davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
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. (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 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 and 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 2024-03-27
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. (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 : DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2023, I disputed credit report inaccuracies with several furnishers. Despite the FCRA, they didn't inform credit bureaus about my disputes. My updated credit reports still show the wrong information, impacting my credit score. 

On XX/XX/2023, I disputed federal student loan inaccuracies with DEPTEDXXXX, as I'm eligible for CARES Act relief. They wrongly reported late or missed payments, creating financial hardship and preventing me from buying a home. 

I request CFPB 's help in investigating these furnishers and XXXX for non-compliance with the FCRA and CARES Act, and to resolve these credit report issues.DEPTEDXXXX - XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic - Update to paid as agree and remove late payments from payment history. 

DEPTEDXXXX - XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic - Update to paid as agreed, never late. Remove the inaccurate late payment from my report. 

DEPTEDXXXX - XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic - Update to paid as agree and remove late payments from payment history. 

XXXX - XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy - Delete this account immediately XXXX - XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy- Please Remove This From My Credit Report Immediately XXXXXXXX XXXX - XXXX - Under 15 U.S.C 1681b Permissible Purposes Of Consumer Reports- Please delete this from my credit report immediately XXXX - XXXX - 15 U.S.C. Section 1681i Paragraph 5 Treatment of Inaccurate or Unverifiable Information. - Please delete immediately XXXX - XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy - Delete this account immediately XXXX - XXXX - Under 15 US CODE 1681s2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies ( a ) Duty Of Furnishers To Provide Accurate Information - Delete this account immediately. 

XXXX XXXX - XXXX - Under 15 US CODE 1681s2 Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies ( A ) Duty Of Furnishers To Provide Accurate Information. Payment Status Is Inaccurate. - Delete this account immediately. 

Incorrect Name - XXXXXXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, FL, XXXX
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My personal information was used without my permission to open a fraudulent account XXXX XXXX balance {$750.00} opened XX/XX/ account number XXXX and fraudulent inquiries XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX  using a fraudulent address of XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX . I have contacted the credit bureaus, consumer financial protection bureau, federal trade commission filing a ID theft affidavit and police department making offical complaints about the unauthorized activity. 

I am demanding the account XXXX XXXX balance {$750.00} opened XX/XX/XXXX  account number XXXX be blocked and removed from my credit report I am demanding the fraudulent inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/2021 be deleted I am demanding the fraudulent address be removed and blocked XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX .
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2023, I noticed three unauthorized charges on my Bank of America credit card : {$190.00}, {$190.00}, and {$50.00}, all associated with a XXXX XXXX in XXXX, NC. I have never been to North Carolina and did not authorize these transactions. I reported all three charges as fraudulent online and received immediate credit. 

However, on XX/XX/2023, I received a letter from Bank of America stating, " The merchant provided documentation confirming you received the merchandise or service, '' and subsequently, I was re-charged {$190.00} as an adjustment.
Consumer complaint received 2023-11-29
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: Experian Information Solutions Inc. (CA)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

On XX/XX/2023, I made a {$40000.00} payment to Aidvantage for my student loans. I received a payment confirmation email from Aidvantage shortly after which states " This email serves as confirmation of your payment ''. I noticed after several business days later that the money had not left my bank account. Out of concern, I checked the Aidvantage online platform inbox ( I did not receive e-mail notice from Aidvantage of this ) and noticed an a message of a " Payment Reversal '' from XX/XX/2023 saying my payment was rejected because my bank account was not found/located. I called Aidvantage support and was told my bank account was not found likely due to me putting in the wrong account/routing number when making the payment. I then asked if they could provide me with account and routing number which was used to verify this and they would not provide me with this information. I can see that the Aidvantage platform online has the information of my bank account provided by XXXX when I select an account to pay from, so I did not input the wrong account information when making the payment. By this point, the payment I intended to make has been deemed as a missed payment/deliquency and I have accrued all of the interest from the loans which were supposed to be fully payed off. 

I have also found several other complaints online of Aidvantage reversing payments multiple times claiming that account numbers where wrong when users claimed to have double checked all of the banking information causing them to accrue unwarranted interest.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (NY)

On XX/XX/2023 I took my XXXX XXXX XXXX son to the bank to withdraw some money. I came into the bank about 10 or 15 minutes after him. I walked up to the teller with him waiting. I said he has an account already with you it's a joint account with me My son said I closed that account. The teller said yes the joint account is closed. So I'm standing there in shock like huh..what..how. My son said he opened up another account. Okay fine but nobody told me I didn't have a checking account.So I said wait a minute M & T sent me a new card, and I didn't activate it and was going to call and ask why I have a new card. Nobody told me..at this point I'm confused. Why would they closed my account without notifying me. I asked the girl why would y'all do that without contacting me. She says.she don't know.. ( like she's just a bank teller. ) And before I found all that out I said I'm going to deposit {$25.00} into that account..then I ask her why did you send me a new card. She ask me did I activate it..I told her no because I was thinking something is weird and was coming in to see if it was from M & T Bank a real card. She says yes and I showed her my other M & T card I received earlier this year..so now I'm confused. She checked it and said oh this is linked to your savings account which I don't really use.And I asked her what is the new card you sent me for she said oh that card is a savings card too. Unbelievable why would I have two new savings card.Then she asked me oh do you want to open up a Checking..I told her No, I'm Done!.. And the office manager XXXX lady looks at me surprised and like the UT ole look. She heard me when I said so y'all closed my checking without me..no notifying me. They didn't notify me when the account was closed or nothing. My XXXX XXXX XXXX son came in opened up an account with a large personal injury check and all they seen was a large transaction for their bank. And whatever he says.. Okay sir. They threw me to the curb back stabbed me didn't say well your mom needs to sign to close this account. Or just took his name off the account and left me with my checking account. I'm so upset how they done that to me. I had plans to deposit a sum if money next month. Guess not! They disrespect me and let a XXXX ; year old just come in and close accounts without asking for the other party.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

XX/XX/23 a formal dispute letter was sent to experian to express my concern with a few items i deemed to be inaccurate. I have yet to receive any response or acknowledgement from them in regards to my dispute i wish to have these items correctly immediately.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo is reporting a closed account to third parties without my authorization, In accordance with the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, as the consumer, may have given said company whether written, verbal, or non-verbalper 15 USC 6802 to report my personal information to third parties such as credit reporting agencies like XXXX, XXXX, and XXXX.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (NY)

Navy Federal XXXX XXXX Currently On-time late payment XX/XX/2022 {$2500.00} Limit [ - Currently On-time ] Navy Federal XXXX XXXX XXXX XXXX {$8500.00} Limit [ Navy Federal XXXX - Currently Late ] To Whom It May Concern : I recently received a copy of my [ XXXX, XXXX, or XXXX XXXX credit report and identified transactions posted on my credit report related to my Navy Federal Credit Union accounts that appear to be in violation of federal laws governing consumer reports. 

Late Payments : XXXX. Navy Federal XXXX XXXX : Currently On-time, XX/XX/2022 {$2500.00} Limit XXXX. Navy Federal XXXX XXXX : Currently Late, {$8500.00} Limit Your company is in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX Compliance, constituting a reporting violation under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include : ( A ) Subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report ; On the dates reported transactions from both credit card accounts to my consumer report. Section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) explicitly states that transactions between the consumer and the person/corporation making the report are not to be included in consumer reports. Your reporting of this information to my consumer reports is a clear violation of XXXX compliance. 

I request the XXXX compliance disclosure regarding reporting transactions to a consumer reporting agency. 

The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is a clear violation of XXXX compliance. I demand the transactions reported on [ insert late payment date/s here ] to be deleted from my consumer reports immediately. 

I want to be clear that I am not asking for validation or verification. Do not respond with requests for validation, as it is not my intention to engage in such a process. 

Furthermore, under 15 USC 1666b ( a ) : ( a ) TIME TO MAKE PAYMENTS : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I insist that the above transactions be deleted from my consumer reports promptly. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-11-29
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. (TX)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads 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 accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-11-29
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. (TX)

XXXX XXXX  Owner account no. XXXX amount {$8900.00}, date opened XX/XX/XXXX, remove " Credit grantor received deed for collateral in lieu of foreclosure on a defaulted mortgage and late payment remarks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, remove Collection/Chargeoff placement for collection and negative Derogatory remarks from my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, amount {$880.00} date open XX/XX/XXXX, remove Derogatory collection remarks XXXX XXXX account no. XXXX amount {$3000.00} date opened XX/XX/XXXX, remove Collection/Chargeoff placement for collection and negative Derogatory remarks from my account, Charged off as bad debt Purchased by another lender. 

Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act Convergent Account # listed above, 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
Consumer complaint received 2023-11-29
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. (CT)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads 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 accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
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. (VA)

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 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (TX)

I was shopping for a new business credit card. I reached out to my current lenders before making a decision. I called CHASE, Spoke with four of their representatives, about the details, rewards, my options and to confirm the terms and conditions, before applying and receiving approval. After noticing that I was given more than one misleading statement, that influenced my decision on choosing the right card, I called and was directed to a supervisor. After informing the supervisor, I was hopeful that the matter could be resolved, or some type of resolution. The supervisor hung-up, while I was still talking, twice. The supervisor downplayed the entire situation, racially profiled and was very discriminatory, towards me.