davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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)

It has been longer than 4 days and consumer reporting agency still reporting the accounts to the credit bureaus. My reputation is being tarnished and I am trying to get a home but can not due to these fraudulent accounts. Some accounts has been removed but all needs to go. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITER CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2022-09-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (CA)

In XXXX of 2022 I received an international wire transfer per the attached screenshot. Ally bank for a reason unknown received the money and then sent it back to the sender, which the original sender has as of the date of this complaint not received. I have called and written emails to Ally Bank to find out where the money is and no one seem to be able to give me any answers and hands me off to other representatives who also have not much information. I am requesting that this be investigated so that the sender can re-send me the money as this was for a refund on a vacation. I am requesting that Ally bank communicate in writing only regarding this matter please.
Consumer complaint received 2023-03-27
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. (TN)

I was alerted by XXXX XXXX of a account showing past due. upon looking into the alert I noticed a account with XXXX. I did not open give permission to open or have any knowledge of this account. a complaint with the FTC has been filed and communication with the company results in me being hung up on. after review the company XXXX  did not pull my credit as there is no inquiry shown had this been done it would have shown I'm a victim of identity theft and they should not open any accounts in my name. this company clearly does not adhere to the FCRA federal rules and demands payment for an account I did not open.
Consumer complaint received 2020-11-30
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: JPMORGAN CHASE & CO. (CA)

My account was requested to be closed by me and was officially closed and purged on XX/XX/XXXX. I received a refund to a purchase of {$1800.00} that was made before the account was closed and purged. The credit of {$1800.00} was issued by the vendor on XX/XX/XXXX. I have not received {$1800.00} back from the credit card company as of XX/XX/XXXX.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

The information listed on my credit report are all more than years old and reflect closed but have not been removed, please see below : XXXX XXXX  - Closed XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX - Closed XX/XX/XXXX XXXX  - Closed XX/XX/XXXXXXXX XXXX XXXX- Closed XX/XX/XXXX XXXX XXXX XXXX - Closed XX/XX/XXXX XXXX XXXX - Closed XX/XX/XXXX XXXX 2 accounts
Consumer complaint received 2021-05-01
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: Experian Information Solutions Inc. (CA)

On the following dates I filed the following disputes with CFPB : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX CFPB - you have allowed the credit bureaus to not act accordingly to my FCRA rights as a consumer. I have filed several complaints with you, which you've closed my complaint every single time. You have allowed the credit bureaus to use the stall method acting as if I was impersonating someone else which is XXXX. I am the original creditor per the FCRA and no debt can't be validated unless " I '' the consumer validate it. This has caused me XXXXXXXX XXXX loss of employment due to this public record on my credit report which is a violation of 15 USC 1692d ( 1 ) states any bad debt furnished on my credit report is ruining my reputation. This defamation and emotional stress. 

I have been asking for a remedy and haven't received anything yet. My privacy is being violated continuously. Since you have been closing my accounts with no remedy and not holding the credit bureau accountable, if this issue is not resolved I will be seeking litigation on you.

I am a California Consumer and I will refer you all to the district attorney office. 

I have also filed a complaint with the FTC and XXXX 

Removed this off my CREDIT NOW!
Consumer complaint received 2022-08-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (OH)

A plethora of fraudulent transactions occurring through my debit card with Ally Bank, which I have in my possession. A total of 3 fraudulent transactions, totaling about {$340.00}, all within one day being XX/XX/2022. I can only assume poor security on the bank 's part, seeing that this has effected most of their customers but haven't seen complaints with other banks. Called in to report the fraudulent activity, waited 2 hours on hold, was able to speak to someone who cancelled the current debit card and issued a new one. However, there was no recommended action to either wait to activate the card until the issue is resolved or permanently lock the card until the issue has been fixed. Just " here ya go, a new card, good luck with the fraudulent activity '' type of response. I filed disputes on the fraudulent charges with the bank and am waiting to see what happens.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP (IL)

I am a victim of the violations that were discovered by the CFPB 's investigation of US Bank, that found the bank engaged in unscrupulous practices that resulted in many violations of various consumer protection acts. The specifics of these violations that directly affected me, are detailed in the attached documents. Furthermore, I asked for documentation proving that no violations occurred when this account was opened. I was told by US Bank that I need a subpoena to access such documents. I am questioning why do, I need a subpoena to access documents for an account that was allegedly opened legally baring my name?
Consumer complaint received 2022-11-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (GA)

I applied for a checking and savings with Citibank and they called me the next day to verify my accounts and for some odd reason they done it one by one. Savings first and then checking. My savings went through so they called me back later to do the verification for the checking in which the representative barely spoke XXXX and input the wrong information on my credit verification and when I asked him about it and why he did he hung up the phone on me causing me to fail verification. I called back to get an explanation and everyone keeps saying they cant help me without a card number or account number in which they never gave me. They were so rude and mean about the situation and continued to hang up on me or transfer me to another recording or something that gave me no response. I have been trying to settle this situation with them for a week or more and I can never get help its always a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they are seriously hurting peoples business with their ignorance and hate. I feel as I was XXXX  against and they automatically didnt like me upon hearing my voice. Its impossible to speak with a respectful or helpful person. And I would advise everyone to never deal with this bank. Once they have your money they can do whatever and its no one to speak with.
Consumer complaint received 2024-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC (PA)

I filed a PMI Removal Request with Roundpoint Mortgage on XX/XX/year>. 

I received only an automated response back from RoundPoint - no information on how or when the process would occur. 

Out of the blue, an appraiser contacted me on my cell phone on XX/XX/XXXX telling me he would be at my house at XXXX. He came and took an assortment of pictures. 

I heard nothing back from the mortgage company during this time. I called RoundPoint on XX/XX/XXXX inquiring about the status of the request. I was told that the PMI removal request was denied. I asked to see the XXXX, at which point they told me it was currently unavailable but I would receive it in 3-5 days. Again - I had to beg for information here. I also was not given clear instructions as how I was going to pay for the XXXX. 

I received the XXXX on XX/XX/XXXX, and it indicated an appraisal price of {$580000.00}. My current outstanding mortgage is {$420000.00} ( principal ). This indicates to me that there is a LTV of 73.642 %. I called Roundpoint mortgage asking what was going on with the removal request, and again was indicated that the request was denied and that the loan was currently 91 % LTV. I asked how this conclusion was made. I was put on hold for 20 minutes at which point I was told I would need to wait 7-10 days before this was finalized.

It has now been 10 business days - I have not received any information from Roundpoint and when I called again today, I do not get any further than a customer service representative that is not equipped to have these conversations. It also takes forever to simply get ahold of someone. The mortgage company is understaffed and not prepared to make real decisions regarding my financial livelihood.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card 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 have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-12
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. (NY)

This letter serves as my final demand to have the inaccurate and misleading information on my credit report removed immediately. Despite my repeated disputes and your obligation under federal law, your company continues to report inaccurate, unverified information that has caused severe damage to my financial standing.
Consumer complaint received 2022-07-18
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)

After looking at my credit report, I was puzzled by incorrect information appearing on it. It is very important that CREDIT BUREAUS keep an accurate credit file. There is Bankruptcy XXXX XXXX-discharged US BKPT CT XXXX XXXXXXXX Filed XXXX XX/XX/2021 Reference number : XXXX reported in Experian and XXXX Bureaus that is NOT MINE. It should be noted that I have never filed for a BANKRUPTCY and the number listed that I have no idea what it is and it is not clear to me why this is even on my credit file, my best guess is that a comparable person with a name similar to mine filed for bankruptcy and somehow got listed on my credit report account fraudulently, this person must have also filed this Bankruptcy in an effort to attempt to clean up the account opened, and perhaps to open another account in the future. I called the XXXX XXXX Bankruptcy Court located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXXXXXX XXXX XXXX Phone number was XXXX. The court has DISCHARGED this Bankruptcy because I was not the one that filed this public record. Please remove this bankruptcy from my credit report now! This has caused me nothing but trouble!
Consumer complaint received 2024-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2020-10-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XXXX XXXX my credit card was used for transactions that I did not initiate. The transactions continued to occur until the transactions were taken out of the state of Illinois which is when Bank of America finally flagged them and notified me there may be fraud. I have not left the state of Illinois, nor have I traveled to the places these fraud charges were made in. I also live alone and do not have anyone that can access my physical credit card. Once I was notified by BOA that fraud was occurring I called immediately and put a hault on my card ( which was in my physical possession ). The representative stated that's weird because the charges were made using the chip in the card. We deactivated the one in my wallet and a new one was shipped to me.  BOA denied the fraud claim weeks later as " the chip was used ''. Yet, I called back and stated it was not me and they need to dig deeper. The representative asked if I received a card with a " new touch less feature ''. I said " no, I'm not aware of that and nobody informed me a new card was being shipped to me ''. She stated that it was all making sense now and that my card just have been stolen in the mail. I was appreciative of her help and expertise and it all made sense. However shame on BOA for mailing me a card and never telling me. However, even after a police report has been filed, months later, I am struggling with Bank of America to return my funds. I have filed a complaint on here before only to be dismissed. This entire case has been ridiculous and falls on BOA being incompetent to actually investigate. Facts - I didn't even know a police report would help until I continued to follow up and a representative told me " it's not required but it will help to get one ''. I  was unaware the police, in a major city like XXXX, would even spend the time on a case like this - but I filed it and still have charges on my card I did not make. A consumer should not have to be put through this and have this agony because a large corporation wants to protect themselves. I did no wrong and have been a BOA customer for 25 years. Silly, they send me a congratulations on 25 years notice but can't handle a case. I may have to get an attorney as we will file for more than the fraud charges and attorney fees.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act ; XXXX, has violated my rights with an unauthorized inquiry on 04/04/22. 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 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NJ)

A written request was sent to all 3 credit reporting agencies requesting both my credit file and credit report. Neither company has responded and are violating my consumer rights by withholding my personal information.
Consumer complaint received 2024-11-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am writing to dispute unauthorized hard inquiries on my credit report. According to the FCRA, any unverified and unauthorized inquiries must be removed. These inquiries were not authorized by me and lack permissible purpose or any other valid reason. Please investigate and remove these inquiries promptly.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2020-05-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XX/XX/20 a request for validation, not verification was sent. On XX/XX/20 I received a letter telling me they received my validation letter but failed to give me information I requested to validate the debt. There letter to me stated I owe XXXX. Lastly, this debt was sold by the original creditor to a collection agency.