davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-15
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

EMAIL and then my response : Bank of America XXXXXXXXXXXX ; Re : Your Card Has Been LimitedYour bank appears to be the most inept I have ever encountered! I 'm not downloading anything you send. I have been at this address and had the same phone number for well over XXXX years. XXXX XXXX XXXX got rid of you for handling all of their clients, including me, so poorly. And when my husband died over XXXX years ago, several different bank, including yours, bought the XXXX mortgage he 'd had, and your bank caused me way too many aggravating problems. Now you are attacking my credit card limits ( again!!! ), after already removing my {$70000.00} credit limit that I 'd carefully earned on my XXXX XXXX card [ you cut me back to {$25000.00} ] to help you scam the Feds by creative number management. You built the huge crash on my back, and turned me from middle class to the working poor, and on XXXX. I hope the Feds close you down, and split up your huge feeding monster that helped to destroy my financial security and my health. Your top people need to be incited and ideally lose their ill-gained assets, and jailed in an awful prison, not a federal vacation complex. You can take pride in receiving one XXXX rants I 've ever delivered to the parties who 've wronged me in almost XXXX years of my adult life. 

XXXXOn XXXX XXXX, 2015, at XXXX XXXX, " Bank of America '' XXXXXXXXXXXX ; wrote : Some information on your account appears to be missing or incorrect. 
We have attempted to contact you by phone to speak with you personally but have been unsuccessful. 
As a precaution we have reduced your daily purchase limit. 

At this time we require that you verify your account information. 

To do so, please download and open the document attached to this e-mail. 
Please follow the instructions from the document. 

Please verify your information promptly so that you can continue to enjoyall the benefits of your Bank of America account. 

This measure is mandatory, failure to do so will continue to limit your access to Bank of America. XXXX ; XXXXThis bank needs to be completely dismantled, and moneys given to those of us they have so damaged. The big shots at the top need to be equally demolished financially and prosecuted to the extremes allowed by law. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2016-06-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WI)

I opened a citi gold checking account XX/XX/XXXX with a promotional bonus of XXXX Aadvantage miles and I called three or four times to citi gold customer service and they said I 've met those requirements and have submitted an investigation. I should be receiving a letter by then but I do n't receive it even now. So I have to call again asking about it. They have to submit another investigation ticket but still nothing happened. I 'm really disappointed by not hearing anything from them and this just ca n't be resolved.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). 

My Identity was stolen and a car loan was created in my name. I have filed a police report as well reported this to the Federal Trade Commission. 

The following account should be deleted from my credit report immediately. 

XXXX XXXX XXXX
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (DE)

I got a letter for citi card dated XXXX/XXXX/16. In it they stated I was being issued a refund for " certain expedited payment fees previously paid for making a payment over the phone ''. I have two issues with this. Firstly : 1. there was no statement sent reflecting exact time in question. I do not know if its the rightful amount and 2. if indeed the money I paid was & {$14.00}, there should be interest compounded on said amount. According to the letter, the time cover XXXX XXXX 2009 to present. Were is the interest on my balance for the past 8 years. if I had owed Citi ( Department Store National Bank ), I would have been charge interest along with late payment fees. So I think its only fair they pay interest on money that they held for me for over 8 years.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-08-08
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. (OR)

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 2023-08-08
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: OneMain Finance Corporation (NY)

I hereby demand that you promptly remove any claims that have been reported unfairly and unlawfully against me. This request serves as my official notice to you that I dispute the reporting of claims included in the notice, and I challenge you and any other data repositories involved to provide indisputable evidence that each claim was made in accordance with the mandated XXXX XXXX Data-filled Field Formatted reporting standards.
Consumer complaint received 2023-08-08
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

XXXX, XXXX and Equifax continue to reporting my financial information with XXXX despite me opting out of doing so. I have a right to opt out of my financial information being shared without my consent. 

162.6 Reasonable opportunity to opt out. 
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. 

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out. 

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method. 

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method. 

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. 

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
Consumer complaint received 2023-09-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

I oppose the findings you wrote about my complaint, you failed to address any of my concerns, especially the one that I can not afford the repayment plan. I filed a second complaint because I feel that the following points that based my complaint were totally missed and all you did was make yourself look good in the eyes of the Consumer Protection agency. 

In my second complaint, I let them know that the repayment plan is a total mistake, it was based on wrong information such as income and expenses. 
I emailed SPS a new income and expense worksheet which they totally ignored. 
Another factor is that SPS totally ignored my hardship, currently I am suffering from XXXX and XXXX  XXXX XXXX which caused my income to decrease, SPS did not even mention this. 
They never addressed the facts in why my assistance was withdrawn and why I am ineligible for other options. 
SPS never offered me any new plans or options for me to keep my home, all they do is blame it on the case and desist letter, but the fact is that they keep emailing the same old dumb letters that are absolutely worthless. All they are doing is emailing me repeat letters every day of the week. I send them all back because they do not offer me any kind of hope. 
Why did SPS not honor my XXXX assistance application which has now impacted my life and well being Finally, I think SPS is setting me up for failure and wants me to accept a repayment plan that is incorrect and based on wrong information. I can not accept this plan when it's constructed wrong. 
All of these delays are adding extra stress which I do not need, why doesn't SPS offer me a new option so we can resolve this issue as soon as possible. 
If CFA rejects this complaint, then I forced to keep on writing to them and other agencies, see attached complaint letter.
Consumer complaint received 2023-08-08
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. (IL)

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 2023-08-08
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. (FL)

Subject : Dispute of Inaccurate Student Loan Accounts Under FCRA Rules Dear Consumer Solutions, I am writing to formally dispute the accuracy and validity of several student loan accounts that are currently appearing on my credit report. These accounts have a significant impact on my personal livelihood and financial well-being, and I am seeking their removal in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. 
Below are the account details for the disputed student loan accounts : * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX I wish to bring to your attention that these accounts are no longer present on my credit report. Their presence is causing unwarranted harm to my credit score and overall financial standing. I have diligently managed my credit obligations and have adhered to responsible financial practices, and it is crucial that my credit report accurately reflects this.

In accordance with the FCRA, I kindly request an investigation into the aforementioned student loan accounts. As per FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to accurate and up-to-date information on my credit report. Moreover, FCRA Section 611 ( a ) ( 1 ) ( B ) mandates that if any information is found to be inaccurate or can not be verified, it must be promptly deleted from my credit report.

Please provide written confirmation of the initiation of the investigation within five business days, as stipulated by FCRA Section 611 ( a ) ( 2 ). Furthermore, I request that you provide me with a written update on the progress of the investigation and its outcome, in compliance with FCRA Section 611 ( a ) ( 6 ) ( A ) ( iii ).

I am committed to resolving this matter and ensuring the accuracy of my credit report. Your prompt attention to this dispute is greatly appreciated. If necessary, please feel free to contact me to discuss any further details or clarifications. 
Thank you for your immediate assistance in this matter.
Consumer complaint received 2023-08-08
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. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2700.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$480.00} ; XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-08
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)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXXXXXX. Please remove this account ASAP.
Consumer complaint received 2023-08-08
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. (GA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received an email a few months ago that Bank of America ( BoA ) would close a checkings account in my name. I had never opened an account with them. When I called, the rep said I would receive a packet in the mail in order to file fraud. When the packet came in the mail, it asked for copies of several of my credentials. I did not feel comfortable doing so. I went into a BoA branch and asked them to verify the account was closed. They said it was. 
A few months after that, I received a letter in the mail saying another BoA Checkings account in my name would be closed. I received a Bank of America {$700.00} check for the remaining balance on that account. Someone opened the account in my name and received several XXXX payments in one day. I have not cashed the {$700.00} check. However, I do not want accounts to keep being opened in my name. How can I stop this?
Consumer complaint received 2023-08-08
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a Identity Theft yet I have an items passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX