davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NV)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

FCRA 605B mandates the removal of any erroneous accounts from my credit report. This account is incorrectly listed, so kindly remove it from my credit file. I am entitled to receive {$1000.00} for each incorrect report on my credit file.
Consumer complaint received 2024-06-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

XX/XX/XXXX I paid Bank of America in full {$650.00} via their app for my card ending in XXXX. XX/XX/XXXX I received statement balances from Bank of America in the mail showing my XX/XX/XXXX payment was applied to my previously close account ending in XXXX instead of my active account ending in XXXX. I called Bank of America to report this on XX/XX/XXXX. The first Bank of America agent I spoke with on XX/XX/XXXX requested a refund check by mailed to me. The second agent I spoke with on XX/XX/XXXX minutes later stated this was a known Bank of America App issue with their app showing past closed accounts on the consumers end. This second agent reported the first agent should have transferred the payment rather than refunding the payment. I informed the second agent I would have to wait until for the refund check to arrive in the mail14 days later to resubmit my payment. I was then called by Bank of America trying to collect on this debit on XX/XX/XXXX before a job interview at which time I asked not to be contacted again on this matter as it was a known issue I had already reported to them. I explained again to the Bank of America XXXX Collector that I was awaiting their refund check to arrive in the mail before I could pay them again for this known app error. I was contacted again by Bank of America on XX/XX/XXXX trying again to collect on this debit while I was at work as a direct patient facing nurse. I submitted a dispute letter in writing to Bank of America on XX/XX/XXXX. Additionally I received notification on XX/XX/XXXX that Bank of America is now reducing my credit line to {$800.00} due to this current and past delinquency.
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: EQUIFAX, INC. (TX)

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible.

XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-22
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: EQUIFAX, INC. (FL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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: EQUIFAX, INC. (PA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-22
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 2024-05-22
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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX reviewed notes and completed a CFPB complaint online every 15 days for 3 Credit Bureaus.

This is the follow up complaint for My information has been exposed in the Equifax data breach. im a victim of identity theft. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (CA)

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payment on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. Please update and correct the account stated below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accountsare 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2024-06-28
Product: Credit 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: DISCOVER BANK (FL)

XX/XX/XXXX XX/XX/XXXX PHONE PAYMENT - THANK YOU - {$9000.00} XX/XX/XXXX PHONE PAYMENT - THANK YOU - {$9000.00} XX/XX/XXXX XXXX XXXX XXXX CA - {$20.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX NV Services {$4500.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXX CA Services {$20.00} XX/XX/XXXX SQ XXXX XXXX XXXX OH Merchandise {$4500.00} XX/XX/XXXX XX/XX/XXXX PHONE PAYMENT - THANK YOU - {$16000.00} XX/XX/XXXX TRANSFER BALANCE Other/Miscellaneous {$18000.00} XX/XX/XXXX XX/XX/XXXX PHONE PAYMENT - THANK YOU - {$440.00} XX/XX/XXXX RETURNED PHONE PAYMENT {$16000.00} XX/XX/XXXX RETURNED PHONE PAYMENT {$440.00} XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$2500.00} XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$5000.00} XX/XX/XXXX RETURNED XXXX XXXX {$2500.00} XX/XX/XXXX RETURNED XXXX XXXX {$5000.00} XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$35.00} XX/XX/XXXX PHONE PAYMENT - THANK YOU - {$16000.00} XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$50.00} XX/XX/XXXX RETURNED XXXX XXXX {$35.00} XX/XX/XXXX RETURNED XXXX XXXX {$50.00} XX/XX/XXXX RETURNED PHONE PAYMENT {$16000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX CA Services {$82.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX CA Services {$6.00} XX/XX/XXXXXXXX XXXX XXXX XXXX CA Services {$6.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX CA Services {$6.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX CA Services {$82.00} XX/XX/XXXX XXXX. 
DATE PAYMENTS AND CREDITS AMOUNT FEES FOR THIS PERIOD AMOUNT INTEREST CHARGED FOR THIS PERIOD AMOUNT XXXX TOTALS YEAR-TO-DATE CHARGED AMOUNT CURRENT BILLING PERIOD : TYPE OF BALANCE XXXX XXXX XXXX EXPIRES BALANCE SUBJECT TO INTEREST RATE INTEREST CHARGE XX/XX/XXXX CASHBACK BONUS STATEMENT CREDIT - {$210.00} XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$16000.00} XX/XX/XXXX RETURNED INTERNET PMT {$16000.00} XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$200.00} XX/XX/XXXX TRANS. 
DATE PAYMENTS AND CREDITS AMOUNT INTEREST CHARGED FOR THIS PERIOD AMOUNT XXXX TOTALS YEAR-TO-DATE CHARGED AMOUNT CURRENT BILLING PERIOD : TYPE OF BALANCE XXXX XXXX XXXX EXPIRES BALANCE SUBJECT TO INTEREST RATE INTEREST CHARGE XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$340.00}
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

On XX/XX/XXXX & XXXX XXXX had XXXX dierent nard inquiries show up on my transunion and XXXX report. 
They are as follows : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (OK)

Pheonix Financial Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. When I told them this debt was paid at another collector previously in XXXX they said I could send proof via their email. The man I spoke to said they would put it into a dispute and refrain from adding it to my report. However, when I also requested a debt validation letter, they put it on my report anyways and still have not sent a debt validation letter. Then, the dates put on my credit report are incorrect and so was most of the information. Now, despite sending multiple items, it is still on my credit report.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have had a Venture One Visa card with Capital One for many years ( over a decade ). In the past few days I received a new credit card from them and it appears they switched it over to the MasterCard network without my explicit approval. After reaching out to them, I was made aware that I received an opt out option email on XX/XX/XXXX with the innocuous subject " Your credit card is getting an update '' which naturally went unread considering I receive multiple emails from Capital One each week. Practically speaking, I don't think I was provided with a meaningful communication to opt out considering they could have pushed a notification to my phone, given the email a more meaningful subject with a " Action potentially required : '' heading and a mention of Mastercard, or even called or texted to notify me of the significance of this change. 

During my discussion and escalation with Capital One, they insisted that it is completely impossible for them to switch me back to Visa. I'm leaving the country tomorrow and will be without a Visa card ( which is sometimes the only one accepted ) for the first time in my life. I now have multiple Mastercards which is not a situation I am happy with. To have to discard my Capital One Mastercard and apply for a new Visa card elsewhere will have at least a slightly negative impact on my credit score. That is not acceptable considering I applied for credit and signed an agreement to receive a Visa credit card with Capital One.
Consumer complaint received 2024-06-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (AR)

I was notified or given the option to select which repayment type I wanted with Mohela. I was under the impression that I qualified for the SAVE plan as 2 of my loans received approval on XX/XX/XXXX. However, I have been receiving conflicting information regarding re-payment. I have been placed on the graduate standard with payments due starting XX/XX/XXXX of XXXX which is over 20 % of my income. I am also to pay the SAVE plan payment on XX/XX/XXXX of XXXX. When speaking to a representative, I was told that my loans needed to be consolidated in order to re-apply for the IDR repayment plans. However, the lack of communication up until recently has been frustrating. Now I am left with confused as to how Mohela calculated XXXX and only recently on XX/XX/XXXX thought to send me the repayment schedule for payments starting XX/XX/XXXX for a payment plan ( Standard ) I did not select.
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

My credit card account with Capital One was closed, a balance of around {$5800.00} or more left on it, well over my credit limit in the amount of {$5000.00}. I do not have account number available to me at this time. Prior to this, I attempted in good faith to lower payment amounts/work out a payment arrangement. Capital One does not offer any hardship program, did not offer any kind at the time. There are several fraudulent charges on the account, I attempted to make these arrangements despite these charges. The live chat rep at the the time would not cooperate and stated to wait until a recent payment posts before making any kind of future arrangements, a prior CFPB complaint was made pertaining to this and against that rep in question. The account was later charged off due to failed attempts at lowering payments and resolution of fraud charges, account sent to an attorney here in Connecticut. The attorney was offered a settlement amount of which I do not recall, however, he did not accept it. On XX/XX/2018, a close out check in the amount of {$4200.00} was sent from Capital One via XXXX, intercepted by a third party and cashed in my name fraudulently. This amount represents the remaining balance in the Capital One 360 Checking account. I was in XXXX XXXX at the time check was left at my address, intercepted by third party and cashed. I did not receive any of the funds, numerous CFPB complaints made pertaining to this issue and unresolved, Capital One will not reissue check or investigate further, despite information I provided showing I did not receive funds. If Capital One will mark my credit card account as paid in full with a XXXX balance, I will consider this matter as resolved. If not, Capital One will not see any payment on account as again, there are fraudulent charges which were made on it and I am owed {$4200.00} for intercepted check. If they will accept this amount as payment in full, this will resolve both issues. Failing to accept this offer, Capital One will not see any payment on account and additional complaints filed in regard to intercepted check and funds owed to me. I believe this is a fair offer