davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
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: Synovus Bank (FL)

YES, I HAVE FILED DISPUTE OF FRAUD ACCOUNT FIRST PROGRESS WHICH IS A FRAUDULENT ACCOUNT AND HAVE SUBMITTED ALL REQUIRED DOCUMENTS AND A PROOF OF COPY OF THE LETTER OF RESPONSE FROM FRIST PROGRESS CREDIT CARD AND XXXX STILL REFUSES TO DO A PROPER INVESTIGATION WITH REMOVING ITEM OF MY CREDIT REPORT I WILL CONTINUE TO FIGHT FOR MY RIGHTS AND THIS IS A FRADULENT ACCOUNT REPORTING ON MY CREDIT FILE FIRST PROGRESS CREDIT CARD IS NOT MINES ITS A FRADULENT ACCOUNT.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I sent money ( $ XXXX ) through XXXX which was a scam ( a down payment for a pekingese dog ) and i contacted Bank Of America to help me and few days later they sent me a letter saying they are unable to help me. So what protection to i have?
Consumer complaint received 2016-04-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (ME)

In XXXX XXXX we filed a Chapter XXXX bankruptcy retaining our home at XXXX XXXX XXXX in XXXX, Maine XXXX. NationStar is not showing proof of payments made via the bankruptcy and stopped taking our payments. They have now started a foreclosure case against us and have not been sending statements since XX/XX/XXXX. Then in XXXX XXXX they sent a demand letter stating we need to pay {$14000.00} to cure our default. They cashed our checks up until XXXX XXXX. Our bankruptcy attorney sent a check for {$5000.00} where they were not accepting his payments and they returned this check back as well. This should have never happened as we have complied with our bankruptcy guidelines. We ask that you assist us in getting this problem rectified as soon as possible. Our home is also being shown for sale on XXXX, XXXX, XXXX, XXXX, etc and they can not sell our home as we have not been foreclosed on.
Consumer complaint received 2024-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have theight to privacy. 15 USC 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit and these companies are violating my rights as a consumer.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANKMOBILE TECHNOLOGIES, INC (NY)

I am a victim of identity theft. I am filing this complaint as I am attempting to dispute an account that was fraudulently opened at BankMobile using my social security number ( SSN ). The account in question, was opened using a different name and date of birth, but is confirmed to be matching my SSN. I have been advised to use the BankMobile reference number XXXX, which should be attached to the fraudulent account being disputed. 

I have provided BankMobile all necessary documentation that supports my claim of identity theft, including a completed fraud affidavit issued by the Federal Trade Commission, a police report with the XXXX XXXX XXXX Police Department, proof of my identity, proof of my social security number, proof of my legitimate residency, and a signed/notarized Limited Power of Attorney for XXXX to speak on my behalf ( who has been assisting me on this matter ). These documents were sent via USPS certified mail on XX/XX/2023 to BankMobile at XXXX XXXX XXXX XXXX XXXX NJ XXXX. The USPS tracking number indicates the documents were received by BankMobile on XX/XX/2023 at XXXX. 

XXXX and I have made numerous attempts to obtain an update on this disputed account, but have so far been unsuccessful, as BankMobile has been unwilling to assist us over the phone. I am requesting an immediate investigation into this identity theft matter, and expect to receive a release letter confirming the closure of this account and/or removal of my SSN. I expect any and all liability to be removed from my name and expect any reporting agencies to be corrected on my behalf. Thank you.
Consumer complaint received 2023-06-20
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)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My credit report is showing late payments to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX, XXXX. XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Creditor 's customer service representative.
Consumer complaint received 2022-10-19
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. (PA)

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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-14
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. (NE)

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (IL)

I spoke with Discover Credit card customer service on XXXX XXXX XXXX explaining that I MAY be consolidating my debt. I did not confirm at all. I called to make a payment on my account and they closed my account without my permission stating that they thought I was consolidating
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

I am a new member of Ally Bank. I desperately need someone's help. Upon signing up I made my first deposit into a bank account for {$5000.00} on XX/XX/XXXX via mobile app. I contacted customer service via app and was then told there would be a 5 day hold until XX/XX/XXXX. 4 days later on XX/XX/XXXX my account was locked. I spoke with someone named XXXX who said he was an investigator on XX/XX/XXXX who said I was under investigation for the deposit I made and that i would be locked out of my account until the check cleared. After that on XXXX I spoke to XXXX in the fraud dept who wasn't much help telling me an investigation is XXXX min but there was no timeline for when this would be resolved and then later XXXX on who was very helpful telling me the check would be clear on XXXX at XXXX and to call back on XXXX and my acct would be unlocked. I called numerous times on XXXX to regain access to my acct. XXXX in the fraud dept hasn't helped me fix anything and has hung up on me numerous times and keeps telling me that he nor anyone else can help me or unlock my acct. And that it will stay this way for an undetermined amount of time but that it would be a min of 30 days. For what I ask you the check? The check has cleared the funds have been taken from the bank account the check was drawn on and is in allies possession and still I have no access to my account of my money and worse I am being told by customer service and fraud dept that there is no one there that can help me and they can not provide me with any other information or transfer me to anyone that can resolve this issue. I have dealt with many banks and financial institutions in my days but have never in my life dealt with such a rude XXXX  and unwilling to help bunch of people which I have had to while dealing with Ally. I need someone to please help me resolve this immediately. I tried once again this morning XXXX to resolve this issue first speaking to XXXX who just hung up on me and then XXXX who said she couldn't do anything and there wasn't anyone else iI could speak too transferring me to her supervisors voicemail that says they will respond in XXXX hours but thats a lie as I've called and left messages for more than a week with no response whatsoever.
Consumer complaint received 2023-06-20
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. (MS)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Consumer complaint received 2023-08-14
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. (MD)

After receiving notification from all 3 Consumer reports, I have found after great measure, Transunion continues to report inaccuracies. VIOLATING my FCRA rights. I submitted on XX/XX/2023 a formal inquiry on the accounts listed below in this document. I requested an investigation for any incorrect information be investigated, if found inaccurate or unfounded to be removed from my Consumer reports within receipt of completed investigation of 30 days. I have requested several investigations over the past 60 days into these accounts with no response, Furthermore I have requested online investigations via Transunion dispute center and have received no response of accurate information. Transunion has returned updated, and validated responses in the past 7 months, and continues to report adverse inaccurate information on the following accounts : XXXX  acct # -Date of last activity incorrect, does not match all 3 XXXX XXXX -Close Date incorrect, does not match all 3 XXXX XXXX -Payment history does not match all 3 XXXX XXXX XXXXXXXX account XXXX -High balance inaccurate, does not match all 3 XXXX XXXX -Date of last activity incorrect, does not match all 3 XXXX XXXX  -Close Date incorrect, does not match all 3 XXXX XXXX -Payment history does not match all 3 XXXX XXXX  -incorrect credit limit, does not match all 3 XXXX  XXXX  account XXXX -High balance inaccurate, does not match all 3 XXXX XXXX -Date of last activity incorrect, does not match all 3 XXXX XXXX  -Payment history does not match all 3 XXXX XXXX XXXX account -Date of last activity incorrect, does not match all 3 XXXX XXXX -Close Date incorrect, does not match all 3 XXXX XXXX XXXXPayment history does not match all 3 XXXX XXXX XXXXHigh balance does not match all 3 XXXX XXXX XXXX XXXX account # -Close Date inaccurate does not match all 3 XXXX XXXX -Payment history inaccurate does not match all 3 XXXX XXXX -High Balance inaccurate does not match all 3 XXXX XXXX XXXX deleted the XXXX XXXXXXXX account reporting inaccurately By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. Unde

r U.S.C. 15 sec 1681g. It is my understanding that these items with are inaccurate. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this within 30 days of receipt of this letter. Failure to delete these inaccurate accounts above will lead to all legal proceedings against transunion for unlawful FCRA violations. Transunion has tied up my report for more than 60 days as documented in my complaint. Leaving me unable to verify if transunion is reporting correctly.
Consumer complaint received 2023-08-14
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. (NV)

I am a victim of identity theft and fraud. I have not opened these accounts and I have not received any goods, money or credit from the alleged corporations. I have sent the credit bureaus an identity theft police report from the FTC, and a notarized identity theft affidavit along with my personal identifying information. According to the FCRA subsection 605b any items dealing with identity theft should be removed in 4 days in which the corporation is past due. I would like the following items blocked/ removed from my consumer report immediately.
Consumer complaint received 2023-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions 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 2023-02-09
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: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15  days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2020-05-14
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. (MN)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX  XXXX {$120.00} XXXX XXXX {$750.00} XXXX   XXXX {$300.00}
Consumer complaint received 2021-03-11
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: Possible Financial Inc (OH)

I entered a consumer credit transaction with Possible Financial Inc. however they have violated my rights as I have not given authorization for the account information to be furnished on my consumer reports ... ..15 USC 1681d1 defines a " Consumer Report '' as : The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title ... ... I would like you to pay attention to the Exclusion outlined in 15 USC 1681d ( 2 ) ( B ) : any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ... .The credit card that I used to initiate these consumer credit transactions is my social security card. I have not given Possible Financial Inc the authorization to furnish this data on my consumer report. As the issuer of my credit card ( social security card ), I am demanding that the following accounts be deleted from my consumer report immediately.
Consumer complaint received 2023-09-05
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. (NY)

ACCORDING TO 15 USC 1681XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX -- IDENTITY THEFT XXXX XXXXXXXX XXXX XXXXXXXX -- IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

To Whom It May Concern, In addition to the inaccuracies previously outlined, I am also disputing the erroneous reporting of the XXXX account on my credit report, which further violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. Please review the following violations and update the records as required. This letter serves as an official demand for correction ; failure to act on these requests will result in escalated actions, including potential legal proceedings. 
XXXX Account ( Account Number : XXXX ) Duplicated High Credit and Credit Limit Values XXXX Equifax reports both " High Credit '' and " Credit Limit '' as {$3500.00}. This duplication is misleading and fails to comply with Metro 2 guidelines, which mandate accurate and distinct values in each field. Please correct or substantiate this data. 
Inconsistent Terms ( Months ) : Equifax incorrectly reports " XXXX '' months for the account term. For revolving credit accounts, " Terms '' should either be left blank or reflect the revolving nature. 
Please correct this field in accordance with Metro 2 standards. 
Conflicting Last Payment Dates : XXXX reports the " Date of Last Payment '' as XX/XX/year>, while Equifax and XXXX state XX/XX/year>. I request immediate verification and standardization of this date to meet compliance guidelines. 
Discrepancy in Last Reported Date : Different reporting dates appear for the same account XXXX ( XX/XX/year> ), Equifax ( XX/XX/year> ), and XXXX ( XX/XX/year> ). This lack of synchronization indicates negligence in maintaining accurate data. 
Inconsistent Comments Section : Each bureaus comments vary, showing : XXXX XXXX : " Account Was In Dispute - Now Resolved - Reported By Subscriber. '' XXXX  Equifax : " Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : " Dispute Resolved ; Reported By Grantor. '' These discrepancies suggest that the bureaus are not uniformly updating records, violating the FCRAs requirement for accurate, complete, and verifiable data across all platforms.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (FL)

On XX/XX/2022 I was XXXX XXXX XXXX in I need help with medical bills and getting my perceptions also Im out of work and not making any income at this moment Im {$20000.00} in back rent and hospital bills