davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
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 (DC)

According to the Fair Credit Act 15 USC 1681 section 602a states There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under the title. 15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and surely do not have my written consent. Any and all consent to XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) state that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given explanation of how the consumer can exercise that non disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my non disclosure option. Not only does 15 USC 1681C ( a ) ( 5 ) state Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e statesEvery consumer reporting agency shall maintain reasonable procedure designed to avoid violations of 15 USC 1681c if this title and to limit the furnishing of consumer reporting to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedure. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt-out at any time. I am opting out of your reporting service.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX this law firm XXXX and XXXX is in direct violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX number XXXX ) and has violated several of my rights. 

15 U.S.C section 602A .Clearly states I have the right to privacy 15 U.S.C section 604 A section 2 : it also states a consumer report can not an account without my written instructions 15 U.S.C exclusions state transactions can not be listed on consumer reports per XXXX report number XXXX prepared on XXXX XXXX for XXXX XXXX XXXX XXXX XXXX / XXXX and XXXX is listing type of loan note : unsecured : date opened XX/XX/XXXX : address id as XXXX : which is not my address credit limit or original amount of {$8900.00}. terms 60 months recent balance of XXXX balance wrong payment history from XX/XX/XXXX to XX/XX/XXXX. It also says loan modified if the loan was modified I would have to agree to terms that were never presented a modification not showing a payment history of XXXX XXXX XXXX XXXX 180 days past due in the comment section it says loan modified XX/XX/XXXX- XX/XX/XXXX all these are transaction records which is a violation please remove from credit report and provide updated information showing deletion on usc codes thank you also the previous response to my complaint XXXX XXXX and XXXX was they don't report XXXX the credit bureau that means i am a victim of fraud since this account i XXXX no longer being handled by XXXX XXXX XXXXl. The first payment of $ was XXXX directly from my XXXX XXXXXXXX checking acct on XX/XX/XXXX this company said I never made a payment last response they said they only received a payment on the XXXX of XXXX and the XXXX of XXXX inaccurate info. Payment dates are as XXXX {$250.00}, XX/XX/XXXX {$120.00}, XX/XX/XXXX {$240.00}, {$230.00}, XXXX XXXX {$250.00}, XXXX XXXX {$220.00}, XXXX XXXX $ XXXX XXXX {$200.00}, XX/XX/XXXX, XXXX. XX/XX/XXXX {$220.00}, XX/XX/XXXX, {$210.00}, XXXX XXXX {$230.00}, XXXX XXXX, {$220.00} XX/XX/XXXX {$230.00}, XX/XX/XXXX {$220.00} US CODE 1681 S-2 STATES YOU CAN NOT REPORT INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS. please delete it from my credit report XX/XX/XXXX {$230.00}, XXXX XXXX {$220.00}
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I hope this letter finds you well. I am contacting you to request updates and corrections to my personal information as currently listed in your records. The accuracy of this information is critical to me, and I appreciate your prompt attention to this matter. 

Please make the following updates to my personal profile : Address Update : Kindly update my residential address to the following : XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX Name Correction : Please correct my name to reflect the following accurately : XXXX XXXX Social Security Number Confirmation : For your records my sole social security number ends in:XXXX  Date of Birth Confirmation : My correct and only date of birth iXXXX XXXX XXXX  Telephone Contact Update : My current and only phone number is : XXXX Furthermore, I request the removal of all other addresses associated with my profile that are not deliverable by the U.S. Postal Service. These addresses are inaccuracies and, as such, should be deemed non-reportable under the Fair Credit Reporting Act ( FCRA ). Enclosed, please find copies of my driver 's license, Social Security card, and proof of residence to assist in verifying my identity and supporting the requested changes. I trust that these updates will be reflected promptly and accurately. Should you require any additional information or documentation, please do not hesitate to contact me directly.
Consumer complaint received 2024-04-29
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. (MS)

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  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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 2023-04-26
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. (NH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2024-04-29
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. (IL)

XX/XX/XXXX and XX/XX/XXXX I submitted a request for removal of an old installment account that is over XXXX XXXX XXXX in the amount of XXXX thru Equifax. Each time the account has nut been probably investigated.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name :. 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. 

Potentially XXXX XXXXPotentially negativeDate XXXX $ XXXX charged off. {$450.00} written off.XXXXotentially negativeDate XXXX $ XXXX. {$1600.00} written offXXXX XXXXPotentially negativeDate XXXX $ XXXX. {$100.00} past due as of XXXX XXXX XXXXPotentially negativeDate XXXX $ XXXX charged off. {$670.00} written off. {$670.00} past due as of XXXX XXXX XXXX XXXX negativeDate XXXX $ XXXX charged off. {$890.00} written off. {$890.00} past due as of XXXX XXXX XXXX XXXX negativeDate XXXX $ XXXX account. {$860.00} past due as of XXXX XXXX XXXX negativeDate XXXX $ XXXX XXXXPotentially negativeDate XXXX $ XXXX charged off. {$450.00} written off.XXXXPotentially negativeDate XXXX $ XXXX. {$1600.00} written offXXXX XXXXPotentially negativeDate XXXX $ XXXX. {$100.00} past due as of XXXX XXXX XXXXPotentially negativeDate XXXX $ XXXX charged off. {$670.00} written off. {$670.00} past due as of XXXX XXXX XXXX XXXX negativeDate XXXX $ XXXX charged off. $ XXXX account. $ XXXX XXXX XXXX XXXX XXXX $ XXXX account. {$860.00} past due as of XXXX XXXX XXXX inquiriesXXXXInquired XXXX record untilMay XXXX XXXX record XXXX XXXX XXXX record untilAug XXXX XXXX XXXXInquired XXXX record XXXX XXXX XXXX record untilAug XXXX XXXX XXXXInquired XXXX record XXXX XXXXXXXX XXXXInquired XXXX record untilAug XXXX XXXX XXXXInquired XXXX record XXXX XXXX XXXX record XXXX XXXX XXXX record untilJul XXXX XXXX
Consumer complaint received 2024-06-30
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Go Rascal Inc. (ME)

The broker we worked with, XXXX XXXX, repeatedly lied to me, the realtor XXXX XXXX, the title company XXXX and XXXX and the sellers and their realtor. She said on several occasions that paperwork was being sent or had been sent then hours, if not days later it was sent only for the first time. Not keeping in open communication when problems did arrise, like the moving of the closing date because paperwork had not been completed.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Duvera Billing Services, LLC (IL)

I had spoken with Duvera ( Easy Pay ) today. Their reason for not honoring my fraud dispute with police report, fraud affidavit, etc. was not sufficient enough. As a result, I settled the account to get it off my credit report. This dispute has gone on long enough. Im ready to put this behind me.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I obtained Bankruptcy relief from this account. The bankruptcy was finalized and this debt was successfully discharged in XXXX XXXX 
The XXXX credit report is reporting this account as a bad debt/collection with a current balance due of {$2400.00}. 
I called the company and also disputed through XXXX and they continue confirming the same information.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Subject : Urgent Address Regarding Violations of Federal Law - 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2 Dear Capital One Customer Service , I trust this letter finds you well, though it is with great concern that I bring to your attention potential severe violations of federal law codes, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2.

Upon careful examination, it appears that there may be issues related to compliance with federal law codes. Specifically, concerns arise under 15 U.S.C. 1666 ( b ), where it is crucial for creditors to adopt reasonable procedures for verifying the receipt of billing statements. The absence of a robust system to confirm whether I, as the consumer, am physically receiving paper statements or accessing electronic statements could constitute a direct infringement of this federal law.

Additionally, the matter of 15 U.S.C. 1611 ( 1 ) is of concern, as it explicitly prohibits the furnishing of false or inaccurate information. The lack of a reliable verification process concerning the receipt of billing statements raises questions about the accuracy of the information reported, especially regarding late payments. 

I want to highlight the gravity of these potential violations under 15 U.S. Code 1681n, which addresses willful non-compliance with federal law. Regardless of prior awareness, it is crucial to address any potential breaches of consumer rights.

Furthermore, attention is drawn to 15 U.S. Code 1681s-2, emphasizing that furnishers of information to consumer reporting agencies must provide accurate and complete information. Any failure to meet these obligations could compound the severity of any violations. 

In light of these concerns, I kindly request that you promptly review and address this matter. If any violations are found, I urge Capital One to take corrective action, including updating my account status to paid as agreed to rectify any potential adverse impact on my credit history. 

Ensuring that my credit report accurately reflects the payment history in accordance with the law is crucial. I trust that Capital One will consider this matter with the fairness and urgency it deserves. Your immediate attention to this request is of utmost importance, and I anticipate your cooperation in resolving this matter promptly.
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance withe the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (WA)

Just before a XXXX vacation, I logged into my Discover Bank high yield saving account that I set up for my son. I noticed that there had been a XXXX XXXX deposit, then the next day a {$150.00} and a {$120.00} withdrawal. The day after those withdrawals there was another one totaling {$8000.00}. These wire transfers or withdrawals went to XXXX XXXX in XXXX where they apparently charge {$500.00} per plate. This is a city I have never been to. XXXX has a website but will not answer phone calls, it is simply an automated message directing you to book on a website then disconnects. I am not convinced this restaurant exists. 
I called Discover and they closed that savings account and opened a new account and moved my remaining balance into the new account siting identity theft. Due to the new account being opened I no longer have access to the old account see where the money went. They then credited my new account with the amount of money that had been taken from me while they investigated. A few days later I got letters in the mail saying that the withdrawals were legitimate, and the money was moved into an account in my name and that I benefited from those transactions. I never moved money out, only deposits by myself and my wife each month. 
Since that time, I was a victim of an 'email bomb ' where my inbox was overloaded with spam and newsletter that I had apparently 'signed ' up for. I have also received two debit cards in the mail that I did not sign up for, a XXXX XXXX XXXX XXXX tied to XXXX in some way, and another from XXXX XXXX I called and closed both of those cards, and I am checking the mail every day expecting to see more.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (AL)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$7900.00} XXXX XXXX {$650.00} XXXX. XXXX XXXX {$3500.00}
Consumer complaint received 2024-04-29
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. (GA)

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 Account XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or a 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 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a complaint with the Bureau about BOA credit card services ( Case # XXXX ). I am writing to express my deep dissatisfaction and frustration regarding the handling of my recent claim by a BOA representative named XXXX. 

XXXX from BOA reached out to me regarding my claim, assuring me not to worry about the interests incurred during the investigation. However, to my dismay, I have been charged at least {$130.00} by BOA, and I am concerned about additional charges that may have accrued during this month. Despite my multiple attempts to contact BOA through emails and calls, I have not received any response. 

The involvement of the Bureau has, unfortunately, had a negative impact on my case. The interests incurred have not been addressed as promised by XXXX, and it seems that BOA is prioritizing support for the vendor that went bankrupt over a loyal customer of over 30 years. 

I urge you to thoroughly investigate this claim and take immediate action to reverse the interest charges. It is disheartening to see such a lack of responsiveness from BOA, especially when dealing with a matter that directly affects a long-standing customer. I request your prompt attention to this issue so that I can proceed with closing all my BOA accounts. 

I appreciate your immediate attention to this matter and look forward to a swift resolution.