davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Used my Bank of America account using XXXX to transfer {$400.00} on XX/XX/18 to a contact who shared phone number, email & full name with me. He confirmed receipt of money transfer and went missing. Bank of America can't help nor can XXXX. Would really appreciate my funds back especially since BofA sponsors XXXX transactions.
Consumer complaint received 2023-06-11
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX CHILD SUPPORT ENFORM, 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
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite my numerous attempts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Consumer complaint received 2023-08-12
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. (MI)

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 ) has violated my rights. I want to emphasize that I never actually occupied the apartment for which I am being unjustly charged. Despite this, the apartment 's cost is affecting my credit report, and I have made multiple attempts to contest this with the relevant company. Their assertion that we reached a resolution is false, as no agreement was genuinely reached. I insist that the {$8300.00} collection by XXXX XXXX XXXX XXXX be promptly eradicated. The basis for this demand stems from fabricated claims of tenancy, as I never moved into the apartment. It's critical to note that no evidence has been presented to validate my occupancy there, despite my repeated requests for such proof. The actions of XXXX XXXX XXXX not only involve fraudulent activities but also jeopardize my well-being due to the unwarranted credit report, which is the sole obstacle preventing me from securing a safe living space. 

XXXX XXXX XXXX XXXX XXXX XXXX has egregiously infringed upon my rights by incorrectly reporting 12 instances of late payments. This erroneous reporting has had a significant negative impact on my credit score, thereby impeding my ability to secure housing and obtain credit. Notably, this pertains to a school loan, which by its nature should not have been disclosed publicly without my explicit consent. Furthermore, given that I was XXXX XXXX in school during the relevant period, my loan should have incurred a XXXX monthly payment. 

I engaged in a conversation with a representative from XXXX XXXX, who advised me to initiate a dispute in order to rectify this situation. I was assured that the late payments would be rectified and the account would be restored to good standing, rather than having 12 late payments inaccurately reflected on my credit history. I beseech that these unwarranted late payment entries be expeditiously expunged from my credit report. It's essential to underscore that my debt has since been consolidated and is no longer associated with XXXX XXXX 

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 an 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 2023-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: VYSTAR CREDIT UNION (FL)

On XX/XX/XXXX or XXXX, 2023, I was doing my " weekly checks '' on my credit cards and saw the erroneous charge against my credit card in the amount of {$4800.00} from XXXX XXXX in XXXX area. 

My card was in my drawer at home. I first called XXXXXXXX XXXX but to no avail. 

I then called my bank, ( one of MANY times ) through the course of my calls, I was put on hold, hung up on, given false names of the people I was talking to, and once I was even given a " made up '' claim number. 

Two days ago I did get to still another person that actually gave me " another '' claim number and told me that someone would be contacting me, but they could NOT send me an email concerning my interaction during this call. 

TWO days later, STILL NO call ( s ) and still NO notation on my online account that this amount was in dispute. 

PLEASE help me! It has been 10 to 11 days since I first reported this to my credit union, and still no respect to their account holder. 

Their motto is " We NEVER forget that it is YOUR money '' - Obviously, in this case, they have!
Consumer complaint received 2023-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (OH)

I have been calling EdFinancial, emailing EdFinancial, and trying to message, XXXX, request callbacks, etc. from EdFinancial for over a week without success. If they call back it is a dead line- as in there is no one on the other side. I need to talk to someone about my loan BEFORE it is due on XX/XX/XXXX. 
At this rate people are going to accrue interest on loans because they can't even talk to the loan holder, which is absolutely fiscally irresponsible of the loan holder.
Consumer complaint received 2022-11-16
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. (PA)

This is my other 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 alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion and XXXX continue to report inaccurate information that is causing me harm. 

Transunion is reporting late payments for XXXX and XXXX while XXXX is reporting late payments in XXXX and XXXX. 

This is not accurate and is causing me to be denied for credit which is my right granted to me. Reporting agencies are required to maintain 100 % accuracy. 

XXXX Account XXXX XXXX XXXX  Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I opened a Bank of America home equity line of credit in XXXX for the amount of {$12000.00}. I have been paying on this loan for almost 20 years, it still shows that I have a balance of almost {$4000.00}. Today, XX/XX/XXXX, I checked my credit report and looked under closed accounts and saw that the Bank of America account was closed in XXXX. However, I never received any notification or documentation of changes to my account. Last month, on XX/XX/XXXX, I logged onto my account to make a payment of {$100.00}. I tried to login today and I received a message saying they were unable to process my request because there are no eligible accounts associated with my ID, even though I did not change anything. So, it is clear that something has gone on with my account that I am not aware of, and I have been making payments for all these years. Also, the fact that I still owe this amount of money after close to 20 years of payment, is ridiculous!
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (NC)

To Whom It May Concern : I am writing to you today to request that you remove my transaction history from my consumer report. I believe that this information is being reported in violation of the following laws : Privacy Act of 1974 California Consumer Privacy Act ( CCPA ) Gramm-Leach-Bliley Act ( GLBA ) Fair Credit Reporting Act ( FCRA ) 15 USC 1681 16 CFR 433.1, 433.2 and 433.3 The Privacy Act of 1974 prohibits the federal government from disclosing any personally identifiable information about me without my consent. My transaction history is clearly personally identifiable information. It includes my name, address, phone number, and the dates and amounts of my purchases. 

The CCPA gives me the right to request that businesses delete my personal information. My transaction history is clearly my personal information. It is also information that I have not given my consent to be shared. 

The GLBA prohibits financial institutions from sharing nonpublic personal information with third parties without my consent. My transaction history is clearly nonpublic personal information. It is also information that I have not given my consent to be shared. 

The FCRA gives me the right to dispute inaccurate information on my credit report. My transaction history is not accurate. It includes purchases that I did not make. 

15 USC 1681 prohibits consumer reporting agencies from reporting information that is not accurate, timely, or relevant to a consumer 's creditworthiness. My transaction history is not accurate, timely, or relevant to my creditworthiness. 

16 CFR 433.1, 433.2 and 433.3 require consumer reporting agencies to follow specific procedures when investigating and responding to consumer complaints. I have already submitted a complaint to each of the three major credit bureaus, but I have not received a satisfactory response. 

I respectfully request that you remove my transaction history from my consumer report immediately. If you do not comply with my request, I will be forced to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your time and attention to this matter.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion and XXXX continue to report inaccurate information that is causing me harm. 

Transunion is reporting late payments for XXXX and XXXX while XXXX is reporting late payments in XXXX and XXXX. 

This is not accurate and is causing me to be denied for credit which is my right granted to me. Reporting agencies are required to maintain 100 % accuracy. 

XXXX  Account XXXX XXXX XXXX  Transunion XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 XX/XX/2020 XXXX
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MN)

My credit card is from Chase ( XXXX XXXX ). 

My minimum payment due for my statement XX/XX/XXXX - XX/XX/XXXX is {$200.00} with a due date of XX/XX/XXXX. I availed of the promotion for the following : ( XXXX ) Annual Percentage Rate ( APR ) 0.00 %, Expiration date XX/XX/XXXX, Amount is {$8400.00} ( XXXX ) Annual Percentage Rate ( APR ) 1.99 %, Expiration date XX/XX/XXXX, Amount is {$10000.00} On XX/XX/XXXX I paid {$7000.00} and on XX/XX/XXXX I paid {$1400.00} totaling to {$8400.00} with the intention to pay off my promotional balance expiring on XX/XX/XXXX. 

When I received my statement for XX/XX/XXXX - XX/XX/XXXX, they allocated my payment to promotion ( XXXX ) because it has a higher interest than promotion ( XXXX ). Because of this allocation promotion ( XXXX ) expired and they are now charging me interest of 21.24 % and the balance now is {$8400.00}. 

I called the company and relayed my frustration and I was told that is their guidelines in applying the payments. It is very disappointing to get a reply like this if they are concerned with their clients interests. I paid my dues on time making sure to avoid higher interest in my balance. My request is to allocate the payment I made in XXXX  to the balance expiring XX/XX/XXXX.
Consumer complaint received 2022-12-06
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. (MS)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-06
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. (MS)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-03
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance XXXX {$22000.00} ; XXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX : {$240.00} ; XXXX  XXXX Balance : {$9300.00} ; XXXX XXXX XXXX : {$8700.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I live in Illinois, which has a seven-year status limitation for reporting bad debt. I asked XXXX and Experian to remove the expired debt, and they refused. I also asked them to verify the debt was mine before it expired ; they didn't do that either. However, now the bad debt has expired, and it needs to be removed from my credit reports.
Consumer complaint received 2024-06-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: JPMORGAN CHASE & CO. (TX)

I had stayed behind on my mortgage and what I had applied for was a loan modification and they ended up giving me a subordinate deed of trust I didnt know what it was till I tried to get an equity loan to pay off some bills, and found out that HUD has XXXX liens on my property one of them which is a very high amount and I want to know how they came out with such a big amount! I called HUD and they told me I needed to get with Chase Mortgage to ask them how they came out with that amount and I i did. Spoke to XXXX she didnt know why and couldnt give me an answer so now I here not knowing what happened not being able to get an equity loan cause of those liens please help me
Consumer complaint received 2023-08-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Experian, XXXX XXXX XXXX continue to report the account XXXX XXXX XXXX acct # XXXX inaccurately and without my written permission. I have asked several times for the three to STOP reporting this inaccurate information. 

None of the information the three are reporting is accurate are matches up. They must present accurate information and have consent from I the consumer with whom it relates. 

1692 ( a ) - Consumer has a right to privacy.

1681 ( a ) ( 4 ) - Consumers right to privacy 1692e ( 2 ) ( A ) - false character, amount, or legal status of any debt. 

1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer. 

1681a ( 2 ) ( A ) ( i ) - Reported information can not be only transactions and experiences between the consumer and a company.
Consumer complaint received 2023-08-12
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)

I Reviewed my credit report and noticed Inquiries that I did not authorized or give permission. 
1. Experian- XXXX XX/XX/2023 XXXX. XXXX  XXXX XXXX XX/XX/2023 Please remove them from my credit report as soon as possible. Thanks
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my ( Bank statement, ID ) for your verification. 
Best Regards, XXXX XXXX XXXX
Consumer complaint received 2018-12-12
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. (GA)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX