davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (GA)

A complaint was submitted in XX/XX/XXXX regarding incorrect reporting of late payments on my credit report. The response from Dovenmuehle Mortgage , Inc., XXXX, is not following the rules of the Cares Act. As indicated in my original complaint, my payments are being reported as past due after entering into a payment modification relief program that is part of the federal Covid relief and in the state of Georgia called the XXXX program. My loan was current at the time I entered into the program and was then reported as late while I was going through the approval process. I was approved for the program and my loan was modified and payments made to be current in XX/XX/XXXX. I am disputing the response from XXXX as they are not following the rules and limiting the protection of my credit as not being qualifying as I was not in forbearance. The definition of what mortgage assistance is included in the credit protection in the Cares Act is much broader and includes my situation as is defined specifically in the Cares Act and also specifically indicated on the XXXX XXXX XXXX XXXX website, https : //www.ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/summary-coronavirus-aid-relief-and-economic-security-cares-act, as follows : Credit Protection During COVID-19 ( XXXX ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current or as the status reported before the accommodation unless the consumer becomes current. This requirement applies throughout the period of accommodation. Loan modifications may include, but are not limited to, forbearance and modified payments. This requirement applies only to accounts for which the consumer has fulfilled requirements of the forbearance or modified payment agreements. This protection is available beginning XX/XX/XXXX, and ends 120 days after enactment, or 120 days after the date the national emergency declaration for the coronavirus is terminated, whichever occurs later. 
Please correct my credit report with all of the credit bureaus to show all of my payments paid on time and never late including the payment of 30 days late for XXXX, 60 days late for XXXX, 90 days late for XXXX, XXXX and XXXX.
Consumer complaint received 2022-09-08
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, in amount of {$7400.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc. (NY)

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, no later then 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in Violation! 
Under 15 U.S. Code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-09-08
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: Radius Global Solutions LLC (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (TX)

I have submitted disputes to you and I didn't get a response within 30 days. 

Y'all are required by law to do so. 

Please investigate my disputes please. 

Thank you
Consumer complaint received 2022-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MD)

XXXX XXXX Synchrony Bank issued a complaint in the XXXX XXXX For XXXX XXXX XXXX. Synchrony Bank state that I was served a summons. This is incorrect. I was not served. The complaint is for an alleged debt. I have not been able to dispute this debt yet Synchrony Bank is suing me for the alleged debt. XX/XX/2022 I sent a Cease and Desist via certified mail. Pursant to the Fair Debt Collection Practices Act - 15 USC 1692c ( c ) how can an attorney file a lawsuit against ( and thereby commuicate with ) a non-consenting consumer or file a motion for summary judgement against that consumer? Synchrony Bank is in violation of the XXXX XXXX XXXX XXXX XXXX by furnishing my personal information such as my social security number, address and phone number to the third party, XXXX, XXXX XXXX, XXXX & XXXX, XXXX. Synchrony Bank has had a complaint sanctioned by the Consumer Financial Protection Bureau which has been attached.
Consumer complaint received 2022-11-21
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

On XX/XX/year>, I created an account with Experian to check my credit report. After successfully creating my account, I logged in to view my credit report. However, Experian stated that I have no credit score to view. This was puzzling to me because I have 47 credit accounts that are paid off and closed, all of which are showing on my Experian credit report. So, why don't I have a credit score?
Consumer complaint received 2022-09-08
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 XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-08
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. (IL)

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 719XXXX has me at a score around 590. 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 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 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 21 times. XXXX 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 XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX, I was arrested and incarcerated for a little over 10 months. I was released on XX/XX/XXXX. When I was arrested, my vehicle was impounded for approximately a month at XXXX XXXX located at XXXX XXXX XXXX XXXX, MD XXXX. It was picked up by mother and parked at my step fathers house for a short period of time. It was then moved back to my mothers house until I was released. The last place I had my card was inside my arm rest in my car. My stepfather told me when I was XXXX that he found a money order, my drivers license, other cards and paperwork inside of my vehicle when he had possession of it. He told me that he would put everything up in a safe place until I got home. When I came home and asked him about my property retrieved from vehicle, he stated that he would look for everything and get back to me. I eventually regained access to my beacon account and my Bank of America prepaid account. I then discovered that I was defrauded for thousands of dollars without my knowledge or consent. The total Bank of America said I was defrauded of was {$14000.00}. These unauthorized transactions occurred between XXXX. I filed a claim with Bank of America due to fraud activity and submitted all required documents needed to perform a extensive investigation. Instead I was denied several times without explanation. I was only told via mail that all the charges were accurate and my claim was closed. The investigation department made decisions without using all of my evidence provided to make a proper decision. I felt it was a lazy and rushed investigation. Bank of America had failed to provide me documents after requesting them regarding my claim. Those documents included pictures of the person using the ATM to fraudulently withdraw money from my account and and why my claim was denied several times.
Consumer complaint received 2018-10-09
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: JPMORGAN CHASE & CO. (TX)

I Received my credit report showing a inquiry from CHASE CARD on XX/XX/18 that I applied for a credit card. 3 years ago I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary.The item is inaccurate, misleading, or incomplete, may have violated federal law.
Consumer complaint received 2022-09-08
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)

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 719XXXX has me at a score around 590. 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 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 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 21 times. XXXX 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I write to dispute the inaccurate credit reporting regarding incorrect furnisher account information from Bank of America, specifically the account titled BK OF AMER, Account # XXXX. 

I have disputed this account directly with the bureaus in the past with no success.

This is not my account but my fathers account. My father and I have the same name first and last name. I have a different middle name than my father as well as a different social security numbers and DOB 's. I did not open this account nor incur the charges and negative remarks associated with this account. Please remove this account and any derogatory information associated with it from my credit report.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2020 my mom died. I gave her my XXXX  XXXX XXXX Account. The account was paid off. I opened a new account with XXXX  XXXX XXXX. The money that was being withdrawn from my bank account ( autopay ) was going to the canceled account. I was getting cancelled notification for a year and a half. I tried to resolve this issue. I reported XXXX XXXX XXXX to the Texas Department of Banking. I then requested a full refund. XXXX  XXXX XXXX did not issue the refund. I contacted Capital One Bank to dispute the charges. Capital One Bank issued a temporary credit and then reversed the charges. This has left my account in the negative. When I contacted Capital One Bank the supervisor was playing with his dog in the background on the phone call.
Consumer complaint received 2023-02-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TransferWise Ltd (RI)

On or around XX/XX/XXXX, my personal information including but possibly not limited to my name, address, phone number, and social security number were submitted to Wise.com, which I understand is a money transfer service. 

Upon verifying that I did not nor have ever done business with Wise.com, I contacted them to request that my all of my personal information be deleted and any accounts open be closed immediately. 

Wise responded that banking regulations require they keep my personal information for 6 years. I explained that I have conducted no transactions with Wise.com and did not authorize their retention of my personal details, and therefore the regulations they are hiding behind do not apply to me. I further explained that I had my identity stolen via the XXXX breach several years ago and that it is critical that my personal information only reside with companies I do business with. Wise continued to hide behind bank regulations, presumably XXXX regulations, which simply do not apply in this case.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Two charges were placed on my account that I never authorized. I gave Wells Fargo description that I was not even in the locations that these transactions were charged on. 
Wells Fargo said that they did investigation within a day on the weekend and said that my issue was not fraud that it couldve been me
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Transunion sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Under XXXX XXXXXXXX, restrictions on investigative consumer reports [ XXXX XXXX XXXXXXXX ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the XXXX  period preceding the date the subsequent report is furnished. Please update and correct my accounts right away. 

XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-05-23
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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