davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-09-27
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



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 XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-20
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 (FL)

On XXXX XXXX XXXX my information were using without my knowledge.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
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. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

U have been disputing this item for over a year this is not my account removed this tradeline immediately it is affecting my credit score and I cant take out a mortgage if this is still on my credit..you guys sent me a letter saying it was deemed fraudulent so please remove this off my credit report I can sue for damages for inaccurate reporting by federal law you have 30 days to investigate this
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (NY)

In XX/XX/2023, I began the process of communicating with XXXX, Equifax, and XXXX to address MAJOR inaccuracies on my credit report AND my credit file. Despite these repeated attempts, all 3 CRAs continue to disregard my letters and my dispute submissions via their respective online portals. As a result, I continue to be financially disadvantaged and harmed by all 3 CRAs for their repeated negligence and recklessness in regards to their poor maintenance of BOTH my credit report and credit file. It has also caused my FICO score to drop to the low 500s and caused me to be denied credit by several potential creditors. Specifically, XXXX, Equifax, and XXXX continue to violate 15 USC 1681 ( e ) which states in part, that the CRAs are required to " assure MAXIMUM POSSIBE ACCURACY ''. My credit report AND credit file are different and none of them are accurate across all 3 CRAs. Specifically, I have 1 address ONLY and have only lived in 1 state which is New York. Yet, all 3 CRAs list addresses in CA and PA none of which are mine. Despite numerous letters sent to all 3 CRAs other addresses continue to be misattributed to my credit report and credit file. I have also sent a notarized police report AND notarized FTC identity theft report as evidence that my identity was stolen yet all 3 CRAs have ignored these legalized documents and violated my federal rights.

Additionally, all 3 CRAs continue to report inaccurate transaction history in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) which is under " Exclusions '' to the consumer report and states in part that information pertaining to the " transactions or experiences between the consumer and the person making the report ''... Thus all 3 CRAs are in violation of this code by continuing to include the financial transactions and financial history of the credit accounts on my report. Additionally, all 3 CRAs further violate both of these codes by reporting inaccurate balances because they never include the cents amount ALONG with the dollar amount of those alleged balances and transaction histories. For example, I attempted to dispute this with XXXX however I was prevented from doing so on their website ( see attachment ) and it prevented me from doing so. XXXX and Equifax have locked my account, respectively, on their websites so I am unable to continue disputing these inaccuracies online.
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

1. In XX/XX/XXXX-XX/XX/XXXX, I made XXXX investment (rental) home purchases in Florida. Fraud intent loan applications were submitted by mortgage brokers wilfully, selling XXXX apartments in same complex to me, same day. Submitting my applications fraudulently (for 1st and 2nd mortgages on each) to 1. Different banks on same day ! 2. Putting "primary residence' as info so banks can make the loan-all can profit from such practices. Such banks were: Bank of America, Countrywide, XXXX, XXXX, and others that went under since !

2. Now these BAD LOANS are sold (for pennies on the dollar value) to XXXX 'bad loan' shark markets, that engage "collection agencies', these then employ/ recruit law offices to sue to collect as much as they can in a) settlement or b) lawsuit for full amounts plus ridiculous/ "max ALLOWABLE CUSTOMARY" charges Law office charges for income garnish.

3. All in all : Victimization. And only a few are selectively so, while others have been consolidated on paper by system bankrupted by such pratices.

I am also going to write such details to political parties and presidential candidates, so that others in my fraud intent forced situation can be protected.
Consumer complaint received 2023-08-09
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: WELLS FARGO & COMPANY (NC)

XXXX hard inquiries that I have no knowledge of XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ). XX/XX/XXXX XXXX XXXX ( XXXX ). XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ). XX/XX/XXXX XXXX XXXX ( XXXX ). XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ). XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Finance ). XX/XX/XXXX XXXX XXXX XXXX XXXX ). XX/XX/XXXX, XXXX XXXX Bank XXXX XX/XX/XXXXXXXX XXXXl ( Bank XXXX XX/XX/XXXX XXXX Hard inquiries that I have no knowledge of XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CENTRAL BANCOMPANY, INC (OK)

I opened a central bank checking account XX/XX/2023 because there was a promotion that was going on, one of the terms of the promotion was that if i have a direct deposit equivalent to or more than {$500.00}, i would get a bonus, so i set my direct deposit from my work to my central bank checking account with the amount that met the requirement. Then, out of the blue, i could not access the account at all, i called in and if memory serves me correctly, they told me my account was closed by the fraud department because i committed a fraud which i did not. If what they claimed was true, they would had sent the authorities, i would be in cuffs, and had been charged for fraud. But, i didnt commit any fraud and since what i said did not happen, they never had the proof to claim that i committed a fraud, yet they still closed my account. I'm reaching out to CFPB because i believe that they owe me the promotion money that they promised. I already meet the requirement in the promotional terms and condition, it was not my fault that they have an over active system that suddenly flagged me doing fraud when i did not, if i truly committed a fraud, where is the proof? I believe they closed my account after the fact that i met their requirement ( direct deposit from my work of {$500.00} ) was because they did not want to honor the agreement which was to give me the promotional bonus as promised. Banks that promises to give promotional bonus and close their clients accounts after they completed the requirement claiming their clients committed fraud should be investigated, exposed, the way XXXX XXXX did recently.
Consumer complaint received 2020-07-20
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 — Investigation took more than 30 days
Company: CNG FINANCIAL CORPORATION (CA)

Creditor sold account to multiple collection agencies and collection agencies may have sold account to other collection agencies. I've been getting harassed. I paid off the debt to a collection agency, but multiple collection agencies continue to contact me over the debt.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (PA)

I held a XXXX  XXXX store credit card for several years and had excellent payment history. I had about $ XXXX in available credit. I received a notice from the card provider that they were reducing my credit limit leaving me with virtually no credit available. I continued making payments on time. Then I got another letter saying they were reducing my credit limit again wiping out all available credit. I continued to pay on time. They again sent me a 3rd letter reducing my credit limit and keeping available credit at XXXX. I called them and they said they didnt know why the company would do that since I had excellent payment history but too bad. Then they sent me a special offer for my birthday that I couldnt use because theyd completely reduced all available credit. Haha! I called them again to complain. Again they couldnt understand or provide an answer. So I stopped paying to get their attention. They just started adding fees for nonpayment. Now the amount I owe them is much higher than the amount of my final reduced credit limit and outstanding balance but still less than the credit limit I had before they starting the 3 credit limit reductions. They instigated this situation. Why should I continue to pay on a credit card that keeps renegotiating the terms out of the blue when Id been so diligent about using the card responsibly?
Consumer complaint received 2023-08-09
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. (NY)

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 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC. (AZ)

Robinhood has recently added a link debit card feature for instant transfers in/out of the account. Ive tried out the service, which only allows you to link 1 debit card at a time, with 2 separate cards. Now that Im attempting to add another card, Im getting an error that the maximum amount of cards have been linked, please use a card youve already verified. 

When I first chatted with support, I was told its an ongoing problem that multiple customers are facing, and theyre working on the issue - theres no time frame for when it will be resolved. 

Almost a week later, I called support and the agent XXXX told me that theres a maximum limit of 2 debit cards linked to Robinhood for the lifetime of the account. This is the opposite of what the first agent told me, and doesnt make sense, as Robinhood did not disclose any limit before/during the process of linking a card. I requested for XXXX to transfer me to a supervisor but she refused and stated she would escalate. I still havent heard anything from a supervisor or manager.

Robinhood consistently has terrible customer service with opposite responses between level one support agents. They make it nearly impossible to get in touch with higher level management because they seem to lack internal transfers in their phone system. 

I need real clarification from a supervisor/manager regarding this limit for debit cards. If the 2 card limit is true, I need both previous cards to be removed from my account so I can add my new preferred card ( s ).
Consumer complaint received 2019-02-18
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: EQUIFAX, INC. (TX)

I'm a victim of identity theft, in which I've contacted the XXXX  and Equifax of such, but the bureaus failed to block the charged off XXXX XXXX account under 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days XXXX XXXX # XXXX Please see attached copy
Consumer complaint received 2020-07-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

XXXX  ; Experian and XXXX  not researching and properly reporting that the following accounts are in fact in dispute. XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account listed above is still reporting account not disputed on my credit report. I have requested multiple times that this account be investigated and placed in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute and continue to investigate.
Consumer complaint received 2020-07-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

Chapter XXXX bankruptcy XX/XX/2013. Should be removed from report at 7 years. Dispute filed. Experian only verified that it happened and was accurate, this was not the purpose of the dispute. It should be removed from my report. 
No action taken. Issue not addressed. Unsatisfactory result with no explanation from experian.