davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My phone was lost on XX/XX/23 on a XXXX ride to my home. I had not report the phone lost in the hopes of the phone being returned to me. Instead what happened was the person who found my phone possibly this XXXX XXXX somehow got into my phone and started sending money from my bank of america app on my phone to herself. She added herself to my XXXX contacts and sent XXXX dollars to herself and then sent XXXX dollars to herself. I saw this happening in real time from my house and I immediately changed my passwords to everything and locked my card to prevent this person from stealing anymore money from my account. Bank of America has denied my claim because they said the device use to send the money is consistent with transactions seen in the past. However, I have never sent any money of that high of an amount to anybody ever in my entire time with Bank of America. Also the fact that the contact was added so quickly and money sent right away to this person should be seen as suspicious as well.
Consumer complaint received 2023-03-29
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. (GA)

In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, US DEPT ED Account # : XXXX, XXXX Account # : XXXX, These accounts has violated my rights. 
15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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 2022-08-19
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. (TX)

Experian please reinvestigate these two accounts that you state you verified under U.S.C.1681a ( e ) I request a reinvestigation to how you verified these two accounts 15U.S.C.1681a ( e ) you XXXX have violation on your report, I need an actual copy of your contract with out that I do not believe the account is mine enclosed are some of the U.S.C. code violation you have committed against me Under 15U.S.C.1681a_e ) I request a list if Friends, neighbors, associates who you contacts by law their name contact information, I don't make the laws but you have to follow them
Consumer complaint received 2022-11-14
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

In XXXX I purchased a show car that only had XXXX miles on it from XXXX XXXX, XXXX California, ( XXXX ) XXXX. The car started breaking down and when it did, I had only had it for a year. The AC broke after I received my free oil change from them, it was working fine when I pulled in the XXXX parking lot. I got it back it didn't work. I previously had a Nissan XXXX  in addition to the Nissan XXXX, and its AC was still working. I called and filed a complaint ; they couldn't help me unless I paid {$450.00} to them. I told them the car had a recall on the airbags and that's dangerous for me to drive. They said I would still have to pay {$450.00} to have it checked out. So, I called the corporate office to see if they could help me get it fixed or place me in another car. They said to call the dealership back and tell them to help me. They still said I had to pay to get it checked out. And refused to put me in another car or fix the problem till I gave them money. Also, the baring 's on the wheels were worn out and I only had it for a year. They told me nothing was wrong with the car because it was a show car, and no one drove it, but it had XXXX miles when I bought it. They didn't help me, so I gave the car back, they reported the same car twice as repo on my credit report.
Consumer complaint received 2023-03-26
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. (GA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2022-07-29
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. (CO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CO XXXX XX/XX/2017 XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I applied for my fist credit card between XXXX XXXX with Capital One. The card that I applied for was the SavorOne Rewards for Students with a promotional rate of 0 % APR for the first 15 months and a {$200.00} bonus statement credit on purchases made in 6 months. When I applied for the exact card, it started that more information was needed to complete my application. I uploaded proof of my ID as request. A few days later I received an email stating that my card has been shipped. Now that I've been using my card, I noticed that I've been charged a APR of 26 % or higher for purchases. I've spoke to a few reps. who escalated my call to the highest department stated who was very unhelpful in resolving my matter. I informed her that I never received anything in the mail, email or during my application stating that I wasn't approved for the promotional offer of 0 % APR for 15 months and a {$200.00} statement credit. She informed me that there's nothing she could do and that she couldn't send me anything stating a wasn't approved for what I applied for. They approved me for a credit limit of {$3000.00} but not the promotions. This isn't fair and I need proof. This is false advertisement and discrimination.
Consumer complaint received 2022-07-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to ensure the accuracy of the information given by XXXX  before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. 
I have contacted XXXX close to 16 times through out the past eight months when the accounts in question appeared on my credit reports causing me to be denied for home loans/refinancing of my car and various other credit applications as a result. 
I have formally written letters requesting investigation with each of the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), without a resolution or proof of investigation.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (WI)

XXXX  XXXX XXXX  was moved to Marcus by Goldman Sachs in XXXX. New card rcvd in XX/XX/2022. In XXXX I spoke with several in mgmt, one was XXXX on XX/XX/XXXX due to my rewards points were expiring & my rewards points not listed on the monthly invoice. It appeared to be rectified but was after several calls & blamed on transition. My current invoice due in XXXX was rcvd without rewards earnings again. These points are actual dollars I can use toward the purchase of a new GM vehicle. Therefore I watch closely to support the earnings are accurate. I called Goldman Sachs customer service XX/XX/2022 & spoke with XXXX. I explained my concern & her reply was : go online, company leaning toward self serve & the earnings rewards are not showing monthly but every other. I voiced my displeasure of not receiving this info as we had for over 15 years this credit card with GM & had no issues. I do not believe the credit card company has the right to withhold the earnings info. It is a primary reason on why I have this credit card for the rewards benefits. If I can not monitor how can I dispute if it is right or wrong or should they decide to remove expired points like before & that was in error. I just happened to stumble on it. Thank you for your assistance in this matter.
Consumer complaint received 2024-10-22
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NY)

This is with reference to old COMPLAINT ID XXXX As per the Consumer Financial Protection Bareau, the case is closed as Amex replied but American express replied to Consumer Financial Protection Bureau and XXXX Me about they opened the dispute as they mentioned in the letter, these are their words -- - " Notwithstanding the above and as a gesture of goodwill, we opened a billing dispute case as mentioned in your CFPB complaint. " The Letter has been attached and s I emailed and followed up number of times and spoke to different departments of American express and all of them confirmed that nobody worked on this and no billing discpute has been opened.. 

I Need help in reopening the case.. 

Thanks XXXX
Consumer complaint received 2024-11-19
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. (CO)

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit reportXXXX 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 2024-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (CA)

Vance and Hoffman Account type collection Balance {$1000.00} Date opened XX/XX/year> I have tried calling the company to dispute but didn't get an answer or an answering machine. I believe this account to be fraudulent and I have received XXXX written or verbal communication this account even existed with the original debt holder, and has now gone to collections with this comany, also with XXXX writen or verbal notice. 

This not the first time fraudulent activeity has been used with my information. I was notified when filing my taxes, someone tried to file in my behalf.
Consumer complaint received 2022-09-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I Filed Dispute with Bank of America credit card services on XX/XX/2022 for amount of {$280.00}. Afterwards, they Asked me to submit all the supporting documents for response, and which I did my full cooperation and waited for about a month and dispute closed with claim not paid result came back. Initially, I intended to order some furniture with merchant in may and shipment never arrived, and I was told item to be arrived in 2 months. But nothing ever showed up and therefore I decided to file dispute on the transaction with Bank of America
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I'm filing a complaint against XXXX, XXXX, Equifax, XXXX. XXXX XXXX, and XXXX because there was a collections against that was falsely opened in my name on XX/XX/2022. XXXX claims that I owe a balance of an XXXXXXXX XXXX  whenever I switched carriers from XXXX to XXXX XXXX. 

I recently messaged XXXX, and they said that it is IMPOSSIBLE to switch carriers when you owe a balance on a phone, and XXXX XXXX XXXX XXXX when I opened the account with them, they didn't see any balance owed AND the XXXX was in good standing. 

Also, when I traded in this XXXX XXXX to an XXXX XXXX, the XXXX was in good standing. I have a variety of evidence to prove my case. Messages between the two carriers, screenshots of the phone 's XXXX in good standing, as well as the receipt for my traded XXXXXXXX XXXX. This has messed up my credit score for a long time, and I wanted this collections account removed.
Consumer complaint received 2022-09-20
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. (AZ)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX, XXXX, MO, XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, XXXX XXXX Date Opened : XX/XX/2006 Balance : {$0.00}
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2023-04-01
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: Experian Information Solutions Inc. (FL)

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4
Consumer complaint received 2022-09-20
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Accounts below have violated my rights. 

XXXX ) XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX Account Number XXXX XXXX Reported Balance {$350.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$39000.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$4700.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$950.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$4800.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$950.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$3800.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$8300.00} XXXX ) XXXX XXXX Account Number XXXX XXXX Reported Balance {$3100.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$7700.00} XXXX ) XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX Reported Balance {$4000.00} XXXX ) SELF/LEAD BANK Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$610.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$1000.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$680.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number xxxxxx XXXX Original Amount Owed {$230.00} XXXX ) XXXX XXXX XXXX XXXX XXXX Account Number xxxxxx XXXX Original Amount Owed {$220.00} XXXX ) XXXX XXXX XXXX XXXX Account Number XXXX XXXX Original Amount Owed {$470.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Original Amount Owed {$160.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Original Amount Owed {$170.00} XXXX ) XXXX XXXX XXXX Account Number xxxxx XXXX Original Amount Owed {$52.00} 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 2022-09-20
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. (AZ)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX, XXXX, MO, XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-08-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OK)

I sold my home and paid off the mortgage XX/XX/XXXX. No form was provided to change the address for an escrow refund I didn't know I would receive. They sent a check XX/XX/XXXX in the mail to my paid off home that they knew I sold. By XX/XX/XXXX it was not forwarded, and all attempts to change my address prior to that were unsuccessful, so I called. Address got changed and I asked them to re-issue the check. The rep asked her supervisor if she could put a rush on it and they approved it, so she said I'd receive the check NLT XX/XX/XXXX. I did not receive it, so I called. The same XXXX canceled the rush and the re-issue XX/XX/XXXX. I asked that since it would be into XXXX, well beyond XXXX days since the initial check was mailed and not received, that they again approve to overnight the check- this is not a small check, it's {$1300.00}. They assured me it would be overnighted XX/XX/XXXX. I am on the phone with them because they were supposed to send me a tracking number and I did not receive it. Once again I am being told they mailed the check in regular mail and denied the request.