davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-28
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. (NV)

I contacted Experian today XX/XX/18 regarding the updates via email regarding my disputes regarding accounts reporting on CBR that reflect SCRA the 1st rep XXXX I spoke with advised 14 accounts had been removed from my CBR and she would send me an updated report reflecting the disputes that had been removed when she transferred me to the disputes department the rep I spoke with XXXX she advised her team she is with is in the XXXX XXXX XXXX and is also part of the XXXX XXXX. I advised to her what the previous rep advised and that was not the fact these accounts hadn't been removed and I advised her this situation has been very stressful and a little history of not getting adequte assistance on the disputes submitted and they are holding the creditors accountanble for the information the are report to the CBR I advised I've had to dispute these account several times and there still not doing DUE DILIGENCE on these accounts. I asked her if she was aware of the federal law SCRA she advised no. My question was for her working with the CBR and personal information that the CBR is to monitor the accounts to verify the creditors properly reporting our information. Also when I asked her this question she became rude. I asked who would I file a complaint with she advised CFPB due to there only a 3rd party reporting agency but also pushing blame of the issue at hand that there not holding themselves accountable for people 's credit accounts. I asked ot speak to a superisor she advised would have her boss XXXX call me on Monday I advised I would rather hold due to I've already been on the phone over 50 mins by then she advised that I refused a call back that she would disconnect the call very rude no tac or understanding of the matter at hand. I then called back and spoke to XXXX in the fraud department this rep took the time to listen and grasp the situation she as well didnt understand SCRA that effects Serviemembers daily. Dealing with mental anguish, stress, XXXX that this continues to be a vicious cycle that is not being handle properly when contacting the creditors.To validate removal of accounts that were not maintain by the creditors the bureaus.
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 — Account information incorrect
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 the 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, 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
Consumer complaint received 2022-05-03
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX  XXXX XXXX
Consumer complaint received 2021-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One froze my checking account that I recived my 2nd round PPP loan and my SBA Targeted Advance Grant. Told me I obtained these funds fraudulently.

The asked me for tax returns and bank statements to release the funds and I submitted what they asked for plus my award letter from the SBA. The investigators said they need to look into the situation and get back to me. I called to check the status a few days later and they said they returned my funds to the lenders and must contact them. I contacted both and no funds were returned and said that I shouldn't worry because they have documents to prove my eligabity. They took every XXXX and are refusing to give them back and the lenders never recived my funds ether. 

I need my funds. I am a sole proprietor and I am eligable for all funds received who is the ban to tell anyone I committed fraud but tje lenders approved me with supporting documents. When I asked the bank why I can get my funds they said the out come of the investigation was to return funds. That's the reason they gave me.
Consumer complaint received 2022-12-27
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Consumer complaint received 2020-10-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Associated Credit Services, Inc. (FL)

We have an important message from Associated Credit Services. This is a call from a debt collector, please call XXXX XXXX XXXX claim To be supervisor didnt give me his supervisors name as XXXX I do not know
Consumer complaint received 2021-04-08
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: DISCOVER BANK (NY)

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX XXXX XXXX XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2024-03-04
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: EQUIFAX, INC. (FL)

Please be advised that subsequent to the submission of communications dated XX/XX/XXXX and XX/XX/XXXX, to your esteemed agency concerning a discrepancy in my credit report, I am once again addressing this matter with due urgency. The communications in question sought the removal of an unverified entry linked to my account, specifically designated as " XXXX  XXXX XXXX ''. In retort, it was signified by your agency that said account was properly verified ; a claim that contradicts the disparate payment histories displayed by XXXX Paid, Closed account XXXX of XXXX, Equifax 's record of a XXXX late payment in XX/XX/XXXX, and XXXX 's lack of historical data after XX/XX/XXXX, for the respective terms, respectively this account has been closed since XXXX. 

Given these inconsistencies, I hereby reiterate my formal request for presentation of the factual evidence requisite for verification of the aforestated account information under the aegis of legal mandate. As decreed by Rule 1002 and consistent with the consumer protection protocols enshrined in Title 15 United States Code Section 1666b, it is an incontrovertible right to have access to such substantiation which is expected to be in your custodianship as precondition for any reporting labeled as " verified ''.

Moreover, in observance of statutory privileges emanating from Title 15 U.S. Code Section 1681a outlining privacy safeguards and Section 1681b prohibiting dissemination of personal information without express written consent from the data subjectmeand pursuant to Title 15 U.S. Code Section 6802 ( A ) - ( C ), delineating stipulations for disclosures inclusive of clear notification to consumers alongside their prerogative to preclude personal information from third-party disclosure and outlining modalities for the exercise thereof ; I demand adherence to these provisions.

Should you continue to maintain records or report data unsubstantiated by the required comprehensive documentation or in contravention of my explicit consumer rights as detailed herewith, please be apprised that such practices shall be construed as non-compliant with established legal frameworks governing accurate credit reporting and consumer privacy.

Henceforth, I politely insist on your immediate attention and swift corrective action regarding this issue.
Consumer complaint received 2020-10-22
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. (VA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-12-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC (FL)

I sent XXXX XXXX XXXX a certified letter for verification that was signed for on XX/XX/2020 asking this collector to verify that the account they are reporting is verified with the original contact I have with them bearing mysignature, instead they only sent a letter back saying it was verified. XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX. Upon further research, Debtor 's creditor did not verify this collection. Also, there was no written from of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

FCRA 605B, as I understand it, necessitates the removal of any erroneous accounts from my credit report. Could you look into the documents? There are inaccuracies in the reporting, amounts, and dates of some accounts.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-22
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. (VA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. 

XXXX XXXX : XXXX : {$980.00}
Consumer complaint received 2020-12-13
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. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9700.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-07-24
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. (MO)

On XX/XX/20 I noticed to fraudulent accounts on my credit reports. XX/XX/20 I filed an FTC Identity Theft Report with the credit bureaus. As of this writing XXXX, XXXX & Equifax are still reporting the fraudulent accounts.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (FL)

In accordance with the Fair Credit Reporting Act XXXX Account number XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NJ)

Citbank issued me a credit card with a 24.24 % interested rate. I have a XXXX credit score with a debt ratio of like 35 %. I have not missed a payment in over 7 years. I said something to them and they slightly lowered it to just under 20 %. Question, why wasn't this rate to start with them. Seems to me if you want a customer you'd give them the best rate to start with to build trust. I have already put a complaint in asking an exact explanation of why this happened. I am going to keep putting in complaints about them every few weeks until I get an answer as to why my rate was originally set to their max rate when I have a XXXX credit score. I am saying this is predatory lending practice. I believe this happens to a lot of others who don't understand credit scores and what they're eligible for. I want an exact reason in writing why I received 24.24 % rate then lowered only after I complained to a manager. Their low rare is 14.24 % which is where i should be.
Consumer complaint received 2020-12-13
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. (CA)

On XX/XX/2020, I was turned down for a motorcycle loan from my bank because of a recent " negative credit '' entry onto my " Experian. '' I am the " Victim of Identity Theft. '' I contacted " Experian '' to get a " Free '' copy of my " Experian '' credit report but " Experian '' wanted me to " Sign Up '' online for a $ XXXX " Monthly '' credit monitoring service offered by " Experian. ''
Consumer complaint received 2019-08-23
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. (AZ)

I disputed a collection on my credit report with XXXX  and Experian. XXXX  removed the collection on my credit report because XXXX didnt have any collections on my credit report. It was very easy to contact XXXX  on the phone and explain the situation. I provided an image and XXXX   removed the incorrect collection on my credit report. Experians number would not let me talk to an agent about my dispute. Eventually, I was able to talk to an agent who was very rude and told me to file dispute online. Two days later Experian concluded that the collection will remain on credit report even though XXXX  and XXXX dont have the incorrect collection on my credit report. I believe this collection is invalid and shouldnt be on my credit report and two out of the three credit bureaus agree.
Consumer complaint received 2019-08-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America charged an overdraft fee on my joint checking account when it clearly stated in our account ( shown in their mobile app and in the online statement that appears when logging in to their desktop website ) that there was a positive balance in the account at the time the overdraft fee was assessed ( I have a screenshot. ) This is not the first time recently that this has happened and it seems their algorithms have changed recently, within the past couple of months. The B of A customer service rep stated today in a recorded phone call that there are two different systems that the bank uses the system whose dashboard the consumer is directed to when they log in online to their account is not the system used to determine when an overdraft fee is assessed. The consumer dashboard used by the system the mobile app and the B of A website uses is incorrect, erroneous, and misleading and, according to B of A, does not show the true amount of actual balance in a consumers account. The customer service rep I spoke to today refused to refund the overdraft fee and claimed a supervisor was unavailable to speak to me when I repeatedly asked for one.