davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

There are two problems- one problem which I thought Bank of America fixed due to their negligence in allowing a fraudulent account to be opened in my name led to the current problem with my business checking/money market account. in XX/XX/year> someone opened a deposit account with Bank of America in my name. I found out late XXXX when I received a bank statement in the mail from Bank of America. I also received a bank statement from them in XXXX with another account opened up after I had spoken with them that I did not authorize anyone to open an account in my name, and they assured me that it wont happen again and that they closed the account. the bank account listed several transactions along with a negative balance. I called their fraud department on the phone immediately and they were no help so I went to a local branch. the branch took me to XXXX of their small offices and put their fraud department on the line. they assured me that the account will be taken out of my name and that they will reverse the credit pull. they also assured me that I would not be responsible for any of the transactions and that this will never happen again. I thought everything was fine until today when I got a call from XXXX that they are closing my account due to derogatory fraud banking reported XXXX of last year. I called Bank of America today and they will not resolve the issue. They also notified me they charged off the balance that was fraudulently made when they allowed the scammer to open an account in my name without even proper verifying who they are to confirm identity. Fortunately, I still have all the documentation and the case number along with confirmation that they will remove any affiliation of this bank account from my name. I just dont know what to do. As of now, my business bank account is completely closed out, and I am not able to conduct business because of this.
Consumer complaint received 2024-01-17
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. (CT)

I AM A VICTIM OF ID THEFT FROM THE EQUIFAX DATA BREACH engagement number ( XXXX ). THESE FRAUDULENT ACCOUNT ARE DEMAGING MY NAME AND STOPPING ME FROM GETTING MY HOME.
Consumer complaint received 2024-05-09
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 sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they 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 : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2023-07-16
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. (OH)

In accordance with the fair credit Reporting Act XXXX Account # XXXX has Violated my right 's 15 USC 1681 Section 602 States I Have the right to Privacy 15 USC1681 Section 604 A Section 2 : It also States a Consumer Reporting Agency can not furnish a A account without my Written Instruction 's 15 USC 1666B : A Creditor may not treat a Payment on a credit card account under a open end Consumer Credit Plan as Late for any Purpose
Consumer complaint received 2024-05-09
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.this account is hurting my ability to obtain credit.Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account Iam asking you to verify as accurate account number XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (CA)

Please provide to me a copy of my written consent that I authorized the inquiries listed below and for the furnishment of an account in my Experian credit report pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX, XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 If you are unable to provide me with written documentation that I authorized the furnishment of this information on my credit report, please delete these accounts and inquiries, immediately.
Consumer complaint received 2024-04-18
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. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX  XXXX account # XXXX has violated my rights.

15 U.S.C 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 hand written instructions.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX kentucky XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account : XXXX Number XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my XXXX account, number : XXXX which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 
I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service (HI)

The company, XXXX XXXX, is writing fruadulent checks on my behalf using my signature by which I have not authorized. This is the second time they attempted to process the same check after I had a conversation with them on Monday and they affirmed they will not attempt to bill the account in any way, shape or form until the designee or department on behalf of the company that responds to CFPB inquiries contacts me. 

Yet today, they attempted to process the same check that I did not write which bounced the first time. 

This company will be reported to the FBI to incriminate the representative ( s ) who attempted to bill the account twice by writing a fraudulent check, even after a representative affirmed this would not take place again. This is fraud, period. I will be pursuing criminal charges and will report this issue to local law enforcement as well using forms designated by my financial institution. 

Furthermore, I will immediately pursue this with the Army and Air Force Exchange and federal administration divisions in the federal government in an attempt for the Army and Air Force Exchange to cancel their federal contract they have with XXXX. 

Additionally, I will submit to federal court a petition for a lawsuit against XXXX. I am legitimately in a financial crisis and the only income I receive is from being permanently and totally XXXX. The money they are attempting to take will literally have left us without food and electricity for 30 days with minor children who have medical needs. I am even in the process of attempting to get help to pay my electric bills through a community program and have this very well documented. 

XXXX has completely ignored my concerns and they will attempt to continue to bill by personal checking account with fraudulent checks. Other avenues must be pursued.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Complaint Against XXXX : Refusal to Remove Inaccurate Data I've submitted several requests for the removal of inaccurate information from my credit report. Despite being notified that the account was closed due to a creditor error, which resulted in the cancellation of the debt, XXXX has refused to delete the erroneous entry. I request immediate action to correct this issue.
Consumer complaint received 2023-05-03
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)

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 XXXX XXXX : 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 2024-05-09
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. (NY)

I am writing to dispute the validity of a collection account listed on my credit report. Pursuant to the provisions of the Privacy Act, specifically 15 USC 1681, I am formally requesting that you investigate and verify the accuracy of the information you are reporting to the credit bureaus. 

Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Creditor Name : XXXX XXXX  Account Number : XXXX Creditor Name : XXXX XXXX  Account Number : XXXX I am invoking my rights under 15 USC 1681, which states that individuals have the right to dispute information that they believe is inaccurate, incomplete, or misleading. I am requesting that you provide evidence to support the validity of this debt, including but not limited to : Documentation showing the original agreement between myself and the creditor. 
Proof of the amount owed, including a detailed breakdown of any fees or charges.

Verification of the date of first delinquency.
Consumer complaint received 2024-01-17
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. (OH)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-06-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC. (MS)

XXXX, your account with XXXXXXXX XXXX XXXX  XXXX. has been approved for 20 % off! 
View Account Details How this will effect my credit report? 
Choose your option below : Pay {$540.00} in up to XXXX payments 20 % off, that's a savings of {$130.00}! 
Most Popular One time payment of {$670.00} On total balance of {$670.00} Pay {$670.00} in up to XXXX payments XXXX XXXX XXXX XXXX XXXX XXXX company name Research shows they dont have authorization to collection a debt in Mississippi Also I would like this information. Cleared from my report
Consumer complaint received 2024-08-13
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. (OH)

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX XXXX XXXX {$220.00} Opened XX/XX/XXXX XXXX - XXXX XXXX - XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$15000.00} **Inquiries** I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (WA)

I applied for a XXXX XXXX XXXX Credit card and was denied credit because they couldn't verify my identity. 

I applied on XX/XX/2023 and did not get an instant approval. That day I had an XXXX credit score of XXXX. I called them the next day and they told me to wait for a letter from them. It said they needed more information. I got that letter in about 6 days and I called them back and gave them the information they requested. 

They wouldn't give me an approval over the phone and said to wait for a letter 4 days letter a letter arrived and it said I was denied because they couldn't verify my identity. 

At no time did anyone ask me two send them a copy of my identification all the while I had received two letters to my address on file, on my credit report, and what I provided to them. 

I called back and after talking to several people, they said they did their due diligence and I could reapply if I wanted to. My credit was pulled and I have a hard inquiry which they will not remove. I don't believe that Comenity Capital Bank, parent company for this credit card actually was offering credit. 

I have documention from the XXXX Credit Bureau that my credit was pulled and they also pulled identity information. Attached.
Consumer complaint received 2024-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I receive notice regarding a loan that my parents had prior to their death which I paid off however the bank is unable to find a record for that. 

Although Bank of America actually took me to court and lost in the judicial decision but at the time if you see the court records I put up the exact amount of the loan which was never repaid to me. 

Bank of America made two attempts one at the XXXX XXXX located in XXXX XXXX XXXX and unfortunately the power went off. 

The second attempt to remit the payment part of the judicial decision and that the loan could not go against my property at XXXX XXXX XXXX was attempted at the Bank of America located on XXXX in XXXX
Consumer complaint received 2023-03-22
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: NAVY FEDERAL CREDIT UNION (CA)

Inquiry1 : XXXX XXXX XXXXXXXX Inquiry 2 : Navy FCU XXXX Date:XXXXXXXX Inquiry 3 : Navy FCU, Date : XXXX  Inquiry 4 : Navy FCU, Date:XXXX Inquiry 5 : Navy FCU, Date:XXXX  Inquiry 6 : Navy FCU, Date:XXXX  Inquiry 7 : Navy FCU, Date:XXXX Inquiry 8 : Navy FCU, Date:XXXX  Inquiry 9 : XXXX, Date:XXXX Inquiry 10 : XXXX, Date:XXXX Inquiry 11 : XXXX Date:XXXX  Inquiry 12 : XXXX XXXX XXXX Date:XXXX I am Hereby Demanding Deletion to the Invalid information Showing on My 'Transunion ' Credit file. This is a violation Pursuant to My Fair Credit Reporting Act Section 1681b ( c ) a SERIOUS breach of my privacy rights.
Consumer complaint received 2024-05-09
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)

In accordance with the fair credit reporting act, The company FAIR COLLECTIONS & OUT account XXXX, has violated my right 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
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (IL)

XXXX XXXX XXXX has multiple purged bank closed accounts on my report. I filed a dispute to get this removed and stated that it was fraud with these bank accounts. The bank does not have them in their system anymore. This company is still causing me to not get into credit unions. They denied to remove these accounts thats closed. XXXX  XXXX XXXX checking account fraud inncondent XX/XX/XXXX open date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX open date XX/XX/XXXX closed XX/XX/XXXX purged account XXXX XXXX XXXX XXXX open date XX/XX/XXXX close date XX/XX/XXXX purged account Wells fargo central region open date XX/XX/XXXX closed on XX/XX/XXXX fraud purged account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX phone XXXX XXXX XXXX
Consumer complaint received 2024-05-09
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. (NV)

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate Under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such turnshe fre ago descriptiable ; by not later than 15 days after receiving a request from the Also, under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

Please send the following information used to validate the items below and show where I gave written permission to be on my credit report in the first place, otherwise delete them from my credit report immediately or I will seek monetary damages : XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # xxxxxxxxxxx XXXX XXXX account # XXXX