davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I want to express my deep concern and report a severe issue I have been experiencing with Bank of America since the end of XX/XX/2023. At that time, my account was abruptly put on hold, and all transactions and payments I attempted were summarily declined without any explanation. 
Despite my numerous calls to Bank of America seeking clarification on the matter, I have been unable to receive a satisfactory resolution. During these calls, I consistently explained that I initiated the transactions in question, yet Bank of America continued to decline them. Shockingly, it was revealed that my account had been blocked by the fraud department, a revelation that came after an extensive and arduous effort to connect with a representative from said department. 
In a conversation with a Bank of America representative in mid-XXXX, I was informed that a letter outlining the situation would be sent to my address. Regrettably, to date, I have neither received the promised letter nor received any communication from the fraud department. Meanwhile, Bank of America continues to decline transactions on all my accounts, causing significant financial and reputational harm. 
This situation has led to serious consequences, particularly in transactions involving XXXX XXXX. Transfers I initiated were inexplicably declined, leaving me in a perplexing situation where I am receiving notifications from XXXX XXXX, through emails and letters to my address, demanding payment for the outstanding amounts. As a result, I find myself in a precarious position with other service providers who perceive me as unreliable and dishonest due to these declined transactions. 
I hold Bank of America responsible for the extensive prejudices and stress caused by the ongoing situation. The lack of communication, failure to provide a clear resolution, and the subsequent impact on my financial transactions have not only caused significant distress but also created an unwarranted perception of unreliability. 
Again this situation is negatively affecting my financial stability and reputation and causing me a lot of prejudice
Consumer complaint received 2023-08-08
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. (SC)

XXXX XXXX, EXPERIAN, AND XXXX IS IN VIOLATION AND A SERIOUS BREACH OF TRUST. YOU ARE REPORTING FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$790.00} ), XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX YOU HAVE VIOLATED THE TRUTH AND LENDING - ACT 15 USC 1601 AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( XXXX XXXX, XXXX, AND EXPERIAN ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
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: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-01
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. (NC)

I disputed fraudulent student loans that are reporting on my credit reports on XX/XX/ and they have failed to remove the inaccurate information. I sent them copies of the police report and the FTC Identity Theft Report. The items are still on my report and there are about 10 of them. I did not take out these loans and did not attend the schools they are associated with. 

The credit bureaus have refused to block the information reporting on my report.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern : I'm emailing you because my credit report contains inaccurate information. Regarding this, I've written to EQUIFAX, XXXX, and XXXX. Well, none of them try to fix the situation in any way. As additional identification, I provided them a copy of my passport and my social security card. 

Please assist me in finding a solution. I've been under a lot of stress because of this issue. 


Best wishes, XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-26
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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 XX/XX/XXXX
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

** XXXX XXXX ** EXPERIAN continues to infringe, commit identity theft ( never gave permission to divulge my personal information ) and avoid processing my matter as stated. 

On XX/XX/2023 sent in my SECOND set of documentation regarding block of information on my credit report. 
Today, XXXX XXXX - received an email from XXXX XXXX within the Consumer Affairs Department states I did not provide documentation. I am attaching the documentation to this complaint. Left a message for XXXX XXXX at approximately XXXX EST today and I have not heard back yet. 

I have now made a formal complaint to my StateXXXXNorth Carolina Attorney General 's office. 

My next course of action will be litigation!
Consumer complaint received 2023-04-24
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. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
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. (RI)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 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: Experian Information Solutions Inc. (MD)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-14
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

I am unable to get a loan with XXXX XXXX because Fifth Third Bank Mortgage is reporting on my credit file that my mortgage is deferred. I have been paying my mortgage monthly, and have never been late. I have never asked for a deferral. I went to a local Fifth Third branch, and they show zero deferment. Fifth Third local branch suggested I call the Fifth Third mortgage division. The mortgage division indicated that XXXX automatically applies 'mortgage deferred ' to all accounts within a disaster zone. We are located five minutes from XXXX, while we did have two hurricanes this year, we did not have a disaster, and we certainly did not ask for deferment of our mortgage. I suspect that XXXX qualifies accounts for deferment, and I suspect the bank deferred our payments without our knowledge and are collecting interest on those payments. 

I can not get a loan until this is removed. Fifth Third mortgage indicated it would take 50 days to have this removed - I've never asked for deferment, and have never been late on payment. This will cost me at least {$1500.00} in lost time and other payments. Can provide information if necessary.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

BANK OF AMERICA CREDIT CARD STEALS MY MONEY FROM MY B OF A CHECKING ACCOUNT. 

IT HAS HAPPENED ALMOST EVERY MONTH THIS YEAR. I AM XXXX AND IT IS VERY UPSETTING TO BE RIPPED OFF BY THIS BANK.
Consumer complaint received 2023-02-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-11-14
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. (TX)

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 XXXX 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 2023-08-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Original XXXX XXXX XXXX XXXX of Dispute- $ XXXX XXXX XXXX XXXX after my XXXX XXXX XXXX- XXXX I have insurance and told them all the information and to go after them ... .they didn't do that and sent me to collections- XXXX XXXX ... I told XXXX XXXX the same thing ... .go after the insurance company- XXXX XXXX XXXX .I don't think this is fair that it is on my credit report ... .I am trying to get a house and this is really hurting my score... Please help... Apartment rent is killing me and the little house I want will be XXXX cheaper in bills per month ... I am XXXX XXXX XXXX and have a XXXX  XXXX ... .Thanks
Consumer complaint received 2023-11-02
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: EQUIFAX, INC. (CT)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have reached out to all of the credit card companies to inform them that they should not be reporting my accounts as late. According to 15 US. CODE & 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term " person '' means any indvidual, partnership, corporation, trust, estate, cooperative, assodiation, government or governmental subdivision or agency, or other entity. 
( c ) The term " consumer '' means an individual. 

( d ) CONSUMER REPORT. 
Of other communication of any information bya consumer reporting ageny bearing on a ( 1 ) INs GENERAL. The term " consumer report '' means any consumer 's credit worthiness,, credit standing,. credit capacity, character, general reputation, personal characteristics, of mode of lving which is used or expected t to be used of collected in whole or in part for the purpose of serving asa a factor in establishing the consumer 's eligitility 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 ) ExcLsions.-Except as provided in para
graph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 16815-3 of this title, any- and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer ( ii ) communication of that information among persons related by common ownership or affiliated corporate control; or ( i ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disciosed to the consumer that the information may be communicated among such persons .and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such personsi.

Finally, according to this law if i.was ever late I paid a late fee. They are not.allowed to.double dip.

I.have asked all.credit bureaus to.update the payment statuses on all credit card accounts to " paying as agreed '' it's the law.
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (NV)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a letter to the 3 Credit Bureaus last XX/XX/, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$260.00} XXXX  XXXXXXXX  Balance : {$16000.00}.
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: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX