davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (OH)

XX/XX/XXXX, I applied for an Apt online. XXXX XXXX do accept Section 8 voucher. I applied online application that required a XXXX Deposit. I paid the deposit. Then I was denied do to a policy XXXX XXXX said they can not sign a document with the Section 8 program. They charged me XXXX plus XXXX for a policy they are aware of. I disputed the charge with my credit card company, I was issued a refund. I also reached out to the XXXX. The XXXX  had XXXX XXXX reach out to me. I spoke with someone from XXXX XXXX and advised them, I did not owe them money for a policy they were aware of. XX/XX/XXXXXXXX  a debt collector called me demanding XXXX.
Consumer complaint received 2023-03-17
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. (IL)

A investigation was stared on XX/XX/XXXX for me to receive proper documentation of proof that I XXXX XXXX XXXX XX/XX/XXXX XXXX last XXXX XXXX XXXX XXXX XXXX XXXX IL Account open date XX/XX/XXXX have a account with : XXXXXXXX XXXX Acct # XXXX No such account was open. 
It is now XX/XX/XXXX and proof of documentation has been provided to me within the 30 days.Please remove this item from my Credit Report
Consumer complaint received 2024-03-30
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. (FL)

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 XXXX 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 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/XXXX around XXXX XXXX  EST, I spoke with XXXX from American Express. I explained that Covid-19 was causing me money issues. She asked if I could pay my bill, " Do you think you will be able to pay this payment due in next 30-60 days? '' I replied with, " the full amount I would say 60 days safely. '' I explained I had been a member for 16 years and they agreed. When I told her I could pay {$400.00} on XXXX XXXX, she proceeded to offer me only 48 days after just. She then quickly offered a longer plan that cost interest over the long term. I feel this was a bait and switch praying on those in need with Covid-19. 

After this attempt to arrange payment, they started calling me with disconnected calls throughout the day and also after XXXX at night. At XXXX on XX/XX/2020 I received a call from XXXX from a person who I could not understand his name, all I could make out is he was from American Express . I asked if he was a debt collector attempting to collect a debt and he refused to answer stating only that he was from American Express. I informed him the law prevented him from calling this late at night and that it was XXXX at night. The following night again at XXXX on XX/XX/2020 they called again refusing to identify as a debt collector. I identified that it was XXXX and they were violating federal law. That night they called again at XXXX on XX/XX/2020 again not identifying themselves as debt collectors. On the third time it is clear this is harassment and not an accident. 

On XX/XX/XXXX at XXXX, I spoke to XXXX and attempted to settle this debt under their Covid-19 offerings but they said I was no longer eligible and that I could have payments deferred under their interest accruing plan. I declined and ask that XXXX ensure their call logs for the phone calls that violated federal law not be destroyed. By the conversation, it appears they still did not have my number labeled as an EST time zone. XXXX said, " I have raised a complaint from my end and the team will work to stop the calls post XXXX EST. '' This leads me to believe they will continue the harassment and have no regard for me other than trying to collect a little extra on the account. 

I am requesting action be taken because of the violations ... 
Harrasment : repeatedly use the phone to annoy you
Consumer complaint received 2023-03-17
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. (NY)

I accidentally made a charge against my personal XXXX card in XXXX. The charge should have been made against my corporate account. When I realized the error, I immediately paid off the account and asked XXXX to close my personal card. I made the request as my corporate and personal cards were very similar in appearance and I did not want to make the same mistake again. 

XXXX however, did not close the account in XXXX as I requested. They kept the account open and reported it as a late payment Experian in XXXX. On reviewing my account, I saw that Experian used a XXXX issue to downgrade my score in XX/XX/XXXX. 

I need to know why Experian and XXXX waited 5 years to act. This will remain as a negative on my credit for 7 years. Why was it not managed 5 years ago? Experian does not seem to have basic commonsense or the willingness to review issues that deeply impact consumers credit worthiness. They expend a lot of energy trying to sell additional credit card and loan services to me. 

I need this issue resolved. It clearly happened in XXXX. Both XXXX and Experian must revisit their decision to report it five years later. This should not be treated as a new event. This has seriously impacted my and my daughter 's credit.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : 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 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX TRANSUNION CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX ACCT. # XXXX XX/XX/XXXX, XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$1600.00} ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00}.

Failure to respond satisfactorily with deletion of the above referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC $ 1692g violations Fair Credit Reporting Act 15USC {$1600.00} violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Send out a free copy of my report after the changes have been made. 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2023-05-25
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a voicemail on behalf of Kohls sometime on or around XX/XX/XXXX to which I responded to by returning their call. I was informed they had yet to receive my payment. After looking further into the matter ( remind you I have never been late ) it was discovered that my address had not been updated and that automatic payment was not on ( which I thought I had my account set up for ). The payment was made at this time over the Internet as the agent stayed on the phone and the agent confirmed. My very next question to the agent was late reporting. The agent responded to me and I quote " You will not be reported late '' " Kohls reports late after 60 day period ''. My late fee was even refunded at this time. I promptly made sure my account was set up for automatic payments. 
I received notification from the credit bureau that I had a negative item being reported on my account on XX/XX/XXXX and it was Kohls. I then emailed Kohls 's customer care explaining the situation. Kohls responded with their " I don't care attitude '' that they were reporting correctly and there was nothing that could be done. Come on Kohls? Really Kohls??. I have worked in the credit bureau and that is far from the truth as we both know you can remove this reporting. I have been such a long-term customer of Kohls and XXXX am shocked at their response back. I responded to the email that I would be issuing a complaint through your office cfpb which brings me back to a complaint being filed. I thank you as always for your assistance in such matters. 
On a personal note, one would think that a department store would value its customer/s in a time of such disarray and uncertainty with the economy
Consumer complaint received 2023-03-17
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)

Equifax remains in violation of 15 U.S.C. 1681g. This is a dispute against " XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, DATE OF LAST PAYMENT, TERM DURATION, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, ACTUAL PAYMENT, DATE OF LAST PAYMENT, TERM DURATION, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION, ACCOUNT HISTORY. '' The information currently reported is inaccurate, false, and incorrect. 1 ) According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must maintain accurate and complete credit reports for consumers. Reporting a business account on my personal credit report violates this statute, as it inaccurately represents my credit history. 2 ) Uniform Commercial Code ( UCC ) establishes that a personal guarantor is not personally responsible for the debts and liabilities of a business. As such, the business account auto loan registered to the business should not be listed on my personal credit report. 3 ) Violation of FDCPA Section 809 ( a ). I was a personal guarantor for a business account auto loan where the car was registered in the name of the business. I have attached the registration showing the business name on the registration. The business and its assets are separate from my personal credit report, and therefore, this account should not be reported on my personal credit report. All information reported on my credit report must be accurate and up-to-date or immediately deleted. This is a demand to immediately delete all inaccurate, false, and incorrect information from my credit report.
Consumer complaint received 2023-03-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (PA)

I am writing to request the removal of certain information from my file. The specific items that I require to be deleted are listed in the report enclosed with this letter. I have been the victim of identity theft, and I did not authorize the charges in question. To correct my credit report, I am requesting that these items be deleted. I have already reported the identity theft to the Federal Trade Commission, and I have enclosed copies of their identity theft affidavit for your reference. I kindly request that you take prompt action to delete the aforementioned items from my file as soon as possible. Thank you for your understanding and cooperation in this matter.
Consumer complaint received 2015-04-08
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am hoping that someone can bring resolution to my ongoing issue with my credit card company. I have a credit card through Capital One for over XXXX years now and despite numerous attempts to obtain a lower interest rate of 19.8 %, I was advised that they do not a reduced interest option for repayment. I spoke with a representative yesterday about being put on a payment plan to pay the card off and she advised me that Capital One does not offer this option and the rate stays the same as when the card was opened. Of a minimum payment of $ XXXX monthly, XXXX has been going to finance charges. I am wanting to pay the card off and hope that this bureau can help bring me some resolution
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.
Consumer complaint received 2023-03-17
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: FIFTH THIRD FINANCIAL CORPORATION (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have been waiting over 3 years to figure out if Bank of America gave me a card for my unemployment, originally I was frozen out and had to give way more to get unfrozen, but XXXX stated there is little they can do and it took 3 years to get them on the phone due to high traffic, I was finally able to pass the number to XXXX and was told I was not frozen anymore because I didnt have the card to call or log in online I was stuck in the middle of getting no where whenI needed it most, somehow I get a rep to tell me from XXXX recently that the funds were sent out and I was to have XXXX  years of benefits on the card, I never had the original card somehow it was duplicated and used, I was supposed to have over XXXX on the card when I reset the online boa portal it looks as if I it was in use, I would like to get all full investigation on this as to how this is possible, I ordered a new card yesterday and when I asked about the bank statements but I had no card, they reordered my card and now Im waiting XXXX just to have a card to be able to try to ask for my unemployment money back I want to file a full dispute on Bank of America for basically stealing my funds. Im going to be trying to look into full provisonary credit I spoke with the agent but will start processing it after I can at least get my hands on my own card its sad I been going through this for over 3  years just to finally be eligible in a hardship time for my own money to be missing.
Consumer complaint received 2024-03-18
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. (LA)

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 XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/2022 XXXX XXXX  XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 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 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NC)

The following companies are not following the FCRA laws and rules regarding reporting late payments. 
XXXX XXXX XXXX XXXX XXXX XXXX American ExpressXXXX XXXX XXXX Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.