davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
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)

As a victim of debt bondage, a severe form of XX/XX/XXXX. I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX XXXX, an organization dedicated to helping XX/XX/XXXXXX/XX/XXXX Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from tXX/XX/XXXX once an official claim has been submitted. 

XXXXXX/XX/XXXXAccount number # XXXX XXXX XXXXXX/XX/XXXXAccount number # XXXXXX/XX/XXXX XX/XX/XXXX account # XXXXXX/XX/XXXX account # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXXaccount # XXXXXX/XX/XXXXccount # XXXX XX/XX/XXXXaccount # XXXX XX/XX/XXXXXX/XX/XXXX account # XXXX XX/XX/XXXXaccount # XXXX XX/XX/XXXXaccount # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXXaccount # XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT . PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XX/XX/XXXXIN PERSONS OR XXXX XX/XX/XXXX. IF THE CONSUMER HAS PROVIDEDXX/XX/XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX | DOCKET NO. XXXX | XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OFXX/XX/XXXX( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-29
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. (SC)

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 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
Consumer complaint received 2024-07-29
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. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I want to receive pre-approved offers of credit cards and loans from Bank of America via XXXX XXXX, XXXX Mail or email. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Consumer complaint received 2024-07-29
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: ALLY FINANCIAL INC. (LA)

This violates 15 U.S. Code 168i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove it immediately. Multiple names, numbers, addresses, and finance companies must be removed immediately. I did not authorize this. XXXX XXXX and XXXX XXXX need to be removed from my credit. The only name to be shown is XXXX XXXX XXXX. That is my legal name. I can send proof. The only address and phone numbers that need to be shown are XXXX and XXXX XXXX XXXX, XXXX, LA XXXX & XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX. XXXX, XXXX, LA XXXX. XXXX XXXX is also showing as paid off, and I was incarcerated when that account opened fraud. The company is a scam. XXXX XXXX financed a car in my dads name, first me, and second. They ran my name with lenders without my permission. This all has my credit bad, and I am buying a home. Also, Ally Financial has a report on my credit that when the car was stolen and found and then they sold it at an auction which my car had full coverage insurance on it and should have paid it off. They are saying I still owe. That is not true.
Consumer complaint received 2024-07-28
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: PNC Bank N.A. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I am writing to address a serious issue related to my personal and business accounts with Bank of America. I have been a loyal customer for over XXXX  years, maintaining a very good payment history with both my personal and business accounts. Recently, I encountered an issue where my credit limits for both personal and business accounts were suddenly decreased without justification. 

I received a letter from Bank of America notifying me of the decision to reduce the credit line on one of my personal credit cards. However, I was not informed about the reduction of my business credit card limit or the limit on another personal credit card. I discovered these reductions only when transactions were denied, causing significant inconvenience and frustration. As a long-time client with a very good payment history, I believe this lack of communication and the subsequent impact on my business is unacceptable. 

The impact on my business has been significant. As a XXXX XXXX who creates custom XXXX and XXXX XXXX, I rely heavily on my credit lines to purchase high-quality materials, maintain inventory, and manage cash flow. The sudden decrease in my credit limits has restricted my ability to fulfill client orders promptly and invest in marketing efforts to attract new clients. This has not only caused financial strain but also affected my reputation and client satisfaction. Furthermore, this issue is affecting my future business prospects and personal financial stability, as it limits my ability to expand my business and secure necessary funding. 

I am deeply concerned that Bank of America has discriminated against me by decreasing my credit limits despite my long-standing history as a reliable customer. This action seems unjustified and has further compounded the issues caused by an erroneous credit report entry by XXXX XXXX, which has incorrectly reported a business credit card on my personal credit report. 

New Information : Recently, I received a letter from Bank of America notifying me of the decision to reduce the credit line on one of my personal credit cards. However, I was not informed about the reduction of my business credit card limit or the limit on another personal credit card. I discovered these reductions only when transactions were denied, causing significant inconvenience and frustration. As a long-time client with a very good payment history, I believe this lack of communication and the subsequent impact on my business is unacceptable.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I did not give anyone authorization or consent to use my personal information. 

I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

I work for XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX was part of a massive data breech last fall. Due to this my husband and I both put credit freezes on our accounts. On XX/XX/year> we purchased a new car so for one day we took the freeze off of our credit in order to process that transaction. That same day there was a fraudulent credit card through Bank of America ( BOA ) taken out under my name. The credit card had a {$12000.00} limit on it. I received no correspondence regarding this card either through email or mail. I did not have any knowledge that this card existed until XXXX when I started noticing a severe drop in my credit. I pulled a credit report and found that card. I had an existing credit card with BOA that I never used so when this card was set up it linked with my existing account through my social security number. There were no charges made on the card, only fees that are at this point totaling almost {$600.00}. I made complaints through XXXX, XXXX, and BOA reporting this as fraud. BOA said they would investigate this as fraud and let me know in 30 business days the result. I never heard back so I called them again in 45 days and was told that the original agent never submitted this as a fraud case. I was told once again this would be submitted as a fraudulent card. I at that point filed a police report. I hadn't previously filed a police report because it was a known data breech issue with my company so I just reported it to my company. I called BOA back to add the incident number to my case and was told at that time that the case was already decided and it was found that I am liable for the card. I reopened the investigation and added the police report to the case. It is still being investigated. I never actually received a credit card so I do not have a credit card number or account number for this
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

This card in question is with Synchrony Bank, managing the XXXX for Sam 's Club. 

a ) When returns are made it takes a few days to appear and this is especially critical when near the payment due date. 
b ) When charges were made they appear right away. This means my bank account is debited to the total amount outstanding on the day of the payment due date. That means this credit card behaves like a debit card rather than a CC. CC allows you to pay after 30 days of statement closing, not immediately. 
c ) I have other bank cards and XXXX XXXX, managed by XXXX XXXX similar to this in question and they only charge what the statement balance minus any returns. 

I am sure there are lots of complaints against this bank and they are charging customers unfairly. I was told signing auto-pay gives them the authority to do so. Again, I have auto-pay with all CC vendors and none are doing what Synchrony is doing. 

I signed with XXXX XXXX, to manage all my finance portfolio in one place and today I tried to link my Synchrony Sam 's Club card, and access was denied. It is similar to XXXX and other software. 

In the meantime, Synchrony has no problem accessing my bank account to process Auto-pay and I can't figure this out either. 

I need your help in finding out what is happening! 

Thank you, XXXX XX/XX/year>
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ALLY FINANCIAL INC. (CT)

An inquiry from Ally Financial appeared on my credit report due to an assessment conducted by XXXX XXXX XXXX when I was purchasing a vehicle. They ran the report to determine which company could offer a car loan, even though I ultimately financed my car through XXXX XXXX XXXX and did not require XXXX XXXXXXXX services. I subsequently reached out to Ally Financial, requesting that they remove this unnecessary inquiry from my credit report. Despite my efforts, I have not received any response from them regarding my request.
Consumer complaint received 2024-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This query is with the company transunion I have an extended fraud alert on my credit profile Ive asked the company to verify these accounts as well as said inquiries for merchants Ive contacted transunion as well as the merchant over and to do a proper investigation into who keeps filing for credit in my name I do not recognizing said inquiries merchants or accounts
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have my credit cards on auto pay fROM MY CHECKING ACCOUNT. I was the victum of a scam and had to close my checking account. once I had the new checking account number, i called Bank of America to update the autopay number ( I have confirmation numbers for these payments ) However, Bank of America wrote down the new number wrong - puting the routing number in both the routing number and account number places. So, when they attempted to do the autopay, it did not go thru. A soon as i learned that the Credit Union had refused the charges, I called to ask why. They said that Bank of America had used the routing number for the account number. I then called Bank of America to give them the correct account number again. and paid off the statement balances on both credit cards. I then started having my credit cards refused, So I called Bank of America again and learned that they had closed both accounts for non-payment, even though by that time i had authorized payment in full twice. They said I needed to re-apply for the cards- which I did, but I have not received word on whether or not they will re-issue them. They are charging me interest on the cards due to late payment. If they had written down the checking account number correctly the first time, the cards would have been paid on time. I do not think i should be charged interest for Their mistake. I also think that they should re-issue the credit cards ASAP. luckily, I have other cards that I can use, but the Bank of America cards are the ones I use most, including for payment of other bills.It is quite a hassle to change the auopay for other bills that use to use these cards.. Two different account numbers entered below.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-07-02
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. (OH)

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, DEPT OF ED / 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. 

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 : States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any conusmer report containing any of the following items of information Any other advers item of information
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC (TX)

In early XXXX I began calling customer service at Newrez/Shellpoint. I own a duplex and Newrez is the servicer. I asked for a Consent of Mortgagee Form to form a condo regime on the duplex that I own. I work for a mortgage company and this is not an uncommon request. Instead of receiving this form I was sent a partial release package from Shellpoint  on XX/XX/XXXX. I am not trying to sell any part of my land and do not need a partial release. With the release package there was a phone number for customer service to call with questions. I called and was told that they submitted my request for the form. I called several more times and was told they were working on it. On XX/XX/XXXX I sent a certified letter with an example of the form I needed to the Shellpoint legal department and requested the form again. They never responded. I also sent an email to the servicing department on XX/XX/XXXX requesting the form and provided an example of what I needed. No response. On XX/XX/XXXX I called customer service again and was told that a package went out to me by email and was also mailed. Neither arrived. On XXXX I was finally able to get a customer service rep to escalate my call to a supervisor who told me there was no record of my request and no notes to show anyone was working on my request. I had been told many times by customer service that my request was being " worked on ''. I filed an internal complaint on XXXX. I received an email from Newrez on XXXX that they received my inquiry and would provide a written response. I do not have a response and have no confidence that this will be resolved in a timely manner.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts 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 to be removed/updated.

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.

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 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!