davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (TN)

Absolute Resolution INV appears on my credit report for an amount of {$4500.00}. States original card was with XXXX. Debt is not mine. I never had a card with XXXX. It states account opened on XX/XX/2023.
Consumer complaint received 2024-01-10
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: CATHAY BANK (WA)

I PAID MORGATE ON TIME TO CATHAY BANK SINCE XX/XX/2023, BUT I GOT CHARGE FEE FOR TOTAL XXXX LATE PAYMENTS FEE ( FOR XXXX AND XXXX ) I HAVE CALLED AND WENT TO THE XXXX XXXX  IN XXXX XXXX TO GET FIX BUT 2 MONTHS WENT BY NO REPLIED BY ANY FORMS
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (IN)

To AMERICAN EXRESS, Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given, verbally, non-verbal, written, or unwritten per 15 USC 6802. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
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. (CA)

In Accordance with the Fair Credit Reporting Act, XXXX Bank XXXX XXXX XXXX XXXX in XXXX and Bank XXXX XXXX Account XXXX in XXXX, Has violated my rights. 

XXXX XXXX. XXXX section XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX. XXXX Section XXXX A Section XXXX : It also states as a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX. XXXX : A Creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO Bank, N.A. (NV)

On XX/XX/, I received a letter from BMO 's Enterprise Fraud Management, requesting that I visit the nearest branch with my ID, SSN, and Utility Bill to verify my identity. The letter stated that my deposit account would be closed on XX/XX/, if I failed to comply. 

However, I want to clarify that I have never had any association with a bank named BMO, nor have I opened any account with them. Therefore, I immediately contacted BMO to report the account as fraudulent. Since then, I have had multiple conversations with four different representatives from BMO on XX/XX/XXXX and XX/XX/XXXX. 

While speaking with these representatives, I have been given conflicting information regarding the status of the account. Some have assured me that the account is closed, some have indicated it is in the process of being closed, and others have given varying explanations. They have also advised me to report this incident to the local police department and the Federal Trade Commission ( FTC ). 

In accordance with the guidance provided by the FTC, I have requested that BMO : 1 ) Confirm in writing that the fraudulent account is not mine. 
2 ) Verify that I am not liable for the account.

3 ) Confirm that it has been removed from my credit report. 

Despite these requests, BMO has refused to provide the requested documentation. Depending on whom I speak with, I have been informed that they either do not provide such letters or that they will only do so if there is recent activity on the account. This leaves me in a position where I must trust BMO 's verbal assurances that the necessary actions have been taken, with no tangible protection in case issues arise due to their failure to verify the account properly.
Consumer complaint received 2024-03-26
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

In accordance with the FCRA, everything has to be 100 % accurate on my credit report. 

I requested Equifax delete a fraudulent account on my credit report. I sent them a police report, ID Theft report and other documents. Instead of investigating the fraudulent account, they " investigated '' the addresses the creditor has in their records related to the fraudulent account. 

I sent a letter and documents to Equifax proving the information XXXX XXXX has regarding the fraudulent account is not mine, had never been associated with me, and is a result of identity theft. 

Equifax sent a letter stating " the disputed item is not on your Equifax credit file '' By me submitting proof that the info is not mine along with the request for deletion, Equifax did not bother to investigate the fraudulent account. 

They DID NOT delete or investigate the fraudulent account. If the account can not be verified, if the reported informationis incorrect or inaccurate, it must be deleted.
Consumer complaint received 2024-03-26
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. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

To Whom It May Concern, I am writing to formally file a complaint against Capital One Auto Finance for violating the Fair Credit Reporting Act ( FCRA ) by continuing to report late payments on my closed and charged-off account. This action infringes upon my rights under the FCRA laws and demands immediate rectification to comply with legal standards. Capital One Auto Finance ongoing reporting of late payments post-closure and charge-off of the account directly contravenes the FCRA laws, particularly Sections 623 and 605. Under Section 623, it is mandatory that the information reported by creditors to consumer reporting agencies is accurate, complete, and updated. The continuous reporting of late payments after the account closure violates these stipulations. Moreover, Section 605 requires accurate reporting of the account status, and the reporting of late payments on a closed and charged-off account is misleading and inaccurate. Furthermore, the issuance of a 1099-C form signifies that the debt was charged off and written off, thus releasing me from the obligation of repayment and making me tax liable for the discharged debt. Under the FCRA laws, this discharge of debt should be reflected in the credit report accurately. Capital One Auto Finance reporting of an inaccurate balance post-charge off constitutes a violation of the FCRA, specifically Section 605. In light of the aforementioned violations, I demand that Capital One Auto Finance take immediate corrective actions in compliance with the FCRA. This includes : 1. Ceasing the reporting of inaccurate information on my credit report, specifically late payments on a closed and charged-off account. 2. Stopping the reporting of an amount owed that is no longer valid due to the charge-off and issuance of the 1099-C. 3. Either reporting an accurate { {$0.00} } balance or removing the accounts completely from my credit report in line with FCRA regulations. Failure to comply with these requests will compel me to escalate this matter to the appropriate regulatory authorities to ensure adherence to the FCRA laws. I expect a prompt response acknowledging receipt of this complaint and detailing the steps Capital One Auto Finance will take to rectify the inaccuracies on my credit report. Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Capio Partners, LLC (NC)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such an account and also other documents so I may review to see if this is actually an account that belongs to me
Consumer complaint received 2024-01-10
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION (NC)

Truist assumed my mortgage from XXXX XXXX in XX/XX/XXXX. I was notified by Truist in XXXX that they had assumed the loan, and set up ACH automatic payments to be paid directly from my financial institution to Truist at the address they provided. Each month from XX/XX/XXXX- XX/XX/XXXX, the ACH funds were deducted and a check was mailed to Truist at the address on file. Each month, I called to confirm that the payments had posted, yet in XXXX Truist claims they did not receive payments. 

In XXXX, I contacted Truist again and asked to launch an investigation into the source of the ongoing payment issues. XXXX XXXX, and my financial institution representative worked to investigate the issue : it was determined that the remittance address that was saved in the ACH system was incorrect. We quickly worked to make the necessary address changes, I made several Overpayments to make the account current. Yet, Truist refused to report their clerical error to the credit bureau. This has resulted in many negative consequences to my consumer lending. 

I am trying to refinance my home. I need help from you since Truist is refusing to assist in clearing the reported late payments for XXXX XXXX. Please expedite this process if possible. 
I have attached all supporting documentation for your review. 


Thank you! 

XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$1100.00} XX/XX/23 XXXX XXXX, XXXX XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (TX)

On XX/XX/23 I have asked the company KIKOFF LENDING LLC to remove a negative balance of XXXX dollars from my credit report. I have sent letters and complained about improper use of this information on my credit report. I would like this discrepancy to be removed from my credit report.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (DE)

I made a payment on XX/XX/XXXX for {$6300.00}. It still hasnt been applied to my credit card balance as of XX/XX/XXXX. This is my Caesars rewards credit card issued by Comenity Bank. ( It was however deducted from my checking account and cleared my checking in XX/XX/XXXX ) I make my payment in full each month and have since I opened this card in XX/XX/2022. The balance is usually {$5000.00} to {$10000.00} each month. I have never had a payment returned as NSF etc. this is my typical payment pattern. Whatever the balance is I pay it in full. 

XXXXI called my issuing bank and my payment of {$6300.00} was deducted from my checking account on XXXX XXXX If the funds have already been removed by my issuing bank how is it legal for Commenity bank to not apply the payment as a credit to my account as of XX/XX/XXXX? 

My credit card was declined at a restaurant on XX/XX/XXXX and I called and was advised payments can take 7-10 days to post. Ive never had a payment take that long to post. I believe even the VRU states if made by this time it will be applied same day and after XXXX next business day. 

I called again several times. I called today and spoke with someone who provided false information. I asked to speak with a supervisor. I spoke with XXXX XXXX who really didnt know why the payment was not applied yet. I then spoke with another supervisor named XXXX and he didnt know either. He said it could be due to holiday. Im not sure what holiday he would be referring to. The payment was made on XXXX XXXXThursday next business day Friday then Monday XXXX and today the XXXX.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lexington Mortgage Corporation (GA)

XXXX XXXX was the loan XXXX that processor for the loan that I'm applying for sent my sister XXXX my credit report without my permission and XXXX sent my credit report to my sister XXXX. XXXX works for Lexington Home Loans in XXXX Ca.
Consumer complaint received 2024-03-26
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX DATE OF INQUIRY : XX/XX/2022
Consumer complaint received 2024-01-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

I recently discovered that a, MORTGAGE had been created in my name without my knowledge and consent. That The Veterans Administration is aware of this, as my Veterans Pension that I never received was being used to pay the, MORTGAGE.I went in person to address my findings with the, Veterans Administration XXXX XXXX XXXX, North Carolina, formally XXXX XXXX, North Carolina. The following statement was made, WE WILL FIX IT. The Veterans Administration are very aware that, MORTGAGE LOANS are being made in our names, and that Surviving Spouses VA Benefits are being STOLEN this way. I am a Surviving Spouse of VETERAN.
Consumer complaint received 2024-03-26
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. (PA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (PA)

My name, birthday, and social security number were stolen in XX/XX/XXXXXXXX  due to a data breach of my former employer 's ( XXXX XXXX ) records. Nearly XXXX XXXX ( former ) employees were affected because hackers got into the data of the company that manages XXXX XXXX 's data ; that company is called XXXX XXXX, XXXX. XXXX XXXX alerted me of the data breach, along with the other XXXX XXXX people, in XX/XX/XXXX. Subsequently, I signed up for XXXX XXXX XXXX free credit monitoring service, a service which they advertised in the same letter notifying that the data breach occurred. 

Today ( XX/XX/XXXX ), I was notified by that credit monitoring service that yesterday ( XX/XX/XXXX ), someone ( not me or anyone I know ) opened a Discover Bank credit card in my name. The associated address is XXXX XXXX XXXX in XXXX XXXX XXXX, UT XXXX, according to the credit monitoring service. 

I myself did open a Discover credit card in XXXX, but not on XXXX. The account new as of XXXX must be a fraudster who gained access to my name, birthday, and social security number from XXXX XXXX XXXX data breach. My credit score dropped from about XXXX to XXXX due to the fraudster opening this new line of credit.
Consumer complaint received 2024-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Winklevoss Exchange LLC (IL)

I made transactions, then they blocked my money for verification. They asked for documents and I sent them. They told me to wait 3-5 days. Afterwards they don't answer. I called many times, submitted again requests to unblock my money, sent documents confirming my identity. They still ignore me and dont respond at all now. How is this possible?
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc. (TX)

Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Fruad Charges were made on my master card. I disputed the charges and they rermoved but before they were removed i was turned for late payments to the 3 credit bureau 's. 
XXXX and XXXX has removed the late payment, but Experian refuses to remove them which is affecting my credit.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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.
Consumer complaint received 2024-03-26
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. (GA)

How can the original creditor report 2 different " Date Last Active '' dates on my credit report. This is INACCURATE reporting. Please delete this account asap XXXX XXXX  XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TN)

In accordance with the Fair Credit Reporting Act ( XXXX XXXX  # XXXX ) has violated my rights. 
1

5 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.