davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX at XXXX I received three back to back emails from " Bank of America XXXX. The first email was asking me to verify my email address with a link to " confirm email ''. The second email said I was now enrolled in Online and Mobile Banking with a link to " view service agreement '' and the third email stated that my application for a Bank of America Advantage SafeBalance Banking Account was declined due to information obtained from XXXX XXXX XXXX XXXX and " the key factors that adversely affected your deposit account score were the status of the relationship with the inquiring bank, the number of times account ( s ) have been in a high risk status, and the number of different banks inquiring during the last year ''. I have never been a customer of Bank of America and have never had any type of account or credit card with them. I did not click on any of the links in any of the emails and I went in person to a BoA branch who looked up my SSN through their system and was able to find my name, address, and email but I had no history of any type of past or active accounts. There was a phone number listed but the phone number was not mine and I searched the number online and it was getting results of an area code in Florida which I have no friends or family in that state. The employee at BoA also said that the email address which I received the emails from do not look like a familiar email that BoA would use. I am still concerned that someone attempted to open an account with my personal information.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ava Finance, Inc (GA)

Subject : Complaint Against AVA Finance Regarding Opt-Out Request I am writing to file a formal complaint against AVA Finance concerning their non-compliance with my opt-out request for credit reporting. I originally submitted my request to AVA Finance on XX/XX/2024, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

In my request, I clearly stated my desire to opt out of any future credit reporting by AVA Finance to credit reporting agencies. Despite this, I have yet to receive any confirmation or acknowledgment from AVA Finance regarding my request. 

Details of the situation are as follows : - On XX/XX/2024, I sent a formal letter to AVA Finance requesting to opt out of credit reporting. 
- The letter was sent via certified mail, and I have confirmation of its receipt by AVA Finance.

- As of todays date, I have not received any response or confirmation from AVA Finance regarding my request. 

This lack of response and failure to acknowledge or act on my request is a violation of my rights under the FCRA. I am deeply concerned about the potential negative impact on my credit report and financial privacy. 

I request the CFPBs assistance in investigating this matter and ensuring that AVA Finance complies with my opt-out request. I am also seeking confirmation that my request will be honored and that no further credit reporting will be conducted by AVA Finance regarding my account. 

Enclosed with this complaint is a copy of : - My original opt-out request letter dated XX/XX/2024. 
- proof of delivery to Ava Finance.

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ava Finance, Inc (FL)

AVA XXXX XXXX  is reporting inaccurate information on my credit report. 
They state I missed a payment but payment was never late. 
they admitted they were having technical issues and the app did not allow me or notify me to make a payment. I have contacted them multiple times and they admit they are at fault but will not fix the inaccurate reporting. Please force them to fix their mistake
Consumer complaint received 2024-05-20
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: SYNCHRONY FINANCIAL (TX)

XXXX syncb/amazon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Hard inquiries that i didnt authorize
Consumer complaint received 2023-04-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (MO)

Rent Recovery has violated my consumer right by contining reporting inaccurate information to the credit bureaus. This accouhnt has been removed off my credit file numoerous of time but they keep re inserting information back on my credit acting as it is a new debt. I have asked this compant to remove the negative information that is damaging my credit and life.
Consumer complaint received 2024-05-17
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. (FL)

I reviewed my consumer reports and I notice that I have 1 late payment that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best their ability with Maximum Accuracy I have never been late for payments for the account Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$90.00} Open balance {$2000.00} Credit limit, Also as you can check with the XXXX XXXX XXXXXXXXXXXX, I ALWAYS had a automatic payment set up from my bank account. 
What I believed that could happened, a 2 months a go I was a victim of identity theft and some of my cards were hacked ( see FTC report Attached ), there was a purchased on my XXXX  XXXX XXXX account that was no me. 
I don't have {$90.00} dollars opened balance and I don't have late payments, my all my card the have automatic debit set up : since XXXX I have never miss a payment, and I never authorized to remove my auto pay. 
If proof cant be provided I DEMAND to these payments to be update to on time payments as they should be. 
thanks OVERVIEW Credit limit {$2000.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 100 % of payments on XXXX XXXX XXXX XXXX A XXXX XXXX XXXX A XXXX O XXXX D XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (IL)

I was unable to make a successful payment on my auto loan as of the statement of XX/XX/year>. This has caused Ford Motor Credit to accrue late fees, Submit a XXXX late payment, and a repossession on my credit report. I have continuously submitted payments that were returned on the account. As of sometime in XX/XX/year> the online access was revoked. 

I proceeded to contact Ford Credit. They told me to make a payment through XXXX XXXX or XXXX. I exercised that this was extremely convenient because of my work schedule. However, on my free time that was convenient I attempted to make the full payment at my earliest convenience. 

I then found out that the vehicle was repossessed on the morning in XX/XX/year>. This caused over {$1000.00} of fees to be added to account balance, me to take off work, and to travel over XXXX miles without my vehicle. 

I paid the balance in full immediately and still had to wait a business day to receive the vehicle. At the same time Ford Credit did not give me a solution to release the vehicle to a third party. I stated I was not available due to work. However, the repossession company gave me Ford Credits process to release the vehicle to the XXXX-party. I had to be on hold for a total of around XXXX hours. This was attempting to contact XXXX credit to make a payment, review the statement, retrieve the account number for payment, and request a third party release form. 

As of today, I have not received a statement since XXXX 2024. I do not have access to the online account. My credit report is reporting a XXXX late, a closed auto loan, an open and closed collection account, and a repossession.
Consumer complaint received 2024-01-19
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. (NY)

I am writing to file a formal complaint against TransUnion for the failure to conduct a reasonable reinvestigation into inaccuracies on my credit report, as per the Fair Credit Reporting Act ( FCRA ). My dispute, sent on XX/XX/XXXX, requested an investigation into the following items : 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 Additionally, I disputed two inquiries from XXXX on XX/XX/XXXX and two incorrect addresses on my credit report. To assist in verifying my identity, I enclosed a copy of my photo ID, social security card, and a recent bill reflecting my current address. 

However, I received a response from TransUnion stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

This response indicates a failure on TransUnion 's part to recognize a dispute initiated by the consumer, as mandated by the FCRA. The Act explicitly states that if the completeness or accuracy of any item in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

I am providing copies of my dispute letter and TransUnion 's response as proof of my attempts to rectify the inaccuracies on my credit report.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

Notice a few errors on my report so i send in a dispute letter telling them what is wrong with my consumer report. and asking the credit reporting agency to do a proper investigation. About a few accounts that is showing missing Data and incomplete report. only to have them send me stall letters telling me they receive my dispute but will not do anything about it. i also send in copy of my social and copy of my ID WITH ADDRESS. 
PLEASE SEE ATTACHED LETTER THEY SEND ME.
Consumer complaint received 2024-01-19
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. (VA)

I reported that a collection agency, XXXX XXXX XXXX was reporting my information that was over 12 years. I dont recognize the values since it was closed nearly 12 years ago but under fair reporting, this should not even be listed.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Hello, I reviewed my auto loan on my credit report and there are many inaccuracies, it shows for the months XXXX, XXXX, XXXX, and XXXX of XXXX, and XX/XX/XXXX that the payments were late, but i had payment extensions and payments made on that account that would show that the late payments are not accurate to be reported on my credit file. This has caused harm to me applying for credit and this needs to be removed completely. 
Account number : XXXX
Consumer complaint received 2024-05-07
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. (NC)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2024-01-19
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. (VA)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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 2024-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2018-09-15
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)

I have been writing to XXXX and Equifax since XX/XX/2017 regarding a CC bill from XXXX XXXX. The last collector for their account was XXXX XXXX, I have gotten a letter from them stating that due to the information that I have sent them they have closed the account but XXXX and Equifax still refuse to remove the charge from my credit report.
Consumer complaint received 2024-01-19
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. (HI)

15 USC 1681b : ( a ) In general : Consumer reporting agencies may furnish consumer reports under the following circumstances : In response to a court order or federal grand jury subpoena. 
In accordance with the written instructions of the consumer to whom it relates. 
To a person that the agency has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. 
To a person that the agency has reason to believe intends to use the information for employment purposes. 
In connection with the underwriting of insurance involving the consumer. 
In connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. 
For a legitimate business need in connection with a business transaction that is initiated by the consumer. 
To review an account to determine whether the consumer continues to meet the terms of the account. 
To determine a consumer 's eligibility for a pre-screened offer of credit. 
Practical Implications : Permissible Purposes : Consumer reports can be obtained and used only for specific and permissible purposes as outlined in the statute.

Written Consent : Consumer reporting agencies can provide a consumer report if they have the written instructions or consent of the consumer.

Credit Transactions : Information may be furnished to persons involved in credit transactions, including the extension of credit, review, or collection of an account.

Employment Purposes : Consumer reports may be used for employment purposes, such as in the hiring process, with the consent of the consumer.

Insurance Underwriting : Information may be used in connection with the underwriting of insurance involving the consumer.

Governmental Benefits : Consumer reports may be used to determine eligibility for licenses or other benefits granted by a governmental instrumentality.

Legitimate Business Need : Reports can be obtained for a legitimate business need in connection with a business transaction initiated by the consumer.

Account Review : Consumer reports may be used to review an account to determine if the consumer continues to meet the terms of the account.

Pre-Screened Offers : Reports can be accessed to determine a consumer 's eligibility for pre-screened offers of credit.

It's important for businesses and entities that request consumer reports to ensure they have a permissible purpose under the FCRA and comply with the law 's requirements. Consumers also have rights under the FCRA, including the right to know who has accessed their credit report and for what purpose.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (PA)

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 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 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've started sending out letters to Transunion, XXXX, and XXXX to review inaccurate information on my credit file since XX/XX/. I've went to simply asking to verify the account, to intending to file a complaint. I've just about had it and I need these items to be investigated immediately.
Consumer complaint received 2023-08-20
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: EQUIFAX, INC. (FL)

REF XXXX - EQUIFAX, XXXX AND XXXX DID NOT FIX THE REPORTING OF ACCOUNT ( XXXX XXXX XXXX XXXX XXXX MULTIPLE ATTEMPTS I HAVE SUBMITTED OVER A 12-MONTH PERIOD AND THE ACCOUNT IS STILL INCORRECTLY REPORTING. 

THIS IS AN FCRA VIOLATION, THE ACCOUNT MUST BE REMOVED. 

PAYMENT HISTORY VERSUS WHEN THE ACCOUNT WAS OPEN. SHOWS NO PAYMENTS BEING MADE. THE DELINQUENCY DATES ARE ALSO INCORRECT.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: VEROS CREDIT, LLC. (GA)

This debt collector engaged in XXXX, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.