davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I applied for a HELOC at Bank of America on XX/XX/2023. On XX/XX/2023 I decided to cancel my application during a recorded conversation and followed up in writing with an email. The following day I received a response from my Home Service Specialist to confirm my request and furthermore that I would be receiving a letter confirming this in about 10 business days. See attached emails. 

Instead of sending me an official letter stating my cancellation, on XX/XX/2023 I received an Adverse Action Letter ( see attached ) dated XX/XX/2023 which is 6 days AFTER the date of cancellation. Bank of America is not being honest, truthful or ethical.
Consumer complaint received 2024-04-08
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. (TX)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!
Consumer complaint received 2024-04-08
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. (TX)

I received my credit report from XXXX, Experian and XXXX on XX/XX/year> and notice there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report. 

XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-04-08
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
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 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 2024-07-12
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a Victim of identity theft when I finally received my bank of America card with my benefits the balance was XXXX. I have contacted unemployment but because funds were dispersed to Bank of America and were fraudulently used or transferred from a Bank of America account thats where I should receive my reimbursement from
Consumer complaint received 2023-04-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (IL)

Several months ago in 2022. I received a notice from Americollect INC out of XXXX, Wisconsin. In this one page letter is requested payment from XXXX XXXX and said it was an attempt to collect a debt. The amount listed was incorrect because I had previously got on a monthly payment plan with XXXX and they were billing my account, so I knew instantly the amount was XXXX plus upon calling XXXX I was informed personally that they had not given my account to Americollect. I called Americollect and told them two things, I was disputed the amount and acording to XXXX they were not authorized to collect the debt. The agent informed me, which I already knew that I needed to put this in writing. I did this withing 2-3 days. I wrote Americollect and clearly stated that I was disputing the debt based on the amount and I was requesting verification of the debt. I speciallcally requested coppies of the original bill from XXXX, and I requested proof that they had a legal right to even collect the debt because XXXX was saying they had no record of my account being placed with them. I have proof of delivery from this letter that was sent to Americicollect which folloed the Fair Debt Collect Protect Act. Americollect never responded! Instead of responding they started a pattern on ongoing and persistant phone harrassment. For months and even to this day I receive at minmimum 4-5 automatic calls a day, including the weekend. I have called Americollect many times requesting the information, requesting that the harrassment stops and the harrassment continues and no proof of the debt or even their agreement from XXXX to collect this debt has been provided. I just spoke with a supossedly superviser earlier that week who stated that she " can't stop the calls '' and the only place that can provide me information about this debt is XXXX, YET Americollect has reported by to all the major credit bureaus, yet refused to comply with the federal Fair Debt Collect Act. They are blantly refusing to follow this act. I have attempted for months to resolve this.
Consumer complaint received 2024-04-27
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. (OH)

XXXX XXXXXXXX XXXX XXXX XXXX The above account that is currently reporting to my credit report is is holding up the process of me buying a new home. The accounts is FRAUDULENT and UNAUTHORIZED. -XXXX XXXX XXXX  XXXX XXXX The above account has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809.demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Consumer complaint received 2024-04-08
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. (NC)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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  Under the provisions of the Fair Credit Reporting Act XXXX specifically 15 USC 1681 section 602 a, it is unequivocally stated that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and a deep respect for the consumer 's right to privacy.

As the consumer in question, I am asserting my right to ensure that my private information remains confidential, as reinforced by 15 USC 6801, which declares that financial institutions have a continuous obligation to respect customer privacy.

According to 15 USC 1681 section 604 a section 2, a consumer reporting agency may only furnish a consumer report under specific circumstances, one of which is in accordance with the written instructions of the consumer. It is imperative to note that both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX and XXXX, Experian, lack my consent and certainly do not possess my written consent to furnish this information. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 

Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how they can exercise the nondisclosure option. The ( Furnisher of information to credit agencies ) failed to inform me of my right to exercise this option, thereby violating the law.

The reporting of adverse information without my permission is also a breach of 15 USC 1681C ( a ) ( 5 ), which explicitly prohibits consumer reporting agencies from including adverse items of information that antedate the report by more than seven years. XXXX and Experian are in violation of this provision. 
Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A asserts that no person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX XXXX and Experian are falling short of maintaining reasonable procedures, as mandated by 15 U.S. Code 1681e, which requires consumer reporting agencies to have procedures designed to avoid violations and limit the furnishing of consumer reports to specific purposes.
Consumer complaint received 2024-04-08
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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 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 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX 's response is that they gave me the summary of results on XXXX XXXX 
However, I received no invoice or summary of results and zero knowledge of this amount owed. There is no certified mail or evidence that I received such notice as surely I would have disputed immediately instead of this inaccurate charge hitting my credit report. 

I have no idea what this charge is for or who this company XXXX XXXX is. I do not owe this really high debt. They sent an invoice with zero explanation what this is and what it is for. I've had no business dealings with this company. This has caused me to be denied housing and causing me financial hardship. If this does not get removed asap I will have to seek legal action for all those involved. ACCOUNT : XXXX NAME : XXXX XXXX AMOUNT : {$4800.00} In accordance with the Fair Credit Reporting Act, This account has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate. I have already submitted several letters sent via certified mail to resolve these inaccuracies and received no proof or help of these accounts should not be able to just say I owe money that I do not owe with zero evidence. If it was verified accurate, what method was used? Where is the evidence that it is accurate? This XXXX XXXX  company just sent an invoice with no details. This needs to be removed off my account asap and I may now have to start a litigation case against the company.
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (KS)

I've sent letters disputing the account listed below over 3 times. I have asked for validation showing that the account belongs to me. I have only received emails stated that the account is accurate but no proof is being showed to me at all. The time the account was created I was XXXX  and XXXX XXXX XXXX XXXX XXXX. There is no way the account belongs to me due to I already have 1 light company in my name and I haven't stayed at the address the account is linked to in over 7 years. I have sent in my military orders, and other document showing the credit bureaus that this isn't my account. And if you have proof that its mines please show me.
Consumer complaint received 2024-04-08
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)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Unable to remember date, I have XXXX accounts with Capital One. I mistakenly made a XXXX payment to the incorrect account listed on website. I alerted the company. They informed that a procedural investigation will have to be conducted. 
That process took almost XXXX weeks. Finally they applied my credit payment to card XXXX, but for some reason XXXX credits were applied to my account XXXX, XXXX. Their system appears to be charging me for the double credit that I did not spend. 

I have a XXXX credit limit, I was told that the system would not allow me to spend more than my credit limit, so confusing. Because I only owed XXXX, but I remitted a payment of XXXX, where is the credit for remainder. If I spent over that, the overage should have covered the transactions, therefore, I need to know why I owe XXXX
Consumer complaint received 2024-04-16
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: DISCOVER BANK (FL)

Delete hard inquiries 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 604 a section 602A 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 reporting containing any of the following items instructions any other adverse item of information other than record of convictions of crimes whish antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( a ) ( 5 ) 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. 

Deleted the account below : 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 2023-06-28
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)

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 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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to address a concerning issue regarding the inaccurate balances associated with charge off accounts on my credit report. Despite my previous attempts to rectify this matter, the incorrect balances persist, negatively impacting my creditworthiness and financial standing. 

It has come to my attention that the balances reported for the charge off accounts on my credit report are incorrect. Despite providing evidence and documentation to support the accurate balances, the discrepancies remain unresolved. This inaccurate reporting not only tarnishes my credit history but also undermines my ability to access essential financial services and opportunities. 

I urge you to conduct a thorough investigation into the balances associated with the charge off accounts on my credit report and take immediate action to rectify this matter. It is imperative that the accurate balances are reflected to ensure the integrity of my credit history and prevent further harm to my financial standing. With this, I am asking for your assistance to remove these charge off accounts in my credit file : 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 2024-04-08
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. (NV)

About a year ago, I discovered that I am a victim of identity theft again. I found out that someone unknown to me somehow, they found my personal information and had used it by changing my address and phone number to get a few credit cards, including the one from XXXX XXXX. I immediately filed a report on XXXX and sent a copy to all the major credit bureaus and I also sent a copy to the original creditors. They took the items off and then back on again. I sent a letter to XXXX XXXX and requested again this item does not belong to me and close the account and remove it from my credit report. As of this day, I have not received anything back. That is what brought me here today. Please help me to resolve this stressful situation.
Consumer complaint received 2024-04-08
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. (NY)

This account was opened on the following date : XX/XX/year> and it showing inconsist and inaccurately on all XXXX bureaus. this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.Experian failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights.I am demading a deletion of the following account Name : XXXX XXXX XXXX Account # XXXX i enclosed a copy of my most recent credit report with proof of the inconsistancies on all XXXX credit bureaus XXXX, XXXX and Experian
Consumer complaint received 2024-04-08
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. (NJ)

In accordance with the fair credit reporting act convergent Account # XXXX and Account # XXXX has violated my rights 15 U.S. C 1681 section 602 A state I have the right to privacy 15 U.S.C 1681 section 604A section 2 it also State a consumer reporting agency can not furnish a account with my written instruction
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. The company has acknowledged this error and has committed to updating the status to open/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 
I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. 


XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
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. (TX)

I received my credit report from XXXX, XXXX AND EXPERIAN on XX/XX/XXXX and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under XXXX XXXX XXXX. I also have attach the hard inquiries that dont have no purpose to be on my credit report. 

XXXX ) XXXX XX/XX/XXXX