davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX. 2021, I became a victim of Identity Theft. I became aware of it on the morning of XX/XX/XXXX when I was thankfully able to stop a fraudulent wire transfer from my XXXX savings account. I immediately called my other banking institution to alert them and to make sure my accounts are secure. 

I contacted Bank Of America and informed them of my situation. The representative assured that my accounts are safe and he noted my account. Later in the afternoon, I received an email indicating that a " XXXX XXXX '' was added as a recipient to my XXXX account w/BOFA. I immediately logged on BOFA and removed this person, since I do not know him nor did I add him and proceeded to call BOFA to report my account was hacked. While on the phone 2 unauthorized transfers XXXX/BOFA were done from my account to this person in the amount of {$1300.00} and {$2100.00}. I informed the representative that these are fraudulent activities and I did NOT authorize them- please note this was within minutes of the transactions going through my account. 

Within few days after reporting the fraud, BOFA informs me that they denied my claim and my money is gone. I submitted all kind of documentations proving that my XXXX account was hacked and I was the victim of fraud activities on this day with XXXX and one of my credit cards, I also filed a police report documenting the identify theft. BOFA indicated they will review the info and will get back to me in 60 BUSSINESS DAYS, in the meantime, they have my money and they refuse to do a temporary credit. This is not fair. BOFA mismanaged my money and now they won't take responsibility to fix it. 

Please note I had to fax my documentations to BOFA on 3 separate occasions and they claimed they never received it. Finally, I went to the bank and had them fax. I also spoke with the branch bank manager and he told me THERE IS NOTHING HE CAN DO!
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act 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 2022-05-03
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. (IL)

I have sent letters to the 3 major bureaus about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However, all under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2021-12-06
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: NAVY FEDERAL CREDIT UNION (SC)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Adler Wallach & Associates, Inc. (TN)

This is my second complaint against XXXX. In regards to my first complaint ( Case Id # XXXX ). I sent XXXX an affidavit of Truth ( sent XX/XX/2021, dated XX/XX/2021 ). I attached two proofs of Id ( photo id, and a utility bill, and a notary attachment, and an FTC report ( # XXXX ). Which is more than enough to verify my identity. However, XXXX sent dispute results ( dated XX/XX/2021 ) saying I need to provide them more information in order for them to act upon my request for them to remove the fraudulent inquiry on my consumer report. Pursuant to 15 U.S.C 6802b ( A ) ( B ) ( C ) financial institutions may not directly or through any affiliate, disclose to any non-affiliated third party any non-public personal information unless such financial institution provides or has provided to the consumer a notice that complies, I did not authorize the inquiry XXXX ( see attachments ). In regards to the collection accounts furnished by AWA COLLECTIONS ( see attachments ) this is a violation of my HIPPA rights pursuant to 45 CFR 164.502 no such entity may disclose protected health information, except as permitted or required, pursuant to an authorization, and agreement, which was not given. I have also disputed the same accounts from AWA COLLECTION with XXXX and XXXX, and both have deleted these accounts. ( see attachments ) XXXX has violated my rights as a consumer and they are civility liable pursuant to 15 U.S.C 1681n. I am demanding they delete all the incorrect, inaccurate, or wrong spelling of my name ( it should match my driver 's license- see attachments ) addresses and employers and delete all the accounts and the inquiry and mail me an updated copy of my consumer report. 

Attachments included 1. Affidavit of Truth 2. Photo Id 3. Utility Bill 4 Certified Mail Recepit 5. certified mail Green Card 6. Identity Theft Report 7. XXXX  Credit Report ( disregard disputed items- personal information ) 8. XXXX  Credit Report ( disregard items- inquiry ) 9. XXXX  Credit Report ( disregard terms- collection accounts ) 10. Copy of dispute results from XXXX 11. Copy of dispute results from XXXX
Consumer complaint received 2021-10-16
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. (IL)

I have sent numerous letters to XXXX, Transunion and XXXX disputing the inaccurate late payments and inquires on my credit report and asking for verification. Each bureau is reporting different months of late payments for months that I was never late. Letters dated XX/XX/2021 I asked for verification and a reinvestigation and over 60 days later I have not received any response or correction from XXXX, TransUnion or XXXX. I want these late payments and inquires removed because XXXX, TransUnion and XXXX have failed to respond to my request in my XX/XX/2021 dispute letter.
Consumer complaint received 2021-02-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (CA)

On XX/XX/2021 I received a court summons stating Velocity Investments LLC was suing me for an unpaid loan. I have never heard of this company before and do not owe them or anyone any money for an unpaid loan. This company attached blank loan documents with the account number blacked out and no signature, but have stated I am responsible for this loan. There is no information about this unpaid loan and why I owe them $ XXXX. This is ridiculous that some random company can try to sue me without any evidence that I owe them anything. No one has ever contacted me about any unpaid loan, but now all of a sudden Im being sued.
Consumer complaint received 2022-10-31
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. (TX)

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the Credit Reporting act XXXX 's XXXX Account # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA 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. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed
Consumer complaint received 2021-02-22
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. (CA)

I reviewed my credit report and Equifax and XXXX  hasn't remove unauthorize inquiries on my credit report. 

XXXX XXXX XXXX and XXXX XXXX was authorize in writing by me as I signed documents in person at business establishments. 

Equifax and XXXX and credit companies doesn't have no written document of my signature of Authorization to pull my credit. I don't provide verbal consent or authorize online, on the phone. 

I am a Citizen XXXX Lifetime, Retired and a XXXX XXXX XXXX Military Veteran. 

Also add my former employer on my credit reports. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CaliforniaXXXX XXXXXXXX email : XXXX I retired on Lifetime XXXX on XXXX XXXX. 
I was employed at XXXX XXXX XXXXXXXX from XXXX XXXX till XXXX XXXX. 
Thank You for my accommondation of my XXXX XXXX Act under Department of Justice. 
With Honor and Respect Always!
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX accounts below have violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- 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 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (TX)

Over the last 3 years I have mailed in numerous dispute letters requesting the removal of the Military Star credit card account because this account was paid in full in XXXX. However, it has continuously been reported as a CO monthly well into XX/XX/XXXX by both XXXX and XXXX. 
I have even written the company asking for the removal for this inaccurate reporting. 
This is very frustrating because we are trying to buy a home and this negative account has a huge impact on my credit profile.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I don't even know where to start, there is a lot of incorrect information showing on my credit report, As soon as I realized that I contacted the credit Bureaus via letter, they are not answering me and they said they opened an investigation. They are not providing any kind of clarification and at this point I'm starting to feel frustrated.
Consumer complaint received 2021-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Santander Bank denied my application for a credit card and so notified me today XXXX XXXX! 

The decision was NOT make by a human being! 
Re : Santander Bank " Application Reference Number : XXXX '' It was made by a computer! 

No consideration at all was given to I am! It was all done, as I say, but a computer. No human involvement at all. 

We live in the USA, not in the XXXX! 

In the USA people govern, not computers! 

Santander has violated my legal rights under the various age discrimination laws both on the Federal and state level ( New Jersey ). 

I am told by Santander Bank to file an appeal with something called " XXXX '' about which I know nothing and which is apparently allied with Santander Bank. 

The aforementioned notice was signed by a " XXXX XXXX XXXX " XXXX, Head of the Customer Service Center Operations '', whatever that is. Sounds similar to something one would have found in some totalitarian country, not in our beloved and blessed USA! 

This XXXX XXXX knows not a thing about me at all. He did not even sign the notice which was made by a computer somewhere in his office or in Santander Bank. 

What kind of justice is this? 

What kind of bank is this? 

Decisions made by a computer, not by a human being! 

Therefore, the decision was arbitrary and capricious and violative of my rights as a United States citizen! 

XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX ( ret ) pro se PS : There is no point in my continuing to have an account with the Santander Bank given its brutal and cruel treatment of me as some data point in some computer! This is not how things are done or supposed to be done in the good old USA! This is how they do things in XXXX and Communist XXXX and in XXXX and in XXXX XXXX and did things in the XXXX and in XXXX XXXX and XXXX XXXX!
Consumer complaint received 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX show that account number XXXX has a balance of {$8000.00}, this account is fraudulent charged and I am requesting you to remove this from my credit file, I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file immediately
Consumer complaint received 2021-10-16
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: Inflection.com, Inc. (TX)

There is another womans information coming up for employers and other companies that use this service, telling them that I have a criminal record, but I Do not. Ive never been arrested or put into handcuffs or even been convicted of a crime. 

I have a letter from the local sheriffs department showing that I have a clean record, and Im willing to share addresses, my ssn, and anything else I have to to get this report fixed. It is ruining my life, Ive been denied jobs without a second thought from them, Ive been denied air bnbs, and credit cards and even housing due to this other persons information and I cant handle the stress anymore. Its causing me a great amount of grief and stress, I cried all morning because our vacation is ruined because of this incorrect report you gave to air bnb. 

Please tell me what else, other then this letter from the sheriffs department, that I can send to help prove Im not this other person and to help Separate myself from this other person.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Ive sent letters to all three reporting agencies as well as the original collectors, the time of which these items are to be reported has expired over 8 years. Legally under the fair credit reporting act 7 years is the deadline in which these companies can report on the credit after the account has been closed. It has been almost 10 years now and they after many letters are still reporting and not taking into the account the laws in place.
Consumer complaint received 2021-02-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi CFPB Team, I submitted disputed for a collections account that is inaccurately reporting on my XXXX, Transunion, and XXXX profiles. I am using this complaint center so that there are additional eyes on the process from the bureaus. It is my hope that my account is corrected as I am in the process of purchasing a new home and this is hindering my chances to qualify for a lower interest rate than the one I've received. 

Best, XXXX
Consumer complaint received 2021-02-22
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. (CA)

Respectfully, Experian, XXXX  and XXXX  hasn't deleted all the unauthorized hard pull inquiries on my credit report. 
I only authorize XXXX purchase in XXXX, California and XXXX XXXX  for apartment rental in California on XXXX XXXXhis two companies has written authorization in writing. 
I filed many disputes and complaints on unauthorize inquiries and requested evidence of my written authorization and all companies and Experian, XXXX and XXXX  wasn't able to provide me evidence or to Federal Government. 
So by Federal Law all unauthorize inquiries must be deleted from my credit file and data credit report. 
I am filing a Retaliation and Discrimination complaints with XXXX Department of Justice. I am respectfully Lifetime XXXX Citizen, Retired and a US XXXX XXXX Military Veteran. 
Experian, XXXX and XXXX needs to add on my credit report. 
My place of employment was XXXX XXXX XXXXXXXX .Retired on Lifetime XXXX on XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, California.XXXX XXXX XXXX
Consumer complaint received 2022-06-10
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. (AL)

Equifax informed you and I that they would be removing the iniquity from, XXXX XXXX XX/XX/XXXX. 2022 and still haven't as of yet. I also sent my Identity package as proof. 


Company responded STATUS Company responded on XX/XX/2022 RESPONSE TYPE Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Inquiry : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. NON REPORTING DISPUTES Trade : NA THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.