davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I was scammed in XXXX of 2023 I made a report as soon as I noticed I was scammed. I was at a party and my phone, SS card, bank card, and credit cards were stolen. I got home logged into my bank account and saw XXXX {$500.00} charges I called the bank immediately as soon as I saw these unknown charges. When calling the rep stated it would be best to close my account and make a new one I said ok. A few days later Bank of America XXXX all of my accounts. I was going to the XXXX branch located at XXXX XXXX XXXX XXXX, CT to open new accounts such as a checking and savings I was told because of the banks decision I could not open new accounts. I then called XXXX and Closure and I was told I could not open new accounts for XXXX years or possibly I could never have another account with Bank Of America I have a MAJOR PROBLEM with this I WAS THE ONE WHO WAS SCAMMED IM THE VICTIM AND I CAN NOT HAVE AN ACCOUNT WITH WITH BANK OF AMERICA I feel this is cruel and incorrect please advise on what can be done to fix this. I ALSO WANT TO KNOW WHAT CAN BE DONE ABOUT ME RECEIVING THE {$1000.00} I was scammed out of by XXXX payment. Please email or contact me by phone on how this can be resolved. I would keep contacting by phone however reps are not clear on what I can do or what can be done about this situation.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

This address does not belong to me. It's a Private Mailbox address with no suite number. I do not have an account at this address. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IN)

Credit was ran for car loan several times, I did try to dispute it and nothing has happen with this. My credit has been destroyed I may not have XXXX but what I do have I work hard for. I would like for this information to be removed from my credit so that I can keep the score that I do have. I would like the inquires removed off my report.
Consumer complaint received 2024-04-03
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. (NY)

Despite my persistent attempts, I have not made any progress in resolving these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize that I take this matter very seriously. If you choose not to address my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I implore you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will result in my insistence on the immediate removal of these items from my report.
Consumer complaint received 2024-07-01
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (NJ)

According to 15 use 1692c ( c ) Communication with the consumer generallyWithout the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. reporting this on my credit report is a form of communication along with the continuous mail and phone calls
Consumer complaint received 2024-04-03
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. (CA)

All the way back in XX/XX/XXXX I had sent a dispute to EXperian stating inquiries that are on my credit did not have permissable purpose and was not authorized by me. 

I have had to spend money on the credit monitoring but unfortunately I am never been able to get an updated score or able to dispute the errors due to system being down. 

Delete these hard inquiries because they did not have permissable purpose. 
Due to violation of 15 USC 168 1b. 

The Address on my credit report is wrong, should reflect the my correct city. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) This inquiry has no permissable purpose to be on my credit report. 
Due to violation of 15 USC 168 1b delete this inquiry. 

XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX This inquiry has no permissable purpose to be on my credit report. 
Due to violation of 15 USC 168 1b 3. XXXX - XXXX XX/XX/XXXX This inquiry has no permissable purpose to be on my credit report. Due to violation of 15 USC 168 1b delete this inquiry. 

XXXX. ( XXXX XXXX XX/XX/XXXX ) This inquiry has no permissable purpose to be on my credit report. Due to violation of 15 USC 168 1b delete this inquiry.

I have sent many requests for deletion and correction but EXPERIAN has vilolated my rights by not even investigating and rectifying the situation even though I signed up for their credit monitoring.

I want the inquiries delted and my address corrected.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a problem with your page, it keeps kicking me out and I have to keep starting over. XXXX XXXX XXXX my account back in XXXX and nothing happened about my claim report regarding my information. I have filed many dispute on my credit report and nothing happened.
Consumer complaint received 2023-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

My ( and everyone 's ) loan was in forbearance during COVID until XX/XX/2023, but I kept making payments the entire time. Once that date was passed, I was charged interest again, which I fully expected. The payments I made for XXXX, XXXX and XX/XX/2023 included the newly accrued interest, and it was shown on the MOHELA website ( at that time ) how much of my payment went to each. The total interest I paid for this period was about {$800.00}. In XXXX, MOHELA placed my account in forbearance again due to a government sanction on them regarding fair practices. When I went to check on making my XXXX payment I looked at the previous payments out of curiosity. MOHELA had changed my previous 3 payments to show that the amounts I paid all went toward the principal. This would have been OK, except my principle amount did not decrease by the full amount of the payments, basically making my {$800.00} in interest payments " disappear ''. When I called to ask about this error, the ( intern ) agent couldn't find or access any records to show how my payment was allocated to my account and simply offered me a refund of the disputed amount. I declined and asked to speak to someone in accounting who could look up exactly how my payments were applied. I was transferred and left on hold for 164 minutes with no answer, then the phone system hung up on me.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Notice of Illegal and Fraudulent Reporting of Inaccurate Information on Credit Profile To Whom It May Concern : I am writing to address the illegal and fraudulent reporting of inaccurate information on my credit profile. It has come to my attention that there is a bankruptcy listed on my credit report, which I did not consent to and is not accurate.

The discrepancy identified is as follows : XXXX : A bankruptcy filing has been reported on my credit profile, indicating that I have filed for bankruptcy. However, It is not legal to have such information on one 's credit report without their approval or knowledge. 

I have taken the following actions to address this discrepancy : 1. I contacted the bankruptcy court to verify if any bankruptcy filings had been made in my name. The bankruptcy court confirmed that they have not reported or verified any information on such filings under my name or Social Security number. 

Based on this information, it is evident that the bankruptcy listing on my credit report is inaccurate and has been fraudulently reported. I demand that this misinformation be removed from my credit profile immediately to prevent further damage to my creditworthiness and financial standing. 

I request that you conduct a thorough investigation into the origins of this fraudulent reporting and take appropriate action against any parties responsible for perpetrating this illegal activity. Furthermore, I expect written confirmation once the bankruptcy listing has been removed from my credit report. 

Failure to address this matter promptly and effectively will result in further legal action being pursued to protect my rights and interests under the Fair Credit Reporting Act. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-29
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. (KY)

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 accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the erroneous information on my credit report : XXXX XXXX
Consumer complaint received 2023-04-26
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. (AL)

In accordance with the Fair Credit XXXX Account # XXXX ( XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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. (TX)

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an accounts opening date on my credit report with XXXX And XXXX Credit Bureaus. The incorrect accounts opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. Each time, I received a confirmation of the receipt of my dispute but saw no concrete action to rectify the inaccuracies. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the correction within the legally required timeframe. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the accounts immediately : OFFICE OF THE ATTY GEN XXXX Balance : {$7500.00} ; ATTYGENERL XXXX Balance : {$7300.00}.
Consumer complaint received 2024-04-03
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. (CA)

This is the third time I have filed a complaint with Experian. I have asked TWO times for them to verify the accuracy of this account in accordance to my fair credit reporting rights and they have NOT done so and verify it as VALID. I also have not received the data I have asked for under my rights to see HOW the account was verified. They fave failed to report accurate and true information and I DEMAND the removal of this account. 
It is illegal for Experian to report this account as being charged off ( C/O ) month after month starting XX/XX/XXXX to today. This inherently re-starts the statute of limitations and is violating my consumer rights. Also their reporting is significantly different than the reporting of XXXX data. I demand this be removed immediately or I will hire legal counsel and sue. 

XXXX XXXX XXXX XXXX XXXX Account number XXXX Opened XX/XX/XXXX {$7900.00}
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Business failed during CoViD. B of A transferred a Business credit card to personal liability. Garnished joint bank accounts. Failed to answer any complaint made to CFPD XXXX that you closed. They never provided you with their response. They did not disclose truthful statements to further their case. They provided non related paperwork. They appear to have created a welcome to this business credit card years after its actual inception. They have enriched the original debt I believe via fraudulent practice
Consumer complaint received 2018-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have a loan with Nationstar Mortgage and my payments go through Mr Cooper. When I took out the loan for {$60000.00}, in XX/XX/XXXX, the loan was only 14 % of the total price of my home. The balance of the price of the home was paid in cash. At the time of the loan I asked to NOT have an escrow account but was told that I had to have an escrow account. In XX/XX/XXXX I called and asked to have the escrow account removed and was told that I had to have an escrow account for one year. I called back one month before the year was up in order to begin the process and was told to call back in XXXX when the year would be up. I called on XX/XX/XXXX and was told to call back on XX/XX/XXXX which would be several days after the one year. I called back on XX/XX/XXXX and was told that the one year of escrow had now been changed to 2 years. I asked for a supervisor and spoke to XXXX XXXX who told me that she would file for a waver since the 2 years was a new policy and I had been told repeatedly that my wait would only be one year. XXXX told me that she would call me back right away with an answer. However, it has been 4 days and I have recieved no calls. I have called every day trying to reach XXXX and spoken to several other people. On one phone call I was once told that the matter would be referred to her supervisor, XXXX XXXX, who would call me. However, he has not called me either. I ask for his phone number and was told that his number was unavailable. On XX/XX/XXXX I spoke to XXXX XXXX who told me that she could see in the computer data that I had been told several times that my time line was one year. She was going to try again to reach XXXX XXXX and her supervisor, XXXX XXXX.
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc. (NY)

On XX/XX/, I received an email from Avant regarding multiple unauthorized charges on my card. After speaking with their fraud department, I was assured that the issue would be resolved. However, despite several attempts to contact Avant through different departments, they have not yet addressed the issue of fraudulent charges on my card. I even sent an email to their customer service on XX/XX/, but as of XX/XX/XXXX, there has been no attempt to address the issue. Avant has kept the charges on my card, which amounts to over {$2000.00}.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I pulled my report I notice that there were accounts appearing on my report that I am not aware of where it came from. Listed below are the items that I wanted to be deleted from my report due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-09
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. (NC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-12-09
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. (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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-04-03
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. (IL)

Subject : Notice of Dispute - XXXXXXXX XXXX To Whom It XXXX Concern, I am writing to express my profound dissatisfaction and apprehension regarding the handling of the account XXXX XXXX on my credit report. Upon thorough review, it has become apparent that there are multiple egregious breaches of the Fair Credit Reporting Act ( FCRA ) associated with this account. Therefore, I am urgently requesting immediate action to address and rectify these issues. 

Specifically, I am formally demanding a comprehensive debt validation process, inclusive of the following particulars : Original Contract : Furnish a complete copy of the original contract between the purported creditor and myself concerning the account XXXX XXXX. 

Original Creditor : Clearly disclose the name and pertinent contact details of the original creditor linked to this account. 

Original Open Date : Provide precise documentation regarding the establishment date of the account XXXX XXXX. 

Date of Last Payment : Specify the exact date of the last payment attributed to this account. 

Date Account Was Closed : Clearly indicate the official closure date of the account XXXX XXXX. 

Fully cognizant of my rights under the FCRA, it is evident that Experian has failed in its duty to ensure the accuracy and validity of the information it reports. I insist upon a prompt and diligent response to address and resolve this matter. 

Failure to adhere to this request within [ 15 days ] from the date of this correspondence will leave me no choice but to pursue legal recourse to enforce my rights under the FCRA. Please regard this as formal notice of my intent to proceed accordingly. 

I anticipate a timely response, accompanied by the requested documentation, to be submitted through the CFPB portal. Furthermore, I request that any necessary corrections to my credit report be promptly implemented.
Consumer complaint received 2023-12-29
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX