davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX, I opened an Advantage Plus Checking Account and Advantage Savings Account at Bank of America. On XX/XX/XXXX, I was trying to request a transfer of funds ( {$10000.00} USD ) from my XXXX XXXX  XXXX XXXX XXXX account to the Bank of America account. I am the owner of my XXXX XXXX  XXXX XXXX XXXX account, and I had sufficient funds to be transferred when I requested. In addition, I have also successfully linked my XXXX XXXX  XXXX XXXX XXXX account to the Bank of America account prior to the transfer. 

On XX/XX/XXXX, I found out that my Bank of America account was closed by Bank of America, and Bank of America did not notice me about the closure nor provide any reasons on why the account was closed. 

I then requested a consumer report from XXXX XXXX XXXX, the report indicates that the account was closed due to fraud. I requested investigation on this case through XXXX XXXX XXXX, as I disagree with the information in my consumer report file. 

On XX/XX/XXXX, XXXX XXXX XXXX mailed me the investigation results that the information in my consumer report file is accurate and complete. 

After speaking with Bank of America Client Protection center in XXXX, XXXX, I was informed that the reason for account closure was because Bank of America thought that I was requesting a transfer from third party instead of my own account, therefore, Bank of America is seeking proof that I am the owner of the XXXX XXXX XXXX  XXXX XXXX XXXX account. 

I then submitted a reinvestigation request to XXXX XXXX XXXX  including a letter of proof from my XXXX XXXX  XXXX XXXX XXXX XXXX, which confirmed my account ownership and my good standing with the XXXX XXXX  XXXX XXXX XXXX XXXX, along with my XXXX XXXX  XXXX XXXX XXXX account bank statement with the fund transfer history. 

On XXXX, XXXX, XXXX, XXXX XXXX XXXX mailed me the reinvestigation results that the information in my consumer report file is accurate and complete, which I disagree as I did not commit to any fraudulent activities.
Consumer complaint received 2023-06-18
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. (LA)

There is an address on my credit report that I have never seen before in my life. I am a lifelong resident of Louisiana and this address is in MD. I have no idea who it belongs to or why it is on my credit report. I have disputed with the 3 credit bureaus but it still hasn't been removed. I have placed a freeze on my account. It appears to have been on there for years ; I also disputed several derogatory collections tied to this fraudulent address but the bureaus have not removed it. I sent in my license to correct it but nothing has been done.
Consumer complaint received 2023-05-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BMO Bank, N.A. (MN)

I financed a vehicle back in XXXX of XXXX a XXXX XXXX XXXX XXXX, for {$46000.00} when I purchased the vehicle from XXXX XXXX XXXX the dealership presented us with the car fax and showed that the vehicle had no accidents, the car was in " perfect condition ''. They also preassured us to financed the vehicle with the banks they offered, BMO Harris Bank. Recently we tried to do a trading on the vehicle, with a different dealership they checked the car history and it present that the car has been in an accident in XXXX. We tried going back to the original dealership where we purchased the vehicle. They essentially sold us a vehicle for a lot more than what it was worth and covered up that the vehicle had been an accident. The dealership told us there's nothing they could do about it. We spoke to the dealership manager and asked if he would've sold the vehicle for a lot less knowing that it had been an accident, his answer was yes. He blamed it on XXXX and then he proceeded to dismiss us by mention that vehicle might off or might not had an accident but the car in fact had a sever accident in XXXX in Michigan, there's police report, on record of this vehicle.
Consumer complaint received 2024-03-07
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. (CA)

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have items left that needed to be removed. This is my newest complaint that I am a victim of fraudulent activity and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please REMOVE the reporting of any items in my credit file that resulted from an alleged fraudulent activity : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts are a mystery to me. Attached in this letter was my new FTC report with numbers XXXX and XXXX.
Consumer complaint received 2023-02-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SANTANDER HOLDINGS USA, INC. (GA)

Sandtander ConsumerUSA, was sent XXXX  XXXX and proof of all payments were made on time and no late fees should have been added to my account. I also sent proof of payments history to Release my car. I have overpaid the loan XXXX {$10000.00} ; due late charges, interest added to my installment. I notice the error in 2017 ; and have disputed the balances.
Consumer complaint received 2024-03-07
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. (NJ)

I'm sending this complaint to request an unauthorized credit inquiry be removed from my credit report. I received a copy of my credit report and became aware of an inquiry I did not authorize. 
XXXX XX/XX/2023
Consumer complaint received 2024-03-07
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. (NJ)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.

In accordance with the fair credit reporting act 15 U.S.C and fair debt collection practice act 15 U.S.C. 1692 XXXX XXXX {$420.00}, XXXX XXXX/ AND XXXX, XXXX XXXX {$250.00} Has violated my rights and 602A states I have a right to privacy.

15 U.S.C. 1681 604A State credit reporting agencies bureaus or companies can not furnish my report without my written consent or instructions or furnish my accounts or report without my knowledge.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX CRED XXXX ONEMAIN XXXX COMENITYCAPITAL SALL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX ONEMAIN XXXX CAPITAL XXXX BANK XXXX XXXX ONEMAIN XXXX
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CA)

I think FCRA XXXX requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2024-03-07
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. (FL)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX Balance {$25000.00}
Consumer complaint received 2024-03-07
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. (CA)

After reviewing a recent copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please re-investigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. Again as previously stated under Fair Credit Reporting Act 15 U.S.C. Section 1681i, please re-investigate and update this disputed account. Please forward me the name and address of the persons contacted : EXPERIAN : XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX : XXXX XXXX XXXX Balance : {$22000.00} XXXX : XXXX XXXX XXXX Balance : {$22000.00}
Consumer complaint received 2024-03-07
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. (CA)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Please remove these inquiries from my XXXX XXXX report As pursuant to 15 U.S.C. 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Please provide me with strict proof I authorized these inquiries such as a application bearing my wet ink signature, contract or recorded telephone call.. In accordance with the fair credit reporting act public law 91-506, title VI, section 611, subsection A-D, I demand you provide actual proof the information was verified and not a computer generated confirmation. If you are unable to provide any of the above please delete all inquiries immediately from my XXXX XXXX report/profile -Clarity services a part of Experian ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX now ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Clarity services a part of Experian.. On behalf of XXXX XXXX XXXX XXXX date XXXX XXXXClarity services a part of Experian. On behalf oXXXX XXXX XXXX XXXX XXXX  -Clarity services a part of Experian. On behalf of XXXX XXXX XXXX  -Clarity services a part of Experian. on behalf of XXXX XXXX date XXXX XXXXClarity services a part of Experian.. On behalf of XXXX XXXX.. date XXXX  15 U.S.C 1681 section 602 A. states i have the right to privacy
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

The USAA Federal Savings Bank is Violation of the Termination of Bank Accounts that the Claimant ( XXXX XXXX XXXX ) Immediately Requires The FBI and a Federal Prosecutor to Appoint a Criminal Investigation a Dispute in Stolen Final Payment of {$350.00} US Payment with XXXX XXXXXXXX XXXX Fraud Department involving Illegal Stop Payment and Third Party Conspiracy FBI Criminal XXXX XXXX that is In Obstruction of Justice This Fraud and Illegal Stolen Securities MUST involve a Criminal Investigate Report sent by Certified Mail within 3 Business Days as Required by Federal Law to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The Federal Trade Commission must investigate Fraud with USAA Federal Savings Bank Fraud Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraud Agent XXXX XXXX XXXX XXXX XXXX XXXXXXXX Investigate with Impunity! 
( XXXX ) XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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.

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 2024-03-07
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. (NJ)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Account Name : XXXX XXXX Date of inquiry : XX/XX/2023
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX- I have been trying to do a better job at monitoring my report. I have requested that all 3 Experian, XXXX, and XXXX remove any negative reports that have been on my report for 7 years or more which Seven years is the length of time that many negative items can be listed on your credit report, as defined by the Fair Credit Reporting Act. I need this to be resolved so I can move forward in a positive direction.

Also - The significant difference in my FICO score some offering credit score only use certain agencies to make a judgment on how one appears according to their credit. I do my best to monitor each day the changes to my credit. My XXXX shows me at XXXX my XXXX is XXXX and my Experian score is XXXX However, when I look at my FICO score under additional scores for Experian- it shows a XXXX in regard to purchasing a home which is my ultimate goal. It also says ( As of XX/XX/2020 ) so this hasn't updated in 2 years? 
I also follow my FICO score with my Bank and they are showing my FICO score at XXXX. 

For those of us like myself who are doing what we can to rebuild our credit I am seeing that updates are not being made properly which leads to denial for First time home buyer Loans and Just ends up being a negative hit to my report yet it clearly says last update was 2 years ago? How is this fair to any consumer who is doing their best to have a better life? The problem needs to be resolved so those actually trying have a real chance. 

Please update my information and resolve these issues. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2024-03-07
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. (TX)

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the FAIR Credit Reporting ACT ( FCRA ), 15 USC 1681i ( 7 ). 

Under section 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 

Provide the description of the procedure of the investigation used to verify these accounts if you can't delete this account immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-05
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. 

The letters are stated with items and issues. 

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 2024-03-07
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX for {$120.00}, XXXX XXXX XXXX for {$37000.00}, and XXXX XXXX XXXX for {$330.00} 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 2024-03-07
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. (NC)

This complaint is for ALL Future, Past, And Current reports to my consumer report.

15 U.S. Code $ 1681b - Permissible purposes on my 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 and correction of any and all accounts IMMEDIATELY.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I cancelled an annual subscription on XX/XX/XXXX. The merchant ghosted my cancellation email, and charged me for both XXXX and XXXX. I filed a chargeback dispute with Citi ( which gave the merchant my updated card number WITHOUT my authorization ). Citi, without reviewing the cancellation notice, sided with the merchant because they provided a receipt of annual charge for XXXX and XXXX which I didn't authorize.