davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

At XXXX I received a call from XXXX. At XXXX I received a second call from XXXX with someone claiming to be XXXX XXXX XXXX Bank of America XXXX XXXX. He stated that there were several fraudulent transfers to someone with XXXX. I was instructed to create an account so that we could dispute the transfers. I did so then was told that we needed to input the amounts of the transfers so that BOA could dispute the transfers. Because the phone number EXACTLY matched the phone number on the back of my cards I complied. 

I then redialed the number and talked to BOA XXXX department and they informed me that their phone number had been spoofed and that my money is now gone. 

There MUST be something in place to prevent these things from happening. If XXXX doesn't have anything then they are XXXX in the theft and fraud. I do not accept the excuse from XXXX that there is nothing that can be done. They are 100 % complicit because they choose to be. 

It also should not be up to customers to decide which phone numbers are legitimate or not. The number that came up is Bank of America 's number, the same number on the back of my cards. There is NO WAY for a customer to know if a number has been " spoofed '' or not. Bank of America can claim that they will " never '' ask for information, but they do. They ask for it all the time. They send emails to customers with links to click that ask you to input potentially sensitive information. 

This is a clear violation of Regulation XXXX of the Electronic Fund Transfer Act and XXXX needs to be held accountable.
Consumer complaint received 2023-08-29
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. (GA)

I HAVE SEVERAL INQUIRIES LISTED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. I REACHED OUT TO THE FOLLOWING COMPANIES WHO SUBMITTED THESE HARD INQUIRIES AND RECEIVED NO RESPONSE WITHIN 60 DAYS. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I'm a member of BJ 's wholesale club and have My Bj 's park credit card issued by the Comenity Capital Bank card number XXXX. 
A number of times I used this card not too much and I do the payment by auto pay connected with my checking account. 
On the last payment I became surprised when an amount of {$140.00} has collected from my checking account. Then I checked from very beginning of the date I started using the card and found in total i used the card {$560.00} but they collected {$660.00} from my checking account. In the middle I became default to pay because my checking account was hacked and to protect my account I stopped the checking account for a few days what I have inform them.You could see the statement here. So my request to you please check my paper and do the necessary to get the overpayment refund.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2023-12-18
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX Balance Owed : {$3400.00}
Consumer complaint received 2024-06-14
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, "
Consumer complaint received 2023-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

My loans were discharged in XXXX under the XXXX XXXX dispute. The Department of Ed sent me a confirmation letter that confirmed that those loans were 100 % forgiven and provided me with intruction to consolidate in order to finalize the forgiveness. 

I consolidated the loans with Nelnet. I have called numerous times regarding the loan group forgiveness for over a year and with each call, I receive the standard prompt from each representative claiming they dont have any idea what is going on with my loan. 

In XX/XX/XXXX, I called and spoke to a supervisor names XXXX who confirmed that Nelnet DID receive confirmation from Department of Ed to proceed with cancelling the loans on XX/XX/XXXX. She stated that it would be escalated to their " claims '' department. 

I followed up a few times after that call for subsequent representatives stating " they dont know what is happening with the loan. '' On XX/XX/XXXX, after being on hold for almost 2 hours, I called and spoke to another supervisor who promised me a call back because he confirmed that the loans should have already been processed. The supervisor stated he would give me a call on Monday, XX/XX/XXXX with an update. The call never came. 

On XX/XX/XXXX, I called about my loan. I was transferred to the " Solutions Department '' and spoke to XXXX, who rudely informed me that " he couldnt do anything about my loan he is just there to answer calls that want to be transferred '' as he proceeded to yawn on the phone. 

I waited another hour to be escalated to another supervisor by the name of XXXX who stated that he does not see any information on my account that my loans were to be forgiven and refused to assist any further. 

Nelnet has been provided with the letter from XXXX by the Department of Education confirming the forgivenss and were instructed by the Department on XXXX to proceed and are failing to do so.
Consumer complaint received 2024-08-06
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. (GA)

I am writing to dispute the following information in my credit report. I am a natural person and a living individual, entitled to rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681. It has come to my attention that XXXX, Transunion and XXXX are governed by this statute, has violated my rights multiple times. 
The account in question is : XXXX XXXX  XXXX Account # XXXX This account is not mine, and the creditor has failed to verify it as belonging to me. I sent a letter requesting validation of this debt on XX/XX/year>. To date, XXXX Bank has not provided a response or the original contract with my original signature. This lack of response is a clear violation of my rights under the FCRA. 
According to 15 U.S.C. 1681, I have the right to privacy. I did not provide XXXX, XXXX, and Transunion with written permission to furnish this account, and therefore, they have no right to report it. Furthermore, XXXX, XXXX, and Transunion are falsely reporting a charge-off associated with this account, which is entirely inaccurate. The information provided by XXXX. XXXX, and Transunion is both false and misleading. 
By reporting this false information, XXXX XXXX, and Transunion has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Additionally, XXXX XXXX  , as the data furnisher, has also violated my rights under 15 U.S.C. 1681s-2 ( A ) ( 1 ), which prohibits furnishing information if they know or have reasonable cause to believe the information is inaccurate. 
I demand that the erroneous information be removed from my credit report immediately, as required by law. Please provide written confirmation that these items have been deleted or, if you decide to verify them, provide the name, address, and telephone number of the party that verified the information. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2023-09-21
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. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-13
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: Experian Information Solutions Inc. (TX)

I reported that this account was opened fraudulently. I set a copy of a XXXX report and neither company took it seriously or into consideration. On my XXXX report, there is a duplicate account on my report. The account reporting is incomplete and this is a fraudulent account. Living in a college town such as XXXX after the pandemic left many people XXXX. XXXX and younger adults would do anything including miss using someone's information.
Consumer complaint received 2023-09-21
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. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Dear XXXX XXXX XXXX, XXXX, AL, Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus for payments made on XX/XX/XXXX & XXXX, XXXX. 

It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. 

I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. 

I would like to request that this current payment information be updated and furnished to all three credit bureaus immediately. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX Account # XXXX
Consumer complaint received 2023-12-18
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. (NC)

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2021-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (FL)

XXXX Stated on XXXX  XX/XX/2021. A guy saids its pass the XXXX and my payment was returned by them on XX/XX/2021. I want the information deleted and a copy of the time barred letter promise. No letter still.
Consumer complaint received 2023-12-18
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2023-12-18
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed 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
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Dispute of Late Payment on Credit Report Dear XXXX I am writing to dispute a late payment reported on my credit report. I believe this late payment reporting is inaccurate and requests a thorough investigation in accordance with the Fair Credit Reporting Act ( FCRA ). 

Under Section 611 of the FCRA, I am entitled to dispute any incomplete or inaccurate information in my credit report and request that it be corrected or removed if it can not be verified. 

The specifics of my dispute are as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX  I believe this late payment is a mistake due to [ explain your reason - e.g., payment was made on time, there was an error in the creditor 's system. 

These lenders have accessed your credit file without my permission and I request they be deleted. 

XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  In accordance with the FCRA, I kindly request that you investigate this matter with the creditor and provide me with the following : Verification of the late payment, including the date and amount. 
A description of the procedure used to determine the accuracy and completeness of the information. 
If the information is found to be inaccurate, I request that it be removed or corrected immediately. 
I understand that under the FCRA, you are required to complete this investigation within 30 days of receipt of this letter. I expect to receive a response from your office regarding this matter as soon as possible. 

Thank you for your attention to this matter. Please send me a written confirmation of the receipt of this letter and the results of your investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-05
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: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-08
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. (CA)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 2024-06-13
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. 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.