davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I applied for a Bank of America Small Business credit card and was denied. Regardless of the reason for denial, I have the right to credit. Withholding access to my securities is securities fraud. These are violations of the FCRA and the XXXX. Also in violation of 15 usc 1691c adverse action against a consumer is against the law and civilly liable according to 15 usc 1692 ( k ) On XX/XX/XXXX certified mail was sent to them notifying them of their violation. XXXX XXXX has been the contact multiple times but refuses to return messages or remedy the violations of Bank of America. 
Civil proceeding will follow if extended past the 15 days regulated by the consumer finance protection bureau.
Consumer complaint received 2024-01-07
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. (MD)

That on XX/XX/ I a written notice to XXXX XXXX XXXX XXXX opting out of credit reporting. XXXX XXXX XXXX XXXX has yet to respond to my demand
Consumer complaint received 2024-01-07
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. (MD)

That on XX/XX/2023 I sent a written notice to XXXX Department XXXX XXXX XXXX opting out of credit reporting. XXXX Department XXXX XXXX XXXX has yet to respond to my demand
Consumer complaint received 2023-09-15
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)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-01-07
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. (GA)

I have already disputed these accounts in question 1. XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX. XXXX, XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX with the 3 credit agencies XXXX XXXX and Equifax and the furnisher of the information on XX/XX/2023 the credit agencies responded back to me claiming that they have investigated the matter with the reported companies and found that all information is accurate and verified. 
I have included a copy of my most recent credit report showing all the inaccuracies listed on my report. 
it is the credit agency duty to remove accounts they are unable to verify but they knowingly left the incorrect information on my report and that it self is a violation
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MD)

That on XX/XX/2023 I sent a written notice to XXXX XXXX  XXXX XXXX XXXX XXXX opting out of credit reporting. XXXX XXXX XXXXXXXX XXXX XXXX XXXX has yet to respond to my demand.
Consumer complaint received 2024-01-07
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. (WI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX & XXXX XXXX Account XXXX XXXX ( Account ID # XXXX ) have 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 fumish a account without my written instructions.
Consumer complaint received 2024-01-07
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. (CA)

Equifax, XXXX, and XXXX are illegally furnishing a consumer report of me containing exclusions which is a violation of FCRA ( 15 U.S.C. 1681a ) which states that a " consumer report containing information solely as to transactions or experiences between the consumer and the person making the report '' is excluded from the consumer report. In case these consumer reporting agencies are not aware, I offer them an opportunity to remove these violations. I demand my privacy be taking seriously and if these agencies continue to violate I demand the CFPB fully enforce its obligations to hold these reporting agencies accountable for their actions in violation of the FCRA and consumer Privacy laws.
Consumer complaint received 2022-10-28
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. (TN)

XXXX XXXX XXXX are attempting to collect a debt from consumers and XXXX XXXX XXXX without a license to do so in the state of Tennessee. 


This subchapter does not annul, alter, or affect, or exempt any person subject to the provisions of this subchapter from complying with the laws of any State with respect to debt collection practices, except to the extent that those laws are inconsistent with any provision of this subchapter, and then only to the extent of the inconsistency. For purposes of this section, a State law is not inconsistent with this subchapter if the protection such law affords any consumer is greater than the protection provided by this subchapter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Branches : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX OH XXXX Branches : XXXX XXXX XXXX
Consumer complaint received 2024-01-07
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: EQUIFAX, INC. (CA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2023-05-05
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

My mortgage was in forbearance due to covid 19 and this company reported late payments from XX/XX/2022 thru XX/XX/2022 i treid to talk to them multiple times that we were in forbearance and no luck with them, they claim from XXXX it was not in forbearance i attached 2 statements that shows that it was in forbearance
Consumer complaint received 2024-02-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX  XXXX XXXX account to JPMorgan Chase at the instructions of the scammers.
Consumer complaint received 2024-01-06
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: EQUIFAX, INC. (NY)

These XXXX Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted a letter to the 3 Credit Bureaus 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 : {$710.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX  XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

BANK STATED THEY WOULD BE CLOSING MY ACCOUNT ON XX/XX/XXXX. AS OF THIS WEEK THE ACCOUNTS WERENT CLOSED. WHEN I FILED ANOTHER COMPLAINT THEY CLOSED ONE ACCOUNT AND DID NOT CLOSE THE OTHER. THEY TO DATE HAVE NOT SENT MY MONEY FROM EITHER OF MY ACCOUNTS, ARENT PROVIDING ME UPDATES. TOLD ME THAT MY KIDS WOULD HAVE TO STARVE BECAUSE THEY ARE HOLDING MY MONEY. THEY ARENT PROVIDING ANY UPDATES.
Consumer complaint received 2024-01-06
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. (GA)

XXXX XXXX, XXXX, and EQUIFAX is reporting account information without proper consent or authority. The account information is associated with identity theft and other criminal activity. 

The XXXX credit reporting agencies also failed to take reasonable measures to prevent my identifying information from being used, shared, and sold, after having knowledge of the identity theft and criminal activity. 

I have discovered more criminal activity on the credit report and have filed another identity theft report to have the account information block and permanently deleted.
Consumer complaint received 2024-05-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (IN)

Im writing in regards to a recent lease buyout for my XXXX XXXX XXXX. 

Before securing financing for the vehicle, a payoff from XXXX of XXXX was given to me in the amount of {$34000.00} and was good through XX/XX/XXXX. On XX/XX/XXXX, this check was applied to my account in that exact amount. My transaction history showed my balance was {$0.00}. 

After a couple of weeks without receiving any correspondences from XXXX or Ally, I pulled up my Ally app and noticed that on XX/XX/XXXX, that payoff transaction was backed off of my account and noted reallocations. My account was nowXX/XX/XXXX past due. I contacted XXXX of XXXX, and someone in finance was able to contact Ally and get it the issue resolved. I never learned what caused the payment to be backed off. During this time, I was unsure when the payoff would be reposted, and my account was nearingXX/XX/XXXX days past due ONLY because of that payoff being reversed. I decided to go ahead and post a payment for {$400.00} on XX/XX/XXXX to protect my credit while I waited for that payoff to be reapplied. The next day, XX/XX/XXXX, {$34000.00} was posted to my account. I fully understand the payoff was {$400.00} less than before because of the payment I made, but Ally was paid {$34000.00} TOTAL, when the payoff amount for the loan was {$34000.00}. 

Ally owes me {$400.00} and is refusing to pay it back to me, claiming it was XXXX payment. Yes, it covered XXXX payment because of ALLY reversing my payoff weeks prior and not contacting me or the dealership with a reason why. They just let it sit and continue to go past due. 

The amount of {$34000.00} should have been posted as a payoff and a check for {$400.00} in overage mailed back to me. Instead, I received {$0.00} back in the mail. I have called Ally several times and been hung up on twice while being put on hold. I am being told over and over again I am not owed any more than {$0.00}. No one will listen to and grasp what I am saying, I have had XX/XX/XXXX customer service representatives tell me Ally doesnt owe me any more money. 

I expect to be contacted in regards to this issue within XX/XX/XXXX days from the date of this complaint, or further action will be perused. 


Thank you
Consumer complaint received 2024-01-06
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. (AZ)

I just got my credit report on XX/XX/2024, and noticed some accounts on my credit report that are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-01-06
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: EQUIFAX, INC. (MA)

After reviewing my credit profile, I identified discrepancy with my account and validation was requested as this was account I did not recognized I reviewed my account again and the accounts continue to reflect on my credit report and I have not received any correspondence from creditors to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a second certified letter was sent out. These company are reporting fraudulent inaccurate information on my credit report. I requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me 15 U.S.C 1681. These account continue to affect me negatively.
Consumer complaint received 2024-01-06
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2024-01-06
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. (IL)

In accordance with the fair credit reporting act. The list of accounts below has XXXX  my federally protected consumer rights to privacy and confidently under 15 USC 1681. XXXX XXXX XXXX XXXX portfolio recovery XXXX last XXXX of the account number XXXX amount {$690.00}, date XX/XX/XXXX current balance {$690.00}. XXXXXXXX XXXX XXXX last XXXX of account number XXXX amount {$960.00}, date XX/XX/XXXX. Original lender : XXXX  XXXX. agency name XXXX XXXX date XX/XX/XXXX. Original balance XXXX.current balance XXXX 15 U.S c 1681 section 602 A state I have the right to privacy.
Consumer complaint received 2024-05-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NY)

Original Creditor : XXXX XXXX Collections Agency : COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX Placed for collections on : XX/XX/2023 Principal : {$6600.00} Interest Due : {$150.00} Total Due : {$6800.00} XXXX  Last year I was told that I could break my lease without penalty XXXX month early due to being a victim of XXXX XXXXXXXX. I was living in XXXXXXXX XXXX at the time, and I was protected and well within my rights to vacate under Texas XXXX ; Sec. XXXX. RIGHT TO VACATE AND AVOID LIABILITY FOLLOWING FAMILY XXXX. Fast forward, even with the documentation provided, I was informed well after my move that I was liable for my last months payment. Which is completely against the law.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 11 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2024-05-01
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I'm still im disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like for this item to immediately be re-investigated. The inaccuracies are highly injurious to my credit score. 
Capital one ( numberXXXX ) In accordance with the fair credit reporting act, public law 91-506, TITLE VI SECTION 611.PLEASE provide the names and updated copy or my credit report after reinvestigation.I request because of these inaccuracies that this account be deleted off my credit report.XXXX  AND XXXX.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

Macys sent my bill to a closed XXXX XXXX and had my physical address, but did not bother to get a hold of me for five months. I finally received the bill from the person working at the XXXX XXXX and I called them and paid the late fees. In the meantime they informed credit and my credit went from XXXX score to XXXX score. Not knowing that I had this bill I purchased clothes at Macys and opened another account because I thought they closed the old one because I rarely used it. I paid the balance and closed. my account when I found out about the credit report. I see my new credit report because I disputed and I see I had now a {$2.00} balance. I called and they said it was interest. I would never have known about this balance if not for disputing my credit report. It seems to me they were looking to charge me late fees instead of trying to find me when they had my physical address.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (CA)

I am writing to complaint to ALLY FINANCIAL about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MO)

I have this debt collector acting as if I own {$2500.00} on a debt they trying to collect and posing as XXXX XXXX XXXX. I never had a title loan with XXXX XXXX XXXX.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have had numerous problems for the three years I have had these accounts and they are constantly harassing me and my son and make it very inconvenient to continue a business business relationship. I use my credit card that has a secured {$400.00} limit. I overpay my balance 3 to 5 times a month. And I use it for everything. I am constantly being blocked or fraud alerts are out on almost every time we use our cards. I spent over XXXX on my card this year and have been a loyal customer for over three years. But I have never been offered to upgrade and was ignored twice when I asked to raise my credit limit. Then I was told to overpay my amount due and it should let me raise the available credit. This worked and I used my card for a rental car which I have been in a rental car for the last five months from XXXX rental cars. They made a mistake on my last rental and now they won't fix the problem. I have been impacted on my credit report and denied credit because of this error for the last three months. I have. Proof of there error fromt he papers they sent me denied my claim and took the money back again. This is very stressful and just want the money I am due and will be satisfied.