davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am filing a complaint regarding Bank of America and the undue stress caused by their relentless debt collection calls and emails. I am XXXX XXXX XXXX and have been recently diagnosed with XXXX. Unfortunately, this has affected my ability to manage and pay my credit card debt, and I am no longer able to meet the payments. 

Despite my diagnosis, Bank of America has not ceased their frequent and disruptive calls, which have been directed not only to me but also to my family members. These calls have only increased my stress, XXXX, and XXXX, impacting both my mental and physical health. 

I am requesting your intervention to stop Bank of America from further contacting me and my family regarding this matter via phone and email. Given my age and health situation, I am in no condition to handle this pressure, and I need support to protect me from these aggressive collection tactics. 

Thank you for your attention to this issue.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

There are multiple inquiries reporting that I am trying to figure out where the permissible purpose for them came from. I disputed the inquiries last month and they came back verified. I'm baffled on how this is so. Now I would like to request the documentation provided that shows my signature in which I authorized the permissible purposes. They stated that inquiries are factual. How can an inquiry that I'm questioning be considered factual without my written consent proving it in fact. I am requesting that the following inquiries be removed from my credit report : XXXX XXXX XXXXXX/XX/XXXX : The evaluation and the data it gathered are unauthorized and erroneous. Please delete this information immediately. 

XXXX XXXX XXXXXX/XX/XXXX : This inquiry and its findings are unapproved and faulty. I request this be expunged from my record. 

XXXX | XX/XX/XXXX : The inquiry and its data are unauthorized and flawed. I demand the deletion of this record. 

XXXX | XX/XX/XXXX : This analysis and its findings are unapproved and erroneous. I request that this be removed. 

XXXX | XX/XX/XXXX : The inquiry and its results are unapproved and incorrect. I insist this information be removed. 

XXXX | XX/XX/XXXX : This investigation and its conclusions are unauthorized and flawed. I request the immediate removal of this. 

XXXX XXXX XXXXXX/XX/XXXX : This analysis and the data obtained are illegitimate and incorrect. I am requesting this be deleted immediately. 

XXXX XXXX XXXX | XX/XX/XXXX : The inquiry and its findings are unauthorized and incorrect. I request the removal of this immediately. 

XXXX XXXX XXXX | XX/XX/XXXX : This audit and the information it produced are illegitimate and inaccurate. I insist that this be removed. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : The investigation and its findings are unauthorized and false. I require the immediate deletion of this.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (KY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Equifax Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Consumer complaint received 2024-09-11
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. (WA)

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 2024-08-20
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)

This is NOT a duplicate report, and this is not filed by a 3rd party or Agency, this is filed by me, myself, and I. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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 an account without my written instructions. 

XXXX Account Name : XXXX XXXX  Account # XXXX XXXX Account Name : XXXX Account # XXXX XXXX Account Name : XXXX XXXX XXXX  Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Also please provide the following : XXXX. Creditor Information ( Name, Address and Phone Number of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated with Each Account XXXX. The Original Contract with My Signature on It XXXX. Proof Of Ownership ( Proof That the Company Trying to Collect This Debt Has Authorization to Do So ) If you are unable to provide these four details, please delete these accounts from my credit report. Thank you in advance.
Consumer complaint received 2024-09-11
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. (FL)

To my disbelief, I found incorrect accounts on my credit report tonight, and Im at a loss for why theyve appeared. I routinely check my report, but this time, I encountered discrepancies I wasnt expecting. I refreshed my browser several times thinking it was a mistake, but the errors persisted. Im asking for a careful review of my documents to ensure this issue is resolved once and for all, so I no longer have to stress over it.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Recently, I submitted this account for been inaccurate and incomplete information. This account still appears on my consumer XXXX credit report after being inaccurate. The account close date XX/XX/XXXX open date XX/XX/XXXX how can the account be closed ( 20 ) days before it's open on XXXX Transunion has it open XX/XX/XXXX closed XX/XX/XXXX. XXXX has this account open XX/XX/XXXX closed XX/XX/XXXX so there wasn't an investigation on this account. Remove this account immediately!!
Consumer complaint received 2024-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (NV)

I am filing a complaint regarding SoFi Banks mishandling of my fraud dispute for an unauthorized ACH transaction of {$8800.00} with XXXX XXXX XXXX. SoFi denied my dispute, citing that there were no unauthorized logins and my prior history with the merchant as reasons for denial. However, I had revoked authorization with this merchant and have not done business with them since XX/XX/year>. 

This is an ACH transaction, meaning someone accessed my account using only my account and routing numbersno login credentials would have been required. SoFi Bank has refused to reopen the dispute, despite my providing this clarification. 

Additionally, SoFi Bank failed to comply with XXXX guidelines for ACH disputes. They did not complete a written statement of unauthorized debit, nor did they follow the correct procedures as required by XXXX rules. I have requested that SoFi revisit my dispute and adhere to the regulatory processes, but they have not complied.
Consumer complaint received 2024-10-30
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (NY)

Never received anything from them or have any documents about their company.I have no account with this company but they our reporting on my credit report I would like to have this removed from my credit report immediately. They have not provided me with original copy of contract with signature like I asked for or neither have they provided Validation of debt
Consumer complaint received 2024-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Iam making a complaint exercising my right under 15 USC 1681 ( a ) ( 2 ), Chex system and affiliate have blocked me from getting account bank etc I will like for them to provide me documentation to say that I was the one that open these account and I gave any bank permission to put my information in the Chex system
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports 8
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (NY)

Credit Karma has incorrect information on my Credit Karma Credit Report, even though, their website says updated daily with XXXX and XXXX XXXX respectively. 

After checking XXXX, I noticed that Credit Karma is not providing updated information. They are listing old accounts which arent even listed on XXXX. 

Credit Karma updated my credit karma Credit Report daily, and just yesterday, they dropped it XXXX points after my complaint to credit karma about this issue. 

Credit Karma is attempting to operate as a credit bureau and credit reporting agency by creating their own scores, which differ from those listed from the source. 

Credit Karma is attempting to take control of my credit score and credit report.

Im not what companies would use credit karma now or in the future, nor do I know why credit karma is deciding to keep old accounts even though the source has removed them. 

I showed Credit Karma proof that my XXXX credit score and report does not match. They then changed what the website says and does. They said credit reporting agencies report to them monthly. 

If thats true, why are they lowering my credit score daily based on old accounts? 


Credit Karma is misusing their power and ability to provide credit reports and score through their website. 

I am seeking damages.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MO)

I am writing to seek assistance from you regarding the removal of fraudulent items from my credit report. Despite making this attempts to resolve these issues directly with the credit bureaus and creditors, I have been unsuccessful in removing the following fraudulent items : I have disputed these items multiple times with the credit bureaus ( Experian, XXXX, and XXXX ) and have contacted the respective creditors directly. Despite providing supporting documentation and evidence that these entries are fraudulent, my disputes have not resulted in the correction or removal of these items from my credit report. The continued presence of these fraudulent items on my credit report is causing significant financial harm and affecting my ability to secure credit and improve my financial situation. I believe my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, and I am seeking for your assistance in resolving this matter. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I am grateful for your assistance in removing some of the erroneous credit report entries from my file. There are still a few remaining items that require your attention. This is my XXXX complaint that I was the victim of faulty credit reporting. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was 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 information relating to any transaction by the consumer. The following items need to be removed as they are inaccurate : Experian : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$3600.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$5800.00} ; XXXX XXXX XXXX XXXX Balance {$95.00} ; XXXX XXXXXXXX Balance {$640.00} ; XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX -- -- -- -- -- -- -- -Equifax : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX VIA DEALER XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- XXXX XXXX XXXX -- -- -TransUnion XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 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 XXXXXX/XX/XXXX .Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit reporting. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (FL)

credit report has violated my rights under 15 US Section 602 states I have the right to privacy 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish without written instructions under 15 US 1666B a creditor may not treat late payment on a credit card account under an open consumer credit for purpose.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I trust this correspondence finds you in good health. I am writing to address a critical matter concerning inaccuracies found in my credit report. Upon recent scrutiny, I have discovered instances of incorrectly reported late payments on my account, and I wish to dispute this erroneous information. I kindly request your prompt assistance in rectifying or removing these inaccuracies from my credit report. Maintaining an accurate credit history is paramount, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are the result of an error and require your immediate intervention for rectification. The company associated with this account have confirmed the errors during my telephone conversations with them and have assured me of their commitment to correcting my account. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (FL)

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


XXXX XXXX XXXXXXXX : XXXX, DEPT OF EDXXXX : XXXX, XXXX : XXXX, XXXX, XXXX : XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX, XXXX. : XXXX, XXXXXXXX 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-11
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)

I trust this correspondence finds you in good health. I am writing to address a critical matter concerning inaccuracies found in my credit report. Upon recent scrutiny, I have discovered instances of incorrectly reported late payments on my account, and I wish to dispute this erroneous information. I kindly request your prompt assistance in rectifying or removing these inaccuracies from my credit report. Maintaining an accurate credit history is paramount, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are the result of an error and require your immediate intervention for rectification. The company associated with this account have confirmed the errors during my telephone conversations with them and have assured me of their commitment to correcting my account. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Equifax is reporting reporting a delinquent account from XXXX XXXX XXXXXXXX which was beyond the 7 year statute of limitations. According to the information Equifax is reporting the last payment on the account was in XX/XX/XXXX. As of XX/XX/XXXX, Equifax refuses to remove the negative information which is over 10 years after the first delinquency. XXXX XXXX XXXXXXXX continues to report the account as of XX/XX/XXXX, which based on their records is over 20 years after the first delinquency. Their refusal to comply with the law is having a significant negative impact on me. I believe they are discriminating against me due to my age, gender and/or race.