davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Name : XXXX Account Name XXXX XXXX XXXX Account Name : XXXX XXXX
Consumer complaint received 2019-02-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

We were asked to send a wire transfer to pay some freight charges. We made the transaction at the bank. About one hour later we received a call from the bank stating the transaction had the characteristics of a fraudulent one.I asked the officer from the bank to cancel it. He told me it will cost {$20.00} and we respond to go ahead and cancel it. This transaction was for {$10000.00}. It was made on XX/XX/2018.We filed a claim but they just gave us a brochure with recommendations to made if we thought we were a fraud victim.
Consumer complaint received 2019-04-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

We are currently trying to refinance our mortgages. We just found out that Bank of America shows that our acct is charged off ( Acct # XXXX ) We had fell behind, a while ago, but set up payment arrangements with them, and the ACH our payments out each month. We have never received any info on a " charge off '' and currently paying them each month. We also show them still on our title, and they have a lien on our property still.
Consumer complaint received 2024-05-30
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. (NY)

I've recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-05-06
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: Experian Information Solutions Inc. (CA)

I am writing to dispute the reporting of a late payment on my credit report for this account : XXXX XXXX 

I have contacted the bank regarding this late payment, and they have approved updating the account to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a third party credit agency opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. Account opened at XXXX XXXX XXXX on XX/XX/XXXX the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-05-06
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. (CA)

I am writing to dispute the reporting of a late payment on my credit report for this account : XXXX XXXX 

I have contacted the bank regarding this late payment, and they have approved updating the account to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes.
Consumer complaint received 2024-05-06
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: Experian Information Solutions Inc. (FL)

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX FRADULENT ACCOUNT XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX  CFPB XXXX XXXX
Consumer complaint received 2019-04-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

on XXXX-19 Bank Of America took {$30.00} from me ( withdrawal ) fee because I took money out of my account I'm very upset with there policies and I would like my money back. I don't understand How can I be charged a fee for taking MY MONEY out.
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NJ)

I dont know why this is on my credit I dont know what this is I tried to reach out to them According to FRCA section 605B it is illegal to report information on my credit report without my permission please remove this off my credit report thank you
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Personal Finance Center (GU)

XXXX complaint already filed. I XXXX XXXX and my Wife had loan under my Wife 's name XXXX XXXX. I discovered that I and my Wife unable to loan because of our identity theft filed at Personal Finance Center, This company affects all our major credit report at the 3 credit Berue. XXXX XXXX XXXX. as Well as other financial Institution. I already filed complaint at the XXXX XXXX XXXX XXXX and I believe they settled this case outside court as Well as the credit Berue. so sent to Administrative of the XXXX XXXX XXXX XXXX XXXX, XXXX Washington DC XXXX you can send more detail to the Court or the FTC for identity theft. I also have problem With XXXX XXXX, he is a employee at CFPB for helping people changed my name to other person 's name With other Financial Institution such XXXX XXXX XXXX  In XXXX XXXX XXXX. I have discovered 2 of the person are employees at the XXXX Protection AG office her on XXXX. and I discovered XXXX XXXX transfer my money in to her name. and XXXX XXXX XXXX both used faked name here on CFPB.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Recently, I've conducted an investigation on my credit report and have come to encounter numerous discrepancies and inaccuracies. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Timely payments are a certainty for me. However, I find it puzzling why this company occasionally marks certain months as late, which doesn't align with my records. According to USC 1666b, any billing discrepancies should be promptly corrected and reflected accurately.
Consumer complaint received 2024-05-06
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. (OH)

My privacy is my right. Anyone who gave you this information is not following the law under 5 USC 1681 ( a ) ( 4 ) and you do not have the right to report this on my credit report. 

Unauthorized reporting in Experian : Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Unauthorized reporting in XXXX Bankruptcy XXXX XXXX XXXX U.S. Bankruptcy Court
Consumer complaint received 2018-03-03
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: Experian Information Solutions Inc. (CA)

On Friday XX/XX/2018 I reviewed credit report and notice several inquiries that should not have been on my report. I then call agency and was told that they would remove inquiries, buy the never did.
Consumer complaint received 2024-05-06
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. (OH)

This information has been disputed to Experian and XXXX. However, this report is still showing the information inaccurately. This is a direct violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) Reporting Experian : XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. Under 15 U.S. Code 1681i ( 5 ) ( B ) Requirements relating to reinsertion of previously deleted material XXXX XXXX XXXX Account Number : XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate, it list the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

5. Under 15 U.S. Code 1681i ( 5 ) ( B ) Requirements relating to reinsertion of previously deleted material XXXX XXXX XXXX  Account Number : XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate, it list the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
6. Under 15 U.S. Code 1681i ( 5 ) ( B ) Requirements relating to reinsertion of previously deleted material XXXX XXXX Account Number : XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate, it list the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 

Reporting in TransUnion : 1. Under 15 U.S. Code 1681i ( 5 ) ( B ) Requirements relating to reinsertion of previously deleted material XXXX XXXX XXXX Account Number : XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate, it list the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Consumer complaint received 2024-05-06
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. (NY)

In accordance with the Fair Credit Reporting XXXX, XXXX CARD, 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 an account without my written instructions.
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PR)

Account from XXXX XXXX. 
The whole account Balance of {$360.00} for XXXX XXXX was paid in person, was paid in full and in cash, back on XX/XX/2018after the customer service representative in the store denied taking my payment because I was using a Debit Card with a Visa Logo and had a chip. 
They did not gave Me a received Because it couldn't print but later that day I did received proof of payment by e-mail from XXXX XXXX. After a week the payment was never posted to the account, so I requested an investigation. After weeks in some of the Credit Bureaus it was update that the account was paid in full. But an about two months later I received a letter stating that they couldn't find the payment so they reverse all charges. Not only that they reduce my credit line from {$8000.00} down to {$500.00} dollars they also closed the account. 
Now they ( XXXX XXXX ) is reporting the account every month to Credit Agencies being late and are charging every month late fees.
Consumer complaint received 2024-09-05
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. (MA)

In accordance to 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 XXXX XXXX  XX/XX/XXXX Account name : XXXX XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Account name XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX  XX/XX/XXXX Account name : XXXX XXXX XXXX  XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX  XX/XX/XXXX Account name XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX  XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Account name : XXXXXXXX XXXX  XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name XXXX XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX  XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXXXXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/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 an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.