davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (OK)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2021-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

well I lost my home 2017 BOA Transfer my loans services to different loans services entities and this is last i have XXXX XXXX XXXX XXXXXXXX this company and BOA never want to WORK WITH ME so my home was sold and me and my family become XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I disputed a collection acct that was placed in my credit file on Monday, XX/XX/XXXX. I disputed it immediately because the collection company never notified me of this debt after speaking with them on Wednesday the XXXX. XXXX they told me I must pay the account for them to delete it. The original creditor XXXX cable owed me money. I never owed XXXX because they were overpaid. I had close the account and canceled services. XX/XX/XXXX were still taking payments out of my auto pay in XXXX and XX/XX/XXXX I demanded them to stop, they wait two months and never picked up the equipment and then bill me for the equipment a total of {$1800.00}, I returned the equipment at a mobile store of XXXX was given a receipt of return in XX/XX/XXXX. I was told at that point by XXXX customer service that my bill would be reduced to XXXX and I actually would be credited $ XXXX a payment that was not due to be paid, XXXX cleared the bill down to XXXX and then subsequently that started billing me again even though I was not an account holder I discussed this with the collections company I systems who told me that if I paid it, they would remove it from my credit file and send a letter to delete I had disputed this with Experian two days prior within three days they returned an investigation saying that they verify the information is correct. They never sent me any information on what they retrieved a violation of my credit act. They are required to not only investigated, but they are required to retrieve the information that was verified and send all of it to me, which theyve not done, they actually contacted. They wouldve known that the account was already paid off and settled. I am suing. XXXX and I filed a complaint with the attorney generals office in the state of Pennsylvania for having chased was never owed and Im filing for damages and damage the reputation of my otherwise pristine excellent credit. My prior score was XXXX and it dropped XXXX points because of this error.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-04-28
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CO)

I got an XXXX  XXXX and ultimately was offered a {$2000.00} loan from care credit / synchrony bank.. I accepted the loan at a 12 month 0 interest payment plan .. as time went on, the 12 months was up and all of a sudden I owe {$2600.00} after paying {$1600.00} because I apparently opted for minimum payment due on a 12 month term? But then they proceeded to tell me I called it in to change but would not provide me record of this call I had supposedly made, that is because I would never do that knowing I opted for a 0 % interest plan. I spoke to a foreign manager who proceeded to yell at me and would not help in any way, I was then stuck on a hold like for 3 hours knowingly that no one was going to pick my call up.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (WA)

15 U.S. Code 1681a - Definitions ; rules of construction ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

2 ) Exclusions. the term consumer report DOES NOT INCLUDE ( Definition of exclusions : refer to things or individuals deliberately left out or not included in ) ( Definition of Include : The term include means to contain something or to make something part of a whole. It involves incorporating or considering someone or something as part of ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definition of consumer : an individual Definition of person : The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
They are reporting a transaction and an experience which Congress states is not INCLUDED in my CONSUMER REPORT Their opinion does not matter the U.S federal law is the law and it clearly states transactions and experiences are not INCLUDED in my consumer report.

Delete the account off all my consumer reports immediately. 15 U.S. Code 1681- Congressional findings and statement of purpose They should not be reporting negative information about me to a company which Congress says Assumed a vital role and has the ability to damage my mental and financial life. This causes me not to be able to move forward with my life which is not ( fair ) and credit reporting has to be fair to me the consumer! Either way transactions and experiences I had with them are not included in my consumer report. 
SELF FINANCIAL is in violation of the federal law. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( up to {$1000.00} ) U.S. Code 1611- Criminal liability for willful and knowing violation ( up to {$5000.00} )
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had unauthorize charges on my account and the company held me liable because they said I didn't show urgency to get the problem resolved. I XXXX  XXXX XXXX and I run calls 9 hours a day. I have over XXXX running thru my account weekly sometimes and I tend to look over until it's time to file my taxes thats when I realized the unauthorized charges that I didn't authorize nor did I give anyone permission to access my account, I have included my ftc report for proof of identity theft. Account XXXX Claim ID XXXX and XXXX
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Clearview Resolution Services ()

Dear Officer, I recently found that my XXXX account was stolen and two ClearviewFCU MC Platinum Credit cards under my name have been added in my XXXX account, but the two credit cards are associated with identity theft and fraudulent applications, I have never applied any credit cards from ClearviewFCU. I have contacted ClearviewFCU to cancel the two cards but since I do not have any accounts with them, they were failed to verify my identity. I was wondering what should I do next to cancel the cards and if you could do anything to help. Thank you very much!
Consumer complaint received 2023-05-14
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. (CA)

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (FL)

Over the course of a few months many transactions were showing on my statement from a company named " XXXX XXXX XXXX ''. 

Upon noticing these charges I instantly started to do research to understand what this was or where it came from. I personally had no recollection of this transaction. 

The following are the charges listed in this order : Transaction Date Post Date Reference No. 
Description Amount XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX {$800.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX {$800.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX {$800.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX TX {$830.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$77.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX {$1500.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} Upon trying to contact the company at no accord I then proceeded to dispute the transactions with my credit card issuing bank Navy Federal Credit Union. 

The date of the original dispute was XX/XX/XXXX. 
XX/XX/XXXX which I have emails for. 

I was asked to submit any documentation I could obtain which I did. 

The company which was charging my card, XXXX XXXXXXXX XXXX, was no longer in business, as everything I could find red flags them as a Fraudulent, and Scam. 
Apparently over XXXX people were targeting equally as such and many took losses assuming they were going to receive a product which never arrived. 

After a few days, I received an email stating the dispute was not granted due to me not supplying enough information. The issue is, there's not much I would be able to supply, as I was disputing a fraudlent transaction. 
I had not received anything from this company and had zero validation of this transaction in my emails.

A while passed and I noticed the credits were taken back and I was left to pay these amounts that I don't believe I should be left to pay for a scam.

I then contacted Navy Federal Once again, and notified them this company was irrefutable, and officially closed and had several class action law suits against them for being a scam site, yet why would I pay for something that's not legal. 

I was told to appeal the claim, which I then proceeded to do once again, on XX/XX/XXXX since they took time to deal with the original dispute, and by the time I noticed and reviewed my statements, I realized I was never allowed the original credits. 

Now im being told, the time frame to dispute the charges has passed as it's been over 120 days and there's nothing left the bank can do.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX has been reporting to all XXXX bureaus inaccurate payment history showing my date of default to be both XX/XX/XXXX and XX/XX/XXXX when it was actually several months prior, also this Open-Ended account was closed past the State of Alabama Code Section 6-2-37 XXXX XXXX ) XXXX allowance causing the balance to be incorrect as well. 

The original date of default being extended inaccuratly was intentional and set in place to supress my credit perventing me from making a home purchase.
Consumer complaint received 2023-09-21
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: NEW YORK COMMUNITY BANCORP INC (FL)

I believe that this account was associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
FLAGSTAR BANK , N.A . XXXX. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law
Consumer complaint received 2023-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/23 I disputed information and provided proof of identity theft snd proof of address I have also supplied identity theft affidavits address affidavits as well with said companies XXXX XXXX XXXX Transuion These companies failed to protect my consumer rights and also violated section 605b of the fair credit report act /penal code they have also failed to thoroughly verify fraudulent accounts I have filed a legal suit against the above stated companies I requested that the companies provide proof and documentation as to how they verified the said collections and inquiries on my personal credit report below are the fraudulent Accounts and inquiries from each company Transuion XXXX XXXX they gave
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION (NY)

XXXX Bank has opened an account with my name three times in the past year never once doing any kind of background check or credit checks I now have to pay for service that alerted me an account was opened, and this time I was able to stop the account from continuing. 
My complaint is that this M & T bank has lack of security, and has hackers opening accounts Without any repercussions
Consumer complaint received 2024-02-27
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. (NJ)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (IL)

We have previously filed a Complaint with the Consumer Financial Protection Bureau ( Case # XXXX ), in which we outlined how funds were stolen from our checking and savings accounts at Huntington Bank in XXXX of 2023. This morning an individual went to a branch of Huntington Bank and again fraudulently withdrew {$4000.00} from our checking account. This is despite the fact that a note was supposed to be placed on our accounts that all withdrawals should be verified with XXXX pieces of identification and also despite the fact that the individuals who withdrew the funds this morning did not have our new account number, so this number must have been provided to them by an employee at the Huntington branch. 
While we have finally received the {$1900.00} stolen from our Checking account in XXXX of this year, we have still not been reimbursed for the {$1500.00} stolen from our Savings account at the same time, and now an additional {$4000.00} has been stolen from our new checking account. We have been advised that a Huntington District Manager is looking into this matter but we have yet to hear from anyone at Huntington about how this matter will be resolved.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. the XXXX credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX XXXX : {$530.00} XXXX XXXX XXXX XXXX Balance : {$610.00}
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-12-21
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Slovin & Associates Co., LPA (OH)

I received a letter about a debt for " damages '' from Slovin and Associates I called to inquire and tell them how XXXX XXXX has failed to provide me itemized recipepts of damages and that I believe it to be frivolous and retaliations and would like to see proof before paying and that I have reached out to XXXX and their other collections company consumer collections multiple times over two years and have only been given a lease and still no proof. 
I was told to email this to them They never responded to me and I was then summoned by the court the next week. 
They still haven't responded to me and now we have to have a court date hopefully they will have some proof for that.
Consumer complaint received 2024-04-28
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. (TX)

There is an Inquiry from XX/XX/XXXX that I do not recall. 
15 U.S. Code 1681b - Permissible purposes of consumer reports Privacy Act of 1974