 
I've followed up for two months and Bank of America is insisting I pay for fraud I reported despite their coverage liability and inability to act. They have held my accounts in closure for two months and have not contacted me about the held funds. Despite contacting and asking for a time line or any future steps, I was told that I simply have to wait. And despite being a victim of fraud, they have yet given me any time when I may get the funds or when the accounts will close.

I've been unable to open new accounts but can't use any other banking institutions due to their report on XX/XX/XXXX. Overall, Bank of America has not held up to their fraud prevention and have left me stranded in trying to find a resolution.
Consumer complaint received 2024-05-19
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. (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.

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 2023-08-01
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: Experian Information Solutions Inc. (AL)

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.

The letters are stated with items and issues.

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 2023-08-01
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: Experian Information Solutions Inc. (FL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

12. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX Account Number : XXXX Delete this account. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete From My CREDIT REPORT 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete From My CREDIT REPORT
Consumer complaint received 2024-05-18
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. (CA)

I disagree with the account listed below, which still appears on my credit report despite your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are significantly affecting my credit score. 

Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified this account, so I may follow up.

Please also send me an updated copy of my credit report following your reinvestigation.

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-10-25
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. (TX)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

This is completely inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After receiving a copy of my Transunion Credit Report i noticed some inaccuracies Below are the unauthorized inquires that were made on my report, i have sent several letters to Transunion about this and called them several times and they refused to remove them off of my report All Below Are From Transunion XXXX - XX/XX/2023 XXXX XXXX XXXX- XX/XX/2023 XXXX XXXX XXXX- XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX - XX/XX/2023 In my letter to them i sent the following along with Identification : I am contesting any information on my credit report that I believe to be inaccurate. The data included in my credit report must be validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which does not meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 15 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. 
If any of these claims are not true, please delete them immediately. 
Inquiries I received a copy of my credit report. The credit report showed a credit inquiry by companies that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
Please forward me documentation that you have investigated and removed the unauthorized inquiries. 
Regards You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action
Consumer complaint received 2023-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

Mohela initially did not provide me with my financial/payment history as I requested repeatedly. On XX/XX/XXXX a Mohela customer service representative told me that I was in deferment or a forbearance for much of XXXX and XXXX when in fact I was not and was making payments and was in repayment status. Mohela was my loan servicer in XXXX, XXXX, and XXXX. Finally, after several months, the company finally sent me the requested payment history information on XX/XX/XXXX via their online portal. Mohela keeps sending me responses saying that I have XXXX qualifying payments toward Public Service Loan Forgiveness. However, these XXXX qualifying payments do not include all the payments I made in XXXX and payments I made in XXXX and XXXX according to their payment tracker and according to the payment history report dated XX/XX/XXXX which I note now includes all of my payment history. The report provided on XX/XX/XXXX yields a qualifying payment count of more than XXXX. My qualifying payment count is missing approximately XXXX qualifying payments made in XXXX, XXXX, and XXXX. 

Mohela says that the payment tracker is updated upon confirmation from Federal Student Aid. However, due to Mohela 's handling of my requests and inaccurate reporting ( via a customer service rep ) of my payment status in XXXX and XXXX when they handled my loan, I don't have faith that Mohela has sent over accurate payment information to the Dept of Education/FSA .
Consumer complaint received 2024-07-16
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-05-18
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. (CA)

I disagree with the account listed below, which still appears on my credit report after your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are highly injurious to my credit score. 

Account Name : XXXX XXXXXXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up. 

Additionally, please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-05-19
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. (IN)

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 2023-11-06
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. 

Account Name : XXXX XXXX Account Number:XXXX  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 2024-05-19
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. (NJ)

I reached out to the Equifax over a month ago. I asked each Equifax to remove the fraudulent information on my credit report, as there are people with my personal information that are not authorized to open accounts or use my personal information for their financial gain. There is fraudulent information on my credit report and I am wanting each bureau to remove the inaccurate and fraudulent information from my credit report.
Consumer complaint received 2024-05-18
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: Experian Information Solutions Inc. (OR)

Customer Service Number, XX/XX/24 The agent informed me that me lack of a mobile phone means I am unable to open an account at MyExperian and receive my free credit report. 
No exceptions!