davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
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. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank America ; XXXX XXXX XXXX, XXXX, FL XXXX : closed my checking account Closed for cause ; suspected fraud activity. Closed date : XX/XX/2022 I deposited XXXX checks each XXXX {$1000.00} the total is {$5000.00} from western XXXX XXXX XXXX XXXX XXXX XXXX on date XXXX. Bank America frozen the funds while they review the transactions and validate the source of funds. I provide the sources of funds to them. And they dont answers to me. And they reported to early warning so, I cant open another checking account in another bank.
Consumer complaint received 2022-11-07
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. (MA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX COLLECTION ( Original Creditor : COLLECTION ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2022-11-14
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Balance : {$48000.00} ; XXXX XXXX XXXX : {$9200.00} ; XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$21000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (LA)

Navy Federal has illegally frozen my account, I have been discriminated against, I have been racially profiled by branch representatives and mistreated by members of the security team. My funds have been held for weeks now without explanation to why and No one has come to any sort of resolution, nor have I been notified when I will have access to my funds again. I've included copies of proof from the originators of a large portion of the funds. The funds have been verified by Navy Federal and They're still holding my funds as well as others. See attached documentation for details.
Consumer complaint received 2023-01-13
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. (GA)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 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
Consumer complaint received 2023-01-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, XXXX, I was called by an agent from Chase Bank identifying himself as XXXX XXXX on the Customer Service Line ( XXXX ) XXXX. He said there Was fraudulent activity in my account. I had just gotten gas ( debit ) and {$60.00} in cash from a ATM at XXXX XXXX. Thats where I assumed the fraud had occurred. After quite a long time on the phone, he seemed able to correct and stop the transactions. This included a purchase and a wire transfer. No personal info was shared with him. 

He called the next day on the customer service line with yet another fraud wire transfer and once again supposedly fixed it. This occurred twice more - XX/XX/XXXX and XX/XX/XXXX - Wire transfers that had been scheduled he said. My account seemed fine and no money had been lost. I did no followup. He said I would receiving a new debit card which Never came. On Tuesday, XX/XX/XXXX, he called again and explained that another scheduled transfer had popped up on the system. After working on the - lots Of one-time codes were sent. Everything on the XXXX phone number. He then explained that the bank wanted me to have a new account due to all the fraud Activity and move my money in three chunks. He have me my new account number # XXXX and routing number # XXXX. The first transfer was {$7500.00}. He Then explained that they were closing at XXXX and we scheduled an additional meeting for Wednesday morning at XXXX XXXX He called on the customer service line and we Went to work. Before the third transfer was finished, he said someone would be calling to do some final verification steps- weird questions. I called the customer service Line to check all of this and agent XXXX assured me that I had done the right thing by calling. When she asked when I last spoke with him, I said Ten minutes ago to Which she relied, Yes I see it right here on the record and congratulated me for calling in. I then got the call with the weird questions and we seemed done. And obviously We WERE. I saw my account drop from {>= $1,000,000} to XXXX Immediiatly, I called Chase and went to the nearest Branch in XXXX, NJ where XXXX met with the bank manager, XXXX XXXX XXXX She set up recalls and gave me all info. She was very helpful and supportive as I struggled to not totally fall apart and come to grips with the crisis. This Wiped out everything I had saved and worked for the last five years and has left me struggling to meet medical bills and living expenses. I filed a police report with the State Police In XXXX XXXX, PA on Thursday morning with XXXX XXXX XXXX. I went to my own NY branch on Friday ( XX/XX/XXXX ) and tried to file another police report with the XXXX Police. 

Further attempts with Chase at this point have been fruitless. I am a 40 year customer with Chase and demand attention. Elder fraud is a crime! I have been violated in a devastating way. 

I am hurt and Very, Very ANGRY!
Consumer complaint received 2022-11-14
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. (CA)

The incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. Their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-11-14
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. (NC)

I called the 3 credit Bureaus after I purchased a credit report in XXXX After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report hich are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-14
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. (MD)

My name 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 XXXX XXXX Code XXXX 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 2022-11-14
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. (MD)

My name 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 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Applied for BofA card that said it would come with a {$100.00} statement credit with purchase of a flight. I got the flight- {$180.00}. At no point was it made clear to me during the application that it would cost a {$59.00} membership fee, it really only asked the basic questions about myself, ran a credit check, approved and used that day. I called in to pay it off when the statement came still saying XXXX nothing about a fee. Call in to pay it off, find out about the fee. You guys have been extremely deceptive to me before, its why I didnt use you for years and years. He said it was in the TOS which I didnt even get till after use. I wouldnt have used it for a measly {$41.00} statement credit since you always weasel stuff in. I want my my {$150.00} back as advertised
Consumer complaint received 2020-09-29
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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. 

has violated my rights. Or a 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 2023-05-15
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. (FL)

My name is 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 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (MI)

I currently have a mortgage with XXXX XXXX. I contacted them directly to refinance my mortgage. I did not XXXX or use any social media to search for information. As soon as XXXX XXXX pulled my credit report, my husband and I both started receiving phone calls and text messages from random mortgage services/companies. Now XXXX XXXX wouldn't sell our info to other other mortgage companies because that would be their competition. The only thing I can assume is that Equifax, XXXX and XXXX are allowing other entities to monitor my credit report and once someone pulls it, they're notified and know exactly what type of financing. I'm sure the 3 credit reporting agencies are also making money off of my private information. HOW IS THIS LEGAL??? My husband receives 10 plus phone calls every day since our credit report was pulled by XXXX XXXX. He receives the same amount of text messages. All from random companies and numbers. As soon as he blocks one number, they call with another number. I also am receiving calls and texts on my phone. It's a violation of our privacy and this practice needs to STOP!
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for referenced issues from above.
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX {$5700.00} / XX/XX/2021
Consumer complaint received 2023-03-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (TX)

I have receiving a hospital bills from the same place but different amount and different collection agency now i received a bill for XXXX i told them i didnt go to the hospital the year and time frame they had on my credit report and i never received a bill because i never went.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

Dear Experian, I am requesting that you provide information on how XXXX XXXX XXXX XXXX ( XXXX ) has been verified on my credit report within the next 15 calendar days. If the information is unavailable, please remove the account immediately.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Trans Union has FAILED to conduct a reasonable investigation in XXXX  days. 

Trans Union is in clear violation of FCRA 611. 

I submitted my dispute via CFPB # XXXX on XX/XX/year> and Trans Union acknowledged receipt on XX/XX/year>. 
I received theresults on XX/XX/year> which is XXXX Days and this means all the accounts listed below should be DELETED immediately. 

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

I would like to forego seeking legal representation and taking Trans Union to court but I will if I am forced to. 

Delete the accounts in accordance with the law that states you must delete if you fail to conduct a reasonable investigation in XXXX  days and notify a consumer within XXXX more days ( XXXX ). 

Unfortunately, Trans Union took XXXX  days which is a CLEAR VIOLATION of FCRA 611 ( a ) ( 1 ) ( A ).
Consumer complaint received 2023-05-15
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. (MO)

As I investigated my credit report, I found out that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), kindly investigate this unverifiable account : XXXX XXXX XXXX XXXX Balance : $ XXXXI requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.