davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities 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 isn't shared which is backed by 15 USC 6801 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 that title. 15 USC 1681 section 604 a 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 they surely do not have my written consent. Any and all consent to Furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' 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 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time At this time i would like to continue to
Consumer complaint received 2023-12-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NV)

It has recently come to my attention that late payments and a negative status are reported on these accounts. I would like to provide context to the circumstances surrounding these late payments. Unfortunately, my family experienced the death of a close relative, and this challenging period resulted in some financial difficulties. I want to bring to your attention that, after discussing my situation with the respective creditors, XXXX XXXX XXXX XXXX has agreed to extend goodwill by removing the reported late payments and updating the status of these accounts. This goodwill gesture is in acknowledgment of the exceptional circumstances and challenges my family faced due to the unfortunate demise of my relative. Given this agreement with the creditors, I kindly request that you promptly update my credit report to reflect the removal of late payments and amend the status to accurately represent the goodwill agreement reached with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} and XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2024-01-20
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: Resurgent Capital Services L.P. (FL)

I sent a letter onXX/XX/XXXX and asked them to investigate the completeness and accuracy because I found that some things are inaccurate and not complete. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 i ) promptly notify the furnisher of that information that the information has been modified ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too.Can you fix it
Consumer complaint received 2024-01-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Recently, I opened a Bank of America 's ( BOA ) Travel Rewards VISA card for my international trips. However, every transactions outside the US instantly locked the card. For example, a {$6.00} usage at XXXX in XXXX, XXXX triggered the lock. 
Every time I have to spend 15+ minutes of waiting time to reach BOA for unlocking the Visa card.

I was told to log into the BOA mobile application locally before using the card but the tip has been proved useless. 
Hence, the Visa card has been locked many times and totally useable abroad. The whole purpose of this card is for overseas traveling.

I have spent days and hours everyday to reach BoA Fraud department to unlock the card. What a waste of time it is for everyone. Not only BoA can't provide a solution, but at the end they ask me to visit a local financial center with two photo IDs to validate myself. I am afraid they will ask me to fly to BoA 's HQ to validate myself. 
This is outrageous as all my domestic use of the card has no issues whatsoever. If BoA dislikes my foreign usage of the Travel Rewards VISA, why do they advertise falsely? BoA 's fraud detection algorithm is a harassment to the customers. 
I have XXXX XXXX XXXX and it works flawlessly. Please prevent BoA from advertising the Travel Rewards VISA falsely. It's only a XXXX XXXX. 
This is not the first time I notice unfriendly practice of BoA credit cards. When my son obtained a college Visa card the past summer. He couldn't use the card for the first month, we had to call many times in vein. And we visited a branch office at the end to make it work. BoA never puts customers ' interests in top priority.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (CA)

I wrote a check on XX/XX/XXXX that was stolen. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my local branch sent out a notarized Affidavit of Forged or Altered Checks, each filled out slightly differently. I don't know the details, but apparently they were denied. I went back to the branch yesterday, XX/XX/XXXX, and was told that it takes ten days to process.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

I opened a credit card account with Discover, went through their verification process provided all the requested forms, but was denied a day after speaking with an account XXXX pertaining to a Better Business Bureau complaint I had filed weeks prior. I am convinced my account was closed in retaliation to my BBB complaint. Now my credit score is in jeopardy due to a closed account even though I never had access to the funds, never received the statement and never even made it to where I make my monthly payment.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CrossCheck, Inc. (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

LVNV funding is reporting several debts on my credit file that are not mine. I have disputed this with them as well as the bureaus to notify them this is not mine. I also included a copy of the identity theft report. I am a XXXX  and someone got info and opened several accounts under my name and LVNV funding is trying to collect for three that are not mine. I have given them a chance to fix it and it's still reporting??
Consumer complaint received 2024-01-12
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: PNC Bank N.A. (KY)

I wend to PNC Bank In XXXX KY on XX/XX/2022 to deposit checks in the total amount of {$5000.00} including {$4000.00} check from XXXX XXXX  and two money orders of {$500.00} from XXXX XXXX. They did take the money orders as deposit that day with receipt in hand and it shows on my banking app few days later the full deposit of {$5000.00} the a day later only showing {$4000.00} reducing the amount of deposit by {$1000.00} of the two money orders. the bank never informed me about the incident by phone, mail or email. I went back to the bank a week later to understand what happened for the teller to inform me the money orders were not valid and they are gone without return. I informed the teller and the bank manager these were money orders with cash values not something they can just discard. they truly did not care sending me out with out a solution telling my they have the right not to give me any checks or money order back if they were rejected by there system. I contacted the head office for PNC to open an investigation, I was told to contact the bank manager to escalate the issue for investigation to my surprise the bank manager was not welling to meet, help or investigate then I contacted a Law office to push the bank for action then I started getting empty calls of any resolution from escalations teat members of PNC bank. I need your help to investigate this issue further to understand how can I get my money back by PNC bank or by getting my money order back to return to XXXX XXXX and get a replacement. As you all know these money orders are my money frozen in those checks tell i get them replaced.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I have two {$400.00} atm withdraws taken from my account and I never authorized it. I made a fraud complaint and they denied it saying it wasnt an error. I live in XXXX Texas and was working at the time when the two transactions were taken from me in XXXX XXXX Texas
Consumer complaint received 2024-01-12
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Grain Technology, Inc. (AL)

I have been having problems with this company as of XX/XX/XXXX when it unlinked my auto pay account from the application. This then causes a late payment on my account. Since the app did not allow me to log in to pay. Eventually fed up with this company I paid the balance in full and requested that my security deposit be returned XX/XX/XXXX. Ever since I have been unable to login in the application to request my account to be closed. Its as if I am being punished for paying my balance
Consumer complaint received 2024-05-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TN)

Dear CFPB, I just looked at my credit report and see that XXXX XXXX XXXX is violating my rights. I am writing to file a formal complaint against XXXX XXXX XXXX regarding their actions concerning account number XXXXThe collection agency has egregiously violated my rights as a consumer under the regulations outlined in 12 CFR 1006.34 ( b ) ( 5 ) ; 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ; 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). 

According to my understanding of the aforementioned regulations, XXXX XXXX XXXX has failed to adhere to the following : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This section stipulates the requirements for providing notice to consumers. XXXX XXXX XXXX has not provided me with proper notification regarding the collection activities related to account numberXXXX. 

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This regulation outlines the specific information that should be included in the notice provided to consumers. XXXX XXXX XXXX has not furnished me with the required information in the notification, depriving me of essential details regarding the debt in question. 

3. **12 CFR 1006.34 ( d ) ** : This section emphasizes the need for accuracy and integrity in debt collection practices. XXXX XXXX XXXX 's actions have lacked transparency and accuracy, which is a clear violation of this regulation. 

4. **15 USC 1681-S2 ( 7 ) ( A ) ** : This provision safeguards consumers ' rights by ensuring that collection agencies provide proper notification before initiating collection efforts. XXXX XXXX XXXX has failed to uphold this fundamental requirement. 

I am hereby requesting that this account is deleted from my credit report. 

Furthermore, if XXXX XXXX XXXX believe that they have provided me with proper notification, I demand that they provide evidence in the form of a certified receipt with my signature acknowledging receipt of the notification. 


Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX, XXXX Re XXXX Letter to Remove Inaccurate Credit Information. 

To whom it may concern : Ive recently received a copy of my consumer report, and noticed that you Experian are reporting inaccurate and incomplete information. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting.15 USC 1681 ( a ) ( 1 ) also states inaccurate credit reports directly impairs the efficiency of the banking system.You Experian are in clear violation and I'm requesting for you to not only investigate but to verify that all data for the listed accounts are reporting accurately including every notation date and balance reported or not. 

XXXX - SXXXX XXXX XXXX has 2 on time payments reporting for the months of XXXX and XX/XX/XXXX with, 1 ( 30 ) day late payment for the month of XX/XX/XXXX with the status for the account showing paid with no other payment history. 

XXXX- XXXX XXXX hs has 2 on time payments reporting for the month of XXXX and XXXX of XXXX, with XXXX, XXXX and XXXX reporting as late payments. XXXX, XXXX, XXXX, XXXX, XXXX and XXXX reports as a Charge Off. 

Congress also states pursuant to 15 USC 1666 ( b ) a creditor may not treat any payment on a credit card as late for any purpose. 

I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late which is my right according to the FCRA. I demand that if you Experian are unable to do so or lack proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply me with the corrected credit profile to the address listed on file. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information.Pursuant to 15 USC 1681 ( a ) ( 1 ) ( a ), you have 30 days to complete your investigation.

Failure to respond satisfactorily with deletion of the above Transaction/Late Payments, will result in legal actions being taken against your company, for which I will also be seeking Actual Damages as a result of your failure to comply with the law and the sections of the Fair Credit Reporting Act for the following violations : Any Actual Damages Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (LA)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.
Consumer complaint received 2023-09-12
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. (TX)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history, and I appreciate your prompt attention to this matter. 
I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXX : {$67.00} XXXX XXXX XXXXXXXX XXXX : {$53.00} XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX