davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
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. (NY)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

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 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My bank account ( both checking and savings ) with Bank of America was hacked and cleared out on XX/XX/XXXX. XX/XX/XXXX I called the bank of americas fraud department, they told me they were unable to do anything and I would have to go to the branch I use on Monday the XXXX. Monday the bank informed me that the money was moved to an investment account with Merrill lynch that was opened in my name fraudulently. I told Merrill lynch on XX/XX/XXXX to close the account that was open and they never did. Bank of America and Merrill lynch keep going back and forth on whos at fault. Merrill lynch started the fraud claim XX/XX/XXXX, we have yet to hear anything and it is impossible to get in contact with anyone in their fraud department. The fraud claim with bank of America was opened XX/XX/XXXX after they finally took responsibility. Bank of America denied the fraud claim due to the account being opened in my name and never closed. The address, phone number and signature that were used to open the Merrill lynch account was all incorrect and fraudulent. Bank of America is refusing to give us any provisional funds after almost 3 months of no answers. Bank of America claims they are unable to do anything until Merrill lynch can prove its a fraudulent account. Neither of them can even tell us where the money is. This is {$25000.00} in total that was taken.
Consumer complaint received 2024-05-15
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. (MS)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TATICS FROM EQUIFAX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (FL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX SECURITY FREEZE
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (CA)

At the beginning of XX/XX/XXXX, I received notification from Experian about an account that was added to my credit report as 60 days late. Upon speaking with Experian, I was informed that XXXX was reporting me two months late for an account ending in XXXX with a balance of {$7400.00}. 

I immediately contacted XXXX to find out more information about the account and was told : 1 ) The account was opened in XX/XX/XXXX XXXX ) The account was closed by XXXX for suspected fraud 3 ) There were no attempts to communicate about the account since XX/XX/XXXX. 
4 ) A fraud packet would be sent to me to sign and send back. 

I advised XXXX that a former employee was responsible for opening the account without my knowledge and that the former employee was currently incarcerated. I also advised XXXX that I was willing to pay for the balance owed, however the account was not utilized by me. 

I also informed the credit bureaus that the account was a fraudulent account and requested a dispute process to begin. Experian almost immediately removed the account from my credit report, however on XX/XX/XXXX it was placed back on my credit file as verified. 

I contacted XXXX again on XX/XX/XXXX to find out the status of the case as I have not received any documentation from XXXX as promised. A representative from XXXX let me know that XXXX determined the account as valid because there were payments made on the account from an account that was in my name and from a business account that I am the manager on. I advised the representative that there were multiple payments made from accounts at XXXX that were in my name and multiple disputes were filed with XXXX regarding other credit accounts where payments were made without my consent or knowledge. XXXX representative informed me that I did not send the requested documentation in to substantiate the case and as a result, they determined the account to be valid. 

However, I contacted Experian again and it was told to me that XXXX did receive the documentation as the bureaus sent it directly to them with the fraud dispute. XXXX received the FTC Affidavit and ignored it, told the bureaus that the account was valid and misrepresented the facts about having the documents to me. Their justification for verifying the account was based on them not receiving documentaiton however the credit bureaus sent the documents to them directly so they had them the entire time. 

I then spoke to another representative at XXXX who allowed me to make payment on the account to keep the account from reporting more late payments on my credit report, however I am not liable for the account..
Consumer complaint received 2024-04-26
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. (GA)

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SinglePoint GI (CA)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section XXXX o XXXX states I have the right to privacy ( 15 USC 1681 ( section XXXX XXXX XXXX a section XXXX ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late under any purpose
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-08-02
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
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: Bread Financial Holdings, Inc. (ME)

XX/XX/XXXX sent in full payment of {$69.00} and cleared my bank account on XX/XX/XXXX ( had never received a bill even for what was due on XX/XX/XXXX ) This bill had been set up months ago to be paid automatically as the same thing happened last year and I was just supposed to know it was due and then I got a late bill in XXXX of XXXX. So to resolve that moving forward, I sent in monies the end of XXXX. 

XX/XX/XXXX Receive a collections text and a phone call and despite sending in a screenshot the company was quite nasty and insisted that I still owe the now {$22.00} in extra charges. I told them no and I then found a message board to file a dispute after calling XXXX and complaining when I learned via this phone call they had a new service bank. 

XX/XX/XXXX Sent them a copy of the check front and back and showed them the account # that was credited ( it is different than my new # ( which I did not have until middle of XXXX when I received my overdue statement ) XX/XX/XXXX I am alerted that my credit score has dropped by XXXX points due to the reporting of this 'delinquent " account. I call them up and ask why is it being reported if the account is under dispute and they tell me once again, I will owe all late fees and finance charges regardless of when my {$69.00} is finally credited to the account. So from {$69.00} which was due XX/XX/XXXX and paid XXXX, my balance due increased to XXXX due on XX/XX/XXXX and is now at XXXX due on XX/XX/XXXX. They told me if I do not pay the extra XXXX by XX/XX/XXXX, they will add {$60.00} late fee and additional finance charges that will be due on XX/XX/XXXX and this will continue exponentially until I agree to pay their late fees. 

I do not owe them late fees or finance charges. As a consumer, I should have been sent information on a new account # and thus I could have had my funds going to the correct account when it was sent in on XX/XX/XXXX. But since my check cleared, it was credited and the funds have been received by Comenity Capital Bank. 

They are violating the law by reporting my account as delinquent while the account is under dispute and they investigate. I also strongly feel they are not supposed to be adding late fees to an account under dispute and demanding payment even when the account is eventually credited the {$69.00}.
Consumer complaint received 2023-08-01
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (MN)

On XX/XX/XXXX I sent a secure note to Mr Cooper requesting a copy of my original loan agreement again. They said I would hear back within XXXX business days. No response. Tried again on XX/XX/XXXX. They said would be in touch with me soon. XX/XX/XXXX messaged again. Same response as before. I called at the end of XXXX. I was told they could not find my documents and would have to send to another department to assist me. They said they would call or mail me when resolved. I have not heard back. In XX/XX/XXXX did a chat with a rep. He stated he too could not find my documents but " assured me '' I would get a notice along with my documentation. At this point I am POSITIVE we do not owe them money and they are just taking our payments.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I need your help regarding this incorrect account listed on my credit report. Ive brought this to your attention because its harming my reputation, and I need your support. Your poor management of my credit report has brought me significant trouble, and your inaccurate reporting has damaged my reputation. You need to correct these mistakes so I can live peacefully with my family.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In XXXX of XXXX, I noticed that I had received a Bank of America Statement that notified me that I had a negative balance on a Checking Account that I had not opened nor had I consented to open with Bank of America. I began tracing its origins and found an email from XX/XX/2023, at XXXX XXXX  that an " Online Application is in Progress '' and immediately after at XXXX XXXX  another email that " Your application was approved. '' On XX/XX/2023, I went to a Bank of America physical branch ( in person ) and asked an employee for help getting through to a customer service agent to help me learn more about this new account that I did not open. After talking to 2 different agents, in addition to the bank employee, I was finally redirected to the Fraud department. There was a case opened and they were supposed to close it without it affecting my credit score. As of now, the account is still open and I still receive paper statements over the mail. I have kept a close eye on my credit and have requested multiple credit reports throughout these months and nothing else has been opened. My conclusion is that Bank of America opened this account without my consent and has kept it open accumulating fees even after reporting it as fraud.
Consumer complaint received 2024-06-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (WA)

I didn't see exactly what apples to me it's kinda important so I am a veteran who did multiple deployments to XXXX this is important to know my last tour was XXXX my dad had specific power of attorney he did nothing with any thing I asked so I was told it automatically is void when our feet hit US soil.I am not pleased to share this but my dad and XXXX altered that power of attorney form and convinced a banker at the Wells Fargo XXXXXXXX XXXX XXXXXXXX XXXX I am guessing this was a friend of theirs because 16 years later that's how old the document was in XX/XX/2022 neither my dad or stepmom or Wells Fargo banker ask if they had my permission and why it had a white outed end date so they took many copies of copies to show it had no end date. The XXXX  is very strict and assure you not more than 12 months is the longest XXXX time without breaks by law. My credit is ruined it was XXXX getting my dad off my account they were rude and disrespectful to me I did what they said and type a written typed termination of power of attorney to my dad then they said it wasn't good enough, I am XXXX XXXX XXXX XXXX XXXXXXXX I am seeking for all money stolen for all unprofessional hatred I want justice to punish them the hardest anyone has got for similar offences, my dad already died of XXXX so that just leaves my step mom and the banker.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (IN)

I recently received a copy of my XXXX, XXXX, and XXXX credit report, and I noticed some late payments posted on my credit report : Place late accounts here : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual. 
Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

On XXXX XXXX I received XXXX notifications from Experian XXXX  the XXXX XXXX that all XXXX accounts wer paid and decreased. Also the credit score was deducted XXXX points pertaining to this new information. The XXXX loan has never been reported late it in negative status. 
The s Or should have sent up or remained the same. There were no ther visible or detailed information of any other changes to accounts at the time of the significantly drop of XXXX points to the score. Under the d ire when you click the see what changed it states that the s ire dropped for accounts being paid and the balance decreasing. The account is current and paid. There should not have been a drop in the s off pertaining to the student loan information.