davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
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. (GA)

After reviewing my report I found a few errors on 3 accounts these account arent accurately reporting and based on consumer laws they should be removed im having issues with my disputes not properly being investigated im requesting all 3 accounts are thoroughly investigated and mail all proof of theses accounts along with wet signatures of any documents I signed opening these accounts. 

XXXX XXXX closed account XXXX XX/XX/XXXX XXXX XXXX closed account XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

This is the SECOND time Bank of America has allowed an account be opened under my name and information. The 1st time I reported it and it was closed. Now i received 2 emails to verify my email for online banking account and to congratulate me on opening the account
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute and register a complaint regarding the repeated inclusion of inaccurate addresses and collections on my credit report. These inaccuracies have caused me significant distress and have adversely affected my creditworthiness. I have attached a copy of my credit report highlighting the disputed entries for your reference. I have identified several instances where incorrect addresses have been associated with my credit report, as well as collections that I believe have been inaccurately reported. These discrepancies have not only been a source of frustration but have also hindered my ability to access credit and secure favorable financial terms. I would like to emphasize that I have never resided at the addresses in question, nor do I have any knowledge of the collections listed on my credit report. These inaccuracies are causing unwarranted harm to my creditworthiness, and I am committed to ensuring that my credit report accurately reflects my financial history. I kindly request that you conduct a thorough investigation into these discrepancies as required by the Fair Credit Reporting Act ( FCRA ). Specifically, I request that you : Verify the accuracy of the addresses listed on my credit report and promptly remove any addresses that are not associated with me. Investigate the collections listed on my credit report and verify their legitimacy. If any of these collections are found to be inaccurately reported or not mine, please remove them immediately. I also request that you provide me with a written response within 30 days of receiving this complaint, outlining the actions taken to correct these inaccuracies. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me. Please assist me to delete these following inaccurate addresses and collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute and register a complaint regarding the repeated inclusion of inaccurate addresses and collections on my credit report. These inaccuracies have caused me significant distress and have adversely affected my creditworthiness. I have attached a copy of my credit report highlighting the disputed entries for your reference. I have identified several instances where incorrect addresses have been associated with my credit report, as well as collections that I believe have been inaccurately reported. These discrepancies have not only been a source of frustration but have also hindered my ability to access credit and secure favorable financial terms. I would like to emphasize that I have never resided at the addresses in question, nor do I have any knowledge of the collections listed on my credit report. These inaccuracies are causing unwarranted harm to my creditworthiness, and I am committed to ensuring that my credit report accurately reflects my financial history. I kindly request that you conduct a thorough investigation into these discrepancies as required by the Fair Credit Reporting Act ( FCRA ). Specifically, I request that you : Verify the accuracy of the addresses listed on my credit report and promptly remove any addresses that are not associated with me. Investigate the collections listed on my credit report and verify their legitimacy. If any of these collections are found to be inaccurately reported or not mine, please remove them immediately. I also request that you provide me with a written response within 30 days of receiving this complaint, outlining the actions taken to correct these inaccuracies. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me. Please assist me to delete these following inaccurate addresses and collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-30
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. (OH)

Experian is being negligent in reporting incorrect information on my credit report when it was not legally verified, corrected or deleted. These accounts do not meet the requirements of the FCRA and they are required to delete them immediately. they have continued to send me letters merely stating the account was " verified '' I have asked for the method of verification although they refuse to send it to me. the other bureaus were not able to verify this item but yet Experian claims that they can which baffles me as to how they are allowed to continue to report unverifiable information on my credit report. 
XXXX XXXX XXXX XXXX is an unverifiable item and they have permitted this company to continue to report this delinquent account onto my credit file regardless of the laws set forth in the FCRA.
Consumer complaint received 2023-05-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America sent out advertising to its Preferred Rewards customers in early 2023. 
I have uploaded a copy of this mailing notice. The notice promotes a " 5 % interest rate booster ''. I tried several times to secure a Savings Account offering 5 %. It turns out that the " 5 % '' was an adjustment to the existing interest rate. In other words if the rate was .1 % ( point 1 ) the new rate was .105 % -- not 5.1 %. I find this advertisement misleading. It took me several visits to a bank to finally determine what they were offering. Even footnote 3 does not clarify that the booster is a percent of a percent. 

Please note that underneath the add, it speaks of a .25 % interest rate discount on borrowing. In this case, the .25 % is an absolute adjustment to the interest rate. 

So, this advertisement has inconsistent usage of percentages on its face.
Consumer complaint received 2023-09-08
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. (TX)

I've discovered inaccuracies on my credit report ( s ). I've reached out to Equifax and XXXX, and XXXX regarding inaccurate reporting to no avail. 

There's a fraudulent inquiry on my Equifax report from a company listed as XXXX, I never gave permission to this company and/or any person to access my credit profile. Please delete this fraudulent inquiry. 

I have reason to believe someone living at a former address has/have access to my personal information. 

Equifax has inaccurately listed my FORMER address as my current address. 

I would like to have all former addresses deleted, XXXX XXXX XXXX XXXX XXXX, Tx XXXX and XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Tx XXXX Furthermore, XXXX has repeatedly ignored demands to remove information that is inaccurate and/or fraudulent. 

I have never been associated with the following address : XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX My Employer is inaccurate and/or fraudulent : XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX All of the following phone numbers are not mine and should be deleted immediately as well : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  issues as follows : Name ID # XXXX Address ID # XXXX All inaccurate, and should be deleted immediately.
Consumer complaint received 2022-11-25
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. (CA)

In accordance with the Fair Credit Reporting act 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 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 2023-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING LLC. BE ADVISED, this is not a REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. 
This is NOT a request for " verification " or proof of my MAILING ADDRESS, but A request for VALIDATION made PURSUANT to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. 
At this time, I will also inform you that if your offices continue to report invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) THIS ACTION MAY CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTIONS AGAINST YOU AND YOUR CLIENT FOR THE FOLLOWING : VIOLATION OF THE FAIR CREDIT REPORTING ACT, VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT, AND DEFAMATION OF CHARACTER ( PER SE ). 
ALSO, I REQUEST ANY DOCUMENTS WITH MY SIGNATURE STATING I OWE ANY DEBT ( WET SIGNATURE ). IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED IMMEDIATELY!
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

I've tried contacting XXXX, XXXX, as well as XXXX XXXX concerning their fraudulent reporting they've been placing on my credit report. I've called and disputed this since XX/XX/2023 to no available helps, no agent has been able to even confirm the account. According to their reporting to Experian, they are making claims to have confirmed the accuracy while indeed it is fraud. I don't nor have I ever held an account or authorized use with XXXXXXXX XXXX, XXXX, or XXXX or authorized the use of my information as a co-signer/authorized user. It's been incredibly frustrating getting this removed from my credit report and to keep my score from dropping. The card number provided by XXXX via mailed letter, has not been able to be located nor my information as a whole. The company has sent a letter but the contact number listed, they have said there is no account with my information. Incredibly confusing, enraging, and frustrating to say the least. I do not live in the state in which the account was opened. I did not authorize my information to be used. The company was not able to locate the account number sent via mail and multiple employees as well as managers on a recorded line are saying the account doesn't exist yet it is on my credit report and causing my score to drop in large numbers.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Early Warning Services, LLC (CA)

I have an account of XXXX XXXX  and my friend has an account of BOA. I sent her XXXX dollars through Zelle transfer on XX/XX/XXXX. Money was immediately gone in my XXXX XXXX  account but was never delivered to my friend XXXX  account. We tried to ask XXXX but they said they could do nothing. We tried to ask XXXX XXXX  for dispute the transfer, but they have no response yet. We tried to contact Zelle, but can not. Please help me with the issue. I would like to get my money back.
Consumer complaint received 2018-04-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I am very concerned about policies limiting financing to companies engaged in the gun industry! I believe this is a violation of anti-discrimination law. What happens when the banks decide that we should no longer purchase vehicles which use fossil fuels, that we should all drive solar/battery powered cars? What happens when prolife organizations are deemed unacceptable by lenders? What would happen when black businesses are deemed too risky? What right do lenders have to pick the policies that we are all forced to live by and suppress policies with which they disagree? This is a very dark and dangerous path for us to choose and I would suggest BOA and XXXX XXXX need to take a step back and reconsider their policies regarding the gun industry and if they will not they should certainly be held accountable for this dangerous behavior! To me this is very comparable to the baker providing services to gay individuals, to separate restrooms for white versus black individuals, and even to equal pay for women versus men. We all supposedly ascribe to the principal of equality and these new policies of BOA and XXXX certainly violate these principals.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I have disputed a name that reappears on my credit report with Experian. This name has reappeared at least XXXX times after the dispute results in the removal of the name. Ive asked Experian not to allow the reporting of the name on my report and have been promised on numerous occasions that it would not be allowed to reappear on my credit report, only to have the name reappear regularly. Experian has the ability to block this name that does not belong to me from reporting on my credit report and causing my credit report to report inaccurately. I have a right to a 100 % completely accurate credit report at all times and should have only had to dispute this name once and it deleted once. I should not have to dispute this name multiple times like this.
Consumer complaint received 2023-07-13
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. (TX)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2021-05-12
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: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and XXXX and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-03-12
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. (SC)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-04-29
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)

In accordance with the Fair Credit Reporting Act the list of accounts listed below have violated Federal protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 
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