davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
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. (FL)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-25
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The companies involve are below : 1. Bank of America ( I have my saving account ) 2. XXXX ( I dont have any association with this company. I dont know anything about this company or anyone associated with them. ) Please find more details below : I have a saving account with Bank Of America. I have not shared my account details with anyone. I have not authorised any trasanctions in my saving accounts for below amounts. 

I have noticed following suspicious trasanction in my Saving account : XX/XX/XXXX : Deposits of {$0.00} and {$0.00}, XX/XX/XXXX : Withdrawal of {$0.00} and {$0.00}, XX/XX/XXXX : Withdrawal of {$2400.00} These trasanction are completely unauthorised and without my knowledge. In transanction details the company XXXX and person XXXX XXXX is mentioned. I dont know about any of them.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report numerous times over the past year. I contacted consumer finance bureau and I finally contacted Federal Trade Commission to dispute the validity of these accounts. I am a victim of identity theft as to these accounts do not belong to me and I have no acknowledgment of. These inaccuracies have been haunting me for the past decade please delete indefinitely because it is the law. I should not have inaccurate items on my credit report.
Consumer complaint received 2023-01-19
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. (MI)

In accordance with the Fair Credit Reporting act, my rights has been violated. 

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 2023-11-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (IL)

BACK IN XX/XX/XXXX THEY CLOSED THE ACCOUNT. PRIOR TO THAT I WENT INTO THE BRANCH AND WAS TOLS THEY HAD TO REACH OUT TO THEIR BACK LOG TEAM AND HAVE THE ACCOUNT PUT ON THE SERVER. THE REP HAS FAILED TO CALL ME BACK AND EVERYTIME U CALL THEM HE IS WITH A CUSTOMER AND WILL CALL ME BACK. I REQUESTED MY ACCOUNT STATEMENTS WITH THE LAST TIME BEING ON XX/XX/XXXX. I WAS TOLD VIA PHONE REP THAT THEY HAD NO NOTES ON THE ACCOUNT AND COULD NOT FIND AN ACCOUNT. TO GO BACK TO THE BRANCH AND THOSE ARE THE ONLY ONES WHO CAN HELP ME. XXXX  ARE DENYING ME ACCESS TO MY RECORDS AFTER THE RANDIMLY CLOSEE MY ACCOUNT WITH NO EXPLANATION OR COMMUNICATION. NOW XXXX ACCOUNT NEVER EXISTED.
Consumer complaint received 2024-03-15
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. (GA)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as a proof of my identity.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

in accordance with the the Fair Credit Reporting Act, XXXXL XXXX Account # XXXX, XXXX XXXX XXXX/ XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 ( a ) ( 4 ) states i have the right to privacy, 15 USC 1681 Section 604 ( a ) ( 2 ) : also states any consumer reporting agency can only furnish an account with my written instructions, they were never given written instructions
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Clark County Collection Service (NV)

Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist. 15 USC 1692g,15 USC 1666b,15 USC 6801,15 USC 1681A2 , 15 USC 1681S-2 . 
This is not my account. This is being reported in error. FCRA requirements met and pursuing litigation. All data furnished, inconclusive and not accurate. Past the XXXX days to acknowledge the violations of FCRA, therefore immediately remove. 
Under FCRA Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to conduct a reasonable investigation into disputed items within 30 days of receiving notice of the dispute. The failure to comply with this provision constitutes direct removal. 
15 USC 1681S-2, 15 USC 6802 , 15 USC 1681 ( a ) ( c ), 15 USC 1681C-2 , 15 USC 1681A2 ( ai ), 15 USC 1681 Section 602 , 15 USC 1681 Section 604A ( 2 ), 15 USC 1681a, 15 USC 1666B I dispute inaccuracies on my credit report citing FCRA Sections 611 & 607 ( b ). Request prompt investigation and correction. Provide written investigation results and updated report. Prepared to seek compensation for non-compliance. Ensure FCRA adherence.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (AR)

I am writing to lodge a formal complaint against Chase Bank for their continued failure to resolve an issue concerning a fraudulently opened account under my name. This account, an Amazon Visa opened in XXXX and ending in XXXX XXXXXXXX with a balance of {$3000.00}, was opened without my knowledge or consent during a period when my identity had been stolen. Despite never having any dealings with Chase Bank, this fraudulent account has severely impacted my financial standing. 

I have been disputing this charged-off account vigorously since at least XXXX, following my XXXX XXXX XXXX with the most recent communication sent XXXX XXXX XXXXXX/XX/XXXX. On several occasions over the past year I have provided Chase with a comprehensive FTC fraud report, which acts as an official police report for identity theft, yet they refuse to remove the account. They argue that because payments were made on the account, it must be minea claim that ignores the fact these payments could have been made by the identity thief. 

They have not provided any information about this account, including what method was used to open the account, the ID that was used when opening the account, the signature of the person who opened the account, or any information about the bank account that was used to make payments on the account. 

I suspect a family member may be involved, given their access to my personal information, but I lack direct evidence. My repeated attempts through calls and written communications have been disregarded, and Chase continues to maintain the account on my records, unjustly preventing me from accessing credit. 

Thank you for your attention to this critical matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I was contacted by XXXX XXXX, regarding my student loan. I noticed last year that there was a dispute that was under my name that I had not disputed, causing my credit score to plummet. They had a dispute for my sister, but falsely claimed that I disputed this account. 
My consumer credit file again has been affected by the inaccurate and unauthorized disclosure of my personal nonpublic information, shared with a third party, the Credit Reporting Agencies. My consumer rights have been violated and XXXX XXXX XXXX  has violated the FCRA. The payments that I have made on these loans have been misapplied, my account is showing to be incomplete, and missing accounting history. 

The consumer reporting agencies are bound by the FCRA to maximum accuracy, which clearly was not done here with the reporting of this account. Both companies have conspired together to cause financial harm in reporting payment status as being late, violating 15 USC 1666b. In addition, XXXX XXXX has also violated me, the consumer, pursuant to 20 USC 1232g, the privacy act of 1974 and my educational rights.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

It al started on XXXX when I called bank of America y a wire didn't go trough, They said your accounts are is frozen since XXXX and they will close the account and send me a check then I called them again on XX/XX/XXXX asked them when they will close the account they refuse to give me more info, and they said they will close it XX/XX/XXXX when asked if they could reject all the merchant not be able to charge my account they refused to help me, as you can see i have money in the account and they refuse to pay them so I will have to pay to who gave the check all fees ( see attached ), then when I called them again the same day the said they will close it on the XXXX and when asked if I could take out the money they said no see statement it shows XXXX XXXX was and next day XXXX money in my account please help me its know 100 day and I still dint get back the money that they stole, I also have all recordings if you need thank you
Consumer complaint received 2023-10-06
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc. (MT)

I moved out 5 years ago now. I left my forwarding mail address, in addition to my email and phone number, and never received any communication regarding an outstanding balance. According to this debt collection, I owe {$370.00}. I don't know what this is for. I was never contacted. I only found out about it from my credit report. I would have paid this amount if someone reached out to me and explained. This is a lot of effort over a small amount. But now it's the principle of it, I am ready to hire a lawyer over this amount because of the way the XXXX XXXX XXXXXXXX handled it.
Consumer complaint received 2023-04-18
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. (SC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been getting denied for a rental property since XX/XX/XXXX, which made me look into my credit report where I found several inaccuracies and FCRA violations. 

I have been going back and forth with Transunion since XXXX XXXX. It is now XX/XX/XXXX and my situation still has not been resolved. I have repeatedly asked for evidence supporting their reporting -- four times to be exact. They have failed to provide me a copy of ay viable evidence submitted by the creditor substantiating their claims. I've also requested their method of verification and Transunion still has not complied, which is an additional violation of the FCRA 611 ( a ) ( 7 ).

At this point, I believe that Transunion is acting in bad faith and have not complied with the FCRA at all, which now I am prepared to file a lawsuit in the small claims court. Their inaccurate and unverifiable reporting was the cause of my family and I becoming homeless. If not removed, I will be seeking damages. This has been traumatic.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments that have not been verified!! they are not accurate and according to the law FCRA 623 I was supposed to be notified of this information. And this information was not sent to me in writing. Before it was put on my credit report!
Consumer complaint received 2023-10-27
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ;
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from bank of America on XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score
Consumer complaint received 2017-12-18
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mobiloans, LLC (CA)

I have been paying off a {$1000.00} loan for about 16 months ay {$300.00} per month. I was never told that this would NOT be added to my credit report. The deductions stopped coming out of my checking account and I assumed that I was done with this loan. I checked my credit report and see that this loan was reported at a bad debt. I got nothing in the mail or phone calls from mobile loans, the only notification that I got was a negative mark that appeared on my credit report. Over the weekend I got something in the mail stating they are in the middle of bankruptcy and I need to send my claim in to possible be added. These people are crooks I have paid over {$4000.00} for a {$1000.00} loan. I believe that they have committed fraud. Please see attached credit report.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was contacted by XXXX XXXX, regarding my student loan. I noticed last year that there was a dispute that was under my name that I had not disputed, causing my credit score to plummet. They had a dispute for my sister, but falsely claimed that I disputed this account. 
My consumer credit file again has been affected by the inaccurate and unauthorized disclosure of my personal nonpublic information, shared with a third party, the Credit Reporting Agencies. My consumer rights have been violated and XXXX XXXX XXXX  has violated the FCRA. The payments that I have made on these loans have been misapplied, my account is showing to be incomplete, and missing accounting history. 

The consumer reporting agencies are bound by the FCRA to maximum accuracy, which clearly was not done here with the reporting of this account. Both companies have conspired together to cause financial harm in reporting payment status as being late, violating 15 USC 1666b. In addition, XXXX XXXX has also violated me, the consumer, pursuant to 20 USC 1232g, the privacy act of 1974 and my educational rights.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Today, XXXX at XXXX XXXX  i received 4 emails stating a new checking account was opened in my name at bank of america. I did not open these accounts and immediatley contacted bank of america, after looking up their fraud phone number ( not the number listed in the email ). I made my report of fraud and was told the account was closed. At XXXX XXXX  i received another email from bank of america about changes to my account. I called again and was told the account was still open. The 2nd representative claimed they closed the account again. I reported the fraud and put account security freezes at each credit reporting agency. Bank of america could not provide any additional details about the account. The account should have never been open and the account should have been closed when i first contacted them.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Hey this is not necessarily a complaint im actually just asking for a correction to my credit report. My credit report for experian doesnt show a score AT all. I recently went looking for a property and the realtor advised me they couldnt pull anything. So im just asking for the system glitch to be corrected.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

**** Human manual review only, No automated system please. Be compassionate **** Please see the issue where you all reporting that the details of the XXXX XXXX, XXXX show that there is no first date of delinquency or late payment however when I click on payment history you all are reporting late payments. Equifax has it as 60 days late consecutively on from XXXX to XX/XX/XXXX and XX/XX/XXXX. It is impossible for that to be accurate a month is 30 days not 60, why are you all telling the public that I am 60 days late for 5 months? You are literally hurting twice as much as possible. And worst is that I was never late! XXXX has it as 3 30 day late payments. They are not even consistent with what they report to you all. They can not be trusted to be fair and accurate as FCRA requires. Please see the attachments. If there is no date of first delinquency because I have never been late. The manager at XXXX XXXX has some personal issue against me and keeps violating FDCPA laws to keep false reporting back to you all confusing details of a late payment that never happened. I have paid off the balance on this account and this record needs to be deleted because its clear that this creditor is not committed to following the consumer protection laws regarding their reporting. You keep following what they say instead of deleting this as the law requires. You all keep saying things are verified then I dispute showing incorrect information then you all update things. You all need to delete this record. There system is clearly wrong since it cant even report a delinquency date and cant even report the same to all credit reporting companies. There should be no red for any month indicating any late payments! There should only be green check marks to show that there were no missed payments. You all keep making inaccuracies on it. They are not supposed to even report any late payments to to federal laws that were passed for that time. Credit reporting companies are required to comply with the law, by deleting these late payments or removing the accounts if the creditor keeps ignoring the law and fail to comply with reporting restriction. Asking them to keep this verify and automatic reporting loop going is just wrong and illegal. I am suffering because your personnel or the systems they use are constantly presenting false and inconsistent information to the public. You all will be held accountable for violating my rights! Just delete this account.