davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
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. (PA)

A loan was taken out through XXXX XXXX fraudulently. I reported to XXXX XXXX immediately after receiving a letter saying my account was approved and my address was changed and to call if it wasn't me. Which I did. I explained I had not applied for or requested.The XXXX and experian accounts said they investigated and found the information accurate and updated. I have not taken out this loan this was identity theft using my information having goods sent to another address.I haven frozen all the crediting agencies and reported this as fraud to them and the fct and I would like this investigated.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (MO)

I have sent numerous requests and provided information that proves we did not benefit from the fraudulent charges on our Chase credit card. I emailed more backup on XX/XX/24 after receiving a call back from my first CFPB complaint and have called repeatedly all to no avail. I faxed more information today XX/XX/24. We have been trying to get this resolved since XX/XX/24 and have had the charges taken off and then put back on twice. Our statement is due today and we do not want to be charged interest if we refuse to pay this onerous, fraudulent charge.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My debit card was locked I tried to make a purchase they sent an alert I replied and now my account is under review its been since XXXX XXXX and they keep changing the days and its been over both dates and now they are saying its being escalated and its over that date they have giving me no paperwork to say my account is under review and I cant access my funds to pay my rent thats how it got locked and then they told me they dont have any paper trail as far as me having something for show to why I cant access my account and if I close it I still wont have my funds until their done
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (MS)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX Balance : {$690.00} ; XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$350.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

on XXXX new Bank of America credit card was opened in my name and the confirmation was sent to my wife 's email address ( XXXX ) not mine. My email is XXXX. My wife dose have a Bank of America credit card in her name. They did a hard inquire of my credit and it showed up on my credit report. 
I called Bank of America to cancel the card and my credit report ( XXXX ) to have the hard inquiry removed. I don't know if anything else has been compromised. Below is the email that we received. 


From : Bank of America XXXX Date : XX/XX/2023 at XXXX AM EST To : XXXX Subject : Notice : Your Credit Card Has Been Approved Reply-To : Customer Service XXXX Bank of America Your credit card application has been approved XXXX XXXX, We're happy to XXXXet you know that you've been approved for the BankAmericard credit card. In the next 7-10 business days, you'll receive your new credit card in the mail, along with important information about your account, including your Credit Card Agreement, account benefits and details, and information on how to manage your PIN.

Please review and save this information. To activate your card, follow the instructions that come with your new card.

Important note : If you requested a balance transfer with your credit card application, please continue to pay your other lender ( s ) until you receive confirmation on your first statement that the transfer has been approved and completed to avoid late fees or delinquency. 

We'll never ask for your personal information such as SSN or ATM PIN in email messages. If you get an email that looks suspicious or you are not the intended recipient of this email, don't click on any links. Instead, forward to XXXX then delete it. 
Please don't reply to this automatically generated service email. 
Privacy Notice Equal Housing Lender Bank of America , N.A . Member FDIC 2023 Bank of America Corporation
Consumer complaint received 2023-02-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 EXPERIAN HAS BLATANTLY NOT INITIATED AN INVESTIGATION AND HAS NOT SENT ME ANY CORRESPONDENCE THUS VIOLATING MY CONSUMER RIGHTS
Consumer complaint received 2019-09-20
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (SC)

On XX/XX/XXXX I was suppose to receive my ssi check. I did not. I called social security and direct express. It's now 19 days later and I still have not receive my money. Direct had the wrong address and phone number in the system and I have been calling every 3 to 5 days. Lately I have been calling everyday. For some reason they keep sending my money back. I have missed several doctors appointments and can not pay my bills and eat.
Consumer complaint received 2023-02-16
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. (WA)

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 USC1618 Account name XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX XXXXXXXX # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXXAccount name # 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 602 A : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crime which antedates the report by more then seven year.

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 2023-02-12
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: Experian Information Solutions Inc. (HI)

I am a victim of identity theft. XXXX, XXXX and XXXX XXXXXXXX XXXX and XXXX have fraudulent accounts on my profile that need to be removed immediately.
Consumer complaint received 2021-03-11
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)

XXXX ; Experian and XXXX should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2024-01-19
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. (FL)

I sent a letter to all 3 major bureaus demanding that they remove any, and all late payments on my credit report. All 3 agencies received their separate letter on or before XX/XX/XXXX XXXX days from today. I checked my most recent credit report, and the payments still have not been removed. Per 15 US 1618b - Permissible Purpose of Consumer Report. The law states that ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2024-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP (TX)

Hello, I am filing this complaint to dispute the debt notice I received from Rausch Sturm, LLP regarding the creditor XXXX XXXX. I was notified recently that I owed XXXX XXXX money for a debt that I was told in XX/XX/2023 that was credited in full. I am requesting that Rausch Sturm stop any collection attempts and proceed to speak with their creditor. I am not responsible for any debt associated with XXXX Bank regarding my XXXX XXXX  card that the balance was to be updated and credited for. Per XXXX Bank customer care the debt was to be settled in XX/XX/2023 reflecting a {$0.00} balance on the account. 


Thank you, XXXX XXXX
Consumer complaint received 2023-02-16
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. (TX)

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : NAVIENT Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2019-09-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I applied for a Conventional Mortgage Loan with Bank of America, N.A. via XXXX ( ID XXXX ) on XX/XX/2019. Since that date, BOA has been extremely negligent in the processing of my application, which has resulted in me being under contract with a seller on a property for over three months. This negligence began with errors on the interest rate included on my initial application, which resulted in me having to complete multiple revisions to my application, ultimately delaying the process and causing me to request multiple extensions on the contract with the seller. 
Most recently, BOA was negligent in completing the appraisal of the property as ordered. My file cleared Rehab Escrow on XX/XX/2019, and a Subject To appraisal was ordered on XX/XX/2019. On XX/XX/2019, BOA uploaded an incorrect Subject To appraisal to my file which did not include the scope of work provided by XXXX between XX/XX/2019 and XX/XX/2019. Upon receiving the incorrect appraisal, the matter was escalated with BOA on XX/XX/2019. Since then, there have been repeated requests for updates ; however, no updates have been provided, no notes have been added to my file, and the corrected appraisal has not been completed and/or uploaded to my file. This has caused me to incur thousands of dollars in fees from the seller, as well as thousands of dollars in legal fees. BOA has also repeatedly accessed my credit report, as a condition of ordering the appraisals, which has negatively impacted my credit report and score. These repeated credit inquiries also caused BOA to report conditions on my loan application, which required me to submit to them a letter of explanation stating that there were repeated pulls, despite the pulls being initiated by them, again delaying the entire process. 
I have made multiple attempts to contact BOA to resolve this ordeal, to no avail. No one that I have spoken to at BOA was able to access and/or review my file. This whole process has been extremely unprofessional and unacceptable. It leads me to question how BOA is able to run a business and/or allowed to provide mortgages to XXXX consumers when they have failed me at so many steps through this process.
Consumer complaint received 2021-07-26
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. (CA)

Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681i -procedure in case of disputed accuracy paragraph 2a prompt notice of dispute to furnish of information paragraph 5a treatment of inaccurate or unverifiable information 15 usc 1681s-2 responsibilities of furnishers of information to consumer reporting agencies paragraph 8e Duty of person after receiving notice of dispute 15 usc 1681b permissible purposes of consumer reports paragraph 2 in accordance with the written instructions of the consumer to whom it relates 15 usc 1681 Congressional findings and statement of purpose paragraph 4 there is a need that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect to consumers right to privacy.
Consumer complaint received 2020-06-10
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. (GA)

There are several accounts and personal information reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) The following accounts status is reporting inaccurate. I was never late on the following accounts : XXXX XXXX - Open XXXX Bal. {$130.00} ( I was never 30 days late XXXX XXXX - Opened XXXX Bal. {$22000.00} ( I was never 120 days late ) XXXX  - OpenedXX/XX/XXXXXX/XX/XXXX Bal. {$4700.00} ( I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$8000.00} ( I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$1800.00} XXXX I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$2600.00} XXXX I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$6000.00} XXXX I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$8300.00} XXXX I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$6000.00} XXXX I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$8600.00} XXXX I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$23000.00} ( I was never 120 days late ) The following accounts is a result of identity theft : UNKNOWN - Opened XXXX ( XXXX  XXXX UNKNOWN - Opened XXXX ( XXXX  XXXX
Consumer complaint received 2023-02-16
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. (DC)

On or around XX/XX/2023 account history for my XXXX XXXX credit card account was reported to have changed on my Experian Credit Report. Upon review, I saw that all of the account history for the XXXX XXXX account was deleted, the account status changed to " XXXX XXXX '', and the account was being reported as " in dispute by the subscriber ''. The account status should indicate the account is in good standing. I contacted XXXX XXXX, they indicated they have never reported any accounts in my name as being in dispute. Because they did not report this dispute, they are not able to make any corrections related to the inaccurate reporting because they have no record of any dispute ever being reported. I contacted Experian thereafter who claimed that XXXX XXXX did report the dispute and that they could not update the account history unless they received communications from XXXX XXXX. This account was opened specifically for credit rebuilding ; removing the payment history resulted in decrease in my FICO credit score. The attached documents show that as of XXXX 2023 timely payments have been made and the account is in good standing, to report otherwise is inaccurate and is a violation under the FCRA.
Consumer complaint received 2019-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Include that their customer service would not help and take care of the negative inquiries reporting to your credit report! 

Inquiry details XXXX Inquiry from XX/XX/XXXX Utilities & Fuel Credit Tech Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Real Estate/Public Accommodations XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX from XX/XX/XXXX Credit Union XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc.
Consumer complaint received 2021-07-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Merchants' Credit Guide Company (IL)

I am resending my correspondence dated XX/XX/2021 since this company continues to call and leave voicemails even after sending a cease and desist. Attached please find debt validation request, cease and desist and invoice.