davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
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. (NJ)

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. 

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is mandated to ensure that consumer reporting agencies conduct their duties with fairness, impartiality, and a respect for my right to privacy. As a consumer, I am entitled to safeguard my private information, as supported by 15 USC 6801, which emphasizes the obligation of financial institutions to uphold customer privacy and confidentiality. 

Pursuant to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies such as XXXX and Experian and XXXX are only permitted to furnish consumer reports with the explicit written instructions of the concerned consumer. However, I have not provided any such consent for them or any furnisher of information to credit agencies to share my information. The Accounts in question are 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 Furthermore, 15 USC 6802 ( b ) ( c ) stipulates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing the consumer about their right to opt out of such disclosures. However, I have not been given this option by the furnisher of information to credit agencies. 


Moreo

ver, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Yet, this account is being reported adversely without my consent, violating the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that information furnished to consumer reporting agencies must be accurate, while 15 U.S. Code 1681e req
uires consumer reporting agencies to maintain reasonable procedures to prevent violations of FCRA sections and to limit consumer report furnishing to permissible purposes. However, XXXX and Experian and XXXX are not adhering to these standards. 

Lastly, 12 CFR 1016.7 affirms the consumer 's right to opt out at any time. Therefore, I am choosing to exercise my right to opt out of your reporting services.
Consumer complaint received 2023-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I had disputed an account that was open fraudulent. It took more than 3 months. 
I call XXXX XXXX  to let them know that was a fraudulent account open. 
I have accepted responsibility for the charges any responsability because it was not me. 
Nothing was shipped to your address I have not participated in, or benefited from the purchase. 
I have never made payments to no account Since I did not open it. 

I have not received anything to be to be reviewed by them after my complaint of fraud. 
The signature on sales receipt it not mine permitted a third party to use/ open the account I didn't activated any account.
Consumer complaint received 2023-09-01
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. (PR)

In accordance with the Fair Credit Reporting act XXXX Acct # 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
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I know that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in regards of the reporting, inaccurate amount and dates are being reported
Consumer complaint received 2023-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANCO POPULAR DE PUERTO RICO (PR)

Credit Reporting and Unauthorize and Unnottifice Charges by " Banco Popular '' Lack of Transparent Communication : " Banco Popular '' charges a membership fee to all credit cardholders, but does not adequately notify customers of this charge. As a result, many cardholders are unaware of the fee and do not pay it. 

Unethical Reporting : Without prior notice to the customer or verification that the customer is aware of and agrees to the charge, " Banco Popular '' reports the unpaid fee to credit bureaus as an unpaid debt. This can be considered unauthorized credit reporting, as customers were not given sufficient information to consent to the charge.

Negative Credit Impact : This reporting affects the customer 's credit report and potentially lowers their credit score, causing long-term damage to their financial health. Customers are not given a chance to rectify the situation before it impacts their credit history. 

Absence of Remedial Measures : Unlike other financial institutions that provide customers with alerts or options to dispute unauthorized charges, " Banco Popular '' does not offer an easy method to contest or become aware of this membership fee before it becomes a problem. 

This practice could potentially be deemed unethical or even illegal depending on the jurisdiction and specific laws regarding financial practices and consumer protection. If you or anyone else is experiencing this, it would be advisable to consult legal experts or financial advisors for personalized advice on how to handle the situation.
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (WA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 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 2023-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These accounts were reported in my information and are not mine XXXXXXXX XXXX  XXXX {$2100.00} XXXX XXXX {$0.00}
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: VW Credit, Inc (PR)

I am writing in regards to a past account XXXX with VW Credit for a XXXX XXXX XXXX. I am requesting to have the late charge payments from XXXX to XX/XX/XXXX that shows up in my credit report, erased and for credit bureaus to be notified of this change after no due diligence from VW Credit to investigate the issue and correct it, in accordance to credit protection during COVID. 

The reason for this request is because at the time I was experiencing some severely difficult financial hardships as well as mental health issues, as explained to VW Credit at the time. I have evidence of letters sent to VW Credit and responses that led to no resolution. 

I managed to pay it off in full and continued making payments on time without any late payments after that. I asked to not be condemned and have my credit affected negatively during a difficult time. Before investigating my rights with a lawyer, VW DID NOT tell me that I could pay off the late balance to avoid repossession. They threatened to repossess the vehicle and charge off my account. I let them know I knew my rights and they let me pay off the late balance and full, restored my account in which I made no late payments until the remainder of my time with the vehicle. 

I would be greatly appreciative if you could help me with VW, who has been evasive in helping to remove late payments from XX/XX/XXXX to XX/XX/XXXX and report changes to credit bureaus. 

Please let me know if you have any questions. 

Best, XXXX XXXX XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-07-13
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. (GA)

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX ( debt buyer ) Account # XXXX, 15 U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's 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 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST NATIONAL BANK OF OMAHA (PR)

Hello, I was initially drawn to do banking with XXXX XXXX after learning about their high yield savings account and their " round up '' and " jars '' saving features for saving available through their application and provided with their spending account. I had no issues making an initial transfer of XXXX XXXX to the savings account and after my debit card arrived I decided to make the switch over to XXXX XXXX from my previous banking institution. I proceeded to update my billing information with subscriptions, loans and other bills that I have and I also updated my automatic deposit info from work. I also proceeded to transfer all of my funds ( XXXX ) from my checking account to XXXX XXXX and I also linked and transferred XXXX from my wife 's account to the savings, since we plan to consolidate our savings here. On Wednesday of last week ( XX/XX/XXXX ) an account restriction was placed on my checking account. When I tried to contact XXXX XXXX  via the live agent chat it was not available so I reached out to them via the only other means available, email. In response to my email I received and automated message stating that my account had been placed on a restriction and that it was likely due to having transferred funds from an external account which I did not own ( I'm assuming that would be my wife 's account which I linked through their application ). After I responded back to inquire about the approximate time it would take to remove the restriction, they replied back with the following automated message : Hi Thanks for reaching out! I'm going to transfer you to the correct team and someone over there will be able to help you out. They typically reply within 1-2 business days. You'll get a push notification and/or an email notifying you when they respond. 

Today is XX/XX/XXXX and I have yet to hear back from the " correct team '' which I'm assuming is their fraud department. I also sent follow up emails today to request an update to which I received the same automated response. I did call the number on their XXXX page which has an automated response and says they are only communicating via their chat ( which is no longer available ) and email. Today I also noticed that my transfers have been withdrawn from my previous bank account ( and wife 's ) but are still pending at XXXX XXXX  and I assume it is due to this restriction that they've placed. I've been forced to use credit while I wait and hope for a prompt resolution to this, but I'm afraid that will not be the case and soon I will start defaulting on payments to other institutions and become financially stalled due to this situation.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid 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: BANCO POPULAR DE PUERTO RICO (PR)

On XXXX  I opened a credit card with Banco Popular de Puerto Rico. Over time, I had to max-out the card to cover unexpected expenses. After it was maxed out, I only payed the minimum and never used it again. This year I am making arrangements to make more payments to the card and I notice a {$95.00} charge every month going back years. I called the bank and they told me it was an optional insurance and that I could cancel it. I told them I never agreed to any insurance on my credit card. The insurance company named XXXX says the bank opened the account on my behalf. $ XXXX  monthly for months on end that I never authorized. I did not even know of the insurance companys existance. I already made a letter to request the cancellation of said insurance policy but neither the bank or XXXX want to take responsibility for charging what sums up to be thousands of dollars without my authorization and against my will.
Consumer complaint received 2024-01-09
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: EQUIFAX, INC. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have been fighting this charge-off account that started with XXXX XXXX , However when I pull my EXPERIAN report , it states that XXXX XXXX have sold it to XXXX XXXX XXXX XXXX , so I sent a letter stating that I were unaware of this debit. to XXXX XXXX, I also filed an complaint with the CFPB, XXXX than responded stating " they were unable to verify an account '' After I got the response from XXXX XXXX I immediately went back to EXPERIAN to pull my report so I can highlight the account and send it back to them, since they could not find it I then discovered that experians report stated that the account was sold to XXXX XXXX like I stated before, HOWEVER the Address is still to XXXX XXXX and even the Phone number, Under the FCRA this is a violation of incorrect information being reported on my credit report So I called XXXX XXXX to get an account number and to see if they could find my account. 
They were still unable to find my account even after asking for my SSN But when I called XXXX XXXX they are able to find it with no problem.. 
This is a huge violation.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (PR)

I sent this letter to Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Consumer Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Re : Never applied the 0 % APR for 15 months on my account. 
Act # : XXXX Dear Capital One : Yesterday I received the replacement card ; I entered the app to activate the card when I noticed `that Capital One started to charge me interest on my account. One of the reasons I open this account was because I will Have for 15 months no interest rate.

I immediately called customer service but was not able to find my final agreement. She looked and looked but never found it. I told her that once you find it call me. After we ended the call I went over my pc and found the offer, not only that, you requalify me for this card and the offer was 15 months no APR % for 15 months also a bonus of {$200.00} I never receive it! 
Capital One has been charging me around {$1000.00} interest charges during this period as a mistake. Please investigate and return my money as a credit to the accountant. I dont need the cash just give me a credit over that money. If you have any questions regarding this matter, you can call me at XXXX. 
Sincerely, XXXX XXXX Today I called to follow up to the case and a supervisor told me that he have my agreement and send me the agreement that has nothing to do with the one that I have also I notice that the interest rate is not even the one that they offer last year, they are giving me picture of today 's or my account terms not the ones in XXXX when I apply.
Consumer complaint received 2024-04-11
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: Experian Information Solutions Inc. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-17
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (PR)

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Washington XXXX DC XXXX Dear members of the CFPB, My name is XXXX XXXX XXXX XXXX and I am writing to you to formally lodge a complaint against Bank of America ( BOA ). The reason for this complaint lies in a series of XXXX unauthorized and fraudulent charges on my credit card that BOA has refused to remove despite having followed the protocol for reporting unauthorized charges. These transactions all occurred on the same date, XX/XX/2023, and their amounts fluctuate between {$99.00} and {$99.00}, which I find highly suspicious. 

Please see attachment of the BOA Statement ( transaction date XX/XX/2023 ) The total of these fraudulent charges amounts to {$2400.00}. 

I contacted BOA and followed their protocol to report these unauthorized charges. However, during a follow-up call with BOA customer service today, I was informed that a letter was sent on XX/XX/XXXX denying the removal of these charges. I never received this letter. This decision is unacceptable and contradicts my consumer rights in cases of banking fraud. 
I hope that the CFPB can intervene in this matter to ensure that BOA assumes its responsibility and reimburses the fraudulent charges. I appreciate your attention to this complaint in advance and look forward to a favorable resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX box XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX