davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Good afternoon, Bank Of America has been stringing me along for almost two years. I was a victim of Identity Theft which led to the hacking of all my accounts. 

Since the very beginning, I have tried to prove my innocence and try to maintain a banking relationship with them. 

In XX/XX/2023, I finally showed enough documentation and had a previous claim overturned. 

I was told by XXXX XXXX that a check for {$4000.00} has been issued out to me on XXXX XXXX. 

I have yet to receive a check and every time I call, I get sent to every single department. 

BOA shouldn't be able to just lie to their customers, especially when they're victims. 

All BOA has done is play games with my money and my time and I don't think that's fair. 

I have attached the notice they sent, I have been trying to contact everyone for weeks and I get no response. Please have them speak to me so I may have the correct address on file and have my money sent to me asap! 

thank you!
Consumer complaint received 2023-05-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (DE)

I'm reaching out to you in regard to the welcome bonus for my Citi Savings Account. 
I was offered a welcome bonus on Citi.com for enrolling/opening a Citi Savings Account . However, I recently learned that I was denied of the bonus. The explanation given that I have a Citi Gold Package which made me eligible for the Citi Savings Bonus. 
However, Citi should not target me or offer me a Citi Savings Welcome offer if I'm not eligible. 
In addition, my understanding was that as long as I open the Citi Savings account I should be eligible for the welcome offer. This is terrible customer experience. 

Please let me know if you can help rectify this situation and escalate this to the appropriate team. 
I'd need the welcome bonus to be awarded, otherwise I will escalate this further with CFPB for deceptive marketing. 

Thank you for your help Account Number XXXX I also have attached the letter of explanation on the denial of the bonus.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TN)

To Whom It May Concern, I am writing to file a formal complaint against Experian regarding their failure to investigate and remove inaccurate accounts from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

The specific accounts that I am disputing are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX, XXXX. 
Account Number : XXXX Creditor Name : XXXX, XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXX  Account Number : XXXX Despite my repeated requests, Experian has failed to conduct a thorough investigation into these accounts and has refused to remove them from my credit report. These inaccuracies are negatively impacting my creditworthiness and causing undue hardship. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate my complaint against Experian and take appropriate action to ensure compliance with the FCRA. Specifically, I ask that Experian be required to conduct a proper investigation into the disputed accounts and promptly remove any inaccuracies from my credit report. Experian is the only bureaus that refused to removed these account from my consumer reports. The other bureaus has removed them for inaccuracies and error on these accounts. Please removed these account of my credit report. 

Furthermore, I request that the CFPB inform me of the outcome of their investigation and any actions taken to address these issues. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX TN XXXX
Consumer complaint received 2024-03-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IN)

XXXX has put a negative remark on my credit report in regards to a debt that is my ex husband 's and I have sent the divorce decree signed by a judge stating this is not my debt but his to pay off. This negative remark is hurting my credit report. I have sent the divorce decree to all credit bureaus and XXXX. XXXX says they do not honor divorce decree. It is a legal binding paper stating this is NOT My debt. I want this negative remark removed so I am able to get a home owners loan and move on with my life. I have sent the decree to experian, XXXX and XXXX.
Consumer complaint received 2023-12-15
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. (AZ)

Per the FCRA as a Federally Protected Consumer I am now Opting Out of Any and All Authorization I the Consumer may have given said ( CEO 's ) and ( CFO 's ) Written/Unwritten, Verbal and Non-verbal 15 USC 6802-6805 , Privacy Act 1974. 

Amounts listed in uploaded documents.
Consumer complaint received 2024-04-18
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. (NY)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2024-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

Hello CFPB, My complaint regards extra payment not being applied to reducing principal balance. 

My regular payment is {$480.00} monthly. On XX/XX/XXXX, I paid {$1100.00} ; XX/XX/XXXX, {$800.00}. The extra amounts went to a category called " Suspense. '' Why? I don't know. Before all extra payment applied to reducing principal balance. 

I don't want to call every month requesting the extra amount be applied properly. On XX/XX/XXXX, the company said the problem would be fixed, but it occurred again on XX/XX/XXXX. 

Again, I don't want to have to call endlessly to have this problem corrected. 

Thanks for your help, XXXX XXXX
Consumer complaint received 2023-09-02
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. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-04-27
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. (TX)

I DO NOT consent to any automated scan response or e- Oscar verification methods. 

I reached out to all three credit bureaus XXXX, Experian, and XXXX to dispute incorrect reports provided by XXXX XXXX XXXX. XXXX XXXX showed several discrepancies between the XXXX reporting agencies : XXXX and XXXX continue to report different balances than experian. Has missing, incomplete and inaccurate data reported for several months. All Burueas continue to report missing, incomplete and inaccurate data reported monthly. There are several months missing whole data and information. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information. This information was not validated. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities.

I requested the following information from you : The amount you claim owed. IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. Full accounting ledger. All legal documents. An explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor. Confirmation that the account has not crossed the statute of limitation ( SOL ) period. Evidence that you are a licensed debt collector. An invoice of the products/services ordered. Dates of products/services being rendered. The address the products/services were rendered to. My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule I was not provided this information as requested, and per law.
Consumer complaint received 2024-05-26
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: EQUIFAX, INC. (VA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (NC)

I got this message with my XXXX credit alert : '' JP Morgan Chase reported a bank account opened with your SSN '' today. i called chase bank and the rep said he could not give out any information after I gave him my ssn and name. i dont know who opened an account in my name but it was not me. this is a result of fraud.
Consumer complaint received 2024-05-19
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: EQUIFAX, INC. (TX)

I DO NOT consent to any automated scan response or e- Oscar verification methods. 

I reached out to all three credit bureaus XXXX, XXXX, and Equifax to dispute incorrect and invalidated reports provided by XXXX XXXX XXXX XXXX. All 3 returned as validated but provide no evidence after a re-investigation. There is conflicting information shown on the 3 separate accounts This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

There are still the following months missing data : XXXX XXXX have no information and XXXX XX/XX/XXXX show " No Data. '' There is charge off then th4e account was brought current then charged off again for the same account. The account showed positive status after charge and then many incorrect negative statuses followed by more charge offs. This is impossible. This would be a violation of Tax law, Metric reporting requirements, and my federal rights. 


One one reporting account there is an account ending in XXXX and an account with a different account number. Both are being reported as my account. This is impossible. 

Further, XXXX, XXXX and equifax continue to violate my rights by not providing specfic information requested to document a bona fide dispute process. Also, by engaging in stalling tactics by requesting identifaction information, even when the information was submitted with the complaint. These agenices have also sent multiple communications to the contact information provide in the past. If there was a legitimate process, this false inaccuracies would not continue to appear on my report. 

All Bureaus continue to report missing, incomplete and inaccurate data reported monthly. There are several months missing whole data and information. XXXX reports incorrect payment history that reflects incorrect late payments. XXXX, XXXX, and equifax do not list payment history and records before XXXX. This does not constitute as a complete report. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information more than 4 times. This information was not validated. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities because XXXX, XXXX and equifax refuse to remove incomplete, inaccurate information., I demand this innaccurate and incomplete report be removed from my credit profile immediately or federal litigation will be sought pursuant to FCRA violations.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2024-05-19
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)

I DO NOT consent to any automated scan response or e- Oscar verification methods. 

I reached out to all three credit bureaus Transunion, XXXX, and XXXX to dispute incorrect and invalidated reports provided by XXXX XXXX XXXX XXXX. All 3 returned as validated but provide no evidence after a re-investigation. There is conflicting information shown on the 3 separate accounts This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

There are still the following months missing data : XXXX XXXX have no information and XXXX XX/XX/XXXX show " No Data. '' There is charge off then th4e account was brought current then charged off again for the same account. The account showed positive status after charge and then many incorrect negative statuses followed by more charge offs. This is impossible. This would be a violation of Tax law, Metric reporting requirements, and my federal rights. 


One one reporting account there is an account ending in XXXX and an account with a different account number. Both are being reported as my account. This is impossible. 

Further, XXXX, Transunion and XXXX continue to violate my rights by not providing specfic information requested to document a bona fide dispute process. Also, by engaging in stalling tactics by requesting identifaction information, even when the information was submitted with the complaint. These agenices have also sent multiple communications to the contact information provide in the past. If there was a legitimate process, this false inaccuracies would not continue to appear on my report. 

All Bureaus continue to report missing, incomplete and inaccurate data reported monthly. There are several months missing whole data and information. XXXX reports incorrect payment history that reflects incorrect late payments. XXXX, Transunion, and XXXX do not list payment history and records before XXXX. This does not constitute as a complete report. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information more than 4 times. This information was not validated. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities because XXXX, transunion and XXXX refuse to remove incomplete, inaccurate information., I demand this innaccurate and incomplete report be removed from my credit profile immediately or federal litigation will be sought pursuant to FCRA violations.
Consumer complaint received 2024-05-19
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. (TX)

I DO NOT consent to any automated scan response or e- XXXX verification methods. 

I reached out to all three credit bureaus XXXX, Experian, and XXXX to dispute incorrect and invalidated reports provided by XXXX XXXX XXXX XXXX. All 3 returned as validated but provide no evidence after a re-investigation. There is conflicting information shown on the 3 separate accounts This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

There are still the following months missing data : XXXX XXXX have no information and XXXX XX/XX/XXXX show " No Data. '' There is charge off then th4e account was brought current then charged off again for the same account. The account showed positive status after charge and then many incorrect negative statuses followed by more charge offs. This is impossible. This would be a violation of Tax law, Metric reporting requirements, and my federal rights.

One one reporting account there is an account ending in XXXX and an account with a different account number. Both are being reported as my account. This is impossible. 

Further, Experian, XXXX and XXXX continue to violate my rights by not providing specfic information requested to document a bona fide dispute process. Also, by engaging in stalling tactics by requesting identifaction information, even when the information was submitted with the complaint. These agenices have also sent multiple communications to the contact information provide in the past. If there was a legitimate process, this false inaccuracies would not continue to appear on my report. 

All Bureaus continue to report missing, incomplete and inaccurate data reported monthly. There are several months missing whole data and information. Experian reports incorrect payment history that reflects incorrect late payments. Experian, XXXX, and XXXX do not list payment history and records before XXXX. This does not constitute as a complete report. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information more than 4 times. This information was not validated. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities because Experian, XXXX and XXXX refuse to remove incomplete, inaccurate information., I demand this innaccurate and incomplete report be removed from my credit profile immediately or federal litigation will be sought pursuant to FCRA violations.
Consumer complaint received 2024-04-18
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)

There is an inquiry on my transunion credit report that does not belong to me. I demand the following inquiry be deleted from my transunion credit report immediately. Please remove the following - 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 2023-09-26
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: EQUIFAX, INC. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021.