davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to priva

cy. 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 2022-12-23
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. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, and I have still found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) XXXX be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. CORRECT the account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
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. (IN)

I am in complete distress due to the credit bureaus violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent or written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit reports. They are breaking the laws set in place by the Fair Credit Reporting Act. They have broken the following Fair Credit Reporting Act laws : 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 : States a consumer reporting agency can not furnish an account without my written instructions Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. I would like each of the following companies deleted from my credit reports immediately : XXXX XXXX {$990.00} # XXXXXXXX XXXX XXXX {$350.00} # XXXX, XXXX XXXX XXXX XXXX {$5400.00} # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$11000.00} # XXXX. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-23
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. (NV)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/2022 I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate these items gives me a reason to immediately repair the items from my credit report, they should be promptly corrected. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the misleading information on these accounts : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-23
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

My aunt started a custodial account for my daughter. My aunt passed away in XXXX. On XX/XX/XXXX, at XXXXXXXX XXXX, I spoke with the Branch Manager named XXXX, who said they will hold the account until my daughter is XXXX with no fees. Beginning this year, Bank of America began charging fees and will not reverse the fees or close the account. Every month, they deduct {$5.00} in fees and the account has depleted from {$170.00} to {$130.00}. I went to speak with another branch manager over a month ago, yet the account remains open with fees being deducted and the manager said there is nothing she can do about it.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I had an account opened in my name with someone that used my identity. I reported fraud to Bank of America and they have yet to send me the information on how the account was opened. Ive spoken to the fraud department several times. Im speaking with them now on XXXX - XXXX from XXXX Bank of America Fraud department. 

I keep getting statements from Bank of America. 

I provided an email and they are sending again. I need Bank of America to close my account and stop sending me statements.
Consumer complaint received 2022-12-23
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. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2018-04-15
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: SYNCHRONY FINANCIAL (WV)

On my credit report through XXXX XXXX it shows a hard inquiry on XX/XX/XXXX from a XXXX/XXXX in which I did not apply for credit anywhere so I have no idea who this is or where this credit application came from. I did lose my wallet in XXXX XXXX, Virginia in XX/XX/XXXX-XX/XX/XXXX so not sure if someone has used my information from my information in my lost wallet.
Consumer complaint received 2016-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I refinanced my mortgage with Nationstar XXXX 2015. At the time of refinancing I had {$1700.00} in my escrow account and they only gave me credit for {$870.00}. I asked the closing attorney ( which they supplied ) and he said they would probably send a check. I just received a bill from the for {$300.00} because of an escrow shortage. I called and spoke with XXXX and she says that that money was applied to something else however she could not tell me what. But that my escrow showed an overage and if they sent it to me i would just have to send it back to them. I asked her was it even legal to just disperse my escrow money as they saw fit. I have called several time and left voicemail messages for her ( XXXX XXXX XXXX ) but she will not return my call. So I have {$870.00} floating around somewhere. I was not told it would be used for closing cost as I was under the impression that I did n't have any.
Consumer complaint received 2023-08-08
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. (CA)

I am writing to bring to your attention significant discrepancies that I have discovered in my credit report concerning several accounts. I am deeply concerned about the accuracy and fairness of the information presented in my credit report, and I would like to formally request your assistance in resolving this matter promptly. 
Upon reviewing my credit report from Experian along with XXXX and XXXX, I have identified major inconsistencies in the account information. The discrepancies relate to the following accounts : XXXX XXXX XXXX XXXX Discrepancy : Number of late payments differ between reports XXXX XXXX Discrepancy : Payment history differ between reports, 2 accounts with same account number but different balances and information XXXX XXXX Discrepancy : Number of late payments and payment history differ XXXX XXXX Discrepancy : Payment History differ XXXX XXXX XXXX XXXX Discrepancy : Payment history differ I have taken the necessary steps to verify the information provided by these accounts and have found discrepancies between what is reported on my credit report and the actual facts. The inaccuracies in the report have a significant impact on my creditworthiness and financial reputation, which could potentially hinder my ability to access credit, loans, and other financial opportunities. I have already asked the credit reporting agencies to investigate my reports and not only did they take longer than 30 days to respond they did not fix any of the mistakes. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate or incomplete information on my credit report. Furthermore, I would like to bring to your attention that the discrepancies I have uncovered in my credit report are substantial and require immediate attention as per the guidelines established by the FCRA. 

In light of these findings and under the provisions of the FCRA, I formally request that you take the necessary steps to investigate and rectify these discrepancies. I kindly ask that the incorrect accounts be removed from my credit report without delay, as they are not a true reflection of my credit history. By law, I am entitled to an accurate and fair credit report, which has a direct impact on my financial wellbeing. 

Enclosed with this letter, please find relevant documentation supporting my claims and outlining the discrepancies I have identified. I kindly request your prompt attention to this matter and a written confirmation of the actions taken to rectify the inaccuracies. 

Thank you for your time and consideration. I look forward to your swift response and resolution of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-31
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. (GA)

I Looked at my credit report on XXXX XXXX, XXXX. I was informed that my credit report has unauthorized hard inquiries also some inquiries are over their removal date. I also have the evidence. ACCORDING TO 15 USC 1681B FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES OR KNOWNINGLY WITHOUT A PERMISSIBLE PURPOSE. 


1. ( XXXX XXXX XXXX, XXXX, XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 2. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 3. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 4. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 5. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 6. ( XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 7. ( XXXX  XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 8. ( XXXX  XXXX XXXX XXXX XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 9. ( XXXX  XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 10. ( XXXX XXXX XXXXXXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 11. ( XXXX  XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 12. ( XXXX XXXX XXXX XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 13. ( XXXX XXXX  XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B I WOULD LIKE THESE ACCOUNTS REMOVED.

ACCORDING TO 15 USC 1681B FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES OR KNOWNINGLY WITHOUT A PERMISSIBLE PURPOSE.
Consumer complaint received 2022-12-23
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. (CA)

I have a loan with XXXX XXXXXXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except XXXX days past due, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. The XXXX credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at The XXXX credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Ive never been behind on my payment. I tried contacting the XXXX Credit Bureaus and the XXXX XXXXXXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for XXXX XXXX accuracy. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$270.00}.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M1 Holdings Inc. (NY)

Thu, XX/XX/XXXX, XXXX i wrote them : i would like to close my account and cancel my membership they responded : Thu, XX/XX/XXXX, XXXX Your request ( XXXX ) has been updated. To add additional comments, reply to this email. 

Hi XXXX, Your M1 account ( s ) has been closed. 


but later in XXXX they wrote to me : Thu, XX/XX/XXXX, XXXX ( 5 days ago ) Invest Negative Account Notice Hi XXXX XXXX We have identified your M1 Invest account, XXXX, currently containing a negative balance of XXXX XXXX 


Because they continued to charge me for the membership fee
Consumer complaint received 2023-11-03
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. (PA)

I have not supplied proof under the doctrine of the estoppel by silence, XXXX XXXX XXXX, ( MO ) XXXX XXXX XXXX, I pressume that no proof of the alleged debt, nor therefore, any such debt, in the fact therefore exist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (NC)

I purchased 3 products from BestBuy on XX/XX/XXXX and used My BestBuy credit card issued by the Citibank for their 18-months no interest payment plan. The customer service desk person at the local BestBuy store in XXXX, NC had set up {$85.00} monthly installment for the period of XX/XX/XXXX through XX/XX/XXXX. I was not informed why and how they set up this monthly {$85.00} amount. At the end of the 18-months plan, in XX/XX/XXXX $ XXXX a balance payment, which they never notified me and charged an interest of {$550.00}. So, total balance went up directly to {$700.00}. I noticed this unfair business practice in XX/XX/XXXX as I saw that my monthly payment was and is still being paid from the autopay arrangement. 

I went to the local BestBuy store in XXXX, NC and reported this issue to their customer service desk. Although, My BestBuy card was issued and all the business was done at their desk, they refused to accept their responsibility and said that " this issue is with the Citibank and we can't do anything. '' So, I talked to the Citibank customer service over the phone. As problem did not resolve, two days later I again called Citibank customer service and this time talked to their supervisor. She was little considerate and said that she has put a note for her supervisor ( so, it was supervisor 's supervisor ) as he was not there due to the weekend. I again called on Monday with reference to that note. But the person that time said, they can't do anything and closed my account without any resolution and reported to credit bureau that will affect my XXXXredit score, which I earned over a decade with honesty. 

Now I am helpless to know, XXXX. Why and how monthly installment of {$85.00} was set up without my knowledge and XXXX. Why I was not notified at least once of the balance amount of {$150.00} that I could have surely paid right away and avoided these complications. My history with them is all loyal and clean. This is ridiculous that an interest of {$550.00} is charged on the balance of {$150.00} and no one is taking responsibility to treat me fairly. 

Hence, I am reaching out here to seek justice for me. 

Thank you Best regards