davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I am formally lodging a complaint against EXPERIAN for the inaccurate reporting of a bankruptcy on my credit report, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). Below, I detail the relevant statutes and stipulate the necessary corrective actions : 1. Inaccurate Bankruptcy Reporting : EXPERIAN has erroneously listed a bankruptcy on my credit report, which is patently inaccurate and baseless. This misrepresentation critically impacts my financial standing and violates my rights under FCRA provisions.

2. Violation of Privacy Rights Under FCRA : Per 15 U.S. Code 1681 ( 4 ), it is stipulated that as a consumer, I have an unequivocal right to privacy concerning my credit information. By disseminating incorrect bankruptcy information, EXPERIAN is in blatant breach o
f this statutory protection.

3. Lack of Permissible Purpose as Mandated by FCRA : As defined under 15 U.S. Code 1681b ( a ) ( 2 ), any consumer reporting agency is mandated to have a legitimate permissible purpose to disclose consumer credit information. The unlawful inclusion of inaccurate bankruptcy information without due diligence and accurate verification flouts compliance with this regulatory requirement.

4. Insufficient Reinvestigation Process : Despite my previous disputes regarding this incorrect information, EXPERIAN has defended its erroneous reporting without conducting a thorough and meaningful reinvestigation as required under 15 U.S. Code 1681 ( a ). The failure to correct this inaccuracy reflects a systemic disregard for compliance with FCRA mandates.

The inaccurate and unfounded reporting of bankruptcy by EXPERIAN is not merely an administrative oversight but a significant violation of the FCRA. The continuation of such discrepancies undermines my right to accurate and fair credit reporting, I implore the CFPB to prioritise this complaint, enforce compliance with FCRA standards, and ensure the swift rectification of my credit report. 

Thank you for your prompt attention and action regarding this grave matter. I eagerly await your response and resolution. 

SINCERELY, XXXX XXXX XXXX XXXX
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: Affirm Holdings, Inc (MD)

I am writing to file a formal complaint regarding the accuracy, compliance, and reportability of a listing on my credit report. The information provided by this credit bureau lacks validation through associated accounts on file. I challenge the veracity of this listing and request immediate validation. Specifically, I request copies of any documentation associated with this account bearing my signature. In the absence of such documentation, I formally request the removal of this information from the credit file associated with my Social Security number. Please see attached documents for these items I am complaining.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion, XXXX have a collection agency for XXXX XXXXXXXX XXXX XXXXXXXX Original balance {$150.00} Status Unpaid Account number XXXX Agency number XXXX Original creditor XXXX XXXXXXXX XXXX Date assigned XX/XX/year> This is not my bill will left the apartment during Covid and received housing and utilitilty relief. XXXX XXXX XXXX XXXX XXXX XXXX, IL
Consumer complaint received 2024-05-17
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. (TX)

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 2024-05-18
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)

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 2024-05-31
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year> i filed a claim in which Bank of America had claimed they had to split it into XXXX different claim numbers ending in XXXX ( {$510.00} ), XXXX ( {$11000.00} ). The following day XX/XX/year> claim ending in XXXX for the amount of {$11000.00} had been denied. On XX/XX/year> i was notified by mail that Bank of America was going to issue a temporary credit for claim ending in XXXX for the amount of {$510.00} while they research my claim. how can they deny my claim for {$11000.00} and avoid Regulation XXXX but yet issue a temporary credit for my claim for {$510.00}? when keep in mind this was supposed to be XXXX claim that was filed on XX/XX/year> but Bank of America said they had to split it into XXXX different claims. i dont understand how they came up with their conclusion. When i requested the documents they relied on, all they sent me was copies of the denial letters they sent me in the mail which included all transactions posted to the account in which i was not responsible for nor did i have any knowledge of what was going on. please help in making this right as Bank of America is not following regulation XXXX nor is it taking the proper steps in researching my claim.
Consumer complaint received 2024-05-30
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: WELLS FARGO & COMPANY (NY)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Reporting To The Credit Bureaus To Whom It May Concern : I received a copy of my credit report about the bankruptcy below.

{ account_number } I was told from all 3 credit reporting agencies that you all report Bankruptcy to the 3 credit reporting agencies Experian.XXXX, and XXXX. If so that is a private matter Especially if you didn't report it. Any account thats reporting on a consumer credit report must list the agency who is furnishing the account and list your name as reporting it to the credit reporting agencies. Can you please reach out to me and let me know if this is true please. As I know that forgery of your name onto my credit report if you didnt report it directly as the furnisher. 
Thank you for your time and help in this matter. 

Sincerely, _____________________________________ XXXX XXXX
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: LEXISNEXIS (MD)

This consumer reporting agency is not following reasonable procedures to assure maximum possible accuracy of information concerning the individual to whom the report relates. 

My rights to privacy is being violated in that consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy.
Consumer complaint received 2024-05-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (AZ)

I was in between jobs and tried to stop the automatic payments, but they don't allow the customer to change any settings on the website. Last month, 2 payments came out of my account. My account is overdrawn and trying to catch up. They call my phone and hang up like weekly. It's stressful.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (VT)

I received a collection from Midland credit. Upon receipt, I requested a debt verification, with no response. I subsequently certified mailed a total of 3 requests for debt verification, one which was refused by Midland Credit and returned to me. I did not receive a debt verification response for any of my requests. The debt appeared on my credit report, I disputed it, but it continues to appear on my credit despite Midland Credit not complying with federal credit law to verify debt.
Consumer complaint received 2024-03-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Capital one and other credit companies ran my credit without my permission and when I reached out to the company they stated it will fall off in a few years. Also I have different credit score also I havent lived in XXXX Tennessee please help me solve the issues.
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

On XX/XX/XXXX I received a notice from Portfolio Recovery Associates , LLC stating that they were trying to collect debt owed to XXXX XXXX. My wife contacted them trying to get this resolved. The amount of debt was {$1600.00}. After my wife had been on the phone for over XXXX hours she finally found out that the account number on statement was not mine. The address they had for statement had been going to an address XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. The account ending XXXX was not my credit card number. I closed my account ending XXXX in XXXX. I filled out forms that was sent to me with the information requested to prove that this was fraud. I just received notice dated XX/XX/XXXX that after they had reviewed the documents related to the account and establish its validity. My wife called them again and they suggested to fill out this form and go from there. I don't know how else to prove that this is fraud other than I have lived in XXXX XXXX XXXX for over XXXX years.
Consumer complaint received 2024-05-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MO)

I have already filed a complaint against Wells Fargo. Their claim number is XXXX. I got a letter from Well Fargo dated XX/XX/XXXX denying my fraud claim. So they lied to me and you about taking 10 days to investigate the claim. Since I filed my intial claim with you on XX/XX/XXXX. I have been in contact with them after the XXXX and they just kept saying they had 10 business days to make their decision when they actually already had. The scammers were able to access my mobile app account and sign me up for XXXX and steal {$8200.00}. The scammers knew my number, what bank i used and my debit card info which the card was a new debit card and i hadn't even set up all my auto pay accounts yet. I was never enrolled in XXXX and told my bank to restrict all access to XXXX. The very next day the scammers were able to enroll me again in XXXX. I caught it, not Wells Fargo. I had to frantically call Wells Fargo to close the XXXX account before they could steal anymore money. I have a paper trail of all this since the emails came directly from Wells Fargo.
Consumer complaint received 2024-06-05
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. (GA)

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.
Consumer complaint received 2023-11-07
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)

On XX/XX/, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-05-20
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. (MI)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (IL)

JPMorgan Chase Bank is reporting the wrong mailing and residential address to the credit bureaus and other entities. Consequently, my mail, packages, credit card information and credit cards are getting sent to the wrong address. I reported the issue with my address to the company last year. I was told it would be taken care of, but nothing was done. A few months ago, I filed a claim with XXXX asking them to remove the address from my credit report. According to XXXX, Chase keeps reporting the address as correct, so XXXX will not remove it. I spoke with someone again at Chase this morning XXXX about this issue. He stated he would change the address in the system, but this is the same thing I was told last year and nothing was done. As a result, I don't trust that this issue will get rectified without outside help. With my mail, packages, credit card information and credit cards being sent to the wrong address Chase 's negligence in not correcting my address is putting me at greater risk for fraud, if it hasn't already happened. Additionally, I have filed claims with USPS and I also filed a police report thinking that I was the victim of fraud.
Consumer complaint received 2023-11-07
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)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-05-29
Product: Credit 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: SYNCHRONY FINANCIAL (CA)

In XX/XX/year>2024, despite my account being closed during this time, an unauthorized charge for {$2600.00} was posted to my XXXX Home account.On XXXX XXXX, 2024, XXXX approved my fraud claim I had submitted for that same amount. Prior to the unauthorized charge, my balance was {$0.00}. To this day, they are trying to charge me {$2600.00}. As of today, my balance is {$2300.00}. I should not have this balance and I have documentation to prove it. I will be taking them to court. XXXX is ridiculous.
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 — Account status incorrect
Company: BARCLAYS BANK DELAWARE (UT)

I have not opened a XXXX XXXX account with Barclay and when charges were fraudulently charged to when they claim is my account, I promptly contacted them on multiple accusation both online, webform and via phone. I was sent a letter from Barclay dated XXXX XX/XX/2022 determining I am not responsible for the charges. 

Barclay even sent me check for fees charged as a result of the error they made. Barclay is now is ending statements adding late fees, all sorts of bogus fees and inappropriately and incorrectly reporting inaccurate and false information the three credit reporting agencies. They continue to send me letters stating that a review of my supposed account needs to be checked and when I do call they claim it will be taken cared of, yet they continue to falsely report the balance to the reporting agencies. I have and can provide copies of these letters.

This isn't the first time Barclay has engaged in this same activity attempting to scam customers into paying false and inaccurate amount, as I have them to the CFPB and XXXX. I have spoken with legal representative and will files a lawsuit against Barclay if they do not swiftly correct their intentional mistakes.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XXXX XXXX XXXX  closed my account in XXXX ever since I try to get the outstanding balance which is USD XXXX without any success. whenever I call their hotline they transfer me around. their support agents claim they create a ticket and then cut me off when they dont know what to do with the case. today the XXXX of XXXX I spend another 2 hours on their hotline being transferred around. one agent says they mail a new check, next agent says the balance is XXXX and cant tell where the money went. completely disorganized scammers just telling you stories and transferring you around without never ever giving you access to your funds. I need the authorities to look into this!