davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am very disappointed at Bank of America. 
Bank of America CLOSED my Checking Account that had a POSITIVE BALANCE of over {$200000.00}!! I am also a PREFERRED REWARDS PLATINUM/DIAMOND customer!! 

We called and after between transferred 4 times and escalated to a XXXX, we finally got our answer. 

The STATED REASON from the XXXX is because they PERIODICALLY REQUEST customers to ensure their CONTACT INFORMATION is updated. However, I do not reside in the US so did not receive phone calls from them. I logged into my Bank of America online portal from my XXXX at least once a week and NO SUCH REQUEST ever showed up on BofA 's MOBILE BANKING APP. 

I asked BofA that since this is SUCH A MINOR ISSUE and i am confirming all MY INFORMATION is UP TO DAY, if they can RE-OPEN my account BofA says they CAN NOT RE-OPEN my account and REQUEST me to OPEN a BRAND NEW ACCOUNT if i want to keep my banking. 

I find this very odd and suspicious that they can not reopen my bank account and the only way to resolve this is to open a brand new bank account?????
Consumer complaint received 2022-04-24
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: EQUIFAX, INC. (NJ)

In the month of XXXX in XXXX, I discovered that Equifax had published several unauthorized items on my consumer report without permissible purpose. I sent a dispute letter to XXXX on XX/XX/XXXX via USPS Certified postage. They NEVER responded to that dispute letter! 

These blatant actions that the Executive Officers of Equifax clearly condoned have caused me loss of business relationships, XXXX instability, XXXX and XXXX XXXX due to public embarrassment and shame by my family who mistakenly opened and read my mail, ( due to a similar name ) discovering these several unauthorized items on my consumer report published without permissible purpose.
Consumer complaint received 2022-05-17
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2020-03-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

After losing my job in 2010, I applied to my mortgage holder Bank of America for a modification of my existing mortgage. After months of applications, I finally received a letter from BOA denying my modification because, to my surprise, I was informed, by BOA, in writing, that my mortgage was paid in full. 
Naturally, I immediately called their Customer Service Department and was given the run around that denied the validity of the letter they sent me. However, they refused to send me a letter in writing denying the letter 's validity. I have been informed in the past that when financial institutions make similar 'mistakes ', the institutions themselves are responsible and must suffer the loss.
Consumer complaint received 2023-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681, Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code {$1600.00} ( p ). Also violating 18 USC 894. Using my TRADENAME without express written consent in violation of XXXX $ XXXX Names Reported, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They ( credit furnishers ) have violated my rights, and restraint of trade in violating of 15 USC 1, and 15 USC 2 Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent 15 U.S. Code $ 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.

All negative items to be removed, To be compensated for all payments sent.
Consumer complaint received 2022-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

I was a authorized user on my partners account Goldman Sachs Apple Card, Opened in XX/XX/2021. In XX/XX/2021, I wanted to open my own account, so I closed the authorized user account and I opened my own account. The problem started when my partner and I became co owners for the Apple Card. After we accepted the new APR and combined credit limit, my card disappeared from my mobile device and it said my account was closed. And since then, theres no option to add my card in the wallet app. I cant activate my physical card. Ive been trying to fix this issues since XXXX. Ive called multiple times, Ive chatted multiple times. The last time I spoke with someone it was a manager I believe and they said they were going to look into it but that was about 2 months ago. So I basically have a Apple Card co owner account open that I cant use and have no access to. It shows up on my credit report as a joint account. Goldman Sachs has not fix since XXXX. Its been affecting my credit score.
Consumer complaint received 2022-04-24
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: Nelnet, Inc. (NY)

The thirdy party Nelnet has an account open in my name that does not belongs to me I continue to dispute these 12 account that is under nelnet but the credit bureau will not removed these account that are 17years old and counting. Every year Nelnet keep reopening the account I stead of being closed and removed. Under code15us 1681b
Consumer complaint received 2023-01-16
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)

XXXX, XXXX, and Experian have failed to removed several inquiries that I did not authorize. I have sent letters to each bureau detailing that the information is not accurate. The companies XXXX XXXX, XXXX, and or XXXX XXXX claims that they are indeed accurate. I never authorized anyone to pull my credit to address mortrgages. 

According to the Fair Credit Reporting Act, they are required by federal law to ensure that all details being reported on an account must me 100 % accurate and verifiable. If they are unable to correct these inaccuracies for any accounts listed, then per FCRA requirements they should have removed the inaccurate inquiry ( s ) entirely from my credit report.

Thank you for your attention to this matter.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Was at Kohls store located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. When checking out I wanted to use Kohls XXXX. The cashier said she needed some information to look up my account. I gave her the requested information including my driver 's license and SSN. She then preceded to use my information to apply for a Kohls Credit card with out my consent. After checking out she told me the charge would be made to my Kohls Credit card. When I explained to her I did not have XXXX, she said " I just signed you up for XXXX '' I did not consent to this credit card. This was XX/XX/23 XXXX
Consumer complaint received 2022-04-24
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)

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. XXXX XXXX XXXX Bankruptcy -Reference XXXX XXXX Account XXXX : XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX Untitled Medical Collection Account number : XXXX Untitled Medical Collection Account number : XXXX Untitled Medical Collection Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : 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 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 2023-01-16
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. (IL)

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 the 15 USC 1681. 

Account Name- XXXX Acct # XXXX XXXX XXXX XXXX Acct name- XXXX Acct # XXXX 15 U.S.C1681 section 602 A. states that I have the right to privacy.

15 U.S.C section 602 A. It states a comsumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer reports containing any of the following items of any information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2022-04-23
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX 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 2022-04-23
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. (SC)

On XXXX XXXX I submitted a dispute to all 3 credit bureaus Equifax, XXXX, XXXX in regards to some inaccurate information being reported. They never launched an investigation into the matter. I never received any documentation confirming the results nor any proof to validate that these negative items belong to me. I have no knowledge of this accounts and have not signed any agreements in regards to these accounts. 
XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX  XXXX ACCOUNT # XXXX
Consumer complaint received 2021-03-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

I wanted to attend XXXX  XXXX University, the day before move in they said I needed XXXX $ XXXX tried to apply for a loan but needed a co signer. My aunt co signed ... its been collecting interest since 2008. My student loan has now double, I cant afford to make payments and the only help they offer was to pay the interest that was still almost XXXX $ while the payment is XXXX $ a month. They also asked if I could get help with my payments. I just dont see how I will be able to pay this student loan off.
Consumer complaint received 2020-04-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation (SC)

I opened this loan with Regional back in 2018. The branch manager XXXX was nice at the time of the loan, but as time went on she became very rude and unprofessional. I've had a financial hardship which caused me to fall behind on the agreement, I've reached out several of times to offer a settlement to pay this balance, and have it removed from my credit and even spoke with corporate several of times. I was approved of an {$800.00} settlement, but never received anything in writing stating that they would remove negative item from my credit report. I am wanting to resolve this issue because it is hindering me from moving forward with employment, which is causing great stress. I am willing to work with this company, but I will need them to hold their end. I was informed by the Branch Manager that she would reach out to all credit bureaus once settlement paid in full to have item no longer reported to my credit, it would be a pay for deletion.
Consumer complaint received 2020-05-14
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: SYNCHRONY FINANCIAL (IN)

The below accounts we discovered on my credit profiles when I checked yesterday, because I was looking at buying a building and needed to know how my credit score. 

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 2023-01-16
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. (AZ)

This item is inaccurate because the CARES ACT provided protection to consumers who were affected during the COVID-19 Pandemic. The late payment with XXXX XXXX ( Acct # XXXX ) shows on my credit report XXXX 2021/XXXX 2021. The CARES Act provided consumers with protection as many of us were on very hard times. We soon after received Forbearance on our Mortgage and didn't receive approval until several months later. I believe this adverse information has been incorrectly added on my credit report. Please reinvestigate this matter and remove the negative payment history from my credit report.
Consumer complaint received 2023-01-16
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. (FL)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-27
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: EQUIFAX, INC. (NC)

This is XXXX XXXX and I am submitting this CFPB complaint to follow up the previous Complaint requesting the removal of the fraudulent accounts and information off of my Credit File. It is important to emphasize that, according to the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are causing significant harm to my creditworthiness. I did not open the following accounts neither did I authorized anyone to do so in my behalf, therefore I need you to remove the following items as soon as possible : XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$300.00}. I want to make it clear that I have already reported this fraudulent activity to the appropriate authorities and provided all the necessary documents to prove the fraudulent nature of these items. I have also requested that the responsible creditors investigate the matter and remove them from my credit file.
Consumer complaint received 2022-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (GA)

We went into forbearance with a mortgage balance of approximately XXXX. After we came out of 12 month forbearance, US Bank took our missed payments and just added them onto our principal. Our mortgage increased to almost XXXX. How is this legal? We did not take any money. Essentially we added 12 months to our mortgage. We do not know what to do.
Consumer complaint received 2022-04-23
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-03-03
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. (PA)

My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Fraudulent account Account Name : XXXX XXXX XXXX  Account Number : Account was opened : XXXX XXXX Account Balance : {$1100.00}
Consumer complaint received 2019-10-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MO)

I was approved for a mortgage through XXXX XXXX   XXXX and Quicken loans ... pending underwriting. I proved rental history through signed letters from landlord and from taxes. Due to the fact I could not prove through a bank statement from XX/XX/XXXX to XX/XX/XXXX they denied my mortgage and proceeded to state they can keep my {$1000.00} earnest money. I proved all other dates and years through the bank statements I did have. I am a XXXX XXXX survivor and a single mother. This whole processes has taken hours of research time and money for copies, faxes, postage and they kept moving the close date because they could not preform their duties on time. I feel like I was unjustly treated for not having a bank account during those months but had proved rental history through all other documents. They have denied a safe dwelling for my children and I.
Consumer complaint received 2020-05-14
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: Experian Information Solutions Inc. (UT)

I have been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MA)

After reviewing my credit report, I am not happy to see the below items that are still showing in there as negative. An error to my credit report have not yet fix I've sent you too many letters to correct your record which is my credit report.