davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX  XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX  XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} ; Medical XXXX Balance : {$140.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$180.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$150.00} ; Medical XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$550.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2022-06-07
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. (NC)

I have never lived at this address XXXX XXXX, XXXX THIS SHOULD BE REMOVED FROM MY REPORT BECAUSE I HAVE NEVER LIVED HERE I have inquiries on my report that did not have my permission to check my credit report the inquiries are I did not give Advantage Credit permission to pull my credit report I did not give Factual Data permission to pull my credit report I did not give US SMBUS ADMIN ODA permission to pull my credit I did not give XXXX permission to pull my credit
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX I attempted to obtain my bank history statements to use to comply with tax amendments from past years. 

While Bank of America ( BOA ) claims they provide Statements Available online up to the below amount of time, however, they failed to provide this online. 
Checking Statements XXXX years Savings Statements XXXX years Credit Card Monthly Statements XXXX years Credit Card Year-end Summary XXXX years BOA provides XXXX XXXX files for the past XXXX months only. Unfortunately that only gets me records to XX/XX/XXXX and that is insufficient for me to comply with completing my XXXX tax amendment. The part of the website that allows for past years to be provided fail to provide the documents in a useable format, only allowing Paper and PDF files from XXXX XXXX and failing to entirely let me request anything from Fall XXXX - XX/XX/XXXX. That is a big gap of information missing. Attention to this matter would be greatly appreciated. Additionally in the modern era it is critical that statement document be provided in electronic formats that are structured and organized such as XXXX XXXX files to be made available online.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received a XXXX transfer back in XXXX and an entire month later my account is in the negative. They stated that the person that sent the money file a claim stating they didnt know the person who they sent the money to. They said that their account is lock and that it has been hacked. They never filled a claim. The bank will not release the hold because of this.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

Subject : Formal Complaint Regarding Inaccurate Reporting of Late Payments Account No. XXXX To the Consumer Financial Protection Bureau : I am filing this complaint under 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the consumer. 

My account number XXXX has been reported as having XXXX late payments for the months of XX/XX/year>, XX/XX/year>, and XX/XX/year>. However, these late payments are inaccurate, and I am requesting immediate action to reverse these erroneous reports and correct my payment history to reflect " on-time '' status for these months. 

The inaccurate reporting of these payments has caused significant harm to my credit score and financial standing, resulting in damages, including but not limited to the following : A decrease in my credit score Potential difficulty in obtaining future credit Emotional distress and financial hardship caused by the wrongful reporting I request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and direct the credit reporting agencies to : Remove the inaccurate late payment reports for XX/XX/year>, XX/XX/year>, and XX/XX/year>. 
Correct my payment history to reflect that these payments were made on time. 
Compensate me for any damages, including any legal and financial consequences, caused by this inaccurate reporting. 
In accordance with 15 U.S. Code 1681e ( b ), I expect all consumer reporting agencies involved to take immediate steps to correct this information and ensure the accuracy of my credit report moving forward. 

I appreciate your prompt attention to this matter. Please contact me if further information or documentation is required.
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CT)

On XX/XX/XXXX, I responded to an online offer on the XXXX XXXX website ( XXXX ) for a new CitiBank AAdvantage card Platium Select with " XXXX bonus miles with {$3500.00} spent in the first 4 months. '' I achieved the {$3500.00} spent on XX/XX/XXXX. I was put in the " XXXX bonus miles with {$2500.00} spent in first 3 months. I contacted XXXX XXXX, customer service supervisor of XXXX XXXX and she identified this error and said that Citi Bank would need to correct it. After speaking with XXXX on the Citi customer service line XXXX XXXX, XXXX, he agreed that I was placed in the incorrect plan. He gave me an email address to send the timestamped screenshot I have of the offer I responded to. I did this. I also spoke with XXXX, CitiBank supervisor on XXXX XXXX and she gave me an additonal email address to send a jpg of the screenshot etc. ( XXXX ). I did so. Today XX/XX/XXXX I received a USPS letter ( in response to my XX/XX/XXXX email to them ) stating I was ineligible for the offer because I was sent an account opening email with the offer restated. I have 3 emails from them NONE restate the offer! 

I have since learned that this has been going on with CitiBank XXXX XXXX Advantage card since at least XXXX.
Consumer complaint received 2022-09-13
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. (TX)

i was not aware that my XXXX XXXX used my information to get credit cards she also made XXXX for XXXX XXXX XXXX was not aware of using my information i was never married to this girl she lived with me for several years but used my identity to make these credit cards i was not aware of the two cards she had under my name until time went by
Consumer complaint received 2022-09-13
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

Equifax has an address listed that is not mine I have requested this to be removed XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX is not my address and has never been. This address was deleted from my XXXX account as well as XXXX but Equifax is still reporting it for some reason. Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I received a text message that appeared to come from Chase Bank asking if I recognized a transaction via zelle. As I had not used XXXX recently I replied NO and then immediately received a phone call from the chase bank number on the back of my debit card. The man on the other end stated that there had been two attempted fraud transactions on my account and that he would help me reverse them. He walked me through my last few transactions and verified that they were correct ( he had my bank info obviously ) he then said that in order to reverse the charges I would need to send a wire transfer and a zelle transfer to myself to reverse. He had answers for all of my questions and all of my info so I had no reason not to trust him. He had me send a {$900.00} XXXX to a phone number that was provided via text from the original chase number that sent the fraud-check text, then he had me send a wire transfer for {$1900.00}. Here are the transactions on my account history, they even had me use my name with XXXX so it looks like I sent the money to myself but I did not : ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX A/C : XXXX XXXX XXXX FL XXXX XXXX XXXX : XXXX XX/XX/XXXX Outgoing wire transfer - {$1900.00} Pending XXXX PAYMENT TO XXXX XXXX XXXX debit - {$900.00} XXXX immediately contacted Chase regarding the fraud and they opened a claim but have now closed it saying they have completed the investigation and the transactions were authorized. I filed a police report and a report with the FTC. Chase appears unwilling to work with me or credit any of my money back despite the scammers being clearly involved with Chase somehow as they were sending text messages and calling from the chase number and had full access to my account history. I really need that money back as it was my rent and tuition money for XXXX. 

I am attaching the police report I filed as well as the screenshots of the text and phone calls I received. Also worth noting is that I was on hold for 2 hours before chase even began discussing the issue with me and I had to call from another line to get them to take my call finally. So far they have just told me to send secure messages which they then take days to respond to and have now closed my claim without resolution.
Consumer complaint received 2022-09-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Orion Portfolio Services, LLC (MS)

I keep receiving emails from someone named XXXX XXXX, XXXX XXXX and XXXX XXXX. They send email saying that they are with Orion Portfolio Services , LLC and that I have a XXXX account with them. They are also asking me to pay a past due amount which is untrue.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been speaking with Transunion for over 5 months now. I have disputed a XXXX  XXXX Bankruptcy that was removed from public records and should have been removed from credit report. Each time I speak with Transunion and dispute it they say it came back verified and accurate through XXXX. I advised them that XXXX sent me a letter showing bankruptcy was not verified and removed. I also sent them a letter from XXXX providing them the information that they requested. I even had them on a 3 -way call with XXXX and the rep confirmed that there was not a bankruptcy through public records and was removed. There was also another account with XXXX XXXX XXXX who was reporting inaccurate information. I spoke with creditor and they advised me that they are not able to change status and that reporting agency would need to remove it. I called Transunion and spoke with them regarding issue. From there they disputed it and came back with verified and accurate which was no accurate. I have given them proof item needed to be removed and has not been updated. They continue to keep information on report that should be removed. This is my last attempt to have them remove the account if not then I will seek legal action.
Consumer complaint received 2022-08-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (NY)

Good morning I received a reward from XXXX XXXX XXXX XXXX XXXX XXXX 
The amount was for {$9300.00}. The money was sent via wire to my lender United Wholesale Mortgage. United Wholesale mortgage has a servicer by the name of XXXX XXXX XXXX. The Reps at the XXXX stated that they verified all of my information prior to sending the wire to my lender. 

My lender has not been able to locate this wire from XXXX. 
I contacted the XXXX reps and asked them to give me a copy of the wire confirmation and the federal Reference number- this is what United Wholesale Mortgage has asked for to facilitate the process for the missing wire. This has taken 30 days. I am late on my mortgage and struggling- this reward was put in place by my XXXX. XXXX and it took me 8 months to get approved- only to have both sides XXXX and my mortgage company not be able to locate the wire!! 

I do not know who is at fault - I just want the wire for {$9300.00} to be found. 

I have waited long enough- I borrower money every month waiting to get caught up, so I am not 30 days late. 

I don't want to loss my home- I need this help that I was approved for. 

If needed I have all the documents I received from XXXX as I am approved and I have the letters from UWM stating that they can not locate the wire.

UWM needs to get the wire confirmation and federal reference number from XXXX- Please help UWM get what they need in order to locate my wire. 

XXXX is having a problem locating these documents to UWM. 

Thank you XXXX Bless you
Consumer complaint received 2022-06-07
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: EQUIFAX, INC. (NC)

I have never lived at this address XXXX XXXX, XXXX THIS SHOULD BE REMOVED FROM MY REPORT BECAUSE I HAVE NEVER LIVED HERE I have inquiries on my report that did not have my permission to check my credit report the inquiries are I did not give XXXX XXXX permission to pull my credit report I did not give XXXX XXXX permission to pull my credit report I did not give US SMBUS ADMIN ODA permission to pull my credit I did not give XXXX permission to pull my credit
Consumer complaint received 2022-08-19
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item

s of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 60
4 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-08-19
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. (MD)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation offederal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. 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 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
Consumer complaint received 2022-08-19
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. (MD)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation offederal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. 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 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 XXXXXXXX
Consumer complaint received 2022-08-19
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: EQUIFAX, INC. (CA)

There are fraudulent accounts still reporting to my credit report. Some have been removed already but the following accounts reporting are fraud. 

Accounts XXXX XXXX  Opened XX/XX/XXXX Amount {$16000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Amount {$22000.00}. 

These been reported multiple times and proof of fraud have been submitted I've reached out to both banks via email and they both replied and emailed my agreeing those account do not belong to me