davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Stated in 15 usc 1681a ( 2 ) Any transactions between creditors and the consumer should be excluded from consumer profile. I have transactions reporting and should be deleted from my consumer profile within 10 days or the next steps will be legal for breaking the law. See below for the law and accounts that need to be deleted. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 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 2024-02-13
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. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

I have received a copy of my consumer reports today XX/XX/2024, and I notice you have furnished transactions on my consumer report that are excluded by law as per FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; A consumers transactions are excluded from the consumer reports.

FICO and or any other risk score or algorithm that you use to calculate a consumer 's credit score, is not a factor where the consumer report is concerned! Definition of what the consumer report means.

consumer report- consumer report In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
FICO or none of its factors, are not defined or included in the definition of the consumer report! Therefore, the reporting of transactions between the consumer ( XXXX ) and the person XXXX XXXX XXXX XXXXXXXX ) is a violation of 15 USC 1681a. The definition of the consumer report does not include FICO or XXXX, which makes their factors or algorithm not a factor where the consumer report is concerned. 

You have furnished transaction information on the following accounts :. 
( List accounts with late payments. ) Account XXXX XXXX XXXX XXXX : All late payments shown shall be updated to paid as agreed and in good standing as shown in the comment section of my Equifax consumer report, per the FCRAs Law, to be fair and accurate. XXXX must update this account as paid as agreed and in good standing as shown on my Equifax consumer reports comment and section to be 100 % accurate and complete as shown in the attached file. 

So please Delete these late payments on this account per 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Thank you for your time, and I know that as a company that follows consumer laws and their practices, you will do the right thing set forth by US Congress 15 US Codes. and make sure my consumer has no inaccuracies and errors.
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TN)

Last year we after clicking on an ad about a work from home opportunity we didnt realize that we were being sucked into an online business scam costing us now over {$16000.00}. It started with a simple {$97.00} fee claiming that we would begin making money immediately. That has not been the case, we have been strung along charged more and more money all for nothing. These companies should not be allowed to take credit cards and we want these charges immediately disputed and returned to us. They have not performed and deceptively took our payments under false and misleading pretenses. While Discover says we only have 60 days to raise a claim we have found information online that says otherwise. We would like to see the following charges refunded. Thank you. 

XX/XX/19 {$97.00} by XXXX XXXX XX/XX/19 {$64.00} by XXXX XXXX
Consumer complaint received 2024-02-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NC)

In XX/XX/XXXX, someone used identity theft information applying checking account and credit card at JP Morgan Chase. The fake individual used my identity to apply for checking account # XXXX and Credit card account XXXX opened on XX/XX/XXXX. THe person owed {$24000.00}. The person address is XXXX XXXX XXXXXXXX XXXX XXXX  { XXXX XXXX XXXX XXXX Florida XXXX. Phone XXXX XXXX XXXX. I never live in XXXX Many retail purchases were done in Florida at many stores in XXXX and XX/XX/XXXX. During that time, I was in XXXXXXXX XXXX hospitalized for major operations. I have reported this identify theft and fraudulent credit card and checking account opened under my name without my knowledge and the purchases where the crime took place I was NOT in the location. However, Chase continued to stand by the claim that the account is mine. I have reported the identity theft to FTC and local police. I also visited local Chase Branch to request closing of the accounts. I still have not heard anything. The first contact from Chase was in XX/XX/XXXX when Chase Fraud Department called me ; I cooperated fully with them but at the end they told me there is a checking account still active and made payment before but withdrew it quickly and that checking account was still opened. This is all come to surprise to me. Therefore, I went to the local Chase Branch to clarify this.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have a XXXX XXXX  charge card through XXXX XXXX. I have a XXXX   balance and have always paid my entire full balance EARLY each and every month -- well, basically as soon as charges appear on my account. Even though I have a XXXX balance and there are NO BACK-ORDERS they keep reporting that my available credit is only {$350.00} when it should be {$900.00}. 

Attachment 1 - Shows that I have consistently paid my balance off as soon as charges show up on my online account. 

Attachment 2 - Shows the erroneous available credit compared to my credit limit. 

Attachment 3 - Shows my .pdf statement has it correct, but the bank insists that I only have a {$350.00} available credit instead of the TRUTH -- {$900.00}.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

I just received notification that my addressed was changed at XXXX. Which is my correct address. My concern is that its gon na change again and then has my credit report been sent to that address? Why is my address on my file keep changing? Then you want me to send all these documents to prove where I live. I wish someone will do there job and make sure thus stops happening. Something obviously going on here. I have to call and spend hours on the phone when I call XXXX. Last time I called was on the phone and was transferred and spoke to supervisor almost 2 hours!
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Hi CapitalOne team, As I was reviewing my account and credit report I noticed the following compliance-related issues due to inaccurate information in relation to billing statements compliance, per FCBA, and CARES Act 4021 ( FCRA ) reporting issues compliance. 

I never received a billing statement, electronic or regular mail, showing a balance after the XX/XX/2020, payment was made. 

Reporting incorrect information and non-compliance with FCRA and provision of the CARES Act section 4021. Failure to update and set balance to XXXX. 
Failure to provide accommodations during the COVID-19 National State Of Emergency. ( CARES Act section 4021 ). 
Failure to provide current status for account information ( CARES Act section 4021 ) Failure to provide timely and accurate billings statements if a balance is due per FCBA. 
FCBA requires periodic ( normally monthly ) billing statements if there is a balance due. 
I never received a billing statement, electronic or regular mail, showing a balance after the XXXX payment was made. 

Thank you for your assistance.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-02-10
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: EQUIFAX, INC. (MD)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. FDCPA section 807 violation misleading false reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
4. This account is INVALIDATED for it is no longer reported in XXXX and Equifax. The way it is reported is INACCURATE and a CLEAR violation of my FCRA rights. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MI)

I have a XXXX XXXX  charge card through Comenity Bank. I have a XXXX   balance and have always paid my entire full balance EARLY each and every month -- well, basically as soon as charges appear on my account. Even though I have a XXXX balance and there are NO BACK-ORDERS they keep reporting that my available credit is only {$350.00} when it should be {$900.00}. 

Attachment 1 - Shows that I have consistently paid my balance off as soon as charges show up on my online account. 

Attachment 2 - Shows the erroneous available credit compared to my credit limit. 

Attachment 3 - Shows my .pdf statement has it correct, but the bank insists that I only have a {$350.00} available credit instead of the TRUTH -- {$900.00}.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

I just received notification that my addressed was changed at equifax. Which is my correct address. My concern is that its gon na change again and then has my credit report been sent to that address? Why is my address on my file keep changing? Then you want me to send all these documents to prove where I live. I wish someone will do there job and make sure thus stops happening. Something obviously going on here. I have to call and spend hours on the phone when I call equifax. Last time I called was on the phone and was transferred and spoke to supervisor almost 2 hours!
Consumer complaint received 2020-07-01
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2021-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

On XX/XX/XXXX, Capital One bank froze my checking account # XXXX. I called their fraud line and they said it was because of a XXXX investigation from a deposit in XX/XX/XXXX2021. They requested my XXXX taxes, which I provided to them. They did not provide the PPP loan I received ( XXXX XXXX did ) and they couldn't direct me to the policy in my deposit agreement with them to show me their legal right to freeze my account. They also could not provide any policy or direct information showing their directive from the SBA, which allowed them to do this, without any prior authorization. I now have no money to pay my rent, my car payment or feed my 3 children, because my account is in the negative. They also have taken the funds I did have in the account to offset the PPP loan amount. I have read this has been happening with other people, besides myself and I would like to know exactly what authority there is to have this happen to me, if any.
Consumer complaint received 2024-02-10
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: EQUIFAX, INC. (MD)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. 15 U.S. Code 1635 ( b ) Return of money or property following rescission - Right of rescission as to certain transactions XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. 15 U.S. Code 1635 ( b ) Return of money or property following rescission - Right of rescission as to certain transactions XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. 15 U.S. Code 1692g ( b ) Disputed debts - Validation of debts XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. 15 U.S code 1692 ( g ) validation of debt XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. Code 1692g ( b ) Disputed debts - Validation of debts XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, MD XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It is deeply concerning to discover that my credit with your bureau has been compromised. Despite submitting items with an FTC fraud report # XXXX, it has come to my attention that they have not been removed. As per the requirement outlined in law 605b of the FCRA, I am submitting this complaint along with my new FTC reports # XXXX and # XXXX. Should you choose not to remove the following items listed below, which are reporting inaccurately due to identity theft, I will be compelled to engage my attorney to initiate legal action. However, it is my earnest intention to avoid such measures, and I implore you to adhere to the law. Please remove the following items as they are fraudulent and were opened without my consent or knowledge : XXXX : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$37000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance Owed XXXX {$6200.00} XXXX  XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$7000.00} XXXXEQUIFAX : XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXXXXXX Balance Owed : {$37000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$8400.00}. If you claim these items are 100 % accurate and verifiable, I require copies of any documentation associated with these items bearing my signature, as I am certain none exists. In the absence of such documentation, I formally request the immediate deletion of this information from the credit file maintained under my Social Security number. Please be aware that you have four business days to remove the reporting of any items in my credit file resulting from alleged identity theft. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2020-07-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX at approximately XXXX I submitted a wire transfer while guided on the phone by a Bank of America Merrill Lynch representative. Consistent with representations made on the firm 's website, I was told that the wire would be processed on the same day. After calling back after XXXX ( the wire deadline for the day ), I learned that the firm had not even processed the wire let alone cleared it. At business open on XX/XX/XXXX at approximately XXXX, I was told additional information was required in order to process the wire and advised that " additional time '' was required to clear wires at the firm. 

Despite being assured on XX/XX/XXXX by another representative of the firm that same-day wire processing could be done over the phone, as advertised on the firm 's website ( " Wire withdrawal requests received and approved by XXXX XXXX Eastern will be processed the same day and incur a {$24.00} fee. " ), I was subsequently told that this was not possible. Due to this misleading communication, I was unable to close on a new home as scheduled and have incurred significant personal financial cost as a consequence.