davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The bank of America ( XXXX XXXX rewards ) credit card is no longer provide service, but still charge credit annual fee on XX/XX/2022 for coming year. when I contact bank service om XX/XX/2022, she told me it is non-refundable for no longer service credit.
Consumer complaint received 2023-06-11
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 (GA)

while I was away in Florida training from XX/XX/XXXX- XX/XX/XXXX for a XXXX career. When I returned home to start inquiring about buying a home back home in Georgia, I pulled my credit report to check status and notice a few accounts on my file I did not apply for. I called the companies on my credit report and they said that it was accurate. I told them that it was not me I was in Florida and that it had to a mistake. I talked with the loss mitigation department with each company, and each one informed me to file a report of identity theft and submit the required documentation to so that they can initiate an investigation and have my credit report updated.
Consumer complaint received 2022-11-28
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 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 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Entrata Inc. (NV)

The company RESIDENT VERIFY by XXXX DENIED my application to lease a TOWNHOUSE. Saying that I have a " EVICTION FILINGS & PUBLIC RECORDS '' I have NEVER been evicted. in fact I have lived in a house I've OWNED for over 10 YEARS!!!!!! THIS IS MY FIRST TIME IN OVER 10 YEARS applying for a rental property. NOR DO I HAVE ANY PUBLIC RECORDS ON FILE. WITH THAT BEING SAID. THIS ERROR ON MY RESIDENT VERIFY REPORT IS AFFECTING my living conditions a great deal! Please investigate this IMMEDIATELY.
Consumer complaint received 2022-11-16
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. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I, the consumer and natural person, was denied credit by JPMorgan Chase Bank , National Association when I applied for consumer financial product or service referred to as Chase Freedom Card. Adverse action against a me as consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. JPMorgan Chase Bank , National Association is subject to criminally liability for violating 15 USC 1691 as I have proof that I was discriminated against by JPMorgan Chase Bank , National Association due to the response I received in adverse action letter. JPMorgan Chase Bank , National Association is in violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because I, the consumer tendered valuable completed application in good faith, but credit was not issued. Furthermore, because my social security account number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) by fiduciary, JPMorgan Chase Bank , National Association.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRUIST FINANCIAL CORPORATION (TX)

I had not been checking my credit regularly. Last XXXX I attempted to open a credit card at XXXX XXXX. I was denied my request. I received a letter stating I had deliquent charges. I decided to review my credit report via my bank and noticed that i had dropped dramatically. I then realized that there was activity with Truist Bank which I had not done. 
I went to a local branch and found out that there was a checking, saving and a credit card opened using my personal info. I realized I had been a victim of identity theft. 
My credit score it has been negatively impacted and I need to ensure all of those transactions are removed from my history.
Consumer complaint received 2023-05-15
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-04
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)

I was told that once I paid the settled amount for this account that it would be deleted from my credit report. I have paid this account off. Also, they are reporting inaccurate information on my credit report because the date of last activity is not reporting correctly from all three bureaus. According to 15 U.S.C. Section 1681, these companies have violated my rights. 

XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-09-06
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. (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. 

XXXX XXXXXXXX XXXX XXXX ( Account # XXXX ), has violated my rights XXXX XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXX XXXX  Account # XXXX ), has violated my rights XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX ), has violated my rights XXXX XXXXXXXX XXXX  XXXX Account # XXXX ), has violated my rights XXXX XXXX XXXX  Account # XXXX ), has violated my rights XXXX XXXXXXXX ( Account # XXXX ), has violated my rights US BKPT CT XXXX XXXX, Bankruptcy XXXX XXXX has violated my rights US BKPT CT XXXX XXXXXXXX, Bankruptcy 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 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IL)

JPMCB. CHASE CREDIT CARD STILL SHOWING OPEN - NEED ATTENTION I DISPUTED ACCOUNT CLOSED - INCLUDEF IN BANKRUPTCY IN XXXXXXXX XXXX SEVERAL TIMES NOW STILL THERE
Consumer complaint received 2023-03-04
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. (TX)

I sent a letter on XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I received a targeted email from Capital One in XX/XX/XXXX inviting me to apply for the Quicksilver credit card ( a card I previously had but was closed due to inactivity ). I applied on XX/XX/XXXX, and surprisingly, was immediately declined even though my credit score, based on Capital One 's XXXX tool, was XXXX or " Excellent. '' As I monitored for the adverse action notice, I continued to receive similar advertisements targeted to me about the special Quicksilver card offer. Upon reviewing the adverse action notice, I felt deceived as Capital One 's XXXX indicated I had excellent credit. I was planning to file a complaint at that time but time slipped away. 

Fast forward to XX/XX/XXXX. I received a similar advertisement via email indicating that my " loyalty hasn't gone unnoticed, '' inviting me to once again apply for the XXXX card. I applied again on XX/XX/XXXX, and was immediately declined. The adverse action notice I later received ( dated XX/XX/XXXX ) indicated my application wasn't approved based on the " number of bank cards tradelines opened in the last 24 months '' and that " there are too many revolving accounts. '' This is concerning as the advertisement was targeted to me even though Capital One 's XXXX tool already outlined the number of new accounts I had opened within the last 24 months as well as the available credit across all accounts. Furthermore, based on Capital One 's XXXX tool, my score actually declined since previously applying in XX/XX/XXXX ( to XXXX ). Although Capital One 's advertisement indicates within the " Frequently Asked Questions '' section that " your XXXX credit score will not factor into the decision to approve or deny your application, '' it is a misleading tool. It is like Capital One saying we are going to create this tool to help you manage your credit score, but we aren't going to stand behind it.
Consumer complaint received 2023-03-07
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. (CA)

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

XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.
Consumer complaint received 2022-09-06
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. (MO)

I sent a letter on XX/XX/2022 to the Credit Reporting Agencies requesting that the Credit Bureaus conduct another investigation on my Credit Report and verify the information being reported by the Accounts on my Credit File. I am frustrated and feel there are many errors that are still being reported on my personal Credit File. The Credit Reporting Agencies are required to validate the disputed Accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable for the Credit Bureaus to continue reporting the disputed accounts without providing me any proof of verification within the time period allowed by law. I am submitting this CFPB complaint to remind the Credit Reporting Agencies to verify the accounts being reported on my Credit report and correct or remove any erroneous accounts from my Credit report : XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-05-23
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. (OK)

On my consumer credit reports from XXXX and Equifax, there is a auto loan from XXXX XXXX XXXX XXXX account # XXXX ... .opened XX/XX/2017. 
The problem is that the account list Terms of 84 months and the contract shows 71 months for the term of the loan and the contract also shows a purchase price of {$26000.00} and the account listed on the credit report shows a purchase price of {$24000.00} The account is not listed correct on the credit report, and the FCRA does state that everything on a consumer credit report must be 100 % accurate. I have tried to get the account corrected or deleted from the report for this violation, but the Equifax and XXXX CRAs just says the account comes back as verified but they do not say how they did the investigation on the account. This is a clear violation of my rights and would like to have this situation solved. Also the account shows 2 late payments and they never could prove to me that there was ever a late payment on the whole account. Both CRAs have a copy of the contract with this account proving everything I have tried to get corrected on the account. XXXX deleted the account for not reporting correct.
Consumer complaint received 2023-07-17
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: Colony Brands, Inc. (NC)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$4400.00}
Consumer complaint received 2022-11-28
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. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXXL XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I have a couple hard inquiries that I did not authorize, i did not give permission for my credit to be ran, and i would like them to be deleted immediately off my credit report. I have filed a report with the ftc and would also like for those inquiries to be deleted off of my credit report.
Consumer complaint received 2022-11-28
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. (MD)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX