davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-28
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was the victim of identity theft and I believe the perpetrator ( s ) began making the fraudulent charges on my Bank of America account ending XXXX in or around XX/XX/XXXX, which is evidenced by even a cursory review of the credit history for this account. The specific charges in dispute include the amount of XXXX on XX/XX/XXXX and in the amount of XXXX on XX/XX/XXXX, and accrued interest and fees associated with the same ; these charges were unauthorized charges on my account resulting from identity theft. I filled out the paperwork required by Bank of America for such occurrences and mailed it in on XX/XX/XXXX. BofA did not conduct an adequate investigation and mailed me letters dated XX/XX/XXXX and XX/XX/XXXX before even receiving my sworn statement. A fraudulent check was also cashed on this account as part of the same identity theft in XX/XX/XXXX for XXXX, which I also disputed and which was resolved in my favor by BofA, claim # XXXX ( or XXXX ). It makes no sense that only 1of the fraudulent charges was properly handled but the other two were not. I spoke with BofA 's representatives by phone about the identity theft and fraudulent charges in XX/XX/XXXX as well. I provided the police report file number to BofA. I wanted to arbitrate this dispute and requested a copy of the credit card agreement in XX/XX/XXXX so that I would know where to send my demand for arbitration. BofA never sent it to me and instead sent me a letter requesting more information about the disputed charges.
Consumer complaint received 2022-09-27
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. (CO)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-05
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. (MD)

After several attempts sending dispute letters and calling all 3 major credit reporting agencies to remove these hard inquiries to no avail they still remain on my credit report XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX  dated XX/XX/XXXX, I am writing to you because you reporting the above inquiries on my report that I DO NOT recall please provide proof I applied for credit with these creditors, If you can not provide such information please permanently delete all inquires listed above from my credit report
Consumer complaint received 2019-08-26
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (OH)

I have been a victim of identity theft and i have been trying t obtain my report with you all. I recently applied for a XXXX account and there was a denial. I have never defaulted on a bank account and someone have opened accounts in my name. I need you to take this fraudulent accounts out of my name and I am not responsible for someone elses crime and stealing my identity.
Consumer complaint received 2022-07-09
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. (FL)

XX/XX/XXXX Good day- Im in the process of looking for a place to live and they pulled my credit report, and it was denied due to XXXX XXXX XXXX that the account is 90 days past due. This was removed/blocked from my credit report in XXXX for it being fraud. Now suddenly it has reappeared back on my account from over XXXX years ago. The original Identity Theft Report was dated XX/XX/XXXX. The case # is XXXX. 
If you look back, you can see that this happened, and it reappeared after it being removed. Per my research I should have received a 5-day re-insertion letter which was not sent or received, and by law it can not report on my report. REMOVE OFF MY REPORT AND SEND ME A XXXX NEW REPORT WITH THE DELETION & gt ; Again, you are reporting this and its inaccurate. MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  due to this lie and its crazy. You are supposed to verify all information, and this has NOT been verified or anything. This mistake is hurting my kids. Please correct this now. 

Please assist in removing this from my report. 

Thanks XXXX XXXX XXXX
Consumer complaint received 2021-01-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Portfolio Recovery Associates. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the accounts and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2019-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have a eBanking checking account with Bank of America ( BOA ) since XX/XX/XXXX. Basically, I don't need to pay the maintenance fee for this account if I do not go use BOA branches and access the account online only. And in past 7 years, I didn't receive any maintenance fee charge for this account. 

But when I checked my statement yesterday, I found I had been charged { {$12.00} } maintenance fee since XX/XX/XXXX, and had been charged 17 times, { {$200.00} } in total, resulting a negative {$13.00} balance in my account. So I called the customer service to figure out what happened on XX/XX/XXXX. Then both the agent and his manager told me, on XX/XX/XXXX, BOA converted the free eBanking checking account to Core Checking, and customers would be charged for { {$12.00} } maintenance fee unless they meet certain criteria which were not required for the previous product ( eBanking checking ). They can not refund me the charged fees and closed my accounts. 

I asked when the notice sent out to the customers because I didn't receive any notice of this change ( I confirmed this by checking through my email inbox as I never received any paper mails regarding this change ). Then I was told the policy change was listed in one of the regular monthly statements, online only, the one in XX/XX/XXXX. Finally when I opened this month 's statement, it is on the last two pages ( page5-6 ) and comes after a blank page. The regular statement is 4 pages every month, and in color, but this 'Important message ' is in the last two pages, in black white only. 

This is totally reckless, misleading, and arbitrary. If the bank decides to do the change, which will potentially damage customers benefits, and sell customers the service that apparently does not suit their needs, it should notify customers in a more direct and transparent way. It's hard for me to find the information from one of many monthly statements, especially given the fact that this information is attached after a blank page which is usually the ending page of all other monthly statements. The agent told me all the eBanking customers were notified this way- through one of the monthly online statements. So not only me, many other customers were treated unfairly by BoA during this eBanking account conversion.
Consumer complaint received 2019-08-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Every month they add a very high interest I contacted the bank in XX/XX/XXXX & asked about the whole balance I owe & was told its {$20000.00} and since then every month I have a problem with them I stopped paying for couple of months so they fix this & then nothing had happened. Since XX/XX/XXXX I pay on time this month after I paid on the due date I found out they say I havent paid on time and they added another interest charge, when I called them they insist that I havent paid on the due date. I reached to nothing with them. When I checked my payment history I saw that interest fluctuates from month to month with big differences some times increases & some times decreases
Consumer complaint received 2024-10-17
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 recently have looked at my credit report after a long time and found many fraudulent accounts reporting in my name. These accounts are identity theft and I had NO participation these charges were made against my credit card account WITHOUT my knowledge, authorization, or participation of ANY kind. They are the result of IDENTITY THEFT. I have submitted a CFPB complaint, along with my FTC identity theft report, and valid identification, and I demand my rights as afforded to me by the FAIR CREDIT REPORTING ACT. I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within 4 business days. ( XXXX XXXXXXXX ) I DEMAND that this FRAUDULENT use of my credit accounts, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this credit card account be BLOCKED within 4 business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. I have attached a CREDIT REPORT from each credit bureau in regards to the fraudulent use reflecting on said credit report. Also, I would like to point out, there are MULTIPLE accounts with negative information that all have the same open date and all appear to be from the same original single account, but however now are reporting as TWO separate accounts on XXXX ( acct # 's : XXXX and XXXX ). On XXXX, XXXX accounts reporting, acct # 's : XXXX and XXXX ). And on Experian, Reporting as XXXX account, ( ACCT # : XXXX ) All of those accounts are FRAUDULENT and should be removed within the 4 day period that the FCRA outlines under my rights as a consumer. The remaining accounts required to be removed are as follows -XXXX XXXX XXXX  acct # XXXX. XXXX XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX  acct # XXXX. and XXXX acct # XXXX. If u fail to grant me my rights under the law, I will be forced to consider litigation. Thank you for your quick response.
Consumer complaint received 2019-10-22
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX**** ; XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX**** ; XXXX ( Original Creditor : 11 XXXX   XXXX ) XXXX**** ; XXXX  XXXX**** ;
Consumer complaint received 2019-08-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC. 

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE. 

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX XXXX CA XXXX Stop foreclosure process on our home immediately. 


1. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2. VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11. NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX  XXXX *XX/XX/2019 * ACCOUNT XXXX
Consumer complaint received 2019-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX   XXXX**** ; XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX**** ; XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX**** ; XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX**** ; XXXX XXXX****
Consumer complaint received 2019-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please reverse the late payments reported on the following accounts : XXXX XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (IL)

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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Renew Financial Holdings Inc (CA)

I've reached out to Renew Financial Group LLC several times to discuss an unauthorized pace loan that was made to my property taxes. I never given anyone permission to take a loan of some sort out under my name or attached to my property taxes. Renew Financial has continued to drop the ball and my various complaints have fell on deaf ears. If this matter isn't corrected I will begin to take legal action against Renew Financial. This is clearly ID Theft.
Consumer complaint received 2024-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$38000.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$13000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021
Consumer complaint received 2019-04-29
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 (TN)

I applied for credit at XXXX XXXX and I was trying to get credit or financed for a vehicle. I gave the salesman authorization to run my credit through XXXX XXXX and the salesman ran my credit 11 times. The only one I approved them to run it for was XXXX XXXX. 
Now I have 11 inquiries that I did not approve of.
Consumer complaint received 2019-04-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion file Number : XXXX date issued XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has unknown for payment in the month of XX/XX/XXXX Page 4 of 11 TransUnion needs to update the correct information of XX/XX/XXXX payment was made on time
Consumer complaint received 2022-01-13
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. (TX)

I HAVE NEVER GIVEN TRANSUNION, XXXX OR XXXX ORAL OR WRITTEN CONSENT TO PLACE THESE ACCOUNTS ON MY CREDIT FILE. THIS IS ALL FRAUD '' XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX and XXXX ACCT # XXXX XXXX. COLLECTION UNLIMITED A. THESE ACCOUNTS NEEDS TO BE DELETED TRANSUNION IS VIOLATING MY RIGHTS AS A CONSUMER THIS IS FRAUD. 

XXXX XXXX IS VIOLATING MY RIGHTS AS A CONSUMER AND THEY NEED TO DELETE THESE COLLECTIONS IT IS FRAUD. 

XXXX XXXX IS VIOLATING MY RIGHTS AS A CONSUMER AND THEY NEED TO DELETE THESE COLLECTION OFF MY CONSUMER FILE