davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK (AL)

This CFPB Complaint is in Reference to Discover Bank, Account Number XXXX XXXX XXXX XXXX Disputed balance - {$1500.00} reported balance First I wanted to Say My name Is XXXX XXXX, & I am a XXXX XXXXr with Discover Bank. On the Date of This account was closed on XX/XX/year>. I wanted to expressly concern that this account is charged off which means anything considered charged off is considered " Income ''. If every Debt is considered income because it's considered a " Securitie '' Per the securities and Exchange commission. Per the " IRS Publication '' it states that all " ALL '' charge-offs are considered income, So how can Income be reported to my Credit Report.

Further more I wanted to express that 15 usc 1666 ( B ) - Timing of payment subsection ( A ) A creditor may not treat a payment on a credit ( CHARGE ) card account under an open end consumer credit plan as " late '' for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the informationis mailed or delivered to the consumer not later than 21 days before the payment due date.. ( Discover Bank ) are listing my payments as late under a open ended consumer credit plan ) - which is also against the law. Which means I have A charge card and you CAN NOT LIST LATE PAYMENTS UNDER AN OPENED ENDED CONSUMER CHARGE CARD CREDIT PLAN, Discover Bank are also In violation.

Moving On to the Next Facts states : 15 U.S. Code 1666 ( D ) - " Treatment of credit balances '' - Whenever a credit balance in excess of {$1.00} is created in connection with a " consumer '' credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall A- credit the amount of the credit balance to the consumers account ; B- refund any part of the amount of the remaining credit balance, upon request of the consumer ; and C- make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 


I Consider All of the Raised Concerns about the Amount in Question In this Matter and Looking Forward to resolving this Issue in a timely and Precise Manner. Please Consider This complaint as a Formal dispute under the Provisions of the FCRA.
Consumer complaint received 2023-09-20
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. (GA)

In accordance with the Fair Credit Reporting act Convergent Account # ( LISTED BELOW ), 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. 
XXXX NAME ; XXXX # ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Chap XXXX XXXX
Consumer complaint received 2024-05-20
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. (FL)

In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights privacy under 15 U.S.C 1681. 

XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 states I have the rights to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer reports 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 7 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 2024-05-21
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc. (NY)

This is not my account. I never had an account with XXXX or Bounce. During this time I also had another account opened in my name and is fraud. This needs to be removed from my credit report and furthermore, find out who did this and charge them. 

Contact Info XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Phone Number ( XXXX ) XXXX Account Info Account NameBOUNCE AI INC Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date XXXX StatusCollection account. {$13000.00} past due as of XXXX XXXX. 
Status UpdatedSep XXXX Balance {$13000.00} Balance XXXX Recent Payment- Monthly Payment- Original Balance {$13000.00} Highest Balance- XXXX Months On Record XXXX XXXX
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX Deposited a {$21000.00} check into our small business account. Unfortunately check was made out wrong. Not to the company exact. Bank manager confirms it should not have been run thru, and we agree should have confirmed how check was written. 
Bank manager reassures us this issue can be corrected. blaming the issue on the check writers banking institution. 
Turns out Chase Bank continues to hold onto these funds. Will not release the check until XX/XX/XXXX. Basically Chase has been holding on to our Customers Funds for over a week now.
Consumer complaint received 2024-07-09
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. (TX)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-05-14
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. (CA)

I just recently looked at my credit report XX/XX/2024. I saw some hard inquiries that did not have permissible purpose. i also attached evidence 1. XXXX XXXX XXXX  XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXXXXXX XXXX XXXX XXXXXX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 3. XXXX XXXX XXXX XXXX  This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b
Consumer complaint received 2023-08-03
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. (CA)

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX. I tried disputing these 2 debts with Experian and XXXX. I settled these 2 debts through a 3rd party made all payments on time as agreed and paid off. I was unable to get information from XXXX with the account numbers that are reporting on credit report. I have been disputing this with Experian and XXXX but they have failed to update balance with settled amount or pays as agreed status. As a result this has caused continued harm to credit reputation.
Consumer complaint received 2024-05-14
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. (CO)

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX {$9700.00} XXXX  XXXX - XXXX {$5900.00}
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2024-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-16
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)

Correct Data : Account PAID As Agreed ( In FULL ) ON Time 100 % -All Bureaus. 

Current FICO TransUnion Report : Older Derogatory Events : 60 Days ( XX/XX/2017 ) Older Derogatory Events : 90 Days ( XX/XX/2017 ) The information, containing derogatory dates, is unique & and misaligned in comparison to the same account data across both XXXX and XXXX. I did not authorize these inputs of inaccuracies. 

This Data Needs to be removed.
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

on XX/XX/XXXX, I made an order with XXXX, with {$47.00} and shipping to California, but XXXX charged my capitalone credit card for XXXX amounts : {$47.00} and {$47.00}. I asked XXXX to provide order details of the {$47.00} transaction but they could not. They suggested me to dispute with my bank capitalone and I did. to respond to the bank, XXXX provided some fake transaction information which is definitely not {$47.00}. This {$47.00} transaction is non-existing, but XXXX provided to capitalone with order number XXXX and an XXXX shipping number ending in XXXX which belongs to a totally different transaction with amt of {$1.00}. Since this tracking number shows some products are delivered to me, so capitalone claimed that this {$47.00} transaction is valid without further examining the transaction amount. 
I am here to make a complaint that XXXX charged me {$47.00} on non-existing orders and Since I just paild {$10.00} membership fee but XXXX suspended my account due to this dispute, I am requesting XXXX / capitalone to return {$57.00} to me. 
Thank you
Consumer complaint received 2024-05-16
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. (NM)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-10
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. 
Account name : XXXX XXXX XXXX # XXXX, Account name : Department of Education/ XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : 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 to any consumer reporting agency if the
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (VA)

I am writing to express my deep concerns regarding the overwhelming influx of unsolicited phone calls I have been receiving since applying for a mortgage. The sheer volume of calls from various mortgage lenders received at all hours of the day, has not only disrupted my personal life but has also significantly impacted my ability to conduct business without interruption. In the span of just a day and a half, starting from Monday afternoon XX/XX/XXXX to Tuesday evening XX/XX/XXXX, I have received a staggering 59 calls on my personal cell phone and 43 calls on my business cell phone, totaling 102 calls, all of which have persisted from XXXX XXXX  until XXXX XXXX, and are continuing. 

I am baffled and deeply troubled by how my personal information has been disseminated so widely without my consent, just by having my credit run for my mortgage. This breach of privacy has left me feeling extremely disconcerted and vulnerable. 

I implore you to take swift and decisive measures to address this grievous breach of privacy with all three credit reporting platforms, XXXX, Equifax, and XXXX. Any guidance or support your team can provide in resolving this matter would be invaluable. 

I trust that you will recognize the severity of this issue and act expeditiously to rectify the situation. 

Thank you for your attention to this matter.
Consumer complaint received 2023-09-02
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

I am unable to access my online account. I have been a victim of identity theft. I have a " split file '' with Equifax and this needs to be fixed so I can manage my online account. I have tried to reach out to Equifax but they do not help.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am submitting this complaint due to the fact that I have been a victim of identity theft. I have made attempts to show Equifax that I was incarcerated when the fraud was initiated on XX/XX/year>. I have contacted Equifax about removing the fraudulent information, but they refused even when I submitted proof showing that I was incarcerated. Under 15 U.S.C. 1681 : General provisions and definitions 15 U.S.C. 1681e ( b ) : Compliance procedures 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information 15 U.S.C. 1681i ( a ) ( 5 ) : Reinvestigations of disputed information Disputed Information : " XXXX XXXX '' ACCT # XXXX I found the following inaccurate and fraudulent information : Credit Reporting agency : Equifax Reasons for Dispute : Inaccurate Reporting : Under 15 U.S.C. 1681e ( b ), it is required that credit reporting agencies maintain maximum possible accuracy. The listed items do not meet this criterion. Obligations of Furnishers : As per 15 U.S.C. 1681s-2, the furnishers of this information are required to report accurate data. Their failure to do so necessitates the deletion of these entries. Reinvestigation Requirement : In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I am requesting a reinvestigation of these entries and their subsequent deletion. These accounts aren't paid late accounts or derogatory accounts either! Equifax is reporting inaccurate information I want my accounts updated correctly on my credit report
Consumer complaint received 2024-10-25
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. (IL)

I discovered some unauthorized inquiries on my credit report this morning, and I have no idea how they got there. I regularly check my credit report, but this time there were unexpected discrepancies. I even refreshed my browser to make sure it wasnt a glitch, but the inquiries remained. I am extremely frustrated by this and request that the documents I've sent be carefully reviewed to resolve this once and for all so I don't have to deal with this again.