davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

on XX/XX/2022 i came in to made a deposit of a cashiers check to my new bank account with abnk of america teller i had no problem doing the deposit of {$6400.00} that day he said the funds will be in my acc by the next day i used my card fine until one of my purchases were declined i called the bank they said the money had a hold on it i went in the bank and the teller said he couldnt get in my account had been blocked he gave me a number to call and i did they said they had decide to close my account for because i had brought a bad check that i had to contact whomever send me the cashier 's check and ask for them to ask for the funds back i called XXXX whom send me the cashiers check ( which it was money from XXXX ) they said the bank had verified and cashed the check on XX/XX/2022 at XXXX pm that it was already cash and it since it was a cashiers check they couldn't do anything about it that they didn't understand why the bank was doing that. i came in the bank to speak to a supervisor the first girl that helped me couldnt find the invoice of the day i had came in with the check until she went and spoke with someone else she had me go with this person and she called their fraud department they told her the bank had the funds but i couldnt get the funds from them they never gave me a reason they only said they couldnt verify the check and they had decide to close the account for fraud reasons they even said on the phone if we cant verify the check the bank stays with then funds i was in there in person 3 hours and i had called many other times and i even spoke with a supervisor from that department and he said the same thing to me on the phone. now it been 5 months and this bank still has my funds and has not resolve anything XXXX which is the thir party that sent the cashiers check said they cant ask for the money back because it was a cashiers check adn it was money sent to me from the XXXX  that the bank should reale the hold on the money and return funds to me that they have no reason to say it was a bad check if it shows them the did verified it and cashed by them i have not received anything on this day the worsts banking experience with bank of America.
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NJ)

MIDLAND CREDIT MANAGEMENT is furnishing an account to my consumer report without providing me with prior consent via certified mail giving me the opportunity to dispute the debt or opt out of any relationship with their company. This is a violation of my consumer rights. I demand MIDLAND CREDIT MANAGEMENT cease and desist all communication regarding this alleged debt through ANY medium ( including my consumer report ). Failure to comply will result in legal action being taken.
Consumer complaint received 2022-08-05
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. (PA)

My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following accounts/inquiries I need to be deleted are listed in the report and attached to this statement : ACCOUNT NAME ( XXXX ) : XXXX XXXX  I DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX XXXX  : XXXX XXXX, XXXX
Consumer complaint received 2023-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I filed several disputes requesting transunion to investigate the following account by the name of XXXX XXXX with an account number attached as being XXXX. That is listed on my consumer report with a balance owed in the sum of {$180.00} as a charge-off account. Transunion cliamed that all of the information listed under this account was verified as being accurate when in fact it's not accurate at all. I discovered that on XX/XX/2019 was reporting as being the last payment made on this account but in the history on the same date XX/XX/2019 it displays a charge-off status. This account information must be deleted and removed from my consumer credit report immediately per the fair credit reporting act laws and regulations. I aslo included a copy of the most recent dispute results from transunion peraining to this account XXXX XXXX with my cfpb complaint.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following accounts/inquiries I need to be deleted are listed in the report and attached to this statement : ACCOUNT NAME ( XXXX ) : XXXX XXXX I DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I received my credit report on XX/XX/scrub>, 2024 and notice there were accounts that do not have permissible purpose to be on there. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. In acordance 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  U S Dept Of ED 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 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 than records of convictions of crimes which antedates the report by more than seven years. I also asked for the original contract to be provided and it was not.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B It is illegal to report information on my credit report without my permission.

I have not supplied proof under the doctrine of estopple by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2022-08-23
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. (MS)

Mailed four written request to each credit bureau to dispute an unverified account on my credit profile. Under the FCRA you are required to have a copy of the original creditors documentation on file to verify that the information is correct. Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it.

Received four written letters in return from each credit bureau after each investigation stating that the account was verified.

Despite all four letters mailed I was never provided a copy of any documentation with my signature on it as requested. Yet, the account XXXX XXXX XXXX XXXX still remains on my credit profile unverified. According to the FCRA section 611 ( 5 ) ( A ) you are required to promptly delete all information which can not be verified. 

Date letters mailed : XXXX XXXX XXXX XXXX XX/XX/2022 XX/XX/2022 Account : XXXX XXXX XXXX XXXX # XXXX Amount : {$760.00}
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAVE KNOW KNOWLEDGE OF THESE UNAUTHORIZED INQUIRIES, PLEASE REMOVE IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was trying to make a Internet purchase earlier during the day to see that it kept declining my transaction. I log in to see that both my checking and my savings account were both closed down. I call them and they said they made the decision this morning and they didnt have to notify me that the account was closed down. I asked why the account was closed and they said they can close it at their discretion and they can close it whenever. I have been a customer since I was a teenager which is messed up. Yesterday I went to the physical bank because I just got a new digit card last week and my pin has not been working so they reset it at the branch and they didnt even say anything there Bank of America
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX a balance transfer of {$10000.00} was made by Wells Fargo from a XXXX account. 

This balance transfer was NOT authorized. 

The XXXX account was owned by my husband XXXX XXXX XXXX, who had passed away on XX/XX/XXXX of XXXX XXXX XXXX days before this transfer was made. I was a user on this card, but not a co-signer and not responsible for the account. 

I have spent hours talking to every department at Wells Fargo XXXX Credit Card, Fraud, Executive office. I went through a mediation program, but during the mediation discussion they decided the issue did not fall under a mediation category. 

They have not been able to substantiate any approval for this balance transfer.
Consumer complaint received 2022-08-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST HOME MORTGAGE CORPORATION (VA)

This is our second complaint because First Home Mortgage refuses to cooperate with us and the Virginia Mortgage Relief Program to receive payment to save our home. This is an extremely time sensitive matter and the funds are available and waiting, we are very confused as to why they wont accept the funds and get this matter situated and why it is taking them as long as it is to handle this matter. It is urgent and we do not want to lose our home. We have been told there is a different servicer on the phone but our statements do not reflect that and no one is telling me any different. We have done conference calls with the program and our mortgage company and we are still getting the run around. At this point it feels discriminatory against us for bein low income and we will pursue that if need be.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IA)

On XX/XX/2022 a transaction was disputed and returned to my account on XX/XX/2022. However the refund has not been refunded through Chime. I contacted Chime only to be snuffed. I was transfer between five departments, I verified my identity XXXX times, and was on hold for over 30 minutes. I was then told by a supervisor that she could not verify my identity. Chime bank customer support is ridiculous.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

i ahve 4 previuos employer listings that are wrong and need to be deleted and 2 prviuos addresses that are not mine and unauthorized inquiries that need to be deleted. Several accounts that do not belong to me and some marked late that is not correct
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 

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.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

\nI demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows 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
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MS)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2022-08-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (NY)

Im XXXX XXXX and am declaring that i am a first-hand witness to the facts of this offence. 

Im aware that Ally Bank/ Ally Financial continues to violate me and my consumer rights and protections provided by the federal government.

Ally Bank/ Ally Financial is responsible for having my vehicle illegally repossessed without any type of writ, warrant, or other type of judgment or order against me.

Ally Bank/ Ally Financial is using coercive tactics in order to obtain payment when again the alleged debt has never been verified under the penalties of perjury.

Ally financial/ Ally Bank has envoked the Fair Debt Collections Practices Act and is accusing me of owing an alleged debt that has never been verified under the penalties of perjury and by and through their actions is resulting in substantial harm against me.

Ally Bank/ Ally Financial actions has also resulted in gross negligence due to this company repeatedly sharing my personal and private information invoking the XXXX XXXX baily act and and the privacy act of 1974 and never having my direct consent to do so. these actions are harming me substantially. 

Ally Bank/ Ally Financial has severely ruined my reputation by reporting my personal and private information to private entities namely Credit Reporting Agencies and never gave me proper disclosures before furnishing my private information Ally Bank/ Ally Financial has committed and continues to commit several crimes under title 18 including but not limited to bankruptcy fraud, false claims under the bankruptcy code, extortion, aggravated identity theft, theft, mail fraud, conversion, embezzlement among other crimes. 

Ally Bank/ Ally Financial is BREAKING THE LAW
Consumer complaint received 2022-08-21
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: EQUIFAX, INC. (AL)

n 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 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (NY)

XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Attn : XXXX XXXX  account # XXXX i have no recolection of this account does not belong to me applied bank account # XXXX this account is paid settled in full i have included an letter stating a XXXX balance from the collection agancy XXXX XXXX account # XXXX  account is closed and reports XXXX balance on XXXX so the balance needs to report accurate on all companies XXXX XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXXXXXX XXXX account # XXXX i have no recolection of this account does not belong to me also its reporting twice as XXXX tradelines not mine XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me FOR ALL OF THESE ACCOUNT I WANT DOCUMENTATION OF THE VALIDITY OF THESE ACCOUNT AND HOW THESE ACCOUNT WERE VERFIED. I WANT PROOF OF MY SIGNUTE FOR THESE ACCOUNTS AS I DO NOT RECALL HAVING ANY OF THESE ACCOUNTS.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Payment history/late payments is inaccurate and contradict my records and that of the other bureaus. report also contradicts XXXX own reporting from my credit report pull and what they actually carry on their website. 
I am losing patience with the computer-generated replies I have got. If the information is not immediately reinvestigated and removed, I will be forced to seek legal advice and submit complaints with regulatory enforcement organizations such as the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state attorney general. 
Remove this incorrect information at once and send me an updated copy of my credit history report. 

account number XXXX account name XXXX XXXX  account number XXXX account name XXXX XXXX reporting on credit Karma website from data pulled from XXXX shows that I have 3 missed payment on my auto loan with XXXX XXXX and 5 missed payments with XXXX XXXX account number XXXX. This information is in accurate, I requested my annual credit report and it has different information reported on it which is in line with my records as well. I have XXXX missed payments with XXXX XXXX and 1 missed payment with XXXX. 
I will attach screenshots of my credit karma report as well as of my XXXX XXXX pull  report so you see your inconsistency I will will forward this to credit karma as well for investigation and correction and if this is not adjusted or reported correctly i will be forced to take legal action against you