davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-07
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX, I 'm writing on behalf of my mother XXXX XXXX, property address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
In XX/XX/XXXX, my mother was approached by a loan officer of Bank of America for a reverse mortgage. At the time, my mother was diagnosed and legally declared XXXX. The loan officer knowingly gave my mother a Reverse Mortgage while she was declared XXXX XX/XX/XXXX. 
At that time, in XX/XX/XXXX, my mother was not even living in the subject properly listed above. My mother living her Sister, XXXX XXXX. 
I recently spoke to a friend about my mom 's situation, and was told all the activities were done in XX/XX/XXXX was against the law and HUD/FHA guidelines. 
My mom 's property is now in jeopardy of a foreclosure if all he back taxes are not paid up by XXXX XXXX, XXXX. 
I really need your help looking into this matter and stop the foreclosure proceeding since the loan was not even supposed to given to my mother. 1. my mother was not XXXX at the time, and 2. she was not an occupant at the time. 
Any supported documents for my mother 's condition at the time can be provided to support my claim. 
Thank you so much for you time and assistance.
Consumer complaint received 2023-05-20
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. (IL)

I look at my credit report and seen an account that is not mine its XXXX XXXX  bank as a charge off as bad debt in which it does not belong to me it says status update XX/XX/2018 last payment XX/XX/2018 XXXX
Consumer complaint received 2017-03-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Hello, I am filing a complaint against Nissan Finance located in XXXX, OH for harrassing phone calls. These calls started on XX/XX/2017 and have come at a rate of at least ten calls per day, everyday to current date. The calls are starting at XXXX to XXXX ET. They are coming from XXXX mostly, however, since I am not responding they are calling from several other numbers. I have explained to Nissan that I am running behind on meeting my obligations on time each month however, have paid them each monthly payment, although late. Currently I owe one month ... but continue to receive harrassing calls. 
This company has violated the FDCPA laws by calling before XXXX & after XXXX. They are calling multiply occassions every day. I am requesting actual damages of XXXX per call due to debt collector that has & continues to violate the FDCPA.
Consumer complaint received 2023-05-12
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. (MI)

15 U.S.eeC 1681 Sectiqn 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ive never lived at these addresses, someones been using my identity XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Consumer complaint received 2023-05-29
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. (IN)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 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 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute a late payment that was recently reported on my credit report. According to my records, the payment was made on time. However, it appears that there is an error in the reporting, and the payment was incorrectly marked as late.
Consumer complaint received 2020-12-17
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. (CT)

transunion,, XXXX. 
XXXX.. 
All are reporting different things on my credit reports I tried to dispute but they won't dispute these things on my credit reports, I informed them that I am not aware of these accounts and have no knowledge And they still are showing on my reports.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-08-20
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

It is unacceptable that BoA sent this XXXX XXXX person a letter containing my personal business when I do not know this person, the first time I have even seen this letter was in BoA 's last response, and I have never given BoA any permission to send anything to anyone but myself. You contacted a third party without my permission and this is the final straw. I also want to add that BoA has said nothing of the XXXX XXXX case regarding filing a XXXX and expecting someone to pay them back after forcing them to file this as income overruling what the IRS says, and I would also like to point out that BoA will not release the recordings because they prove my point. Also, if there was no other account with my name on it then tell me why I have a statement from this account, and I also like how you only added statements up until I was married, again skating around the issue that I am right. My lawyer for the XXXX case was XXXX XXXX of the XXXX XXXX and not the XXXX guy.
Consumer complaint received 2023-05-20
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 XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE DELETE UNAUTHRORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (CA)

Collection Bureau of America has been attempting to collect debt I do not owe. I have attempted to get information from them and they sent me statements that are not mine. There has no proof with a written, signed contract that I owe this debt. They are claiming that I owe them a debt when I have no signed contract with them. 

This is in violation to my right to privacy, which Collection Bureau Of America has violated 15 U.S.C 1681. Also furnishing information to Credit Reporting Agencies without my written permission-15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and 15 U.S.C 1681s-2. ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 USC 6802-Obligations with respect to disclosures of personal information- I have never done business or owe debt to Collection Bureau of America and claiming that I owe debt 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES.
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I filed a complaint with a representative over the phone regarding this matter already. Due to a mobile deposit back on XX/XX/2022, did not clear after 3-5 business ( not including weekends ) having many transactions being declined. Also, charging {$30.00} stop payment fees for every merchant knowing that I have overdraft protection ( not allowing for transactions if there's no available money in the account. I decided to close my account due to many discrepancies as when clearing in the account.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/2022
Consumer complaint received 2023-05-29
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)

EXPERIAN is obligated by the FCRA to report accurate accounting. Consumer has advised the account with XXXX is FRAUD. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EXPERIAN to provide documentation used to determine XXXX  account was indeed authorized by the consumer. EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used and signed application with consumer WET INK SIGNATURE. Consumer is not asking for an E-Oscar report. If EXPERIAN does not have documentation to show these were in fact authorized, it must be removed asap. Said company is liable under the SEC to follow certain rules. EXPERIAN 'S Commission file number is notated and I will be filing form 211 treasury omb forms to audit consumers account. EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their Consumer File NOT Consumer Report.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-12-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Reliable Credit Association, Inc. (WA)

My bank account was compromised in XXXX and all my money was stolen. Because opted not to prosecute the bank did not give my money back, which caused all my bill to be late and a financial hardship. I have two accounts with Reliable Credit and I tried to combine them so I could make one payment instead of two. I was told by the XXXX XXXX office where I have one account I could, but the XXXX office where I have my second account said I could not. While I waited for a response my account when further past due. By XXXX I was told to pay the full balance or go into collection for loan number 1 at the XXXX XXXX branch. I said I did not have the over XXXX amount and she immediately wrote off my account in XXXX during a pandemic. I was told today by XXXX the Vice President of Reliable that they ask for the past due and not the full balance. I informed him that the manger at the XXXX XXXX store demanded the full balance or I would have tried to work something out. I tried to fix this back in XXXX, XXXX and now again in XXXX. I just want them to do the right thing. I have had a past loans with them and always paid on time. I also have an existing loan with them and pay it on time too. I feel I should not have had this done to me during a Pandemic.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

there has been hacks into Equifax XXXX XXXX and XXXX systems in the credit reporting on my credit report is incorrect. Also I never gave them permission to report any of the companies reported on my report according to 15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2023-05-29
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-17
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: General Motors Financial Company, Inc. (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, AMERICREDIT and XXXX XXXX XXXX add a hard inquiries on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-11-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SUNCOAST CREDIT UNION (FL)

A CHARGE OFF ON YOUR CREDIT REPORT MEANS THE DEBT IS CONSIDERED INCOME ACCORDING TO THE IRS. FCRA STATES IT IS UNLAWFUL TO REPORT INCOME ONTO YOUR CREDIT REPORT. 
Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Times XX/XX/90 days late XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-05-29
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. (NJ)

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. I am formally requesting that these matters be investigated properly and immediately. The account information listed directly below is inaccurate, and I dispute the validity of each. As per the FCRA you must delete all entries to my credit file that can not be proven to be accurate. Likewise, you must provide me with your Method of Verification. You are a partial owner of the E-OSCAR system, which has proven to be unreliable for the intended purpose of my dispute and does not constitute the legally required independent investigation that you must conduct.

For clarity, the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623. I will assume that by the very nature of your business, I do not need to provide definitions of what is covered under each of these sections individually.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

While making a deposit to the ATM right outside the bank during after hours, there was an issue with the machine. It turns out it did not accept the bills but it accepted the checks. When we left the ATM machine we were in belief that all the checks and cash were accepted but it turns out that was not the case.
Consumer complaint received 2022-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

XXXX XXXX XXXX has charged and attempted to collect a debt for {$440.00}. I have filed for identity theft with my attorney and this was a charge that was to be taken off the credit report. The report is closed, but not taken off. To be more specific, there are ( 2 ) charges for {$220.00} each totaling {$440.00}. Im submitting this report to have this account removed from my XXXX, XXXX, XXXX accounts.
Consumer complaint received 2016-09-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: RS Clark and Associates, Inc. (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, XXXX