davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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 2023-06-01
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. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX  Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-05-12
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. (FL)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2021, I went to a Bank of America Branch to wire money to an Auction I bought an item from.The amount involved is XXXX XXXX XXXX and XXXX XXXX Dollars ( {$25000.00} ). The Auctioneer gave me detailed instruction on the transfer because it involved a Beneficiary Bank and an Intermediary Bank. The Associate at the store did everything right and I signed off before the transfer. However, when it got to the wire department, they sent the money to a different intermediary bank.I waited a day after ( XX/XX/2021 ) the transfer to see if it had posted. I called the beneficiary, Auctioneer, who told me he hadn't.I then called Bank of America again and they told me to wait. Because I needed the wire to post within a day, I paid for overnight wire fee. On day 4 after the wire had not posted, I arranged a 3-way call with a Representative from the beneficiary financial institution, myself and someone from Bank of Amerca 's wire department. It was during this 3-way call that it was revealed the money had been sent to XXXX XXXX, as the intermediary financial institution. XXXX XXXX  was never part of the transaction so it was a surprise to both myself and the rep from the beneficiary bank. So I decided to place a recall of the wire right away.. This was on XX/XX/2021. Since then, Bank of America has given me the run a round giving me so many excuses for not giving me my money back, from 'We have sent the request, to the other bank has acknowledged it but it's up to them when they return the money. In the mean time, I had to borrow to complete the payment for the item I purchased. I have tried at every call to let them know the financial distress I'm in because of the delay in getting my money back. Every time, I get told the same thing, that it's up to the other Bank when I get my money back. This is causing me a lot of distress.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( 'FCRA '' ) codified at 15 U.S.C XXXX XXXX XXXX XXXX XXXX  ( XXXX. XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX )
Consumer complaint received 2022-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX the below Accounts 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 The Contacted Creditor/Agency asked for proof of the alleged debt, specifically the alleged original application bearing my signature ; they have not been able to provide such proof to me.

under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Mistaken identity/ does not belong to me.

Validate this false charge off it does not belong to me.

Verify This invalidated account.

inaccurate/invalidated account Prove it.

this account is false and not mine Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-04-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

My name is XXXX XXXX. I have a Mortgage with Quicken Loans / Rocket Mortgage that was the subject of a Re-finance more than 3 years ago. Under the terms of the mortgage, I have the right to make " Pre-Payments " of the Principal Loan Amount at least once per year and have my loan " Re-Amortized " and the monthly payment " Recast " to reflect the new Outstanding Loan Balance at the contractual rate. I recently phone my lender and informed a customer service specialist in loan servicing that I intended to make a " Principal Pre-Payment " and wanted to know the best time of the month to send in the payment so that all the attendant paperwork could be completed and my monthly Payment Recast by the following month. This agent proceeded to tell me that the process typically takes at least 3 months to complete ( which I know is XXXX because I have done it before with another lender ). I was not born yesterday, and am aware that the lender can earn " Float Interest " with the Federal Reserve while this process is being drawn out. I also attended law school many years ago and have enough legal sense to know that it is a fairly simple process from the standpoint of legal paper processing. After all nothing is changing about the property or the borrower that are the subject of the loan agreement. I feel like a simple letter or a phone call from one of your agents to this lender should be sufficient to let them know that they are being monitored and will not be allowed to get away with dragging their heels in this process. My contact information is as follows -- XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas XXXX. My phone contact is XXXX. Thanks in advance for your assistance with this vexatious matter.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (AL)

My name is XXXX XXXX. My twin sister 's student loans are reporting on my credit reports. I have been disputing them since XXXX  and nothing has been done about it. I always get a letter stating it has been verified as a response to my disputes. I have contacted the XXXX of XXXX and they do NOT have any open student loans in my name whatsoever. This is illegal reporting on your end. I can't purchase anything because of this. It is damaging my life.
Consumer complaint received 2021-04-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (MN)

On AXX/XX/2021, I sold about {$4500.00} of cryptocurrency on the Binance.US exchange for USD expecting a correction in the market. My cryptocurrency was transferred from my wallet onto the exchange after I received level 2 verification on XX/XX/2021. The next day I tried to buy back some of the cryptocurrency. The exchange informed me I had to accept a custodial agreement with Prime Trust in order to continue trading. After accepting the agreement, my account was placed under advanced verification. I had already been accepted for level 2 verification a month earlier. There was no reason or explanation given other than the account was under review. I submitted a ticket request and was told to wait up to 15 days. I received a response that was not helpful saying there was no request for fiat verification and they asked if I could let them know if I couldnt apply for it. I told them I cant do anything on my account. I just want my funds ( {$6300.00} ) released so I can continue trading. Im not trying to withdraw or transfer USD so I dont understand the reason my funds have been locked for more than two weeks. Please have them rectify the situation.
Consumer complaint received 2021-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NY)

In XX/XX/XXXX, I opened up a PayPal Business Account to sell secondhand clothing online through an app called XXXX. Within 2-3 weeks of me opening my business account PayPal put a permanent ban on my account. According to PayPal I opened a personal account in XXXX which I never used and have completely forgot about. The reason for the ban is because some of the information in the personal account from 8 years ago matches the information with the new business account I made in XXXX called PayPal to try and resolve the issue but they said they couldnt help me and I was banned for life. Even after giving them all the information to prove that I was the owner of both accounts and was not committing identity theft/fraud. I find it unfair that PayPal never warned me about how my account was at risk of being banned and how I was allowed to put in the information from my last account that I completed forgot about. Being banned from PayPal has disrupted my life because most e-commerce services require PayPal. I would like a second chance and for PayPal to lift my ban.
Consumer complaint received 2023-06-01
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. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$3900.00}, XXXX XXXX  XXXX XXXX XXXX XXXX {$6800.00}, XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX
Consumer complaint received 2023-06-01
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. (MD)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-29
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. (OR)

I have reported multiple times to Transunion, XXXX and XXXX credit report Agencies about being a Victim of Identity Theft. 
I have prove to them that there has been some accounts opened fraudulently like Account name : XXXX  XXXX. Account number : # XXXX. 
I have requested several time this account to be investigated and the response have been always the same " this account has been verify '' I have requested the same investigation to XXXX  XXXX THE CREDITOR HOLDER OF THIS ACCOUNT in multiple time this creditor has affirmed they can not fulfil investigation in this issue since they do not have information about me being liable for this account Honoring 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. 

so mi question is how the credit bureaus has information about XXXX account that not even the furnisher says having information about? 
Transunion, XXXX and XXXX XXXX XXXX XXXX has violated my consumer right under 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. 

XXXX XXXX is not capable to verify this information because they do not have 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. 
Transunion, XXXX and XXXX XXXX XXXX XXXX has Violated my consumer right under 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 since XXXX  XXXX HAS EXPRESED IN WRITTING they " do not have enough information to conduct an investigation '' taking into consideration that I am not LIABLE for account name XXXX  XXXX with number : # XXXX I demand from Transunion, XXXX and XXXX XXXX XXXX XXXX to deleted this account from my credit file since they are furnishing FALSE information violating all my right under the FAIR CREDIT REPORTING ACT and specific XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 
I request the cfpb be review that my right does not continue violated and that the responsible do not take the law for granted and for once do what is right deleted this account from my credit file
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (LA)

Please see attached document detailing how this company is in violation of several of my consumer rights permissible purpose of consumer reports, THE LAW CLEARLY STATES any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( o ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

In XXXX, I moved to XXXX, TN and opened a Bank of America credit card account since Bank of America had a storefront here. I quickly realized I did not need this card. I paid the full account down and instructed the bank to close the account, but they did not. A recurring nominal ( {$10.00} ) XXXX XXXX XXXXXXXX subscription fee hit the account. I was unaware and only became aware recently ( XX/XX/XXXX ) upon requesting a home loan from a separate bank. This is creating a problem for me in accessing a home loan as this is showing up on my credit report as {$44.00} charge off and a series of late payments. This is completely inconsistent with my previous credit history. I feel that the bank made it extremely difficult to pay off my total debt and close this account. I have reached out to them to address this, but they have been uncooperative signaling that it is the consumer 's responsibility to monitor their credit. I have also filed disputes will all 3 credit agencies. I was under the belief that this account was paid off and closed. I request help in removing this from my current credit report. Thank you.
Consumer complaint received 2021-04-26
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)

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  XXXX On XX/XX/2021, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-01-28
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: Experian Information Solutions Inc. (NV)

this account was already removed from my report almost XXXX  years ago and now its popped back up and i dont understand why. when this was settled XXXX yeras ago if not longer.