davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, several of my friends transferred money to me through the Bank of America account, each amount was about XXXX dollars, which was a normal transaction between us. On XX/XX/XXXX, some transactions were automatically withdrawn. Neither my friend nor I performed any operations on these transactions. This was the banks active withdrawal. On XX/XX/XXXX, my XXXX XXXX account was held on and then canceled. The transaction that was automatically returned should have been returned to my friend 's account, but my friend did not receive the money that should have been received. The total withdrawn transactions involved a total of {$950.00}.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX But bureau reported that I have many addresses like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The account in question was closed by the company without following the proper procedure in reaching out to the consumer, in which has created personal issues as a result. The charged off account was originally written-off in XX/XX/2022, while in excellent standing, and continues to be opened/closed since then along with continuous reporting of " late payments '' on an account deemed closed. It has been written off as a loss, and According to the IRS, a canceled debt ( charge off ) is gross or ordinary income, by which is non-reportable on a consumer report, rendering this information being reported as inaccurate. In addition, I have never received a 1099-c form for the cancelation of debt.
Consumer complaint received 2023-01-26
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. (AL)

Do to my dispute with TransUnion credit report they refuse to provide me with copy of all fraudulent activity that was on my credit report an due my understanding supposed been reimbursed me need a copy of that old credit report XXXXXXXX XXXX XXXX XXXXXXXX XXXX was on there holding back cause me file civil action lawsuits
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (AZ)

The care credit and net credit accounts are not accounts I opened or have any knowledge of opening. It's destroying my credit since they are in delinquency and the care credit is closed because i refuse to pay for something I did not utilize or have any knowledge of opening. They are fraudulent actts. And although I made a payment on them it was to keep these fraudulent a ccts from becoming delinquent and destroying my once good credit score but they were illegal and way beyond my means and. And I couldn't pay them untill the were taken off. Because I never opened them they still wanted me to pay it's so messed up
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-14
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)

XXXX XXXX is reporting a collection to XXXX, XXXX, and Experian that is not valid and is violating my rights as a consumer, 15 USC 1692g
Consumer complaint received 2023-05-19
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. (TX)

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, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

XX/XX/XXXX submitted my XXXX form payment history was partially updated. A form was mislabeled as duplicate. I called in the beginning at XXXX and was told it would be resubmitted. We are in XXXX and my payment account has still not been updated. 

I also want to remove past in school deferment.
Consumer complaint received 2020-07-28
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. (WY)

I have sent numerous dispute letters to Equifax to dispute the fraud inquiry 's on my credit report and they failed to respond or remove off my credit report. XXXX and XXXX has successful removed them but Equilfax will not respond. These fraud inquires are damaging my credit, and stopping me from getting in any type of credit or even a rental to live in. I have send in a police report numerous times as well and have yet heard from them.
Consumer complaint received 2023-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

On or about the XXXX XXXX XXXX, I tried to purchase a saw online for {$68.00}. I checked out and used PayPal since that was an option. Little did I know that this company had their payment system set up as a Friends and Family payment to bypass any clawback from PayPal. I didnt intentionally pay that way. That is how their checkout worked. I emailed PayPal with my concerns and rather then attempt to solve my issue, ( clawback from the fraudulent online store or otherwise ), they merely hid behind the fact that it was a Friends and Family payment per their email response attached below.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have send out letter to XXXX to Request copy of my credit twice last year in XXXX and XX/XX/XXXX and this year twice back in XX/XX/XXXX and XX/XX/XXXX they keep send me this one page document asked for copy of My ID and soc sec card and copy Bills with current on it i have send that to them XXXX time. 

I have write experian and XXXX XXXX and XXXX to remove and Delete collection account off my credit they keep say they have verify the information with the creditor. but no Proof from the creditor at all the 45 days mark was over the limit complete. 

Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted and removed off my credit report. 
Please Delete and Removed these accounts from my credit reports since your company did not properly verify the information and the furnisher could not provide sufficient proof to prove their reporting. 

I asked all XXXX credit Bureau remove all Old Address off my credit report that was not Done At all they keep them on there they need be remove and Delete off Old Address Creditor : XXXX XXXX XXXX Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX XXXX Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX XXXX Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX XXXX  Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX XXXX Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX XXXX  Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX XXXX XXXX Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX XXXX Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX XXXX Reason : failed to submit sufficient proof to validate the inaccurate account.
Consumer complaint received 2023-01-06
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-05-17
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX XXXX XXXX Reported On XX/XX/2023 Account Balance {$1500.00} This lender or creditor reported that your payment was XXXX, XXXX, XXXX or more days late. 
Capital One Reported On XX/XX/2023 Account XXXX {$300.00}
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I PULLED MY CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING ON MY EXPERIAN REPORT. PLEASE CHECK FTC REPORT. THESE ACCOUNTS DO NOT BELONG ON MY CREDIT. 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments 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 an 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 any purpose.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX -- I received unsolicited prescreened credit card offer from BANK OF AMERICA ( BOA ) for card with 0 % APR for the first 18 billing cycles. I accepted this offer to purchase expensive XXXX XXXX, allowing me to FULLY pay off balance before the end of the 18 billing cycles. I planned to make recurring FIXED $ 250 month payments using the usual autopayment options. No problem - easy right! WRONG - BOA rigs their online payment system to prevent FIXED payments. 
XX/XX/XXXX - BOA XXXX XXXX XXXX XXXX approved XX/XX/XXXX - purchased expensive XXXX XXXXXXXX with new card XX/XX/XXXX - made {$1.00} online test payment in anticipation of autopayment process ; Told by customer service can NOT set up autopay until receive first e-bill. 
XX/XX/XXXX - received first e-bill and attempted to set up fixed $ 250 monthly recurring payments. Only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXull balance payment of over {$3000.00}, EVEN THOUGH online BOA payment screen clearly reads ... '' You can also set up AutoPay based on the custom dates, amounts, and other details you choose ''. Also Txt response for HELP payment button gives FIXED payment as a third option. Service rep stated BOA stopped Fixed payments in XX/XX/XXXX!! This is FALSE ADVERTISING AND DECEPTIVE. BOA wants their users to miss payments and then pay a LARGE interest amount. BOA is preying on the working poor and elderly. Shame on BOA!!