davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
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. (SC)

I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).
Consumer complaint received 2024-02-13
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. (FL)

Fraudulent hard 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

About XXXX days ago, I tried to access my account and found it locked. I called and was told that they were closing the account, no explanations given. At the time I had {$100.00} on deposit and they have not yet returned it to me. The balance has not changed since they closed it. 
A second issue is prior to closing account I had submitted a wire transfer from my account in the amount of {$1900.00}. The next day I called to cancel it and they said they had to do an investigation and it would take 180 days to resolve. It was going to someone in England. I think that is too long, I cant afford to be without my money and when I call for status I get vague answers and different every time. I dont understand why they are treating me this way I have attached a copy of the only thing Ive received from them dated XX/XX/2023 regarding the 1st issue. I have never received any correspondence regarding the wire transfer and no longer have access online to my account
Consumer complaint received 2024-06-04
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. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-08-28
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, purchased a subject property located at XXXX XXXX XXXX, XXXX XXXX FL XXXX and Certificate of Title was issued on XXXX XXXX by the XXXX XXXX XXXX XXXX XXXX ( attached ). Since taking ownership XXXX XXXX has made every effort and attempt to resolve issues on titleXXXX XXXX XXXX  attorneys pulled an official title report in which the chain of title shows the following : Assignment of Mortgage - XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX, from XXXX XXXX XXXXXXXX XXXX Assignor, to Bank of America XXXX N.A., Assignee, recorded XX/XX/XXXX ). 
Assignment of Mortgage - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, from Bank of America, N.A , Assignor, to The Secretary of Housing and Urban Development XXXX Assignee , recorded XX/XX/XXXX ). 
Assignment of Mortgage - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, from XXXXXXXX XXXX XXXXXXXX , Assignor, to Bank of America , N.A, recorded XX/XX/XXXX ). 
Assignment of Mortgage XXXX XXXX XXXXXXXX ( XX/XX/XXXX, from The Secretary of Housing and Urban Development, Assignor, to Bank of America, N.A., Assignee, recorded XX/XX/XXXX ) - attached. 
Mortgage Release, Satisfaction - XXXX XXXXXXXX ( Mortgage Release, Satisfaction, and Discharge, dated XX/XX/XXXX, filed by Bank of America, N.A., Mortgagee, recorded on XX/XX/XXXX ) - attached. 
Rescission of Satisfaction - XX/XX/XXXX, by Bank of America, N.A., to American Reverse Mortgage ( shut down, out of business ). 
There is a huge discrepancy in which Bank of America, N.A., has not properly, ethically and with transparency communicated to XXXXXXXX XXXX on the rescission of satisfaction. Given the facts that Bank of America has been clear that the reverse mortgage located at XXXX XXXX XXXX has been satisfied. In addition, there is email communication and recorded phone calls between Bank of America employee ( s ) and XXXXXXXX XXXX that the reverse mortgage was indeed satisfied and paid off. 

We need Bank of America to be investigated for unethical practices and violating compliances with Federal law. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, 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. (SC)

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  use XX/XX/XXXX XXXX XXXX XX/XX/XXXX state employees Credit XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (CA)

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 CA # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (MS)

sent a cease and desist dispute letter on XX/XX/year> asking for validity of alleged debt ACCORDING TO 15 USC 1692C YOU HAVE VIOLATED MY RIGHTS BY INLAWFUL COMMUNICATIONS PLEASE REMOVE THIS COLLECTION OFF OF MY CREDIT REPORT
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, 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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX E-Mail : XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : RE : request investigation of an authorized inquiry To whom it may concern, I checked my personal credit report which I acquired from your organization on ( ) and noticed that this an authorized inquiry had been made. 

Ally financial XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Please remove or I will contact the FCRA. Furthermore, I am allowed under the ( XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX financial for them to release my medical information to a third-party. 
I understand that the ( XXXX ) does allow for limited information about me, but any details may only be reveal with the permission of the participant. Therefore, my request is twofold and as followed : Validation of debt, and XXXX XXXX. Please provide a breakdown of fees, including any, and all collection cost and medical charges. Please provide a copy of my signature with the provider of service to release my information to you. Immediately cease any credit bureau, reporting until death has been validated by me. I am unaware of this collection. Please validate or remove this account. 
Therefore, I must request your help in resolving this matter. In accordance with the fair credit reporting act, I request you immediately initiate an investigation into this inquiry, on my credit report to determine who authorized the inquiry. If once your investigation is complete, you find my allegations to be true please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the listed address above. 
If you find my last inquiry above to be valid, I request that you send me a full description of the procedure used in your investigation within XXXX  days of the completion of your investigation. 
Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-24
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TN)

Rental debt was reported on my credit report. I left the complex in XX/XX/XXXX. Upon leaving, I gave the apartment complex my forwarding address. I also turned in my keys. Fast forward in XX/XX/XXXX I looked at my credit report and saw that the amount of {$3800.00} was sent to collections. I called the apartment XXXX XXXX XXXX XXXX around XX/XX/XXXX and asked them about the debt and they told me that I needed to call the collection agency ( National Credit Systems ). I called the collection agency asking about the breakdown of the debt and she became very rude. She finally told me she would give me information to dispute the debt.I also told the collection agency that I never received a notice from the apartment management company concerning the debt or a letter from the agency. When I asked what address the notice was sent to, I was told the address at the old apartment. The company then asked for my new address. I gave them my new address. As of XXXX XXXX. I have not received a notice from them. I also contacted them and was told that I had to talk to that same representative. It has been a week and she still hasn't called me. I am currently disputing the debt with the credit bureaus.
Consumer complaint received 2024-02-24
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. (NY)

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2900.00}
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SOFI TECHNOLOGIES, INC. (OH)

XXXX I will make this short I have been fighting with this company SOFI which seems to be a fraud. Long story short i opened a loan through them with a cosigner i have been onetime with all my payments and In XXXX I found out my cosigner filled a bankruptcy well they made there lawyer fully aware i was NOT filling a bankruptcy and I will be finically responsible for this loan well XX/XX/XXXX I tried to make my Payment which was due XX/XX/XXXX or around there anyways I was told that my account was closed do to a bankruptcy and I said this was all in a chat by the way because you cant call them and if you do o they promise to call you back but guess what I have never received a Call from XXXX on this matter how they are going to fix there mistake but anyway I was told in a chat that THEY can not let me say that again CAN NOT take my payment because the account they have listed i filled a bankruptcy well Like I SAID I DID NOT FILE A bankruptcy. i was told in a chat that this would be escalated to management and someone will be getting back with me and NO ONE has I called back in the XXXXXXXX XXXX XXXXXXXX to try to make a payment because i figured it would be fixed Nope they still wont take my money but they send me all these emails saying you are past due and i need to make a payment asap well these morons can not figure out I am trying to give them my money and they WILL NOT TAKE it who else fights with a card company to give them money now I am XXXX some days past due my major concern is my credit score see I had a ID theft 18 years ago my credit then went to less than XXXX well now with hard work and working XXXX jobs i am up to a XXXX now and its time I start looking for a house to buy that's my mail goal but I have XXXX customer serve saying if i don't make a payment now it is going to hurt my credit because 30 days is almost here but these idiots will not take my money and if i see a bad mark on my credit because of this or XXXX more threat I WILL LET MY LAWYER XXXX XXXX TAKE OVER AND SUE for the mental stress Sofi is putting me through all the XXXX nights ALL i want do is give them a payment why the XXXX is this so hard for this company to understand I have been in contact with a news channel and i have been advised to not tell them name of the channel but its close to there office. this is what i want my account restored and all the negatives on my account be removed or i will take it to the next level because my credit means a lot to me and I will be damned if I let SOFI scam me they will be hearing from me if they do not get this fixed and I have Documation 's from Sofi and chat sessions and i have proof where i tried to make a payment and they told me they can not take it
Consumer complaint received 2024-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (IL)

On XX/XX/XXXX, I received an email requesting {$20000.00} for a debt I did not know with this company. I NEVER received a statement from this company. 

On XX/XX/XXXX, I sent a letter certificate letter to the company asking for a " Verification of the Debt. I stated that I was invoking my rights under the FDCPA and any other applicable state laws as well. A request is hereby made that suspend all collection activities and that the agency provide me with clear and convincing evidence that I have a legal obligation to pay and/or the original creditor for the amount in dispute. 

On XX/XX/XXXX, the letter was delivered and signed. 


The company violated my rights on the following dates : On XX/XX/XXXX and XXXX, XXXX, the company
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-02-12
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)

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.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My student loans were transferred from to XXXX to XXXX in XXXX. XXXX and XXXX are both reporting the same student loans.The balance with XXXX should display {$0.00} because the loans were transferred to XXXX, but my credit report is still displaying balances from XXXX and XXXX. The balances are {$9300.00} ; {$20000.00} ; {$13000.00} ; {$53000.00} ; {$2900.00} ; {$1700.00} ; {$4300.00}. All of the balances with XXXX should display {$0.00}. My student loans are currently with XXXX. The double reporting resulted in a XXXX decrease on my XXXX XXXX.