davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On 2001 my account was compromised and money was withdrawn out of my account. I reported it to the bank. They close my account and refuse to pay me my money XXXX years after they sent me a check for the amount that my money was removed and told me it was their mistake, this year they sent me a small check saying it was for additional conversation for any harm that I had they also sent me another form to fill out XXXX compensation Which I did and sent the forms that I had accumulated over the years for my rent not being paid my health conditions occurred from the stress and XXXX with my head condition And they told me that the information I sent was not enough and I need to send it more which is causing more stress and XXXX  feeling they giving me the runaround again reaching out for help me with this matter would before it takes another XXXX yrs I would appreciate it thank you
Consumer complaint received 2024-07-19
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. (MD)

In XXXX, a XXXXXXXX XXXX had two listed vehicles under my account which were unauthorized by me. The day of the visit to the dealership, I was there to have repairs done on my vehicle, such as an oil change. However, upon the transaction end time and purchase of the service repair, I was notified of other vehicles on my account that did not apply to me nor were inquired by myself. There is this webpage I see quite often that sells the same vehicles I have purchased/own in the past and they constantly contact me about them.
Consumer complaint received 2024-07-19
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. (SC)

On XX/XX/year> I received a copy of my credit report and noticed that there are accounts listed fraudulently. I have filed a police report for Identity theft and a FTC complaint as well. I do not know how these companies got my non public information and now they are furnishing inaccurate information. This has caused extreme damage to my overall creditworthiness. Here are the accounts I am referring to XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX. None of these accounts are verified and I want them removed immediately
Consumer complaint received 2023-04-30
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)

On XX/XX/2023 I requested the credit bureau to investigate erroneous items on my report. my credit report is filled with incorrect information that is not mine it is now XX/XX/2023 and i have yet to hear from any of the bureaus. I have also sent a follow up letter which i believe was ignored. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I just recently became a new XXXX XXXX of USA for the very first time and was granted my XXXX XXXX Status as of XX/XX/XXXX. I received my SSN Card in the mail 2 weeks after I arrived in the country which was again XX/XX/XXXX. The Issue date on my SSN is dated for XX/XX/XXXX, along with my XXXX XXXX  card that also confirms and states " Resident Since XX/XX/XXXX which is XX/XX/XXXX. That being said to my surprise I noticed a new Collection Account on my Credit Report that was placed on XX/XX/XXXX, for {$630.00} to XXXX XXXX, with the original creditor being XXXX XXXX XXXX XXXX and indicating the Open Date of this collection account is dated for XX/XX/XXXX. That being said seeing how I was only granted my XXXX XXXX on XX/XX/XXXX and arrived to this country on XX/XX/XXXX. It is impossible that I was in the country last year XXXX. That being said. I tried contacting both the Collection Account and the Original Creditor ; the hospital and to my surprise, The name on the original Collection Account has an incorrect name to be mine. Along with an address that was indicated on the account for last year XXXX, which I never lived at. After several going back and forth with both the collection account and the original creditor, I was able to get the account number associated to this collection account it being ; XXXX. That being said I tried several attempts at speaking with XXXX XXXX XXXXXXXX XXXX Billing and the Collection Account XXXX XXXX and in ALL attempts I have not been helped in having this issue resolved. I also did want to mention that this collection account is also replicated on my XXXX, TransUnion and XXXX on both my Fico and XXXX. Please see the attached documents I have provided one of which includes my XXXX XXXX Card that I received from XXXX  which clearly indicates what I mentioned previously, Resident Since XX/XX/XXXX, which is XX/XX/XXXX.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (PA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

It caus on my credit report that I have XXXX or may have had XXXX. And I was treated for XXXX and the XXXX XXXX and I think that for one I dont want that info on my credit reports and for 3 how did they get that info and 3 it could have stopped me from getting XXXX in the past.i have a dream about opening a salon and what if I could have had that if I was approved all those times I tried to get a loan when my credit was XXXX I was still getting denied for stuff and still getting High interest rates and what if the reason was because of my XXXX I have been dealing with since I was XXXX? I think its wrong to have information like that on the web I had no idea all these treats its on my experian account
Consumer complaint received 2024-07-27
Product: Credit 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 (VA)

This all started when I received my new pc from XXXX XXXX ( which was ordered on XX/XX/year> Order # : XXXX ). The computer simply does not work, and when XXXX kept sending me from one department to another, all of whom responded with emails containing conflicting information, I contacted Bank of America. I can provide the entire account, but I will summarize here. After much back and forth and BoA 's lackadaisical approach to investigating this, I asked to speak to a supervisor in the " Support department. '' I did not get a name, but as a XXXX XXXXXXXX person it stings when someone disrespects that fact that you can not not do what most able-bodied folks can. She actually ridiculed me for not being able to do things the way " everyone else does ''. This total disregard for a person 's XXXX is unforgiveable. Make no mistake, this complaint is about Bank of America and the ignorant and disgraceful personnel who simply dismissed my concerns.
Consumer complaint received 2023-04-24
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)

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. Please provide me with a written response to this dispute and let me know the results of your investigation.
Consumer complaint received 2024-07-25
Product: Credit 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: PNC Bank N.A. (TN)

We sold a $ XXXX tree saw to a person that used the name XXXX XXXX. We sent him an electronic invoice from our XXXX XXXX account, which he paid in XXXX separate transactions via XXXX separate credit cards : XXXX for {$5000.00} and XXXX for {$7000.00} on XX/XX/year>. He contracted XXXX  XXXX XXXX to pick up the Tree Saw from our location at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX and deliver it to him at XXXX XXXX XXXX XXXX XXXX, IN XXXX, which they did for {$2700.00}. On XX/XX/year> we received XXXX chargebacks for the complete amounts of {$5000.00} and {$7000.00}. We immediately submitted all our information indicating that this was a legit transaction, or so we thought, and submitted it through XXXX XXXX 's online chargeback process. We waited for a reply from PNC bank, and they declined it and sided with the fraudulent purchaser. I then called PNC 's fraud department directly and they refused to talk to me. They said I needed to go through XXXX XXXX for any further communication. So, I called XXXX XXXX again and they refused to help any further, as well. We sold a $ XXXX tree saw to this person, and he's screwed us out of our money. The transport company found a potential address for a XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX and he used two different emails between us and the transport company : XXXX and XXXX and the cell number he was using was XXXX. I'd like this guy arrested, either our tree saw returned or PNC to give us our money back.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My account was used and funds were drained from my account. 

I contacted Bank of America to solve the issue which they started to do. They then gave me a temporary credit of XXXX and a couple days later closed my account with a permanent credit of only XXXX. Where is my remaining XXXX? 

They also said I authorized the money however I didnt, otherwise the XXXX would not be permanent, as this happened at the same time. 

I filed a claim with the consumer finance already and the lady only called me 2 times. I called the Bank of America agent back almost everyday for nearly a month, to which she never replied. 

I am owed an additional amount of XXXX. I received a letter stating I only got a temporary credit for only XXXX however I actually received a temporary credit for the full amount I disputed which was XXXX. 

Then my account was abruptly closed after receiving the money I just want my money back I did not authorize these transactions and Im still missing money. The last agent did not thoroughly do her job and made multiple contradicting statements in the follow up mail she sent me.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (OH)

PNC Bank is not complying with Regulation CC, a federal law governing check holds. On XX/XX/year>, I deposited an {$8500.00} check at XXXX XXXX. At no point during the deposit was I informed of an extended hold on the funds. I expected the funds to be available the next day, but they were not. 

Upon contacting PNC customer service, I was informed a hold had been placed. I never received any written notification of this extended hold, as required by Regulation CC. Furthermore, PNC has failed to release the initial {$220.00}, which should be available the next business day according to the regulation.
Consumer complaint received 2023-04-30
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2023-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (LA)

XX/XX/XXXX Consumers Affairs Complaint : Credit Acceptance Corp. 
I purchased a XXXX XXXX XXXX, in XXXX it was financed through Credit Acceptance Corp. The tag price was XXXX I put a down payment of {$7500.00}. 
I paid {$530.00} totaling {$19000.00}. for three years. 
I made each payment on time and once I finished, they told me I owed another {$17000.00}, then explained that my final balance was {$30.00} for the full purchase price. I was told it was finance charges. Once I began asking the proper questions, they just kept saying it was because of interest and finance. I started to look through my transaction history and do a little investigating of my own. During my investigation, all payments were going to daily interest, none to the principal. 
Customer service stated, interest that had accrued over time. All my car payments were on time? Also, I asked, What vehicle goes from the tag price of {$19000.00} to over {$30000.00}. The attorney of record statement shows that they received file # XXXX on XX/XX/XXXX. 
As of XXXX, they started garnishing of my paychecks on XXXX. The judgment was for {$290.00} ; however, the Sheriffs Department in XXXX XXXX Louisiana is taking different amounts, therefore, I am enclosing documentation Speaking with them time after time, this matter was turned over to : Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX Office # ( XXXX ( XXXX ) - XXXX Fax : XXXX Email : XXXX XXXX
Consumer complaint received 2024-08-18
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. (IN)

illegally reportings of late payments, payment history, and everything that is provided on my report that is inaccurate and that i did not consent them to report! under 15usc1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) G ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-07-19
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

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. PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT.