davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-14
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 (ID)

I have a Bank of America XXXX XXXX XXXX Signature Credit Card. When I tried to pay my first bill XXXX XXXX, 2024, Bank of America website did not allow me to connect my other bank account. They insisted I open an account with them, which wasn't a requirement when I applied for the card. 
Moreover, they locked my credit card after I attempted a purchase on XXXX. It's absurd to me, as XXXX is one of the largest companies in the U.S. Why was my account locked for trying to buy from there?

They told me the only way to pay my bill was to visit a branch in XXXX XXXX and submit a physical check. I recently moved to XXXX  XXXX, and driving over XXXX hours to pay a bill is unreasonable. 
I've always paid my bills on time, and this is the first time I've encountered such issues with a bank. It feels like theyre trying to impose late charges or force customers to open accounts with them. 
I seriously believe this bank is violating Americans ' rights to fair financial services.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NY)

I have filed complaints before. I was informed by Mohela that Federal Student Aid allowed them to forgive {$63000.00}. Then in XXXX it was put back. Mohela said they will discharge whatever FSA tells them to. However, I noticed that got my Loan Forgiveness and Discharge : Borrowers Defense that {$110000.00} was XXXX and completed on XX/XX/year>. However, on Mohela website they still have me owing {$37000.00} which means they have not XXXX my remaining loans as I am under the Sweets vs. Cardona case as a class member. Mohela keeps blaming FSA, FSA ( borrowers defense line ) keeps telling me that I have to deal with my loan servicer because ALL information has been given to them to handle. At this point this is frustrating and causing me distress with the back and forth. Please update this information Mohela. Send me proof you discharged {$110000.00} as FSA said was completed and forgiven as of XX/XX/XXXX. I need proof. I need communication. I need this handled.
Consumer complaint received 2024-09-27
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. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries on my consumer report. These inquiries are not associated with me, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I may have no choice but to consider legal action if this matter is not appropriately addressed. These inaccuracies have hindered my ability to purchase my dream home and provide for my family 's needs, significantly impacting my financial well-being. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-10-12
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. (CA)

Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX XXXX : Account # ending XXXX with the balance of {$5200.00} result in CHARGE OFF. I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Consumer complaint received 2024-09-27
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)

Assignment of Mortgage added to our XXXX XXXX Records of Deeds without a Power of Attorney, also servicing rights sold without a Power of Attorney. XXXX XXXX was authorized servicer for XXXX who was our Noteholder and Investor as of XXXX, after XXXX closing XXXX, XXXX XXXX XXXX XXXX  continued to collect a Mortgage after the authorized POA date of XXXX, and never sent any payment to XXXX who was Noteholder and Investor, even on XXXX XXXX XXXX XXXX XXXX  acknowledge there was no Mortgage. XXXX XXXX XXXX XXXX  then Sold the Servicing to XXXX without a Power of Attorney. XXXX has advised us there is no Lien, XXXX XXXX XXXX  has sent us Satisfaction of Mortgage letter, and XXXX from XXXX, which was all the documents they had, again because FDIC Nor XXXX XXXX XXXX Bank never sent the Loan Modification documents and Lien Release to XXXX XXXX XXXX. XXXX XXXX XXXX  was then unable to Record the Loan Modification or Lien Release.
Consumer complaint received 2024-07-17
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. (FL)

THIS ACCOUNT IS BEING MISMANAGED BY THE CREDIT AGENCIES SINCE THE CREDITOR IS SENDING INACCURATE INFORMATION WHICH IS SIGNIFICANTLY AFFECTING MY ABILITY TO GROW MY CREDIT SCORE THE HIG BALANCE OF THIS ACCOUNT IS INACCURATE THE LAST ACTIVITY IS INACCURATE THE CLOSING DATE IS INACCURATE IN ALL 3 CREDIT BUREAU AND THE ACCOUNT RAITING IS INACCURATE I DEMAND THAT THIS ACCOUNT BE DELETED FROM MY CREDIT BUREAU SINCE IT IS REPORTING MOST OF ITS INACCURATE INFORMATION XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXXXXXX XX/XX/year>
Consumer complaint received 2024-10-12
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. (TX)

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 XXXXXXXX, 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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hey hope all is well, I just viewed my recent credit report from XX/XX/XXXX and I discovered some account that I do not recognize and also I did not authorize any information to be furnished, and this account is erroneous and has no permissible purpose. I have not done business with any of these companies. This account has violated my federally protected rights, delete this account due to violation of Title 15 USC 1681b. ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX title 15 USC 1681 : As the consumer I have the right to privacy and I did not give ANY bureau written permission to furnish these accounts. Also information furnished needs to have " Maximum possible accuracy '' XXXX v TransUnion XXXX. 

FCRA SECTION 623 ( a ) Duty of XXXX XXXX XXXX to Provide Accurate Information ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Pursuant to USC Title 1692k I will pursue litigation for these violations that is causing defamation of character and financial injuries.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Transunion 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 inaccuracies and false information consists of personal credit card accounts XXXX XXXX XXXX XXXX opened XX/XX/year> under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and charge offs reporting on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and charge offs maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint as proof from the US Federal Trade Commission Report number : XXXX that all of the aforementioned consumer credit accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) So I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC 1681i7 . They also violated 15 USC 1681i ( 5 )
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America and all their digital platforms have been Fraudulently allowing the criminals to steal from all my accounts at BOA since XXXX the Criminals have stolen over XXXX thru fraudulent wire transfers, ATM transactions and actual bank withdrawals all while I was in the hospital. I reported the fraud as soon as I was coherent enought to. realize what had been happening while I was incapacitated. 
This has cause Financial hardship and serious, physical, mental, emotional, and psychological effects due to BOA lack of providing any information I have requested over XXXX  months! please help an elderly woman being mentally abused by a Giant Babk! .
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-17
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. (FL)

THIS ACCOUNT WAS CHARGED ON THE FOLLOWING DATE ( XXXX XXXX OF THE FIRST CHARGE ) SINCE THEN THE ACCOUNT HAS BEEN UPDATED REPEATEDLY AS CHARGED EACH MONTH. THIS IS AN UPDATE TO THE PAYMENT HISTORY. A CHARGED ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY. IT IS INACCURATE THE INFORMATION FALSELY MANIPULATES THE PRESCRIPTION. DID NOT INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLIGENCE HAS VIOLATED MY RIGHTS. I AM DEMANDING THE DELETION OF THE FOLLOWING ACCOUNT : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX  XXXX DEPTEDXXXX XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Today, as I was checking my credit report XXXX cant help but notice that there are inquiries in it that I don't recognize, I did not authorize this nor given consent to the companies to pull up my credit report, it is stressing me out and making me anxious.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-10-23
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. (WA)

Upon checking my credit report, I have discovered a fraudulent account on my credit report, this account is XXXX XXXX XXXX opened on XX/XX/XXXX with account XXXX, and a few fraudulent hard inquiries, these hard inquiries are XXXX XXXX  XX/XX/XXXX | XXXX XXXX  XX/XX/XXXX | XXXX  XXXX XXXX  XX/XX/XXXX, this is fraudulent information on credit report, I request this information to be deleted from my credit report as soon as possible.
Consumer complaint received 2024-09-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (AL)

I took out a loan through Upgrade.com in XXXX. I filed for chapter 7 bankruptcy in XX/XX/XXXX and on XX/XX/XXXX, the debt owed to upgrade was discharged through my bankruptcy. The company was notified by myself and my legal representation, XXXX XXXX. They continued to harass me for payment even after it was discharged and then reported late payments for several months before selling off the debt to a debt collector. There is no way they should have been able to do this. I have the documentation from them about the debt being sold off and the bankruptcy case to support my statements.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX Experian : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX