davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX, a bill pay was initiated from our Bank of America ( BoA ) checking account to a " XXXX XXXX XXXX '' for {$2900.00}. We ( XXXX and XXXX XXXX ) do not have such a card. Transaction may have been started on XX/XX/XXXX according to bank, but transaction date listed as XX/XX/XXXX. 

We initiated a fraud claim with BoA on XX/XX/XXXX ( XXXX ) immediately upon noticing, they started an investigation. We changed passwords and added notifications to the account. 

On XX/XX/XXXX we received a letter from BoA denying claim, stating that " transaction completed using a devise consistent with previous valid account activity. '' On XX/XX/XXXX we called BoA for additional information. The said it was paid to credit card account XXXX XXXX XXXX XXXX ( not ours ), and were unable to immediately identify what device initiated the transaction. They are supposed to be sending more info that has not been received yet. 

We called XXXX XXXX fraud at XXXX and they verified that the account above did receive a payment for {$2900.00} on XX/XX/XXXX, but were unable to do anything further. They said the account belonged to a " XXXX XXXX ''. 

We both pulled current credit reports and no new credit cards were listed in our names. 

On XX/XX/XXXX spoke to XXXX at Bank of America Fraud. He said that BoA cant provide specific device info, but identified it as a cell phone, IP address as XXXX, which is out of XXXX XXXX, MI ( near XXXX ). His theory is potentially the SIM card was swapped, but needed us to work with XXXX to provide some evidence of that. 

BoA will not re-open dispute without evidence that device was not in out possession. Recommended reaching out to XXXX. 

Went to XXXX store, unable to provide info but gave global fraud # of XXXX. Called number, referred to website to put in inquiry. Went to XXXX, XXXX XXXX XXXX and assigned # XXXX. 

Went to XXXX Police Station for copy of case XXXX. Case was closed, no info added beyond what we submitted. Police not taking action. Provided police with IP address update.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

On I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-06-17
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. (FL)

I have thoroughly reviewed my credit report and i would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that this account be investigated.

Under 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-01-19
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 disputed XXXX XXXX XXXX collection account with XXXX XXXX, Equifax, and XXXX. All three reporting agencys are still reporting the account accurate. I send all three agencys the receipt from the medical provider Preferred Imaging showing a zero balance and the state from my insurance provide XXXX XXXX XXXX XXXX XXXX Texas.
Consumer complaint received 2022-12-06
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. (CA)

My name and personal info were in the XXXX XXXX XXXX and XXXX XXXX breaches in XXXX and XXXX. 
I discovered many names, phones numbers, addresses and accounts that were clearly not mine on my credit report. 
Credit agencies have been reporting addresses connected to my name with fraudulent and erroneous accounts. 
I am disputing the addresses that clearly states it's a business as a residence and I lnever lived there. 
I have sent documents and Affidavits and been on phone disputing these errors for the last 2 months. 
Please delete these accounts. 
I have been dealing with this mess for a while now and request prompt look into this matter.
Consumer complaint received 2023-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Recovery Solutions LLC (KS)

I was left a voicemail about a credit card debt and around the same time was called by a process server. I called the number XXXX and they said that I had a debt for XXXX  XXXX which I have never heard of. They had a very outdated email address so I gave an updated email address for them to send information about the debt to. I called XXXX and they were not able to find any information for an account that I had with them. They called from telephone # XXXX and left a voicemail again saying they were Atlantic Recovery Solutions and that the email I had given was invalid, which is not correct. I do not show a XXXX XXXX account on my credit report and until I had received the phone call, had never heard of XXXX.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation (NV)

Regarding a prior open complaint, I was contacted by someone named XXXX  with Bridgecrest that states she works in the compliance department. She stated she reviewed all the calls I had regarding the extension request submitted that they denied without cause. They stated you need income to get the extension, which i have income, yet it was still denied. XXXX also lied to me several times. 

I called Bridgecrest several times over the course of the last 7 days and while my application for the loan extension was pending, I called in XX/XX/30 and spoke to a rep inquiring about the deadline to make a payment by XX/XX/XXXX or Bridgecrest would report to my bureaus that I was XXXX late. I had the money to make a payment that day but it wouldn't make sense to do that as once the extension was approved, I would be current. I asked the rep ( of course do not have her name ) about my credit reporting and that if I had to wait until monday, it would be after XX/XX/XXXX and they would mark me late. She stated verbatim " Oh you do not have to worry about that happening, you aren't even in a spot where that would happen. '' This rep ASSURED me on the call that regardless of whether my extension application was approved or denied, that Bridgecrest would NOT report me 30 days late. I accepted that and ended the call. 

XXXX lied to me several times on what i hope was a recorded call as well. Stating the rep never said it wouldn't be reported as late, which the rep did say. XXXX is lying to protect the company and I am BEGGING the CFPB to step in and get the call recordings along with the false information XXXX furnished to me and do something about this. XXXX Reviews can tell the CFPB all they need to know about the shifty business dealings of Bridgecrest and how they deceive consumers on a daily basis. 

XXXX stated on the call with me that Bridgecrest has ALREADY reported me late on my credit bureaus. I have no update while I have 3+ daily credit monitoring services. Meaning they may be intending to, but she stated they already did. Which of course is yet another lie furnished. This behavior is what led to the passage of the Dodd-Frank Act and what created the CFPB to begin with.
Consumer complaint received 2023-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I was scammed out of {$120000.00} from an outfit claiming to be XXXX, they fooled me into using XXXX-then proceeded to systematically rob me through XXXX, XXXX, XXXX gift cards and wire transfers .The wire transfers came from my account at Wells Fargo bank and went to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This drubbing started on XX/XX/XXXX, and they took about 3 weeks to steal the money up through XX/XX/2023.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2023, I began receiving emails that Bank of America had opened up online accounts in my name. I called immediately to report fraud. They froze the account but never shut it down. On XX/XX/2023, I had to contact them again since the accounts were only frozen and still not closed. I have had contacted again with them in XXXX, I was told all was handled and it was escalated. I received notice that on XX/XX/2023 now they are asking for me to provide them with verification of my identity to work the case. It has been 8 months and they have done nothing to take care of closing this fraud case. They have not provided me with any information from where it was opened, who opened it, how they identified the identity in order to open. I have had to file reports for fraud and BOA has done nothing to compensate my time or hassle while they have left this open.
Consumer complaint received 2023-10-27
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. (CA)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX 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 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 2023-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

My stundent loan balance is not {$170000.00}. Some of it was discharged recently and down to about {$100000.00}
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am the Victim of Identity Theft since 2015 been sending Supporting Documents to XXXX Transunion and XXXX for the last 6 years Identification Updated Bills Social Security Card Lease and still items remain that have been fraudulently from a hacker unknown keep disputing nothing is being done my name email and social have been compromised repeatedly sending in proof of who I am
Consumer complaint received 2023-01-24
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: DISCOVER BANK (NJ)

DISCOVER FINANCIAL SVC, my XXXX report states that I have hard inquiry from you guys. I did not apply for an DISCOVER FINANCIAL SVC product in the last 2 years. Please send me a letter via mail to the address on my CFPB file addressing XXXX to have those hard inquiries deleted please. 
Again, - XXXX wanted me to contact DISCOVER FINANCIAL SVC - Get DISCOVER FINANCIAL SVC to mail me a letter address XXXX to have those DISCOVER FINANCIAL SVC hard inquiries deleted, as they were not mine. 
- If possible, please expedite the mail. 
Thank you Dates from DISCOVER FINANCIAL SVC on credit report XXXX XX/XX/2022 2022
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Experian lowered my credit report by XXXX points in XXXX and is unable to explain why this happened. The other XXXX agencies raised my score by XXXX points because I paid off a {$10000.00} credit card. I have NO late payments, NO new debt, there is absolutely NO reason for this and they will not, can not explain why they did it. They advised I get outside help so I am contacting this agency and a lawyer.
Consumer complaint received 2022-12-08
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. (DE)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-10-06
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX ACCT. # 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.
Consumer complaint received 2023-10-04
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. (CA)

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 Balance : {$99.00} ; XXXX XXXX XXXX Balance : {$25000.00}.
Consumer complaint received 2023-02-07
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. (TX)

In XXXX my grandmother and i financed a XXXX XXXX XXXX with XXXX XXXX for {$11000.00}. I paid {$3700.00} to XXXX XXXX before my car was repossessed in XXXX of XXXX. After repossession the car was sold at auction for {$7500.00} covering close to all of the {$8800.00} that was left on my loan. I then received a letter from XXXX XXXX stating they would like to settle for less than the rest of the balance that was owed. After paying the amount to settle i was told to wait 21 business days in which the same thing still reflected on our credit scores. Between XXXX of XXXX and XX/XX/XXXX i was told on numerous occasions to wait 14 business days and i should see a change. It was once taken off completely then placed back with a even higher amount. I have continued to reach out and they tell me someone will call me back and no one ever does. I have everything in written documentation from XXXX and the creditor they sold my account to.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (CA)

I requested information from both Apple Card and Apple Cash on why I am not being able to access or redeem the {$25.00} Apple Card Family promotion that was deposited by Goldman Sachs in my Apple Cash account on XX/XX/2023. 
I spoke with several Apple customer service representatives and supervisors, and explained that I can not see or access the {$25.00}. Furthermore, I noted that I had filed a complaint with the CFPB against Goldman Sachs and received a response stating that Due to a system error, the {$25.00} was not added to the Customers Daily Cash balance within 7 days of the posted transactions as stated in the terms of the promotion. The Bank confirmed {$25.00} was added to the Customers Daily Cash balance in relation to the referenced promotion on XX/XX/2023. 

I contacted Apple multiple times seeking a resolution, to no avail ; eventually I was told by an Apple representative that Its ONLY XXXX dollars!! 

The delay tactics by Goldman Sachs and now by Apple is beyond frustrating. This should never be allowed to happen to any customers.
Consumer complaint received 2023-10-06
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 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 2023-10-04
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. I never written a letter to agree to furnish account without my consent. Consumer laws protect as this account violates my privacy against my will. its also a form of identity theft as well as my personal information is public. I will be filing a Identity Theft Report as well.

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 2023-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (UT)

CREDIT MANAGEMENT LP {$290.00} In collections by XXXX XXXX I have documentation that I do not owe this amount to XXXX, I owed {$82.00}. This amount is highly fabricated, and highly inaccurate. 

This account needs to show that it has already been taken care of.
Consumer complaint received 2023-06-07
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.