davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed claims with BofA XXXX prepaid claims Dept. On or about XX/XX/2023 is when I 1st received a debt card from BofA for the 1st time. I've never before have gotten any card or cards from BofA EDD prepaid Dept.i downloaded the BofA prepaid App on my phone. As I scroll through the app, I notice the transaction on the transaction history that there was deposits that I never used. So I requested copies of transaction history to be sent to me. I come to realized that I never received or used any funds that's showing on the statement. So I contacted BofA and let them know about this problems. They denied all my claims.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I sent a man named XXXX {$1200.00} in exchange for a bundle of clothes. I never received this bundle. After a couple weeks of purchasing this bundle, and nothing has showed up, I contacted him to ask where it was. He claimed he had shipped it with XXXX, but when I ran the tracking number, he gave me the XXXX system told me that this number did not exist. I kept contacting him to ask for any updates, but eventually he stopped responding. I went into my bank, which is Chase and asked if they could do anything and they said that they would contact XXXX but theres pretty much nothing they could do.
Consumer complaint received 2023-08-28
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: LEXISNEXIS (NY)

XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or 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 on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency
if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-08
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. (MD)

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 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

There were several transactions which were not mine. I disputed these transactions and went into the bank in person and let them know that I was not the person who transacted or received what was bought with my bank account. I was chased into the bank by a XXXX XXXX  while another XXXX woman was outside in the parking lot and standing, watching the ATM machine with her camera phone. I took a photo of the woman watching the ATM machine with her camera phone, and they started chasing me. I could not use the ATM because of them and they chased me into the bank. The XXXX called the police, XXXX police department never showed up. I waited for an hour. This was in XXXX, New York XXXX XXXX being the city nearest. The location was on XXXX XXXX. The transactions totaled more than the balance which is currently sent to collection. There were many items which were never delivered, there were also payments made for my car, electricity, and other services that the companies never received at all. The money was deducted from my account and the bank has refused to send me my XXXX statement, I also need statements for the other months. The bank has continued to say that it is duplicate complaint, I have lost a lot of money now, and this is no duplicate.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. I have provided documents that can prove it.

By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, Please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Account XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a collections account that has been negatively affecting my credit report and causing me undue stress. The collections account in question is identified as " XXXX XXXX XXXX XXXXXXXX, '' and I believe it has been erroneously reported on my credit report. I have taken steps to contact the credit bureaus in an attempt to rectify this situation, but the issue persists. I became aware of the collections account " XXXX XXXX XXXX XXXX '' when I reviewed my credit report. To my astonishment, this account was negatively impacting my credit score, and I had no prior knowledge of its existence. The account in question has significantly affected my ability to secure favorable financing terms, obtain credit, and achieve my financial goals. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received adequate verification of the debt 's legitimacy, and the collections account continues to damage my creditworthiness unfairly.
Consumer complaint received 2024-05-17
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-08
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. (FL)

I dont recognize how these accounts are reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
This does not follow FCRA under 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) ,15 U.S.C.1681,15 U.S.C 1681A, 15 U.S.C 1681b, 15 U.S.C.1681i, 15 U.S.C. 1681n.

1.Account name XXXX XXXX XXXX Also known as XXXX XXXX XXXX Account number XXXX Account type Collection 2XXXX XXXX Account number XXXX Account type Debt Buyer This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
3.XXXX, XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
4.XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Under 15 U.S.C.1681 my rights have been violated.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report.
Consumer complaint received 2023-12-08
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)

Recently, on XX/XX/2023 I did another investigation on my credit report and realized that there were several inaccuracies, invalidated and unverifiable items that the credit bureau agency is reporting. 

Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of their reported claims. Their failure to remove these claims is a violation of my consumer rights and is unjust. 

The credit reporting agencies are either not responding or stating that these were investigated and verified. Again, they're several inaccuracies still showing on my credit report and in some cases have been removed and then reinserted causing me to lose housing opportunities and from obtaining credit. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C. 1681e ( b ) and 15 U.S.C 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-08-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST NATIONAL BANK OF OMAHA (WI)

In good faith I opened via their mobile a savings account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX only later to learn that my application was denied : " We're Sorry. Unfortunately, we're unable to approve your request for an account because it did not meet our bank 's requirements. These requirements include but are not limited to identity verification. We did not perform a credit check and your credit was not a factor in this decision. We appreciate you considering us for your banking needs. '' I then sent an email to : XXXX asking if they could please tell me what on the application is causing this denial to a no minimum balance savings account that I wish to open and what do I need to do in order to get this resolved? I then get this automated reply : At XXXX, we consider a variety of factors to determine account eligibility. We understand that you might be curious what these factors are but, for security reasons, we can't share the complete list of criteria we use. Maintaining the security and confidentiality of our evaluation methods is very important to us and our aim is to ensure fairness and equality in the assessment process for all of our applicants. Which did not answer the question. Could you please assist me?
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I requested via XXXX XXXX that TransUnion remove the following : XXXX XXXX XXXX Last reported XX/XX/2023 {$6300.00} Open balance XXXX XXXX  does not provide a record of disputes to show proof of an accurate date for the 1st dispute for a fraudulent account. Upon noticing this, the 2nd dispute I photographed on XX/XX/2023. No action was taken nor a resolution given to me by either company. 

After XXXX separate disputes, XXXX for fraudulent account as well as an additional dispute for litigation against this account this account still reflects as accurate on my credit report. This is a violation of my personal privacy as well as my rights as a United States Citizen under [ 15 U.S.C. 1681 ].
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX P XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

accordance to the fair credit reporting act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the rights to privacy, 15 U.S.C. 1681 section 604 ( a ) section 2 also states consumer reporting agency can not furnish an account without my wriiten instruction, under 15 U.S.C. 1666 ( b ) a creditor may not treat payment on a credit card under a open and consumer or credit plan as late.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-08
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. (IL)

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (GA)

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX AV XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$580.00}, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$790.00}, XXXX XXXX ( Original Creditor : SXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$1900.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (IN)

Im the cosigner on a XXXX XXXXXXXX XXXX XXXXI cosigned last XXXX and this company reported a payment over 30 days late. On numerous occassions i told them since i was the grantor of the loan for payments when not made by purchaser I was guaranteeing the monthly payment of XXXX. I wanted to be notified even if a day late plus receive monthly statements .They said no problem and would do it never received notice for any missing payments and i made one in XXXX when it gave me notice on credit monitoring. I made the paynent and told them to plesse notify me by phone text or mail. They send me emails about howvdo i like service but cant send me one when its late and they intentionality make sure im not notified and it goes in default. My credit score was over XXXX when i guranteed the payment. The two days yhey reported late i was hit for XXXX points. I dont get any statements and they intentionality made it late without notifying me. A payment was deferred in XXXX. The initial buyer who i cosigned for set up withdrawls from her bank account bi weekly and to apply it on the due date. They didnt do it by weekly they did it either 5 days before or after due date.as grantor of this loan to not be notified is fraud on there part for they forced it into being late without any notifications to me. They didnt deny my ability to pay wheni called to inquire. I cant Force the buyer to turn in if she cant afford but cant maje payments if im not made aware of delinquency. I dont ike there whole way XXXX  Financial services handled this loan and the many problems we have had.
Consumer complaint received 2019-04-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC (IN)

I have tried to refinance my property through XXXX. While trying to refinance XXXX advised me that Ditech Financial LLC has a Lein against my property for a second mortgage that was paid in full on XX/XX/XXXX. I have attempted to get this resolved with Ditech since XX/XX/XXXX. I have made calls to Ditech, sent E-mails and letters to their company with documents proving that I have paid this second mortgage in full. Now I have lost {$1100.00} because of Ditech holding an Illegal Lein against my property. Ditech 's so called Customer service has not contacted me in any way to get this resolved. My next action will be to retain a Lawyer an file a Lawsuit against Ditech Financial LLC. Because Ditech is Illegally holding a Lein against my property, I can not Sell, Refinance or get a second mortgage on my property. Ditech owes me {$1100.00} so far in damages. Do not repeat do not get a mortgage through Ditech!!!
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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