davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a mortgage account with Bank of America, bank of errors. I am trying to close my escrow account since early XXXX. In the past, under the name of " account analysis '' they made terrible mistakes on the escrow amount which led to much higher escrow payments over the years. Funds added to escrow are ignored/overlooked or outgoing insurance payments are counted multiple times causing the escrow payment go bigger and bigger each year. In previous years, I have spent hours on the phone to correct some of the mistakes this bank did. It's has been a terrible experience. Their customer service is awful. Recently, I have been trying to close my escrow account as I had enough of their mistakes. I have called Bank of America 8 times between mid XXXX and mid XXXX. Each call, I received a different story from the customer representative. It's impossible to close an escrow account through their phone lines and there is NO other way that it could be done. I want to CLOSE this escrow account immediately. I don't want to be subjected to their erroneous banking practices and manage my own finances. 
It's really difficult to explain why this bank exists. It's like cancer. Government MUST look at their awful customer service practices and take action!!! As I see it, this bank shouldn't be allowed to operate on many levels but the irony is it's one of the biggest bank in USA.
Consumer complaint received 2023-04-06
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. (PA)

XXXX XXXX XXXX : {$770.00} Date Opened : XXXX, XXXX, XXXX Youre reporting an account that does not belong to me. Im requesting a 30 day investigation to prove this debt belongs to me. If you can not send me proof please delete this from my credit report immediately. Below are a few things I need to see in 30 days if not please remove from credit report.

* Please show the original contract with my signature that shows I owe this debt.

* I need to see the assignment contract between you and the original creditor.

* Proof that this debt is within the statute of limitations in the state of Pennsylvania.

* Proof that you are a licensed and bonded debt collector and can collect debt in the state of Pennsylvania.

Thank you Ill be looking to hear back in 30 days, if not please remove this unknown account from my credit report.
Consumer complaint received 2023-04-14
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. (WA)

Filed a previous complaint against Equifax regarding them publishing my old name of XXXX XXXX XXXX on my credit file, this caused several of my accounts to disappear from my credit file recently. Equifax had received a copy of the court order which changed my name to XXXX XXXX XXXX, but are now alleging that they didn't receive any information concerning my new name. I would like to evidence that XXXX XXXX and XXXX have had my new name on file for years, and at one point Equifax had my old name and my new name on file. In efforts to try to respond to my previous complaint Equifax again changed their records to reflect the name XXXX XXXX XXXX which is incorrect. I don't understand why it is so hard for Equifax to follow the credit laws? The name is XXXX XXXX!
Consumer complaint received 2023-04-06
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

Upon reviewing my credit report, I identified an account that was added without my authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX COMPLIANCE DISPUTE XXXX Data Furnisher : XXXX XXXX # XXXX. 
XXXX Date Opened : MISSING : XXXX Highest Credit/Original Loan Amount : MISSING XXXX FCRA Compliance/Date of First Delinquency : : MISSING INFO Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that OVER HALF THE ACCOUNTS DO NOT MEET XXXX XXXX compliance standards. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 
This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reported on my credit report. Please firmly establish that your reportings are certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or elsewise indubitable in or of its validity unequivocally as disclosed, as indicated! 
To Whom it Concerns, This cite serves as my Lawful consumer request for all claims of collections and derogatoriness be supposed or else wise revealed not only of the federally mandated requirement with the maximum achievable accuracy and maximum likely completion but equally in full accordance with the established standards of ethical lawful reporting. For any potential reported negativity, my demand is for any such still yet unproven allegation be absolute and well corroborated to its utter truth and facts, even certified as such. It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized XXXX XXXX data field formatted reporting standard ( s ).
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I wrote to the credit bureau requesting investigation of inaccurate reporting leading to no resolution numerous times. The credit bureaus claimed that they have completed a reasonable investigation with furnisher of the account and verified 100 % that the accounts listed below are accurate. However the accounts are continuing to report error on my credit profile, which is causing damage to my credit score.

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy : 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section 2 : 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. 

Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXXXXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hi, there are a lot of errors being reported on my credit report which has been really frustrating. You keep on ignoring and disregarding my requests to correct inaccuracies on my credit report, this is a blatant violation of my rights as a consumer. This is causing a lot of problems in all aspects of my life, it's taking a toll on my XXXX  health as my new credit applications gets denied due to your negligence.
Consumer complaint received 2023-03-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

I submitted a request for ProCollect to verify the debt. I emailed a request, sent certified mail ( that was signed by an individual at ProCollect which proves it was received ), emailed again, and went through four dispute processes with a credit bureau. I have not received any information from ProCollect validating my debt and it has been beyond the threshold to respond back with debt validation.
Consumer complaint received 2023-04-06
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00}.
Consumer complaint received 2023-03-15
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. (CA)

On XXXX XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax  's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2023-03-15
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts 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 and are listed on my credit report XXXX XXXX XXXX XXXX  Balance : {$60.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$29.00}
Consumer complaint received 2023-03-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (IL)

on XXXX I was in a car accident. I had gap insurance for the vehicle, which paid off the remaining vehicle on XXXX. I have a check from Gap insurance stating it went through on XXXX amounting to {$4600.00} check number XXXX. I also have emails from Gap insurance it was paid off to Ally back. I have called over the years as it still affected my credit. I am trying to buy a house.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX To whom this may concern, After reviewing my credit report, I noticed that Transunion is alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report such information. 15 USC 1692g, states that you must provide me with verification of an alleged debt to ensure that my rights have not been violated. Please remove all negative and adverse remarks on the accounts listed below. In addition, I am requesting a debt verification letter as well as the method in which you used to verify this debt before placing it on my account. 
XXXX XXXX XXXX ACCT # XXXX XXXX  XXXX XXXX ACCT # XXXX As you know, it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said account. I am asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paperwork is produced, the account is unverifiable. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the account. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance, then you must remove the account from my credit report.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-07-23
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: Experian Information Solutions Inc. (TX)

I sent letters to the credit bureaus regarding 3 debt collectors ( XXXX XXXX XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX XXXX ) who engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$1000.00}
Consumer complaint received 2023-04-06
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. (TX)

The company has accessed and misused personal information and attempted to collect a debt. In accordance with The Fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is therefore fraud. 15 u.s.c 1681 section 602 a. States I have the right to privacy. 15 u.s.c 1681 section 604 a section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions. 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 u.s.c 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My checking business account was closed by Bank of America in XX/XX/2022 for an amount of {$9500.00} and as of XX/XX/XXXX I still have not received the funds that correspond to me. I have called the bank many times and the only information they give me is that my funds are being verified. At the time of closing the account, the bank told me that in 7 business days they would send a check to my address, 10 months have passed and I still don't have my money.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I disputed 2 bankruptices and the accounts associated with them several time over the last few months. However the credit agencies refuse to allow me to keep disputing and comes back verified everytime even though the 3rd party XXXX XXXX does not have this information on their reports which is whom im being told houses and verified this information