davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

1. In XX/XX/XXXX, I reported some fraudulent transactions from a particular vendor in my bank account from Bank of America. 
2. In XX/XX/XXXX, despite the previous problem with the fraudulent transactions as reported in # 1, Bank of America authorized several fraudulent transactions from the same vendor in my account. I reported, and Bnak of America submitted the report to internal investigation. 
3. Bank of America took approximately 4 months to conclude the investigation. All my salary and funds stolen as described in # 1 and # 2 were taken out of my account to pay the fraudulent transactions. I was left with no money, with my bills unpaid due to Bank of America reckless and bad faith. My credit score dropped down severely. 
4. After 4 months, and after calling Bank of America a number of times ( they never called me to update about the investigation XXXX, Bank of America decided, without much explanation and without any reasonable grounds, that the transactions were not fraudulent and no money would be reimbursed to my account.

5. I was left without {$3800.00}. Bills unpaid, ruined credit score. Later on in XX/XX/XXXX Bank of America decided to shut down.
Consumer complaint received 2022-09-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (TX)

I have completed the payment scheduled for the vehicle loan based on the agreed monthly payments. The maturity date for the loan was XX/XX/XXXX. The final payment was made on XX/XX/XXXX, and the payment was deducted from my bank account for {$440.00} as scheduled, yet Chrysler capital still withheld my title. Then, the information I received from the customer services agent was that I owed the month of XX/XX/XXXX in the amount of {$440.00} plus {$22.00} in late fees. Also, they stated that I was XXXX days past due, which was incorrect. Further, Chrysler Capital charged me late fees during the XXXX pandemic from XX/XX/XXXX - XXXX, even when the Government asked many dealers to pulse payments. I have attached evidence of those charges, and I am asking Chrysler Capital to waive those fees charged during the pandemic. Also, applied payment made in the amount of {$440.00} on XX/XX/XXXX, which was the final payment for the loan. I made several attempts to resolve this matter directly with Chrysler Capital, but the customer services agents weren't friendly to listen to my explanation. Please, help me to investigate these unnecessary fees and am open for negotiation to be able to collect my vehicle title. Note that I have paid the principal and interest for this loan except for these excess fees charged here.
Consumer complaint received 2022-11-05
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-12-02
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. (AL)

I have disputed this account with the CFPB already and you guys did nothing to ensure me that this information would get fixed. I have reported this account countless times with the credit bureaus and the still continue to report inaccurate information. The last payment made on this account was XX/XX/XXXX, then the first missed payment was XX/XX/XXXX. All of the proof is I. The files. Yet Experian is report all of the information on this account wrong. As you can also see in the files, they are stating the last payment was made on XX/XX/XXXX which is wrong, then they are stating the account went delinquent XX/XX/XXXX which again is wrong. Yet whenever I dispute they are saying this is accurate, but according to the company they are reporting false information.
Consumer complaint received 2022-09-18
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. (CA)

In accordance with the Fair Credit Reporting act XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX- XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/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 2024-10-25
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. (TX)

I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : XXXX. XXXX XXXX * Account Number : XXXX * Status : Late Payment * Account Number : XXXX * Status : All XXXX agencies * Account Number : XXXX * Status : Charge Off * Balance : {$7300.00} * Account Number : XXXX * Status : All XXXX Charge Off XXXX. XXXX * Account Number : XXXX * Status : All XXXX XXXX XXXX. XXXX XXXX * Account Number : XXXX * Status : XXXX and XXXX XXXX Payment XXXX. XXXX XXXX * Account Number : XXXX * Status : XXXX  XXXX and Experian XXXX. XXXX * Account Number : XXXX * Status : XXXX and Experian XXXX XXXX XXXX  * Account Number : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a credit card in the mail ( Bank of America, Airfrance Master Card ) on XX/XX/2023 that I did not apply for. Credit Limit of XXXX. I immediately called Bank of America and reported this and they are doing an investigation.
Consumer complaint received 2022-08-12
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. (NY)

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 the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for 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 the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account : 1. XXXX XXXX - The following account is not mine 2. XXXX XXXX XXXX - section 609 you're required to send me original paperwork that verifies its account otherwise this is false information 3. XXXX  - The inquiry was not authorized 4. XXXX XXXX - Identity Theft 5. XXXX XXXX  XXXX - section 609 you're required to send me original paperwork that verifies its account otherwise this is false information.

* Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file.
Consumer complaint received 2022-10-13
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (SC)

This is in relation to prior closed complaint XXXX with the CFPB. I am a single live person writing this narrative!! I have yet to receive any documents verifying this collection with this company. I was given a tracking number but the document they have claimed to send was never delivered. XXXX  using the tracking number XXXX. 
This company does not even have a license to conduct business in the state of South carolina according to XXXX and SC REQUIRES DEBT COLLECTORS TO HAVE A BUSINESS LICENSE/REGULATIONS. I have attached their profile onto this complaint, once again I am requesting AD ASTRA terminate collection efforts.
Consumer complaint received 2022-02-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.
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: JPMORGAN CHASE & CO. (TX)

I have an XXXX account and had some items in my shopping cart in the amount of {$200.00} that I was in the process of completing my order later on. As soon as I clicked on the item I got a prompt from XXXX offering me to pay {$59.00} right now and I will get {$150.00} if I apply for their XXXX credit card through Chase Bank without affecting my credit. This was supposed to be a pre-approval credit with a soft pull, but instead they pulled my credit with a hard inquiry. I immediately received an email from XXXX that there was a hard inquiry on my credit report that caused my credit score to drop by XXXX points right after I was denied. They lured customers to get their credit cards by misleading them and lying to them they will not run your credit, but instead they do. I didn't even need the card, I accepted their offer because of the reward. I can not afford to have hard inquiries on my credit report because I'm trying to repair it right now. I just found out they also have another bank by the name of " XXXX '' that they are using to do the same thing. I have attached an attachment. 

Thank you
Consumer complaint received 2021-09-27
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 is a collection account with XXXX XXXX XXXX account # XXXX on my credit report that is invalid and I have filed a complaint against the debt collector for continuing to report an invalid account to my credit reports. XXXX has removed the collection, however XXXX and Equifax still show the accounts without regards to the accuracy. The debt collector has had 15 days to investigate my dispute, and they have asked for an additional 60 days to look into the dispute. Therefore, I demand that XXXX and Equifax remove this collection account from my credit report immediately.
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (WV)

I received a letter from XXXX XXXX indicating I had been denied for an auto loan. A credit reporting agency, that I have never heard of, XXXX XXXX had a very low score for me, even though I have an excellent credit score from the top three credit reporting agencies! I have called them numerous times to freeze my credit with their agency, but they have not responded! They also had several inaccuracies on my report! This is FRAUD!!!!! I want them to freeze my credit report! Look at the number of complaints against this agency! Something needs to be done!!!
Consumer complaint received 2021-03-26
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)

Two of the credit reporting agencies are reporting the date they updated certain accounts on my credit report is this month. The information is still inaccurate. The bureaus have exceeded their statutory time to correct the issues and even attempted to mislead me. This is prolonging my ability to obtain a home loan, causing considerably higher interest rates on all financial products, and is detrimental to my family 's safety and security. 
In XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), inconsistencies between two different reports concerning a single consumer are sufficient for a plaintiff to withstand a motion for summary judgment on a claim under XXXX ( b ). 
I pulled the attached report XX/XX/XXXX ( today ). I have highlighted the exact discrepancies as well wrote notes. All accounts show an incredible amount of inaccuracies between your agencies ( XXXX ). As of yet, I have not received and proof of debt nor any proof of accuracy from any agency. The Department of Education, XXXX, New York XXXX XXXX accounts need to be deleted immediately.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Today was my last phone call attempt to resolve this with TransUnion before filing complaint. Once again, I was lied to with FCRA guidelines blatantly being disregarded and ignored. 
For the past twelve months I have tried and been unsuccessful in attempting to have TransUnion comply with FCRA guidelines, section 609. I have sent letters and faxes that have gone unanswered and have been ignored. When I call I am fraudulently told that Inquiries can not be disputed and that they are factual. Per FCRA 609 this is a lie. I am also told to file FTC report and only then will the inquiries be removed. I have filed FTC report and mailed to TransUnion via certified mail. TransUnion has placed fraud alert on my report but has refused to remove the inquiries and claim they have not received FTC report despite them being mailed certified mail. 
There are inquiries on my report that do not belong to me. Per FCRA guidelines section 609, if an inquiry doesn't belong to the consumer and there is no permissable purpose with no signed authorization by the consumer then the Credit Bureaus must remove the inquiry. TransUnion blatantly ignores the FCRA guidelines and is blatantly violating FCRA and my consumer rights. Furthermore, I have contacted the businesses in question ; I am told they were never contacted by TransUnion, I am told they can't find an application or authorized signature from me and they tell me to contact TransUnion. Then TransUnion gives me complete runaround. For TransUnion to lie and say inquiries can not be disputed, to claim they have not received FTC report but to place fraud alert on my report is blatant indication that they have no regard for the law or consumer rights. Per FCRA, I am allowed to sue for monetary compensation should I pursue legal action. I demand that TransUnion comply and remove the unauthorized and inaccurate inquiries on my credit report.
Consumer complaint received 2022-07-29
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services (AZ)

I've tried to reach out to ED FINANCIAL/ESA concerning my consumer report. I asked the company to provide me with an SSA-3288 showing that i gave this company consent to report to my consumer report, even if the process is online. This company don't understand that they can't just put anything on my consumer report. According to 15 US Code 1681a ( 2 ) ( Exclusions ). Things that aren't supposed to be included on a consumer report. Information solely as to transaction or experiences between the consumer and the person making report. Consumer- is an individual ( ME ). Person- Any individual partnership, Corporation, Trust, estate, cooperative association , government or governmental subdivision or agency, or other entity. Experiences & Transaction-Applying for a loan, credit cards, late payments, high utilization, charge off ( s ) collection accounts, Judgements, Repos, Bankruptcy. this law shows that this company really didn't care to read. 5 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. 
I wasn't informed about any activity that took place on my consumer report.
Consumer complaint received 2022-08-12
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. (MS)

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 XXXX rept but they refused they had me on mute for XXXX 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 XXXX 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 2021-11-25
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. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-07-29
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. (NY)

I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX