davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
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. (NV)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, 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.

and according to 15 USC 1681s-2 they are suppose to 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 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have excellent credit. I make sure my bills are paid in full or at least make payments for more than the minimum due. I do this to lower the amount of interest I pay overall. I make sure I check my card twice a month and adjust my own spreadsheet to reflect any outstanding balances I have along with how much I pay on each bill. This month I noticed that this Bank of America credit card payment changed without my consent. I had an auto payment set up for {$120.00}. My payment is due on the XXXX of every month. I checked on this card and had seen the my entire account balance was going to be paid via auto pay. I did not set that up. I canceled that payment and made a one time payment. Today, XX/XX/year>. I went into my account to set up Auto pay for what it use to be set up for. Although in the descriptions for the types of auto payments lists an Auto Pay method of : Fixed Payment Amount ''. However that was no longer an option for an auto payment. I called and spoke to XXXX from Nevada at Bank of America. She told me that they no longer the fixed amount choice, leaving only the minimum payment due or the entire statement balance. The reason she tried to give me was that because sometimes peoples minimum balance due goes up and if the card holder had a fixed payment selected then that payment may be smaller than the minimum due. Although this may be true, I feel the real reason is to ensure people can not pay their credit cards off early. I feel that Bank of America has done this to get more interest out of people. They very well could have made an option for a fixed amount and not allow that amount to be less than the minimum due. Just like the option for the entire statement balance has an option to not pay that amount if it is over a certain amount that the card holder can select. This is a totally predatory practice. My right to choose to make a higher payment than my minimum due via auto pay has been taken from me unless I set up a different payment option from my personal bank account.
Consumer complaint received 2023-04-19
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. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I requested to the primary cardholder to be removed as an authorized user on account. Cardholder made request to Capital One several times to remove me as an authorized user, however, Capital One continues to report account open on my credit report as open.
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (NJ)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: U.S. BANCORP (MA)

To whom it may concern. I have been reported by my credit company as 90-day late. With XXXX XXXX Account # XXXX XXXX XXXX XXXX I noticed on all 3 of my credit reports that this account has reported missed payments from XX/XX/XXXX to XX/XX/XXXX and closed as of XX/XX/XXXX. To my  knowledge my account was open and have been making payments. I was never notified in any form of my account being closed as I always go to the bank to personally and make payments. 

I have disputed this inaccuracy with the credit bureaus just to find out that XXXX XXXX is reporting everything incorrectly on credit reports. When I spoke with customer service I was notified that my account is on a " PERMANENT RESTRAINT '' and that only Collection department can remove it.
Consumer complaint received 2023-01-04
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. (SC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-05-23
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. (PA)

I recently reviewed my credit report and noticed two accounts that were not reporting accurately. one was XXXX for XX/XX/year> and the other was XXXX XXXX on XX/XX/year> that were in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. Both accounts have not been late on payments and I've attached a copy of my report to this complaint on the following dates, I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-11-18
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: EQUIFAX, INC. (CA)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-05-21
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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (CO)

I had purchased a car from XXXX XXXX in XXXX XXXXXXXX in XX/XX/XXXX. While purchasing the car I had given them a checking account number from XXXXXXXX XXXX that I no longer use by mistake and they proceeded to process the loan. 

The loan holder was Credit Acceptance Co ( Account number XXXX ) In XX/XX/XXXX the car was repossessed without my knowledge that I had missed any payments. I was not informed payments were being missed. The first notice I had received was dated XX/XX/XXXX, showing a late payment {$490.00} ( attached ) then another late notice sated XX/XX/XXXX, that showed that I owed {$12000.00} in late payments and fees ( see attached ) On XX/XX/XXXX, I recovered the car through Credit Acceptance Co by paying the past due amount {$750.00} ( one payment past due plus repo fee, see attached ) and am now in possession of the car, with renegotiated loan terms, rolling the additional late payments back into the loan.

Now that the car is no longer a repossession, I have reached out toe Credit Acceptance on numerous occasions to see if they could remove the repossession from my credit report. They have refused to do so. 

I was in the process of buying a home and with the repo on my credit report, I am no longer able to obtain financing because of the repo being on my report. I assumed by paying what I owed and retaining ownership of the car the repo could and would be removed from my report.
Consumer complaint received 2024-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: TRUIST FINANCIAL CORPORATION ()

I know from Financial Ombudsman Service that I have investments with Ishares in XXXX XXXX XXXX XXXX CA and XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX 
I made my letters several time with request for more information because I received many letters via my email XXXX about XXXX XXXX Forms XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX & XXXX. XXXX XXXX XXXX XXXX Form XXXX XXXX XXXX XXXX  XXXX Filer XXXX XXXX  issuer info XXXX File No XXXX XXXX XXXX Securies name XXXX XXXX XXXX XXXX Common XXXX XXXX XXXX Co XXXX NY XXXX Aggregate Market Vlue XXXX Number of shares of XXXX Unit XXXX XXXX XXXX Aproximate date sales XXXX XXXX XXXXXXXX XXXX XXXX 
My question is if I have had some shares with XXXX XXXX CA and XXXX XXXX if I have some accounts money, transactions and if these assets were made via XXXX XXXX XXXX XXXX Truist bank XXXX XXXX GA XXXX because I received letter and from XXXX XXXX for payment of Debts with XXXX XXXX If I have some investment accounts with Truist Bank XXXX and other kind of accounts. I am Bulgarian XXXX date of Born XXXX have records for many banks and Companies in XXXX and investments XXXX Financial Industry in XXXX XXXX beg XXXX to be check what had happened and if I have to receive some money if were made some transactions to XXXX in XXXX XXXX XXXX XXXX if XXXX have account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX about XXXX XXXX XXXX XXXX via XXXX XXXX for 99 years on XXXX became XXXX XXXX Funds XXXX XXXX XXXX XXXX Assets XXXX XXXX .gr and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX aboout XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I look for and XXXX Bank XXXX XXXX XXXX XXXX with same questions/ XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt Bond XXXX traded XXXX expired XXXX ; ISIN XXXX traded XX/XX/XXXX Expired XXXX total payment XXXX transferred to XXXX Transfer account XXXX Bank XXXX XXXX XXXX XXXX XXXX ISIN XXXX XXXX traded XXXX expired XXXX transferred to XXXX XXXX XXXX XXXX traded XXXX expired XXXX with total payment XXXX transfered to XXXX via XXXX XXXX XXXX XXXX XXXX account XXXX receiver person or institution was His or Them account in site in XXXX owner was in XXXX Common Stock with XXXX XXXX XXXX from XXXX XXXX XXXX XXXX FDIC XXXX renamed XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX wrote in site as XXXX XXXX XXXX XXXX XXXXame as XXXX XXXX XXXX traded XXXX expired XXXX with XXXX XXXX Bank transferred XXXX XXXX XXXX Complaint Department XXXX XXXX and XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX.If I have some transfers and Companies to XXXX Confederations with These Banks and Brokerage XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: EAST WEST BANK ()

To whom it may concern, I am writing to file a complaint against East West Bank 's XXXX banking service. Without any prior notification or explanation, my account with XXXX was closed. I have always maintained my account in good standing and have not been involved in any suspicious or unauthorized activities. 

I would like to highlight the following details : Date of Account Closure : XXXXXXXX  Account Type : Checking, Savings, etc. ] Actions Taken by Me : Upon discovering the closure, I attempted to contact XXXX XXXX customer service for clarification but received no clear explanation for the action taken against my account. 
I understand the importance of adhering to banking regulations and protocols. However, I believe that as a customer, I deserve transparency and communication regarding any significant changes to my account status. 

I kindly request the Consumer Financial Protection Bureau to intervene in this matter. My primary goal is to have my account with XXXX reinstated and to understand the reasons behind its closure. 

Thank you for your attention to this matter. I am hopeful for a prompt resolution. 

Sincerely,
Consumer complaint received 2018-05-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

This debt is reporting on my credit report twice under the XXXX XXXX XXXX & XXXX XXXX and this account has since been sold to another collection agency and Ive tried to dispute debt several times between the months of XX/XX/XXXX & XX/XX/XXXXand Ive gotten any results ... Ive ask them to validate the debt and they have failed to do so ...
Consumer complaint received 2024-04-25
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: CITIBANK, N.A. (NY)

About a month ago I realized there were fraudulent charges on my Macys account. I called Macys. They removed the charges and closed the card. They sent me a new card BUT charged me interest on those fraudulent charges ( which they assured me in a letter ( attached below ) they mailed to me they would NOT do ). I was also assured this would not get reported to the credit bureau. I didn't realize this so of course it was marked late. This was reported late and was reported to the credit bureau mid XXXX of this year. 

I called and told them this was wrong, and they removed the interest charge of XXXX and credited me back. Unfortunately, the negative mark on my credit report that MACYS has reported has not been removed. It caused a big drop in my score. I need this to be removed ASAP. I called Macys multiple times with no success. 

I also requested they give me a letter saying that they made a mistake, and this late payment should have never been reported. They haven't done this. I explained to them the importance of updating the report. 

I am currently getting mortgage for a house will not be able to if my score doesn't go up. I will lose the home I am trying to purchase. I understand it takes time to take things off my credit report, but Macys can at least give me a letter saying this was reported my mistake. I also disputed this MACYS late payment on all the credit bureaus. It was reported mid XXXX of this year. I need this negative mark off my credit report ASAP. Please if you could help I am desperate at this point.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries 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 2023-09-21
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. (NC)

I DO NOT APPLY FOR THIS INQUIRY XXXX XXXX XXXX XXXX  AND THESE ACCOUNTS, I DON'T KNOW WHERE THEY CAME FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX, I XXXX {$700.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX
Consumer complaint received 2023-08-30
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. (AZ)

I am formally request and I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand an immediate deletion and appropriate remedies as per the law. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX