davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of america closed my two accounts without any warning or anything. One has been open since XX/XX/XXXXand other since XX/XX/XXXX. They said it was closed due to they could not verify the authorized users. What if maybe i input their info wrong or a discrepancy on users end of the information. I have all their info such as license, social, bills etc to prove their identity and boa does not care. They pretty much said too bad your terms and conditions have expired. Yet let alone never ever have had a late payment or issues with them on these two accounts but they decide to close them without notice or communicating to fix the situation. I even told them to remove all the authorized users and i wo n't add any back and they said no. I 've been a boa customer for over 12 years but i guess that does n't matter.
Consumer complaint received 2023-05-24
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. (TX)

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. '' Equifax and 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. '' Capital One 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. '' XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and 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 Equifax, XXXX, XXXX, XXXX XXXX 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. XXXX XXXX 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 1681s2 ( A ) ( 1 ) A states " 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. 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. Equifax and 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. '' I am opting out of your reporting services.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-05-24
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. (NC)

Letter to all XXXX credit bureau 's Collections : XXXX. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX, Balance {$610.00}, Original Creditor Name XXXX XXXX XXXX XXXX XXXX, Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX. THE BUREAUS Reported : XXXX. XXXX, XXXX, XXXX {$380.00}, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX. XXXX XXXX XXXX Balance {$9300.00} Date Opened XXXX XXXX, XXXX, Original creditor : XXXX XXXX XXXX  Closed / Charge Off : XXXX. XXXX XXXX XXXX XXXX  Report XXXX : XX/XX/XXXX Balance {$76.00}, Credit Limit {$200.00}, XXXX XXXX XXXX Credit {$120.00}, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX XXXX. XXXX Report Date : XX/XX/XXXX Balance {$1000.00}, Credit Limit {$750.00}, High Credit, Available Credit $ XXXX, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, Date of Last Activity, Date of First Delinquency XX/XX/XXXX XXXX. XXXX XXXX XXXX Report Date : XX/XX/XXXX Balance {$0.00}, Credit Limit {$150.00}, High Credit XXXX XXXX {$150.00}, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, Date of Last Activity, Date of First Delinquency XXXX XXXX XXXX. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX, Balance {$610.00}, Original Creditor Name XXXX XXXX XXXX XXXX XXXX, Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX. THE BUREAUS Reported : XXXX. XXXX, XXXX, Balance {$380.00}, XXXX XXXX XXXX, Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) I am disputing the validity of the above listed collections and closed/ charged off account. I request to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my wet signature. Name and full address of the original creditor. Payment history and itemizes billing to go with all collection and closed/ charged off accounts listed above. Proof of ownership from the listed collection company and the closed/ charged of accounts listed above. If you cant provide me with this information within 30 days, I demand that these accounts be remove from my credit report immediately as neither your agency nor I can verify that they are reported accurately. 
Sincerely, xxxx
Consumer complaint received 2023-05-24
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. (GA)

I do not recognize nor did I authorize it. I have never received any funds from them nor any lines of credit issued or utilized by myself. I never verbally or in writing gave anyone from the below companies permission to use my Personal information privately or publicly or in any sense to share. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-05-24
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. (TX)

This charge off account from XXXX is not reporting correctly. I have disputed with all three bureaus and all three come back as verified-meets fcra requirements If they all get the same information from the same creditor then the information should report the same across all three bureaus. All three had failed to correctly verify the information I have asked in all of my previous letters.
Consumer complaint received 2023-05-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Century Debt Solutions Inc. (CA)

Century Debt Solutions , Inc. called me about XXXX XXXX XXXX XXXX where they never installed a garage door and took my {$2400.00} deposit and never paid it back. Now the owner of XXXX XXXX contacted this corrupt collections company to go after the deposit they owe me.
Consumer complaint received 2023-05-24
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. (SC)

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 : XXXX XXXX XXXX # XXXX and ACCOUNT XXXX XXXX XXXX # XXXX has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-24
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. (NC)

This credit bureauDoes not repect or follow the Laws of FCRA. 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. 

XXXX  XXXX BANKRUPTCY : # XXXX XXXX  XXXX BANKRUPTCY : # XXXX XXXX  XXXX BANKRUPTCY : # XXXX XXXX  XXXX BANKRUPTCY : # XXXX All of these accounts listed above has violated my rights According to 15 USC 1681i ( 5 ). However this credit bureau is saying that these accounts were verified for 100 percent accuracy. However I asked them how? when the filing date on each account is wrong. 

I also requested that they provide me proof and a written description of the investigation according to 15 USC 1681i ( 7 ) which they never did. Additionally, according to 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. 

Also, I've learned that according to the following FCRA Laws my rights were purposely disrespected. 

15 U.S.C 1681 section 602 A States that I have the right to privacy. So reporting the inaccurate accounts blatantly disregard my rights. and according to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account information without my written instructions and I have not Giving Any written instructions to do so. 

These are Serious Violations of my rights. I feel situation is causing me alot of stress because I believe my rights have been violated purposely which makes me loose hope in this whole system. I hope this complaint compels this credit bureau to do their jobs more effectively with the consumers rights being respected.
Consumer complaint received 2023-01-17
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. (NC)

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 XXXX 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 : {$560.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$3400.00} XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Contacted Transunion in regrads to address my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. Also my name is XXXX XXXX not XXXX XXXX XXXX.
Consumer complaint received 2023-01-19
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. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$9100.00}
Consumer complaint received 2022-10-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

To I, XXXX XXXX XXXX, asking you to step into the issue I met during working with XXXXXXXX XXXX and Bank of America. 
I was going to purchase a vehicle from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX NJ XXXX XXXX, phone XXXX and did initial a wire transfer of {$20000.00} ( XXXX XXXX XXXX Dollars ) from XXXX branch of the XXXXXXXX XXXX XXXXn XXXX, XXXX on XX/XX/2022 ( check document attached ). Wire transfer reference number is XXXX Since that date the XXXXXXXX XXXX XXXXXXXX never received the money and I never got them back also. {$20000.00} just disappeared. We did initial investigation from both sides. XXXX XXXX XXXX representative was talking to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank of America New York ( bank-correspondent ) but everyone said they dont have my money. My XXXXXXXX XXXX put tracing on the wire, and it clearly shows that XXXX XXXX XXXXXXXX has my money ( check document attached ), but they dont follow my requests though XXXX XXXX I fill like my money are stolen and no one wants to give them back toy me. XXXXXXXX XXXX and Bank of America representatives dont want to talk to me because I am not their customer. They dont really want to talk to XXXXXXXX XXXX representative also, because XXXX XXXX is not a sender. The same time XXXX and Bank of America totally ignoring my requests from XXXX XXXX  This is a nonsense. I need your help please to get my {$20000.00} back. 
Thank you. 
XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX Phone : XXXX XXXX XXXX address : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Phone XXXX XXXX XXXX
Consumer complaint received 2023-05-24
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-03-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

In around XX/XX/XXXX, I had an issue with Mr.Cooper regarding my escrow account. Long story short, Mr.Cooper provided a letter confirming that they had a system issue that removed several taxes from my escrow. I was then backed up on taxes because of it and I was getting lettters from attorneys of posible foreclosure and lien on the house. After months of communications, the only solution that Mr. Cooper provided was that they were able to add the taxes back. However, the months I was backed up because of their error had to be added to my mortgage. Fast forward to XXXX and I am now having issues paying the extra {$300.00} because of hours being cut due to the corona virus and us losing hours at work. I would like for Mr. Cooper to pay for their errors and pay the remaining balance thats owed on the backed up escrow amount due to it being an error on their end.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I've been having this problem with Equifax for quite some time now, my credit score is a XXXX, they keep putting the same fraudulent accounts on my credit report even after having official documentation, Identity Theft Id # along with police records showing proof that the accounts does not belong to me, I missed one payment over a year ago due to being out of state for a funeral, paid it within days of due date and every week Equifax is still removing 50 plus points at at time, and claiming it's still for the one late payment, after speaking with a representative yesterday, not even 10 mins after the call he removes XXXX points off of my score. I mean at some point in time, in this lifetime somewhere it has to become a fair process for the consumers, it almost like modern-day slavery, you can't even get what you earned and have worked hard for, and you can't even have a conversation with the companies to rectify the problems in a professional matter, they will just go and remove points for unnecessary reason, I need help with this, I applied for auto loan and because of Equifax scores not being accurate and incorrect information on my credit report, This isn't fair, I work hard to pay bills and keep a healthy credit report and I deserve protection just like anyone else, this isn't my first time reporting Equifax to you guys, please help me with some real-life solutions and results.
Consumer complaint received 2023-06-20
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Delete this account.
Consumer complaint received 2024-05-17
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)

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (TX)

When I reinvestigated my credit report, I see that the same account was erroneous. The 3 credit Bureaus are required to reinvestigate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$20000.00}, XXXX XXXX Balance : {$20000.00}, XXXX  XXXX Balance : {$20000.00}