davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Bank of America Merrill CMA account force me to fund my account when my e EE-i series government issue bonds an my ETF account N my dividend growth I never received any of my funds now my account is open I requested check an credit card other brokers need to be mail to me funds must start receiving payment deposit to my CMA account as credit merger my account I'm title to my funds don't belong to the company they are government issue bonds stocks shares if the company can't manage holding stocks than they need to close down
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against [ name of credit reporting agency ] for violations of the Fair Credit Reporting Act ( FCRA ), which is codified at 15 USC 1681 et seq. Specifically, I believe that the credit reporting agency has engaged in actions that are in violation of sections of the FCRA, including but not limited to : Section 604, which outlines the permissible purposes for which a credit report may be obtained.

Section 611, which requires credit reporting agencies to provide consumers with a free copy of their credit report once every 12 months upon request.

Section 611 ( a ) ( 1 ) ( B ), which requires credit reporting agencies to promptly correct or delete inaccurate or incomplete information in a consumer 's credit report.

Section 623 ( a ) ( 2 ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information in a consumer 's credit report. 
Additionally, I want to bring to your attention that the following addresses are non-mailable addresses and should be removed from my credit report immediately : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX I have not authorized any person or entity to request or obtain a credit report for these addresses. Therefore, any information related to these addresses is a violation of the FCRA. 

As a result of these violations, I have suffered damages, which may include but are not limited to : [ describe the specific harm you have suffered, such as lost job opportunities, denial of credit, etc. ]. I am therefore seeking monetary relief for each violation of the FCRA, including actual damages, statutory damages, and, if applicable, punitive damages.

I have attempted to resolve this matter directly with the credit reporting agency, but have been unable to do so. I am therefore requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the credit reporting agency complies with the FCRA, removes the non-mailable addresses from my credit report, and obtains written consent from me before releasing any credit report information for any future addresses.

I have attached documentation supporting my complaint, including copies of my credit reports and any other relevant correspondence with the credit reporting agency. 

Thank you for your attention to this matter.
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: EQUIFAX, INC. (CA)

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 XXXX # XXXX, Account name : 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.
Consumer complaint received 2022-02-27
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. (NC)

In accordance with the Fair Consumer Reporting act XXXX XXXX allege account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

On XXXX  XX/XX/XXXX I accessed my XXXX credit card and noticed my credit score had substantially decreased. I accessed my Experian credit report through XXXX. In addition to the current credit accounts I own, an additional credit line was listed through XXXX  XXXX XXXX. Per the report the account was opened on XX/XX/XXXX, its current balance is {$6600.00} with a credit limit of {$6000.00}. 

On XX/XX/XXXX I contacted Experian regarding the issue. They requested I contact XXXX  XXXX XXXX and initiate a fraud complaint. I called XXXX  XXXX XXXX on XX/XX/XXXX. They were unable to identify the account based on my name, social security number or the account details listed above. They initiated an investigation that I was told would take 7-10 business days, with final outcome being reported to the credit bureaus and taking up to 90 days to process. I relayed this information to Experian who advised I report this issue to the FTC ( which led to this page ) and my local police. They also informed me that I can complete a dispute through Experian which would be an independent process from the XXXX  XXXX XXXX XXXX, and take up to 45 days.
Consumer complaint received 2022-02-27
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. (OH)

I HAVE NOT ATTEMPTED TO APPLY FOR ANY TYPE OF CREDIT FROM XX/XX/XXXX TO XX/XX/XXXX. I HAVE MULTIPLE HARD INQUIRIES WITHIN THIS TIME FRAME WITH TRANSUNION XXXX OF XXXX. I CONTACTED TRANSUNION MULTIPLE TIMES REQUESTED TO HAVE THE HARD INQUIRIES REMOVED BUT I WAS INFORMED THAT BY TRANSUNION THAT THEY HAVE TO BE REMOVED BY THE COMPANY THAT MADE THE HARD INQUIRY. I HAVE SPOKEN TO MULTIPLE PEOPLE AT THE TRANSUNION AND THEY WILL NOT RESOLVE THIS ISSUE. 
I CALLED XXXX XXXX  WHICH IS ONE OF THE CREDIT COMPANIES THAT MADE A HARD INQUIRY AND THEY DENIED ATTEMPTING TO REMOVE THE HARD INQUIRY.
Consumer complaint received 2022-02-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I bought a XXXX XXXX and had monthly payments with Toyota Financial Services. I decided to pay off so paid it off by phone and the representative said I would get something in the mail regarding my tile. Months passed by and I didnt get anything in the mail. I called and the representative said she would request to be resent. Month passed by and I didnt hear anything. I called again and representative said the request denied and they dont send anything. I have to go to DMV. I went to DMV and they said they dont do title and they sent me to their XXXX location. When I went there, the asked for my ID and asked me to sign to get my car tile. They charged my card {$85.00}. Toyota never disclosed that getting my car title would cost money and they never disclose that they that I have to go through so much to get my car title.
Consumer complaint received 2022-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I applied and was in the process of short selling my home all documents and necessary items were sent and received by the loan servicing company XXXX XXXX XXXX XXXX the last item needed was the appraisal which was order by XXXX XXXX, I was contacted by their appraisal company and the appointment was set for them to come and conduct the the appraisal of my of home which was two weeks ago from the date of this complaint i was contacted shell point via email on XX/XX/XXXX XXXX asking if the appraisal had been completed on the property a reply was sent back on XX/XX/2022 that appraisal had already came out over 10 day ago, but on Thursday XX/XX/2022 i came home only to find a sale notice on my door, while in the middle of my short sale Loss mitigation process waiting on XXXX XXXX appraiser to finish and complete the appraisal, XXXX XXXX flat out lied and said the trustee filed the sale notice but after speaking to peak foreclosure services i was told that XXXX XXXX told them to file the notice even though they knew we were waiting on the appraisal to be completed. when all XXXX XXXX had to do was pick up the phone and call their appraiser but no they rather just foreclose on my home
Consumer complaint received 2019-05-10
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. (NJ)

I have a XXXX XXXX XXXX revolving account on my report that does not belong to me neither am i responsible for it. 

i contacted XXXX XXXX XXXX on XXXX XXXX 2019 and they couldn't help me.
Consumer complaint received 2022-02-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (MO)

On XX/XX/XXXX of 2022 Client Services Inc. called me at XXXX from XXXX, I was at work when I got the call and did not pick up. On XX/XX/ 2022 they called again at XXXX from XXXX again I was at work and did not pick up. On XX/XX/XXXX they called at XXXX from XXXX I was at work yet again so I did not pick up. On XX/XX/XXXX they called at XXXX from XXXX I did not pick up. On XX/XX/XXXX they called at XXXX I did not pick up. Up until today when I finally started looking them up I did not realize they were a debt collector I figured it was someone trying to offer me a job. In all this time of trying to contact me over the phone I have not received anything in writing from them about any debt. I prefer to email as debt collectors are not pleasant to deal with over the phone. Not sure why they are calling but, until I get something in writing that shows why they been calling since XX/XX/XXXX which is over the 5 limit for debt validation I will not answer.
Consumer complaint received 2019-08-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (NC)

I called to have my Paypal Card activated Im told that Everyone has an Residential address and a Bank Account and Insurance and you have to show proof of Address like an light bill or you should have an letter from the Government, this is Discriminatory to people who Dont Work, Who Dont have a Bank Account, Who dont have a Home/Residential Address with a Light Bill, Or have went or have an letter from the Government Office. : ; I havent got an Home I live in an extended stay, I dont deal with Any banks that arent meant for the living I havent dealt with any Government Offices to have any mail from them so how do Any living man or woman supposed to get an card activated this is Discrimination against any living man or woman that has or need this card and that living person cant get a card because it was said by the CSR AND SUPERVISOR XXXX everyone has an Residential Address and thats not true all all ... This is an class action law suite Paypal is Very Bias against living people who are Homeless with an Residential Address, Living People who dont have an Home, Living People who dont have Bank Accounts that are meant for Legal Entities, not living People, for living People who dont have or get Paychecks but Who Do Have An SSN & ID with the Legal Entities name listed on the Government Issued ID of the living man or woman is without any of your Documents that Paypal is asking for and its not giving to them Because under the Corporations Laws its what is Demanded from you if you dont have an HOME your Denied to have an PER-PAID PAYPAL MASTERCARD ACTIVATED
Consumer complaint received 2022-02-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation (OR)

Homepoint Financial has been refusing to remove our PMI when we are more then 80 %. I began requesting removal since XX/XX/2021, Ive submitted the documents, we had the XXXX come by XXXX XXXX. Homepoint received the information and weve called and have not had it removed, Ive called and documented what we have been experiencing and Ive told them what is napping is unethical, since they are holding on to our PMI and not removing it. It should have been removed in XXXX and now we received a letter stating our loan will be transferred to XXXX XXXX! This is a high risk loan service with for those whos credit is questionable. Weve never been XXXX, have always paid, never missed a payment, we have high credit scores, And! We noticed our interest rate is different! We signed FHA not a variable. We have been treated unfairly and cheated by XXXX Financial. This falls under the XXXX XXXX. Please, advise.
Consumer complaint received 2022-02-27
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-09
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. (LA)

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 2022-02-27
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp. (IN)

On XX/XX/XXXX and XXXX 2022 TrueAccord sent personal information about a debt, amounts, original creditor, etc to 2 different email accounts belonging to my mom.

Her information would not have been included anywhere on my account. They found these emails, without knowing who they belonged to and divulged my information. Luckily, they belonged to a family member, but niether of these emails were tied to my account in any way.
Consumer complaint received 2022-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TN)

Convergent Outsourcing , Inc sent a letter attempting to collect a debt and committed several individual acts against the Fair Debt Collection Practices Act. I, the consumer, have never entered into any contract with COI. I have a cease and desist order that I have sent and it is attached to this complaint. I demand deletion from all of my reports immediately and I will be seeking remedy for all injuries pursuant to 15 USC 1692k for any noncompliance.
Consumer complaint received 2023-07-06
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. (GA)

This is my second or third compliant and after this Im going to sue XXXX and Experian for violating my FCRA. I have two accounts that are closed with XXXX and it continues to come back as verified. One account ends in XXXX and had a balance of {$4300.00} and the other account ends in XXXX and had a balance of {$7900.00}. XXXX continues to change the close date. My attachments show proof. The most recent credit report shows XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. How can this continue to happen. Another attachment shows dates from XX/XX/XXXX. This is intentional at this point. 

XXXX needs to be removed from both XXXX and Experian. I have requested multiple disputes but they all come back verified. 

Experian the only CRA reporting 90 day lates for both accounts. XXXX deleted both accounts back in XX/XX/XXXX as the same inaccuracies are shown. 

Im not requesting another investigation. In fact, do not do one. This information needs to be deleted IMMEDIATELY for multiple FCRA violations. 

XXXX shows DOLA as XX/XX/XXXX while Experian shows nothing. Experian doesnt show a close date. 

This file needs to be deleted. A response of opening an investigation is not sufficient. Both credit bureaus have had ample time to resolve and didnt. Remove both XXXX accounts or I will have to file FTC complaints and sue in court for violating my rights. 

A letter from XXXX ( the presidents office ) shows contradictory information. No close date has been provided. XXXX said they are not reporting 90 day lates in the letter however thats incorrect. 

Also attached is another credit report showing close dates in XXXX. All parties need to immediately delete credit files since my FCRA rights have been violated. Inaccurate information on my credit report sits there for years. I need the CFPB to intervene and ensure this is deleted timely.
Consumer complaint received 2022-02-27
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act, the following XXXX  Accounts have violated my rights and are furnishing hard inquiries on my account : Account : XXXX  | Date : XX/XX/XXXX Account : XXXX XXXX | Date : XX/XX/XXXX Account : XXXX | Date : XX/XX/XXXX Account : XXXX XXXX | Date : XX/XX/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 states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Motors Financial Company, Inc. (AZ)

I apply to go for a Bankruptcy in 2019 on XXXX but after I apply I change my mind and I decide to work with my bank to pay .On XXXX/XXXX/2019 they report on my Credit