davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
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: AMERICAN EXPRESS COMPANY (VA)

Before the pandemic I used to own a business, however I owed a balance of {$35000.00} to American expenses and I was paying every month on time until the business collapsed because the pandemic The loan was in the name of the business but American expenses put the credit on my credit report with affected my credit score from excellent to fair I reached out to them few times to arrange some payment to pay off the balance and they refused that time and their excuse back then was they didnt have any options for me So because I lost my business I was not able to make anymore payment They sent the charges against my credit report instead of of the business that I lost because of the pandemic
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a business banking account checking and savings with bank of American. 
I made transactions, deposits, withdrawals and debits. 
One of my clients wrote me several checks although one of them he stopped payment on and issued another I. Replacement. 
Bank of American accepted the deposits and confirmed w my client and then XXXX down my account after they collected the monies. 
Bank of America then alleged fraud all on their own even after speaking and confirming w client. BofA the states they were taking the funds and holding them indefinitely in hold harmless. 
They then recorded the transaction as a closing transaction, showing I had {$59000.00}. Which all of those funds belonged to me. 
As they said funds were being held on hold harmless. 
I sent over an indemnity agreement and they just ignored every other correction from me.
Consumer complaint received 2023-08-24
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (WI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT  NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2023-08-24
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. (LA)

I asked for verification from the 3 credit bureaus. They stated that everything was accurate. I conducted my own thorough research and saw that there were still improper inaccuracies after I was notified that that the accounts were accurate. These accounts are harming my financial life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Im very familiar with the consumer laws and according to the 13:30 15 U.S.C 1681 ( d ) ( 2 ) ( a ) ( i ) rules of construction-Exclusions 28:30 15 U.S.C 6801- Protection of non-public personal information 31:00 15 U.S.C 6802- Obligations with respect to disclosures of personal information 43:00 15 U.S.C 1692, states that I have rights as a consumer.
Consumer complaint received 2023-08-24
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
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)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

I have been submitting countless and multiple dispute letters as well as CFPB Complaints demanding to the Credit reporting Agencies to remove the fraudulent accounts and information completely from my Credit File. Despite the actions I have taken, the Credit Bureaus failed to comply with my requests in accordance with the Federal law. The disputed accounts and information that I have been disputing were still being reported on my Credit file. Once again, I need the following items removed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts as well as the information being reported resulted due to fraud and shoould be removed from my Credit file. I do not understand the point of the Credit Bureaus in continuing the reporting of these accounts despite the documents I have been sending to them requesting the deletion of these accounts completely from my Credit File.
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 — Account information incorrect
Company: EQUIFAX, INC. (GA)

I recently checked my credit report and I noticed numerous inaccurate accounts, inquiries and information on my credit report I've reached out to the credit reporting agencies to correct the issues but they did not please see the attachments included in the following complaints
Consumer complaint received 2023-08-20
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)

I obtained a copy of my credit report on XX/XX/2023 after I requested an investigation into a serious matter with the items being reported. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX . These items where never verified nor have I ever entered into any contracts with these corporations. According to 15 USC 1681 ( a ) ( 4 ) My right to privacy has been violated and now I am seeking further action against these corporations. XXXX has taken action by removing XXXX XXXX XXXX XXXX which indicates that there is no legit reason for the account to still be reported with the other agencies. However the other account XXXX XXXX XXXX needs to be removed as well.
Consumer complaint received 2018-12-13
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: Experian Information Solutions Inc. (CA)

I have a account with XXXX XXXX/ XXXX XXXX , account number XXXXxxx balance is {$9500.00} I'm Requesting this account to be deleted from the credit report based on the repo was not done according to California law. I already contacted a attorney and he said I have a case. so please delete this account from experian and XXXX. XXXX  already deleted this account
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom it may concern, Experian for violating the Fair Credit Reporting Act and my consumer rights. Experian denied all my disputes and Experian provided faults information Experian has damaged my reputation as a debtor and destroyed my creditworthiness. Whenever I file a dispute either Experian denies them less than 24 hours or Experian will not allow me to file any disputes. Experian has violated these Acts ( Title VIII of the Consumer Credit Protection Act ), third-party debt collectors are prohibited from using deceptive or abusive conduct. 15 U.S.C. 1681 the Fair Credit Reporting Act - The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. Experian being purposely report faults in information and low scores on my credit report to keep me stuck and bound to their faults and allegations. They have profiled my account with them and they retaliating for reporting and complaint about their misconduct to FTC AND CFBP.
Consumer complaint received 2023-08-24
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

[ XX/XX/2023 ] Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Documentation Regarding Verified Account Accuracy Account Number : XXXXXXXX XXXX that starts with XXXX Dispute Reference Number : XXXX Dear Experian Dispute Department, I hope this letter finds you well. I am writing in response to your recent communication regarding the accuracy of the account information in my credit report. The purpose of this letter is to kindly request further clarification and documentation concerning the verification process that led to the conclusion that the reported account is accurate. It is crucial for me to understand the basis for this determination, and I believe your assistance in providing specific details will help me gain a better understanding of the situation. 

In your communication, you stated that the account in question has been verified as accurate. However, I have some questions regarding the verification process : 1. How did you verify this account as accurate? 
2. Could you provide details about who you spoke to during the verification process? 
3. What was the time and date of your communication with them? 
4. Could you kindly share the names of the individuals you interacted with? 
5. Which department did these individuals work in? 
6. Can you provide a summary of the conversation you had with them, specifically regarding the accuracy of the account? 
7. Was any tangible proof or documentation provided during this process to validate the accuracy of the account? 

Given the importance of having a clear understanding of the verification process, I kindly request that you provide me with any and all documentation related to the verification of the accuracy of the aforementioned account. This could include notes from conversations, emails, letters, or any other written communication that outlines the steps taken to validate the accuracy of the account information. Please ensure that these documents include information on the method used for verification and any proof or evidence that was presented to establish the accuracy of the account. 

I understand that gathering this information may take some time, but I kindly ask that you provide me with these documents within 15 days from the date of this letter. In the event that you are unable to furnish these documents within the stipulated timeframe, I request that you promptly remove the disputed account from my credit report, as it is essential for me to have accurate and well-substantiated information reflected in my credit history. 

I appreciate your attention to this matter and your understanding of the importance of transparency and accountability in the credit reporting process. 

Thank you for your prompt assistance in this matter. I look forward to your timely response.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Please delete any other references to names as they are not mine and I have never used any of them. 

Please remove ANY other information you are currently reporting as they are NOT accurate. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX
Consumer complaint received 2023-08-24
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. (LA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MD)

My contractor 's email was hacked and was not notified until after I sent a wire transfer of {$14000.00} as the deposit for the work being done on my home. I verified the email, signature line, etc. was correct before I sent my {$14000.00} wire transfer on XX/XX/2023. The following bank information was provided. The beneficiary for my wire transfer was XXXX XXXX XXXX XXXX. 

Bank Name : Chase Bank Account Name : XXXX XXXX XXXX XXXX  Account number : XXXX Routing number : XXXX Unfortunately, Chase Bank accepted my wire transfer even though the account name was not XXXX XXXX XXXX XXXX. My bank, XXXX XXXX, was able to recover {$4900.00}, but I'm still out {$9000.00}. Chase Bank should not have accepted the wire transfer since the account name did not match the account number. 

A report was filed with the XXXX XXXX Sheriffs Department : Case XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2021-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (WI)

This company has removed a bill from my credit report before because it was fraud now a year later they put it back but they dont have the right to place this collection on my credit because they dont have all the necessary documentation needed to follow fcra guidelines. I call and complained they attempted to ask me for my full ssn but I only allowed them to have the last 4 digits the guy tried to say thats all he needed to verify the debt but he needs my entire ssn to verify a debt they also have no proof of ID card or social security card or even proof that I have ever stayed at the address where this service or what was obtained they have no proof of residency I have never paid a bill with att show me a proof of purchase or even a bill that was paid by me before you come damaging someones credit they are placing a falsified collections on my report I will seek all necessary legal actions against this third party if this is not removed immediately and the customer service rep hung up in my face because he was wrong and tried to swindle me out of my social security number that is illegal
Consumer complaint received 2018-05-03
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I am a Successor-in-Interest/Executor of my late mother s estate and appealing to the Consumer Financial Protection Bureau ( CFPB ) to intervene on the unfair practices of Bank of America. My mother passed away on XX/XX/XXXX. From that date to present, I have timely continued to pay the mortgage note because I am vested in the property as my name is on the deed and Deed of Trust. This is the home where I was born and raised and moved back to live with my mother for the past ten years to assist her in any way possible. Thus, it was imperative that I continue to pay the monthly mortgage payments on time. I contacted Bank of America for an assumption loan of the current unpaid principal balance of approximately {$160000.00} on or around XX/XX/XXXX. Although I intended to obtain an Assumption loan, the Bank of America representative encouraged me to apply for a loan modification. What concerns me is that I was constantly told the loan must be delinquent before I apply for the modification, which I believe is a potential violation of RESPA 12 C.F.R 1024.41 ( a ). Additionally, this advice appears to be an unfair practice ( UDAAP ) as I was being steered to purposely move the loan in a default status resulting in an imminent foreclosure. The XXXX CFPB rules clearly state that A borrower does not have to be delinquent to apply for a loan modification. I had no interest in defaulting and submitted application for the Assumption Loan which turned out to be a frustrating experience because Bank of America continued to request documentation that I had already submitted. Subsequently, I was informed that the loan was denied without a valid reason or notification ; this appears to be a potential ECOA violation ( 12 C.F.R 1002.9 Notification of Action Taken ). After discussing my options with Bank of America, I was told to apply for the better option of a modification on or around XX/XX/XXXX and went through another process of repeated requests for documentation that was also already provided. As I am clearly demonstrating that my primary interest is to prevent a default and keep my family home that is now valued at {$630000.00} with a current loan balance of approximately {$150000.00}. On XX/XX/XXXX, a Bank of America representative told me over the phone that my modification was denied because the mortgage loan was not delinquent. 

As a consumer and professional/government regulator, I initiated my mortgage acquisition process in good faith adhering to and complying with everything Bank of America required of me. However, Bank of America failed to treat me fairly, legally and without prejudice inclusive of potential racial concerns for the purposes of redlining and gentrification. I am appealing to the CFPB to intervene and review the practices of Bank of America.
Consumer complaint received 2023-08-26
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: CITIZENS FINANCIAL GROUP, INC. (FL)

I have a few hard Inquiries on my Credit that Im not aware of such as : Citizens one on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX