davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (NV)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I am the author of this complaint and the associated attachments included in this complaint on XX/XX/2023 I submitted a complaint to Chexsystems about a inaccurate account that's currently reporting on my credit report I was told that the account was verified but I never received the method of verification according to 15 USC 1681i ( 7 ) Please see the following attachment
Consumer complaint received 2023-07-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (KS)

Unfortunately my home mortgage was sold to Flagstar, which is the worse company for it to be sold too. My experience with Flagstar has been horrible to say the least. There commutation with me has only been one email saying welcome to Flagstar in XXXX. Than on the XXXX th day of XX/XX/2023 I get a voice mail saying I need to call Flagstar. So, I call Flagstar and found out that my account has gone to their collections dept. I asked the repressive why my account is in collections when I have not ever missed a payment on my mortgage for over ten years. The rep advised that my auto payments had been cancelled and that I would have to wait 45 days for them to be reinstated auto payments and set them up on line. I asked why where auto payment cancelled her response was because I did not conform my account. I said Flagstar has been taking out the payment on the tenth of every month since XXXX. Why did it change? The rep response was because you did not conform the payments so they dropped off the account. I asked the rep how could Flagstar drop off my auto payments for no reason and not give me any form of notice? The rep advised that Flagstar has sent me emails and letters in the mail. I checked my email and the spam box there was only one email there and that was welcome to Flagstar email in XXXX that was all. I have been receiving the statements but the is no information in the statements about my auto payments dropping off my account or my due date has changed. The rep advised we sent them and she tells me that my due date has also changed to the 1st of every month which was on the 15 of every month with XXXX XXXX again Flagstar changed this with out contacting me in any way. I feel that this type on negligence from Flagstar, and is a malicious attack on my good credit and a way for Flagstar to take my personal property.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-10-21
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. (CA)

In accordance with the fair credit reporting act they violated my privacy and confidentiality under 15 U.S.C 1681. Accounts for XXXX XXXX, XXXX XXXX XXXX Acct # XXXX ; XXXX XXXX XXXX acct. # XXXX, XXXX XXXX acct. # XXXX ; XXXX  XXXX  acct  # XXXX ; XXXX XXXX XXXX acct # XXXX ; XXXX XXXX XXXX, XXXX acct # XXXX ; XXXX XXXX XXXX acct XXXX XXXX ; XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX ; XXXX XXXX  college district, student # XXXX ; XXXX acct # XXXX have violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 section 604 A section it also states a consumer reporting agency can not furnish a account with out written instructions. 15 U.S.C 1681 C. ( a ) ( 5 ) section states no consumer reporting may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes which antedates the report more than 7 years. 15 U.S.C 16815-2 ( 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 accurate.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

My vehicle was broken into twice and my personal information was stolen. I immediately filed a police report. I also contacted the IRS and filed the identity theft claim and the federal trade commission. I sent certified copies of police reports, IRS reports and the identity theft report from the federal trade commission and experian, XXXX and XXXX refuse to move fraudulent accounts from my report.
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (NJ)

Hello there! I had opened my ulta credit card inthe store like XXXX and After that I tried to pay it off every month. But in covid, I was not working and they kept charging me interest rates for my purchases for XXXX. I tried to contact them but they always used to hang on me. I am a student and I had part time job and I have other credit cards with this company which have similar interest charges. I do not understand if I did not make any purchases after XXXX, then how I am still paying the all the credit cards. This company had overcharged me and also they call me consistently if I did not able to pay them. Their website always used to collapse, which makes me harder to pay the balance. I wanted to close their credit cards but looks like forever paying their debt. I think I am not the only one with this issue since I had read some other people post on XXXX about the same issue. I would like to request you to please help me with this. I had attached my XXXX statement and XXXX statement so you can see how I am still paying for XXXX bills.
Consumer complaint received 2023-07-23
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. (NY)

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 2023-07-30
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: Bread Financial Holdings, Inc. (MS)

I recently decided that I wanted to purchase a home, so I decided to pull up my credit report and was shocked by some of the things that were reported. I tried to resolve the issue by reaching out to the company stating I was not aware of the debt listed and wanted it to be verified. The company failed to verify the debt, but continued to have it remain on my credit report. According to the 15 USC 1681 law there should not be any damages on my credit report. I would like for this to be resolved immediately.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

This is to inform that i have not given your company any consent to furnish any accounts on my behalf. i do understand that your company assumed this role. But because of your reporting it has drastically affected my livelihood. I have been denied limit increase on credit cards Also been denied credit cards. Due to your organization furnishing accounts without my consent.

There is no law that says that stats anything needs to be reported to a consumer reporting agency. Which makes you liable for what is being reported.

Also, according to 15 USC 1681 ( a ) ( 4 ) a consumer reporting agency must exercise their grave responsibility with fairness, impartiality, and a respect to the consumer rights to privacy Your organization didn't honor your responsibilities with fairness impartiality, nor did you protect my rights to privacy.

I request that you give me a piece of evidence that the information which is being reported has been properly investigated Also provide details of the system adopted by your organization to determine whether the transactions took place or not. I have been trying to handle this matter since 2021 and also seen an article that shows that your organization have not been properly investigating consumer disputes.

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization didnt not adopt such procedures that meet the need of commerce for consumer credit as a result I demand that you do the following XXXX. Delete the following late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept of Ed? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delete the following collections and charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your cooperation
Consumer complaint received 2023-02-14
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX BANK XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (VA)

Complaint # XXXX ( ID XXXX ) was handled unbelievably poorly. 

Equifax provided three excuses for their total failure in their providing me with my credit report, which yet again is their legal duty : 1. You have not applied for credit recently This is vague to the point of rendering the whole statement meaningless. What is " recent ''? I use a credit card which I therefore by nature applied for with my credit. 

2. You have not actively used your credit in the last ten years This is incorrect. I have a credit card in my name in monthly use. 

3. You have not lived in the United States or have not been issued a United States Social Security number This is correct. I work and pay taxes, in part with my social security number, and was born in ( and currently live ) in the United States. Obviously. 

Further, they made no mention, explanation, or even basic acknowledgement of their having hung up on me multiple times in my absurd endeavor to bring them back within the bounds of the law, but instead ( unhelpfully ) referred me to call the same number again, and provided no provision or alternative to this provably non-functional " way forward. ''
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: EQUIFAX, INC. (OH)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  {$0.00} U S DEPT OF ED/XXXX XXXX XXXX XXXX {$0.00} U S DEPT OF ED/XXXX XXXX XXXX : {$0.00} U S DEPT OF ED/XXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$7200.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} U S DEPT OF ED/XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I consumer XXXX XXXX instructed CAPITAL ONE to stop all communications in attempting to collect alleged debt. CAPITAL ONE states that the account they created is in cease and desist status and they will not communicate about alleged debt. CAPITAL ONE has lied in their deceitful practices by reporting my private information to third parties such as XXXX, XXXX, and XXXX. These are third parties and CAPITAL ONE must have my consent before reporting my information and false debt. This alleged debt is disputed and not verified. CAPITAL ONE is in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, and the Privacy Act 15 U.S.C. 6809. CAPITAL ONE CEASE AND DESIST IMMEDIATELY from sharing my private information of alleged debt. CAPITAL ONE can not verify the consumer through her social security number pursuant to the Privacy Act of XXXX
Consumer complaint received 2024-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Formal Complaint Against Bank of America XXXX Unprofessional Conduct and Discrimination Dear CFPB I hope this letter finds you well. I am writing to file a formal complaint against Bank of America regarding a series of troubling incidents that occurred during my recent visit to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ) on XX/XX/2023 and XX/XX/2023. 

During my visit onXXXX, I encountered difficulties completing a wire transfer despite providing proper identification and account information. The banker, who identified himself as the Assistant Vice President and Branch Manager, insisted on utilizing a smartphone to click on a texted link for verification. Unfortunately, the provided link was unresponsive, and despite my attempts within the allotted 10-minute timeframe, the banker refused second time try and further assistance. 

Subsequently, I scheduled an appointment for XXXX next day on XX/XX/2023 to resolve the matter. Upon arriving at the bank, I was asked to wait extensively and, upon inquiring about my appointment, was informed that the banker could not assist me and suggested I visit another Bank of America branch by the Assistant Vice President and Branch Manager. 

I believe this incident raises concerns not only about the unprofessional conduct of the bank staff but also potential discriminatory practices. I felt disregarded and disrespected, and I believe that no customer should be subjected to such treatment. 

I kindly request your offices to conduct a thorough investigation into these matters to ensure that appropriate actions are taken to address the unprofessional conduct and prevent any recurrence. Discrimination has no place in the financial sector, and it is crucial that institutions adhere to the highest standards of professionalism and fairness. 

I appreciate your attention to this matter and request that you keep me informed about the progress of your investigation. Please feel free to contact me if you require any additional information. 

Thank you for your time and consideration. 

Sincerely,
Consumer complaint received 2023-07-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 3RD '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2023-07-23
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 — Their investigation did not fix an error on your report
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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (LA)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.