davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is my second complaint being filed with the CFPB. A fraudulent business bank account was opened using my information back in XXXX according to XXXX and the information on that account is now being merged with my personal account which was closed back in XXXX. The time frames of the account does not match so it cant possibly be correct. This is a violation of the FCRA and the Gramm Leach Bliley Act. I spoke with several people over the phone and filed claims, but they refuse to help me or send me any confirmation that I can take to XXXX to clear my name with this issue. ( They also can not find the claim even though they gave me a claim number which means they didnt even care to file the claim. ) The supervisors are all rude and incompetent, no one knows what to do or even who to transfer me to. I constantly get transferred XXXX or 4 times per phone call back and forth to the same departments and no one tries to help me. They all tell me to call XXXX, and when i do XXXX  refers me back to bank of america since they are furnishing the information. They refuse to give me any requested information and try to rush me off the phone when i try to call them, they also ignore all of my written letters. Bank of America has opened dozens of fraudulent accounts in the past and is currently being investigated by the CFPB for similar issues as this.
Consumer complaint received 2023-04-23
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: SYNCHRONY FINANCIAL (MS)

My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Consumer complaint received 2023-09-07
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. (IL)

Experian XXXX and XXXX Has violated my consumer rights by reporting accounts related to identity theft 15 U.S. Code 1681i - Procedure in case of disputed accuracy please proceed accurately Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs. 

all documents attached to proceed with Deletion Police Report, FTC REPORT, XXXX XXXX XXXXXXXX, and dispute letter attached 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 



HERE ARE THE IDENTITY THEFT ACCOUNTS & INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I was informed by identity has been stolen when my wife tried adding me to her lease and was denied. This person has my name, birthdate, and social. They rented an apartment that has an eviction collection sent to XXXX XXXX of {$6600.00} opened XX/XX/XXXX. An XXXX XXXX XXXX collection sent to XXXX XXXX XXXX of {$350.00} opened XX/XX/XXXX. A policy with XXXX applied on XX/XX/XXXX but a representative said has been closed. I filed a police report case # XXXX. I submitted my case to the federal trade commission who set me up an ID theft report with identitytheft.gov. Through credit karma Ive disputed the apartment collection and have requested a copy of my credit report through transunion who also froze my credit. The apartment is working with their legal team as well as police.
Consumer complaint received 2018-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I tried to order XXXX tickets through Amex 17 months ago. They told me I had to open an account and would then be given early access to the tickets, but that there was no annual fee. I called and called, waited through the cue, but wasn't able to get the tickets. No card, no statements for a year. Then, in XX/XX/XXXX or XX/XX/XXXX, I received a statement with the only charge being the {$190.00} annual fee. I mailed the payment stub back with " please close account '' written on it. The next month I received the same statement with no mention of closure. My wife called and asked them to close the account, but they told her they wouldn't talk to her because her name wasn't on the account. The third month, I again wrote " Cancel Account '' on the stub and mailed it back. A few weeks later, I received a letter from American Express saying the account was closed, but that I would have to pay any charges that came through. When the next statement came, again with only the {$190.00} annual fee, I returned it with a copy of the letter I had received saying the account had been closed. Yesterday I received a different, shorter letter saying only that because I failed to close the account within 30 days of the first annual fee being charged, I was still required to pay the annual fee of {$190.00} on a card I've never used and can't use now because they closed it without telling me I'd be paying the fee without receiving any services. To date, I have not paid the fee and would like to avoid having it go to collections. 

Please note : because I never received a card ( or if we did, we've never used it ) and because Amex doesn't provide more than the last 5 digits on their billing statement or correspondence, I can't provide you the full account number. I can only say it ends in XXXX.
Consumer complaint received 2018-10-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (TX)

Flagship is reporting to XXXX XXXX, XXXX  and XXXX, I XXXX days late for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. While logged into my XXXX account it clearly shows no late payment for any on the month except XXXX and I have submitted to them the canceled check they cashed from my bank. I also have XX/XX/XXXX and XX/XX/XXXX payments to support all my payments to XXXX but yet they still refuse to remove the in correct information from my credit report. I will be happy yo email my proof of payments to you to support my dispute at request.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX - Account # XXXX has violated my rights XXXX XXXX - Account # XXXX has violated my rights XXXX 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 states that a consumer reporting Agency can not furnish an account without my written instructions I am requiring the enforcement of my privacy as I did not give any written instruction to any credit reporting agency or bureau for these accounts or any remarks to be furnished on my credit report.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (MO)

XXXX Refuse to update my Credit file to XXXX XXXX on my accounts and also refuse to update my acct violates my right i provided info on my XXXX XXXX they stated we receive but will not update also World Finance will not update my file also to XXXX XXXX i also reached out to them i am Discharged and they will not update my acct that i included in bankruptcy
Consumer complaint received 2023-09-08
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. (MD)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. US DEPT ED XXXX Balance Owed : {$7900.00}
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America agreed to remove a delinquent/late on my account. They told me to reach out to XXXX to have it removed. XXXX told me to reach out to the Consumer Financial Protection Bureau. The delinquent/late was for a secured credit card for the amount of {$5.00}. Used the card in error. Never received a billing statement. Caused my credit score to drop XXXX points.
Consumer complaint received 2023-09-07
Product: Credit 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: BARCLAYS BANK DELAWARE (MA)

I purchased 2 XXXX XXXX XXXX XXXX from XXXX XXXX. Upon opening the seats were very cheaply made and i asked to return within policy of 30 days to request a return. The seats were returned within 30 days. XXXX tracking confirmed seats delivered back to XXXX and signed for. XXXX will not issue refund. I am being charged for goods i do jot have
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am dismayed by the ongoing inaccuracies in my credit profile despite multiple requests for correction. Your failure to address these issues promptly not only violates the Fair Credit Reporting Act but also reflects poorly on your professionalism. I am writing to express my extreme dissatisfaction regarding the ongoing inaccuracies in my personal credit profile, specifically pertaining to the accounts referenced below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

This complaint is regarding 4 disputed charges from XXXX. On XX/XX/2023, XXXX XXXX, from XXXX confirmed via email my credit card on file was updated to my XXXX XXXX. Prior to this email, my Capital One card was on file for the company to charge. At this point, I remove authorization to charge the Capital One by replacing the card on file with the XXXX. XXXX was successfully charging my XXXX. 

On XX/XX/XXXX, I contacted XXXX via email notifying them to cancel my account and revoking all authorization to charge my credit card. On XX/XX/XXXX, XXXX XXXX from XXXX acknowledged my cancellation email. 

On XX/XX/XXXX, XXXX charged {$550.00} to my Capital One credit card. After my written notice revoking authorization to do so. 

I contacted Capital One, they successfully disputed the charges. I received the appropriate credit. 

On XX/XX/XXXX, XXXX charged my credit card again. Same amount. I provided the same documentation and Capital One closed my claim. I called them and pointed out in the documentation where I removed this card off file and it was confirm. I also provided receipt showing there XXXX was charging my XXXX card. 

Capital One has handled this incorrectly and I need intervention
Consumer complaint received 2023-09-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Tromberg, Morris & Parnters, PLLC (NY)

XXXX XXXX and XXXX which is now known as Tromberg , Morris & Poulin , PLLC engages in predatory debt collection. 
The law firm initiates motions in court which drags me to court. Upon arriving at the courthouse, the security officers are at times aggressive and engage in unnecessary search procedures just to make sure that individuals like me are not a threat. 
After passing through the metal detectors and thoroughly being searched, the clerk and the attorney for the debt-collection agency work in tandem. For the past two instances that I have been in court, I was specifically profiled so that I was the last individual to be seen in the court conference room. This means that for the last two sessions in the civil court, I have waited at least three hours to be seen. 
To make things worse, the clerk was disrespectful and the court sessions were exhaustive due to the numerous number of people who showed up at the last two sessions. 
I have no idea what XXXX XXXX XXXX does but in this regard in conjunction with XXXX XXXX and XXXX, they create misery and havoc in consumers ' lives. 
These practices must come to an end.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I wish to bring into your attention an error or wrong reporting by Experian Credit Report. 
I use to have Public record on my Credit report until XXXX, 2023 but then, It was found out that Public record was for a debt that I never owed and I paid off my other Collections too. 
My Credit has been improved, and am doing my payments on time mostly and there is no negative record on my account for now. Even Experian is emailing me daily, telling me that my score has improved and offering me various Credit Cards and loan promotions. 
But when I actually applied for a loan, Experian reported back to agency that my Credit report has derogatory information and there is nothing negative on my Credit report as I keep on checking every week from XXXX. 
As per experian, my score is XXXX which is kind of good score, then how come they reported derogatory information and if it is going to stay the same, what is the advantage of paying all the collections and having clean record. 
I checked with XXXX too and there is nothing negative on my Credit for now. Then how come Experian is not letting me get a loan. Is it going to keep impacting me my whole life despite of having improved Credit Score.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America inadvertently closed my account without notice. I was hospitalized and needed to use my account for necessities. Even after I spoke to customer service to rectify issue the company would not address the issue. The account was closed on XX/XX/2023 and the customer service said that it was voluntarily closed by the borrower, which is completely false as I contacted them regarding the closure of the account.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (NV)

On XXXX {$1900.00} was taken out of my navy Federal  account the merchant was neighborhood XXXX in XXXX XXXX XXXX when I noticed the charge I called my bank to dispute the charge a provisional credit was given to me then taken back on XXXX I don't know who made this transaction and I reported it in good faith now the money was taken back from me and my account is in the negative which has never happend as long as I've been a customer I am now reporting this fraudulent transaction and reporting my bank because they are basically holding me responsible for a transaction that I did not authorize.
Consumer complaint received 2024-03-12
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX 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 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-10
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. (TX)

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.