davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America N.A. has denied my open ended credit application # XXXX under my Small Business XXXX XXXX XXXX. 

Please express your denial claim under sworn penalty of perjury letter or an affidavit of Truth on record lawfully. 

Once you are unable, please provide the maximum amount of credit extended upon my request, {$100000.00} USD. 

Bank of America is in violation of 12 CFR 1002.7 Rules concerning extensions of credit. ( b ) Designation of name. A creditor shall not refuse to allow an applicant to open or maintain an account in a birth-given first name and a surname that is the applicant 's birth-given surname, the spouse 's surname, or a combined surname. 

15 US Code 1681 a adverse action ( k ) section 1 Adverse definition 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. 

15 U.S. Code 1602 - Definitions and rules of construction Defines creditor, credit card, etc, I am the Original creditor.

12 CFR Part 1002 - PART 1002EQUAL CREDIT OPPORTUNITY ACT ( REGULATION B ) 15 U.S.Code Subchapter IV 1691 EQUAL CREDIT OPPORTUNITY 1691 ( a ) scope of prohibition and what Im entitled to per my rights via discrimination 1691e ( civil liability ) for taking adverse action with my as said application U.S. Code Chapter 41 Consumer Credit Protection Penalties 1691 ( a ) rules of construction 1691 ( d ) consumer Report Exclusions subject to 1681 s-3 Nondisclosures WITHOUT MY CONSENT Ive applied in good faith, which I have the full faith and credit backed by the United States XXXX 

Complete case of identity theft and discrimination in which Bank of America N.A. will securitize my application while still denying my request of open ended credit. 

Please adhere to my requests below.
Consumer complaint received 2022-11-28
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)

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5500.00} Status Account charged off. {$25000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$620.00} XXXX Account charged off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2400.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : not my names XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX  XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX family XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX STATE XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-08-08
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. (NJ)

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation.

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

**Name of Account and Account Number** : XXXX XXXX XXXXXXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I m been trying to get incorrect information off my report that never give consent to reporting on. Plus all of the incorrect information are out of dates statue of limitations and the balance are wrong as well. The collection agency are not legally allowed to work in the state I live, plus I being charged more than once for the same bills of which are over 6-8 years old. Im a XXXX XXXXXXXX person who been on XXXX for over 23 years. There is also wrong reporting of my personal health and insurance information and this wrongful reporting is costing me very stressful time unable to access insurance help caused of its miss reporting. Its causing my health care to fail and my family finances to suffer. Im really struggling to get through to the people who is involved in fixing these problems on m credit reports. One of the reporting agencies has been helpful they the proper charges for making my report accurate but has one still wrong. The show opened account that at also showing closed and the balances are wrong to. This information is not accurate because I never received any notification from the consumer reporting agency about the debit or doctor bill that they are reporting on. No verification has been provided to me yet my personal information is publicly known and accessible by any one. I can not get into my home without help. I have identity theft because of the reporting wrong information my SSD benefits have been stolen and the security system has failed because of the wrong information reported by these companies and agencies selling my data.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm begging you to update this acount and I never had a reposesion on my account. you ASAP action greatly appreciated.
Consumer complaint received 2023-06-29
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. (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 15 USC 1681. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-06-29
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. (WI)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX and transunion fail for provide factual documents about these accounts : XXXX XXXX and XXXX XXXX
Consumer complaint received 2021-01-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I mailed letters to the credit bureaus on XX/XX/2020 and I haven't received a response. The information I found on my credit report is inaccurate and I know with covid there might be a slight delay in the response. The fact the credit bureaus are not responding makes me feel like they are ignoring me. I went online and saw this is happening to other people as well. I found that their failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report and it has been over this time. I'm requesting the accounts be removed from my credit due to their lack of responding. If nothing is done I'm going to file for litigation and I'm hoping you can help me because this stressing me out. Please help me.
Consumer complaint received 2021-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: KEYCORP (OH)

Key Bank put out a notice. I first saw this notice on Thursday XX/XX/XXXX on my mobile banking app. The notice stated that the company was taking this time to process payments and the funds would be available at XXXX, specifically, on Monday XX/XX/XXXX. It is now after XXXX and from what I can see, nobody has received their payment. When anyone calls, they are told that they ( Key Bank ) does not have an answer for this and if it is not shown to be pending then the customer would not be receiving payment. Customers were also told " if you didn't get it by now, you're not getting it '' Which is completely untrue, unless it was stolen by the bank, during processing.
Consumer complaint received 2023-06-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-03-05
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. (CA)

I sent a letter certified mail XXXX on XX/XX/2024 with documentation of a medical collections account that you are reporting on my credit report. This account needs to be removed from my credit report immediately because it is inaccurate. I asked for " validation and not " verification '' of debt. California XXXX XXXX provided me with information that clearly violates my XXXX rights. You are required to delete this account immediately upon receiving my letter. Experian, you have had more than enough time allowed by law to investigate this account. You have failed to provide any proper due diligence from your investigation. Delete this inaccurate account from my credit report immediately.
Consumer complaint received 2023-02-02
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-29
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. (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 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX 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 privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-27
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. (OR)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

I have did several disputes with Experian and they have violated so many laws. When I have disputed the Bankruptcy on my credit report, how it is coming back verified is a pretty SUSPICIOUS thing! The United States Bankruptcy court does not report any information to the credit bureaus and IS NOT responsible for verifying OR validating information from consumers ' credit files. Please report back to The Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Delete all inaccurate information that I have disputed because clearly the verifying and validation tactics Experian use are incorrect and inaccurate. Also, BY LAW & THE FAIR CREDIT REPORTING ACT you all are suppose to be reporting close to the other credit bureau and as I see here XXXX is the ONLY one reporting correctly so therefore, YOU ALL NEED TO REPORTING THE SAME INFORMATION AS XXXX!
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-05-19
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)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-29
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-19
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)

I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The following account is not mine XXXX THE GENERAL IN COMPANY Account Number : XXXX*Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXXIdentity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Date opened is not accurate across all credit bureau High Credit is not accurate across all credit bureau credit limit is supposed to be accurate last reported is not accurate date of last active is not accurate across all credit bureau date of last payme XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2020-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (AL)

I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.