davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My husband and I opened an equity line of credit with Bank of America. During some tough times, we used the {$35000.00}. which was the amount of the credit line. I had been working to pay it down, when suddenly I started getting notices that I was n't paying enough, they wanted more monthly payment. Well, living on XXXX, I was paying all I could, so I just kept paying, Then I started getting collection notices. I went to the Bank on XX/XX/2017 and spoke to the manager, thinking maybe we needed to refinance or do a modification. Well XXXX, was looking through the account on the computer, and asked us about an {$80000.00}. draw. We about fainted. The account had a {$35000.00}. limit, and since we had taken bankruptcy, it also said it had " 0 '' available. So I had n't used anyting, just trying to pay it down. 
So the band gave someone {$80000.00} on an account with a {$35000.00} limit, and then was charging us for it. 
I have filed this with the local sheriff 's office, reported to XXXX, also filed with FTC, who suggested I contact you. 
Bank of America says their fraud department is looking into it, but I have not heard anything from them. The Sheriff 's Detective is supposed to try to contact them today, but I have not heard anything as yet from him. I have not heard from XXXX for two weeks now, so I have done some research online, and following suggestions there. 
I thank you for anything you can for us. I feel that Bank of America is in so much hot water right now, that they are n't worried about my little claim. 
Thank you XXXX and XXXX
Consumer complaint received 2024-03-11
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. (VA)

XXXX XXXX I have called them spoken to them even tried to settle up to see what I could do to clear up this matter. Its on my credit report. I have filed several disputes and nothing has happened. I need this removed from my credit report
Consumer complaint received 2022-12-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to file a formal complaint against your organization for the persistent failure to remove inaccurate items from my credit report. Despite numerous attempts to address and rectify these errors, my credit report continues to contain information that is materially inaccurate and damaging to my financial well-being. 

I have diligently followed the dispute resolution procedures outlined by your agency, providing extensive documentation and evidence supporting my claims of inaccuracies. Nevertheless, your organization 's repeated failures to correct these errors are causing significant harm to my creditworthiness and financial stability. 

It is essential to highlight that the Fair Credit Reporting Act ( FCRA ) places a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies like yours are required to conduct thorough investigations and make necessary corrections when inaccuracies are identified. 

Despite my persistent efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the inaccurate items on my credit report : Difficulty obtaining credit or loans at favorable terms. 
Higher interest rates on existing credit accounts. 
Substantial harm to my creditworthiness and financial opportunities. 
I hereby formally request that your organization takes immediate and decisive action to investigate and correct the inaccuracies on my credit report. If it is determined that these items are indeed inaccurate or incomplete, I insist on the following actions : Prompt correction of my credit report to accurately reflect my financial history and creditworthiness. 
Removal of any derogatory or inaccurate information from my credit report. 
Provision of written confirmation of the correction and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other relevant materials. I trust that this information will expedite your investigation and lead to the swift resolution of this issue. Kindly assist me to delete the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-12
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-07-17
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: DISCOVER BANK (VA)

In accordance with the Fair Credit Reporting Act this creditors has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30days late ) XXXX XXXX : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) XX/XX/XXXX ( 90days late ) XX/XX/XXXX ( 120 days late ) XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30 days late ) XXXX XXXX XXXX XXXX : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30days late ) XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30 days late )
Consumer complaint received 2022-12-13
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. (NJ)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.
Consumer complaint received 2022-10-28
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. (RI)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Consumer complaint received 2022-12-13
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. (NJ)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.
Consumer complaint received 2022-12-13
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. (NY)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Attn : XXXX  XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry on my XXXX XXXX Experian and XXXX report. My latest credit report shows XXXX credit inquiry that I did not authorize. 
I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within XXXX days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
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. (NC)

In an infuriating ordeal, I uncovered the theft of my identity, a violation that left me seething with anger. In response, I diligently filed an FTC identity theft report and painstakingly compiled a detailed police report, expecting decisive action from the credit bureaus. Yet, their astonishing indifference knows no bounds. They not only callously brushed aside my FTC report but also callously disregarded the comprehensive police report I provided, as if my ordeal were nothing more than an inconvenience. To add insult to injury, they couldn't even be bothered to acknowledge my arbitration attempts, sent via priority mail, leaving me incensed. This infuriating ordeal underscores a dire need for an overhaul within the credit reporting industry, demanding rigorous regulations and unwavering accountability to protect consumers like me from the soul-crushing consequences of identity theft. Until these abhorrent issues are remedied, countless victims will continue to suffer while the institutions purportedly safeguarding them demonstrate a shocking apathy towards their plight. 

i am seeking {$2000.00} per violation since it has been 90+ days I have been contacting and submitting the correct information to each credit bureau . ALL 3 Bureaus are in negligent violation of idenity theft standards and regulations according to the FCRA
Consumer complaint received 2023-12-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NY)

On XXXX XXXX XXXX a transfer was made from my chime bank account for {$7700.00} to a XXXX account that I did not verify, I reported it to chime dispute they emailed me back said I would have my funds back in 2-5 business days. That was not completed so I reached back out a few days later about the same reason I reached out a couple times after that, they said the transaction wasnt unauthorized. After my very last dispute chime decided to close my account without helping me get my money back
Consumer complaint received 2022-10-22
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. (FL)

DEPTOF EDXXXX Third Party Affiliations In Pursuant of 15 U.S. Code 1692 ( a ) Congress finds there is abundant evidence of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasion one 's privacy.
Consumer complaint received 2023-12-09
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Oregon Credit Service, Inc. (OR)

In XXXX I was going through a bad XXXX  and was unable to receive any mail for a debt that this credit company said I owed, they ended up suing me and I didnt even know about it, I contacted the landlord/property management and they refused to give me any info. I couldnt afford a attorney to research it and now 7 years later they are trying to garnish my paycheck for double the amount they were originally suing me for, again I have not received any letter or info before garnishing me
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Debois, Inc. (OH)

XXXXdbs financial XXXX XXXXXX/XX/XXXX this auto loan account was open in my name with my personal info acct number XXXX i wan thtis account deleted off of my report
Consumer complaint received 2023-12-09
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/XXXX  I went to XXXX XXXX XXXX XXXX to purchase a car. I came in with a pre-approval for XXXX XXXX. They used high pressure tactics to coerce my into signing an application for their own in-house financing. They told me that was the standard and that I could not apply for financing without doing their own in-house paperwork even though I told them I wanted the loan I had pre-approved and printed out in-hand. I told them I only wanted one inquiry on my credit record and they promised me that there would only be a single hard inquiry. As it turns out they were being dishonest and were indeed just coercing me into applying for their in-house product and not the XXXX XXXX loan I had pre-approved. They were unable to beat the rate I had pre-approved from XXXX XXXX via their in-house financing and so they took it upon themselves to shop around of their own volition. This resulted in 5 additional hard inquiries on my credit report. There are inquiries from companies we never even discussed or talked about that day such as XXXX XXXX XXXX XXXX  ( we never discussed ) or Bank of America ( also never discussed ). I now have multiple hard inquiries on my report which I did not authorize. The only other company we discussed was XXXX and they told me that was because XXXX XXXX was unreliable and didn't pay the money they were due so it was better to use XXXX.
Consumer complaint received 2022-12-13
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: SYNCHRONY FINANCIAL (AR)

There are hard inquiries on my credit reports that i did not authorize. I am a victim of identity theft. I have attached a copy of my police report. I ask that these be removed from my credit report immediately. 
The inquires that i did not authorize are : XXXX XXXX XX/XX/2022, XXXX XXXX DELAWARE XX/XX/2022, XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2016-03-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

XXXX XXXX Mortgage XXXX XXXX, was my mortgage company. They sold my mortgage to another company. The company was the servicer of the mortgage for almost 4 years. XXXX XXXX had the mortgage. The transfer of the mortgage was never recorded in XXXX XXXX records. Then, in XXXX Aurora loan services recorded an assignment of mortgage from XXXX XXXX Mortgage XXXX, XXXX to XXXX. The assignment was supposedly executed in XXXX and the XXXX companies involved did not have the mortgage. The documents were never recorded in XXXX XXXX records until another mortgage company by the name of Aurora loan services bought the mortgage. Since it is supposed to be recorded in XXXX XXXX records within a certain amount of time in relation to the closing date, I feel these companies have acted fraudulently. The assignment of mortgage was allegedly signed on XXXX/XXXX/XXXX by XXXX XXXX Mortgage XXXX, XXXX XXXX XXXX XXXX Mortgage XXXX, XXXX. The assignment was not recorded in XXXX XXXX records of XXXX until XXXX/XXXX/XXXX. Where did this document sit for all that time? This document supposedly sat in limbo and then mysteriously appeared in XXXX, when Aurora loan services bought the loan. I feel there has been fraudulent activity and do not feel that the assignment of mortgage that was recorded is valid or legal. I would also like to add that XXXX XXXX Mortgage XXXX, XXXX and XXXX XXXX XXXX, XXXX are XXXX separate entities. So XXXX XXXX XXXX, XXXX would not have had the legal authority to assign my mortgage to XXXX and why would the recorded document be returned to Aurora Loan Services and not XXXX?
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (MA)

I had a collection ( original creditor was XXXX XXXX XXXX  ), and it was sold to XXXX XXXX in the amount of {$350.00}. XXXX XXXX hired a law firm to collect the debt in the amount of  {$350.00} ( XXXX XXXX XXXX XXXX XXXX, XXXX ) in XXXX, MA. On XX/XX/XXXX, I contacted XXXX, XXXX XXXX XXXX and Paid the {$350.00} and they sent me a letter showing that my obligation was satisfied in full. They told me to contact XXXX  XXXX in two weeks which would be the amount of time for my check to clear and for them to receive the release. Before calling Midland I signed onto my account to see if the payment had been received and it was ( they showed the {$350.00} broken down into three $ amounts ), only now they showed a new balance of {$190.00}. I called and was told that this would be adjusted and it could take up to 30 days. 
Today, I received notice from XXXX that there was a collection change on my credit report and it shows that my total collections was decreased from {$350.00} to {$190.00}. 
The total was always {$350.00}, I never received anything advising me it was more than that. I have no idea what the additional {$190.00} is for. I would like this changed to paid in full and it's my understanding that they would remove the collection from all three credit reporting agencies. 




Account information Original Creditor XXXX XXXX XXXX, XXXX. 


Merchant or Service provider - Original Account Number XXXX Your Account Manager - PAYMENT SUMMARY2 DATE PAYMENT XX/XX/XXXX {$260.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$85.00}