davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
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. (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency c furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account unde.. ) open end consumer credit plan as late for purpose.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

This mortgage was an individual mortgage account opened by me XXXX XXXX XXXX XXXX not a joint mortgage as reported. Further this account was never late and paid as agreed. During a personal tragedy and job loss, I agreed to sell the house via power of attorney as I moved overseas. The house was sold and the balance was paid off in full.
Consumer complaint received 2022-06-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: American First Finance, Inc. (WA)

I am very grateful to the FTC for providing excellent resources for remedying my recent identity theft. I am emailing to report a lender for being highly uncooperative about removing a credit inquiry from my report. The lender is American First Finance. 

I spoke with XXXX on the phone at XXXX XXXX  on XXXX, XX/XX/XXXX. This was the highest level of supervisor they were willingto provide. They would not allow me to speak with the frauddepartment. XXXX XXXX stated that theircompany policy is to require a notarized affidavitto file a removal from a credit report. This is even in such a simple situation as when the line of credit was not approved. 

Here is their form : XXXX XXXX XXXXXXXX
Consumer complaint received 2020-11-02
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. (GA)

This mortgage was an individual mortgage account opened by me XXXX XXXX XXXX XXXX not a joint mortgage as reported. Further this account was never late and paid as agreed. During a personal tragedy and job loss, I agreed to sell the house via power of attorney as I moved overseas. The house was sold and the balance was paid off in full.
Consumer complaint received 2020-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A few months ago I received an offer from Bank of America to open a checking account and receive {$500.00} bonus after meeting the requirements. See attachment to this complaint for offer terms. I have opened an account and met the bonus requirements, but never received the bonus. My multiple attempts to resolve the issue with Bank of America customer service all led to nothing.
Consumer complaint received 2019-01-13
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. (NY)

Hello I recently was looking at my score through XXXX today on XX/XX/XXXX and noticed it had way to many hard inquires. There should be about 7 total for some reason there is more. The odd part is the last 3 months it says I have 3 inquiries. I called XXXX customer service they said they can not tell me what these Inquiries were but to write letters and explain you did not authorize or sign anything in the past 6 months for any Inquiry 's that they would remove them once they looked into it. 

I did not make any Inquiry 's since I bought something summer of XXXX at XXXX XXXX ( XXXX XXXX XXXX was opened ) anything after that is inaccurate and I would kindly ask to be removed from file and whomever is giving that report. As it is not accurate.
Consumer complaint received 2022-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Was hired by a company which I have all the records had a web page I checked everything was told was on 2 week period fot employment was to buy products send to another company in XXXX. I did they send me packingings slips they paid off 4 of my credit cards to use and there bank account to pay off once they recieved there goods about in 2 weeks they reversed the payments from the bank on my cards and now the cards are coming after me. I have called them many times with no luck it comes to almost XXXX the cards are XXXX, Bank of America, XXXX XXXX and XXXX XXXX I will attached all the paper work below, I have filed a police report FDIC It is ruining my credit because I refuse to pay. Thank you XXXX XXXX This is part of the claim XXXX Bank of America XXXX XXXX XXXX DE XXXX
Consumer complaint received 2022-07-31
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: CITIZENS FINANCIAL GROUP, INC. (IL)

Incorrect reporting on Citizens Bank auto loan. The account is reporting past due for the month of XX/XX/2022 this loan has never been late.
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2023-11-03
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: EQUIFAX, INC. (TX)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2019-03-19
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: Experian Information Solutions Inc. (GA)

This is attempt to correct my XXXX, EXPERIAN, and XXXX   credit report ( s ). I have identified fraudulent inquiries and fraud accounts. Please block the account listed below : XXXX XXXX : XXXX This is the account I request to be removed permanently from my credit report. Please block these accounts. This account is unverifiable and violates my consumer rights.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

I placed a security freeze on my account in the fall of 2018 after someone fraudulently opened a credit card in my name. That dispute, with XXXX and XXXX XXXX, was resolved properly and reported correctly. Now I need to lift the security freeze with Experian, and I am applying for a loan, but Experian 's website and phone support are XXXX bad. After 1/2 an hour I finally reached a human who told me he needed to mail me a PIN number to use to lift the freeze, with no other options, despite my giving him every possible identifiable piece of information about my account. This will take 7-10 days. In the process, Experian took every opportunity to sell me additional services and subjected me to endless automated phone sales pitches. How this company is accredited to serve the public in such an important way and somehow designated a " bureau '' as if it's not just a private money-making company is mystifying to me.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

This mortgage was an individual mortgage account opened by me XXXX XXXX XXXX XXXX not a joint mortgage as reported. Further this account was never late and paid as agreed. During a personal tragedy and job loss, I agreed to sell the house via power of attorney as I moved overseas. The house was sold and the balance was paid off in full.
Consumer complaint received 2024-10-15
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. (AZ)

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XX/XX/XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2019-01-13
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: JPMORGAN CHASE & CO. (NY)

Hello I recently was looking at my score through chase today on XX/XX/XXXX and noticed it had way to many hard inquires. There should be about 7 total for some reason there is more. The odd part is the last 3 months it says I have 3 inquiries. I called Chase customer service they said they can not tell me what these Inquiries were but to write letters and explain you did not authorize or sign anything in the past 6 months for any Inquiry 's that they would remove them once they looked into it.

I did not make any Inquiry 's since I bought something summer of XXXX at XXXX XXXX ( XXXX XXXX XXXX was opened ) anything after that is inaccurate and I would kindly ask to be removed from file and whomever is giving that report. As it is not accurate.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Checkr, Inc (VA)

Writing this in regards to background done by checker for XXXX, I believe I had identity theft on there because I had to report it in 2019 and now every time I put in for a job or anything online that identity theft that pops up is hindering me from getting obtaining employment. Also my background as far as criminal history is concerned is 14 years old, it shouldnt be held against me. I also want to know why my report from checker came back as suspended and who would I need to contact to get this issue resolved.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (PA)

I opened a new account with Macys. I never received a physical card in the mail. Six months later I made a purchase at Macys. When I tried to make a payment on my account, I realize that I needed a physical card showing my account number in order to make the payment. I had called in to Macys a second time, and requested a card be sent out to me. I had not received the card for over four weeks. Because of this I could not make a payment on time. As soon as I receive the card in the mail, I went onto the app and paid off my balance in full. I then called in to Macys to explain what had happened, and they did reverse the late fee. I made the payment on the app from my checking account with a wire transfer. Those funds were immediately taken from my checking account, and were applied immediately to my Macys account. I noticed that my available credit has been showing as XXXX for weeks after my payment. When I called into Macys to understand what the issue was, they explained to me that there was a hold on my funds for more than two weeks. When I spoke with the representative, I explained to her that those funds were sent electronically in a wire transfer, and they were available to Macys weeks ago. There should be no reason for my account to be showing that I have no available credit on my account. I explained to the representative that this is an issue because it is reporting to credit agencies that I have no available credit on my account. The representative said that she could do nothing for me other than allow the timeframe of the hold to expire. She didnt seem interested in helping with the situation or understanding that what Macys is doing is an illegal practice as they had my funds immediately in their possession. I want to report this to the credit reporting agency as I believe this is unfair credit reporting.
Consumer complaint received 2023-07-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (AL)

Previously, I have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXX, and XX/XX/23. XX/XX/23 Certified Mail Tracking XXXX XX/XX/23 Certified Mail Tracking number : XXXX XX/XX/23 Certified Mail Tracking XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : Flagship Credit Acce Account Number : XXXX has violated my rights. XXXX5 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company, Americollect. I did not open or authorize the accounts that you report a balance of {$750.00}, {$68.00}, {$56.00}, and {$56.00}. This fraud account was not opened by or used by me. I've never had an obligation to you or the medical companies you represent. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX  ) to protect my privacy and medical records from third parties. I do not recall giving permission to any medical physician, office, or affiliate to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me. Still, anything more is only to be revealed with the patients authorization and I have never given permission to any physician. However, please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Consumer complaint received 2024-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA (VA)

XXXX unauthorized and unknown charges, {$1.00} each, were made XX/XX/year> on my account, The same day XXXX of the XXXX charges was reversed. It appears that the merchant recognized it posed data incorrectly and tried to correct its errors. However, it did not completely do so. A charge of {$1.00} remains. The merchant is located in XXXX, with which I have no connection or was present there. FNBO, the bank, has NO INFORMATION WHATSOEVER on its website as to how to dispute a charge. Moreover, on its statements it provides no instructions- other than to write a letter. In short, FNBO requires a cardholder to pay XXXX cents in postage to dispute {$1.00}. Not to mention the cost of paper, etc. In any case, I went to FNBO 's message center, which as NO OPTION for disputes. Nevertheless, I prepared a message desrbing the problem, and clicked the Submit button. Shockingly, FNBO displayed a message stating that its message center was not working. Thus, I now must wait more time making a complaint via the CFPB. Clearly, FNBO Chair and XXXX XXXX XXXX, has intentionally made it difficult or impossible to dispute charges. This is hostile anti-public policy.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was just looking over my credit report on XX/XX/year> and found some addresses that appear to be incorrect. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Please delete all names and addresses other then the information below My full name is- XXXX XXXX My full address is- XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX My phone number is XXXX Please delete all other address and names and update report
Consumer complaint received 2022-04-05
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. (CA)

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX XXXX  is furnishing. 

LIST OF INNACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY THE XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that TXXXX XXXX XXXX  complied with this requirement.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2022-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX, DPT EDXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Several months ago and to no prevail we have sent FTC report and affidavit as well as police report to XXXX XXXXXXXX, the bureaus, XXXX and XXXX the credit reporting agencies to ask for this incorrect information to be removed and blocked which appears to be a closed account. The account was removed but the creditors continues to re report it to the credit reporting agencies monthly. The account was taken over fraudulently during the ownership of the account and was not able to be recovered by the consumer.