davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding inaccurate information listed on my consumer report. Specifically, the account in question, XXXX, has been inaccurately labeled as a charge-off/collection, which adversely affects my creditworthiness. 

The aforementioned account pertains to a vehicle loan that was rendered null and void due to a natural disaster resulting in the total destruction of the vehicle. It is imperative to note that at the time of the incident, the vehicle was fully covered by insurance provided by XXXX XXXX. Following standard procedure, XXXX XXXX deemed the vehicle a total loss and duly compensated for the damages. 

Contrary to the inaccurate designation of the account as a charge-off/collection, the account was not in collections. Rather, it was terminated due to unavoidable circumstances beyond my control. Thus, the reporting of this account as a charge-off/collection is a blatant misrepresentation of the facts and violates the provisions outlined in 15 U.S. Code 1681b regarding the accuracy of consumer reports. 

Furthermore, XXXX XXXX XXXX XXXX 's actions contravene the regulations set forth in 15 U.S. Code 1681s2 regarding the responsibilities of furnishers of information to consumer reporting agencies. Specifically, XXXX XXXX XXXX XXXX is in violation of 1681s2 ( 1 ) ( A ) by furnishing information to consumer reporting agencies with actual knowledge of errors and also in violation of 1681s2 ( 1 ) ( B ) by continuing to report inaccurate information even after being notified of its inaccuracy.

As per the aforementioned sections, I am entitled to have inaccurate information promptly removed from my consumer report. Therefore, I demand that XXXX XXXX XXXX XXXX cease reporting the inaccurately labeled account and take immediate steps to rectify the erroneous entry on my consumer report. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX XXXX complies with the pertinent regulations governing consumer reporting.
Consumer complaint received 2022-11-23
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. (TX)

In according with the Fair Credit Reporting act XXXX, Account name- 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.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive spoken with each credit reporting agency about this matter. They was suppose to be removing inquires within XXXX hrs and mail updated copy of my report which none of the companies did. Which is a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Ive spoken with each credit reporting agency about this matter. They was suppose to be removing inquires within XXXX hrs and mail updated copy of my report which none of the companies did. Which is a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-17
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: JPMORGAN CHASE & CO. (IL)

I have disputed this account 5 times and sent in all my information to verify it is myself making the request. I have applied for a full file disclosure and have not received one.
Consumer complaint received 2017-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (MD)

On Monday, XXXX XXXX XXXX, I tried to get a passcode from M & T Bank, to access information about my bank accounts, instead of having to provide the first 5 digits of my Social Security number. I did this on the advice of the local police department, which advised citizens to take this action in light of the XXXX hack. I spent hours on the phone and even visited a local branch of my bank. I was given wrong or contradictory information on the phone and in the bank and was kept waiting on the phone and in the bank for inordinate amounts of time. I never was able to register my concerns about bank security or get a passcode. 
On Wednesday, XXXX XXXX, I phoned my Congress member 's local office to ask for their help. They tried to contact the appropriate department of M & T Bank but were also given a run-around. I 'm very concerned that an identity thief could easily gain access to my account information via the bank 's automated customer service on the phone, and the bank appears to be completely unconcerned about this big hole in its security system. M & T Bank should stop using social security numbers as identifiers and provide any customer that asks for one with a passcode. It 's also frustrating that the bank systematically conceals contact information from its customers, making itself inaccessible and unaccountable. It 's impossible to find relevant phone numbers for its security office on its website or from phone customer-service personnel. Because of the XXXX hack, the bank should take action to correct these problems as soon as possible.
Consumer complaint received 2023-06-03
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 sent my Notarized FTC Report, PA license, 15 USC 1681c-2 by certified mail to XXXX, Equifax, and XXXX. I am a victim of identity theft.
Consumer complaint received 2023-01-07
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. (MD)

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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

These accounts on my credit report I do not recognize. The following accounts are fraud accounts and need to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *
Consumer complaint received 2023-01-07
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. (MD)

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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

These accounts on my credit report I do not recognize. The following accounts are fraud accounts and need to be removed immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *
Consumer complaint received 2023-01-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Medical Data Systems, Inc. (FL)

on XX/XX/2022 I drove myself to the XXXX XXXX per orders from my XXXX doctor office. I had passed out at my home, after I woke up, I tried to make an appointment with my doctor 's office. and they ordered me to go to the ER, I walked into the ER and they admitted me. I spoke with the nurse and ER doctor, and he wanted me to stay, and I refused, I told him I was following the orders of my primary doctor 's office. He told me I could stay for a few hours to make sure. I was drugged and woke up, in a upstairs room where the nurses said I was staying for XXXX XXXX XXXX days. I demanded to be release, and the nurses argue with me and I demanded to speak with the head nurse, I demanded to be release, because I did NOT feel save in a hospital room, she told me I would need to speak with my assigned doctor, I walked out the next day and suddenly I started to get phone calls and letters demanding payment. My medical insurance pay for the ER visit I was never authorized for me to stay in the upstairs room. 
I am being harassed with phone calls from bill XXXX. I spoke with the hospital administrators and expressed my dissatisfaction on how I was drugged and force to stay and there was only a minor setback on my health due to stress. 
I was given a prescription for XXXX. I need these bill XXXX to stop the phone calls.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

My credit card was cancelled and closed. On XX/XX/year>, subsequent to the cancellation, XXXX XXXX issued a pending refund to my Wells Fargo debit card ending in XXXX. Upon reaching out to XXXX XXXX regarding the refund, they confirmed that the refund has been processed and is with the card issuer. 

Despite my numerous attempts over the past 4 months to communicate with Wells Fargo about the outstanding balance, I have been unsuccessful in engaging the accounting department to process the refund. Despite contacting Wells Fargo via both phone and email, their response remains consistent : that I should contact XXXX because a refund can not be issued on a cancelled account. However, this assertion is incorrect, and Wells Fargo is unwilling to investigate the matter further to facilitate the refund.
Consumer complaint received 2022-11-26
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I woke up to 4 welcome emails this morning from Bank of America congratulating me for an Advantage SafeBalance Banking account that I did not open. When I attempted to call to inquire about the fraudulent account, I was unable to get past the first prompt of the automated system because I didnt have an account number for a XXXX XXXX When I searched online to see if this was a common issue, I saw several posts on XXXX from others, dating back to very early in the year, who have experienced the same problem. Bank of America is clearly not requesting the right information to open a new account and criminals know that when a consumer catches wind of it, they wont be able to fix it before the damage is done. Bank of America needs to remedy both of these issues asap.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I hope all is well All three credit bureaus are saying I made heavy use of available revolving credit and this is no longer correct it needs to be taken off and fixed. Im not making heavy use of available revolving credit my debit to income ratio is XXXX percent. The remaining balance on non mortgage or installment loans are to high and this is incorrect I dont have a mortgage or no installment loans this needs to be removed as well and reflect correctly.
Consumer complaint received 2022-11-27
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)

In accordance with the Fair Credit Reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidntiality under 15 USC 1681 Account Name XXXX XXXX XXXXXXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A, states i have 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 containing any of the following items of information, any other adverse item of information, other than records of conviction 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 report
ing agency if the person knows or have reasonable cause to believe that the information is inaccurate
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Just made a payment of {$350.00} to  XXXX  card the other day.     The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.
Consumer complaint received 2023-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (GA)

XXXX XXXX XXXX XXXX XXXX : in the amount of {$230.00} Reported : XX/XX/2022 I have disputed this account with this company several times and they have yet to prove validation of this debt. I have never had an account with them and i have not signed any contract and i do not owe any companies or have done any business with whom they are collecting on behalf of.
Consumer complaint received 2023-01-07
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)

NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC
1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

account XXXX XXXX XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2017-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

Recently I have received credit card ( mailed  ) by Synchrony Bank, without my previous request. When I tried to activate the card, I was mislead to close my old account and open a brand new one which caused negative effect on my credit score and affected all my future financial plannings. I reported this situat ion to the Bank, they shown little understanding about the situation they involved me, in which by my opinion I was dragged in without my request or desire.
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX, I was approved for a {$200.00} Capital One Secured Credit Card with a {$99.00} Security Deposit. Capital One advertises that their secured card is eligible for upgrading to an unsecured card and also a higher credit line in 6 months after an automatic account review. 
After 6 months of having the secured card, Capital One never automatically reviewed my account. Therefore I applied myself for an account review for an upgrade to an unsecure account and a higher credit line. On XX/XX/2022, I received a response saying that a Secured Card is not eligible for unsecuring or for a higher credit line. 
Capital One 's advertising practice for their secured card is unfair and deceptive. Through Capital One 's deceptive design practices known as " dark patterns '' I was effectively tricked and manipulated into applying for their secured card. 
As a result of Capital One 's representations and omissions in advertising for their secured card, I was manipulated into making choices that I otherwise would not have made. Capital One intentionally made false statements and omitted material facts and is in violation of the FTC for their unfair and deceptive business practices.
Consumer complaint received 2023-01-07
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: Atlanticus Services Corporation (NC)

XXXXFORTIVA ... .has been reporting 8 missed/late payments for XXXX, XXXX, XXXX, XXXX an XXXX of XXXX. XXXX XXXX, XXXX and XX/XX/XXXX totaling 8 payments This payment history is only showing on my XXXX profile. I've reached out numerous of times and they have still said that its accurate. They have been working against me throughout this process.
Consumer complaint received 2024-03-31
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. (NC)

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. 
The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. 
Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. 
Here are the inaccuracies I have identified : Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Reason : Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation of 15 USC 6802 and I do not consent.

Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.
Consumer complaint received 2023-01-07
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. (OH)

Greetings, this reporting agency has caused great harm to me the consumer. I never gave this reporting agency written instructions to access my consumer report. This agency is in violation of title 15 US Code 1681A ( 2 ) attached is copy of the title that this reporting agency violated.