davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dear Sirs, I have tried to open a bank account back in XX/XX/XXXX. I was denied multiple times by different banks. upon check on the problem of denial, I had seen that there is a " suspected Fraud '' notating by Bank of America on my XXXX report. I remember having a checking account with bank of America, never had an issue of any kind. Bank of American sent me a letter back in XXXX stating that they will be closing my account without any further notice. I had no problem with that, however, BOA reported " suspected Fraud on my XXXX report which is currently not allow me to open any checking account with any other Bank. 

In XXXX, I disputed the reported directly with XXXX, The reporting was updated to " Settled in Full ''. I'm not aware of any amount I owed to Bank of America that lead to be settled. In XXXX, the Term was updated to " Settled in full '' and consumer disputes the reported information. Early XXXX, I called XXXX and asked them to remove the inaccurate reporting. The rep of XXXX stated that Bank if America is supposed to remove the reporting. 

I mailed Bank of America ( address listed on the report in XXXX FL ) in XXXX to request evidence or at least clarify any of the reporting. Never gotten a response after 60 days. Then I decided to call the number of the department responsible for the reporting, I was transferred to Fraud department, then to Risk Department, then to Closure department. None of these was able to specifically tell me why this reporting is remaining on my consumer report nor why it was reported initially. 

I'm attached a copy of my latest chexsystem dated XX/XX/XXXX report showing the " suspected Fraud, settled in full, consumer disputes reported data.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Southwest Credit Systems, L.P. (IL)

I tried to dispute this collection with a valid identity theft report attached and they are still not honoring this situation. This account was opened fraudulently, with proof attached, it needs to be removed from my credit report immediately.
Consumer complaint received 2019-03-21
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. (MI)

I HAVE BEEN WITH XXXX XXXX SINCE XX/XX/XXXX AND HAVE PAID IN FULL MY MONTHLY BALANCE AS IS REFLECTED IN THE PAYMENT HISTORY OF MY CREDIT REPORTS. THIS IS WITH REGARD TO XXXX XXXX ACCOUNT # XXXX THAT WAS SHOWN OPEN ON XX/XX/XXXX AND LAST REPORTED ON XX/XX/XXXX. WHEN I WAS IN CONTROL OF THE XXXX ACCOUNT AND MADE MY OWN PAYMENTS, I PAID THE CARD IN FULL EACH MONTH LEAVING A XXXX BALANCE. DUE TO HOSPITALIZATION, THE COURT HAD ORDERED A CONSERVATOR, MR. XXXX XXXX, BE PUT IN PLACE WHO WAS SUPPOSED TO MANAGE MY FUDICIARY AFFAIRS WITH PRUDENCE AND ACCOUNTABILITY. 

MR. XXXX REDIRECTED ALL MY MAIL TO HIS OFFICE ADDRESS AT XXXX XXXX XXXX XXXX XXXX, MI XXXX AND TOLD ME HE CANCELLED ALL MY CARDS. I WOULD HAVE EXPECTED HIM TO PAY DOWN THE BALANCE IF I ASCERTAINED THAT THOSE CHARGES WERE MINE BUT THE COURT TOOK FINANCIAL CONTROL OUT OF MY HANDS AND LEFT IT TO MR. XXXX WHO NEGLECTED TO ACCOUNT FOR MY CREDIT HISTORY AND FINANCIAL WELL BEING. 

I HAVE NO IDEA WHETHER THE CHARGES SHOWN ARE MINE OR MR. XXXX 'S OR A RESULT OF MY VEHICLE BEING AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES WITH ID CARDS, CHECKBOOKS AND CREDIT AND DEBIT CARDS OF MINE IN THE VEHICLE THAT WERE NOT SECURELY DESTROYED OR RETURNED TO ME. I MADE THE REPORT TO XXXX XXXX THE SAME TIME I WAS RELEASED FROM THE HOSPITAL AND WAS TOLD THAT NEW CARDS WOULD BE RE-ISSUED AND THAT I WON'T BE LIABLE FOR CHARGES THAT ARE FRAUDULENT OR NOT MINE. 

I DO NOT KNOW IF NEW CARDS WERE INDEED ISSUED BECAUSE MR. XXXX KEPT ALL MY FINANCIAL AFFAIRS TO HIMSELF AND HELD MY ACCOUNTS WITHOUT GIVING ME ACCESS TO MY MAIL OR MY CREDIT/BANK ACCOUNTS. HE HAD NO RIGHT TO CANCEL OR MAKE CHARGES ON MY CREDIT CARDS.
Consumer complaint received 2022-06-22
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. (CA)

Hard inquiries by these following companies I will list underneath broke the law according to the FCRA [ Farir Credit Reporting Act ] " NOTHING CAN BE FURNISHED ON YOUR CREDIT REPORT WITHOUT YOUR CONSENT IN WRIGHTING
Consumer complaint received 2021-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I understand that the XXXX credit bureaus report information they received. How many times must I keep reporting the same problem. Then I was told that you all are the ones that monitor the credit reports. I'm not sure how that work, but to me it seems like a conflict of interest to me. How can I receive fair credit reporting if you all are working together to keep me where I'm at, I feel this is discriminatory and unfair to me. Every time I feel I'm getting ahead, the bureaus do something to knock my score down. I'm a XXXX Veteran and I have tried everything to get my credit report straight. I have had enough, something has to be done about this, not only is it unfair but it's out and out discrimination ....
Consumer complaint received 2021-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB (LA)

On XXXX I placed order XXXX with XXXX, XXXX XXXX XXXX, XXXX CA XXXX. I paid through Klarna. I canceled the order the same day. XXXX advised I could not cancel until the item was delivered. I rec 'd a notice from Klarna to make a payment. I advised Klarna I cancelled the order, and closed my acct to stop further withdrawals. I continued to receive notices from Klarna to pay. I contacted XXXX, who said they did not know when the item would be delivered. I contacted Klarna, they said they wanted paid. I said I didn't receive the item. In XXXX, Klarna said they received proof of delivery from XXXX, but failed to provide the underlying documentation. They told me to file a complaint with XXXX. XXXX said to file a complaint wiht Klarna.
Consumer complaint received 2021-11-11
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: Adler Wallach & Associates, Inc. (CA)

On XX/XX/2021, I contacted AWA collections and XXXX about the item they are reporting as a duplicate account, rather increasing the total balance and collecting twice the amount ie {$10000.00}. The original amount of this debt is less than {$4000.00}. 

AWA Collections is fraudently reporting this account twice, and trying to collect double the amount, they changed the account numbers for the same debt, and increased the balances.
Consumer complaint received 2021-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

on XX/XX/2021 i submitted documentation on a dispute i had and was never replied back too with transunion and XXXX after that due to the fcra laws my crdit score shouldve increased instead it dropped
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (VA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

CapitalOne closed my account while saying it was restricted and continuing to take payments over {$300.00}. I spoke to customer service to let them know payments from my old checking account no longer worked and made new payments from a different checking account. They thanked me for letting them know and took the payment all the while saying the account was restricted not closed but having actually closed the account. Their app still shows the card as restricted not closed and they claim to have sent correspondence that was never received and claim they had every right to take payments while misconstruing the accounts status.
Consumer complaint received 2020-11-27
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. (LA)

On XX/XX/2020 I've file a dispute for unknown and inaccurate accounts on my credit report but I haven't receive a response and it is almost over 30 Days now since I've filed. I was a victim of XXXX  Data Breach. I demand to Delete all those accounts or I will file a litigation.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX, NJ XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Resident XXXX complex XXXX XXXX XXXX XXXX, NY XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX, NY XXXX Resident typeSingle XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, NJ XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX NJ XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Resident typeSingle family THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Consumer complaint received 2021-09-24
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. (PA)

I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/PPC-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

Cash app has allowed a SECOND account to be opened with my info. In their response to my previous complaint filed with the CFPB they stated they would not allowe my info to be used further. Today, XX/XX/22 I received a cash app card for a new account using just my first name- they didnt even require a last name in opening the account. Cash app still does NOT have any sort of fraud protection that will speak to you and as of today I have yet to have the second account closed. 

Cash app needs to CLOSE this account immediately and STOP allowing new accounts to be created using information THEY KNOW is fraudulent as they have been notified multiple times via here and directly that the info is fraud. Yet they still continue to allow the stolen information to be used to open new accounts. This is the 2nd time in a month! 

Attached is the response from cash app about the first account which they clearly did NOT adhere to.
Consumer complaint received 2022-01-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (TX)

I received a presentment from Ameri Collect about an alleged debt that was either purchased, obtained on-line not sure how they obtained it but I know for fact I never enter into any agreement or contract with said entity. I been asking for proper validation of said agreement ( as opposed to cheap copies of personal medical data which is violation of HIPAA but nowadays computer hacking is rampant ). I recently received correspondence XXXX that in one claim with an entity ( 24 collections that were being reported on my consumer credit report causing unlawful damage and suffering ) that they " requested '' the 3 major credit bureaus to remove after all time that has passed and affected my livelihood and well-being. Which is equivalent to admitting they made an error in reporting the 24 collections to the credit bureaus and yet gave no reason. Which by consumer law any error or false reporting of information can be fined up to {$1000.00} each not to mention jail time. I AM A CONSUMER WITH RIGHTS! Now in exchange to overlook taking legal matters I made the offer for said company to DELETE 2 other collections their reporting on my credit report ( mainly XXXX  ). Being a non-combatant sovereign I'm going through the proper chain of command and protocols before proceeding to follow up with litigation.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent letters within last 45 days in regards to me not being able to obtain a credit score or report from all three bureaus, this issue is causing a big XXXX because they are not responding to my letters and im paying for a credit monitoring subscription and still cant access a report. NO communication and no reports have been sent to my address.
Consumer complaint received 2022-12-03
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. (NC)

I have reached out to XXXX  on multiple occasions, through several different avenues, throughout this past year in attempt to dispute the following information that appears on my XXXX or XXXX and/or TransUnion consumer report ( s ) : * High Balance * Date of Last Activity * Date Reported * Date Opened * Closed Date * Account Rating * Last Payment However, this inaccurate information is still being verified and reported by XXXX XXXX each month. The information can not be both valid and different. Each bureau is reporting different data in each category. I request all three XXXX XXXX accounts listed below be removed immediately from my credit report with XXXX, Transunion and XXXX. XXXX is in direct violation of my rights under FCRA. 

XXXX  account numbers : * XXXX * XXXX * XXXX
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2014 my bill for account COMENITY BANKXXXX ( opened XXXX XXXX, 2014 ) did not go through when it was on the auto-bill in the bank XXXX XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2022 I received an email from Bank of America online banking reporting that a checking account was opened in my name. I received the confirmation code, last 6 digits of the account number. I called Bank of America and spoke with XXXX in the fraud department. The case number is XXXX The account was closed. The impersonator used my SSN, date of birth, full name and email address.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AL)

I have several credit cards through Comenity Bank. I always pay my cards early to avoid late fees and negative reporting that would affect my credit score. I tried paying a few card bills on XX/XX/22 when I got the message that the had undergone maintenance and I would have to call back later. I have continued to try to call everyday since then and I continue to get the same message. I even went as far to check their XXXX  page on XX/XX/22 and it also show a message stating the have undergone a planned system update ( I took pictures of the message ). I do not want my credit to be messed up because they fail to have a plan in place for payments to be made timely while they make update. They do not offer the option for you to speak with someone so I follow up with other customers who pointed me here for possible help.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I first recognized a problem trying to use my debit card on XX/XX/2022, when the card was rejected for payment. Shortly thereafter on the XXXX, I called my bank asking why the debit card was rejected, & their answer was that that they were no longer accepting checking accounts under a Trust Account & that I had not sent paper work back to them on a given date which had expired.. They closed my checking account & would not allow any trans-actions other than credits into my my account. I spent over 2 hours on the phone trying to resolve the problem on that same day to no avail. I am a senior citizen living on SSA & retirement military pay from my deceased husband, which is my only source of income. They said the only thing I could do was open a new personal account with their institution & that all transactions with the account under my trust name were frozen until debits had hit the account. I am crippled monetarily as I can't have access to my SSA & DFAS deposits to pay any bills or access any $ out of this frozen account that will be closed when all debit transactions have stopped. 
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Consumer complaint received 2021-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying since XX/XX/2021 by certified mail on several times requested TransUnion to validation this collection that appears on my report ( XXXX XXXX XXXX Opened XX/XX/XXXX {$540.00} With no account numer ). I have no knowledge of this collection and have requested full validation for the credit to show proof that this collection belong to me. I have asked for signed copy of the contract with my signature. I have no problem fulfilling my obligation but wanted to ensure it is mine to pay especially when it shows up on my report without an account number. Please have Transunion ASWER my letters. I have attached copies of all my requests for this action.