davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Ive disputed the validity of this debt. The company refuses to remove this debt although theyve provided no information for debt validation and/or debt verification. A collection company is also reporting this debt. The amounts are between this creditor and the collection company dont match and neither have been validated. This is a clear violation of 15 U.S.C. 1681 ]. ( a ). Account XXXX should be promptly removed to prevent further damages related to the FCRA violation. The information in incorrect. It hasnt been validated. This company and the collection company are report different information for the same account. This account has already been removed and block by XXXX.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (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 items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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 XXXX
Consumer complaint received 2023-07-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MI)

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 XXXX  XX/XX/2020 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 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. 
XXXX
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I had a mortgage with XXXX for many years. Payment was automatically withdrawn from my account every month. Nationstar Mortgage purchased my loan from previous lender and stopped withdrawing funds from my account in XX/XX/2016. 2 months later I got a certified letter in the mail stating that my loan is in default. I immediately called and paid outstanding balance and set up automatic withdrawal again through my checking account. 
Nationstar reported me and my wife to credit agencies as being late even though they promised not report since payments were not discontinued by us and balance was paid in full as soon as we received a letter. 
Since then we requested to have negative reporting removed numerous times but no action was taken by the bank.
Consumer complaint received 2023-12-19
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 (IL)

Per the FCRA, as a federally protected consumer, I opt out of any and all authorizations that I may have given you verbally or non-verbally, written or unwritten effective immediately and indefinitely per 15 USC 6802 ; a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Also per The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. The companies involved are XXXX XXXX XXXX Capital One Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX and Capital One.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NJ)

I am writing to formally complain about ongoing issues with inaccurate banking information appearing on my consumer report provided by Early Warning Services ( EWS ). I have been a victim of identity theft which has severely impacted my financial integrity and capability. 

The report inaccurately lists multiple banking accounts and transactions that were not initiated by me. These errors have made it impossible for me to open new bank accounts with any institution, as EWS reports are critically considered in the banking sector. My efforts to dispute these inaccuracies directly with EWS have been persistently unproductive and exceedingly slow. 

Moreover, due to the shared services between EWS and Zelle, I am also unable to use Zelle for transactions, further restricting my financial options. It appears that EWS has a monopolistic impact on my ability to conduct ordinary financial operations, which is unfair and unjust. 

I have already initiated legal counsel to address these issues ; however, immediate intervention by your agency is crucial to prevent further damage to my financial life and reputation. I urgently request the CFPB to : 1. Investigate the inaccurate entries reported by EWS.

2. Facilitate the swift removal of all erroneous information from my report.

3. Examine the monopolistic practices affecting my ability to use banking services, as these practices are not only detrimental to me but potentially to other consumers as well. 

Enclosed are copies of my correspondence with EWS, documentation supporting my identity theft claim, and other relevant personal information. I appreciate your prompt attention to this serious matter and look forward to your assistance in resolving these issues that are critical to my financial future.
Consumer complaint received 2024-05-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I have a {$100.00} AMEX gift card. Tried using it at several shops and online stores, adding it to my XXXX XXXX, adding to XXXX, etc., none of it worked. Called multiple customer services phones, no solutions.
Consumer complaint received 2023-12-19
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: CREDIT ACCEPTANCE CORPORATION (PA)

I am writing to formally dispute inaccurate information on my credit report provided by Credit Acceptance and reported to XXXX and XXXX. The discrepancy involves the reporting of my first late payment, which Credit Acceptance asserts occurred in XX/XX/XXXX. However, I have concrete evidence that my initial late payment was in XXXX XXXX 
This misinformation has adversely affected my credit standing, and I believe it is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to Section 611 of the FCRA, consumers are entitled to accurate and up-to-date information in their credit reports. Moreover, Section 611 ( a ) ( 1 ) ( A ) stipulates that inaccurate information must be promptly corrected or deleted. 
I have attached documentation clearly demonstrating that the first late payment occurred in XXXX XXXX XXXX XXXX XXXX. As per Section 611 ( a ) ( 7 ) of the FCRA, I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, considering the evidence provided.

Furthermore, I assert that Credit Acceptance has misled the credit reporting agencies, and their failure to rectify this inaccuracy constitutes a violation of the FCRA. Section 611 ( a ) ( 5 ) ( A ) ( i ) emphasizes the obligation of credit reporting agencies to conduct a reasonable reinvestigation upon receiving a consumer dispute. It appears that such an investigation has not been adequately performed in my case. 
In light of the evidence and the apparent violation of my rights, I request the following actions : * Immediate removal of the complete account information from my credit reports with XXXX and XXXX. 
* A comprehensive and diligent investigation into Credit Acceptance 's reporting practices to ensure compliance with the FCRA. 
* Assurance that Credit Acceptance rectifies any inaccuracies promptly to prevent further harm to my credit standing. 
I appreciate your prompt attention to this matter and your assistance in resolving this dispute. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources (NY)

I receive this collection on XX/XX/2018, saying that I owed a phone debt in North Carolina ( XXXX XXXX XXXX ) of {$580.00}. Because I am a victim of identity theft, criminals use their own phone and address to receive information, therefore, I haven't received any phone calls or mail saying that I owe this debt.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/23 my online Capital One QuicksilverOne card application was approved with a {$300.00} limit & annual fee. The day after I successfully set up online login, Capital One stated I wasn't me & demanded I upload my gov't issued identification for verification, which I did not do. As my data was previously approved by this company, this clearly demonstrated data mishandling. On XX/XX/23 I contacted the company at XXXX to close account, & confirmation letter was promised. Today, XX/XX/23 I received email stating my card ending in XXXX has been mailed. After today 's follow-up call, I was informed the fraud department is now handling an account this company refuses to close, which now appears as an attempt to steal my data & charge annual fee.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I signed up for the Hilton XXXX credit card understanding that there would be a {$200.00} statement credit every 6 months to be used at a XXXX resort property. In very small font on their Terms and Conditions page, it said any properties listed under XXXXhiltonXXXX  would be available to use for the {$200.00} statement credit. I chose a property on that list on XX/XX/2024. However, the statement credit never arrived, and I waited XXXX weeks to follow up since they said it takes up to XXXX weeks for the statement to arrive. I reached out to American Express, and the agent from American Express let me know that the website is actually something different : XXXX XXXX XXXX.hiltonXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  and unfortunately, the property I stayed at does not qualify. The agent then said I should be able to use my credit. However, the credit expires next month and I have no plans to travel next month. The incorrect website was listed under the Terms & Conditions, and I believe this is misleading and false information presented to the consumer.
Consumer complaint received 2023-12-19
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. (CA)

Account number # XXXX XXXX XXXX account number # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681 Section 604a section 2 it also states a Consumer reporting agency can not Furnish an account without my written Instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My credit report is showing inaccurate information that is concerning me. The inaccuracies with my name and address are causing verification issues and affecting my ability to get credit. This is a violation and I demand these errors be corrected by you
Consumer complaint received 2016-04-11
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: NAM National Arbitration and Mediation (CO)

We received a call from the ADR-Group, XXXX, they claimed we committed fraud when we took out a payday loan in XXXX 2014. This loan was charged off in a Bankruptcy at the beginning of this year. They claimed they were sending the fraud case to the XXXX, we call them and they told us they would not act on anything without sending it in writing. The company was terribly aggressive for a loan that was charged off. The XXXX office told us they had several calls on this topic today.
Consumer complaint received 2023-12-20
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX XXXX XXXX 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 a account without my written instruction. 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 2024-05-13
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

In connection with a dispute with Bestbuy over a purchased product that was not delivered in box ( which case we just won in court ). I spoke with someone over the phone who claimed to be a Bestbuy customer service representative ; however, the individual was not a representative from Bestbuy.

The individual used our account information to make charges totaling {$400.00}, which we did not authorize. This is a case of digital identity theft. We have photos of the alerts to our phones regarding this fraudulent charge, a confirmation photo ( email ) from XXXX who helped us regain control to our XXXX XXXX XXXX and a copy of a filed police report. 

Citi Bank via a Bestbuy letterhead did not provide us with a detailed account of their internal investigation. We would like Citi Bank to reimburse the {$400.00} to us.
Consumer complaint received 2023-07-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (IN)

XX/XX/XXXX - Placed order XX/XX/XXXX with XXXX XXXX XXXX  using XXXX at check out. 
Purchase Total XXXX XX/XX/XXXX - Received Product the week of XX/XX/XXXX Product was not as described Called XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX CA, XXXX, XXXX to request a refund and return the product I was given permission via phone to return the product Informed XXXX  online that product was being reurned XX/XX/XXXX - XXXX XXXX XXXX received product and accepted reurn via XXXX XX/XX/XXXX and ongoing : Harrassed from XXXX for payment for a product that I have returned. XXXX placed account into collections. Informed XXXX and credit bureaus that item has been returned. Shown proof of return product with XXXX. Have made attempts with all parties to rectify the problem. Despite showing proof of refund all companies continue to fraudently state that money is still owed and continue to slander my name. 

XXXX Truth in Lending Disclosure ( Contract ) states that all returned goods proceeds goes directly to the loan holder on my behalf
Consumer complaint received 2024-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MD)

Scam on XXXX. Person hacked account of friend and tried selling a couch. I sent {$210.00} to them through Zelle. Zelle can not do anything and neither can my bank. Person blocked me after the money was sent, and definitely did not send a couch.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

I received a letter from Bank of America that said " we detected suspicious activity on your credit card and as a precaution we've temporarily suspended your account ''. I had applied for the card but had not received it. In the letter they asked that I call them asap. I called XXXX on XX/XX/. I spoke to XXXX who asked for my name and account number. I could only give her the last four digits of the account number as that was all that was noted in the letter I received. She then asked me for my social security number which I gave her only to be told that she could not verify my identity over the phone ... .after she had my SS #. I was told that I had to bring 2 pieces of ID to a B of A branch in order to gain access to the account. I explained that I live on the XXXX XXXX of Hawaii and that there are no bank branches on the island. I offered to send in the ID via e-mail or fax but this was unacceptable. Then I asked her to close the account which she said she could not do. 
I asked to speak to a supervisor and got the same story. She then sent me to a completely wrong department who could do nothing either and did not know where to send my call accept back to the first department I spoke with. I had now been on the phone for 40 minutes ... ... much of it spent holding. 
This is unacceptable from a financial, security and privacy stand point. Now someone at Bank of America has my social security number, access to my credit card account and knows my name and address. I so appreciate your assistance with this troubling matter.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

RESISTANCE WITH GETTING INFO REMOVED/UPDATED Transunion credit report My Name : XXXX XXXX ( ONLY ) NOT XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( ONLY ) 12 addresses listed Phone # : XXXX ( ONLY ) 11 # s LISTED 2 SOL/DEBT BARRED DEBTS LISTED : XXXX XXXX XXXX XXXX BE REMOVED XXXXXXXX  XXXX XXXX {$690.00}. TO BE REMOVED XXXXXXXX  AND ANY INQ DATED XXXX... 


THANK YOU IN ADVANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX