davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
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. (FL)

I am writing to file a formal complaint against XXXX BANK XXXX regarding the illegal reporting of a charge-off, which is considered a certificate of indebtedness and income under IRS Publication XXXX. This erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, causing significant financial and emotional distress. The charge-off, considered income per IRS Publication XXXX, should not be included in consumer reports, as explicitly mandated by federal regulations. 

However, XXXX BANK XXXX has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. The erroneous reporting persists despite my attempts to rectify this issue directly with XXXX BANK XXXX by disputing the inaccurate information on my consumer report. This continued misreporting has substantially hindered my access to credit and financial opportunities. 

Furthermore, XXXX BANK XXXX XXXX actions violate several federal statutes, including : 1. Violation of FCRA Sections 1681 ( a ) and 1681 ( b ) : XXXX BANK XXXX 's illegal reporting of inaccurate information without my explicit consent contradicts the FCRA, impairing the efficiency of the banking system and undermining public confidence essential to its functioning. 2. Violation of FCRA Section 6802 : XXXX BANK XXXX reported information without my consent, breaching my opt-out rights and failing to disclose clearly and conspicuously that such information could be disclosed to third parties. 

This continuous inaccurate reporting has resulted in substantial financial damages and emotional stress. Moreover, it directly contravenes federal laws to protect consumer privacy and ensure fair and accurate credit reporting. I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX BANK XXXX for their egregious violations of federal statutes. 

Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional distress caused by their actions. Enclosed are supporting documents detailing the inaccurate reporting and relevant federal statutes for your review and consideration. Thank you for your attention to this matter. I eagerly await your prompt response and resolution.
Consumer complaint received 2023-12-12
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

my wallet and cell s stolen my accounts hacked and the took all my pandemic money i filed claim mad police report and claim was denied the bank a year latter ut it up for review and approved three claims and now they denied two claims that where filed the same day bank of america employey that filed my claims wrote claims wrong there where duplicates and they still filed them never giving me the option to fix the mistakes insteed they processed them and let them get denied the ifromation they used to deny my claims is the same they ussed to approve three they went over the time limets and never offerd pervisinol credit insteed they say i atherized the charges that aint true i got locked out my accounts
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I was added as an authorized user many years ago to my sisters XXXX thank you preferred card ( acct ending XXXX ) when doing a home remodel project. When I refinanced my home in XX/XX/XXXXXXXX  I called to be removed because a high balance was being reported. I was informed I was removed as an authorized user and the acct would be deleted from my credit file. When I applied for a mortgage on a new home in XX/XX/XXXXXXXX  I was informed that the acct was still on my credit. Both my sister and I called to ensure I was removed again, they informed me I was removed and said they would mail a letter to confirm. We never received a letter. While applying for a HELOC last month XX/XX/XXXXXXXX  my credit report now has derogatory information from this acct as it has since gone delinquent and been charged off. On Thursday XX/XX/XXXX I was told I would need to have the primary account owner call and remove me and it would be removed. My sister, XXXX XXXX, whose account it is called and they said I was removed and would send a letter as confirmation. Today, as part of the closing on my heloc, a 3rd party company called with me on the line to confirm I was removed and have no liability to this account and was informed I was not removed and can not be removed because the accts now closed. Ive disputed with the credit bureaus but it has yet to be completely deleted from my credit profile.
Consumer complaint received 2023-12-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MD)

I'm a military personnel. I moved from my house in XXXXXXXX XXXX XXXX XXXX before my order. I put my house on the market to get it rented. Visitors coming to see the house, opened the toilet that leaked for about 2 months. I fixed the issue after receiving the bill of {$3600.00}. I requested an adjustment and my closing bill was {$2200.00}. I told them that I'd not be able to make one-time payments but I will make monthly payments. Things that the XXXX refused. I was making my monthly payments when XXXX gave my debt to Transworld Systems a debt collection company that reported twice the same debt in my credits report with XXXX different amounts which are not accurate. 
I called XXXX, they confirmed that the report was not correct because I have only one account with them. 
I contacted the XXXX collection company and they confirmed that it was the same account reported twice. I requested to take XXXX report off to allow me to continue my monthly payments. They seemed compliant the first time I called them but they did not make the modification for about 3 months now. I called them last week to understand why it is not done yet and they said XXXX asked them to keep it in my credit report and they said they don't about that. 
I want them to take XXXX report off my credit report to allow me to continue my monthly payments.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I have placed a dispute with this creditor XXXX XXXX, XXXX, and Equifax in regards to them reporting my account accurate on XX/XX/, XX/XX/, XX/XX/, XX/XX/, and XX/XX/. I have not heard a response from them regarding the requested information that I asked about. I had to call XXXX XXXX to provide me a receipt for the payment on XX/XX/. It is a must under the FRCA law that the account reports accurate information 100 %, this company failed and XXXX and Equifax failed to provide the update information. I recently applied for a home loan and this inaccurate information has effect my credit tremendously and stop me from purchasing a home. I paid XXXX XXXX on XX/XX/. It has now been over 60 days since this payment has been made. XXXX and Equifax have not been properly investigating.
Consumer complaint received 2023-12-11
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. (MA)

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 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (MD)

Hello, Multiple attempts have been made to clear my credit report from third party reporting agencies that I have not, nor had any prior business with. The report keeps coming back as verified and no solutions to my complaints. My fair consumer rights have been impacted as a result of false information, non privy information and outdated information. Equifax has neglected to correct my information shared with the public
Consumer complaint received 2023-12-11
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. (FL)

XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXX : The account has been disputed on XX/XX/23, XX/XX/23, and XX/XX/23. The payment status reflects 30 days late with XXXX and XXXX when the account is paid in full. It reflects current with Equifax. The dates of last payment are wrong - Equifax reports XX/XX/23, XXXX and XXXX report XX/XX/23. XXXX and XXXX  report XXXX as 30 days late, but current with Equifax. Equifax reports XXXX as 20 days late, but current with equifax. This account is filled with errors and none of them have been fixed! 

XXXX XXXX XXXX : This account has been disputed on XX/XX/23, XX/XX/23, and XX/XX/23. Nothing has been fixed. XXXX reports XXXX as 30 days late, but other two bureaus havbe current. XXXX reports XXXX as 30 days late, but current with other 2 bureaus. Equifax reports XXXX as 30 days late, but current with other two bureaus. The payment history is completely inaccurate. It needs to be updated to NEVER late immediately!
Consumer complaint received 2023-12-11
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. (KY)

I hope this message finds you well. I recently conducted a thorough review of my credit report and uncovered alarming violations of my federally protected consumer rights, particularly under the Fair Credit Reporting Act ( FCRA ). 

Upon closer examination of the specific accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has become evident that the following federal laws have been violated : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy - My right to privacy, as guaranteed by 15 U.S.C 1681 Section 602 A, has been compromised.

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement - The account has been reported without my explicit written instructions, a direct breach of 15 U.S.C 1681 Section 604 A Section 2.

3. 15 U.S.C 1681c. ( a ) ( 5 ) Section : Seven-Year Reporting Limitation - The inclusion of adverse information exceeding the seven-year reporting period, as outlined in 15 U.S.C 1681c. ( a ) ( 5 ) Section, is affecting my credit report.

4. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Accuracy of Information - The information provided to consumer reporting agencies is inaccurate, violating 15 U.S.C. 1681s-2 ( A ) ( 1 ).

5. Identity Theft and Assumption Deterrence Act Violation : - If there's any potential unauthorized transfer or use of my identification linked to identity theft, it may constitute a violation of the Identity Theft and Assumption Deterrence Act.

6. Consumer Financial Protection Act Violation : - The account 's transgressions may also fall under the Consumer Financial Protection Act ( CFPA ), particularly in terms of potential unfair, deceptive, or abusive acts related to consumer financial products or services. 

These inaccuracies and violations are not only a breach of my rights but are also significantly hindering my ability to secure credit for essential needs such as a new house, car, and other necessities for my family. 

I strongly advise taking immediate action to address these violations and protect my rights. As per federal law, I have the right to dispute and request the removal of inaccurate information, as well as report any potential identity theft incidents. Safeguarding my consumer rights is my top priority, and I appreciate your prompt attention to this matter. 

Respectfully,
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mid-Atlantic Finance Co., Inc. (IL)

In accordance with the Fair credit reporting act.The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681. XXXX account # XXXXXXXX XXXX account XXXX XXXX XXXX  account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  account XXXX XXXX 15U.S.C 1681 section 602 A . States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2. If also states a consume reporting agency can not furnish an account without my instructions. 15 U.S.C 1681 C. ( 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 conviction of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-12-11
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. (FL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-11
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. (KY)

I hope this message finds you well. I recently conducted a thorough review of my credit report and uncovered alarming violations of my federally protected consumer rights, particularly under the Fair Credit Reporting Act ( FCRA ). 

Upon closer examination of the specific accounts as follows : The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has become evident that the following federal laws have been violated : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy - My right to privacy, as guaranteed by 15 U.S.C 1681 Section 602 A, has been compromised.

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement - The account has been reported without my explicit written instructions, a direct breach of 15 U.S.C 1681 Section 604 A Section 2.

3. 15 U.S.C 1681c. ( a ) ( 5 ) Section : Seven-Year Reporting Limitation - The inclusion of adverse information exceeding the seven-year reporting period, as outlined in 15 U.S.C 1681c. ( a ) ( 5 ) Section, is affecting my credit report.

4. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Accuracy of Information - The information provided to consumer reporting agencies is inaccurate, violating 15 U.S.C. 1681s-2 ( A ) ( 1 ). 

5. Identity Theft and Assumption Deterrence Act Violation : - If there's any potential unauthorized transfer or use of my identification linked to identity theft, it may constitute a violation of the Identity Theft and Assumption Deterrence Act.

6. Consumer Financial Protection Act Violation : - The account 's transgressions may also fall under the Consumer Financial Protection Act ( CFPA ), particularly in terms of potential unfair, deceptive, or abusive acts related to consumer financial products or services. 

These inaccuracies and violations are not only a breach of my rights but are also significantly hindering my ability to secure credit for essential needs such as a new house, car, and other necessities for my family. 

I strongly advise taking immediate action to address these violations and protect my rights. As per federal law, I have the right to dispute and request the removal of inaccurate information, as well as report any potential identity theft incidents. Safeguarding my consumer rights is my top priority, and I appreciate your prompt attention to this matter. 

Respectfully,
Consumer complaint received 2023-12-11
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. (FL)

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 name : # XXXX, Account name : # XXXX, Account name : # 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.