davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-12
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. (OR)

n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXXXXXX, has violated my rights.

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

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (PA)

XX/XX/XXXX statement {$460.00} due XX/XX/XXXX. I paid {$460.00} XX/XX/XXXX. Paid the bill in full. A bill of around {$5000.00} that I paid off in 4 months. I had no idea that a {$8.00} bill was after the {$460.00} that was due XX/XX/XXXX that I paid off in total. Further, I never received a bill that {$8.00} and then {$16.00} late fee occurred. The only reason I knew that I owed BJs any additional money was because my credit report gave me a notification. Further, why would I pay {$460.00} and leave {$8.00} for the next month to be paid? Makes no sense. I would have included the $ XXXXwith the {$460.00}. Now this effect my credit score that I have worked hard to improve. I would like to report this and also have the fees taking off and my credit score fixed or taking off my credit report. Thanks.
Consumer complaint received 2023-11-23
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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-06-04
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 (CA)

XXXX XX/XX/XXXX I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of XXXX XXXX, XXXX XX/XX/XXXX I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of XXXXXXXX XXXX  CAPITAL ONE XX/XX/XXXX I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of Capital one bank CAPITAL ONE XX/XX/XXXX I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of Capital one bank XXXX XX/XX/XXXX I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a notice from Bank of America XXXX XX/XX/year> afternoon that my checking accounts are closed. I called the BOA agent and went to a local branch as well, the answer they gave me was that the closure was due to the business reason of the BOA.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

There is a problem calling the Capital One Customer Service Number XXXX when it comes time to pay my bill by phone. 

The problem is the number is ALWAYS busy when ting to pay by phone ( not the first time ) BUT if I use another phone to contact Capital One using the number above, the line is NOT busy. This phone number is NOT known to Cpital One! 

Now, I tried this FOUR times and ACH time I used my phone number the XXXX was ALWAYS BUSY but using another phone calling them at the same number was NOT busy!. 

Now, I did not used the " REDIAL '' on my phone but did it by pressing the numbers individually. 

I called ANOTHER company XXXX number on my personal phone to test if it was working correctly and it worked fine. 

There is a TACTIC HERE by Capital One to do something VERY FISHY here. This is not the first time this has happened dialing the Capital One Toll Free Number which is on the credit card and on the credit card statement bill.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-07-27
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (NC)

According to the Fair Credit Reporting Act 15 USC 1681 Sec XXXX - " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. 
I have the right to make sure my private information isn't shared which is backed by 15USC 6801 which states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the customers nonpublic personal information. AFFIRM INC. is a financial institution under that title. 15 USC 1681 section XXXX a section XXXX states that " in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. AFFIRM INC, the financial institution and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
Any and all consent to XXXX, XXXX, AFFIRM INC whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise the non-disclosure option. AFFIRM INC. never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( XXXX ) states " except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information. 
Any other adverse item of this information, other than records convictions of crimes which antedates the report by more than XXXX years. This account is an adverse item they are reporting again without my permission which is against the law. 15 US Code 1681s-2 ( A ) ( XXXX ) States " a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 15US Code 1681 states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title '' XXXX and XXXX are not maintaining reasonable procedures. Also, XXXX XXXX states " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/25 I noticed the following authorized transcactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have contact my bank to dispute these unauthorized transactions and I have received no help. 

This places a financial burden on myself. I wish to retrieve the funds taken after following my banks protocol of following respective steps after text was sent due to suspicious activity on my account.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

Please remove/delete the following address from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please UPDATE my address to the following address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove the following phone # from my credit report : XXXX Please update my phone number to the following XXXX
Consumer complaint received 2024-08-23
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)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX NUMBER XXXX XXXX XXXX XXXX XXXX, NUMBER Account : XXXXXXXX XXXX XXXX  : NUMBER Account XXXX XXXX XXXX XXXX  : NUMBER Account : XXXXXXXX XXXX XXXX : NUMBER Account : XXXX
Consumer complaint received 2024-06-03
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: AMERICAN EXPRESS COMPANY (FL)

I have decided to close relationship of XXXX years with Amex because of unscrupulous lending behavior. In XXXX years I have a XXXX credit limit! I have a platinum card with XXXX credit limit. My counterparts with the same credit score or less were afforded the rights to be offered XXXX these amounts. Only in XXXX does this happen! 2024 and giants like American Express are able to perform with such bold unscrupulous behavior in plain sight. Dont write me and talk about future credit! My score is a XXXX! Dont write and tell me I had a returned payment and apply in XXXX months! Just remove these XXXX accounts off my credit report! I dont have a relationship with American Express and I dont want to continue to be reminded of the disrespect and the violation of my fair credit rights! 
Remove wrong balance Remove wrong status Remove your history Stop reminding of your blatant disrespect and take this ugly and bias history off my consumer credit report! 
Enough is Enough!
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (AZ)

I contract discover bank once I realize money was fraudulently taking out of my account so I file a dispute to get my money back they claim they contract the 3 party With is XXXX XXXX in said I play a part of the money been taking out of my account I ask them for the poof they never give me any evidence of anything then state my claim was close Im loyal customer and get direct deposit in my account which makes me feel this is not safe for my money
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (AZ)

Im a loyal discover member I deposited money in my discover bank back in 2021 back in XXXX. 
XXXX XXXX XXXX  TAKING MONEY OFF MY DISCOVER ACCOUNT REVERSAL OF ACH DEPOSIT CAUSING ALL MY DISCOVER BANK ACCOUNTS TO CLOSE
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One sent a response, but didnt mention the account Im complaining about and mentioned accounts not even on my current report. That correspondence is attached, along with my police report and ftc affidavits. My XXXX  XXXX complaint is also attached.
Consumer complaint received 2024-06-01
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: Ava Finance, Inc (TX)

Ava Finance Inc. 

This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete accounts Ava Finance Inc Account # XXXX Account # XXXX for violation of FCRA Section 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXX, Ava Finance Inc. is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

XX/XX/XXXX Contacted Capital One to verify the additional credit card account I discovered when reviewing my credit report. They were unable to see it under my account as I ( to my knowledge ) only have two credit card accounts with them. 
XX/XX/XXXX I contacted XXXX to verify if the additional account was visible on my report. It was not. 
XX/XX/XXXX Contacted XXXX to verify the additional credit card account on my credit report and was able to verify that an account had been opened on my behalf and shows an account that went delinquent as of XX/XX/XXXX XX/XX/XXXX In pursuit of wanting to report an extended fraud alert through Capital One, I was directed that until I have either filed a police report or have legit documentation for proof of stolen identity/fraud, I am unable to submit an official report to get that process started. 


Under XXXX credit report, I was able to confirm a third credit card account that has a credit limit of {$2500.00} that was opened XX/XX/XXXX when I was XXXX that I had no knowledge of. Payments on that account have been consistently paid up until XX/XX/XXXX. The account now has missed payments and an outstanding balance of {$2900.00}. This has affected my credit score and is devastating to find out.
Consumer complaint received 2023-03-12
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Account Number :XXXX  and XXXX XXXX XXXX Account Number : 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. 15 U.S.C 1681 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1692b ( 5 ) - Acquisition of location information not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Consumer complaint received 2023-03-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian, XXXX and XXXX continues to report a closed account late. They have done this 2 months in a row which has negatively affected my credit score in a tremendous way. They refuse to remove the late remarks. This needs to stop and those late reports needs to be removed
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited money in my Bank of America Checking account via the ATM. 
I had a total of {$5000.00} The first transaction I did was for {$4200.00} and the ATM shut down while taking my money. I was on call with BOFA. There werent able to help me reach a resolution. 
I made another deposit of {$740.00} for the remainder which went through. 

But Im still at a loss of XXXX and Im severely stressed as that was the only money I had to pay my bills.
Consumer complaint received 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC (IL)

NewRez will not give me my $ XXXX of Loss Claims to pay my contractor so the contractors put a lien on my property. My credit score was over XXXX now it is in XXXX. I also cant pay my contractors.The work on my home is completestill they wont release my funds nor will they return my call.
Consumer complaint received 2018-04-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (NY)

on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, A Delaware statutory trust filed a civil court summons and complaint against me. The amount is for {$24000.00} I went to court XX/XX/XXXX and their outsourced attorney did not have any documentation that i owed XXXX nor that they bought the debt from any other lender. He only had the application or loan agreement for a different lender, XXXX XXXX i believe, for {$15000.00} or less. The attorney suggested I call XXXX and try to negotiate directly with them and another court date was set for XX/XX/XXXX. XXXX has not responded to any if my attempts to reach them. I understand they have a history of bringing lawsuits illegally against consumers, please advise what i can do to see if I am one of those situations. Thank you