davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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. (SC)

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft.
Consumer complaint received 2022-04-22
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. (GA)

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

15 U.S.C 1681 section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.al inalienable rights reserved.
Consumer complaint received 2024-03-14
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 161 section 602 A. States I have the rights 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 instructions.
Consumer complaint received 2023-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CBM Services, Inc. (MI)

IMPORTANT MESSAGE ATTN : CBM SERVICES ( CEO ) ( COLLECTION DEPARTMENT ) What I want to discuss here today is that I never gave you consent to share my information. None of the business I have here with you is public it is all private. And I did not give you consent to publicize it. It also states that are required to tell me that and you didnt. The fact that you are using my identifying and financial information and sharing it that is identity theft. Also, I have the right to full disclosure 15 USC 6802 Obligations with respect to disclosure. According to the Fair Debt Collection Practice Act your company did none f the following -speak with me in person about alleged debt -speak with me by telephone about alleged debt -Mail letter within 14 days -Send me any electronic communications within 14 days NO VALIDATION OF NOTICE ABOUT ALLEGED DEBT! 
YOU ARE IN VIOLATION! 

NO AUTHORITY AND NO CONSENT. DELETE THIS INFORMATION NOW. I HAVE THE RIGHT TO PRIVACY.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NJ)

Someone is putting their shipping address for purposes of using my store credit card for their own purposes. They are shopping on my credit card. I continue to delete their address and I got back the following day and check my account again and they put their address in their again. I contacted my store credit card companies and they reissued me a different credit card. However, they continue to do this. I don't have any resolve and I don't want to totally cancelling these store credit cards. With XXXX, XXXX, XXXX, XXXX XXXXXXXX Children 's Place and Victoria Secret Credit Cards. 

With Victoria Secret they changed my billing address to their own.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NETWORK FUNDING, L.P. (TX)

I would like to note, that I had pre-approvals through two additional companies. However Network Funding was willing to match the received offers, and my agent recommended. Moving forward, I was quoted two different interests rates not knowing neither were locked in. Also I had to repeatedly forward my personal documentation even after my supposed closing date. 
I was contacted by the title company, on my closing date. My settlement statement had been received and I was aware of my closing cost. I had my cashier 's check in hand, only to find out that my file was still in underwriting. I had to find out through the tite company, not my OWN loan officer. 
I had made several phone calls trying to understand the mishaps. Only to be forwarded to voicemail or to have emails requesting more documentation. I have forwarded the same documents more than once. As well as paying out of pocket for my homeowners insurance, per Network Funding request. I am at a loss, because I still can not get any answers as to how my file made it to title. Even with my settlement statement and I could not close.My deal falls through and I loose my earnest money.
Consumer complaint received 2023-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CT)

My name is XXXX XXXX I am a PayPal customer with email address XXXX PayPal limited my account and asked for ID, bank statement and proof of address which I submitted with case Reference ID : XXXX But they have not reinstated my account. 

I need this to be resolved
Consumer complaint received 2023-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WI)

I transferred {$2500.00} to my Paypal account on XX/XX/07. On the same day, I attempted to transfer it. PayPal instantly put the transfer on hold and asked for my picture and driver 's license number and myself. After waiting 24 hours to the minute the transfer was then denied. I attempted to transfer out again and all funds were placed on hold and they won't give me access to any of the money in my Paypal account.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I

am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMO Bank, N.A. (IL)

Ive submitted a complaint already- the complaint number is XXXX you all advised a monetary value and did not address their false reporting or incorrect fees. The bank never added the monetary value nor did they remove the fees. The bank has provided falsified information and incorrect reporting. I want this account removed from my business reporting immediately and I want this escalated!
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (KY)

I've received my credit reports but since XX/XX/XXXX, my score has dropped a point or so on every other report. I spoke to Experian today, XX/XX/XXXX and in reading the report, they said that they could see no reason why the score keeps dropping and referred me to FICO. I spoke to FICO today, XX/XX/XXXX, and they asked the usual questions, whether I had closed an account, etc. and when I replied in the negative, they referred me to Experian, because they say that they only supply the data. I spoke to XXXX, to confirm that there has been no fraudulent activity on my account and they said that there has been no such activity. 

I've maintained the same bank accounts with XXXX for over 38 years ( XXXX with XXXX XXXX, the precursor ) and have paid my credit card monthly and in full on time. 

Who can explain this? I don't know who else to contact. 

Thank you for any assistance that you can provide.
Consumer complaint received 2024-02-19
Product: Credit reporting 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.

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 2023-02-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

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 XXXX Account Number : XXXX XX/XX/2019 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 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

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
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX # XXXX, # XXXX, and # XXXX are reporting accounts with balances to my credit report that should no longer be on there. I have settled all these accounts and they should not still be reporting collections with a balance. This is in violation and I want these removed off my credit.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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, AEPT OF ED/XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

In the last 2 years Experian has consistently blocked my credit report and scores. 
Experian has made it impossible to call and make an inquiry into why they are not reporting my credit report and scores. 

When I try to use my credit most lenders pull from Experian here in the Texas area, and I have been told repeatedly by lenders that Experian does not show a credit file for me. 

I have sent certified mail with tracking to show proof of my identity and home address. 

Note : I have NEVER request a freeze or any alerts on my credit file either. 

Please help!!!
Consumer complaint received 2019-11-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

Applied for a refi loan on XX/XX/XXXX with XXXX XXXX. He provided me with an estimate and asked for a {$500.00} good faith deposit via email that I gave him using my XXXX XXXX credit card. I was " conditionally '' approved on XX/XX/XXXX and processing was transferred to XXXX XXXX who asked me to pay my XXXX real estate taxes prior to the estimated closing date of XX/XX/XXXX. The XXXX County Tax Office replied to me via email that such info would not be available until XXXX XXXX. I asked Mr. XXXX if he there was another option and he said that he did not know. That was the last time that I heard from Amerisave until XXXX XXXX at which time Mr.XXXX emailed me saying that my file had been closed due to incompleteness. I placed a dispute with XXXX XXXX and they credited the {$500.00} back to my account and gave Amerisave until XXXX XXXX to reply, which they did not do until XXXX XXXX asking for an extension " to reply '' until XXXX XXXX. I am a XXXX  years very old and infirm retired person who was trying to lower his monthly payment but was bamboozled by this Company, I need the money to pay my bills, I live on Social Security and a small annuity payment of {$250.00} every month This company has been very heavily fined by that Bureau for their shady/ilegal practices. 
Please help me. Thank you.
Consumer complaint received 2024-03-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Hello, I transferred money via XXXX XXXX. 

I live in XXXX and received XXXX XXXX  brought it to XXXX XXXX and they sent the money to Bank of America via a routing and an account number on XX/XX/XXXX. 

I am the owner of the account it was sent to. 

I was sending the money to myself. To an account I have with Bank of America. 

I went home and normally the amount deposits easily into my bank but this time it didnt. 

Ive done this 3 times at least. 

I double checked my receipt with the XXXX number and it was all good but when I looked at the account number one number was off. 

I called the XXXX XXXX it was sent to and they verified the funds were already sent and began waiting for a refund. 

Ive called Bank of America, specifically the location it was sent to in XXXX XXXX, and over the phone she said We dont work with XXXX XXXX XXXX called a few other Bank of America numbers and they werent able to help. I asked one banker about looking up the wrong account number and it was that he let me know there wasnt a person with that account number. 

I spoke on the phone with 5 or 6 different people from XXXX XXXX. 
Its XX/XX/XXXX, I still havent received anything. 

When I emailed XXXX XXXX they immediately emailed me back and said they no longer do emails. 

All I have is the printed receipt. And a lot of failed phone calls. 

In addition to this incident, which is still ongoing I want to make a complaint about the Bank of America Application. 

They have left 2 open accounts for retirement/benefits open in the app that have no money in them. 

One is with XXXX who I worked for for 1-2 years And the other is with XXXX who I worked for in XXXX  The app has kept those accounts open with no money in them for no reason and Ive tried telling a banker this over the phone and they simply said thats Just the app. 

And that was where the conversation ended and I still have those accounts just sitting in the app. 



Thank you XXXX
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Chase has exceeded the dispute timeframe for fraudulent activity. 

Check # XXXX for a total of {$55000.00} was fraudulently deposited into a XXXX XXXX ATM. XXXX XXXX held the check and placed a stop payment on it. I opened claim # XXXX on XX/XX/22. I have made numerous attempts to resolve this with Chase. I have filed XXXX  claims with XXXX Bank, and they informed me they sent payment on XX/XX/22. Chase confirmed that the address provided was indeed to the fraud claims department, but they did not receive payment. Chase also claims they have had no response from XXXX XXXX  despite XXXX XXXX  documenting Chase provided information to them to process return payment and XXXX XXXX  has been very responsive in correspondence with me. Chase owes me {$55000.00} after releasing the funds to XXXX XXXX when the check never cleared.
Consumer complaint received 2023-03-07
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. (AZ)

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. 

I went to apply for a family vehicle and the dealership at XXXX XXXX stated that I had over 22 hard inquires on my credit report and was unable to approve me for a car loan. 
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 XXXX XXXX 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.