davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022, I received an email from Bank of America ( BoA ) notifying me of a successful credit card application in my name ( despite fraud alerts on my CRA accounts ). I immediately contacted BoA and was bounced around between multiple departments with long hold times, but after around 3-4 hours on the phone, I was told the issue was resolved and that the hard pull on my credit report would be removed, the account would be closed, and I would receive a copy of the application in the mail. 

On XX/XX/2022, I received a letter from Bank of America with no additional contact information stating that " We've verified the inquiry placed on your file XX/XX/2022 '' and " This means we won't be adjusting our reporting like you requested and consider this dispute resolved. '' I again contacted BoA on XX/XX/XXXX and was transferred once to a recorded message, called back and escalated to a manager who said I would need to call the fraud department in the morning. I call the numbers he gave me ( XXXX and XXXX ). Both of those numbers were unsuccessful, but I was given another number of XXXX for the " correct '' fraud department now. After 40 minutes, this agent had investigated my record and said the CRA refused to remove it and I had to dispute the hard inquiry with them. XXXX states that hard inquiries must be disputed with the company making the inquiry, so this is not consistent. This agent gave me two more numbers to call, XXXX to dispute the rejection of the hard inquiry, and XXXX for Victim 's Assistance to try to get a copy of the application ( which apparently requires me to send copies of ID via mail ) and to see if they can help more. 

I am now approaching 6 hours on the phone and more than 10 hours of time spent trying to find contact information and strategies to dispute this rejection. The BoA agents have been unwilling to provide me an address for official correspondence so that I can send an official dispute letter as recommended by identifytheft.gov. 

I am astounded at how hard a major financial institution makes it to dispute and resolve a fraudulent inquiry. I contacted them nearly immediately after receiving the email to report the fraud, but by their letter, it appears they do not believe that claim and provide me with no means to continue the dispute.
Consumer complaint received 2022-08-13
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. (FL)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( Acct # XXXX ) {$11000.00}, XXXX XXXX XXXX XXXX ( Acct # XXXX ) {$26000.00}, XXXX XXXX XXXXi ( Acct # XXXX ) {$300.00}, XXXX  XXXX ( Acct # XXXX ) {$860.00}, XXXX XXXX XXXX XXXX ( Acct # XXXX ) {$1600.00}, XXXX XXXX XXXX ( Acct # XXXX ) {$13000.00}, XXXX XXXX  ( Acct # XXXX ) {$13000.00}, XXXX XXXX ( Acct # XXXX ) {$13000.00}, XXXX XXXX XXXX ( Acct # XXXX ) {$730.00}, XXXX XXXX XXXX  ( Acct # XXXX ) {$450.00} has violated my rights 15 USC 1681 section 602 ( A ) states I have the right to privacy. 15 USC 1681 604 ( A ) Section 2 also states a consumer can not furnish my account without written instructions.
Consumer complaint received 2022-10-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (OR)

I tried to make my XXXX lease payment on XX/XX/XXXX and was unable to log on to the kia finance website because it would not load. I tried again on XX/XX/XXXX and again the site would not load even when I tried from multiple different devices to log on. Late on the evening of XX/XX/XXXX I was able to log on to the kia finance website and received the error message that I was unable to make a payment because the account had less than XXXX payments remaining. My lease is for 3 years and will mature on XX/XX/XXXX as shown on my lease agreement. I called kia finance on XX/XX/XXXX and was unable to speak to anyone and directed to an automated system that would not allow me to make a payment either. I have tried to log into my account every day and the kia finance site will not allow me to make a payment or set up future payments. I have called kia finance many times a day every day since XX/XX/XXXX and have been disconnected every time I make contact with an actual person. I am due for my XX/XX/XXXX payment and have no way to make a payment either via the website or phone because of an error on their part.
Consumer complaint received 2024-11-20
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. (NY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2024-11-20
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. (AL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2023-08-14
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: OneMain Finance Corporation (GA)

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Consumer complaint received 2024-10-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

Vendor has failed to respond to complaints of disputed charges and they have continued to charge late fees and penalties. 

Time span has now exceeded 5 years. 

The vendor has failed to acknowledge payments. 

Their reply to my recent written request arrived after a XXXX wait. 

Late fees and penalties continue to increase.
Consumer complaint received 2022-08-13
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: Experian Information Solutions Inc. (AR)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

THEY ALSO STATED THE ACCURATE IS REPORTE 100 % ACCURATE TO MAXIMUM POSSIBLE WHICH IS NOT.

THE DATE ACCOUNT WAS OPENED IS NOT REPORTING ACCURATELY.

IT DOESNT HAVE ORIGNAL CREDITOR OR WHO IT WAS SOLD TO REPORTING.

THEY FULL ACCOUNT NUMBER IS NOT REPORTING.

THEY DONT HAVE ANY CONTACT INFORMATION PROVIDED ON EXPERIAN WEBSITE. 

THEY SAID IT WAS AN REVOLVING ACCOUNT WHICH IS INACCURATE, XXXX SAYS DIFFERENT.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

It was from mountain America credit union XXXX loan for XXXX which is a credit card XXXX is for XXXX $ or so, then a bank account was opened under my name. They wont do anything even with a police report, they are vary rude and dont care. They wont delete it from my credit report, they dont remove it from my name and its fraud. Its ruining my credit its ID theft I was park of XXXX breach even
Consumer complaint received 2022-06-25
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. (OK)

I RECEIVED MY CONSUMER REPORT AND FOUND IT FULL OF INACCURACIES DELETE FROM MY CONSUMER REPORT IMMEDIATELY, INACCURACIES LISTED BELOW. 

XXXX BALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX XXXX BALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE IS ( INACCURATE WITH XXXX ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( EXPERIAN ). 


XXXX XXXX BALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT IS ( INACCURATE WITH XXXX AND EXPERIAN ( XX/XX/XXXX ) OPEN DATE ( INACCURATE WITH XXXX ( XX/XX/XXXX ) LAST REPORTED DATE IS ( INACCURATE WITH XXXX AND EXPERIAN ( XX/XX/XXXX ) ( XXXX ).
Consumer complaint received 2022-08-12
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)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX, Account Number:XXXX Account Name : XXXX, Account Number:XXXX Account Name : XXXX, Account NumberXXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap XXXX they also violated my rights under -15 U.S.C 1681 section 602 A. States I have the right to privacy.

-15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (GA)

On XXXX/XXXX/XXXX  reached out about a financial hardship did not get into much detail but income is much lower than before because my position could not be held but only so long due to no other options for XXXX  or time was exhausted so I called mortgage company Mr Cooper and was told I needed to have a job for options or no help could be provided so after I called and told I have a job but lower pay I was still told no options that I had 30 days to pay my mortgage, payments will continue to go up due to tax increase keep excepting late fees, account would have to go into delinquent status which would tarnish my credit score and even through the process its no guarantee, My situation is unforeseen I can not control that at some point of my life it will decline I have never experienced this a day in my life and to be in a position where the investors are trying to force you to foreclose and lose your home is a disaster, from Mr Copper I have heard no options but pay a high price as only option
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX, XXXX Inquiry Date XXXX XXXX, XXXX, XXXX XXXX  Inquiry Date XXXX XXXX, XXXX.
Consumer complaint received 2022-06-16
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. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX on the lake apts, 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 2024-10-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Michael Wayne Investment (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX limited I am writing to bring to your attention the repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ) by Michael Wayne Investment Firm regarding the reporting of my insurance payments. Since I financed my vehicle on XX/XX/XXXX, your firm has failed to consistently and accurately report my payments to the relevant credit reporting agencies. As of the date of this letter, only 7 payment reports have been made, despite my having made timely payments over the past 22 months. 

The failure to accurately report my payment history constitutes multiple violations of the FCRA, which mandates that consumer data be reported accurately and in a timely manner. These violations have directly harmed my ability to secure financing, resulting in the denial of both a {$50000.00} and a {$30000.00} vehicle loan, and have caused significant emotional and financial distress. 

In accordance with the FCRA, I am seeking statutory damages of ** {$1000.00} for each instance of inaccurate or missed reporting**. Based on the 15 months of missed reporting, I am hereby billing Michael Wayne Investment Firm for a total of XXXX XXXX XXXX ( {$1000.00} per violation ). 

This letter serves as a formal demand for payment of these statutory damages. I expect full payment of the aforementioned amount within **30 days** of receipt of this letter. If no resolution is reached within this period, I will be forced to pursue further legal action to recover these damages, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies in court. 

Please contact me within **10 days** to confirm your receipt of this letter and to provide a timeline for the payment.
Consumer complaint received 2022-08-13
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. (MI)

Equifax has violated many consumer laws. 
The first one being PERMISSIBLE PURPOSE. 
Equifax did not and do not have permissible purpose to post anything to my consumers credit report without my WRITTEN CONSENT. No consent is identity theft! 

Equifax has also committed AGGRAVATED IDENTITY THEFT. Equifax willingly and knowingly took information from a third party other than myself and reported to my consumers credit report. VIOLATION! THEFT! FRAUD! A CRIME! 

I have reached out VIA certified mail with return receipt numerous times to rest assure that EQUIFAX have received my demand to immediately remove XXXX XXXX service and any other hard inquiries that is on my consumers credit report. Any hard inquiry thats on my consumers credit report and for every hard inquiry thats posted to my consumer credit report is {$1000.00} a piece for each party responsible! I am the original creditor and I am the only one who dictates what goes on my consumers credit report! 
Equifax has also broken their own written policy rules! After 30 days, after their investigation I have not heard anything from Equifax and from that point on everything that I demanded to be removed shall be removed. Equifax failed to do so! 

Equifax has also lowered my score XXXX points and I was one of the millions of ppl who was effected by that. Im also demanding equifax to properly and quickly fixed this issue. Equifax blamed that error on a TECHNOLOGY CODING ISSUE. This error was dated back to mid XXXX. 

Another consumer law that Equifax has violated is Under 15 USC 1681 ( a ) 4- Accuracy and fairness of credit reporting ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax is a credit reporting agency right? So where is my privacy as a consumer? Again, I am the only one who dictates what goes on my consumers credit report. 

A copy of this will also be sent to the attorney general, Equifax, XXXX and more!
Consumer complaint received 2022-06-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, DEPT OF ED/XXXX  Account # 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 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (NC)

I have something inaccurate on my credit and I sent a letter demanding validation. Pursuant to Section 809b of the FDCPA to the creditor. They sent me back validation for an account that was not mine and per my letter, they were unable to validate this account within 30 days of receiving the letter in XXXX of this year. They have not removed the account from my XXXX, XXXX or XXXX credit reports. I need them to comply with the law. I sent the letter certified and they sent me invalid information for an account that was not mine. I spoke with them and proved to them it was not me and still have this showing up on my credit 4 months later.