davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was never aware that I had a Bank of America credit card until I signed up for XXXX. 

On XX/XX/21, I called Bank of America to verify that I did not have any opened account with them. Bank of America confirmed that they can not find any of my information in the system because I " never opened an account with the institution. '' I immediately filed an online dispute with XXXX. However, the results showed that Bank of America " reported the information has certified to XXXX that the information is accurate. '' Therefore, the account remained open on my credit report. 

On XX/XX/21, I filed another dispute. The representative helped with personal information update. I noticed an unfamiliar phone number " XXXX. '' The phone number was removed along with the Bank of America account. However, I'm still seeing the account as open on my credit report until this date. The account also shows a highest balance of {$1600.00}.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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.

has violated my rights. Or a 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.
Consumer complaint received 2022-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CO)

Amerihome Mortgage  acknowledged they made a mistake and combined both our loans ( one is our primary home and one is a rental ) in XXXX of 2022. They also acknowledged they switched the loan numbers and failed to pay taxes on both properties. They also contacted the insurance companies and asked them to update the loan number attached to the address to the WRONG address. They acknowledged all these mistakes and more HOWEVER, it is XX/XX/2022 and these problems have not been rectified. HOW LONG DOES IT TAKE TO ASSOCIATE THE ADDRESS WITH THE CORRECT LOAN NUMBER AND PARCEL NUMBERS? HOW LONG DOES IT TAKE TO DO AN ESCROW ANALYSIS TO INSURE THE HOMEOWNER DOESNT HAVE ANY MORE MONEY STOLEN FROM THEIR ESCROW ACCOUNTS DUE TO AN INTERNAL PROCESSING ERROR BY AMERIHOME?
Consumer complaint received 2023-12-21
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Dave Operating, LLC (WI)

from XXXX Claim with id XXXX I had my card lost money was stolen out of my account I did not authorize any of these transactions it was not even my name on the transactions I kept getting all kind of reasons they denied my dispute even though it clearly wasn't me who made these transactions it was like they were literally lying about why they denied my dispute and did not refund my stolen money of XXXX $ from a XXXX I have never ever done business with this merchant I have bills to pay it's ridiculous how I been treated
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

I tried to use my Chase Business Ink credit card on XX/XX/2022 at XXXX XXXX and the card was declined. There is nothing due on my account & the balance is {$1500.00} with total credit line {$10000.00}. I did not receive a text, email, or account alert about why my card was declined. I tried to use the card again on XX/XX/2022 at XXXX XXXX and it was declined again, same thing no alerts sent to me as to why my card was declined. 

I called Chase Business today XX/XX/2022 was told by the fraud department the purchase was thought to be fraudulent on the XXXX and so they froze my account after the XXXX XXXX attempt to purchase. They told me they do not handle notifications & transferred me to Customer Service department because they thought it was my alerts that were not set up. My email & phone number were already added to the account so no one could figure out what was wrong & why I didn't receive an alert. Customer Service tells me it's the Fraud Department. I get transferred 7 different times between the 2 departments/supervisors. I finally get someone from both sides on the line at the same time and they finally admit they DO NOT have an alert for fraudulent activity. 

I would have NEVER chosen a credit card & opened up an inquiry on my credit report as a new business for a company that does not have fraudulent alerts sent out!! This is literally INSANE that in 2022, one of the most important notification alerts about potential fraudulent activities are not available from Chase to their customers. The rep from the fraud department said that each time it gets declined, I will need to call Chase.. so as a business owner, they want them to roll the dice and see if a charge will go through based on Chase every single time??? Having nothing to do with the actual account credit limit or past due payments? 

I need to know what can be done about this as now I have an open account with a company who fails to notify their customers about fraudulent activity.
Consumer complaint received 2021-05-24
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. (TX)

I received an alert that a new account showed up on my credit report for a loan that I have never applied for and don't want this on my credit report or want it to lower my credit scores being I never have applied for a loan with XXXX XXXX XXXX
Consumer complaint received 2024-07-02
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. (AZ)

I am formally requesting the REMOVAL OF LATE MARKS ONLY from the following accounts in my credit profile, as they are misleading and erroneous. Under the Fair Credit Reporting Act, 15 USC sections 1681i, you are required to complete your investigation within 30 days ; failure to do so will result in a violation of the Act and potential investigation by the Federal Trade Commission : XXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} XXXX : XXXX XXXX XXXXXXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} XXXX : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00}. Additionally, please provide evidence that these accounts belong on my report and ensure that my rights have not been violated. If no record exists, update the inaccurate account information as soon as possible.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have tried to get an error fixed 3 times and Experian has failed to address the issue in all responses. XXXX express is showing late payments. I did not have a single late payment with this account. There was en error in processing from the bank that had nothing to do with me.
Consumer complaint received 2022-11-08
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. (MD)

EQUIFAX STATED IN PREVIOUS RESPONSE THAT I NEEDED TO BE MORE SPECIFIC SEE LIST BELOW XXXX XXXX XXXX XXXXXXXX {$14000.00} XXXX XXXX XXXX {$340.00}
Consumer complaint received 2023-02-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (CA)

In XX/XX/XXXX I opened an account with Ally Bank, there was a promotion of 1 %, I put XXXX in the account and never received the {$100.00}. I have been told that they payouts started and mine would be in by XX/XX/XXXX. No payout at this time. Customer service had stated they had issues and since its less than 24 hours with no response to place the bonus in on the money that was kept through the promotion deadline XX/XX/XXXX and still there.
Consumer complaint received 2022-11-08
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. (PA)

XXXX promised to remove 30 day late as XX/XX/2022 and has failed to do so. My account was updated with credit bureaus on XX/XX/2022 and 30 day late remains
Consumer complaint received 2023-07-06
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX 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 2022-11-09
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. (CO)

I submitted a letter to the 3 Credit Bureaus to delete these unverified inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-11
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. (WY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-05-16
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed 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 XXXX 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 2022-11-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed 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 XXXX 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 2022-11-09
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. (FL)

Companies did not follow Laws Procedures when it comes to reporting on my credit report history. The Law 15 U.S. Code 1681b- Permissible purposes of consumer reports I have not given permission to the beaurus to show on my credit report some accounts neither they have a court order.
Consumer complaint received 2023-12-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (PA)

Purchased 8 Vanilla Visa cards through XXXX. Received them XX/XX/XXXX2023 tried to activate them, 4 activated with no problem, the other 4 would not activate and kept saying error. I contacted Vanilla and reported the problem, I also contacted XXXX, XXXX would not take them back to give me new ones, Vanilla said to wait 24 hrs, which I did and tried again same error, contacted Vanilla again, again they said wait 24 hrs I did. Then the 4th call they said there was no money on them. I said I haven't even got them to activate. They said to send in pictures of the cards front and back, along with my drivers license front and back and sales receipt which I did on XX/XX/XXXXXXXX  I sent it twice to make sure, I got 2 confirmation e-mails stating they received them. Have not heard anything and when I tried to put in my case number they said they have not received anything, I said I had 2 confirming emails that said they received them, so I sent in again today XX/XX/XXXXXXXX. At this point I don't think they are going to replace or refund the cards it seems like I keep getting the run around. These were XXXX  gifts totaling with purchase fees are {$490.00} the total gift cards were 2- {$200.00}, 1- {$50.00} and 1- {$25.00} and purchase fees for the 4 cards. They have to be able to see when I tried to activate them and wouldnt activate and all the calls.
Consumer complaint received 2022-11-09
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. (FL)

Companies did not follow Laws Procedures when it comes to reporting on my credit report history. The Law 15 U.S. Code 1681b- Permissible purposes of consumer reports I have not given permission to the beaurus to show on my credit report some accounts neither they have a court order.
Consumer complaint received 2023-01-25
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. (GA)

i am attaching a letter that explains why I am disputing the changes on my credit report. after reviewing my credit I am asking all the credit bureau reinvestigate the information on my report any misspelled or wrong information.NAME : XXXX XXXX XXXX Address:XXXX  XXXX XXXX XXXX ga XXXX Date:XX/XX/2023 I just looked at my credit report because i have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct andeverything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 
Account name : XXXX XXXX account number:XXXX  investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account name : XXXX XXXX account number:XXXX investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account name:XXXX XXXX XXXX  account number:XXXX investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account name : us bkpt ct GA XXXX account number:XXXX investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account name : XXXX XXXX XXXX account number:XXXX investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account name : account number : investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report.
Consumer complaint received 2023-03-12
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: EQUIFAX, INC. (FL)

There are a few inquiries that I did not apply for from XXXX, XXXX XXXX XXXX and XXXX. I did not apply for a personal loan nor these credit cards
Consumer complaint received 2023-01-01
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-01-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NJ)

I got the private student loan with American Education Services in XXXX and approved for XXXX dollar. I made a payment since XXXX made my payment since then which totals approximately XXXX dollars now. However I still have remaining balance of XXXX dollars. 

Account # XXXX Borrowed : {$20000.00} Paid : {$37000.00} Remain to pay : {$10000.00} as today 's date of XX/XX/XXXX Creditor : American Education Services ( www.aessuccess.org ) / XXXX I had talk with CS team and lender whom said I can not lower my balances anyhow. 

Please let me know what I need to do to avoid my remaining balances