davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have sent several certified letters to Experian credit bureau on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to remove addresses and accounts that aren't mine and are errors. They have failed to provide me with necessary documentation verifying the accounts. They havent send me a MAILED COPY of my credit report even though i have request a copy in each letter. The last certified letter i sent they sent me a email stating they didn't receive the necessary documentation to complete my investigation. I know for a fact that all the information needed was sent! they have been giving me a difficult time and it has mentally stressed me out! I need these things to be removed! i have given them all the information they need and they have contentiously disregarded looking into my claims.
Consumer complaint received 2023-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Bank of America Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Unauthorized Closure of Checking Accounts Urgent Resolution Required Dear Bank of America and XXXX XXXX XXXX XXXX I hope this letter finds you in good health. I am writing to bring to your immediate attention a distressing matter concerning my banking relationship with Bank of America. 

Recently, I discovered that both my personal checking account and business checking account were closed without my explicit permission or authorization. I want to emphasize that I did not provide any directive to initiate such closures, and this action has created significant disruption and inconvenience for my personal and business financial affairs. 

It is my understanding that, according to banking regulations, closures of accounts should only occur under specific circumstances and with proper authorization. The closure of my accounts without my explicit consent raises serious concerns about the adherence to legal and ethical banking practices. 

I kindly request a thorough investigation into this matter to determine the circumstances surrounding the unauthorized closure of my accounts. Additionally, I would appreciate clarification on the reasons for this action and request the reinstatement of my accounts if this closure was done in error. 

I believe in resolving this matter amicably and trust that you will address it with the urgency and seriousness it deserves. To facilitate communication and provide any necessary documentation, I can be reached at XXXX or XXXX. 

I anticipate a swift resolution to this issue and appreciate your prompt attention to the matter. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-05-05
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. (NY)

On or about XX/XX/XXXX XXXX XXXX ( XXXX ) fraudulently filed an assignment of mortgage with XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX  XXXX ). At no time was XXXX the owner or assignee of the Note. XXXX assigned the Note fraudulently, unlawful and or illegally to XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
On or about XX/XX/XXXX XXXX Bank filed a foreclosure action against me. Pursuant to my filing a Motion to Dismiss the foreclosure due to a lack of standing the XXXX Supreme Court dismissed the action on or about XX/XX/XXXX. 
Since XX/XX/XXXX XXXX has been reporting to the Credit bureau that the " account '' is past due and in foreclosure. This is totally incorrect. I have been trying to resolve the issues with XXXX. 
The lender, XXXX was closed by the Office the Comptroller of the Currency on XX/XX/XXXX. 
On or about XX/XX/XXXX a TILA Notice of Rescission was sent to XXXX and also registered with the XXXX XXXX. There were no timely action or any action taken by XXXX to set aside the Rescission. XXXX has failed to act as directed by the Statute 15 U.S. Code 1635. The transaction was not consummated and no disclosures were sent and or received. 
I am seeking your help to have XXXX cease and desist their credit reporting, and to return the voided note and mortgage if they are in their possession. 
A cease and desist letter was sent to XXXX to stop paying Real Estate Taxes and Insurance as they do not have my authority to do so. A cease and desist letter was also sent to XXXX demanding that they cease making credit reporting to the bureaus.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently received an adverse reaction letter for a job. I pulled my report reference # XXXX saw that I have the following inaccurate information : TRANSUNION- my name is reporting formly as XXXX XXXX The following are reporting as previous addresses XXXX XXXX XXXX XXXX Ohio XXXX and XXXX XXXX XXXX XXXX Ohio XXXX lastly my employer is reporting as XXXX XXXX XXXX I am certain this information is why I did not get the job and would like to submit a dispute.
Consumer complaint received 2023-10-07
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)

Back in XXXX i reached out to all 3 credit bureaus in regards to 2 frau accounts that do not belong on my files. They are a result from identity theft/fraud. per 15 usc 1681b you all are breaking the law. I did not authorize anyone to furnish this information, let alone FALSE INFORMATION AT THAT! This matter must be resolved properly and quickly because they are hindering me from getting my home. I should not have to suffer for accounts that do not belong to me and accounts that i did nit personally authorize myself.
Consumer complaint received 2023-10-07
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: Experian Information Solutions Inc. (TX)

I'm a victim of ID Theft. Please remove the following inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX
Consumer complaint received 2023-10-07
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. (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.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-10-07
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. (PA)

I reviewed my credit report in XXXX of 2023 and seen that all three reporting agencies XXXX, XXXX, & Experian has been reporting multiple accounts in which has been reporting inaccurate information. These accounts has be caused damage to my creditworthiness due to inaccurate reporting. I have disputed these account several times with each reporting agency and they have not resolved these issues. According to 15 U.S.C 1681 there should not be any damages on my consumer report, that is a deformation to my character
Consumer complaint received 2024-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts 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 Balance : {$5200.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2023-10-07
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: EQUIFAX, INC. (IL)

XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX, Dispute this Address XXXXXX/XX/XXXX XX/XX/XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX FACTUAL DATA Dispute this Address XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Date of inquiry XX/XX/XXXX FACTUAL DATA Dispute this Address XXXX XXXX XXXX XXXX, PA XXXX Date of inquiry XX/XX/XXXX FACTUAL DATA Dispute this Address XXXX XXXX XXXX XXXX, PA XXXX XXXX of inquiry XX/XX/XXXX XXXX DEPARTMENT OF EDU Dispute this XXXX XXXX OLD XXXX XXXX XXXX XXXX, NY XXXX XXXX of XXXX XX/XX/XXXX XX/XX/XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX of inquiry XX/XX/XXXX XX/XX/XXXX Dispute this Address XXXX XXXX XXXX XX/XX/XXXX, GA XXXX Date of inquiry XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX XXXX XX/XX/XXXX Dispute this Address XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/XXXXXX/XX/PAYPAL Dispute this Address XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/ Dispute this Address XX/XX/ERVILLE-TIMONIUMXXXX MD XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My debit card was stolen unauthorized transaction of a total of {$1900.00} was made.I had gotten a check from the irs and then suddenly someone used it on a betting website XXXX  I have contacted Bank of America I made a claim I want it to reimbursed my account was seized I changed everything from passwords to locking my card and requesting to get a new debit card. I have a pending date until to hopefully return my funds back to me. I contacted Bank of America they told me I have to wait 10 business days until then the fraud claim was made on XX/XX/2023.
Consumer complaint received 2021-07-26
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: EQUIFAX, INC. (MI)

Dear, XXXX, Equifax, XXXX  I NOTICED IN MY CREDIT REPORT ACCOUNTS IN MY EQUIFAX, XXXX, XXXX  CREDIT FILE THAT ARE INACCURATE AND I TREID TO REACH OUT TO THE TWO THE CREDIT BUREAS IF THEY CAN INVISTAGATE AND RESPOND TO BE WITHIN IN 30 DAYS. THEY HAVE NOT RESPONDED SINCE MY FIRST LETTER THAT I SENT CERTIFIED. ON XX/XX/2021. HERE ARE THE TRACKING NUMBERS. AND THEY WERE RECEIVED. XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE PROVIDE A TIMELY RESPONSE TO THIS MATTER AS MY LIFE DEPENDS ON XXXX MY FAMILY IS COUNTING ON THIS.. I AM THE ONE AND ONLY PERSON WHO WROTE THIS DISPUTE. PLEASE DO NOT RESPOND BACK SAYING ANYTHING OTHERWISE.. THANKS FOR YOUR TIME
Consumer complaint received 2021-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX my Capital One credit card was charged fraudulently for two transactions, one totally {$7500.00} and the other {$4300.00}.

The charges were made in a region ( XXXX, NY ) about 6 miles from where I live ( XXXX, NY XXXX. At the time of the charges ( XXXX and XXXX ) I was at home with my wife and child. I reported the charges as fraudulent via text at XXXX after receiving an alert to my phone and called Capital One from my home at XXXX to confirm my card had been suspended.

Capital One are reporting that a physical card was used in the store and because I am not certain whether my card was lost or stolen at the time, they are refusing to refund those charges. I did not make those purchases and can verify that I was not in that area at the time those charges were made. This is a clear case of fraud and I would like to bereimbursed.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is my second time writing the company Equifax to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses as following, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also some names on my account that are not mine or spelled wrong on my credit report that needs to be deleted as following, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( this name is on my account twice which should not be on my credit report twice. ) XXXX XXXX XXXX My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section I do not work at any of the places listed and should not be on my credit report. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Remove Account from my report. 
This account is a collection/ charge off. The account should not be listed as open the account has no payment agreement and should not have any late payments. Its a violation of the FCRA. 
The Company has made false accusations claiming to certify the validity of the account. I have supplied documentation from the company itself stating they will move the account in 30 days. I provided the letter to the credit bureau.
Consumer complaint received 2023-08-05
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. (MT)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # 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 Section 2 : States a consumer reporting agency, can not furnish an account without my written permission.
Consumer complaint received 2022-11-29
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. (NC)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-07
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. (GA)

In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX - ending in XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX - ending in XXXX XXXX XXXXXXXX XXXX  - ending in XXXX XXXX ending in XXXX XXXX XXXX- ending in 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 


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.