davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Dear XXXX, XXXX AND OR XXXX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are not accurate for the following items : Party Owed : XXXXXXXX XXXX Amount : {$13000.00} Account Number : XXXX Party Owed : XXXX XXXX Amount : {$2000.00} Account XXXX Party Owed : Bk of America Amount : {$60000.00} Account XXXX I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS " CONSUMER '' ACCOUNT. IT IS FRADULENT. I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned debt removed from my credit report. Enclosed may be additional evidence to support my claim.
Consumer complaint received 2023-10-09
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. (GA)

This is my multiple 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 GA XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX  XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXXL ; XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$8700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$790.00} ; XXXX XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-10-11
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 (CA)

Description of the Incident : Over the course of the past year, unauthorized transactions were detected on an XXXX account associated with our business. This was discovered during a quarterly audit, where it became evident that these transactions blended with our legitimate XXXX activity, making them initially challenging to detect. 

Dates and Amounts : The exact unauthorized transactions spanned the duration of the last year. Specific dates and amounts were not mentioned, but the frequency of these transactions increased noticeably over time. 

Actions Taken : Upon realizing the anomaly, we liaised with XXXX customer service for clarification. XXXX then confirmed the existence of a fraudulent secondary account created under our identity. They provided us with a REFERENCE number : ticket number XXXX and acknowledged the issue. 

Subsequently, we raised the matter with Bank of America ( BOFA ) by filing a claim ( Claim # XXXX ). Despite presenting the evidence, BOFA declined the claim. The bank 's reasons for denial seem to revolve around the extended duration of the unauthorized transactions. We suspect an oversight on BOFA 's part, as a representative may have misfiled and misunderstood the scope of the fraudulent transactions. 

Current Status : We are in a precarious financial situation due to the Covid pandemic, trying to manage SBA loan repayments. With BOFA being an SBA partner, their lack of support during this ordeal has exacerbated our financial woes, pushing our business closer to bankruptcy. 

Request : We seek a thorough investigation and resolution from both XXXX and BOFA, hoping for a refund of all unauthorized funds.
Consumer complaint received 2023-10-11
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. (UT)

XXXX  XXXX XXXX began calling me in XX/XX/2023 in regards to an account I supposedly had with them. I have never opened any accounts with this bank. I thought I had resolved the issue in XXXX. XX/XX/2023 this account shows up on my credit report and drops my report by XXXX points. I have since been in contact with XXXX  XXXX XXXX XXXX XXXX XXXXe account has been closed and I am still waiting for documentation to be sent through postal service. They said it will take XXXX business days from XX/XX/XXXX. I have disputed this through the credit agency and am trying to get this removed as it is hurting my credit report tremendously.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (PA)

In XXXX of 2023 I received an email from Huntington bank stating if I opened a new perks checking account I would receive a $ XXXX dollar incentive ( depending on a few factors ) after setting up direct deposit. I was an existing account holder but did not have a perks account. I opened the account, set up direct deposit and never got the credit. I reached out to the branch on XX/XX/XXXX at XXXX and spoke to the banker who informed me my account definitely qualified and I would be getting the credit but not until 90 days after I set up direct deposit. I reached back out on XX/XX/XXXX as this is the date gave to me by the banker for the date I was getting my credit. I reached out at XXXX and was informed that I should be getting it any day and he had confirmed I definitely qualified. I reached back out on XX/XX/XXXX at XXXX and he informed me he was wrong on the date and I should be getting it the first week of XXXX. I called back on XX/XX/XXXX and he told me sometimes there is a day or two of delay and this was why I did not get it. At this time I felt I was being lied to or mislead and I reached out to the call center. After hours of being transferred back and forth and 2 more people advising me I DO qualify and that I would be getting it any day, I felt like the agents were guessing answers. I asked for management. Management again told me I qualified but they couldn't give me exact dates so I asked for someone higher up. When I spoke to someone higher up I was advised I NEVER qualified because I had a previous account ( even though i received the offer to my email that the existing account is under ) I disputed this as I had been told now at least 6 times I qualify. She said she was filing a compliant within the bank for the misinformation and I would get a call back. I never did. I called back on XX/XX/XXXX ( to the call center ) as I did not hear anything and I was told NOTHING was opened and no escalation took place. The agent I spoke to told me she was opening a complaint, gave me a reference number XXXX stating the customer advocacy team was going to handle my concern and I would be called back in 3 days. I got no call so I called back on XX/XX/XXXX and was told there was " nothing they could do '' and because the branch gave me wrong info I needed to call them. I called them on on XX/XX/XXXX and was told the banker who lied to me for months was " new '' and that was the excuse for the wrong info. I then was told he would escalate to his superior and received a call back 3 days later to be informed they couldn't help me. This is gross disregard for my time, breaking banking laws by lying to me and wrong for a business to do. I had transactions bounce and my account is now negative due to the lies I was told
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (UT)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2018-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I submitted a dispute to have two collections removed from credit report. One is XXXX XXXX ] and XXXX XXXX XXXX. 
Transunion ID # for dispute. [ XXXX The estimated date to resolve this issue was XX/XX/XXXX. 
These collections were removed and then put back on credit report. I would like to purchase a home and would like to have these removed from credit report. Having these listed on credit report is affecting my score for no reason.
Consumer complaint received 2023-10-09
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. (CA)

I am writing to bring to your attention the unresolved issue concerning late payment account on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with the late payment account remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 

XXXX XXXX
Consumer complaint received 2023-10-11
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. (OH)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 


The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (PA)

To whom this may concern : I would like to state that according to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. These companies are blatantly violating federal law ( 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information can be held liable ). I noticed unauthorized accounts on my consumer report. I have not signed any documents authorizing the organization to report any accounts on my consumer report therefore, the reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) Block Except as otherwise provided in this section, 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. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE MY WRITTEN CONSENT TO THESE COMPANIES TO OBTAIN MY PERSONAL INFORMATION. Therefore you furnishing accounts onto my consumer report is fraudulent and it is identity theft.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc (ME)

XXXX XXXX dollars was taken out of my account from a XXXX I have no clue who that is. Now my account is in the negative that amount chime bank will not return the money and zero out my account now my next direct deposit will be used to pay the over draft amount of XXXX dollars of which I did not make. And when I asked for paper work they refused to give me anything or to help me out and told me it will take 120 days to resolve and Im going to loose my paycheck due to this. They just keep transferring me and telling me they will not fix the issue. I need help getting my account XXXX balance. Before XXXX XXXX XXXX or I will lose my paycheck other wise I want my pay check refunded when the balance is covered.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

Under penalty of perjury, I swear this account with XXXX XXXX XXXX and charge offs are illegal reporting, false and misleading. This account has been settled with IRS 1099A/C form and with performance in accordance with the Bill Of Exchange Act.

Under 15 U.S.C 1681i ( 7 ) method of verification this account is in violation it was reported valid evidence.

Under 15 U.S.C 16813 ( b ) and 15 U.S.C 1681u ( 5 ) this account in violation not reporting 100 % accurate.

Under 15 U.S.C 1681a ( 2 ) ( B ) - exclusions from a consumer report this account is in violation of any credit transaction supposed to be excluded from a consumer credit report. If a social security card or security collateral was used in the transaction.

Unauthorized/Erroneous Account RESULT OF The Equifax Date Breah, Violation of The FCRA Reporting falsely.

Under the Fair Credit Reporting Act this disputed item ( s ) may not appear on my report, 15 U.S.C 1681 Have not supplied proof under the doctrine of estopped by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in facts exists.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Under penalty of perjury, I swear this account with XXXX XXXX XXXX and charge offs are illegal reporting, false and misleading. This account has been settled with IRS 1099A/C form and with performance in accordance with the Bill Of Exchange Act.

Under 15 U.S.C 1681i ( 7 ) method of verification this account is in violation it was reported valid evidence.

Under 15 U.S.C 16813 ( b ) and 15 U.S.C 1681u ( 5 ) this account in violation not reporting 100 % accurate.

Under 15 U.S.C 1681a ( 2 ) ( B ) - exclusions from a consumer report this account is in violation of any credit transaction supposed to be excluded from a consumer credit report. If a social security card or security collateral was used in the transaction.

Unauthorized/Erroneous Account RESULT OF The XXXX Date Breah, Violation of The FCRA Reporting falsely.

Under the Fair Credit Reporting Act this disputed item ( s ) may not appear on my report, 15 U.S.C 1681 Have not supplied proof under the doctrine of estopped by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in facts exists.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a 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 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

Bank of America began calling me in XX/XX/2023 in regards to an account I supposedly had with them. I have never opened any accounts with this bank. I thought I had resolved the issue in XXXX. XX/XX/2023 this account shows up on my credit report and drops my report by XXXX points. I have since been in contact with Bank of America several times, the account has been closed and I am still waiting for documentation to be sent through postal service. They said it will take XXXX business days from XX/XX/XXXX. I have disputed this through the credit agency and am trying to get this removed as it is hurting my credit report tremendously.
Consumer complaint received 2023-10-11
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a 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 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent an initial letter labeled nerve attack and they responded with a letter saying it was verified I sent a 2nd letter requesting they provide evidence of how they conducted their investigation and they only responded with the same letter. It is clear that TransUnion isn't conducting a proper investigation and continues to violate my rights under TILA and 15 USC. TRACKING NUMBERS FROM USPS 1ST LETTER  : XXXX 2ND LETTER : XXXX
Consumer complaint received 2021-08-03
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: JPMORGAN CHASE & CO. (IL)

Chase bank accidentally hid a new account on their side, I would go to pay the bill and the account they were referencing didn't exist on my Chase. I thought it was a mistake. I called when my credit showed a late payment and took hours to get to a technical expert to go in and physically UNHIDE my account on the Chase side. They removed the late payment and late fee in XXXX, then the late payment showed up in XXXX again. Their " Credit Specialist '' is unwilling to help, which is unacceptable. I have never made a late payment, and expect their TEAM to fix the misreported item. I am currently removing all my funds from CHASE.