davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My government XXXX  card was never delivered to me. They said that I received it and activated it and booked a cruise and an XXXX purchase totaling {$3900.00}. I filed a police report, asked them to dispute the charges, asked them to research the charges and they completely stonewalled me. They said they had proof that it was me that activated the card and sent me a print out of the transactions as proof. I was in the hospital XXXX XXXX during the time the card was supposed to be delivered to me. The charges were made on the stolen card XX/XX/23. I submitted a claim on XX/XX/23 when I realized that the card should have been delivered and it wasnt. I found out about the charges when I called to inquire about where the card was. It has now been months and they require me to fax all the information to them and when I do, all I get is a denied claim response. This is very wrong and stealing from a new mother.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Dear Consumer Financial Protection Bureau, I am writing to urgently request your assistance in addressing a critical issue regarding inaccurate information on my credit report provided by XXXX, a violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e and 1681i of Title 15 of the United States Code ( 15 U.S.C. 1681e, 1681i ). 

XXXX has furnished incorrect and misleading information regarding XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO, XXXX, on my consumer credit report. This erroneous information is damaging to my creditworthiness and financial reputation, thus contravening my rights under the FCRA. 

As per the provisions outlined in the FCRA, credit reporting agencies are mandated to promptly remove inaccurate information from consumer credit reports upon notification of such inaccuracies. Therefore, I respectfully request that you intervene and instruct XXXX to remove the inaccurate information pertaining to Medical Collections from my credit report immediately, in accordance with the guidelines set forth in sections 1681e and 1681i of Title 15 of the United States Code. 

Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-26
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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I called on XX/XX/23 to see what Capital 1 could do to help me with my payment. I explained I was injured and missed some work but could catch my loan up this month. I was told by the rep I talked to that he would submit a deferral and as long as I made payment by XX/XX/23 that I would not have any late payments in my history or a hit to my credit. I made the payment on XX/XX/23 as I was told and did everything asked of me. They still reported me as 30 days past due. I have called twice to get this resolved and was told that there is nothing they can do. I asked for a supervisor who could help me and the first time the rep tried to reach someone he flat out told me that they are refusing to take the call. Finally got to someone who was supposed to be a supervisor and she also told me there was nothing she could do and the department who deals with credit reports does not have phones. She said the only way to even being the process of filing a complaint was foto her to mail me a letter with instructions. I did what was asked of me based on what the initial rep told me and Capital 1 did not hold up their end of the deal. The rep lied to me and has probably done so to several other customers with no corrective action or consequences
Consumer complaint received 2024-04-26
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX XXXX  XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: M&T BANK CORPORATION (PA)

My credit report was pulled and I have over 10 inquires without my authorization or knowledge. I have contacted experian to dispute the validity of the inquires that were not made by me and to provide me with documentation that I authorized this credit inquiry. XXXX responded back on XX/XX/18 stating by federal law my personal credit report must list all organizations that have requested my credit history when I wrote them to dispute I did not authorize my credit to be pulled and to show me a signed application.
Consumer complaint received 2022-11-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is a message from a consumer, natural person. Im going to give you a little detail of the ending of the relationship between myself and The Bank of America. Ive been a long term account holder of this financial institution. Until BOA took action in collecting debt on a ( vehicle ) without aduaquate notice nor an interest in payment resolutions. So Bank of America repossess the vehicle ( collects the debt ) around XXXX of 2022. Then five to six months later BOA takes actions to collect debt once again so suddenly and without any notice. This particular time they garnished my checking account for over {$1700.00}. Which is way more than 20 % of my weekly pay gross. Ive reached out to BANK OF AMERICA 's collection department on multiple occasions via phone and mail to explained my case and they responded with intentions of receiving more payment in the future.They stated that the money was applied to the loan token out on the vehicle. I explained that I no longer has possession of the vehicle so Bank of America not only violated my consumer rights multiple times but they also violated a few other TILA laws and ECOA laws.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error nor is it being made bya third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and cardused my personal identifying information to apply for goods, services, or money ; and, wassuccessful in creating some account. I have no knowledge of this and all is beinginvestigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumerreports I never gave any written consent to report anything on my consumer reports... noconsent is fraud. Please delete the account below from my report : XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$6100.00}
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (GA)

I was trying to withdrawal money from my checking account which would have left me with XXXX XXXX dollars in my account. And the bank would not give me all the money I was asking for this was Friday of XX/XX/XXXX and they told me if I came back Monday XX/XX/XXXX they may or may not give me my money then. I was asking for {$8000.00} and they gave me {$4000.00} but as it is XXXX this is not a great amount of money to have on hand for their a costumer. The world now of days is working in billions of dollars and this is such a small amount of money. I don't know how it works are what is expected of a bank but I would think this small amount should be available. Can a bank not at least guarantee to provide money the next business day for {$4000.00}?
Consumer complaint received 2023-08-04
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$18000.00}
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MD)

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. 
XXXX, TX XXXX XXXX XXXX XXXX  {$1000.00} Date Opened ; XX/XX/year> This is not me ; I have no knowledge of this account. this is fraudulent and should not be on my credit report.
Consumer complaint received 2024-04-26
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. (HI)

I am writing to file a formal complaint against Experian regarding the unauthorized reappearance of an account on my credit report, which was previously blocked under the provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B due to identity theft.

The account in question, [ XXXX XXXX XXXX XXXX ], was initially identified as fraudulent and subsequently blocked from appearing on my credit report in accordance with FCRA 605B. However, to my dismay, Experian has allowed this account to be reported back onto my credit report without providing any notification or explanation, as well as failing to furnish me with requested documents regarding this matter.

Despite my repeated requests for information and documentation regarding the reappearance of this account, Experian has failed to provide any satisfactory response. I have not been informed of the basis on which this account has been reinstated, nor have I been provided with any evidence verifying its accuracy or legitimacy. This lack of transparency and communication from Experian is deeply concerning and has further exacerbated the distress caused by this situation. 

Furthermore, it is important to note that the creditor associated with this account has been unable to verify the information they reported to Experian, casting doubt on the accuracy and validity of the account. Despite this, Experian has allowed the account to remain on my credit report, thereby negatively impacting my creditworthiness and financial standing.
Consumer complaint received 2024-04-29
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 It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2023-12-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

Hello, On XX/XX/XXXX, I received an email from Jefferson Capital Systems , LLC stating that I owe XXXX {$1300.00} as of XX/XX/XXXX. The JCS Reference number is XXXX. 
This will be my third complaint that I have filed regarding this false charge. The first complaint was directly to XXXX ( CFPB claim number XXXX ), my second complaint was to XXXX XXXX XXXX ( CFPB claim number XXXX ), the debt collectors contracted by XXXX 
If possible, please refer to the above listed CFPB complaint numbers to get the background on the " case ...? ''
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My XXXX XXXX account should NEVER have been reported late, in the year of XXXX. The Lender did NOT include my apartment number on my bills. After disputing these late payments multiple times with no success, I reached out to the XXXX of XXXX XXXX, explaining my issues. 

After further investigation, the XXXX had agreed that the two 30-days late charges payments were no fault of mine. They realized that they were at fault, so I was issued a refund check for all the months that I was charged a late fee. 

According to the Lender, they had submitted an AUD form to Equifax, XXXX, XXXX, and XXXX, requesting that they update late payments for XXXX and XX/XX/2018. 

Equifax is the only Credit Bureau that has NOT updated the TWO late payments thats being reported. I had uploaded all the documents that the Lender sent me when I disputed the late payments again, but still had no luck with Equifax updating the two late payments. The other Bureaus updated the reporting without any issues.

I have attached the following : Lenders letter apologizing for missing and/or delayed bills.

Lenders letter # 1 sent to Bureaus. 
Lenders AUD form that was sent to the Bureaus. 

Thank You!
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2023-06-22
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

I have already disputed these items, but the bureaus did not remove them, nor prove validation.

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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three 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 accounts 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 XXXXXXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX XXXX Credit Line : {$300.00} Balance ; {$1200.00} Opened : XX/XX/2017 This is not me ; I have no knowledge of this account. this is fraudulent and should not be on my credit report.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Urgent Request for Correction of Past Due Payment Reporting and correct the payment notification portal I am writing to bring to your attention a critical issue regarding the reporting of past due payments on the Huntington Bank credit card online portal. As a new customer with an impeccable credit history, I was surprised to discover that the portal failed to accurately reflect a past due payment for XXXX. Instead, the system rolled the overdue amount into the current balance without notifying me of the outstanding payment. 

This Huntington system reporting error has resulted in my account being marked as 30 days past due, negatively impacting my credit report. I would appreciate your assistance rectify this error immediately by removing the 30-day past due payment that was inaccurately reported to the credit bureau XXXX