davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
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. (OH)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX
Consumer complaint received 2023-06-09
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

A utility account from XXXX XXXX was opened on XX/XX/2023 and closed a month later. address used was XXXX XXXX XXXX XXXX TX XXXX, account # XXXX
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XXXX, XX/XX/24, I received a notification on my phone, from Bank of America, regarding a fraudulent charge to my account. The charge was for {$50.00}. I responded via text that NO, I did not authorize the charge. Right after that, I received MULTIPLE phone calls from the Bank of America phone number XXXX. I was already panicked about the fraudulent charge, at my elementary school where I work, WORKING ... .and with the amount of times that my phone rang DIRECTLY FROM A BANK OF AMERICA LINE... I finally picked up. 

The gentleman on the other end of the phone impersonated a bank employee, listed off a fake employee number, and told me that there was a large XXXX transaction that had been made, fraudulently, and that I needed to put in these codes to " retrieve my money ''. That was a lie. I was already stressed with work, getting my son to school, a fraudulent charge, and so I wanted to remedy the fraudulent XXXX charge as quickly as possible. My mistake, I didn't think that someone could tap into a SECURE LINE with Bank of America to commit fraud. {$2400.00} was stolen from me by someone impersonating a BOA fraud representative from the very same number that is the ACTUAL fraud number for BOA. 

I submitted all information to Bank of America and just received a letter that stated that my fraud claim is being denied. 

Bank of America is not holding itself responsible for someone hacking into their secure line and taking advantage of their customers. The language that they use to warn against fraud is limited. They don't care that someone is literally using their phone number to conduct business. Millions of customers trust BOA with their money, their credit, their savings, and their lives. How can we trust a bank that won't take responsibility for their security shortcomings? They KNOW that this is happening and they are doing nothing. I have been a BOA customer for upwards of XXXX years and I am appalled at their lack of concern.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (TN)

On or about XX/XX/2022, I received a Navy Federal Credit ( NFCU ) credit card of which I did not apply for, on or about XX/XX/2022 I received a credit card statement in the amount of {$7500.00} XXXX immediately telephoned NFCU to report the suspected identity theft to which they said they would look into it, they also advised that I alert all credit reporting agencies of the situation. During that call the customer service rep indicated that I complete a Declaration of Forgery/Fraud document and return to them. I completed the form and returned along with the unused credit card, the statement and sent via XXXX certified return receipt. 
I have received the XXXX receipt indicating that the documents were received however I received the next month 's statement, upon receiving that I telephoned again and explained the situation and they claim that the did not receive the documents and suggested that I send the Declaration of Forgery/Fraud via email of which I did. 
I have now received a letter from NFCU stating that legal action will be taken as this account is in arrears. I have reached out no less than XXXX times to NFCU for relief asking that this matter be rectified, and my credit be restored, and this account be removed from my name along with a letter indicating such. 
I am seeking relief and guidance to clear my name and credit of this unauthorized use of my name and information.
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (MO)

Note to Customer Service at Amerisave Mortgage Subject mortgage loan In reference to my XX/XX/2022 mortgage payment. 
This was verified on the phone with customer service on XX/XX/2022. 

My mortgage is roughly {$1400.00} and due on the first of each month. 
I sent in partial payment on XXXX XXXX of {$1000.00}. to be applied to my XX/XX/XXXX payment. I then sent in the remaining {$450.00} on XX/XX/XXXX to be applied to my XXXX mortgage payment. 

The {$1000.00} that was sent in on XX/XX/2022 was applied to principle and not my XX/XX/XXXX payment. 

Amerisave mortgage was in the middle of selling our loan to XXXX XXXX 
When I called Amerisave mortgage in XXXX when I received notification that I was overdue, they had already put a mark on my credit as a late payment. My understanding is your payment is not late until the XXXX of the month. They said I needed to obtain a credit report to show them that they made the error? 

While I realize my credit is normally outstanding, over XXXX, it is now in the mid XXXX. 

My loan was sold on XX/XX/XXXX to XXXX XXXX and they reversed the principle amount to be applied to my mortgage. My complaint lies with Amerisave Mortgage in applying a mark to my credit, when my payment was not late. 
Please help me resolve this issue. 

Thank you
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is 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 2023-09-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Unifin Inc. (KY)

On XX/XX/XXXX of this year, I received a letter from Unifin about a 15yr old debt. It included interest and fees more than double what the debt is. 
It also stated that a judgement was brought against me in XXXX  of which I have no knowledge or can't remember. It does not list which court. 

This debt is not on any credit report and is over 15yrs old I contacted the credit report agencies and they don't see it on any reports either.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (PA)

Someone tried to apply for a CC in my name for XXXX XXXX CARD CREDIT CARD. Hard inquiry was on XXXX Credit Report and XXXX soft inquiries were also on my report. I was sent a letter in mail about needing more information to open a report. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Ohio XXXX. I was told to call XXXX.
Consumer complaint received 2022-11-29
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. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-05-30
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: CITIBANK, N.A. (VA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE CITIBANK NA XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type XXXX XXXX XXXX Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CO XXXX XXXX CO - XXXX CO - XXXX XXXX XXXX XXXX ND XXXX XXXX ND XXXX XXXX ND XXXX - ND XXXX - XXXX XXXX - XXXX XXXX - XXXX PAYMENT HISTORY XXXX XXXX Account charged off. {$1200.00} written off. {$1200.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at consumer 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (TN)

I was sent a Milestone Master Card that I did not apply for Then I received a bill for that card. That card was disposed of when I received it. Now the company won't close the fraudulent account or cancel the amount owed. They said I had to file a complaint first.
Consumer complaint received 2022-12-21
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. (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 XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX XXXX 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 2024-03-06
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing ; Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX  XXXX Account XXXX XXXX This charged offs account are reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-04-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (MD)

I reached out to the company about paying off the balance in XXXX. My Balance at the time was XXXX dollars. I was told I could not pay the balance off because of legal fees. However, I have not been delinquent with this account since 2016. In XXXX my credit report notified me that XXXX increased my balance by XXXX. They added this amount with out me taking out another loan. I fear that this company is trying to keep me in debt to them. This was a 6 year loan and this is the sixth year. Please Help me!
Consumer complaint received 2022-12-21
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. (FL)

I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX In accordance with the fair credit reporting act XXXX account # 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 an account without my written instructions
Consumer complaint received 2022-12-21
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 asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX In accordance with the fair credit reporting act XXXX account # 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 an account without my written instructions
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX I noticed that both my business and personal checking accounts were no longer present in the app. When I went to a branch I was told to call a number, when I called it was the risk management and no one is telling me a reason why my accounts are closed but I was told they are being closed due to them no longer wanting to do business with me. My account was in the process of being closed, I tried to get an understanding of what was going on but no one at all would explain or help me understand. On XX/XX/XXXX I spoke with a regular rep and a sup and was told by the sup that the account was technically still active and I could withdraw the funds. It was XXXX at that time and my local branch didnt open until XXXX. I arrived at the bank around XXXX and waited until they opened. At XXXX I entered and was told the account was not inactive and I could not do anything about it. I was advised I would receive a check when the account was fully on XX/XX/XXXX!!! As of XX/XX/XXXX I have no way to pay my employees on XX/XX/XXXX or funds to conduct business
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (GA)

Ive previously disputed account XXXX on my credit report and Experian continues to update the status of the account without verifying its validity and accuracy. Previously it was reported as open now it reports as discharged in XXXX  XXXX bankruptcy. An inaccurately reporting bankruptcy was removed from my credit report as of XX/XX/2023 due to its inaccuracy. Therefore, the reporting of this XXXX account is INACCURATE and is violating my consumer rights and hindering my credit score. Theres no way this account should be reporting as included in a bankruptcy that does not exist or belong to me ( per the deletion which shall remain deleted ). I am in the process of obtaining legal action against Experian for inaccurately reporting accounts on my credit profile.