davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I submitted XXXX complaints that were not resolved by Bank of America ( BOA ) or Consumer Financial Protection Bureau ( CFPB ). Here is the complaint again : Someone has been committing fraud using my name and personal information to create bank accounts at Bank of America ( BOA ). This fraud was started in XX/XX/2021. In the past several months, I've received notices from BOA claiming an account was opened and has been closed. One of the most recent ones had a monetary value of {$2000.00}. I have contacted BOA several times on the XXXX, and the phone disconnected several times. I went to XXXX of their local branches to dispute the issue with XXXX XXXX and was dismissed. Even more recently, a check was sent to me with an existing account I'm not aware of. Of all the banks I have had in the past several years, this is the first bank that has carelessly mismanaged my information and exposed me to identity theft. It's a frightening and unsettling situation to be in when someone can continuously open an account with your name for months without the bank taking any action.
Consumer complaint received 2024-08-12
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: Credence Resource Management, LLC (MI)

15 USC 1681B in according to the fair credit report this creditor rays violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 6048 section 2 also states reporting agencies can not furnish without my written consent
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX {$3800.00} unauthorized account reporting to my credit report XXXX XXXX {$3400.00} unauthorized account reporting to my credit report XXXX XXXX XXXX {$530.00} unauthorized account reporting to my credit report.
Consumer complaint received 2024-10-09
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Solar Mosaic LLC (CA)

I applied for the loan with Mosaic, Once the loan was approved, the funds were sent directly to XXXX, XXXX failed to do complete any work, and now I have Moasic contacting me about a monthly payment when no work or services were completed. In addition, XXXX has contacted Mosaic both by phone and with a letter confirming that they failed to complete any work and they are taking full responsibility for the loan. 

I have aslo contacted Mosiac by phone and in writing requesting that due to breach of contact and no work or services recevied, you would like a full cancellation. Mosiac refuses to cancel and due to this and I am being impacted negatively on my credit and this has created financial hardship for me and my family.

The Mosiac loan number is : XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This is absolutely frustrating, due to your inaccurate reporting and negligence on your part, my new credit applications keep getting denied and has been stressing me out for so long it's taking a toll on my mental health. The information on the attached file has already been deleted by both XXXX and XXXX but you still keep reporting it on my credit which is a blatant violation of my rights as a consumer and is really insulting, I am a law abiding citizen and have fulfilled my financial obligations.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: REGIONS FINANCIAL CORPORATION (FL)

Sent ballon payment amount due on months. I called and ask if they could take a settlement payoff of 10 % of balance they told me they will send a letter in my email and if I can pay in 15 days I told them yes I will pay in 15 days. They told me because I was working with a nonprofit to help with this situation. They told me I need to give permission to speak with nonprofit to settle. I release nonprofit of representation I called Regions back to tell them they told me they decided to decline. After numerous calls trying to clear the matter. After they told me yes to pay in 15 days.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (GA)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any reason
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX 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 2023-11-13
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-13
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: ALLY FINANCIAL INC. (OH)

am responding to ally credit cards response dated XX/XX/23. Back in XXXX i did make a couple of purchases from XXXX and use my ally credit card to make the purchase. After that my account was hacked and closed by XXXX which i sent that over showing to you. XXXX had given me credits for the merchandise that i purchased. When i got my statement there were other charges that i did not recoganize and i reached out to XXXX they infestaged closed my account out cause it was hacked. I have called ally severall times to report this and each time time the ignorant people i spoke to keep giving me dispuites insted of fraud. Listen and listen to me good for the last time i did not make the XXXX charges that are currently on this bill those charges are fraud. There were two sets of charges the other were refunded cause i sent the merchandise back. After that my XXXX account was hacked and these other charges are fraud not mine. Im sick of arguing with the ignorant people at ally credit card. What is wrong with you. I am reoprting this to the attorney general general of the state of ohio and the XXXX. I have also spoken with an attorney and will sue you if need be or if you try and report this to my credit buro. Again im telling you these charges are fraud. Remove them from my account i sent documtation from XXXX showing that my account was hacked. This is ridicilous. I had sent the screen shots to show that the charges i made were sent back to XXXX. As proff. The rest of the bill is fraud fix it Im going to sue alley credit for damadging my credit report. Do mot close this out and dismiss me. I gave told alley credit again and again and again i did not make the current charges on the account.i have shown that XXXX closed out my account cause of fraud. I anitally made purchse from XXXX using this card i did return some things and recived credit for that and initally had called in to dispuited those charges than XXXX gavevme credit. Then i saw these other charges and i spoke with XXXX and told them i had not made them and they investaged and closed my account and stated that it had been hacked and that thid card was on file and somone went in and made to my account and made purchases using this card. This is not fair nor right that i am punished for charges i didnt make. Im getting harassing phone calls almost everyday asking for payment. This needs to stop no one at ally knows what they are doing everytime i call the give me the regular dispuite department instead of fraud. I have contaced the attorney General of the state of ohio the XXXX  and consumer reports this is ridicilious i demand that these charges bee taken off my account and that a complaint be filed against this company.
Consumer complaint received 2024-08-12
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. (FL)

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: R.M. Galicia, Inc. (CA)

XXXX showed two reports from Progressive Mgmt Systems relating to alleged debts owing to XXXX XXXX. I disputed these accounts in XX/XX/year> and they were removed. Now they are back once again, the same entries. 
One account was paid and as to the second, I requested details which were not given. These are also alleged as medical debts and should not appear in any event.
Consumer complaint received 2023-04-20
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

you are in direct violation of the fair credit reporting act has violated several of my right. 15 u.s.c 1681 section 602 A clearly states that I have the right to privacy. 15u.s.c 1681 section604A section2 it also states a consumer reporting agency can not furnish an account without my written instructions.15U.S.C 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plans late for any purpose. remove these late payment and update this account immediately as you rein direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2024-08-12
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: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-12
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. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2022-12-30
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. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 XXXX -- - I was never late on this account because I always pay on time. The payment history of this account is inaccurate! PLEASE INVESTIGATE AND UPDATE THIS ACCOUNT WITH LAWFUL ACCURACY! 

XXXX # XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXX XXXX XXXX  -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 


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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-04
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: EQUIFAX, INC. (NC)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-02-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I call Toyota Corp and they told me at one point the dept that I owe was XXXX, they will settle my account with me for half the amount that was owed. And when I was able to pay my dept. I had reached out and they told me that the dept has been forwarded to a collection agency. The collection agency then said I owe over 15,000.  I told them that the account amount was incorrect and I have proof, which is XXXX a letter from Toyota stating what I owed. they then told me to send them a picture of the letter that I had. ( Which I did ) they then call me back after two days saying that the vehicle has not been sold for the amount that they where looking for that is why the dept went to XXXX I then made arrangements with the collection agency to settle the matter and have it deleted from my credit report. And once they receive the funds. I received a letter from the collection agency, saying the dept was satisfied. But the dept was not deleted from my report.
Consumer complaint received 2024-09-17
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. (MS)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX  ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX  ), a personal loan account opened at XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Please take this complaint seriously as this has been immensely frustrating. This is really stressing me out, It's been such a long time that I am trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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.