davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-24
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 (GA)

I reported multiple duplicate charges to Bank of America in early XX/XX/2023 and filed corresponding claims. The bank identified most of the charges as fraudulent but unexpectedly denied the three largest ones, despite consistent evidence provided for all claims. It appears unusual that the proof successful for smaller claims did not yield the same result for the larger ones. 

I'll provide screenshots as evidence. There are so many I can only provide a few.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (GA)

XXXX XXXX recently decrease my credit limit and also my account was reported as dormant as I hadn't used it in XXXX months but I just used it. So the same month that it showed usage, in my most recent report, it also showed a decrease and limit by {$100.00} though I've never been late, and just have used it and this is affected my score.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

On XX/XX/2023 I tried accessing my account online and was unable to do so. On the same day I called Citibank and spoke to XXXX and XXXX XXXX XXXX said that he was a supervisor ). XXXX told me that he could not help me. 

I would like you to help me get this issue resolved.
Consumer complaint received 2024-05-12
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. (PA)

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/year> noticed some thing are incomplete not accurate .and according to the fair credit 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 use 1681 ( e ) ( B ). and according to 15 use 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) IN general after reinvestigation under paragraph ( 1 ) of any information disputed
Consumer complaint received 2023-09-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

This company is reporting two accounts on my consumer reports. I have never received any information as to what these alleged debts are for. I have never done business with or ever spoken to them about any accounts. I have never received any information about these alleged debts. I have tried to dispute these accounts, yet they come back " verified '' without sending me any information as to how they " verified '' these debts. This inaccurate information on my consumer reports is causing financial damage to me and my family.
Consumer complaint received 2024-04-30
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. (NJ)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of the current address, Social Security Card, passport, Driver 's License, and Insurance Card. 

This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WIPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS, DISPUTES, COMMENTS, OR REMARKS LEFT ON THE CREDIT REPORT. 



IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES, ALL SOFT PULLS, AND DISPUTES NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO THE CREDIT REPORT! DELETE IT IMMEDIATELY! 

POTENTIAL LAWSUITS LIST COMING 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 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without Written Instructions!! 



XXXX XXXXXXXX XXXX XXXX # XXXX AND ALL INFO FROM Equifax, XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX AND ALL INFO FROM Equifax, XXXX, and XXXXXXXX XXXX XXXX XXXX  XXXX XXXX AND ALL INFO FROM Equifax, XXXX, and XXXX XXXXXXXX XXXX Account # XXXX AND ALL INFO FROM Equifax, XXXX, and XXXX XXXXXXXX XXXX Account # XXXX AND ALL INFO FROM Equifax, XXXX, and XXXXXXXX XXXX XXXX Account # XXXX AND ALL INFO FROM Equifax, XXXX, and XXXX
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-11
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. (TN)

I am formally writing this letter because upon reviewing my consumer disclosure report with EQUIFAX, I noticed there are multiple accounts in my credit file with this company that are inaccurate. On XX/XX/year>, there was a notice of dispute sent to EQUIFAX through the CONSUMER FINANCIAL PROTECTION BUREAUs ( CFPB ) portal per CFPB complaint # XXXX. When the accounts in question were disputed, I made it explicitly clear as to what was inaccurate regarding the accounts. As it stands, the inaccurate accounts that were disputed with EQUIFAX have been verified as accurate or modified per EQUIFAXs response to the CFPB complaint/Notice of Dispute. This in turn prompted me to login to my membership account with EQUIFAX to review my credit file bearing the accounts and said changes made to the accounts. It has come to my attention that the very same accounts that were disputed still remain inaccurate and unchanged regarding the errors I have brought to EQUIFAXs attention. EQUIFAX is in direct violation of the Fair Credit Reporting Act per 15 USC 1681e ( b ) because it did not ensure maximum possible accuracy regarding the accounts I disputed. Instead, it verified the accounts and failed to correct the errors I have brought to its attention.
Consumer complaint received 2024-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I am having issues opening a bank account due to erroneous and incorrect information which were a result of bank error and malfeasance. I previously spoke with a female bank vp years ago regarding the issue and error and was under the impression the matter had been resolved and the account closed. I am not sure why the account is showing delinquent or write off status and have documents to support my account history and where the error caused an issue with the account. This account needs to be remove from my record and profile. I never was given detailed info for where the delinquent money in the amount of - {$1400.00} came from. My prior statements support my claim and provide no insight or detail into the delinquency fees or charges resulting in the above referenced amount
Consumer complaint received 2024-09-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (OH)

I am writing to formally lodge a complaint and dispute against a company named XXXX XXXX XXXX regarding a collection account that has been improperly reported on my credit report. This company has violated my consumer rights under several key provisions of federal law, as outlined below : 1. Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Failure to Provide Validation Information XXXX XXXX XXXX has placed a collection on my consumer report without providing the required validation information, as mandated under 12 CFR 1006.34 ( b ) ( 5 ). They have failed to offer any validation of the debt before reporting it to the consumer reporting agencies.

2. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : No Opportunity to Dispute I have not been given the opportunity to dispute the account before it was reported to the consumer reporting agencies, which is a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This action has deprived me of my legal right to challenge the validity of the debt before it negatively impacted my credit.

3. Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) : Unauthorized Reporting to Consumer Reporting Agencies Online Information Services has furnished information to consumer reporting agencies without providing the necessary disclosures required by law. This is in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ), which stipulates that such reporting is unlawful without full compliance with all legal disclosure requirements. The company has also engaged in false, misleading, and deceptive practices by misrepresenting the nature of this debt.

4. Reappearance of a Previously Deleted Debt This particular debt was previously reported by another collection agency, which was then removed from my credit report because the debt was paid to the original creditor, XXXX XXXX. The debt has since been resold and reappeared on my credit report under XXXX XXXX XXXX, which is an unfair practice and further violates my rights.
Consumer complaint received 2024-06-17
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: CITIBANK, N.A. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my MACYS/CBNA - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (CA)

I am writing to formally lodge a complaint regarding my attempts to open a bank account online with several major banks. Specifically, I have tried to open accounts with XXXX XXXXXXXX XXXX XXXX Citibank, and XXXX XXXX XXXXXXXX, but all my attempts have been unsuccessful. 

I am currently dealing with a serious illness that makes it impossible for me to visit any bank branches in person. As a result, online banking is my only viable option. Despite providing all the necessary information and documentation, I have been unable to successfully open an account with any of these institutions. 

This situation is causing me significant distress and inconvenience, as I rely on having a functional bank account for managing my finances, paying bills, and receiving medical payments. I believe that these banks may not be accommodating the needs of customers who are unable to visit branches due to health issues. 

I would appreciate your assistance in investigating this matter and ensuring that banks provide reasonable accommodations for individuals who can not access their services in person. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-05-16
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: EQUIFAX, INC. (NY)

I recently looked over my credit report and saw that I have a few hard inquires that I did not authorize and I don't recognize. I do not know if they were due to fraud but I do know I did not authorize them. 
XXXX XXXX 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 2024-08-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My minor son was scammed and it involves me as well, we were scammed with bad checks and in this way it was that my minor son who entered a social network to get income on the internet from configuring video games and they agreed to pay him XXXX dollars a week and when they deposited the virtual checks they passed XXXX to the teenage account of which XXXX passed and the XXXX did not pass and the XXXX my minor transferred them to my account by XXXX, days later they sent him other checks since the bank apparently passed the checks and the scammers sent us the contact of some people to send them the money by XXXX, XXXX and XXXX XXXX to a supposed XXXX, a few days later bank of america and XXXX closed my account for fraud since those checks had no funds, the required amount was paid to the bank and even so they sent an alert to all banks to take away my access to open a checking account in any banking entity and even They even closed my Bank of America credit account.
Consumer complaint received 2023-05-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (FL)

I checked my credit report this morning XX/XX/XXXX and notice a derogatory account on my credit. 

Looking further I noticed it was from Amsher Collections agency. I have no idea of this debt or what it pertains to. They never contacted me regarding the debt via phone, or email, or mail. Which fails to meet the guidelines of the CFPB. 

I never got a notice and they are falsely accusing me of having this account, without ever giving me the means to pay it off or settle the debt if it were mine. This is unjustly accusing me of the debt without my legal due process taking place. 

My name is XXXX XXXX, Address is XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX Phone is : XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-16
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-05-16
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)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-05-16
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

[ Your Name ] [ Your Address ] Dear XXXX XXXX XXXX, I am writing to formally dispute the inaccurate information on my credit report concerning a XXXX XXXX account with a balance of {$52000.00}. This account was opened fraudulently as a result of XXXX XXXX. 

As per the Fair Credit Reporting Act ( FCRA ), I am requesting that this fraudulent account be removed from my credit report immediately. I have already filed a police report and an XXXX XXXX report with the Federal Trade Commission ( FTC ), copies of which are enclosed for your reference. 

Below is the relevant information regarding the disputed account : - Creditor : XXXX XXXX - Account Number : [ Account Number ] - Current Balance : {$52000.00} I have also disputed this fraudulent account with the other XXXX major credit bureaus, Equifax and XXXX, and am awaiting their written confirmation of the removal of this account from my credit reports. 

In support of my claim, I am enclosing the following documents : 1. Copy of the police report 2. Copy of the FTC XXXX XXXX XXXX 3. A copy of my driver 's license or other form of identification 4. A copy of a recent utility bill for proof of address Under the FCRA, you are required to investigate my dispute within XXXX  days of receipt of this letter. Please remove this fraudulent account from my credit report and send me written confirmation once this has been completed. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.