davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
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: A.C.S. Companies, Inc. I (CA)

Subject : Deletion of Unauthorized Credit Inquiry CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OUTLET CC : ACME FINANCE CO. , INC I am writing to formally request the removal of an unauthorized credit inquiry made by your institution on XXXX, XXXX, XXXX After reviewing my credit report, I noticed an inquiry listed under my name without my consent or knowledge. 

The inquiry was made on XXXX, XXXX, XXXX and was not associated with any credit application or agreement initiated by me. As a result, I did not receive any benefit or services from your institution corresponding to this inquiry. 

I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I understand that these inquiries can impact my credit score, and given that I did not engage in any transaction or seek credit from your company, I urge you to rectify this error promptly. I also demand retraction of any applications or securities in your possession. 

Please provide confirmation once the unauthorized inquiry has been deleted from my credit report. I appreciate your prompt attention to this matter and your assistance in resolving this issue.
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: Experian Information Solutions Inc. (CA)

In Accordance with the Fair Credit Act XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX All have violated my rights. 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. These Items have all been included in a police report as well as an identity theft complaint..
Consumer complaint received 2018-04-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I had a balance of {$25.00}, and I needed to pay my credit card payment of {$93.00}, so I deposited {$70.00} into my account and submitted the payment. At night, I again checked my statement to insure funds were above {$0.00} and I had {$2.00}. I even had a notification from them that I had a balance of this amount. I also knew that I had {$70.00} processing into the account the next morning, so I went to sleep knowing that I would never dip below {$0.00}. Then I wake up on XX/XX/XXXX to a {$35.00} overdraft fee, yet still a positive balance of {$26.00}. Apparently at midnight, a charge from XX/XX/XXXX was removed from the account and reposted, brining me down to - {$8.00} for a few hours before my money was deposited ( all while I was asleep ). After being with Bank of America for over 7 years, I was sure that if I gave them a call and explained the rare situation they could waive my fee. But I was wrong, and after talking to a representative and 2 additional levels of management, they decided to let me cancel my account rather than waive my {$35.00} fee that I did everything in my power to prevent. Instead of trying to understand my situation, they argued with me and told me i need to write down every transaction that i do. What is the point of having a bank handle my money then? With so many other options for banking ( and my credit card, which I will be transferring soon ) I decided to cancel. I don't think that it is right for them to charge these fees in the middle of the night when I have no way to prevent or fix the situation. I look forward to telling my story to family and friends, many of which have Bank of America. Never again.
Consumer complaint received 2021-08-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (IN)

I was going to buy a home for my family and I using a VA loan through Veterans United out of Missouri. It seemed like they knew all about these type of loans, its even a part of their name. I was pre approved on XX/XX/XXXX for the loan and began looking for a home. Found one we all really liked and paid {$500.00} to have it appraised. It was worth XXXX and so my loan was going to be for that amount. I paid {$1000.00} in earnest money to the sellers realtor. Veterans told me that there was a {$3000.00} bill that didnt even show up on my credit report and that if I paid that off in full, they would do my loan. So I paid the bill off in full. They wanted tax transcripts but I did not have those at the time because there was a backup at the IRS processing returns. I drove two hours away from my home to an IRS field office to have my XXXX filed taxes stamped by IRS official stamp. I did find out while there that they had no record of my XXXX being filed, so I came home and paid {$150.00} to an IRS electronic filer individual who works for the IRS and has the Efile machine. So then I have record of my taxes being filed for XXXX and my stamped XXXX. By this time Veterans has asked me to provide a substantial amount of proof and verification of things which I did. Everyday there was something new. I had plenty of money in the bank, my debt to income ratio is extremely low and my credit score remained good. They gave me a closing date of XX/XX/XXXX, sent me my closing documents. The day before closing, my loan officer decides that the underwriters need my XXXX tax documents as well and a bunch of other things Ive already submitted several times. Then I was informed I would not be closing and was denied. This was the day before closing, after submitting the same documents again and again. They didnt even tell me these things until pretty much the close of the business the day before the closing. So basically I lost the home, the sellers had in the contract they wanted to close in 30 days and we had Already went way past that and had to ask them to extend our contract before already. So now here I am no loan and I dont understand why. Why keep asking for more and more so late in the process like the day before closing. This had been going on since XX/XX/XXXX. So I lost the {$500.00} appraisal, they said if I paid the {$3000.00} bill that wasnt even showing on credit report they would do my loan, thats paid. I dont understand being denied the day of my closing. It was heartbreaking to my wife, child and myself. This seems extremely shady and bad business to me. Im going to complain to anyone who will listen. XXXX XXXX and XXXX XXXX of Veterans United is who was handling this. Also whenever I submitted something they asked for it would take days sometimes for them to even look over. Or they would say they did not receive it when I can see on their website they clearly did receive it.
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DEPTEDXXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
DEPTEDXXXX Account XXXX : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
DEPTEDXXXX Account XXXX : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
DEPTEDXXXX Account XXXX : XXXX Delete this account. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15. there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 

16. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-06-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ZWICKER & ASSOCIATES (NJ)

Dear Sir/Madam, I am writing to you to lodge a formal complaint against Zwicker and Associates regarding their detrimental impact on my financial well-being and overall quality of life. The actions taken by your company have resulted in significant hardships, including threats of legal action and potential damage to my credit score. I strongly believe that these actions are not only in violation of consumer protection laws and regulations but also constitute illegal practices, such as the unauthorized purchase and resale of my debt without any proof of my agreement to such obligations. 

It is imperative that your company provides conclusive evidence demonstrating my consent to the acquisition and subsequent resale of my debt. The absence of any record of my agreement renders this process completely illegal. I demand transparency in this matter and an immediate cessation of any attempts to resell the aforementioned debt back to me. 

Moreover, I am appalled by the threats your company has made, including threats of legal action and adverse effects on my credit. These actions not only violate consumer laws but also disregard ethical practices expected from a reputable organization. The following is an overview of the laws and codes that your company has blatantly violated : Violation of Consumer Laws and Codes : a. Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 et seq. ] : Your company 's actions, including threats of legal action and credit damage, violate the FDCPA, which protects consumers from abusive debt collection practices.

b. Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] : By reporting inaccurate and unjustified negative information on my credit report, your company has violated the FCRA, which mandates fair and accurate credit reporting. 
c. New Jersey Fair Credit Reporting Act [ N.J.S.A. 56:11-33 et seq. ] : Your actions are also in violation of the New Jersey Fair Credit Reporting Act, which safeguards consumers from unfair and inaccurate credit reporting practices. 
I kindly request that you thoroughly investigate the details outlined in this complaint and take immediate steps to rectify the situation. Furthermore, I expect you to promptly provide a written response acknowledging the receipt of this complaint and informing me of the actions your company intends to take to address the issues raised herein.
Consumer complaint received 2022-12-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation (FL)

Albert banking sent me a text alert on XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating they were mailing me a new debit card when i didnt ask for XXXX. A representative locked my account for " security reasons '' when i already verified myself. I have not been helped in anyway. I just keep being told that my situation has been escalated. The representatives have been ignoring my text messages and emails. Its currently XXXX XXXX XXXX XXXX with no resolution and no access to my online accout or money. On XXXX XXXX XXXX I provided XXXX forms of id 's & photo of myself to the albert agents. They have not tried to resolve my issue in a timely manner. I am waiting access to the remaining money in my account and i want to close the albert bank account. I have never had an issue until XXXX XXXX. To be ignored and to have gone XXXX plus hours without access to my money is unacceptable. I still have not received any feedback as to when i will be able to access my account. Albert banking does not value their customers and need a phone line where customers can communicate with a real person via phone.
Consumer complaint received 2024-04-03
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: EQUIFAX, INC. (CA)

Equifax continues to falsely re-update disputed items without completing an investigation in the first place. Equifax must investigate and properly modify verified information or remove inaccurate and unverified information and provide dispute results in writing. On numerous occasions, Equifax has failed to do this. 

In several instances, Equifax has not only failed to investigate, but has falsely updated unverified information within days, sometime within hours of my valid disputes. Currently, Equifax continues to falsely update clearly incorrect information as described below : PERSONAL INFORMATION- ADDRESS Equifax continues to falsely report an address that doesn't even exist in a USPS or XXXX search. The address on my report is fictitious, and yet each time I dispute it, Equifax updates it as correct on my report. Had it conducted an investigation as required, the address would have been removed. 

PERSONAL STATEMENT Equifax listed a personal statement that I never uttered nor ever asked to be added to my credit report. I HAVE NEVER APPLIED FOR ANYTHING WITH xxx creditor. I have asked Equifax numerous times in writing and over the phone within the past two years to remove the false statement and Equifax still has not. Personal statements are optional, yet it repeatedly refuses my requests to remove a personal statement I never placed on the report to begin with. 

COLLECTIONS/OTHER ACCOUNTS Equifax continues to allegedly verify invalid accounts as valid in response to my disputes in one day and sometimes even less than one day after I filed valid disputed information. 

ACCOUNT HISTORY DATA POINTS Equifax refuses to correctly update account histories balances and credit limits on several accounts I have disputed. Where the creditor updated to XXXX and XXXX correctly, Equifax continues to claim its false " dispute results '' are accurate, maintaining incorrect credit data on several of my open accounts and not correcting any data points that are clearly incorrect. 

FAILURE TO NOTIFY OF DISPUTE RESULT On several occasions Equifax would allegedly " complete '' an online dispute in its website and not have any documentation of the results available either online or via mail. When I called and asked why, reps are advising to resubmit the dispute. Which is wrong and unethical as Equifax is legally obligated to provide dispute statuses in writing.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Equifax is reporting an account from a company named XXXX XXXX that I disputed. They say the XXXX account is verified as accurate. However, I don't have any letters or statements from XXXX XXXX regarding the account. The account is reporting Not_More_Than_Three_Payments_Past_Due ; which is affecting my credit rating. I don't know what this account is. The reporting on the account is sporadic and inconsistent & doesn't make sense. There is no Credit Limit information reported from XX/XX/XXXX ( when Equifax says the account was opened ) through XX/XX/XXXX to verify. Additionally, there is no, Balance ; Credit Limit ; or High Credit info from XXXX XXXX XXXX. But Equifax says the account was open during that time. There isn't Actual Payment info for the entire time the account has been open however there is Payment History reporting from XX/XX/XXXX- XX/XX/XXXX. Equifax is reporting the : Amount Past Due was 1st reported in XX/XX/XXXX & theyre also reporting the Date of First Delinquency as XX/XX/XXXX. Again sporadic inconsistent reporting does not comply with the FCRA. Based on the reporting inconsistency of the account, Equifax is not reporting complete accuracy. The account # ends XXXX I dont have an account with any combination of those 4 digits.
Consumer complaint received 2024-03-06
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. (FL)

i went to apply for a home loan and i was turned down do to my credit, upon reviewing my credit i discovered that am a victim of identity theft, someone has been using my identity to obtain services and goods using my personal information.there are fraudulent address, phone numbers and email address listed on my current credit report that do not belong to me.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (ME)

In according with the fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX 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 furbish an account without my written instructions.
Consumer complaint received 2021-01-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, DEPT OF ED, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, US SM BUS ADMIN ODA.
Consumer complaint received 2023-05-14
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. (AZ)

Had a loan with this company, XXXX, had financial problems, and ended up settling the account with them and agreed that they would remove the account from my credit report, this was back in 2019. I was checking my credit since i am trying to get a mortgage loan to buy a house and saw that, yes, it was removed from the credit bureus but from experian, had a call with avant they claim that they sent letters to the bureus to remove it but experian didn't do it.