davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Consumer complaint received 2022-12-10
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-06-20
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. (FL)

UN-AUTHORIZED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2024 my accounts were frozen. When I went to the bank to find out why they closed they told me they could not give me that information and that I would have to wait five business days to receive the money from my three checking accounts, I called on Tuesday to file a hard case and they said it would take five days to receive a check from the money in my bank.
Consumer complaint received 2022-12-09
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. (GA)

According to 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.

I am fully aware of my protection and what these laws mean fully. The accounts are listed below as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 instruction, which I have not given XXXX  ANY written consent to furnish anything about myself on my consumer report.

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 reports by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (TX)

For the XXXX XXXX XXXX  complex, I moved out on XX/XX/2019. Rent was only {$840.00} plus utilities which equated to about {$950.00}, which wasnt paid since I moved out for XXXX and XXXX. If thats only 2 months and I had a deposit of {$840.00}, nor did I have any pets or animals and I cleaned the apartment before I moved out. Theres no way I owe {$4000.00} for 2 months. There was no damage to the unit either and all keys and gate openers were returned. I feel that I am being over charged for this broken lease. I have intent to pay but only what I owe.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have been disputing incorrect late payments with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2022-12-09
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: ALLY FINANCIAL INC. (FL)

You are Violating the FCRA Pursuant 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience between the CONSUMER and PERSON making the report is not included on the consumer reports!! Delete ALL Late Payments on my Consumer Report. Specifically, this account with, ALLY FINCL, XX/XX/2021 and XX/XX/2021 you reported that my transaction was 30 days late
Consumer complaint received 2023-07-19
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. (IL)

WAS LOOKING FOR THE CAR BUT NEVER GIVE PERMISSION TO RUN MY CREDIT REPORT WITH THE BELOW BANKS XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC. (NC)

Santander financial did a write-off in XX/XX/ but Santander did two things ( write off ) And still showed the amount that was written off on my credit of {$8100.00} and one they realized it was about to Fall off Santander made s false brand new account showing {$8100.00} as if I had more than one account with them .. Ive been in contact several times with Santander and if only made things worse I believe this is a spiteful doing. 
Also XXXX told me the only way they would clear me XXXX was to pay a settlement Which is what I did, so why is it Still Showing as if it wasnt paid. I also attempted to contact XXXX only to get belittled and told I should have paid it knowing that it was faulent and that number had NEVER BEEN USED OR ANY BILL RENDERED
Consumer complaint received 2021-01-03
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: EQUIFAX, INC. (AL)

I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner
Consumer complaint received 2023-06-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

A Bank of America regulator called me about my complaint before I left our Florida home in XXXX. Although we spoke at length the bank does not see Nexus, which is higher clearance than even a passport between XXXX and the United States, as a piece of ID available for bank identification. I asked the regulator, how do you think I got into the USA? I said not with my passport but with my Nexus! The regulator said that they would research the trusted traveller site to understand the Nexus, and other ID used by the United States and XXXX. https : //ttp.dhs.gov/ Has this resolved my issue? Not at all! A feeble suggestion to look at the Nexus as a valid piece of ID will do nothing for me banking next time I am at Bank of America. I do not travel with two very valuable pieces of ID as it is redundant. I also had my purse stolen previously and therefore have a concern for the safety of these items. The Nexus ID allows for much more opportunities when crossing the border and at airports without long delays. It is the ultimate ID and already has my passport attached to it and required me to go through much more clearance and interviewing to attain it than the passport. 
This is an ongoing unresolved discriminatory issue between Bank of America and me, and actually the trusted traveller Nexus ID program, which is but one of high security ID available, if they were to review the site. ( TSA pre-check, Global EntryXXXX Nexus, Sentri and Fast ) I suspect they just dont wish to add one more thing into their system for their tellers as valid ID! At the moment there is not this delineation available. There is, however, another discriminatory piece that tellers must not accept valid XXXX drivers licenses with our photos either! 
Thank you for your assistance with this matter. Somehow I am not surprised Bank of America neglected to respond to XXXX as I saw their customer service complaints through XXXX and it is not good! I may just switch banks but I also worry other banks are also not up to speed with what are truly secure ID in the 21st century.
Consumer complaint received 2024-05-14
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: DISCOVER BANK (FL)

I am requesting immediate removal of this item from my credit, that is reporting clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ). I expected this to be done in 30 days from recipe of this complaint as stipulated by FCRA Section 623 ( a ) ( 8 ). Failure to comply within. the specified timeframe by this creditor is considered willful non compliance, subject to legal consequences. Additionally, I want to make it clear that any action taken by Discover Bank besides deleting the collection will be considered willful non compliance. I am. invoking my rights under 15 US Code 1681b ( 2 ), and I am giving clear instructions to furnish my report and delete the collection account. Failure to adhere to these instructions will result in legal action. This notice serves as a formal notice of violations, and I am expecting prompt action to remedy.I anticipate your immediate remedy to this matter.
Consumer complaint received 2022-12-09
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. (NV)

In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I an requesting this procedure in case of disputed accuracy.

15 U.S.C. 1681 Section 602 : States I have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

Can you please reinvestigate the accuracy and completeness list of accounts below : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2024-05-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. ()

I had a transfer and they asked me for the bank statement of that person who make a transfer to me and I send them the bank statement and everything they asked for so in the end they decide to close my bank account and saying to me the remaining funds will be transferred to me in my new bank account so I provided the new details of my new bank account but they still not send it all this happened before XXXX XX/XX/2023 so since that time I dont have a call from them when I tried to call they saying they still running out some checks I did even made a complain but still nothing. 
I have in that bank account XXXX ( saving ) and some XXXX or XXXX more in normal XXXX regards
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (KY)

I just noticed some charges racked up on my credit card which i did not make. I contacted the customer care as soon as i noticed. I did not use the cards so apparently my cards were stolen. The charges should be around {$38000.00} to {$39000.00} if not more. I want this resolved as soon as possible and i want my money back since i did not spend it.
Consumer complaint received 2022-12-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FORD MOTOR CREDIT CO. (MD)

Ford credit has XXXX  against my application based on my credit report. 

It is unlawful to XXXX  against ANY applicant with respect to ANY aspect of a credit transaction. 

I am an applicant exercising my rights, under the Consumer Credit Protection Act, in good faith. 

It is discriminatory to ask for permission to look at my consumer report, only to make a biased decision based on whats on my consumer report.
Consumer complaint received 2022-12-09
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. (TX)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2022-12-09
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)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly
Consumer complaint received 2024-05-09
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: Williams & Fudge, Inc (AZ)

XXXX XXXX XXXX XXXXXXXX, ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Educational ; Original Creditor - XXXX XXXX  ; Amount - {$1000.00} ; Status as of XXXX Unpaid ; Date of XXXX Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$1000.00} ; Individual Account XXXX Account # - XXXX ; Address : XXXX XXXX XXXX XXXX XXXX SC XXXX : ( XXXX ) XXXX They notified me a few ago of a balance owed to XXXX University XXXX back in XX/XX/XXXX. This is reported on XXXX, both XXXX and XXXX have been removed from my credit report due to fraudulent activities from this University. I filed the dispute with XXXX and stated to me that this debt has been verified and is not being removed. I am reporting this cause this has already been validated years ago, I dropped from the course before the class started. There I owed no money, and I was on financial aid. Both XXXX and XXXX removed this fraud off my credit report over 2 years ago. I need assistance with XXXX
Consumer complaint received 2023-12-30
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. (MO)

Experian is directly emailing me and going around CFPB. The XXXX screen shots are of once again my extremely screwed up Experian account. Experian is not fixing my account because I am filing these complaints and doing investigation into this predatory company see this is there pattern. As of yesterday all information passed on to CFPB is also sent to my state rep and senator
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I went to XXXX  XXXX  XXXX  to inquire about getting a car. I was told XXXX XXXX XXXX would pull my credit report ; instead, six different companies pulled my credit report. Which I didn't authorize or agree to. 
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 2023-04-17
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. (IN)

According to Law False information must not be furnished XXXX XXXX XXXX continues to report my account as Trade with False Information This was a Secure Account which required a cash deposit which was never accredited to the account before or after the Charge Off Therefore the Balance is incorrect
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lendbuzz Inc. (TX)

This financial institution, LENDBUZZ LLC is in clear violation of the following sections of the law ; ( 15USC1642 ) ( 15USC1681m ), ( 12CFR1002 ) and are subject to criminal liability for violating ( 15USC1691 ). On ( XX/XX/XXXX ), LENDBUZZ LLC pulled a copy of my XXXX consumer report without written authorization or permissible purpose pursuant to both 15USC1681 ( B ) and 18USC1028 ( A ). On ( XX/XX/XXXX ), Lend Buzz LLC sent me a notice that I was denied credit for a XXXX XXXX XXXX application from dealership XXXX XXXX XXXX XXXXXXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. According to the Equal Credit Opportunity Act which is codified in 15USC1691c and pursuant to civil liability under 15USC1691K, Adverse Action against a consumer is AGAINST THE LAW. I have proof that I was discriminated against by LendBuzz LLC due to the response I received from you on ( XX/XX/XXXX ). My social security number ( credit card ) was used by Lend Buzz LLC to make an application for financing the vehicle XXXX XXXX XXXX XXXX XXXX, in good faith and credit was not issued. Therefore, because I received no benefit, due to your company denying me of my own credit, this is fraudulent activity on behalf of your financial institution ; Lend Buzz LLC ( unauthorized use of credit card ). As the original creditor in any credit transaction, only I decide if I was approved or denied an extension my own credit. If XXXX XXXX XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card in the next 15 days, I will have no choice but to make your financial institution criminally liable for all actual damages pursuant to 15USC1681 ( n ) and 15USC1681 ( o ). I will also follow up with an invoice seeking {$10000.00} per violation of the law found in this transaction.