davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
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 (MD)

My cell phone was stolen on XX/XX/XXXX, the person who stole it made XXXX transactions to XXXX for the amount of {$9900.00}. 
I called the bank and they told me, they couldn't do anything because the transactions had been from my cell phone, I Told them that how was possible if XXXX don't let me send a lot of money.
Consumer complaint received 2024-05-21
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: Experian Information Solutions Inc. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-10
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)

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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Inaccurate and Unverifiable Tradeline To Whom It May Concern, I am writing to formally dispute an inaccurate and unverifiable tradeline appearing on my credit report for the third and final time before i file a lawsuit. The tradeline in question pertains to an account with XXXX XXXX XXXX XXXX, # XXXX, an entity with which I have never had any business relationship. This inclusion is a blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 18 U.S.C. 1028 ( a ), which prohibits the inclusion of unverifiable information and information obtained through identity theft on consumer reports. 

I have no knowledge of how XXXX XXXX XXXX XXXX obtained my personal information. The presence of this inaccurate information on my credit report is severely damaging my ability to obtain credit and other financial products and services.

Under the FCRA, I demand that you conduct an immediate investigation into this matter and remove the inaccurate tradeline from my credit report. Additionally, I request that you provide me with documentation verifying the information from XXXX XXXX XXXX XXXX within 15 days of this letter. Because i have requested this information on numerous occasions while disputing. If you are unable to verify the accuracy of this information, you are required to remove it from my report.

I have previously requested verification from XXXX XXXX XXXX XXXX, and they only provided copies of bills. I specifically requested the original application and the original address listed at the time of application, original signature, original identification, but these requests were not fulfilled. I am a victim of identity theft and have provided the necessary documentation to all four consumer reporting agencies from XXXX XXXX XXXX. Despite my numerous disputes, this account remains on my report.

I demand that this account be removed within 15 days of this letter. Failure to do so will result in my seeking punitive damages for the continued violations stemming from this erroneous tradeline on my consumer report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-21
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. (NC)

I am still receiving emails saying I am helping credit repair companies, which is not true. I send out the letters myself. 

Please fix this immediately, or I will have to take legal action. 

Here is the list of negative accounts and inquiries I want removed. 

XXXX : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/2023 Experian : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/2023 XXXX : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/2023
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

A charge off is considered a certificate of indebtedness, Which is considered income. income can not be reported onto credit reports. I have reached out to the company to remove the inaccurate date they are reporting on XX/XX/XXXX and they refused as per IRS guidelines The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate!
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion opened my information and have people posting trash on my record. Every fake, none sense and outdated account they presented for collection, TransUnion say sure, put it in. When I make a dispute, TransUnion denied my request, and said that they are his partner or the bills are correct as it is. For example, {$15000.00} from XXXX XXXX XXXX XXXX. I was I there for about two months and the apartment has snakes and molds, so I moved out with notice. And I notified the court of clerks. XXXX XXXX XXXX pretending that they got me evicted. I never received and eviction paperwork. I checked with the clerk of court, the clerk of court said they brought a paperwork for eviction, I was already moved out. Also, the clerk of court said the do not no about the lawsuits of {$15000.00}. The owner abuse his power to abused me. I hand up lost all the money from my saving, and my job to leave in motel as a homeless. I am seeking financial damages from TransUnion Again, a XXXX XXXX XXXX that closed due to data breaches. TransUnion help them post it so many time with a creation of new account number. I do not owe that debt. Someone else was shopping on my name while I was shopping for furniture online.
Consumer complaint received 2024-05-21
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. (MA)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2023-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST PORTFOLIO SERVICING INC (AZ)

I have made a previous complaint under XXXX to XXXX of XXXX regarding a credit card that was paid off to them in XXXX. They informed me they sold the debt to XXXX XXXX XXXX XXXX and the account was serviced by XXXX. This account should show as paid in full. The last balance was {$180.00} XXXX of XXXX and this was paid.
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2019, I made an inquiry as to complete balance due to close my Bank of America credit card. After a very lengthy call and insisting on my part, I received the attached fax with the payoff balance of {$3600.00} as of XX/XX/2019. It was a real issue just to get the fax as B of A refused to do so initially. I paid off the full amount of {$3600.00} on XX/XX/2019 as B of A 's online system showed. There was also a credit balance of {$18.00} which made no sense, so on XX/XX/XXXX, I sent a letter confirming once again that they were to close the credit card account, mark the account as closed by customer and that should have been the end of it. Apparently one department at B of A does not talk to another as I have now received a bill for {$18.00} and a letter dated XX/XX/2019 closing the account and saying I would receive a refund of {$18.00}. No refund has been made. 

I have no idea what B of A is doing and don't believe they do either. I just tried calling and after 15 minutes of automated was told to leave a message and someone would call back in 29 minutes. Of course that has not happened. 

Hopefully B of A will listen to you ....
Consumer complaint received 2024-04-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (GA)

On XXXX/XXXX/XXXX  I filed a complaint in reference to having a problem with my Mortgage payment of XX/XX/2024 not being posted to my Home Mortgage Account serviced by Selene Finance. Reference complaint : XXXX XXXX with CFPB. Selene Finance answered the complaint filed with CFPB at the above reference case number with an answer stating they posted the XX/XX/2024 payment on XX/XX/2024 and the complaint was closed as resolved. 

However, I received XXXX letters from Selene Finance dated XX/XX/2024 in reference to my loan as being in Loan Default for two delinquent payments. XX/XX/2024 and XX/XX/2024. Please be advised both XXXX and XXXX Payments have been received. 

The first letter stated I have been assigned to a single point of contact XXXX XXXX for my Loss Mitigation options to help me avoid the foreclosure process. 

The second letter I received on XX/XX/2024 dated XX/XX/2024 stated their records indicated that your loan is in default for XXXX payments which were due for XX/XX/2024 and XX/XX/2024 total late charges due XXXX total amount due is {$1100.00}. 

The XX/XX/2024 payment was received by Selene Finance on XX/XX/2024 and not posted until XX/XX/2024, however they did state in the response to the above case number that XX/XX/2024 payment was posted on XXXX/XXXX/XXXX. The XXXX XXXX was received on XX/XX/2024 for XX/XX/2024 and posted on XX/XX/2024. Both payments were made before the grace period ended not requiring a late charge. 

Why is my loan in Default when payments have been received and the next payment is not due until XX/XX/2024. 

Selene is creating a foreclosure resulting in additional fees. Due to their own error in not posting the XXXX payment when it was received in a timely manner causing fees to accure such as home inspections, etc. This starting to look like harassment its happening often resulting in the CFPD complaints. The mistakes the servicer is making is causing severe duress. I am looking forward to these matters being resolved and not occurring in the future. I look forward to some resolution before I lose my home due to their mistakes. I was told by customer service the migigation process was resolved. The complaint is being forwarded due to the Default letter.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-06-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (NY)

On XX/XX/22, I received notification that my credit card interest rate was increasing based on my FICO score recently received. I had not done anything that would prompt a change in my FICO score so I ordered my credit report to make sure there were no changes in my credit history. To my surprise, there was a collection item placed on my account. I immediately call the collection agency to confirm what the item was for and they indicated that I had an outstanding medical bill from last year. When I asked for the details, they had none. They just wanted to know if I wanted to " settle the account today ''. Not sure how anyone else handle their finances, but I don't dish out money without details. My concern is that the collection agency did not do their homework to confirm if the debt was legitimate prior to posting it to my credit report. As a result of this collection item my FICO score was significantly reduced and resulted in a 6 % rate increase to one of my credit cards. I have disputed the claim with the credit bureau and looking to get additional information to confirm the debt is outstanding. If it is legitimate, I will pay the debt however, I have a one important question for the company that submitted the debt to the collection agency. Why is the first point of contact for the debt from a collection agency?
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2024-05-21
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)

I am writing to express my concern and frustration regarding the emails I have been receiving from your bureaus, which incorrectly state that I am assisting credit repair companies. This is unequivocally false. I am the individual responsible for sending out my own letters.

I request that you take immediate action to rectify this situation. Failure to address this issue promptly will leave me no choice but to consider legal action.

Additionally, I have attached a list of negative accounts and inquiries that I would like to be removed from my credit report. 

XXXX : XXXX XXXX Account Number : XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$65.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$860.00} XX/XX/XXXX Experian : XXXX XXXX Account Number : XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$65.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$860.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
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: Experian Information Solutions Inc. (NY)

I am writing to file a formal complaint against Experian regarding their handling of a dispute I filed concerning inaccuracies on my credit report. Despite providing comprehensive evidence to support my claim, Experian has failed to conduct a proper investigation and rectify the errors in my credit file.I 'm not satisfied with the results of my investigation. I would like to know exactly how you went about investigating the accounts that I questioned. Please furnish the names of the individuals who stated that the information was verified along with any supporting documentation received to justify the accounts still reporting on my credit report. Again here are the accounts in question below. 

XXXX XXXX : Account number : XXXX, I have never had any business relationship with this company. Therefore, it's impossible for this account to belong to me. Please delete this account from my credit report. 

XXXX XXXX XXXX XXXX : Account number : XXXX, I have no recollection of authorizing this credit pull. I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX | XX/XX/2023 : Account number : XXXX, I have no recollection of authorizing this credit pull. I want it removed from my credit report IMMEDIATELY!

Please send me my full credit report along with what I have requested. If you are unable to complete what is requested. I am asking you to delete these accounts from my credit report and abide by my request.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX of 2024 I contacted Experian and XXXX, contesting the inclusion of an erroneous bankruptcy on my credit report. I was asking the agencies the method of their investigation. I received no response. According to 15 usc 1681a- ( e ) " mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information ''. According to 15 usc 1681 ( a ) ( 4 ) - '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMER 'S RIGHT TO PRIVACY '' This also is an infringement upon my right to privacy. Also, according to 15 U.S. Code 1681b ( a ) ( 2 ) -Permissible purposes of consumer reports " In accordance with the written instructions of the consumer to whom it relates. '' I have not given any written instructions to put any such information on my credit report.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

I had disputed transaction with XXXX for amount of {$1800.00} back in XX/XX/2022 due to never received service what I had agreed upon receiving it with " Chase '' credit card dispute department, and got a credit back on XX/XX/XXXX whilst they were investigating regitmicy of claim, it had been 3 month passed I had not heard from them regarding the result and found out transaction has been rebilled on XX/XX/2022 and received a letter saying the merchant provided documentation which that had nothing to do with the service I have not gotten received and I have to submit another written statement in order to reconsider to re open dispute. So I sent those written statement with more details communication between XXXX technicion which I had kept getting canceled on delivering services back on XXXX to Chase dispute department, had been waiting several month for a response back between paper mail and online communication center which l had not seen any response, I called them today ( XX/XX/2022 ) around XXXX and spoke to the customer service representive on dispute department and told they had send a notice to me which l had never received, they already closed the case which from the document provided from merchant demonstrating the goods I had ordered and they believed I already have received the service from the look of the service contract from the merchant. I asked to representative, as nature of the service contract it's normal they had itemized list of the goods I would have gotten serviced which it was garage door and opener but I have not gotten service nor seen a product, I told the agent I could even send the picture of my garage which never gotten the service, Agent did not want to help me out with any other option and advised me even if l re submitted claim which not it already has been passed windows for on going investigation and would not be able to guarantee for the other outcome. How this could be my fault or responsibility to pay for the service I had not received, or injustice has been done during the dispute process? I had been reaching out, tried to use proper channel to resolve an issue, I also have reached out to merchant, their coorperate phone line and personnel put me on a hold with the promise to transfer then hung up on me. I am very frustrated with Chase credit card service regarding how they handled the whole dispute transaction, and communication between them and customers. 
Thank you for your time. 
Hope to hear from you soon.