davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Re : XXXX, for which this is my XXXX complaint for inaccurate reporting and nothing has been done!!! I filed a complaint on XX/XX/XXXX today I received a email on XX/XX/XXXX th for experian saying that everything is correct on my report again, it is not and its not mine, this has been on my credit for sometime and they were reporting inaccurately for a while that a lone is prove for dismissal! At this point I will be sending information to the FTC and attorney general due to the fact that the CFPB is not doing their job correctly nor is Experian several violations are being broken and require in writing with names how this information was obtain and the list of phone numbers of people who were spoken to as well as verification methods. 
However, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect, due to the fact again this is not my account. So, According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C. 1681 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 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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Again, I would also like to know who they spoke with and how this was investigated.
Consumer complaint received 2022-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX ) in the ( BALANCE ) & ( PAYMENT STATUS ) section. Transunion is reporting a balance of {$7600.00} with a derogatory payment status, XXXX is reporting a balance of XXXX with a current payment status and, XXXX is reporting a balance of {$7200.00} with not applicable as the payment status now all three of these balances can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately.
Consumer complaint received 2022-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (FL)

Aldous and Associates are illegally furnishing data on my consumer report that XXXX is not mine or i dont remember opening these accounts. i never gave them any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2023-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023, I opened an ESTATE OF XXXX XXXX ( DECEASED ) account, with a {$100.00} deposit. This account was opened for the disbursement of funds held in escrow. 
On XX/XX/2023, late afternoon, XXXX XXXX XXXX, wired {$55000.00}, to this account. The account had no checks, or ATM cards issued by Bank of America ; Yet, someone using CUSTOMER WITHDRAWAL IMAGE, withdrew {$1000.00}, on XXXX XXXX. XXXX days later, CUSTOMER WITHDRAWAL IMAGE for {$10000.00} was taken from my father 's estate account. There are approximately {$55000.00}, taken from this account without my authorization, and without my knowledge. This had to be done within the banking system. Today XXXX XXXX, my account is overdrawn {$3.00}.
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I received a text from Bank of America in XXXX asking me to contact them about XXXX charges ( XXXX for {$470.00} and the other for {$19.00} ) that they were not paying until I confirmed that they were legitimate charges. The charges claimed to be from XXXX XXXX ( a company I had done business with at XXXX time but not after XXXX ). 

I called the number provided and told the person who answered that the claims were not legitimate and should not be paid. On the same phone call, the Bank of America representative and I agreed that my credit card should be canceled and a new card issued. According to an email I received from Bank of America, the new card was shipped to me on XX/XX/XXXX. 

According to Bank of America records, the charges I had confirmed were fraudulent were applied to my account on XX/XX/XXXX, and posted to my account the next day. These charges first appeared on my statement for the period XX/XX/XXXX to XX/XX/XXXX. By XX/XX/XXXX ( XXXX days after the statement date ), Bank of America issued temporary credits for both charges to my account while they investigated my claim that the charges were not legitimate. 

Since then, I have contacted XXXX XXXX, and a representative sent me an email at my request stating that they had not billed me anything since XXXX. Unfortunately, I accidentally deleted that email, but I am sure I can get it replaced. An internet search revealed that fraudulent charges claiming to be from XXXX XXXX have been an ongoing problem. 

Since XXXX, Bank of America has informed me that, " unfortunately, '' they were unable to honor my claim. When I gave them additional proof that I had not authorized the charges, they reopened their investigation and eventually made the same ruling. A representative of Bank of America explained to me on the phone yesterday that I had not filed my claim within the time allowed by Bank of America 's rules, as stated in their paperwork when I opened my account. I believe she said I had to do it within XXXX weeks. Clearly, I did meet that deadline because the bank statement that revealed to me that Bank of America had charged my account was not issued until XX/XX/XXXX, and Bank of America had responded to my claims by XX/XX/XXXX. 

At this point, Bank of America is stonewalling me. I have proof of everything I have described in this complaint.
Consumer complaint received 2022-12-13
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: Bread Financial Holdings, Inc. (OK)

COMENITYCAPITALBANK/XXXX, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Additionally, I exercise my right to opt out of any and all authorization I the federally PROTECTED consumer may have given COMENITYCAPITALBANK/XXXX whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX Balance : {$5200.00}
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
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: TRUIST FINANCIAL CORPORATION (FL)

My previous COMPLAINT Last year I step into BB & T also now known as Truist Bank located XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I originally went there to get a secured credit card without an inquiry the bank provided me with a physical application to fill out which I did before we submitted the application I asked if this is a soft pull or will I receive an inquiry the banker was unable to answer my question she said she will be right back with an answer for me just fully complete the credit card application before she speaks to the branch manager about whether or not I will receive an inquiry or not for applying. She came back with the branch manager and he explained that yes if I proceed with the application there is a credit inquiry. which I declined, left the signed application at the bank, and walked away. I left the next day I received an inquiry on my credit report. 


Truist claims they have on records indicating that they responded to my concerns by telephone on on XX/XX/2022. At that time, I was informed that I gave them a permissible purpose to review your credit which is false! 

Please provide with a copy of these " RECORDS indicating I gave you guys permission
Consumer complaint received 2022-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I asked Santander bank multiple times how to remove PMI since my home value has increased so much last couple of years. However, whenever I asked, Santander said I still needed to show that I could make three consecutive payment without any problem. 

What a nonsense.. after Covid forbearance, I've been paying off every month since XXXX XXXXXXXX Do they need more payment records?????????????? 

I think it's Santander 's greedy tactic XXXX XXXX XXXX XXXX XXXX How can I make them to stop the PMI charge on my mortgage payment?
Consumer complaint received 2018-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MD)

On XX/XX/XXXX {$620.00} was taken out of my checking account by PNC, bank and transferred to another checking account that is owned by my father. I was given no notification that this money would be taken out of my account, and it was all the money that I had in my account. I have my car payment that is supposed to come out of my account today which I was unable to pay, and I couldn't even afford to put gas in my car to go work and had to call out. Allegedly, my father 's account is negative and he is a joint owner on my account, and that is why they took the money out of my account. My father has been XXXX since XX/XX/XXXX, and has had no cash flow going in or out of his account so I am unsure how a transaction could even be posted on his account to cause it to become negative. I do not have access to my fathers account, and would not have known it was negative. I was told a " XXXX '' charge came out of his account and I was advised to take the issue up with XXXX. However, my name is not on my father 's XXXX account so they will not talk with me and XXXX is not the company who has taken money out of my account, PNC is. When I questioned why I was not even given notification I was told, " we don't have to notify you, it's our right to set off the account. '' I am extremely displeased with this transaction and will be terminating services with PNC, bank as soon as humanly possible.
Consumer complaint received 2023-06-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Your continuous inaccurate reporting is severely damaging my financial character. You are reporting information to my consumer report without permissible purpose. I have never provided you with explicit consent to communicate with me in regards to a collection of any debt. Follow reasonable procedures in good faith, Failure to comply will result in a private right of action.
Consumer complaint received 2024-05-04
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: WHEELS FINANCIAL GROUP, LLC. (FL)

I have a hard inquiry on my XXXX report from 800 LOANMARTXXXX  on XX/XX/2024 which I do not recognize or authorize and I want it to be immediately deleted
Consumer complaint received 2022-12-13
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. (NJ)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

XX/XX/2022 a judgement was filed against me. Before this all happened I tried to resolve it but got no where they kept leaving threatening messages and everything.. After I said I had no money.. Portfolio recovery. The amount was XXXX they threatened to have it on my credit report..
Consumer complaint received 2023-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

Received multiple notices from CCS regarding a {$280.00} charge for XXXX XXXX. I do not owe any money to XXXX, I have checked all statements and spoken to representatives. This debt is not mine. Recently, the debt collection has shown on my XXXX XXXX credit report resulting in a derogatory mark and a loss of 26 points.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (FL)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that cred it reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
Bankruptcy XXXX XXXX - Discharged : Account number : XXXX, This account is a result of identity theft. 
XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXXXXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 

I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k.

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Consumer complaint received 2022-12-06
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. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-07-29
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXXBalance Owed : {$250.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$40.00} ; XXXX XXXX XXXX Balance Owed : {$9500.00}.