davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I was approved for Maryland Unemployment in connection with being out of work due to COVID-19. I filed for Unemployment with Maryland 's Dept of Labor back in XX/XX/2020 and needed to go through Extensive identity and wages verification. I was mailed a Bank of America Prepaid Debit Card where my COVID-19 Unemployment was to be sent to. When I went to activate the card, I was unable to activate it. I called Bank of America and was told that I needed to contact Maryland Unemployment. I contacted Maryland Unemployment and was told that my benefits were reinstated after I passed the identity verification. True copies of the documents that I received in the mail from Maryland Unemployment are attached to this Complaint which explicitly states that the funds on the B of A Prepaid Card ending in XXXX would be unfrozen within 3 to 4 business days from XX/XX/2020. As of the date of this Complaint, the funds are still frozen. 

I've contacted Bank of America numerous times and have been given no information regarding this issue besides a letter that I received in the mail telling me that my card was being frozen due to some kind of investigation. This occurred even though Maryland Unemployment sent me the notice attached to this Complaint stating that after their formal and official investigation, my identity was verified. 

True copies of my Passport, Birth Certificate, and Front and Back of my Social Security Card are attached to this Complaint for whatever identity verification purposes that the Complainant may deem necessary.
Consumer complaint received 2023-12-18
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. (CA)

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: OneMain Finance Corporation (AL)

I received a notification that one main financial institution was ordered to pay back a large sum of money based on inaccurate information upon opening account I have been paying on this account for more than 3 years with no end of finishing my payments I feel like I have been manipulated and day-to-day increase of Finance charge that exceed way more than I can afford to pay so with that being said I'm interested in adding my name to the list of clients that have been wrong doing in the process of completing my loan
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (GA)

I would like to file a complaint against XXXX XXXX, Crdit Coll, XXXX XXXX for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/year>
Consumer complaint received 2024-04-28
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. 

Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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  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 2024-04-28
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/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 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 2024-05-29
Product: Credit card — General-purpose credit card or charge card
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. (NY)

FCRA 605B necessitates the removal of any erroneous accounts from my credit report. These accounts inaccurately represent the reporting. I should be compensated {$1000.00} for each mistaken report on my credit file.
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (NC)

XX/XX/XXXX : Account opened XX/XX/XXXX : First missed payment on account XXXX XXXX XXXX XXXX Further missed payment XX/XX/XXXX : I first noticed the fraudulent activity and delinquency of the account via XXXX XXXX XX/XX/XXXX : I filed a dispute with Equifax XX/XX/XXXX : Dispute completed by Equifax, reported that the account was not fraudulent which is incorrect
Consumer complaint received 2023-03-29
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2024-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Unauthorized hard inquiries to my credit i dont recognize XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX 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 Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio called and i asked to send me a written notice of such debt. That was the first call. 2nd call a person I know was visiting and I was in the kitchen and asked for that person to answer my phone. They identified themselves of being with Portfolio recovery. My guest asked what the issue was and Portfolio gave my guest my full name, address and what they are trying to collect. They gave another person my whole information. Please delete this of my credit. Reparations for harassment and giving out my whole information to another person.
Consumer complaint received 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

Subject : Dispute of Unauthorized Credit Inquiries Dear Experian I am writing to formally dispute unauthorized inquiries on my credit report. I recently obtained a copy of my credit report and discovered inquiries that I did not authorize. These inquiries may be the result of identity theft or a clerical error, and I am concerned about their potential impact on my credit score.

The details of the unauthorized inquiries are as follows : 9inquiries These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX I have no knowledge of these companies nor have I authorized them to access my credit report. According to the Fair Credit Reporting Act, I have the right to challenge inaccurate or unauthorized items on my credit report. 

To resolve this matter, I kindly request that you : Investigate these inquiries to determine their origin and legitimacy. 
Remove these unauthorized inquiries from my credit report if they are found to be erroneous or fraudulent. 
Provide me with an updated copy of my credit report post-investigation. 
For your reference, I have attached copies of my credit report highlighting the disputed inquiries, as well as any relevant supporting documents. 

I appreciate your prompt attention to this matter and expect a response within 30 days, as stipulated by federal law. Please contact me if you require any additional information or clarification. 

Thank you for your cooperation and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-18
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)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-28
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)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-12-18
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. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few record that requires UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this record ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$86000.00}
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (LA)

Dear CFPB, I have made attempts to call your office at the number listed online, ( XXXX ) XXXX ) and this is not a reachable phone number!! It sounds like it is disconnected. 

Therefore, I attempted to send you an update on my case ( complaint # XXXX ), but you had closed the case before I have received a resolution! 

The letter I received by email from CITI Executive Response Team ( Citi # XXXX ), advised they did not service the Sears Warranty and " deflected '' the problem by providing a phone number to me to call XXXX ( XXXX ) XXXX. I might add, a phone number I have already called repeatedly! They did not provide any assistance to me!
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is not my account. This account belongs to my XXXX  year old mother. It is marked as undesignated as I never agreed to co-sign. 

XXXX XXXX XXXX  XXXX XXXX Credit Card | Reported on XX/XX/XXXX Balance {$3200.00} Limit {$3000.00} Past due {$650.00} Account utilization : 109 % | Limit exceeded CONTACT INFO XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX You're currently late on your payment for this account. Make at least the minimum payment to bring your account back to good standing. 
Account details Account status Over 120 days past due Account type Revolving Account number XXXX XXXX Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$650.00} Responsibility Undesignated Times 30/60/90 Days Late XXXX Term Duration Months 0
Consumer complaint received 2023-12-26
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kovo (FL)

KOVO ISN'T REPORTING MY XXXX REPORT AT ALL, THEY HAVE THE DIFFERENT OPENING DATE, LAST DATE ACTIVE IS INCORRECT. 
Account Type : Installment Installment Account Type - Detail : Installment sales contract Installment sales contract Bureau Code : Individual Individual Account Status : Open Open Monthly Payment : {$10.00} {$10.00} Date Opened : XX/XX/2023 XX/XX/2023 Balance : {$200.00} {$200.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$240.00} {$240.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/2023 XX/XX/2023 Comments : - - Date Last Active : XX/XX/2023 XX/XX/2023 Date of Last Payment : XX/XX/2023 XX/XX/2023
Consumer complaint received 2024-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I had to come into reinvestigate this case and they fail to properly investigate now Im also they are hurting my credit. I believe they owe me money to them over {$1000.00} concerned by the CFPB reported damage not filing through in the report.
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: Experian Information Solutions Inc. (MA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

To my knowledge, I was never late on my Kohl 's credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.
Consumer complaint received 2023-12-18
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. (GA)

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 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 2023-12-18
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. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX