davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

First, I have two questions.

Do your call centers ever get supervised by your head office? 

Also, kindly confirm me if bullying, harassing and treating customers like trash is part of your company policy. If it is, you don't have to read further. 

I have two credit cards- Quicksilver and Savor One, using them for few months now. 

Few days ago, I lost my Quicksilver card, your bank mailed a new card to my po box . Yesterday, I had to close my po box . So, today, I called your bank and spoke with a female supervisor asking her to expedite the card to my home address instead. She tells me that is not possible because it is a brand-new account and the card is coming with a welcome kit. How is this a brand-new account and why would you send me a welcome kit, considering the fact that the card was opened many months ago and has been used on a regular basis. I asked her to look into it deeper, she started giving me attitude and came strong at me. I asked her to not show me her attitude to which she claimed that apparently, I have been giving her attitude from the beginning of the call. Now here is the thing, I have a good tolerance level, having said that I know where to draw the line, and that's exactly what I appropriately did after that in that call. Of course, the call didn't go anywhere after that.

I called again and spoke with a different supervisor ( female ). I told her what happened in the previous call and told her to lodge a complaint against the previous supervisor. I then asked her to expedite the Quicksilver card to my home address. She said that the welcome kit and brand-new account info given to me in the previous call was all wrong. She then confirmed that she had expedited the Quicksilver card to my home address. Little did I know, behind the scenes she was prepping to mess up my other card. 

Then I go to buy grocery and I see my Savor One card does not work. I then see an email which states that the Savor One card has been closed and a new Savor One card is in the process of being mailed. May I ask WHY!? I never reported my Savor One card to be lost, then WHY!? Now, I am left with no credit cards on me.

Just FYI, there are lot of people in America looking for work and those people will do a very good job because they need the money badly to pay their bills, and these are the kind of people you have hired in your call centers, these people take their jobs for granted.

I am not even getting in to all the dispute lodging conversations and concerns I had during the last two weeks otherwise this will get lengthier. Right now, I need my credit cards first.

Please EXPEDITE both my cards to my home address.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX trans union and XXXX are disingenuous Additionally, XXXX entrepreneurs ' credit requests are three times less likely to be approved than white entrepreneurs. These statistics underscore the persistent economic disparities. However, entities like XXXX, TransUnion, and XXXX are disingenuous in their practices. Despite having a FICO score of XXXX, XXXX still required more information from me, such as my Social Security number and pay stubs. This kind of behavior undermines trust and adds unnecessary hurdles for individuals who are already facing economic disparities. It highlights a systemic issue of racism within the credit industry, where algorithmic biases can perpetuate discrimination against marginalized groups like Hispanics. And that's what they're doing : lying.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank Of America Corporation must furnish accurate information to consumer reporting agencies regarding Account XXXX. This inaccurate reporting has significantly harmed my character, reputation, overall well-being, and ability to access credit for personal and household needs. This inaccurate reporting has directly impacted my XXXX. 

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, it is explicitly stated that furnishers of information must provide accurate information. Specifically, this duty prohibits reporting information that the furnisher knows or has reasonable cause to believe is inaccurate. Furthermore, if a consumer notifies the furnisher of specific inaccuracies and such inaccuracies are confirmed, the furnisher is prohibited from reporting said information. 

As per the XXXX XXXX XXXX XXXX XXXX XXXX guidelines, even if a Form XXXX is not received, the canceled debt must be reported as gross income on tax returns. Therefore, the classification of a charge-off as income is in direct contrast to its reporting as a debt. 

As a furnisher of information to consumer reporting agencies, Bank Of America Corporation is subject to the provisions outlined in 15 U.S. Code 1681s2. This Account can not be reported as a charge-off on my consumer report.
Consumer complaint received 2024-06-08
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. (TX)

XXXX XXXX  Account Number - XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: VYSTAR CREDIT UNION (FL)

Unfortunately after many failed attempts at getting the fraudulent credit card removed from my credit reports. After sending FTC and Police Report you have failed to resolve this matter as this has put your institution in violation of the FCRA 605B. I am filing this last complaint with CFPB prior to my legal team filing for damages in Federal Court next week. You refuse to do anything to resolve this issue as the victim of fraud and identity theft. My ex partner had unauthorized access to my information opening accounts and even going as far as making payments on them with bank accounts in my name. When he left me in XXXX everything came to light about the matter.
Consumer complaint received 2024-06-07
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: FinCo Services Inc DBA Current (MO)

The problem I've been having is I've had to dispute the credit card company current XXXX times with XXXX over my account statement 's not being updated each month. i called current and they keep telling me that they did report my information and its XXXX fault my credit score dropped XXXX points and XXXX isn't updating the information. Then i called XXXX to dispute and the information comes back as accurate. so i have to file another claim through XXXX and this time they added the other months to my credit report and now XXXX weeks later everything is deleted off my report and only show the month of XXXX. They will not include XXXX, XXXX, XXXX, or XXXX even after disputing calling and complaining to XXXX and Current. I Cant apply for new cards to help build my credit I'm trying to move but not after a XXXX point drop on my credit for no reason of false information. They report the balance from XXXX for each month afterwards is fraudulent i need help
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I was offered a settlement amount on my account in which I paid full. I requested that the company update the account ti paid and delete the account from my credit report. They refuse to do so even after the money had been taken from my account. I disputed the incorrect information on my account and instead of deleting it they added several late payments to the account and are now stating I am past due over XXXX dollars which is the remaining amount they said I would not be responsible for. As a consumer this is hurting my credit profile and they are doing this intentionally. I want this account removed from my report immediately
Consumer complaint received 2024-06-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My identity was stolen last year XX/XX/XXXX. The thieves used my social Security number to purchase two brand new XXXX XXXX XXXX in XXXX. They also used my SS # to get car insurance and rent an apartment at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX. When I contacted the apartment complex and spoke to property management they advised me to contact XXXX XXXX at XXXX and they verified that someone did use my SS # on XX/XX/XXXX to rent an apartment. They gave me application ID # XXXX. The thieves stopped paying for the apartment on XX/XX/XXXX which then created unpaid balance and was sent to collections. I saw a charge in my credit report for XXXX for the amount of {$12000.00} as of XX/XX/XXXX. This is not me. I live in XXXX and not in XXXX. I did submit to all credit bureaus police report from last year when we found out about the stolen vehicles. I have disputed the charge with credit bureaus regarding the apartment. I don't know how else they used my SS # but my number is frozen from all credit bureaus.
Consumer complaint received 2024-05-22
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: Experian Information Solutions Inc. (GA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

I checked my bank account this morning and it said I have an overdraft fee of - {$7.00}. I called and they said someone had put a check into my account on XX/XX/XXXX, which has no correlation to me at all. They also said I had withdrawn that amount of money, I didnt deposit nor withdraw the money from this. I have no recognition of this check and this is the 2nd time this has happened with Chase Banking.
Consumer complaint received 2024-05-22
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. (MS)

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 informationisinaccurate.
Consumer complaint received 2024-09-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NC)

And XXXX maybe XXXX. XXXX I received correspondence to the mail from Wells Fargo and somehow my XXXX XXXX unless you maybe do the paperwork in the trash or something nice call me back could they return it they was reference what copies of it or it was reference to the mortgage just wants to something that was added to my account and said I'm going to say it wasn't current but severa years l ago. This document was to inform me of a possible error in an induction for mortgage insurance once I believe and and I also received paperwork asking me that I want to immediate a mediation appointment. I need this copy of this letter since I have lost mine and so that I mean attached appropriate response to these questions
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

15 U.S. code $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Consumer complaint received 2024-05-23
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: EQUIFAX, INC. (FL)

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 2 out of 3 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.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT WAS DEEMED UNVERIFIABLE AND REMOVED FROM MY CONSUMER REPORT. I PULLED A COPY OF MY REPORT AND NOTICED THE ACCOUNTS BACK LISTED UNDER FCRA 15 USC 1681I ( 2 ) A, I WAS SUPPOSED TO RECEIVE A WRITTEN NOTICE WITHIN 5 BUSINESS DAY BEFORE REINSERTING ACCOUNTS TO MY PROFILE I DID NOT RECEIVE ANY CORRESPONDENCE VIA MAIL I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I recently reviewed my credit report and noticed inaccurate inquiries. According to the Fair Credit Report Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These inquiries : 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 are not accurate . Also, according to 15 USC 1681s-2, 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. Additionally, 12 CFR 1006.34 ( c ) ( 4 ) ( l ), Have not been given a chance to dispute account.
Consumer complaint received 2024-05-23
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: EQUIFAX, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I've learned that the creditor didn't provide the necessary XXXX 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 2024-05-22
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. (GA)

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

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  XXXX Account XXXX has violated my rights XXXX Or a list of inquiries : 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 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XXXX XXXX account is identity theft and a report was filed and has been disputed to XXXX XXXX XXXXXXXX XXXX  and the XXXX refused to investigate. 

Account is fraud on credit file
Consumer complaint received 2024-05-22
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. (IL)

In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

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 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 items of information, other than records of convictions of crimes which antidotes 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.