davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My edd account through bank America was in fact hacked and over {$25000.00} in pandemic unemployment money was stolen. It took over two years to have the money returned, for which I had to fly to California to file a police report. XXXX did not follow through. The slimed the case and made no effort to help me get the funds returned. I in fact had to contact XXXX XXXX to get a spotlight out on my case. I am very disgusted with both the bank and the states handling of the situation as a whole. Gross.
Consumer complaint received 2024-10-07
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. (SC)

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 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 CREDIT XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX CO : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX  XXXX : # XXXX, has violated my rights. 


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 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered itXXXX Total fraudulent amount : {$3500.00} Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered itXXXX Total fraudulent amount : XXXX  Company or Organization : XXXX XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it:XXXX Total fraudulent amount : {$440.00} Company or Organization : XXXX XXXX XXXX Date fraud began XXXX XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$540.00} Company or Organization : XXXX XXXX XXXX Date fraud began XXXX XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1500.00} Company or Organization : XXXX XXXX XXXX  Date fraud began XXXX XX/XX/XXXX Date that I discovered itXXXX Total fraudulent amount : {$1100.00} To further support my claim, I have attached documentation including : the police report from the identity theft complaint, also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 

SINCERELY XXXX XXXX XXXX
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

This concerns a problem with Experian incorrectly permanently removing my credit freeze when I distinctly said not to. On XX/XX/XXXX I called Experian and temporarily lifted my credit freeze from XXXX to XXXX. On XXXX, I had finished what I needed to do, so I called Experian to try to replace my freeze for security. Their automated phone system didn't provide that option, but it asked me if I wanted to permanently remove my credit freeze, and I very distinctly said " NO ''. Then it said, " Your credit freeze has been permanently removed '' and gave me no options to say that was wrong and not what I said to do. I called back, and it asked me again if I wanted to permanently remove my credit freeze, and I again said " NO '', and it concluded OK, so I thought perhaps the previous call was a technical glitch. Then I received a letter from Experian saying my security freeze had been permanently removed. I had identity theft in XXXX documented in a police report, so this is terrible that Experian has permanently lifted my freeze, putting my credit at risk, especially when I clearly said " No '' to lifting my freeze. Their phone system does not provide access to a person or any other way to fix this. I have another complaint because I can't reach their site because they are trying to use a land line I no longer have to authenticate me. They are not providing a way to fix this issue.
Consumer complaint received 2024-10-07
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. (OH)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-08-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC (NJ)

I attempted to go through bankruptcy..It was dismissed because I did not show up to creditors meeting. the reason for this was my sister died suddenly on mothers day this year. the meeting was to be held on XX/XX/XXXX... I was completely heart broken over this. She was my last surviving sibling and helping me navigate dr. visits for treatment of XXXX XXXX. By this time I had used my two adjournments to delay sheriffs sale. Very lats I learned of a possible adjournment could be granted by applying for XXXX. I did apply and filed a motion with court to ask for postponement while my application was reviewed. I found out this morning the judge denied my request because I did not send copies to my ex. husband..divorce in XXXX and to another creditor for medical. I am so broken over this. I am XXXX XXXX XXXX with a mortgage balance of XXXX which now totals XXXX because of legal fees. I have worked and paid taxes for over 40 years. I have never asked for any government assistance. I am at a loss as to what will happen to my XXXX cats..I have lived here since XXXX and became sick with covid..and never attempted to apply for relief for lost wages. I feel the judge has been unfair. I will never be able to buy another home.
Consumer complaint received 2024-07-10
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. (NC)

My XXXX XXXX credit card balance was reported prematurely either by XXXX XXXX, or by the CRAs doing self-reporting. The banks have no valid reason to prematurely report credit card balances out of their normal [ once a month ] cycle. Therefore, I am very suspicious of the involvement of the CRAs. 
This complaint is to give XXXX XXXX an opportunity to respond appropriately to the matter with any evidence it can provide to clear itself, as I do not believe it was responsible. If it was they will need to deal with my attorney amicably in the matter. 

On the other hand, if the diligent investigation of my attorny finds any of the CRAs utilized their position to retrieve an out-of-cycle balance and then self-report it, there will be severe legal consequences and regulatory provisions. 

I currently do not know who acted to afrfect my balance out of cycle - my score has dropped at all 3 CRAs as a result. This is unacceptable, as I have a habit of paying my balances down to XXXX or near XXXX, prior to them being reported. 
I urge the CFPB to work with me to ferrit out the culprit, as either XXXX XXXX or Equifax is being dishonest in the matter. I hope it is not XXXX XXXXXXXX, as I only recently started a relationship with them that I was tending to grow. 

I am asking the CFPB, when you read this to identify any patterns of banks or CRAs prematurely reporting balances out of cycle, - as a new consumer advocate I plan to agressuvely pursue such behavior, given the impact it can have on a consumer for their score to be impacted unexpectedly. Today consumers are taking advantage of the credit game, acting swiftly to acquire XXXX percfent interest credit and unique offers while they last. Consumer like me do not have the time or inclination to constantly battle with the CRAs as to how they report information. I currently have numerous dispuets open at all 3 CRAs, as I'm acting very rpoactively and ensuring they follw governing law, complying with it, and more expediently instead of utilizing the 60-day window to respond when it suits them. The clock is ticking.
Consumer complaint received 2024-07-12
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. (GA)

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. 

Account Number : XXXXXXXX XXXX XXXX Account Name : XXXX Account Number : XXXX XXXX Bankruptcy Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number XXXX XXXX  Account Name : XXXX Account Number : XXXX XXXX  Account Name : XXXX and list of Inquiries. 

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 2024-07-12
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. (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. 

Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX  XXXX XXXXXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX & XXXX XXXX XXXX  Account Name : XXXX Account Number : XXXX  XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX Account Name XXXX XXXX Account Number : XXXX  Account Name : XXXX and list of Inquiries. 

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 XXXX 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 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

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 :
Consumer complaint received 2024-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

Information regarding loan status, various payment plan options, and application status for prior requests were not provided. I requested modification in payment status as recently as XX/XX/year>. The system is extremely hard to navigate and I would have liked the option to understand my student loan situation and available options.
Consumer complaint received 2023-03-17
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. (CA)

On XX/XX/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 XXXX '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 Balance : {$3900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$9400.00}
Consumer complaint received 2024-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2018-08-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CT)

My mortgage increased abruptly. I called the mortgage company and I was told that the reason for the increase is due to the home owners insurance. I then called the home owners insurance company and informed them about the increase. the Home owners insurance company set up a conference call with my and the mortgage company. The mortgage insurance lied on the conference call and informed the home insurance company they never received payment. Please be advised my Home owners insurance is deducted every month along with my taxes on my mortgage. I will also upload all documents. The conference all was conducted around XX/XX/2018.
Consumer complaint received 2024-10-07
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 previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2021-06-10
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: TD BANK US HOLDING COMPANY (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine.

2. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

3. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

4. Identity Theft XXXX XXXXXXXX  Account Number : XXXX** This is not mine.

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX**** This is not mine.

6. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX** This is not mine.

7. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine.

8. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XXXX This is not mine.
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (NV)

On XXXX XXXX I.Q.Data International attempted to fraudulently collect a debt of XXXX that was illegal sold by actual creditor. Not only did they attempt to collect, they caused defamation of character by reporting false signatures and information to XXXX, XXXX, and. XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violationg Consumer laws 15 U.S.CODE 1692 ( d ) & ( e ), 15 U.S.CODE 1681 ( b ) & ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorial misconduct ; revoke my signature for all unauthorized usage. I have my own dividens to shield and will strongly do so.
Consumer complaint received 2023-10-29
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.