davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

You are reporting incorrect and accurate derogatory information on my consumer report and I have already made you aware of it and you continue to report that derogatory and accurate information on my customer report and now youre defaming my name and character 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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. 

FINAL Complaint. NEXT LITIGATION.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Inviolation of the Fair Credit Reporting Act, Bank of America refuses to removed a delinquency int he 3 credit reporting agencies. This was fraud during an account takeover. In spite of the fact I reported the fraud when it occurred on XX/XX/XXXX ( 4 credit cards were involved and the credit card fraud dept had no clue about 3 of them until I reported them. ) They were aware ( see screen shot around XX/XX/XXXX as well as previous response from their regulatory complaints dept dept acknowledging these frauds were reported on XX/XX/XXXX. Email is attached proving this was reported. 3 of the credit card fraud cases were settled but the person handling the card now ending in XXXX did absolutely nothing until XX/XX/XXXX - total ineptitude and no fiduciary responsilbility as well as blatant violation of the Fair Credit Reporting Act. To make matters worse, during the account takeover, the thief fraudulently obtained cash advances, transferred the stolen funds into his Bank of America checking account ( I know this because of the attached police investigation report. ) Instead of going after the thief, knowing his name, address, BOA checking account number and computer IP address, that person insisted on holding me responsible. There was also a violation of the Electronic Funds Transfer Act when the bank should have realized this was a fraud- I did receive a call after the fact ) It wasn't until XX/XX/XXXX when I was finally told to file a claim with the checking account fraud dept. I filed the claim on XXXX XXXX, XXXX. It took checking account fraud until XX/XX/XXXX to realize the violation of EFT and they sent me a letter and the funds for the entire fraud amount ( see attached ). I refused to pay the XXXX account balance which with interest and late fees was {$1900.00} since it was a fraudulent cash advance which I reported. Not my fault there was ineptitude in it not being worked until XXXX XXXX, XXXX. The credit card fraud dept was recalcitrant and refuses to close the case. With the funds from the checking account fraud, I paid the fraudulent card off. ( First,, I paid {$230.00} to bring it up to date. I had just hired an attorney and would have sued BOA.How can Bank of America get away with ignoring bank regulations? Last week I sent an email to XXXX XXXX XXXX and XXXX had called me. She was able to have the additional finance charges refunded to me since it was fraud and the total settlement did not cover the subsequent finance charges. She told me she requested the delinquency be removed but couldn't promise. Obviously, in spite of XXXX requesting the delinquency b removed since the bank was in violation of the Fair Credit Reporting Act, they are adamantly refusing.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (OH)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my NAVY FCU - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

I have repeatedly asked for validation of this medical debt from both the company as well as Equifax. The company ignored my request and Equifax has repeatedly stated that they have verified that this debt between myself and XXXX XXXX is verified. Equifax has failed to send any documentation proving that this debt is mine including any information they have on me owning the debt and any and all contracts or statements. Equifax has failed to tell me how they have come to the conclusion that I owe this debt. This is in violation of the FCRA and Equifax should be held liable for defamation of my character and damages to me and my family. I demand that Equifax immediately delete this information from my credit profile as I am not liable to pay this company a debt that I do not owe them.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westlake Services, LLC (AZ)

Account was settled on XX/XX/2024 requested a letter on XX/XX/2024 to have it removed from all three credit report bureaus via email, No response from collectors. Account still reflects on credit report.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2023 I initiated a balance transfer request with my Capital One Quicksilver credit card account. I was approved for my request for {$8900.00} and asked for it to be sent to pay off my credit card balance with XXXX  XXXX. 

During this time, I was informed by XXXX XXXX  that they were being acquired by XXXX XXXX  and the official transition would take place on XX/XX/2023. I asked a customer service rep at XXXX XXXX  prior to initiating the balance transfer with Capital One, if it would be okay to pay off my account prior to this date with a balance transfer and they said it would be fine. 

The balance transfer check was cut on XX/XX/2023 and according to the copy of the check, it shows that it was deposited on XX/XX/2023 ( XXXX day after the transition from XXXX XXXX XXXX XXXX XXXX ) I received my first statement from XXXX XXXX  and it appeared as if no payments were ever posted to the account. This was concerning for me, so I contacted XXXX XXXX  and told them what happened, and they asked for a copy of the check Capital One sent to XXXX XXXX. They had their payment investigation team and the transition team look into it further only to reply that they noticed on the back of the check it looked like it was deposited by XXXX XXXX XXXX XXXX XXXX 

The front of the check included my account number with XXXX XXXX  and was addressed to the correct XXXX XXXX XXXX XXXX Texas provided to me by XXXX XXXX  at the time. 

What's interesting is, the check that was issued by Capital One says " XXXX XXXX XXXXXXXX '' on the front of the check. On the back of the check it says " Pay to the order of XXXX XXXX XXXXXXXX '' and it also states " XXXX XXXX  '' as well. I was told by XXXX at Capital One that Capital One banks with XXXX XXXX XXXXXXXX, so I think there's a possibility that this check was returned to Capital One and deposited back in their account. Capital One informed me they are attempting to " recall '' the funds, but there is no guarantee this will be successful. I am currently accruing interest with Capital One and XXXX XXXX  while this matter gets resolved. Capital One said that this process could take 90 days, possibly longer.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I contacted Experian Ive sent over ten letters explaining these accounts arent mines and they keep giving me the run around. 

XXXX XXXX {$5400.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX. XXXX. {$1700.00} XXXX XXXX. XXXX {$240.00}
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

I am writing to address a concerning matter regarding my credit file. I have noticed a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I have an account with Comenity bank, which is a store card for Zales. I have two promotional balances on this account currently and have faithfully paid on time and well over the minimum required balance. Unfortunately, Comenity continues to split the payments between the two balances instead of applying the payments toward the promotional balance that ends on XX/XX/XXXX. I called last week to ask why this is and got an explanation of their policy and the agent admitted that the payment allocation does follow the policy. On that call, I confirmed the remaining balance for that promotion was {$85.00}. I made a one time payment on that call for the amount of {$85.00}, which I was told would pay off that promotional plan. I also had another scheduled payment after that for XXXX posted on XX/XX/XXXX. I called today, XX/XX/XXXX and was told there is still an XXXX balance on the promo ending on XX/XX/XXXX. The rep, XXXX XXXX, stated I will find out how my last two payments were applied on my next statement. She refused to provide confirmation in writing that they applied the payment to the promo ending on XX/XX/XXXX. She also refused to provide a physical address for Comenity Bank so that I could send a XXXX request for information. 

Of the {$75.00} paid on XX/XX/XXXX, only XXXX was applied to the promo ending on XX/XX/XXXX and XXXX was applied to the promo ending on XX/XX/XXXX. 

Payment made on XX/XX/XXXX for {$75.00} was applied as XXXX toward the promo ending on XX/XX/XXXX and XXXX applied to the promo ending on XX/XX/XXXX Both of the statements with the above payment applications warn me to pay off my promo balance soon but fail to provide me a way to do so. The reality is, both of those {$75.00} payments should have more than paid off the remaining promo balance that ends on XX/XX/XXXX. 

I have attached the statements showing how these payments were applied.
Consumer complaint received 2023-12-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ULRS, Inc. (CA)

XXXX XXXX XXXX XXXX bought the dental office from my previous dentist XXXX XXXX who passed away. Dentist XXXX completed dental work back in XXXX and XXXX. When the work was completed I asked dentist XXXX 's office if I owed any money? I was told no your insurance covers it. I never received one bill. After XXXX XXXX XXXX purchased the office I began receiving bills from a collection agency by the name of XXXX XXXX XXXX. United Legal Group stated I owed {$2100.00} and began threating to ruin my credit when I informed them I did not owe any money. These calls were relentless. I am elderly and XXXX  so I had my niece XXXX XXXX call my dental insurance XXXX XXXX. XXXX was informed that XXXX XXXX XXXX XXXX had been denied payment due to the statues of limitation. XXXX never did the work it was dentist XXXX who completed the dental work. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX knows they have one year to submit claims and if they do not submit the claim with in that year they have to take the loss. And they can not come after the patient for it. XXXX called XXXX XXXX XXXX and spoke with XXXX and explained what XXXX XXXX informed her. XXXX insisted that I still owed the money. XXXX sent a certified letter to XXXX XXXX XXXX. This letter laid out dates of office visits with XXXX XXXX ( my previous dentist ), claim numbers that XXXX sent to XXXX XXXX XXXX for payment ( for the work dentist XXXX completed back in XXXX and XXXX ) and reason 's why those claims were denied. This information was obtained by XXXX from XXXX XXXX XXXX. XXXX also sent a certified letter to United Legal Group to cease and desist. XXXX XXXX XXXX XXXX XXXX if the harassment would not stop we would take the necessary steps needed to stop them. Which was to record any future phone calls, notify the appropriate agencies of the violation of the FDCPA and file a complaint with the Federal trade Commission and the local Attorney General 's Office. They totally ignored the letter. I continued to receive calls. The last call I received from United Legal Group I asked them to speak with XXXX. XXXX spoke with a woman from United Legal Group and informed this woman that she was being recorded. The woman quickly hung up on XXXX. In XXXX I receive a letter from XXXX the XXXX XXXX XXXX explaining that this debt is showing up on my credit report for {$2100.00}. I am elderly and XXXX and would appreciate your assistance in this matter.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Please know the information on my credit report is not correct. I've addresses as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$700.00} XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX Accounts below have 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 States a consumer reporting agency can not furnish an account without my written instructions. 
Account # XXXX... 
Account # XXXX... 
Account # XXXX Account # XXXX Account # XXXX...
Consumer complaint received 2024-05-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, the wire transfer of {$49000.00} from my fathers account in XXXX XXXXXXXX XXXX arrived in my savings account. 
On XX/XX/XXXX, the wire transfer of {$50000.00} from my mothers account in XXXXXXXX XXXX XXXX arrived in my savings account. 
On XX/XX/XXXX, my checking and savings accounts were restricted. 
On XX/XX/XXXX, my savings account was closed. 
On XX/XX/XXXX, my checking account was closed. 
On XX/XX/XXXX, I called Chase fraud security service ( XXXX ) XXXX. No update. My remaining balance in both accounts are suspended due to investigation. 
On XX/XX/XXXX, I called Chase fraud security service ( XXXX ) XXXX twice. No update. Still suspended due to investigation. 
On XX/XX/XXXX, I called Chase fraud security service ( XXXX ) XXXX twice. No update. Still suspended due to investigation. 
On XX/XX/XXXX, I called Chase fraud security service ( XXXX ) XXXX twice. No update. Still suspended due to investigation. 
On XX/XX/XXXX, I filed a consumer complaint through XXXX. 
On XX/XX/XXXX, Chase sent me a letter, insisting that the remaining funds continue to be under review. 
On XX/XX/XXXX, I called Chase fraud security service ( XXXX ) XXXX twice. No update. Still suspended due to investigation. 
On XX/XX/XXXX, I called Chase fraud security service ( XXXX ) XXXX twice. No update. Still suspended due to investigation. 
On XX/XX/XXXX, All the remaining funds in both accounts, at the amount of {$2900.00} and {$91000.00}, were suspended for 154 days. I decided to file this complaint through the CFPB and seek attorney consults. 

My checking and savings accounts were opened in XX/XX/XXXX, in XXXX, Wisconsin. My mother and father have sent me wire transfers of similar amounts from XXXX to XXXX to support my XXXX and XXXX XXXX  spendings. 
The wire transfers on XX/XX/XXXX and XX/XX/XXXX from them are planned for buying a house in the future.
Consumer complaint received 2023-09-27
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, Equifax ) and I noticed some late payments posted on my consumer report. This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment Immediately. 
Account XXXX XXXX XXXX XXXX XXXX Account number XXXX ) Months Showing Late Payments XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023