davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was contacted through text message for a job interview on XXXX, XXXX. The phone number XXXX XXXX XXXX text message stated Hello, You have received this text regarding the Work From XXXX for XXXX  XXXX XXXX XXXX Position. You are required to download and set up a XXXX XXXX  Account and if you have one already, use it to add XXXX XXXX XXXX the Hiring Manager, and XXXX him Via XXXX XXXX  with this link ( https : XXXX ) and connect with her for your interview. Here is your Verification/Hiring Code : ( XXXX  XXXX ). Thank you!. I contacted them through XXXX  and I spoke with XXXX XXXX through chat. I got the job. On XX/XX/XXXX I got email XXXX to submit and employee verification form along with my driver license. Then on XX/XX/XXXX XXXX XXXX told me that I would be receiving a check of XXXX to purchase the necessary equipment. I deposited the check and then XX/XX/XXXX They told me to send XXXX money a XXXX at a time, twice and then XXXX before I caught on that it was a scam
Consumer complaint received 2022-12-01
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. (NY)

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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX 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 XXXX, Equifax, and XXXX 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 ( XXXX ), 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 Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$160000.00}.
Consumer complaint received 2022-11-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than XXXX years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (TX)

I know hard inquiries on my credit report without my authorization. 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 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 Some inquiries on on my report twice.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (MO)

For almost 6 months now, I have struggled with the card being randomly declined even when not carrying a balance. Their website was down for a long stretch then, not allowing me to make payments or monitor my account. Their website has been down for almost a week again. I am on paperless billing so have no way to monitor my account against fraudulent charges! 
I have been forced to make minimum payments without being able to check my account transactions to insure they are legitimate charges.
Consumer complaint received 2023-03-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 2 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 this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Opened XXXX XXXX, 2019 Balance {$8300.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, 2019 Balance {$8700.00}
Consumer complaint received 2018-10-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates acquired my XXXX XXXX credit card account that unfortunately went into collections for non-payment. The balance owed was approximately {$2300.00}. 

On XX/XX/18, I called PRA to inquire about settlement options to resolve the matter as soon as possible. I was able to negotiate a reduced balance of {$1300.00}. On that day, I made a payment with my debit card in the amount of {$600.00}. The representative that I spoke with stated that I could pay the remaining balance in 6 monthly installments of {$120.00} each. I advised that I would submit payments via check because 1. ) I was already previously the victim of identity theft and 2. ) The card that I made the payment with over the phone was damaged and I was in the process of replacing it. 

Approximately one week later, I started receiving notices via mail from PRA stating that the card that I specifically DID NOT give authorization to establish an installment plan on would be charged {$120.00} for six monthly installments. 

On several occasions, I called PRA to advise that I didn't grant permission to charge THAT card any more than the {$600.00} paid XX/XX/18 and called my financial institution to block any PRA pre-authorizations on that card. In the meantime, not once was I late or missed a payment since the installment plan was established. As a matter of fact, I mailed a check each week in the amount of {$32.00} beginning XX/XX/18 to PRA which totaled {$120.00} per month ( more than the agreed upon installment plan ). Please see the supporting documentation. 

On XX/XX/18, I called in to submit a final payment of {$160.00} to finally settle the collection account only to be told that my balance was {$1000.00} because according to them, I violated the terms of the settlement agreement. 

I am of the belief that PRA reneged on their offer and I would like to have a third party intervene and come to an objective agreement so that I can finally resolve this matter.
Consumer complaint received 2023-05-26
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. (CA)

Previously on my last complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 2021-03-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, OR XXXX Disputed charge XXXX On XX/XX/XXXX I purchased a lounge knit set in a size medium which included the colors kaki, an off white and pink. The image displayed a set which was a top, bottom pjs and a robe. I received the package around 2 weeks after I purchased the items. The sizing wasnt as it claimed to be. The off white was smaller than the other two colors and the 3 sets didnt include the robe. The other two colors were still kinda small on me. I emailed XXXX at XXXX and XXXX which was the XXXX page, to do an exchange or a return and until this day ( XX/XX/XXXX ) I received no response. The sizing that is referenced is off. Im not satisfied with the purchase because I cant even wear it comfortably. Im requesting my funds to be returned. If you go on XXXX at XXXX, there are many reviews with my similar concerns. Hopefully my issues can be resolved. 

I attempted to open a claim with Bank of America. I opened a claim on their mobile app. I reicced a notification a couple days later saying they needed me to submit additional information, which I did on XX/XX/XXXX. I had issues with their site. I called this day and the person I spoke to said I had to fax in the information. I called later that day and faxed them multiple times due to using a fax machine app. The person I spoke to said they received my information and documents. Then on XX/XX/XXXX, I get a email saying they denied my claim because either my documents were incomplete or not received. I called this day and the person I spoke to said they never received my documents.
Consumer complaint received 2017-03-16
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (MD)

I disputed a {$100.00} Chase credit card charge for gas at a XXXX in California incurred on XXXX/16. I live in XXXX and was working in XXXX that day, as shown in my credit card statement. I disputed the charge, and Chase resolved it by telling me that because the credit card reader at the fuel pump read the magnetic stripe on my card, I authorized it. ( The charge was not signed ). I insisted to Chase that I was not in California, and it is well known that credit card magnetic strips are skimmed by fraudsters. They will not reconsider.
Consumer complaint received 2023-01-11
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. (NY)

XXXX XXXX ACCOUNT ending in XXXX was charged off in XXXX  and paid in settlement. New York XXXX FCRA mandates that this account be deleted from my personal credit report. I have reached out to TransUnion to have account removed, as well as XXXX XXXX. This behavior is abusive on their part, even with laws on the books they still skirt the law. See XXXX XXXX XXXX ( f ) ( iv )
Consumer complaint received 2022-11-23
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. (GA)

Subject : Complaint about Information in Credit Report : Bankruptcy I am writing to file a complaint about inaccurate Bankruptcy the following information in my file.. 

This item ( see attach ) is inaccurate because I have never had Bankruptcy before in my life. This information is false which is claimed to be given to them by the court the courts ( see attach ) does not report information to any credit reporting agency. I am requesting that this item be removed at once to restore my accurate report of my credit. 

Enclosed is documentation supporting my request : a copy of my credit report. that all three agencies are reporting non facts about me every having a backrupty and that the information is coming from the courts. 

Requesting this information be removed from all credit reporting agency as soon as possible. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-26
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. (WY)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.
Consumer complaint received 2021-03-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (VA)

My former fiance ' and I refinanced with another company as of XX/XX/2020. Due to domestic issues, we can not have any contact with each other per current civil court proceedings. A check regarding escrow was issued XXXX 2020. As we can not have any contact and as we never had a joint bank account, the check can not be cashed by either party. I requested the check be reissued to the county for its intended purpose, which is to pay taxes on property. There has been no response.
Consumer complaint received 2023-04-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

Received a phone call from number XXXX claiming they were Bank of America Fraud Dept. They provided a reference number to use in the message they left when I missed their initial call. The message said to call them back at number XXXX. They claimed a Bank Americard Master Card was applied for in my name and wanted to verify that it was me. I informed them that I had not applied for that card. They put me on hold a couple of times to verify things. It all seemed legitimate until the last hold where the female representative came back on and said that the application was cancelled and to check for other applications entered under my name, they needed my social security number and date of birth. At this point I said I was not giving out that information and ended the call. Not sure if this was legitimate or not, but tend to believe that it wasnt due to the request for my SS number.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Ive been writing your company for numerous months. By listing these accounts in this dispute they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. 

This is my last request ; I have also submitted a copy of this letter to the Federal Trade Commission, alerting them that I have signed receipts for letters delivered to you
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$240000.00} ; XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-05-26
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. (CA)

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need deletion : XXXX  XXXX XXXX .... Balance : {$700.00} XXXX XXXX .... XXXX : {$530.00} XXXX XXXX XXXX XXXX .... Balance : {$1500.00} XXXX XXXX .... Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX  XXXX .... Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$10000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX .... Balance : {$650.00} XXXX  XXXX XXXX XXXX Balance : {$520.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$780.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX XXXX .... Balance : {$530.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-12-05
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. (AK)

XXXX; XXXX  and Transunion are reporting duplicate entries for a collection/charge-off in the amount of XXXX on the the XXXX XXXX  – partial account number ****XXXX.  (Please see pages 6, 9 and 10 of the attached credit report.)  The duplicate entry of this account is seriously harming my credit score.  It is a violation of the Fair Credit Reporting Act to report in error duplicate entries on the same account.  Please remove this line item from my credit report.  I have contacted the (3) bureaus to remove this item however, I have not been successful.