davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-30
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 (AZ)

Bank of America is charging me 30 % in interest. They are not willing to work with me. I have been very sick. I always paid on time. I have four accounts with the bank. I was never late until I got sick in XXXX. I got behind on my one card. I made a payment in XXXX to bring my balance down to {$12000.00}. It is now {$12000.00}. I called on Monday XX/XX/2021 to get some help. They refused. They had me down as being deceased. I asked if they could stop the bleeding with the late charge and interest and they refused. I had to call to get that corrected twice. They advised that they can not help till it gets 6 months past due. PLEASE HELP STOP THE BLEEDING. STOP THE HIGH INTEREST RATE OF 30 % AND LATE CHARGES. I HAVE BEEN SICK WITH COVID AND HAD A XXXX XXXX. THEY REFUSE TO HELP
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (CO)

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 account without my written instructions
Consumer complaint received 2023-03-14
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. (TX)

In accordance with XXXX XXXX XXXX, everything has to be 100 % accurate on my credit report. 

Re : Accounts XXXX XXXX Account # XXXX has violated my rights. 

The credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate, the date of last active is inaccurate, the high credits are reporting differently and the date last reported is also inaccurate. 

This is grounds for removal and they have violated my rights under 15 U.S.C. 1681 section 602 A states I have the right to privacy.
Consumer complaint received 2016-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (DC)

ACS servicer/ XXXX  for my student loan is reporting my account in COLLECTION . ACS Inc. is th e student loan servicer for  XXXX .  ACS  is reporting to   XXXX   and  XXXX  that my account is not just late but in COLLECTION.   1. During the time fram e   XXXX      XXXX    m y loans were being consolidated.   2. I worked with  XXXX   XXXX  to correct this information which was not corrected by ACS to the credit bureaus.  XXXX   XXXX  requested 6+ times for this information to be verified and corrected.   3. These request were made at least 1 year ago - yet  ACS  has not verified nor corrected information.   I have attached : Loan consolidation document from ACS, current  ACS  account information,  XXXX    XXXX   document requests ( which had no responses ), an d   XXXX   XXXX   credit reporting s howing information reported to credit bureaus  XXXX / XXXX / XXXX  )
Consumer complaint received 2024-03-31
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

I received a {$200.00} American Express eGift Card on XX/XX/2023 from my job. Unfortunately, I am unable to spend it. I have tried using the card online with multiple retailers and also linked it to my XXXX XXXX ( as per AMEX ) to use in stores. It is always declined, regardless of the transaction amount. Multiple websites state unable to obtain authorization. 

Two retailers put small holds on the card, which did fall off after a few days. The card is active, but Im unable to access any funds. 

I have followed the directions provided my Amex, always selecting credit and spending below the gift card balance.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that were recently found on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). These items are as follows : XXXX Date of inquiry : XX/XX/XXXX I do not recall authorizing this inquiry, and I am concerned that it may be fraudulent. As such, I am requesting that it be removed from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX Similarly, I do not remember authorizing this inquiry, and I am worried that it may be fraudulent. Therefore, I am requesting that it be removed from my credit report immediately. 

XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX I do not recall authorizing this inquiry either, and I am concerned that it may be fraudulent. I am requesting that it be removed from my credit report immediately. 

XXXX XXXX  Account Number : XXXX I am questioning the validity of this account 's name and number. I request that you either clarify this information for me or delete the account immediately from my credit report. 

Under FCRA Section 611 ( a ) ( 1 ) ( A ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or outdated. I believe that these negative items are impacting my credit score unfairly, and I hope that you will take the appropriate action to remove them as soon as possible.

I kindly request that you investigate these items and remove them from my credit report if they are found to be inaccurate or fraudulent. I also request that you provide me with a written explanation of the results of your investigation, as required by FCRA Section 611 ( b ) ( 2 ).

Thank you for your prompt attention to this matter. Please contact me if you require any further information or clarification.

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2020. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information.Together with the Fair Debt Collection Practices Act, by the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the XXXX Federal Trade Commission, the Consumer Financial Protection Bureau, and private litigants.
Consumer complaint received 2023-09-02
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: CAPITAL ONE FINANCIAL CORPORATION (NH)

There are reports on my credit report that were not made or authorized by me. 
On XX/XX/2023 XXXX XXXX XXXX XXXX VA XXXX Contacted Capital One. Unknown person tried to open a XXXX XXXX On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX
Consumer complaint received 2023-03-14
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. (AR)

In accordance with the Fair Credit Reporting act : XXXX XXXX Installment Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX has violated my rights. 15. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I have not issued any written consent or instructions for this to be listed on my consumer report as this is not a personal account. This is a business account.
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I am a XXXX XXXX XXXX XXXX and I XXXX XXXX. I was financially impacted by covid-19 and received a targeted EIDL advance. My account was frozen and Ive been advised that they will not release my funds.
Consumer complaint received 2023-07-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Auto Loan Application : On XX/XX/2023, I, XXXX XXXX XXXX, applied for an auto loan with Bank of America in good faith ( paragraph XXXX ). I provided all necessary information and documents required for the loan application process. 
Adverse Action and Illegal Conduct : Bank of America, in violation of applicable laws and regulations, declined my extension of credit or auto loan under good faith ( paragraph XXXX ). This adverse action taken against me as a consumer is illegal according to the Equal Credit Opportunity Act. 
Misrepresentation of Lending Practices : Bank of America knowingly and willingly advertised false information regarding its lending practices ( paragraph XXXX ). They misrepresented their willingness to extend credit to qualified consumers, causing harm and detriment to me as a consumer.
Consumer complaint received 2021-08-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (WI)

I've been in the process of closing with Chase Bank for weeks. The last week or so, they have been less responsive and lacked communication when it comes to matters of closing. I was supposed to close on Friday, XX/XX/XXXX at XXXX XXXX  CST ; they were in the process of reviewing my final disclosure for days. They were late and unresponsive with getting this completed on time, even after pushing back closing to XXXX XXXX  that same day. Now that I've rescheduled the closing to Monday, XX/XX/XXXX at XXXX XXXX, they still do not have any idea on when they will have everything ready for closing, even after assuring me that it would be ready. It seems like they do not care about when things get done and how it is effecting their customers and others. Their lack of judgement and communication is going to cost myself and the sellers money to adjust to this, as well as lost work hours for myself. This is unprofessional.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (MD)

As a consumer I applied for a preapproved card using my opened ended credit plan. And I was denied, not sure why I was denied once my credit card was accepted.the reason that were listed are hearsay and discrimination. I dont know how this erroneous list that was provided.that was embrassing to me and my reputation.with that all being said, I provided you with my credit card and now you have denied me credit which provides me no benifit. I demand for your corporation to provide me all the documentation and materials to me so I can investigate why I was denied with my open credit plan. As the original creditor Im not sure how the reporting agency you used to get my permission to provide any information which violated my privacy rights 15 usc 1692 b, and provide alleged inaccurate information. 
Can you reconsider your decision you reason listed on letter ...
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (IL)

Sent to XXXX XXXX Amex CEO - " Since XX/XX/year> I have charges under dispute for fraud on my platinum account. The five charges listed below were flagged by your automated system as possible fraud. I in turn called Amex to verify that they are indeed fraud. Your security/disputes/fraud team has done nothing in almost 8 months to credit my account all five charges. They tell me my " card was present which means these charges are valid '' which is a complete lie and shows the complete negligence of your investigations team. My card was used for a different non disputed charge not total of {$23000.00}. The Merchants used my card numerous times without my authorization and I did not sign or fill out the sales slips. They forged all information to steal tens of thousands of dollars from me. On top of that, what goods were sold? Nothing is listed. Furthermore, the security/disputes/fraud team tells me they will call me back hundreds of times and never does. I have called hundreds of times and your team continues to ignore these issues and do their job. I was also told not to pay my monthly bill in full and to pay the charges that I know are due. I did that, in result your team has put my account in 30 past due status on my credit reports for the fraud charges balance. This entire set of issues is theft. Amex is allowing merchants to steal from me which in turn means Amex is lying, stealing and cheating me the card member. I can be reached at XXXX XXXX XXXX XXXX  {$3600.00} XX/XX/year> - XXXX  {$3600.00} XXXXXX/XX/year> - XXXX  {$3800.00} XXXX XXXX XXXX  {$5000.00} XX/XX/year> - XXXX  {$7600.00} TOTAL : {$23000.00} '' The attached email is from XX/XX/year> which has never happened. The litigation team is just another group of incompetent losers that don't do their job. 

" Amex 's fraud/security departments do not respond to any of my communications due to their fraud and guilt, please see the attached and kindly have it forwarded to the fraud/security department ( s ) for processing with an account credit of {$23000.00} plus interest and a credit report correction due to their misleading action of instructing me to not pay the fraudulent charges on my account causing a 30 day past due reported on my credit reports. This non-disclosure, lack of communication and false reporting is clearly a sign of guilt on American Express 's behalf. ''
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (NJ)

I sent a dispute directly to this company and asked for the 1099-c form due to this account being reported as charge off and according to the IRS a charge off account is ordinary income and income is not reported on my credit report. This violates 15 USC 1681c-2 and 15 USC 1681 section a I am requesting a copy of 1099-c to see the correct amount of balance after charge off. This account is reporting wrong balance which makes this inaccurate and incomplete
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: 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 XXXX XXXX. 

DEPT OF ED/XXXX : XXXX, {$20000.00}, XX/XX/XXXX ; DEPT OF ED/XXXX  : XXXX, {$20000.00}, XX/XX/XXXX ; DEPT OF ED/XXXX : XXXX, {$10000.00}, XX/XX/XXXX ; COMENITYBANK/VICTORI : XXXX, {$1000.00}, XX/XX/XXXX ; XXXX  - CARD SERVICE : XXXX, {$12000.00}, XX/XX/XXXX ; XXXX - CARD SERVICE : XXXX, {$2000.00}, XX/XX/XXXX ; XXXX XXXX : XXXX, {$2500.00}, XX/XX/XXXX ; XXXX XXXX XXXX : XXXX, {$220000.00} XXXX XX/XX/XXXX ; XXXX  XXXX : XXXX {$5500.00}, XX/XX/XXXX ; XXXX AUTO FINANCE : XXXX, {$10000.00} XXXX XX/XX/XXXX ; XXXX  XXXX : XXXX, {$12000.00}, XX/XX/XXXX ; XXXX XXXX  XXXX : XXXX, {$7500.00} XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX, XXXX : XXXX, {$9500.00} XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX, XXXX : XXXX, {$16000.00} XXXX XX/XX/XXXX ; XXXX XXXX : XXXX, {$6000.00}, XX/XX/XXXX ; XXXX XXXX XXXX : XXXX, {$9400.00}, XX/XX/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 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.

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 2024-02-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (CA)

I have been diligently attempting to resolve an issue regarding a debt that a company is attempting to collect, which I believe stems from identity theft. Despite my efforts to address this matter directly with the company and through online dispute systems with the credit bureaus, I have encountered significant challenges in obtaining a resolution. 

Upon contacting the company, Kimball, Tirey, and St John, and informing them of the situation, I was instructed to provide documentation via email. Despite promptly submitting the requested documents, I have not received any response from the company. Subsequent attempts to follow up via phone have only resulted in being bounced between different departments, with each directing me back to the other. 

The phone numbers I have attempted to reach the company on are XXXX and XXXX. This back-and-forth communication has been frustrating and unproductive. I am seeking a response from The law offices of Kimball, Tirey, & St John and a swift resolution to this matter.
Consumer complaint received 2023-03-14
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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 2023-07-23
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: EQUIFAX, INC. (MD)

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 2023-03-14
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. (MD)

Experian is reporting incorrect unverified incorrect information on my credit report i have requested several investigations into the correction of the incorrect information on my report but the issue still hasn't been investigated properly or corrected and was previously claimed to be verified the Bankruptcy through XXXX i recently obtained a copy of my XXXX report both verified and non-verified which shows no Bankruptcy being reported so i am requesting an investigation to have the issue corrected