davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
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 looked at my report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate. 
I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number : XXXX XXXX XXXX XXXX XXXX XXXX  They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to 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 2023-10-06
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. (NY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06
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. (NY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-10-06
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. (GA)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX 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 2023-02-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: DISCOVER BANK (MO)

On XX/XX/XXXX I went online to check CD Rates for purpose of rolling over a retirement account in to a IRA CD. Discover Bank rates showed 4.4 % for all CD 's. It also on that same page showed in large print, Locking in you CD rate is easier than ever for the heading and then below, comments 1,2,3 Number 2 comment stated Make a deposit now or come back and do it later, whichever is easier. 
It is known up front by Discover that a rollover is a process that takes several days or weeks in this case. On the first day after opening this CD they dropped the interest rate. 4 days later they dropped the rate again. Still after 15 day, XX/XX/XXXX when the funding bank stated they mailed the check and today XX/XX/XXXX there has not been processing of the check and continued denial of receiving it. Regardless of the time to receive the check, which is out of my control, Discover should provide a grace period for funding and not keep reducing the rate daily or weekly. Discover Bank continues to default to a very small astrick that links to a very small print that states several comments with rates subgect to change until funded stuck in the middle of it all. With the very large print on the advertisement page contradicting this I would hope the large apparant false advertising should be first considered. Rate should be provided at the opening rate considering the funding bank processed and stated they mailed the check the next day. Since then Discover has completely changed the wording in this misleading advertisement to Omit, lock in your rate now.
Consumer complaint received 2023-10-06
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. (GA)

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 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 2023-06-17
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: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX EXPERIAN RE : Accounts : SELF FINANCIAL/LEAD BANK XXXX IS NOT MY ACCOUNT. 
PORTFOLIO RECOV XXXX IS NOT MY ACCOUNT PROFESSIONAL DEBT XXXX IS NOT MY ACCOUNT XXXX XXXX XXXX IS NOT MY ADDRESS XXXX WHITE MAGNOLIA IS NOT MY ADDRESS XXXX XXXX IS NOT MY ADDRESS XXXX XXXX XXXX IS NOT MY ADDRESS po box XXXX IS NOT MY ADDRESS Dear EXPERIAN, I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. App. LEXIS XXXX. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. As I am sure you are well aware, under FDCPA XXXX XXXX ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES XXXX XXXX FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. If this issue is not resolved soon and account deleted as well as incorrect address deleted, I will be forced to sue this company for reporting false and inaccurate information. 
I am also requesting any inaccurate personal information that does not belong to me be deleted immediately! As they are not reportable as per the FCRA, since they are inaccurate. 
Please make sure my address is reported correctly as XXXX XXXX XXXX XXXX Fl XXXX. 
I look forward to a speedy resolution of this matter. Sincerely, XXXX XXXX
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

On XX/XX/XXXX I visited XXXX XXXX for a week long vacation. I arrived to the hotel around XXXX XXXX on the XXXX and headed out the door at XXXX XXXX XXXXo a XXXX XXXX XXXX concert, I later found out the date of the concert was XX/XX/18. ( My mistake ) I walked across the road to a bar that I later found to be called the XXXX XXXX at approx. XXXX. I believe I had my debit card and phone at that time. At XXXX XXXX. while I was walking back to my hotel " the lucky in '' I noticed my phone and debit card were missing. On XX/XX/XXXX starting at XXXX XXXX. I tried to retrace my steps to find the missing items and had no luck locating either my debit card or phone. On the XXXX I went to the public library to track my phone using the " find my XXXX '' website when I found that my XXXX  ID and password on my phone had changed. At this point I knew there was something wrong, so immediately I walked to XXXX to use there land line phone. I used XXXX 's landline phone to put a hold on my card, and the representative told me there was fraudulent activity on my card, this was a shock to me because i thought this account was protected by my PIN that only I know. At this time me and the BOA representative went through all the fraudulent charges 1 by 1. The fraudulent charges added up to over XXXX dollars. I have XXXX dollars in open claims that are being researched. Another XXXX was denied and I was told by the claims department that it was closed and they denied payment because it was unlikely that the thief would have been able to guess my PIN in one try! Shouldn't that be a BoA security problem!?. I again have never gave my PIN to anyone. I would assume that Bank of America would only have to look at camera footage at the ATM 's to see it was not me making these transactions. Also there was purchases from major stores such as XXXX, XXXX, XXXX etc. Based on the transactions on my account the scammers knew exactly what they were doing. I have tried to resolve this problem multiple time with Bank of Americas fraud department and have escalated this issue to supervisors. I have faxed a police reports yesterday that was filed with XXXX XXXX Police department. I have been told a lot of misinformation along the way. One person told me that the FAX could only be seen during certain hours of the day, but today XXXX from Texas told me the FAX 's are available to the fraud department minutes after sent. I am fed up with the disorganization and am really upset with humanity at this point. I'm a career XXXX  that's job is based on my integrity, and it seems like that being questioned by bank of America. I have contacted my lawyer and am willing to take this as far as needed to get this resolved. I'm concerned because I was left with almost no money after the theft and now I don't have money to bay my beginning of the month bills. Let me know of any further information needed. 

Note : ALL TRANSACTIONS MARTKED WITH A *X* ARE FRAUD
Consumer complaint received 2023-10-04
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. (OH)

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.

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 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the night of XX/XX/XXXX, I was wrongful robbed, defrauded, and XXXX by I believe XXXX  in XXXX XXXX. They took a total of at least {$10000.00} using my drugged state to send themselves XXXX 's and XXXX cash payments cleaning out my entire bank account. Cleary, they were all sketchy payments to names I have never sent money to before nor had prior activity for especially the amounts that were being sent. I went to Bank of America to file a claim and they said it was a robbery only not fraud and only the police can do something about it. I was going to file a police report but after doing research, this XXXX happens all the time, you maybe hear from a detective in 10 days and then nothing happens they always get away with it. 

I filed a claim for fraud with Bank of America and they denied it. I looked up the definition of fraud and it states : wrongful or criminal deception intended to result in financial or personal gain. Wow, sounds very much like what happened to me. In my head, I thought, what is the point of having a bank if they don't even protect you with things like this? there isn't. And Bank of America can even replace {$10000.00} to help a wronged customer? Like they don't have the money. 

Anyways, I'm grateful I'm alive, it could have been much worse but I am disappointed in the way the Bank of America Associates treated me, like I was the big XXXX up and why should I help kind of attitude. The worst customer service I have received and treated by a bank. And they didn't provide a service they claim to provide to the customer.
Consumer complaint received 2024-03-13
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I'm writing to ask for the removal of late dates on disputed items from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXX - XXXX XXXX XXXX Date Open : XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX.
Consumer complaint received 2022-11-03
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. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-13
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. (MO)

I am writing to express my frustration and disappointment regarding the multiple unsuccessful attempts to remove late closed and charged-off accounts from my credit report. Despite numerous requests and efforts on my part, these derogatory marks remain, significantly impacting my creditworthiness and financial standing. 

To provide context and a timeline of events : In my initial communication, I provided detailed information and documentation to support my claim that these accounts were inaccurately reported and should be removed from my credit report. 

Despite assurances of resolution, no action has been taken to rectify this issue. 

Frustrated by the lack of progress, I made subsequent attempts to have these derogatory marks removed from my credit report. However, each attempt has been met with delays and unsuccessful outcomes. 

The presence of these inaccurately reported late closed and charged-off accounts is significantly impacting my creditworthiness and financial opportunities. I have diligently followed the necessary procedures to address and rectify this issue, yet it persists, causing undue hardship and frustration. 

I urgently request that you take immediate and decisive action to investigate and remove these inaccurately reported accounts from my credit report. I expect a swift resolution to this matter, including the complete removal of all late closed and charged-off accounts within [ Revised Timeframe ]. Additionally, I request regular updates on the progress of this matter to ensure transparency and accountability. 

If the inaccurately reported accounts are not removed from my credit report within the specified timeframe, I will have no choice but to explore further avenues of resolution, including seeking legal remedies to protect my rights as a consumer. I trust that such actions can be avoided, and I hope for a timely and amicable resolution. 

Please treat this matter with the urgency and seriousness it deserves. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX  XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
XXXX XXXX XXXX : {$810.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.