davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

i applied for auto loan at Bank of America where I have accounts for 15 years, i recieved approval email in XX/XX/2021 XXXX. when i got the approval i went car shopping for used car. i checked the Bank affiliated dealerships i found out they are offering used cars way more than its market value. i did informed the agent at the bank and she said if the dealership is not affiliated with the bank the interest will be more from 2.59 % to 3.09 % i said ok. i found couple of cars and the bank ( client specialist : XXXX XXXX ) asked for proof of income and address, emails back and forth i told her im XXXX XXXX i receive XXXX and she still sent me emails asking about w2 or paystub, i provided the proof of income and the address i had to change it on my bank statement and other bills that i can get because all was paperless ( all online ) so i didn't bother to change it from XXXX  to XXXX  i live in shared house no bills on my name and had address a postal service to make sure i get my mail ( all explained to lady who started the loan process and documented it ). i moved to XXXX and work in XXXX. some cars were sold so i went to MA and saw a car and put deposit {$500.00} to guarantee i get it. Supervisor XXXX XXXX ( assistant vice president client specialist ) who communicated with me and said bank statements or bills have to be 2 months then later she said we can take your driver license as proof of address if it has your physical address. i went ahead and changed the license after labor day and dealership where i put deposit informed me that they sold the car because i didn't finish the deal as in purchase order. then i sent the License to ( both XXXX and XXXX ) they kept me another day and XXXX called me to say we can not give you the loan because the license just changed now. 
everything i explained to them on the phone that i moved from ny to nj and was planning to get back to ny as my financial situation getting better and after all the runaround they told me no, wasting money and time. this is clear incident of discrimination .i have very good credit score ( attached ) and paid a lot of my cards not like many people after covid still struggling. i m dealing with the bank and they saw all my income for years. if they turn blind eye to all of this this is clear matter of discrimination may be if my first name was different i would have got the {$17000.00} loan. WHY In the beginning they give me approval and made me shop for car ... .its clear the underwriter saw name and didn't like it I printed all communication ( emails )
Consumer complaint received 2021-09-10
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: CITIBANK, N.A. (TX)

On XX/XX/2021, I was a victim of identity theft. I have an active police report and case open regarding this matter. I noticed a hard inquiry from XXXX on my credit report that I did not authorize. I have already reached out to XXXX ( citi bank ) regarding this matter and they were unwilling to help me resolve it. I am requesting this unauthorized and fraudulent hard inquiry be removed from my XXXX credit report. Last XXXX of XXXX is XXXX. Thank you
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

in accordance with the fair credit reporting act the following accounts have violated my rights as a american citizen. 

18 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. 

( NAMEOF ACCT, AMOUNT, ACCOUNT NUMBER, OPEN DATE ) XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bankruptcy/ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (WA)

Bought this net spend card from XXXX XXXX for XXXX for my daughters school clothes shopping. They would not activate it unless I sent them a copy of my social security card and drivers license. XXXX days later after sending them the information its still doesnt work and a copy of my social security card was not a requirement although their staff told me I had to send it.
Consumer complaint received 2021-09-10
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Lockhart, Morris & Montgomery Inc. (TN)

I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. I WAS NEVER 30 DAYS LATE. THIS IS A DUPLICATE ACCOUNT.
Consumer complaint received 2021-09-10
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. (OK)

I just reported a complaint about Transunion refusing to investigate my dispute or update my credit in complaint id XXXX. Transunion stated they were investigating the matter & have now incurred an error & the dispute disappeared entirely. This has been the FOURTH DISPUTE they closed without investigation. I have provided a letter from the creditor regarding the information thats incorrect on my credit report. Transunion damaged my credit score so significantly Im ineligible to purchase a home all because they refuse to correct a late payment report that was made by mistake regarding a student loan that is in DEFERMENT!!!! ALL STUDENT LOANS ARE DEFERRED. Ive already submitted a complaint about Transunion, who of course responded that theyre investigating the issue which they immediately incurred an error with & closed the investigation. PLEASE DO SOMETHING.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I was reviewing my credit report and noticed that there are discrepancies with my credit report. Please BLOCK and DELETE the following information that is on my credit report as these are fraudulent. I have sent letters to the credit reporting companies and I have not gotten anything back from them. Please help me.
Consumer complaint received 2021-09-10
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)

On XX/XX/2021 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX I FOR THE AMOUNT OF {$5.00} XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX  I opened XX/XX/XXXX XXXX FOR {$5100.00}, XXXX  XXXX  XXXX  opened XX/XX/XXXX XXXX FOR {$14000.00}, XXXX/XXXX  XXXX  opened XX/XX/XXXX XXXX FOR {$0.00} XXXX XXXX opened XX/XX/XXXX XXXX FOR {$5100.00} XXXX XXXX opened XX/XX/XXXX XXXX {$4900.00}, XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX FOR {$14000.00}, XXXX XXXX XXXX opened XX/XX/XXXX XXXX FOR {$5100.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA , under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

My protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (AL)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2021-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern, I received a large number of alerts regarding inquiries. I was alerted that my information might have been compromised. I am requesting that these items be looked at and deleted from my report. I am not sure which reporting agencies go to what actions, so I am including all inquiries. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HERE IS THE LIST To my knowledge there were inquiries with transunion, XXXX and XXXX
Consumer complaint received 2021-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

XX/XX/XXXX. I began the application process for XXXX  housing with XXXX XXXX ( new name is XXXX ) owned by XXXX XXXX XXXX. The application was for the XXXX school year since there was a promotional discount offered. 
I did not complete the application, nor did I sign a Housing Agreement, yet in XX/XX/XXXX they sent me a collection notice that I owed a full year of payment : {$5500.00} for not moving in. 
I have tried repeated attempts to resolve this with the company, yet they sent this to their collections department, then to a debt collection company, National Credit Systems. I contacted them to resolve this with no avail. In XXXX of XXXX, I was contacted by one of their lawyers, XXXX XXXX. I responded to him as well and directed him to contact a manager at the apartment company, XXXX XXXX, with whom I had already spoken and verified ( I have the conversation recorded on XX/XX/XXXX ) that they have no claim against me. He also volunteered the information that I was not the only person dealing with this type of situation. 
National Credit Systems has since reported this fraudulent debt to the credit reporting companies. As a result, I have been denied other apartment housing and I suspect that I have been denied several employment opportunities as well. 
Lastly, I reached out again in XXXX of XXXX to another manager, XXXX XXXX, to see if the company would do the right thing according to section XXXX of the Fair Credit Reporting Act and expunge this from my record. After some initial responses, he has stopped all communication with me.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I notified XXXX and the 3 consumer credit reporting agencies Equifax, XXXX XXXX and XXXX that the balance of my student loans were paid in full. I also submitted documentation, After the alleged investigation both companies return with the same inaccurate information despite the proof they have received and XXXX hasn't done and update to my credit report since XX/XX/2023, They are NOT doing a through investigation if so they would've seen this information is inaccurate.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act 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 2024-12-04
Product: Credit reporting 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)

I am filing a complaint to report identity theft. Sometime in XX/XX/year>, I received two back to back collection letters in the mail from XXXX who is also know as XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXXXXXX. I submitted a notice to them for verification because I have never had any business with this company. My notice asked for specific pieces of documentation to validate the debt. I received a letter dated XX/XX/XXXX, that completed disregard the 8 items I requested to validate the debt. Instead, I received an alert that this same company reported the account on my credit report. For one they never validated the debt as requested. Two, I never did any business or signed any agreements with them. Third, I checked and they are not licensed to do business in my state. Last, how did they get access to my personal information to file this alleged account on my credit report. I am requesting that this account be immediately deleted from my credit report. If they can not send me the requested documents, I demand they cease and desist immediately. I have attached all the documentation as my proof to ask for proof of their claim to collect on the alleged debt.
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MA)

HEY XXXX XXXX ; JEFFERSON CAPITAL SYSTEM ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc. (IN)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2022-01-18
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. (FL)

I have been disputing the following accounts with Experian. On XX/XX/2021 I sent a MOV ( method of verification letter ) to Experian with the following accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I know that according to FCRA Section 611 I have the right to request these documents of verification. 

Experian has never responded nor opened a dispute on my behalf. I do know that this information was never properly verified as they relied on a 3rd party company to receive this information. I have asked for a phone number and the person who verified this information to receive no response from Experian or higher management. 

This is because credit reporting agencies typically dont do much investigating at all. They often rely on an automated third-party system called e-Oscar. 

CRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 

Please see the attached documents supporting my case. These inaccurate reporting need to be immediately deleted per the FCRA as Experian is in clear violation.
Consumer complaint received 2024-08-25
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. (NY)

I am writing to express my extreme frustration and outrage regarding the presence of fraudulent accounts on my credit report, as reported by your bureau. The accounts are blatantly fraudulent and have been acknowledged as such by the associated banks, which have already taken steps to remove them from their records. 

Despite my repeated efforts and sending the required FTC report to have these fraudulent accounts removed from my credit report, your bureau has failed to take action. This is unacceptable and has had a detrimental impact on my credit score and financial standing. 
It is important to note that the other major credit bureaus, namely XXXX and XXXX, have promptly removed these fraudulent accounts from their records after verifying its fraudulent nature. The fact that your bureau has not followed suit is deeply concerning and reflects poorly on your commitment to fair and accurate reporting. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2022-06-21
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. (PA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.