davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was issued a check on XX/XX/2024 by XXXX XXXX XXXX as a part of closing on a home. My credit card balance with Bank of America was added on to closing costs, and I was reimbursed with a check that would pay off the balance. The check was made out to " Bank of America '' for {$220.00}. I mailed the check to the bank on XX/XX/XXXX from my local post office but it was stolen in transit ( confirmed by both the bank and the XXXX ). The check was cashed at a Bank of America XXXX under someone else 's name on XX/XX/XXXX. I have reached out to Bank of America several times as well as XXXX XXXX XXXX and their bank, XXXX XXXX. Bank of America claims that XXXX XXXX is responsible for this and XXXX XXXX claims that Bank of America is responsible for this. I can not seem to get a resolution from either side. I also have all of the banking information from the fraudulent bank account ( which is a Bank of America account ) that is endorsed on the back of the digital copy of the check. Bank of America will not look up the bank account because of privacy concerns. I have filed multiple complaints and reports with the XXXX XXXX and the bank.
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (TX)

***This is not a duplicate***This case is pertaining the harm NationStar has caused by not securing my account as requested, Yet the lack of support to clear the harm that they allowed by a lack of security on my account. 

I have provided evidence ( which were provided to me by NationStar ) that there were fraud activities caused on this account, yet NationStar response with a generic response that they performed an " investigation '' and that the fraud activities on this account did not accord. They provided the evidence on the XXXX documents that they provided. There are also other evidence, but NationStar refuses to provide those documents to me. Yet, NationStar refuses to clear the harm by removing the negative delinquents remarks on my credit file caused out of fraud activities. It is repetitive their routine of doing an investigation and providing the same responses without looking into their investigation. Yet the damages are still not cleared. 

This has caused harm to me. 

Attached are : -A forfeit letter written by my tenant XXXX XXXX XXXX The number on this letter is XXXX XXXX 's cell phone number and it was faxed from her job. This letter was not written by me nor did I grant authorization to my account to no one. Someone pretending to be me, writing a letter as if she was me is Identity Theft and considered as Fraud. This document was given to me by NationStar and it 's on their archives. 
- A loan modification. This was done by XXXX XXXX as well by contacting the " Making Home Affordable '' department at NationStar. This was done with NationStar lack of security which allowed someone other than me to make a modification to my loan. If you reference page XXXX, This was fax by XXXX XXXX from her place of work. Again, forfeiting my signature and pretending to be me is Fraud. This document was also given to me by NationStar and it 's on their archives. 
-Federal Trade Commission Identity Theft-XXXX County Police Department reportDue to a lack of security, NationStar allowed someone to gain authorization and compromise my account and cause harm to me and my credit. She was able to change my contact information to her contact information and then go delinquent on the account. 

This was done without my awareness or consent, and it 's now causing harm to me and my credit. Fraud Activities were caused on my account and I need the harm caused removed from my credit files.
Consumer complaint received 2023-02-13
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 my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-07-22
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: FactorTrust, Inc. (CA)

I am fortunate to be a survivor of debt bondage, a form of XXXX XXXX XXXXhat coerced me into accumulating debts. Unfortunately, this has resulted in derogatory marks on my credit report. I am currently receiving invaluable assistance from a representative at the XXXX XXXX, an organization devoted to aiding XXXX  XXXX  survivors. Together, we are utilizing Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to remove adverse information related to XXXX  upon the filing of an official claim.
Consumer complaint received 2024-07-18
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: TRUIST FINANCIAL CORPORATION (NV)

I am writing to bring to your attention a concerning issue regarding inaccurate information on my credit report that I have been diligently trying to correct. Despite my repeated efforts to dispute and rectify this misinformation, it continues to be verified as accurate by the credit reporting agencies. 

I have followed the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ) by submitting detailed disputes with supporting documentation to the credit bureaus. However, the inaccurate information persists, negatively impacting my creditworthiness and financial standing. 

I am seeking your assistance in investigating this matter further and ensuring that my credit report reflects only accurate and up-to-date information. I believe that the continued verification of this erroneous data is a violation of my rights under the FCRA, and I am hopeful that the CFPB can help me resolve this issue promptly. 

Thank you for your attention to this matter, and I look forward to your assistance in correcting this persistent error on my credit report.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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 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 2024-06-04
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: EQUIFAX, 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 2024-06-04
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: EQUIFAX, INC. (NV)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

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 XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have been a victim of identity theft. There are several inquiries and accounts that were opened fraudulently that I didn't authorize. Additional inquiries, XXXX XXXX XXXX, XXXX, XXXX, XXXX dated XX/XX/2022. In accordance with the Fair Credit Reporting Act XXXX Account ( XXXX Transunion, XXXX ) has violated my rights. 15U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.SC 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please have inquires removed from my credit file because it is making it very difficult for me to acquire credit. Thanking you in advance.
Consumer complaint received 2023-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to exercise my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and hereby request to opt out of any and all authorization for inquiries on my credit report, except those that fall under permissible purposes as defined by the FCRA. 
According to the FCRA, permissible purposes include specific categories for which entities can access and use consumer credit information. However, I am revoking any consent that may have allowed you or any authorized entities to access my credit report for purposes other than those permissible under the FCRA. 

For the following 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 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 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 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 2024-06-04
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: EQUIFAX, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-10
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. (CA)

My information was included in XXXX XXXX data breaches. XXXX removed my military service information in the United States XXXX from my credit report. They are not reporting correct information. I have filed several CFPB ( XXXX. XXXX with supporting documentation ) report regarding my address. 

Also, TransUnion added an old address to my credit report, yesterday without my consent. 

Re : XXXX, Metro 2, E-Oscar and Regulatory Compliance : My credit report must be accurate because it has an impact on my livelihood. 

I have had to relocate frequently due to an ongoing threat posed by an extensive network enterprise of extremist individuals who are associated with multiple organizations. They have been engaged in a campaign of terrorism and criminal harassment directed towards my household, which includes activities such as HIPAA violations and violations of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act. As a military veteran, I value my privacy and do not wish to be bothered. However, for years, multiple groups with their own political and religious ideologies, as well as corrupt corporations, have been bothering me both online and at my residence. Their deliberate actions have disturbed the peace of not only myself but also my children. I want to emphasize that I do not want to be involved in any unnecessary drama. I simply want to live my life peacefully, and I want my children to enjoy the remaining years of their childhood without any interference. It is disheartening and appalling to witness how selfish individuals believe they are entitled to abuse the system and ruin the lives of others. Such behavior is unequivocally wrong and should not be tolerated. 

Make sure my contact information is correct on my Veteran Credit Reports and only allow senior executives to access and make changes to my credit report.
Consumer complaint received 2015-11-12
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (VA)

XX/XX/XXXX on flight XXXX # XXXX my husband and I applied for the XXXX XXXX XXXX card. We were told by the stewardess, the offer was we spend {$1000.00} each within the first 3 months we would each receive XXXX free miles.Over the past few months, we have made several telephone calls to both Citi and XXXX. We were told to wait for the miles to appear on our statements XX/XX/XXXX. Recently, we called were told we are not eligible for the offer as it had changed.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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 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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

An account from XXXX  is still on my credit report and all 3 bureaus. It appears closed on XXXX and paid in Experian and XXXX which is inaccurate. This appears as XXXX card.
Consumer complaint received 2023-11-16
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (AL)

During the year of XXXX, I was evicted from my apartment with XXXX XXXX XXXX. My eviction was due to none payment of rent, however, I was ill from XXXX XXXX and was placed out of work for 3 weeks. Unable to make payment arrangements with the landlord, they filed an eviction although they had never had issues with me not paying my rent before. When I offered to pay half they declined the offer. By XXXX XXXX XXXX  I was out of the apartment. When we went to court, it was agreed that I vacated the premises and no damages would be filed. Per my court orders, no damages were filed and no monies were being requested to pay. That is until the year of XXXX  in XXXX, a collection was placed on my account for a debt owed by XXXX XXXX XXXX  although the court order stated no judgment would be owed. Why would a company wait nearly 3 years to place such a debt on my credit, making me ineligible to get another rental property? This is unfair treatment, especially given the times we are currently living in. There must be something more that can be done to put an end to big corporations causing disruption and hardship to individuals such as myself.
Consumer complaint received 2023-12-09
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. (NC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX has violated my rights. 


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  XXXX5 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 an 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX