davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-01
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. (GA)

XXXX XXXX Acct # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-16
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)

I sent a certified letter on XX/XX/2022 to remove personal information that I dont want on my credit report. According to the Fair credit reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802. no financial institution is supposed to share my information to third party individuals. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2024-10-10
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: Experian Information Solutions Inc. (NC)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-09-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (CA)

We began receiving notifications in the mail in XX/XX/2021 that we were in default on our mortgage with Mid America. When I checked our payment history on the mortgage website, I noticed that our payment for XX/XX/2021 was not listed. I checked our bank account ( we have our mortgage payments set up on Bill Pay with XXXX XXXX ), and the XXXX payment was indeed sent ( albeit late ). I sent an email to the mortgage company on XX/XX/2021, with a screenshot of our bank transactions showing that the XXXX payment had been deducted from our account. The mortgage company responded and asked for our bank statement, which I sent to them the next day ( XX/XX/2021 ). 
After ZERO response from Mid America, other than continued letters of default, we called Mid America on XX/XX/2021. We explained the situation, and they found the statement I had sent back in XXXX, but they needed more info from the bank. So I called XXXX XXXX immediately and got the transaction number and the date the check was cashed for the XXXX mortgage payment. I immediately called Mid America back and gave them the information, and I was told they would get back to me within 2 business days. We have heard NOTHING from them, and it is now almost a month later. Our account is still showing that we are a month behind on our mortgage payments, and consequently, our credit scores have been severely affected.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 than 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.
Consumer complaint received 2024-10-10
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-28
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. (FL)

Equifax violated my rights many times, and I have experienced difficulty. Under the 15 USC 1681, I have rights ; therefore, I ask the following accounts be removed.

Hard Inquires
Consumer complaint received 2024-10-10
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)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 2 personal credit card accounts opened at XXXX XXXX on XXXX XXXX under the account number XXXX, XXXX XXXX opened on XXXX XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, and 2 collections account opened at XXXX XXXX XXXX with a balance of {$9500.00} under the account XXXX and XXXX XXXX with a balance of {$750.00} under the account XXXX. .These accounts have resulted in several fraudulent collections and chargeoffs appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc (TN)

I have an account at BlockFi. 
I have an ACH withdraw that has been in a status of Pending for far beyond the agreed upon period. 

Once in a status of pending to my understanding those funds are officially mine and no longer in their property. Ilthey should not be used to satisfy secured creditors should bankruptcy come.
Consumer complaint received 2021-06-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (CA)

My XXXX XXXX stopped working and I had to get a new phone. I had XXXX XXXX for BINANCE.US login security feature on my XXXX XXXX. I had to get a new XXXX  XXXX. I can't access my original XXXX XXXX any longer and it doesn't transfer over to my new XXXX XXXX. I contacted BINANCE.US about my issue. They requested my original ID used to sign up, a video recording of myself and me holding my documents. I submitted everything they requested and its been almost a month with no response. I emailed them asking the status of my ticket without a response.
Consumer complaint received 2021-06-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (FL)

I have a credit card debt that went into collections in 2016. The account was recently purchased by a debt buyer Security Credit Services XXXX XXXX XXXX XXXX, XXXX XXXX. They are now Re parking old debt on my credit reports as new debt which is an illegal practice. I have been trying to dispute this information with the credit bureaus which will not help with this problem.
Consumer complaint received 2021-06-22
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. (LA)

I have an open XXXX  XXXX XXXX  credit that I currently use so I dont know how I have a charged off account with them
Consumer complaint received 2022-10-10
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. (NY)

THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-05-02
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. (PA)

On XX/XX/2022, I called TransUnion and XXXX to inquire about about the fraudulent hard inquiries on my credit report. I requested the inquiries to be removed but was unsuccessful and have not received a response yet. I feel like Im being taken advantage and my disputes are being ignored. Also Section 611 ( a ) it states that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report.
Consumer complaint received 2022-06-29
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. (NJ)

In accordance with the Fair Credit Reporting act the list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  Account : XXXX XXXX/Dept of Ed Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  Account : XXXX 15 U.S.C. 1681 Section 602A States I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish account information without my written instructions 15 U.S.C. 1681c. ( A ) ( 5 ) states no reporting consumer agency may make any consumer report containing any of the following items of information : any other adverse information, other than 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (OH)

I was supposed to receive XXXX American Express Membership Reward points upon making {$5000.00} in purchases on my new AMEX card within the first 6 months of getting the card. I received the card in late XX/XX/XXXX, and I met my spending requirement on XX/XX/XXXX, yet I have not received the XXXX points as I was supposed to. 

I reached out numerous times to AMEX customer service and was told I needed to wait 8-12 weeks starting from the date of XX/XX/XXXX in order for me to receive these points. It is now 13+ weeks since XX/XX/XXXX and I still have not received my points.
Consumer complaint received 2021-06-22
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)

On XX/XX/XXXX, I made a purchase at a restaurant. Our waitress mistakenly charged the entire bill to my credit card even though we had asked for separate checks. 
She corrected the error and assured me my card would not be charged for the prior amount which she did not close out as she alleged and that would prevent it from being charged. Please note - My credit card is a Merrill Lynch Visa ( Bank of America owns Merrill Lynch and it is administered via my Bank of America website ) When I looked at my online credit card charges on XX/XX/XXXX, I saw a {$23.00} charge from the establishment in addition to my regular bill. 
I disputed the {$23.00} charge after troubleshooting the matter with the restaurant manager, who said he could not find the charge at all thus I would need to contact my Credit card company. 
So on XX/XX/XXXX, I disputed the charge online with Bank of America and I received the notice which I have attached to this complaint. It clearly and distinctly states, A temporary credit for {$23.00} will be applied to your account. Please allow two business days for your account to be credited as you can see in the highlighted area. 
On XX/XX/XXXX, a week later, there was no {$23.00} credit and I saw the {$23.00} charge still on my account. I contacted Bank of America and spoke with XXXX who told me ( a ) he had never heard of the XXXX time period for credits as he worked there for years and XXXX b ) said it could take from 7 to 90 days to resolve.

I requested he file a complaint as I have seen Bank of America issue temporary credits in the past, and I had documentation before me supporting this.

If there is conflicting information on their website, which I did not find, it is either ( a ) buried somewhere on it and not readily accessible and ( b ) it is inaccurate, given the documentation you see in my attachment. 
On XX/XX/XXXX, I received the letter you see on page 2 of the attached document, which is merely a non-specific, form letter, which is of no value. 

As of this day, there is still NO temporary credit issued as alleged would occur and is documented from Bank of America.
Consumer complaint received 2022-12-15
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. (MO)

I sent a letter on XX/XX/22 to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again., XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-06-22
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. (LA)

On XX/XX/XXXX XXXX made a fraudulent inquiry on my credit report. 

On XX/XX/XXXX XXXX made a fraudulent inquiry on my credit report. 

On XX/XX/XXXX XXXX XXXX made a fraudulent inquiry on my credit report. 

On XX/XX/XXXX XXXX XXXX XXXX made a fraudulent inquiry on my credit report. 

On XX/XX/XXXX XXXX XXXX XXXX made a fraudulent inquiry on my credit report.
Consumer complaint received 2021-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2020 XXXX XXXX  made a fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX  made a fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX XXXX  made a fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX XXXX made a fraudulent inquiry on my credit report.
Consumer complaint received 2021-06-22
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. (PA)

I disputed two items on my TransUnion, XXXX and XXXX credit reports on XX/XX/21. It has been over 30 days with no resolution. 

I sent a 30 day demand to comply letter to TransUnion, XXXX  and XXXX, on XX/XX/21.
Consumer complaint received 2021-06-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This is regarding a mortgage I took out on a house, with the closing date on XXXX. 

Prior to the decision to take on a mortgage from Bank of America, I received a loan estimate from Bank of America with a rate of 2 % and a lender 's credit of around {$11000.00} with that rate ( see attachment Loan_Estimate_2021 02 24.pdf ). I received a match of 2 % interest rate from XXXX as well, along with around {$6000.00} in lenders credit. I chose Bank of America because of the much higher lenders credit that they offered, along with their XXXX 's XXXX XXXX, which the load officer XXXX mentioned would cover up to {$7500.00} in closing costs. 

However, two days before the closing date, after many days of delay and silence from the closing officer, he sent me the closing disclosure ( see attachment Closing_Disclosure_2021 03 01.pdf ) that provided only around {$5000.00} in closing cost, less than half of what was initially mentioned in the loan estimate, which was supposed to have been " locked in '' per his own words. 

I tried to reach out to him multiple times after receiving the closing disclosure, and after numerous calls that went to his voicemail ( the contrast in responsiveness from the loan officer pre and post " lock-in '' was stark ), I finally got through, but he kept muddling about how amazing the rates are and that I should be happy. 

Yes, it was a good deal, but it was not what was promised by Bank of America in the load estimates. I was wary of Bank of America before making the commitment because of the complaints and lower customer service rating on the various sites ( at least than XXXX ), but I went with it anyway because of the {$5000.00} difference in lender 's credit. 

To add insult to injury, BoA is supposed to disburse part of the lender 's credits to cover the first year 's home insurance ( see Closing_Disclosure_2021 03 01.pdf again ). Three months later, I received a notice of non-payment from the insurance company. I called customer service, which re-directed me to the loan officer, who re-directed me back to customer service ( in an E-mail that said " xxx-xxx-xxxx CS '' ), who then re-directed me to my title company to ask them to see if they paid the insurance on my behalf - do they not have a record of whether they disbursed the insurance money from the lender 's credit pool? 

Meanwhile, they took out a chunk of the escrow to cover the home insurance, which isn't supposed to happen until next year, so I'm short a further {$1000.00}. The whole thing feels more and more like scam.
Consumer complaint received 2021-06-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

the following accounts appear on my credit report, without any authorization, they are not mine, they are hurting me Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine.