davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
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. (FL)

" The Fair Credit Reporting Act ( 15 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. 
"
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (GA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

I have opened an account and requested a new credit card from American Express. 

The Credit CARD never has been delivered at my home, I never received or used it But on XX/XX/2024, I received a call form AMEX about suspicious activity in my credit card ( the one I never received ). I prompt denied all the purchases but they made me stay more than 3 hours over the phone while they were trying to solve the situation. 

AMEX was not able to solve it or cancel the card in that moment and appeared in my account almosXXXX XXXX $ XXXX in purchases that I had never done. 

I had to call them to ask what happened, they open a Fraud Dispute. It took more than 45 days to be analyzed and Denied with no reasons. 

During this period, I have been talking with them by Chat and proving the information requested again and again and they are only promising that they will solve the case. 

Nothing has been done, and then, I received a letter denying my case. Again, I tried to call them but they are asking me everything again and again but I do not believe more in the support and that they will really solve the case. 

Now, I have a statement of XXXX $ XXXX to be paid by XXXX, XXXX. I do not see any serious engagement from AMEX to solve it.
Consumer complaint received 2024-06-17
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

" The Fair Credit Reporting Act ( 15 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this CFPB complaint for you to notify certain items that are inaccurate and still appeared as fraud in my credit file. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. I have provided the necessary documentation and evidence in my previous disputes to support my claims. However, it is disheartening that these errors have not been removed and are negatively impacting my credit score and financial standing.These are the following items that needs to be removed : 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
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with Clarity Services XXXX Please prioritize this matter for prompt action. I have tried to email them, at Clarity Services XXXX, a part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX But I am not getting any response or completion of my request. 
"
Consumer complaint received 2024-06-13
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)

" The Fair Credit Reporting Act ( 15 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.

"
Consumer complaint received 2024-06-13
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. (NY)

" The Fair Credit Reporting Act ( 15 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. 
"
Consumer complaint received 2024-06-14
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. (MD)

" The Fair Credit Reporting Act ( 15 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.

"
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have called, emailed and written to Bank of America in regard to their reducing my credit limit with each payment. My original credit limit was {$15000.00} and now it is just over {$10000.00}. 

Due to identity theft, unauthorized use of two credit cards Bank of America has decided to lower my credit limit each time I make a monthly payment. For the past XXXX months or so I have consistently paid {$500.00} per month, but the bank lowers my credit limit each time. 

I have never been late, failed to pay or pay short of the required amount. I contacted Bank of America and asked for them to restore my credit limit and reduce my interest rate, but they have refused to lower my rate and continue to reduce my limit. 

I have explained to them that I am retired, and I am not in financial distress or hardship. I assured them that I am committed to paying the debt in full and do not want to resort to bankruptcy or negotiate a settlement, but they treat me as I if I have not been a loyal well-paying customer. 

I also explained the unauthorized use, theft, provided a police report, etc., but they continue to treat me like a high-risk customer when I am absolutely not a risk. Prior to the events my credit score has ranged between XXXX and XXXX for the past 35 years. 

I am poised to pay them another {$500.00} on the XXXX of XXXX and need this type of treatment to stop and for Bank of America to treat me the respect and appreciation that I deserve.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (MD)

Since XX/XX/year>, I have been receiving unwanted phone calls from an unidentified company. They are using various XXXX  numbers to conceal their identity deliberately. The frequency and intensity of these calls have been increasing daily with the intention of harassing, oppressing, and abusing me. Upon investigation, I have identified the caller as Credence Resource Management , LLC, a debt collection agency that focuses on telecommunication, utility, and healthcare consumer debts. According to The Fair Debt Collection Practices Act ( FDCPA ), they are obligated to send validation information within five days of initial contact. Credence has failed to provide written validation of any alleged debt, thus violating this rule. Furthermore, debt collectors breach the FDCPA when they engage in harassing, oppressive, or abusive behavior towards you. A record of all received calls to date is available for reference.
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2024-06-13
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. (MD)

" The Fair Credit Reporting Act ( 15 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.

"
Consumer complaint received 2024-06-12
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 (FL)

Bank of America , N.A . ( " Defendant '' ), account number ending in XXXX Credit card company isn't resolving a dispute about a purchase on your statement billing dispute, dispute resolution process, FRAUD TRANSACTION ( S ) ON ACCOUNT, I do not recognize this transaction and have never authorized it. Pursuant to XXXX XXXX XXXX XXXX, I am politely requesting to dispute this charge and the issuance of a full credit to my account. I have attached additional details below on this matter. 

XXXX. Request Please credit the full amount back to my account and open a case against the merchant. I have always appreciated your timely and professional customer support and that is the main reason why I am a loyal patron of Bank Of America to this day.
Consumer complaint received 2024-06-12
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

On XX/XX/XXXX, I mailed a dispute letter to Capital One requesting an investigation into an unauthorized inquiry on my XXXX, XXXX, and XXXX credit reports dated XX/XX/XXXX. I am unable to identify or verify this inquiry. In my dispute letter, I specifically requested documentation regarding this inquiry, including a copy of the application or written agreement signed by me, authorizing Capital One to perform a credit inquiry for the purpose of extending credit. 

Despite my clear and thorough request, Capital One responded on XX/XX/XXXX, stating that " There are three types of inquiries that may appear on my credit report : Prescreening Inquiries, Account Management Inquiries, and Standard Inquiries. '' They failed to provide any documentation or evidence supporting the authorization of the inquiry in question. This inquiry, which was not authorized by me, has negatively affected my credit score. I do not want any prescreened inquiries from creditors unless I have explicitly made such an application.

According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a creditor is disputed by the consumer, the creditor must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Capital One has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that creditors must ensure the accuracy and completeness of information in consumer credit reports.
Consumer complaint received 2020-10-28
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. (MO)

The following accounts are all unauthorized and an result of identity theft inwhich is already documented within your company. This misuse of my credit file has affected me gravely. I'm asking for you to please remove the following unauthorized accounts.

1. XXXX XXXX XXXX {$1600.00} 2. XXXX XXXX  XXXX {$800.00} 3. XXXX XXXX  {$590.00} 4. XXXX XXXX XXXX {$810.00} 5. XXXX / XXXX 6. XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX 8. XXXX XXXX XXXX {$160.00} 9. XXXX XXXX XXXX {$790.00}
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I pulled a copy of my credit report from XXXX and noticed an account that needs to be immediately updated to PAID AS AGREED. 

XXXX XXXX XXXX Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 100 % ACCURACY IS REQUIREDBY LAW.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly UPDATE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified to PAID AS AGREED on my XXXX report. 

This erroneous account is inaccurate and needs to be updated immediately to reflect accurate information. 

Please see attached document.
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio recovery associates are attending to collect an alleged date on a consumer that resides in a state that They do not have the licensing to do so. I being a XXXX resident Reside outside of the jurisdiction of portfolio recovery associates. In an attempt to collect this alleged debt they have chosen to furnish this information onto my consumer report relating to this debt. Even the reporting of this alleged XXXX  has several and accuracies collection account is reporting as past due, which does not make any sense if they have purchased the rights legally to this debt it would have already have been past due at the moment of their purchase, so why would it be reported as past due? This is a closed collection account correct? This alleged debt is a collection how Would a collection account have a XXXX month term as far repayment if the account was purchased after it had already been closed. I am requesting that this information be removed from my consumer report effective immediately as this collection company does not even have the right to attempt to collect a debt from me, I have never conducted any business with this company, including agreeing to an alleged debt collection nor have I ever given them permission to furnish, any information on my behalf This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.