davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It started in XXXX they started to send XXXX stating I had a line of credit which I did not I would make a withdrawal from BOA in XXXX XXXX XXXX  for {$200.00} the screen would pop up {$35.00} insufficient funds pay {$35.00} yes or no I pressed yes they would deduct what was owed and at times they would deduct next month stating I owed which I did not they held back from my direct deposit {$300.00} I was to receive my money back XX/XX/XXXX which I did not receive then they would deduct more the next direct deposit saying I owed money from a line of credit which was not true so from XXXX to XX/XX/XXXX they kept $ XXXX they said money would be deducted from my acct and I gmailed back please do not deduct any money I owe you nothing you still owe me {$300.00} I am on a fixed income so they deducted {$240.00} or more each direct deposit I have all the documentation written down what deducted each time I had {$3.00} and they even helped themselves to that and sent me a chk for the amount that was withdrew I still have the chk that is theft I XXXX  management 6 times and went in person 5 times saying we did not owe you any money then they said the branch mgr would not talk to me gave me the run around said XXXX XXXX bonds were the one helping themselves to my money went to XXXX spoke to an associate and she said no we did not you are paid in full then I asked are you willing to testify on my behalf and she said yes I even went to file with BOA fraud and said I can not seem to find 3 yrs back in fact you can look back 7 years I did my research since then I have been stressed out lots of headaches I suffer from XXXX big-time please help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you will have to send you copies of my documentation as well as my acct I am permanently XXXX do not trust site my XXXX  has been compromised by XXXX XXXX aka XXXX and XXXX XXXX XXXX XXXX who works at BOA as Branch Manager XXXX XXXX aka XXXX received a loan for a house next door at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX the house is being rented XXXX XXXX aka XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX they were evicted for being child molesters XXXX XXXX and XXXX XXXX along witXXXX XXXX  she is XXXX remember the XXXX XXXX  who ran off with the fake daughter and her husband XXXX XXXX they all are lovers the loan was for {$250000.00} XXXX received {$40000.00} the neighbors at XXXX have a new charcoal gray car four door XXXX XXXX well all these people do is extort money and that is why XXXX XXXX and her husband received half of {$68000.00} and XXXX XXXX received {$68000.00} and XXXX XXXX aka XXXX received {$120000.00}. XXXX XXXX lives at XXXX XXXX XXXXXXXX XXXX XXXX XXXX the people above were boosting about there theft per say XXXX and XXXX. Well XXXX XXXX XXXX he put the rental up for the loan plus he want a XXXX change
Consumer complaint received 2017-01-18
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: ASPIRE FINANCIAL INC. (TX)

My husband and I recently refinanced our home with XXXX and was overcharged in our closing documents. We paid for our XXXX certification that is required by the VA administration, which is also suppose to be not an expense to the borrower. We were then charged again in the closing documents. We also gave XXXX a copy of my divorce decree showing that I was awarded my home in my divorce. XXXX did not supply a copy of this decree to the title company at closing and the title company requested a copy from the courthouse and charged me in my closing documents. During the XXXX month, ordeal of getting our home refinanced, we experienced bad customer service, lost numerous documents that was submitted to XXXX numerous times. The XXXX managers was unprofessional in all aspects of this refinance process. I even at XXXX time tried to reach out and talk to the XXXX of the company just to receive a call from XXXX of the managers stating that, " the XXXX does n't talk to customers. '' If this is true then the commercial 's that is aired on TV is false advertising, and the customers that he is showing as a true customer is fake. At closing with the title company, our closing documents had numerous forms that were still incorrect even after we submitted them to XXXX numerous times. I even contacted XXXX of the managers to state that they over charged us for the XXXX certification by {$320.00} to only be hollered at by this manager. I even had my cell phone on speaker phone and the title company closing officer was in shock to hear the tone and what this manager said to us.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had three charges on my bank of America account that I discovered on a closed account that was showing delinquent on my credit report. I contacted Bank of America and discovered three charges that were made which I did not make nor authorize. I spoke with the disputes department who started a claim. I was also instructed to file a police report of the fraud which I did and forwarded to them. 


-- Case # XXXX Charge : XXXX - {$120.00} Date XX/XX/2017 Charge : XXXX - {$120.00} Date XX/XX/2017 Charge : XXXX - {$22.00} Date XX/XX/2017 Bank of America responded to my inquiry with a generic response stating they investigated the charges and said they confirmed statements were mailed to the address I provided which has nothing to do with fraud on my account. 

I greatly appreciate any and all help resolving this matter.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX with Social Security XXXX XXXX and XXXX XX/XX/XXXX. I am XXXX and need assistance with housing but the following information on my credit report is stopping me from getting loans. I need the highest credit scores possible from ALL 3 Credit Reporting Agencies. Can you please assist in removing the following within 14 business days? 
Respectfully, Please remove- XXXX XXXX  XXXX Please remove the following EMPLOYMENT INFO : This is incorrect XXXX XXXX XXXX XXXX XXXX XXXX Please Remove the following : ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please remove Hard Inquiries : XXXX, XXXX Inquiry : XXXX XXXX, XXXXXXXX + Miscellaneous Reptg. Agencies EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXXXXXX. 
XXXX OF XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX Please remove CLOSED ACCOUNTS from Loans and Inaccurate Account from XXXX ( This is not my account- Ive never had XXXX ) OTHER LOANS XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$73.00} Needs Attention
Consumer complaint received 2023-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

2022 I discovered I was the victim of fraud and that my credit information was being used by others. I had approximately {$28000.00} stolen from my bank account and had to close and open a new account. Numerous credit accounts were opened unknown to me, in my name. At the time a relative was living with me and using my credit information, my social security no. and other vital information in my name. I reported that these were not my charges, this was written off by the credit card co. and sold to a XXXX XXXX XXXX. I have requested a police report from the police department in XXXX, PA, and requested assistance from the XXXX XXXX XXXX in XXXX XXXX PA and reached out to the Pennsylvania Attorney General with no help. After months of corresponding with the Area Agency on Aging, they promised they were speaking to Police Dept., Secret Service to track down and then discovered they were no longer assisting. My brother, who was living with me at the time, died XX/XX/2022 and had been using my credit and opening these cards- I believe another party who he met on the internet and I believe was being scammed, was involved and using this information as well ... These are charges I did not make and I am not aware of but can get no help in getting this resolved.
Consumer complaint received 2023-06-23
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. (TX)

I have a request from Equifax to remove unauthorized credit inquiries and they advised they can't remove them without a report. 

Please see the credit inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Despite the previous written requests, the unverified account listed below still appear inaccurate on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, Section 605b within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Correct this account immediately XXXX XXXX XXXX XXXX Balance Owed : {$33000.00}.
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (FL)

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. 
XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX 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 XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

cfpb I sent Transunion a copy of the Police report reguarding XXXX XXXX I have been asking Transunion to send the Original documents that they should have at the consumer Request But they have failed to do so Per the FCRA 609 & 611 ACT I HAVE EVERY RIGHT TO ASK FOR THIS INFORMATION BEING A VICTIM OF IDENTITY THEFT THE LAW CLEARLY STATES THAT THE REPORTING AGENCY HAS TO PROVIDE THIS INFO Transunion has totally broke the law I also ask for all information on the accounts in the previous dispute asap
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX XXXX XXXX  Balance : {$20.00}.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: LEXISNEXIS (NC)

InXX/XX/2022 I contacted LexisNexis to inquire if XX/XX/XXXXXXXX requested a copy of my consumer report. The representative told me no, but I believe they are not being transparent. I would like for the CFBP to force LexisNexis to provide accurate information for companies that have requested my consumer report.
Consumer complaint received 2024-09-13
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. (NY)

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 2024-08-10
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. (TX)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Amount : {$9900.00} XXXX previously submitted a dispute to Experian regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Experian failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
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. (FL)

I sent a letter out on XX/XX/XXXX to XXXX, XXXX and Equifax ; My tracking numbers are XXXX, XXXX & XXXX. It has been more than 30 days and the credit bureaus failed to send my investigation back.

According to the las 15 U.S. Code 1681i Procedure is case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance to paragraph ( 5 ), begore the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (FL)

I sent a letter out on XX/XX/XXXX to Experian, XXXX and XXXX ; My tracking numbers are XXXX, XXXX & XXXX. It has been more than 30 days and the credit bureaus failed to send my investigation back. 
According to the las 15 U.S. Code 1681i Procedure is case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance to paragraph ( 5 ), begore the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Ba

sed on, 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate.. This section requires that if an item is disputed, the credit reporting agency must promptly update the item in accordance with the results of its investigation. I request that you conduct a thorough investigation and update or remove the disputed items as necessary.

15 U.S.C. 1681e ( b ) : This section mandates that a credit reporting agency must follow reasonable procedures to ensure maximum possible accuracy of the information in the consumers credit report. The information currently reported is inaccurate and, therefore, does not comply with this requirement.

Pursuant 15 USC 1681 section 602 A states I have the right to privacy.15 U.S.C . 602 ( a ) : This section obligates credit reporting agencies to use their services for the purpose of credit reporting and to maintain reasonable procedures to ensure that their reports are accurate. The inaccurate entries on my credit report indicate a failure to comply with these procedures.

Pursuant 15 USC 1681 section 604A section 2 : It also states a consumer agency can not furnish accounts without my written instructions I am requesting the original copy of agreement, terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the listed items on the attached document. You are required to do what I am asking and black these transactions from my consumer report within 4 days.
Consumer complaint received 2015-08-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

Fair Collections and Outsourcing ( FCO ), a debt collector and assigned agent of the original creditor, XXXX XXXX XXXX, has been attempting to collect a claimed debt of {$3500.00} for various charges associated with my rental of an XXXX apartment at the XXXX XXXX facility in XXXX XXXX California. 

FCO has provided as evidence of the debt, a '' resident Journal '' that depicts debit and credit transactions and ending balance. The problem with this XXXX page report is that @ XXXX % of the report is blurred beyond readability, and the ending perpetual balance does not follow from the transactions, but rather is stated seperately on a page not of the transaction report, and in a different typeset. The report as given is useless for purposes of debt validation. 

FCO is reporting the claimed debt to XXXX, who is reporting it as a delinquent item in collections. 

I have sent to FCO a copy of the report I received from them, pointing out the unreadable areas, and requesting a fully readable version. I also requested that they provide the name and contact information of authorizing and approving agent at XXXX XXXX Communities. 

In response, I received a letter from FCO stating they have " verified '' the debt and will continue reporting it to the CRA, FCO did not respond to any of the requests I made for a competent validation of the debt, and identity of the source of the data.