davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year> I was going to send some money to a crypto forum and it showed that it was pending then I decided not too so I called Bank of America and spoke to a gentleman that worked for Bank of America and asked him if the transaction had went thru he said no it hasn't so I said ok great I do not authorize this transaction please cancel it I do not approve this transaction he said okay yea the money is still in ur account I said ok good please don't let that transaction go thru at all he even said don't worry it won't go thru and even said as a matter of fact I can block them I said yes please do that .and just made sure so it's still in. My account my funds he said yes don't worry about it I said okay no that's it ty..so few days later my money is not in my account I immediately called Bank of America and said what happened I didn't authorize this transaction I even called u guys to tell u that I didn't approve it and the guy I spoke Too even said that he blocked the merchant and the agent said yea I don't know it went thru she couldn't do anything they said to file a claim and I did and they denied my claim so I disputed the claim again and they denied me again I said I called and u guys said my money is in my account if I would of known that same day I would of transferred my money to a different account..exactly what I said that's how it happened I asked them for the phone call recordings and they didn't want to give me that so is there anything I can do I trusted them I trusted the agent took his word my money is in my account if I would of known it was going to go thru I would of gone to the bank right away to withdrawl my money .. so I lost those XXXX it was close to XXXX it was fraud .. that money was lended to me by my family I even got loans to get that much money and it was got done crypto I made doing some trading but turned out to be fraud.. Bank of America didn't give a XXXX and cus of that my family won't speak to me cus I lost there money and I'm in debt cus of it too I went into XXXX and am still going thru it
Consumer complaint received 2024-01-11
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. (NJ)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I applied for a credit Card with XXXX XXXX and was approved. I took full accountability for any late payments. I got behind on the payments because I lost my job during the XXXX disaster. Once I found a job I called XXXX XXXX. which is a collection agency for XXXX XXXX XXXX. I settled the debt with them on XX/XX/2023 I noticed on the receipt the amount I settled the account with was stated on the receipt. I Called XXXX XXXX and ask could they please delete this account from my credit report because I'm trying to obtain a mortgage. Quick answer was no I said ok thank you. I've Called/ Dispute and written a good will letter to all 3 Credit Bureaus and explained why this is important to me. In 42 years I've never spoken to XXXX very rude and unprofessional Customer Service reps. It doesn't make sense to make another human being suffer because of financial struggles, and trying to better themselves. Thank you Respectfully XXXX XXXX
Consumer complaint received 2024-06-14
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. (VA)

XX/XX/2024 I traveled to a used car dealer in XXXX. I filled out a soft pull application which stated it would not affect my credit. The dealer then proceeded to make an unauthorized hard pull of my credit. I received the alert and told the dealer that I do not want my credit pulled. He then tried to get me to sign a credit application which I refused. After several attempts for them to fix the problem, they finally admitted the credit pull was done by mistake and they would send a letter to the credit bureaus. I also deputed the inquiry to Equifax. I provided the communication between the dealer and myself. Long story short.nothing has changed. Equifax states that they investigated it, which has to be false since they said everything is factual when it is not. They continue to disregard my proof without telling me why. 

Regards, Complainant
Consumer complaint received 2024-01-11
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)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX, XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX XX/XX/XXXX U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5000.00} U S DEPT OF ED/XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$0.00} U S DEPT OF ED/XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$5100.00} U S DEPT OF EDXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00} 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
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: EQUIFAX, INC. (TX)

I recently conducted a thorough investigation of my credit report, an experience that has inflicted severe emotional distress upon me. The findings revealed unverifiable, invalidated, inaccurate, and questionable items, indicating a blatant disregard for ensuring 100 % accuracy in your agency 's reporting. 

Under the Fair Credit Reporting Act, it is imperative that all information on my credit report is reported with absolute precision. However, the accounts in question are in clear violation of both 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), as they fail to meet the standard of 100 % accuracy.

I have attached copies of all correspondence sent to your agency for your perusal.

Immediate action is not just requested but required to rectify these violations and restore the accuracy of my credit report. Failure to do so promptly will leave me with no choice but to pursue all legal avenues available to me. 

I anticipate your swift and comprehensive response to this matter.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

This is my third time requesting the below items be removed or proof that they are mine be provided. These are not my accounts and I have filed a police report due to my wallet being stolen in XXXX and then all of this shows up a year or so later. 

XXXX XXXX {$680.00} XXXX XXXX XXXX {$700.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX I Closed on XX/XX/XXXX XXXX/XXXX  Closed on XX/XX/XXXX XXXX/XXXX  Closed on XXXX XXXX, XXXX XXXX/XXXX Closed on XX/XX/XXXX XXXX/XXXX  Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXXXXXX  I contacted each company and they couldnt provide any information and when I gave my address social they either couldnt verify me or had no record. 

My Identity Theft Report reference number is XXXX and my police report number is XXXX.
Consumer complaint received 2024-01-11
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. (CA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/ but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance XXXX - XXXX XXXX Inquired on XX/XX/ XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : -
Consumer complaint received 2024-01-11
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. (CA)

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-15
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: Experian Information Solutions Inc. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX.
Consumer complaint received 2023-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance : {$9100.00}.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

After multiple failed attempts to transfer my funds to external accounts starting XX/XX/XXXX, I decided to close my Flagstar accounts on XX/XX/XXXX, when my transfer request failed the 4th time, with trial deposit verified and sufficient balance ( $ XXXX ) to cover transfer amount ( {$1600.00}, $ XXXX ). I contacted Flagstar online chat, and was told I needed to call customer service to close Flagstar account. Then I called customer service and was told I needed to close the account via secure message, because my account was opened online, not in branch. Then I submitted the request via secure message and yesterday on XX/XX/XXXX, XXXX, an Flagstar employee, blatantly ignored my request by saying I'm requesting " a statement copy '' by responding " Thank you for contacting the Flagstar Banking Support for assistance. I am happy to help you with your request for a statement copy. '' ( See attached ) This is a fraudulent practice effectively blocking my access to my own money.
Consumer complaint received 2024-01-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I am writing to you in regards to the collection account that is appearing on my credit report. I have no knowledge of this account and have sent letters requesting validation to the medical collection agency, but they have failed to provide any proof. If they can not validate it, how can you report it?! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$50.00}. Since the collection agency can not provide any information about the debt, perhaps you can tell me who the original creditor is, what service they performed, where they are located, and the amount of the balance. Since the collection agency can not confirm it, I expect that you can not either, and thus, it must be removed from my credit report. If you fail to do so, I will be forced to involve the Federal Trade Commission. I have sent numerous letters to your company requesting that you investigate the list of inquiries reporting on my credit report, which I believe are inaccurate. Your failure to respond is in violation of the Fair Credit Reporting Act and will not be tolerated. In case you are willing to settle this matter amicably, I will list the inquiries in question once again, so you can do your job as per the FCRA guidelines. Please investigate the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I have tried contacting these companies on my own, but I have not received any response. I even tried reaching them using the phone numbers provided on my credit report, but half of them are incorrect. The companies that I could get in touch with have no record of me.
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: EQUIFAX, INC. (TX)

: 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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Also under 15 USC 1681 section 602 a states I have the right to privacy. Also under 15 USC section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$1700.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, 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 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$1400.00} XXXX 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-04-13
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

A loan/credit card from Capital One is showing up on my credit report from XXXX. I was born in XXXX, which would make me XXXX XXXX XXXX and not of age to concent to someone using my social security number. Neither of my parents authorized this as well. Capital One says they cant find anything with my information on it and therefor will not help resolve the issue of it showing up on my report. I am in the process of purchasing a home and this negative mark is preventing me from the purchase. I dont have the luxury of waiting for this to be resolved, it needs to be done immediately so Im able to show an accurate number for my credit score. Thank you.
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

For two months, Capital One has not properly processed my automatic payments for my XXXX XXXX Account ending XXXX. I was charged XXXX for each late fee. Capital One waived the XXXX late fee because I had never been late on the account. I checked on my auto pay on XX/XX/XXXX and it was on. I received notification from Capital One today stating I was charged a late fee for XX/XX/XXXX. However, my auto pay was on and Capital One claimed I cancelled the payment on XX/XX/XXXX. I did not. I did not receive any notification that my XX/XX/XXXX payment was cancelled. Capital One claimed I received an email on XX/XX/XXXX informing me of the cancellation. I did not receive an email from Capital One nor text on XX/XX/XXXX. I enrolled in auto pay over 7 years. I have three accounts with Capital One but the XXXX XXXX account is the only account that I am having problems with the payment processing. After speaking to a supervisor, Capital One refused to waive the late fee for XX/XX/XXXX. I believe Capital One is intentionally not processing auto payments to unlawfully charge late fees.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am a victim of identity theft through XXXX XXXX XXXX XXXX and Equifax XXXX XXXX. I have recently learned that my personal information was used and compromised in several different ways. I did not authorize charges and or information given to financial institutions and credit card issuers. I have submitted an FTC report and Documents showing my information was breeched. I have also requested the original document used to confirm this debt, original contact with my signature. I have not been provided with any documents that I have requested. 

XXXX XXXX XXXX XXXX XXXX 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 Inquires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX