davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America is retaliating on me for reporting them to CFPB. The complaint XXXX on XX/XX/XXXX and several others against Bank of America is the same month out of the many years going back beyond XXXX. I have always paid every single time and my history and credit score of XXXX shows this. So there was no bill sent to me in XXXX, No bill sent to me in XXXX, No bill sent to me in XXXX EXCEPT for a letter saying I owed $ XXXX and I told them then that I had not received any bills. They told me they would send me the statement. I received XXXX more letters for XXXX in my recorded phone call with them at no time did they disclose that there was a higher balance owed. At no time did they " re-send '' the XXXX or XXXX statement. The only reason would be fraud so as to not disclose what I actually owed. This is all recorded on tape. 
This company is in direct violation of the Credit Card Act. They sent me letters of a payment due but no other information - that I actually owned more or a total balance. They deliberately withheld XXXX statements. I got letters which I assumed was the total balanced owed. And I asked the phone what is the total amount owed back in XXXX, I was cited XXXX. Which was a lie. 
They claim that sent, and that the post office could have had issues. I checked with the post office- and they said no issues. XXXX XXXX XXXX. I also receive XXXX bills, mortgage bills and other credit card bills with no issue every month. If it was the post office it there would be evidence of randomness, meaning it would happen with them. This has happens ONLY WITH BANK OF AMERICA XXXX XXXX  XXXX account no other company I deal with does this happen. 
This company, when the balance is XXXX, they do not send any other statements. So I am assuming that the XXXX is all I owed and so I sent that in XXXX. 
They also claim I did not send in {$13.00} back in XX/XX/XXXX. I have the cancelled check stub from them showing they processed. 
This all started with this business account after my complaints against them on my personal account - the very same month I made those complaints. 
I will be suing for damages and for fines and all fees.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2012, which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.
Consumer complaint received 2018-03-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TX)

I received a deferment on my student loan two years ago. The collection agency began harassing my family and friends by calling their private phone numbers yesterday XX/XX/2018. They continued to call today and asking for me, where I work, where I live etc. They claim to have tracked their numbers on a " public data system ''. We've asked multiple times to remove their contact information, since they have nothing to do with my bills nor manage any of my accounts.
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (TX)

Ordered the Amex XXXX credit card in XXXX, and due to delivery issues did not recieve the card until XXXX. Their customer service agents were useless in fixing any issues. Welcome bonus was spend {$6000.00} in 6 months from applying for the card. Was told they would put an inquiry for me to help try to get me an extension on my welcome bonus and I would get a response in 1 week. Called back after a week and was told I would never get a response from them for that, the inquiry was resolved and that I was XXXX. Was lied to about getting contacted from their leadership team and feel as though I was jipped by a delivery error they do not take responsibility for.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX  XXXX Account XXXX This accounts payment history details are being reported inaccurately. I have never been late on this account. I have also attached a copy of my consumer report from another agency with highlighted proof where the information was corrected and updated. I am asking that you all do the same. 

This account was also closed by the grantor and then reopened with the same account number without my permission and is now showing as a new account that I did not authorize and is reporting new account history. This account was opened in XXXX of XXXX and is now reporting a new date of XX/XX/XXXX. I did not authorize this company to open a new account on my behalf and if this account is going to report on my credit profile it needs to report accurately. I wanted this corrected immediately or I do plan to pursue litigation based on laws provided by the FCRA. 

XXXX XXXX Account XXXX This accounts payment history details are being reported inaccurately. I have never been late on this account. I have also attached a copy of my consumer report from another agency with highlighted proof where the information was corrected and updated. I am asking that you all do the same.
Consumer complaint received 2022-01-15
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: LEXISNEXIS (MD)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

I am writing to formally submit a complaint against Chex Systems for violating Section 605 ( c ) of the Fair Credit Reporting Act ( FCRA ), which outlines specific rules concerning the treatment of consumer reports for survivors of XXXX XXXX. Under this provision, survivors of XXXX XXXX are entitled to have negative information related to their XXXX  experiences removed from their credit reports.

Despite my clear request and supporting documentation provided to Chex Systems under FCRA Section 605 ( c ), Chex Systems has failed to comply with federal law by refusing to remove the negative information on my report that stems directly from my XXXX XXXX situation. 

This non-compliance not only violates federal law but also continues to cause harm to my financial well-being by denying me access to basic financial services. Chex Systems failure to adhere to the FCRA is unacceptable and exacerbates the challenges survivors of human trafficking face when attempting to rebuild their lives. 

I respectfully request the CFPB to investigate Chex Systems conduct in this matter and take appropriate enforcement action. Specifically, I urge the CFPB to require Chex Systems to comply with FCRA Section 605 ( c ) by removing the inaccurate and harmful information from my report and to ensure they establish better compliance mechanisms for handling similar requests in the future. 

Please inform me of the actions the CFPB will take regarding this complaint, and if further documentation is needed, I am happy to provide additional materials. 

Thank you for your attention to this matter and for your commitment to ensuring that financial institutions comply with federal consumer protection laws.
Consumer complaint received 2022-09-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Leviton Law Firm, Ltd. (AZ)

There was a guy by the name of XXXX XXXX who stated that we owe around {$2100.00} dollars for unemployment insurance payments. They stated that they would settle for {$1500.00} and it is due tomorrow. I attempted to ask some questions only for him to ramble on for about 3 minutes about me interrupting him. He threatened that if he escalates this to the State, the State will stop all work and business until it has been settled. I informed him that I am not the owner but that I would get a message to him and he informed me that this is my responsibility as the Office Manager. I once again informed him that I do not control the finances of the business but that I would get the info to the owner. He gave me the info he needed to give and as I was about to ask him some additional questions he hung up on me. I called back and asked to speak to his supervisor. He stated that he did not have one. I asked him what his job title was and he stated it was unimportant and refused to give me his title. He hung up on me a second time. I called the main number instead of his direct line. I asked to speak to a supervisor. I was transferred to someone and got a voicemail. At this time I am filing a complaint of harassment by a debt collector. I am neither the the owner or the responsible person for the debt. Secondly he refused to provide me with his job title or allow me to speak to a supervisor to obtain further information to pass along to the owner of the business. I attempted to call the main line and was also unable to be connected to a supervisor. 

Creditor : Leviton Law Firm Caller : XXXX XXXX Title : Unknown Phone : XXXX
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received an email stating that a charge was made on Walmart for {$6100.00} for a TV that I did not order. There was a phone number listed to call to confirm or deny the charge. It was a Walmart phone number XXXX and a person with all my spoke had such a thick accent I could not understand her and she would not put someone else on the phone. She said there were three different numbers that could have been used but couldnt tell what credit card that was used. None of it made sense. I contacted the two most likely credit cards and that amount had not shown up. The Order # isXXXX. Txn id is XXXX. Thanks XXXX XXXX
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX the XXXX XXXX XXXX flagged my credit report with XXXX debt which is out of network and I was not notified. 
This is a violation of my rights of the No Surprise Act of 2021
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy Reference # XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$10000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$95.00} XXXX XXXX Bankruptcy Reference # XXXXXXXX XXXX  Amount : {$0.00}
Consumer complaint received 2021-06-24
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. (NJ)

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX Date Opened : XX/XX/XXXX Amount : {$320.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$940.00}
Consumer complaint received 2022-05-02
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. (IL)

In accordance with the Fair Credit Reporting Act, the following accounts have violated 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accurate credit reporting and 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 2022-02-02
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. (MI)

I have been sending written letters to Equifax about the errors that I am seeing on my Credit report. However, I am not seeing any changes, improvements, or corrections on my reports. They kept reporting a lot of inaccurate information in my credit report which is no longer acceptable. Aside from that, Equifax and the furnishers have failed to notify me about the issues. Thus, they were not able to meet the requirement of the XXXX which demands them to provide a XXXX percent accuracy on the report and should they provide significant and legal documents to affirm their remarks. Below is the list of the items I have been concerned on : XXXX. XXXX XXXX XXXX {$0.00} XXXX. XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX. XXXX - XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2021-12-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (VA)

Hello, I am trying to refinance my property and this is what i found out once i was going through the process. I have my current loan with Loancare, last year 2020 my mortgage was in forbearence for the total of 1 year. And when we resumed the payments after the year we were told that the amount will be deffered and put towards or loan and thats it. Nothing else complicated and we chose that option. But now i am finding out that they have put a lien towards my property and it not recorded as deffered and how they explained. On the top of that that have recorded it double the amount. No one in Loan care can explain. I really need to refinance but this is killing me with no explanation.
Consumer complaint received 2021-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

he account listed below is reporting inaccurately on my credit report and it is 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. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 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 : I also seen TWO DIFFERENT SOCIAL SECURITY NUMBERS on my report XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX & XXXX # XXXX
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2021-11-01
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. (MD)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2022-11-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting act CAPITAL ONE 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
Consumer complaint received 2022-11-20
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. (NY)

In accordance with the Fair Credit Reporting ACT. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681. 

XXXX  account # XXXX XXXX XXXX XXXX Has violated my rights. 

XXXX account # XXXXXXXX XXXX XXXXXXXX Has violated my rights. 

XXXX  account # XXXXXXXX XXXX XXXX XXXXXXXX Has violated my rights. 

XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX Has violated my rights. 

XXXX account # XXXX XXXX XXXXXXXX Has violated my rights. 

XXXX  account # XXXXXXXX XXXX XXXX XXXX  Has violated my rights. 

XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX Has violated my rights. 

Also 15 u.s.c.1681 section 602A states I have a right to privacy.

15 u.s.c. 1681 section 604A section 2 ; It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c ( a ) 5 ; No consumer reporting agency containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antidotes the report by more than 7 years.

15 u.s.c 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX the XXXX XXXX XXXX flagged my credit report with XXXX debt which is out of network and I was not notified. 
This is a violation of my rights of the No Surprise Act of 2021