davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
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. (NJ)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a resbonsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/24 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

On XX/XX/XXXX I was robbed and became a victim of fraud and lost XXXX dollars. I submitted the fraud claims as soon as I found out. I also obtained a police report and submitted that. After several hours of sitting on hold with BOA XXXX department and getting nothing accomplished I began reaching out to supervisors, still BOA continued to give me illegitimate reasons why I was unable to be reimbursed. The transactions made were all from establishments with cameras that can easily be viewed and identify that it was not me making the transactions, so I'm unsure of what kind of investigation was done. BOA told me that because " it was highly unlikely that someone would be able to guess my PIN '' I thought that was supposed to be there security feature to protect me! They also told me that I was " receiving notices on my phone of fraud '' that to this day I do not have. Another excuse they tried was that " I didn't try to empty my account '' which I did. After filling a complaint with CFPB BOA resolutions department reached out and did was able to expedite the process and get some things resolved. I have a XXXX XXXX of every letter I received from BOA and every person I have talked to. I received a letter on XX/XX/XXXX stating that a claim for XXXX dollars has been resolved and that the account has a permanent credit. Yesterday I received a letter dated XX/XX/XXXX stating that the same claim was not approved. I think that BOA is coming up with excuses to try to steal my money. I have flooded there media with complaints and am getting exhausted with this process and just want to part ways with this bank but they wont take the restrictions off the account so I can close it. I am a career firefighter and integrity is a trait we need to hold, I feel as if BOA is questioning my integrity and trying to steal my money! I need help!
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Timely payments have always been a priority for me regarding this account, ensuring that they are never overdue. I'm perplexed by the presence of late payment remarks on my accounts. It's important to note the provisions of 15 USC 1666b - Billing Error, which necessitate corrections when errors occur.
Consumer complaint received 2022-10-03
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-16
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. (NJ)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



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 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (TN)

Affirm is reporting to XX/XX/XXXX as of XX/XX/XXXX that my account is 60 days past due in the amount of {$150.00}. This account is paid in full with a XXXX balance. I have emails showing I have no active account with them and that all my accounts are paid in full. I received an email from XXXX today XX/XX/XXXX that as of today affirm is showing an amount of {$150.00} which is incorrect.
Consumer complaint received 2020-08-03
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$4100.00} XXXX  XXXX {$3000.00} XXXX  XXXX {$5400.00} XXXX  XXXX {$3700.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX  XXXX {$3000.00} XXXX-XXXX  XXXX  XXXX {$13000.00} XXXX XXXX {$130.00} XXXX  XXXX {$9300.00} XXXX  XXXX  XXXX {$250.00} XXXX XXXX {$850.00} XXXX XXXX XXXX {$830.00}
Consumer complaint received 2023-01-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (NC)

I opened the US Bank checking account in XX/XX/XXXX with promo code XXXX. 
The checking account mentions if you have direct deposit of {$6000.00} or more, i will be given {$500.00} checking bonus. I did all the requirements but still i didnt get the bonus. Its been more than 60 business days.
Consumer complaint received 2023-05-25
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX A Account # XXXX, has violated my rights. 

15 U.S.C 1618 section 602 A. States I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (AL)

Dear Madam or Sir, I submitted a dispute, then found out it was legitimate. So I notified them to cancel it. Just because I submitted a dispute, they restricted my account where my XXXX XXXX  get direct deposited into. 
They literally have me to where I XXXX XXXX XXXX XXXX XXXX XXXX That's against the federal law XXXX told me. They referred me to you all. 
I asked if my autopays and outstanding checks could still go through, and they said no. I have over XXXX in my accounts, but they say it can take days to take the restriction off. 
I have never in my life had a restriction because I made a dispute. Worst of all, all checks and autopays will be rejected, and both banks will charge me NSF fees. Axos for XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX will charge me fees as well, because I wrote checks off axos to put money into the XXXX XXXX XXXX XXXXPlease help me? 

With Utmost Respect, XXXX XXXX XXXX
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (GA)

This complaint is against Experian ID XXXX XXXX XXXX XXXX and their Supervisors. And it is also against XXXX XXXX along with XXXX XXXXn Supervisor, whose name is XXXX ( and how ironic that XXXX XXXX is a Customer Care Supervisor )!!!! 
My Personal Information was placed online for everyone to see, due to a Data Breach by XXXX XXXX XXXX XXXX. Since the XXXX week in XXXX 2022, I have been experiencing Identity Theft due to this Data Breach. My Email account was hacked, my Bank account was hacked. Fraudulent Credit Accounts opened in my name, and almost XXXX fraudulent Credit Inquiries on my Credit Files due to Fraudulent Credit attempts by the Identity Thief or Thieves. XXXX XXXX contracted with Experian / XXXX XXXX XXXX to help with my Restoration and Recovery Services. I was under the assumption that this Restoration Service would do the work in my Financial Recovery and Restoration. First of all, I am trained in XXXX and XXXX  I have NO training in Fraudulent Financial Recovery and Restoration -- other than what I have been forced to learn since XXXX 2022. Yet, other than placing a Credit Freeze and Fraud Alert ( which is rather simple ), I have been forced to learn the Restoration and Recovery methods in order to have them in place, and I have been forced to do about XXXX XXXX of the services myself, which Experian and XXXX was contracted to do. Something doesn't seem quite right about this situation and Set-Up!! 
Experian and XXXX XXXX XXXX have recovered ( XXXX ) dollars of my money back. I lost several thousands of dollars when my XXXX  and XXXX XXXX was hacked and drained. 
I had a Fraud Restoration Specialist that was assigned to my Case, yet I was having to do about 95 % of the work in an area which I have no training in. Therefore I requested a XXXX XXXX Supervisor. Supervisor XXXX then stepped into my case. Bad choice, as my Case went from having a little work completed by my Restoration Specialist, to having no further work on my Case. It changed from having to do XXXX XXXX  of the work myself, to having to do 100 % of the work myself. I then requested a higher level Supervisor with XXXX and XXXX, thus far they have refused to give me any additional Supervisor contact info. 
XXXX XXXX Supervisor XXXX stated to me that there was nothing further that Experian / XXXX could do until I did something. The something that she requires me to do is wrong and against policy and rules!!! And this is not to say that I have never done this before, but at the same time, I do not feel comfortable in doing this. Once again, their Customer 's Data Breach is what got me into this mess, and drained my Retirement Savings -- - then contracted with this Company for my Recovery and Restoration Services, and after several months, as the record will validate, I have recovered none of my thousands of dollars of my Retirement Savings.
Consumer complaint received 2023-01-16
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-16
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX is reporting addresses I never lived at and are tied to questionable accounts. My address is stated on my government-issued ID. Information other than my personal accurate information is being used to " validate '' these accounts, a violation of my rights. 

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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to have things removed from credit bureaus all 3. XXXX has me locked out now online, I try calling, security info doesn't match and can not get a person on the phone. Few minor debts I will list that I'd like removed from all bureaus, and have contact debtor and no help. XXXX {$120.00} I never lived in XXXX around the time this bank account was opened I had lost my wallet with i.d and social security card in it. I contacted this bank, they said it has been charged off, but I'd like it removed, as it was not mine, It is affecting me being able to get any type of credit card or loan, so I offered to even just pay it and they refused, there fore there are denying me to pay it off, and to remove as charge off as fraudulent account. Next XXXX XXXX XXXX  also known as XXXX XXXX  I paid that off XXXX weeks ago, I did not realize I had that delinquent account, forgot about but it's paid so I need that removed. XXXX says I had credit line with them, I've never been approved for such, and it's listed on one of 3 bureaus as past due, but XXXX balance so I'd like that remove, they are also listed under inquiry. Like that removed since this again was probably somebody using my name. Then multiple address listed on my credit. My address is XXXXXXXX XXXX  XXXX XXXX XXXX. XXXX FL XXXX, that is address on my Florida XXXX so all other address pls have removed from all three credit bureaus. Then employer is XXXX. All other jobs listed are over ten years ago, so I'd like all employers besides XXXX removed. XXXX XXXX XXXX has multiple past due account small bills, like {$7.00}, {$31.00}, $ XXXX never lived in XXXX XXXX where they r saying that bill occured, contacted them no help. Informed them that if this was my account I have had full coverage XXXX  since XXXXso I sent the bill to my insurance, they said this is not my bill. Please remove all these things. I can't get threw to XXXX, XXXX I filed disputes online, TransUnion saying XXXX  is mine but it's not. And I'm just so upset that from little things more credit is so low and I spent hours trying to correct with 3 main bureaus and only few things updated, but main thing is XXXX and the XXXX XXXX XXXX XXXX which I paid off you can verify calling XXXX and they direct you to XXXX XXXX  which was collection agencys d confirm please that I paid, 3 bureaus telling me upload it online yet XXXX of them have my online acct frozen for answer security question wrong, and I tried calling to unfreeze and can't get a person in the phone. I'm literally losing my mind about these people not helping me, acting u professional, and talking to me like XXXX over some small debts like I'm a XXXX, it's not right
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I asked this Experian company to remove all the various false names from my credit account. They said I need to mail copies of identification and letter of residence from utility co. I sent copies of California drivers license with federal approval star, copy of passport, letter of residence from XXXX XXXX XXXX. I mailed certified mail. They still did not honor my request. I am extremely concerned that if I were to unfreeze my accounts anyone who uses any of these other names can do fraud. I have no idea where these incorrect names came from and some of them dont even make any sense they have jumbled letters attached to the end of my name. Wrong middle initials, and dropped letters etc. I can not unfreeze my accounts until this is done.
Consumer complaint received 2023-01-26
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

on last Sunday XX/XX/XXXX on the present i made a paypal account and use it for transaction on the next day and my buyer sent me the payment but unfortunately i cant withdraw nor convert the fund because the paypal says that my account us permanently limited which is so sad because the fund there is being stuck or hold i have no idea how can i get my fund. hoping you can help me with this
Consumer complaint received 2023-01-16
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. (NY)

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

XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Experian is reporting addresses I never lived at and are tied to questionable accounts. My address is stated on my government-issued ID. Information other than my personal accurate information is being used to " validate '' these accounts, a violation of my rights.

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 or 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 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern : I reached out to the following companies and submitted documentation of the following : Paid in full- XXXX XXXX   Account is requested to be removed Based on companys request. ( XXXX XXXX/XXXX XXXX ) Balance/account paid- XXXX XXXX -XXXX XXXX/XXXX  account fraudulent account.

I reached out to XXXX, Transunion and XXXX  and supplied appropriate and supporting documentation. Letters from each company requesting items to be removed and items paid. To date, they keep saying account verified. How can this be verified when the I have letters showing account paid.
Consumer complaint received 2020-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NC)

I spoke with XXXX XXXX on XX/XX/XXXX and was offered a settlement amount of {$330.00} which would settle the account. I paid the {$330.00} on that day. A few weeks ago I received a letter from Midland Credit Management stating that there was a balance of {$240.00} being reported by XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX asking about this. I was initially told that there was no record of the account being settled nor no record of a payment made for {$330.00}. After me being persistant they finally stated that they did see the payment of {$330.00} made on XX/XX/XXXX but that they didn't see where it was noted that it was a settlement. The final rep that I spoke to on that day stated that although what I said made sense that the phone call would have to be pulled in order confirm what was discussed and in order for that to happen I would have to request in writing, to XXXX XXXX, that I would like this call reviewed in order to confirm what was said on that call. I mailed the correspondence that was requested. I was advised today that I would have to have a subpoena to have the called pulled in order to confirm what was told to me. I was also told that I would now have to contact Midland Funding to dispute this info. I am not asking for any phone records for myself. I am only asking that they do what they said they would do internally and pull the call internally to confirm that the account payment was in fact offered as a settlement. I am not asking for them to provide the record to me so I don't understand why a subpoena would be needed.
Consumer complaint received 2020-03-16
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. (AR)

I was trying to purchase my first home and I decided to go through a first time home owners program because I needed help with the process. They pulled my credit to see were I was standing with my score. As they reviewed my report they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.