davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I got scammed out of a check deposit I known nothing about. I checked my bank account on XX/XX/XXXX & seen it was a check deposited in my account on XX/XX/XXXX. I also made payments while the check was in there. I do not give my information to no one. I feel somebody stole my information some type of way because the check states my name on the mobile deposit.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (FL)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I was a victum of fraud I tried contacting both parties to resolve this issue but received no help. 

Contributor XXXX XXXX XXXX XXXX XXXX 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 : States a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) : 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 ) : States 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 2023-10-12
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. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-05-24
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. (CA)

I'm resubmitting my dispute letter due to lack of resolutions or actions. Again, YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.
Consumer complaint received 2024-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

Under the doctrine Estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX I XXXX presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted credence resource management on a matter that pertains to my credit. I have been a victim of fraud. I sent credence resource management a certified letter via XXXX to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked credence resource management to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via XXXX certified. Removing this account from all three credit bureaus ( XXXX, XXXX XXXXXXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay credence resource management and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe credence resource management. You can not because this is not my debt nor do I owe credit resource management anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM CREDENCE RESOURCE MANAGEMENT NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!
Consumer complaint received 2024-04-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Hayt, Hayt & Landau, LLC (PA)

I have been on payment plans for years and realized their amount did not match my amount. So I contacted the agency XX/XX/24 and was told they could not provide me any court documents or any paperwork with my debit and what was originally owed. But they said the court tacked on XXXX  % percent interest. So I stopped payments and then was told they could only give me a paper showing me how much I paid into it. I tried disputing when I was originally contacted and given the response i owed, but I had to hurry and move and buy a house so I paid. I was never once provided paperwork or court paperwork. I believe my rights where violated and didn't think I had any choice but to pay.
Consumer complaint received 2023-09-22
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: GOLDMAN SACHS BANK USA (MA)

Someone opened a credit card using my identity back in XX/XX/2023. The card was for XXXX XXXX and issued by General Motors. I filed a dispute online with all 3 credit bureaus back in XXXX once I saw the fraudulent account. After they investigated, they reflected the card was closed by grantor. Now, they my credit score is tanking because they're reporting that I'm 60 days late on payment for it! I did not initiate application for that card whatsoever! How can my credit be ruined by a closed account that wasn't mine in the first place?! My scores were in the low XXXX 's! Now their in the XXXX 's! Please look into this as it's killing my excellent credit. I'm XXXX XXXX XXXX and have excellent credit. I want the bureaus to restore my reports to what they were prior to the reporting of that fraudulent account. Thank you kindly.
Consumer complaint received 2024-09-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Tally Technologies (CT)

Tally is closing operations and without warning or proper notice has suddenly handed off all lines of credit to a third party that does not look legitimate or secure. 
" On XX/XX/year>, the servicing of your Tally line of credit will transfer to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' I do not agree with this loan servicer and I do not trust their operations - their reviews, ratings and company website do not look healthy or secure in any way. 

In addition, this variable line of credit I have with Tally is being converted without my agreement to a flat-rate loan that I did not agree to, which will not show up on my credit score as a full loan. I can't even pay anything until XXXX provides login info for it's site which has not been done yet. 

I want an out from this horrible situation through a more legitimate loan servicer that I can trust at a flat rate that is disclosed to me. Nothing has been spelled out clearly through any of this process.
Consumer complaint received 2024-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

My application to change to a XXXX repayment plan has been in process for months without a response. Now I have been put in administrative forbearance without further information. I have tried calling MOHELA and they have put me on hold for hours.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I am submitting this report because unauthorized accounts have been opened in my name twice in the last 8 months at Bank of America. The first incident happened in XXXX, 2022. The most recent incident happened at XXXX ( EST ) this morning. 

In both cases I received several emails letting me know a new account was applied for and ultimately approved in my name. The first time was a mess to get resolved but Bank of America did eventually send me a letter indicating they agreed the account was fraud. This time I had a better idea who to talk to and what to ask for. The account is closed and I am supposed to either get another letter indicating this was also fraud, or they will contact with any follow-up questions within 2 weeks. As with last time, it was challenging to get them to say they would send a letter as they didn't seem to understand why I wanted it. 

In both cases I caught the account opening before any transactions took place. I had a mortgage with Bank of America years ago so they do have my info on file. The first time I assumed my info was compromised somewhere. I've received no alerts through my id protection or any credit agency, but now that it's happened again at the same bank I wanted to file an official report with the CFPB. I've only provided specific documents relating to the current issue, not the identical incident 8 months ago. I'd be happy to provide more details on the previous incident if needed.
Consumer complaint received 2024-08-13
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. (FL)

Hi, I'm submitting this complaint because I have nowhere to turn to! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 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 Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I would like to dispute the following inaccurate items that are on my credit report. I have sent letters to Equifax, XXXX and XXXX and they have not acknowledged my disputes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
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)

To whom it may concern : I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. 
According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the XXXX XXXX reporting standard.I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you XXXX  days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX  ( XXXX ) - ( XXXX ) XX/XX/2022 Inquiries XXXX XX/XX/2022 Equifax The credit reporting company is not allowed to release my credit report to anyone without my permission, for the purpose of extending credit. The U.S. Code states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. If the credit reporting company can't provide proof that I applied for credit with that company, then they need to delete the alleged inquiries immediately.
Consumer complaint received 2024-09-05
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. (TX)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIRST MERCHANTS CORPORATION (AR)

Starting from XX/XX/year>, I made endless calls to First Merchants Bank ( Ohio ) requesting to close my checking account. Initially, the manager said that the account would be closed soon. Then, in late XXXX, they requested a notarized letter. I sent the notarized letter to the XXXX XXXX XXXX First Merchants Bank. 

One manager confirmed that he received the physical letter and that he would close my account soon. I waited several weeks after that, only finding that the account was not closed. I called the branch many more times, and they said that the specific manager who received the notarized letter no longer worked in the branch and that the other managers would not locate the notarized letter. However, they added that since they indeed received the letter before, they would still go ahead and close my account. I waited another two months. During this two-month period, I called the bank so many times, and each time, I was told that the account would be closed soon. In fact, the account did not get closed during the two-month period. I called the branch again, and at that time, they mentioned that I just needed to sign a Request for Early Charge Off of a Deposit Account form. I immediately signed the form and returned the form to the manager. They finally received the form and said that my account would be closed soon. Then, in early XXXX, I found that the account was still not closed. I called the branch again, and the manager assured me many times that the account would be very definitely closed in the coming week or at the latest in the third week of XXXX. 

I waited for another two months. In XXXX. I checked online and found that the checking account was still open. I called the branch again twice in XXXX. They said that as long as I could send a secure message from my online banking requesting the checking account, the account would be closed soon. I sent the secure message right away and waited for several days. The account was still not closed. I called the branch again and finally talked to a higher-level manager. The higher-level manager said that I would need to send them a notarized letter again since they could not find the previous notarized letter. She said that once she receives the letter, she will close the account. I have sent the required notarized letter using USPS-certified mail. 

On XX/XX/year>, the higher-level manager called me and mentioned that she just closed my account.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am having a problem with my XXXX loan provider XXXX XXXX. I am in XXXX and I am a XXXX XXXX. I have told them I am in XXXX. I have mailed them deferment letter. I have uploaded the deferment letter. I have called them. They insist I am past due when I am XXXX XXXX XXXX XXXX. They have reported me to the credit bureau and destroying my credit,
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX  XXXX XXXX Balance : {$880.00} and XXXX  XXXX XXXX Balance : {$720.00}. Please delete these accounts ASAP.
Consumer complaint received 2024-04-22
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. (IL)

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 : # XXXX, XXXX : XXXX XXXX, XXXX XXXX : # XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-17
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. (GA)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX and 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 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX XXXX. 
I am an active branch member of the XXXX XXXX. 
Seeking assistance in removing inquiries that have not been approved by me. 
Tried contacting these creditors with my limited available time. Some do not show me in their system, and others unable to reach anyone without being placed on hold for almost one hour. 

The creditors below have pulled my credit without my consent. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you.
Consumer complaint received 2024-08-17
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. (GA)

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 XXXX Account Number : XXXX and 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.