davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I received an email on XX/XX/2023 from Bank of America notifying me that a bank account was opened in my maiden name, which is no longer my legal name. I had not opened any account, so I immediately called the Bank of America Fraud Department to let them know an account was opened fraudulently in my name, which had occurred once before with the same bank. A representative from the fraud department for Bank of America told me that they had closed the account and that there were no changes in funds in the account. I was also advised that a Identity Fraud Marker was placed on my account to keep this from happening again, but I had been told the same thing by Bank of America six months prior when the same thing occurred. On XX/XX/2023, I received a debit card for this account. I again contacted Bank of America to ask if the card was from the same account or a new unauthorized account. They were able to determine that the card was for the same account, and that a freeze had been placed on the account but it had not been closed as I was told it had. The representative at Bank of America, XXXX, reportedly closed the account. Since that conversation, I have received two months worth of bank statements for the account despite it reportedly being closed suggesting it is not. Bank of America also has not sent me any documentation regarding closure of the account despite requesting this via my phone conversations with them and via letter. I have repeatedly requested that Bank of America close this fraudulantly opened account and can only assume at this point that they are actively avoiding closing the account because they are themselves engaging in fraud.
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IA)

On XX/XX/XXXX I noticed an unauthorized charge to my chime debit card for XXXX in the amount of {$130.00}. Upon noticing I called immediately but was told to call back due to the transaction still showing pending. I called back once the transaction fully posted. They denied the claim and requested more proof that in fact it was fraud. I called XXXX XXXX on a conference call to confirm I had no business with then still denied my claim. Called again XX/XX/XXXX And spent over an hour speaking to a XXXX by the name XXXX who ensured that was an error and he would get it resolved and asked me to send him via email my phone log to show the calls, which was sent immediately only to be denied within minutes stating there is no issue.. the issue is its a fraudulent transaction over {$100.00} Please help
Consumer complaint received 2023-06-28
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: Aldous & Associates, PLLC (CA)

Aldos & Associates keeps changing the date on a collection from 2017 gym membership. It was for a free trial I forgot to cancel. Because I didnt renew and keep this membership they placed it into collections. This is unlawful and I can prove this issue is from 2017. The fact that I care should display character that Im being honest. Please help me remove this.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

am always having issues in opening an account online, it's always saying i couldn't verifying my identity in all the banks i try to open online which is wrong because i am very sure of details that i put in any of the applications that was applying for to be 100 % correct and this has been happening for a while to me. i would always have go to any bank branch of any of banks i need open and its really stressful and frustrating for me
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (GA)

Hey so basically I tried calling for them to possibly waive my annual fee but their agents would disconnect ( happened 3 times ) and or they would act like they couldnt understand what I meant and would passive aggressively inch me off the call till I was just saying the same thing and they were playing dumb.
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (VA)

Credit Collection Service ( CCS ) has put a collection item on my credit report. I have never received services/contract with them. They refuse to furnish me with a contract for goods/services that I received from them. How can I pay for something that legally I don't owe?
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on the accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXXXXXX XXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00}
Consumer complaint received 2018-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Collection Consultants of California (CA)

XXXX XXXX continues to erroneously report ( and puts back on my credit reports if removed ) that I am not making payments debts that are more than 4 years old. ( past the statute of limitations in CA ) They are not allowed to report a late payment because the account has been closed for years and I have never agreed to pay them. Every month they erroneously report late notations.
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION (MO)

I'm always referred to a pre-Adverse action on every back ground check in the state of Missouri I can't get passed the background check I am always up front about my past affairs but the go back to 2000 looking into my record it has hender me from alot of good jobs and they take q month too come back to tell me I didn't get the job cause whatever is on my record it kills me. Please call me XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed due to violation of the FCRA. The date of last payment was XX/XX/XXXX and this account has since been closed, yet Experian is reporting late payments in XXXX and XXXX of XXXX. How is this accurate? I will be seeking legal action if this account is not deleted. Experian is the only credit reporting agency reporting 2 late payments on this account. See the attached credit report showing the discrepancies and remove the following account immediately : XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-28
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: Advantage Credit, Inc. (NY)

This is a formal request to delete the inquiries listed below from my credit report. To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history. With that bein said, the inquiries are violating the Fair Credit Reporting Act. Section 1681b ( c ) : Transaction not initiated by consumer and need to be removed immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC. (TX)

15 U.S. Code 1605 - Determination of finance charge THE SUM OF ALL CHARGES WAS NEVER INCLUDED IN THIS FRAUDELANT LOAN, AS THE ORIGINAL CREDITOR THERE SHALL NOT BE A FINACE AMOUNT. 

ALSO, INSURANCE COSTS WAS NEVER ADDED TO THIS CONTRACT. 

TAGS AND REGISTATIN WAS NOT INCLUDED AFTER MY VEHICLE BEING PAID OFF THIS VEHICLE WAS STOLEN FROM XXXX XX/XX/2022 I DID REACH OUT TO SANTADER NO LUCK, I DID ATTACH DOCUMENTS AND XXXX POSTAL TRACKING CONFIRMATION RETURN MONEY AND PROPERTY SINCE I AM NOT LIABLE 15 U.S. Code 1635 - Right of rescission as to certain transactions ( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as XXXX money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value.
Consumer complaint received 2023-06-15
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXX XXXX  XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XX/XX/XXXX - XX/XX/XXXX- XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX 120 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 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. not later than 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 identit 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 und 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 consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-03-04
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. (OH)

Pursuant to 15 USC 1681b credit reporting is voluntary and I did not consent neither did I provide written notice to report account status With XXXX XXXX XXXX XXXX and XXXX XXXX, Transunion, XXXX or XXXX. 

In accordance with the Fair Credit Reporting Act this creditors XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights under 15 USC 1681 section 602. I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 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. 

XXXX XXXX also has many inaccuracies on my 3 credit profiles and the FAIR CREDIT REPORTING ACT entails me to a clean fair credit report and all XXXX bureaus shall be providing ACCURATE information. 

I HAVE NEVER BEEN LATE ON THE POSSIBLE FINANCE ACCOUNT On XXXX! 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to ON TIME, NEVER LATE as they should be as I was NEVER Lat
Consumer complaint received 2024-03-05
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. (TX)

FCRA Violations NOT mine not my credit cards XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7200.00} Status Account charged off. {$7200.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1900.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
THE XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4500.00} Status Account charged off. 
not my addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (OK)

I got copies of my credit report and found a fraudulent account by Acima Digital FKA Simple. I have tried sending a debt validation letter to this company to verify this debt and was sent a letter stating my dispute was frivolous or irrelevant. I have never agreed to have any type of account with this company.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

Dear Sirs, I opened a Citi XXXX XXXX XXXX account. This card offered a 19.74 % promotional rate for the card. The consumer would receive XXXX miles for spending an amount of {$3500.00} before XX/XX/2022. I met the goals to obtained the miles. I was approved for this card on XX/XX/2022. I received the credit card in XX/XX/2022. My due date on the card is the XXXX of each month. I have paid XX/XX/2022 {$500.00}, XX/XX/2022 {$300.00}, XX/XX/2022 {$460.00}, XX/XX/2022 {$600.00}, XX/XX/2022 {$560.00}, XX/XX/2022 {$560.00}. I always pay before the XXXX of each month. The Citi rep stated that, I could lower my APR and interest by deferring some of my purchases with a lower rate Then my current interest rate of 28.74 %. I was shocked. The Citiflex plan rate was {$27.00}.. I questioned why my APR was so high. I didn't get a straight confirmed answer. Please note to obtain this credit card you needed a minimum credit score of XXXX or higher. I have been traveling out of the country. Citi card is aware of the location. The payment on XX/XX/2022 didn't clear my bank. I didn't understand why .I called a representative to give them the debt card from that checking account on XX/XX/2022 so, that my credit payment could be deducted immediately. I received a email from Citi XXXX on XX/XX/2022 that the payment returned which, I informed them initially on XX/XX/2022 that it would per our recorded conversations. I rectified the issue immediately before the XX/XX/2022 email.. I contacted Citi XXXX on XX/XX/2022 to inquire as to why they closed my account. They stated because of my late payment. I told them that I contacted you about the initial payments made. The email generated on XX/XX/2022 requested I make another payment. The representative stated that I should've been alright. I'm out of the country. I need my card for the miles and business. My credit is prestine. I have contacted Citi XXXX to give me a copy of the service agreement today on XX/XX/2022 to confirm the verbiage that indicates the reasons how they have a right to close my account .They wouldn't mail or email the information. My payment history is great. My credit is prestine. I only have this credit card. I don't carry debt. I'm requesting your assistance to having my credit card reopened and my interest rate lowered. If my credit score has dropped from XXXX until now it's do to my credit card being closed. I'm a mortgage consultant. I know how the credit scores work and surely don't have a lot debt. I truly appreciate all of your help in assisting me to resolve this matter. Best Regards, XXXX XXXX
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update or correct these negative accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
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. (GA)

On XXXX XXXX a dispute was submitted for an unknown account on my credit report. I have no knowledge of this account. On XXXX XXXX. The account came back verified. I have not been provided any verification or any Information that confirms the validity of this debt. I have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX  ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

This same incident occurred with other unknown accounts being reported and no investigation is actually being conducted.