davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have reason to believe that Bank of America has placed excessive holds on my account with Fraudulent reasoning. I received two checks both from my Law firms, the first check was placed on a seven to 10 day hold. The second check from the same institution was due to clear on the third business day and yet an additional hold was placed on my account with the reasoning being that they had information which lead them to believe that the check may be returned. This in no shape form or fashion was true. The first check did not have any issues being cashed, was not returned or delayed by the sending banking institution. When I reached out to Bank of America to counter these claims, I was told that they couldnt tell me how they came to those assumptions. Which lead me to believe that this Bank was targeting me and withholding funds without reasoning. My livelihood is being affected due to presumption decision making. I begged and pleaded that a portion of my funds be made available and they declined without reasoning. The additional hold was only placed on my account after I made an appointment to close my account the day the check cleared. I understand how institutions hold funds to make interest of the money in ones account, to hold my funds on false reasoning is unethical!
Consumer complaint received 2024-02-27
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. (NY)

According to XXXX XXXX XXXX XXXX Experian, XXXX and XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 42 USC 408, 15 USC 1666b Delete ACCOUNT
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

On XX/XX/2023, my Citi Bank credit card ending in XXXX was used in multiple stores, while I was in my home with the credit card in my possession. The purchases add up to about {$500.00}, and the stores/purchases are as follow : XXXX, XXXX : {$200.00} XXXXXXXX XXXX XXXXXXXX : {$70.00} XXXX, XXXX : {$63.00} XXXX  : {$200.00} I have been trying to dispute this charge since XX/XX/2023 with Citi Bank. I have sent evidence to Citi Bank, such as pictures of myself at my home during the time of the purchases, with a time stamp of XXXX. I have sent also sent my work time card with clock my in time of XXXX. I have also filed a police report with the case number of XXXX. Further, it should be noted that my spending pattern on that credit card does not mirror that of these purchases, as this card has been used minimally. I have worked hard to pay off this credit card and I really need help in fighting this dispute.
Consumer complaint received 2023-07-17
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. (CA)

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00} XXXX  XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}
Consumer complaint received 2023-07-25
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. (MI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-01-04
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: AES/PHEAA (NY)

XXXX XXXX, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2023-07-25
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)

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 
XXXX XXXX XXXX # XXXX {$15000.00} XXXXXXXX XXXX XXXX  # XXXX {$11000.00} XXXX XXXX XXXX  XXXX # XXXX {$10000.00} The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand this account be deleted from my consumer report.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (NJ)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-17
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 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 that need to be investigated and corrected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

Starting on or around XX/XX/XXXX thru XX/XX/XXXX there was over XXXX in total withdrawn from my checking account. Long story short it was taken virtually through the cloud. I dont use this account much and such a large amount taken and put into a credit union and then was taken from the credit union and put into a trading company " XXXX  ''. for future trading. There should have been a red flag to the bank that something was not right. Fortunately with the persistence of my husband and us both being on the phone for 7 days straight putting out fires we found where the money was and contacted Chase Bank. On top of this my husbands identity had now been compromised and over 15 attempts at new credit card applications were in the works.. Every day for 2 weeks we had to call various lenders and companies to let them know this was not us. Chase bank was so laid back about this problem and this caused me to have to close all of my other bank accounts { ie XXXX XXXX and XXXX XXXX XXXX bank accounts } and start from scratch with setting up bill payment etc. i am still encountering bounced payments and credit card companies not being paid as my bill pay account had been suspended for so long. This is an issue that will not go away in a few weeks. Chase bank has been so irresponsible in this matter, i would like to be compensated in some way. They then closed all my accounts without any notice and sent a check for all my accounts via a ups mailer that sat on my hallway floor and could have very easily been stolen. Were they ever going to tell me they sent a check? I am livid and i want justice for my husband and I. I had an account with chase for over 20 years. I guess customer loyalty doesnt mean a thing.
Consumer complaint received 2023-07-17
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. (NJ)

I would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 


XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX  - XXXX XXXXE XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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. (FL)

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 update or remove them immediately in my report : XXXX XXXX XXXX , XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aargon Agency, Inc. (FL)

I'm citing the Fair Credit Reporting Act 15 USC 1681 section 602a which emphasizes the importance of consumer reporting agencies treating consumers fairly, impartially, and respecting their privacy rights. XXXX and XXXX, as consumer reporting agencies, must adhere to this. As a consumer, I have the right to ensure my private information isn't shared, as supported by 15 USC 6801, which stresses financial institutions ' obligation to protect customer privacy. According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies can only furnish consumer reports with written consent, which I haven't provided. Any consent previously given to XXXX, XXXX, or the furnisher of information to credit agencies is revoked. 15 USC 6802 ( b ) ( c ) mandates financial institutions to inform consumers of their right to opt out of information disclosure, which hasn't been done. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items without permission. Additionally, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits furnishing inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations. XXXX and XXXX are not meeting these standards. Lastly, 12 CFR 1016.7 allows consumers to opt out at any time, and I am opting out of their reporting services.
Consumer complaint received 2024-04-03
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: WELLS FARGO & COMPANY (IN)

WE WERE PUT ON ARM LOAN TOLD WE WERE ON FIXED LOAN WHEN WE COMPLAINED ABOUT PAYMENTS THAT KEPT INCREASING, WE WERE TOLD WE COULD ALWAYS MOVE AND FACE DEFAULT ON OUR LOAN AND FORECLOSURE. SO WHEN THE PAYMENT GOT TO MUCH FOR US WE APPLIED FOR MODEFICATION AND ALWAYS MADE THE TRIAL PAYMENTS HOWEVER, WELLS FARGO KEPT MAKING US REAPPLY OVER AND OVER THEN THEY SAW WE WERE DOING ALL THEY ASKED THEN THEY ILLEAGALLY VIOLATED OUR CIVIL RIGHTS AND DISCRMINATED AGAINST US BY DENING OUR MODEFICATIONS OVER AND OVER BY CONTINUOUSLY LOSING OUR PAPERWORK THEY SAID OR THEY DIDNOT GET IT WHICH WERE ALL LIES I WAS DELIGENT ON GETTING THINGS TO THEM ON TIME TO KEEP OUR HOME ALL THESE THINGS WERE DONE BY WELLS FARGO AND OTHERS TO CAUSE A FORCLOSESURE ON OUR HOME, WHICH THEY FINALLY DID HOWEVER, IT SHOULD NOT HAVE HAPPEN, HAD THEY NOT INTENTIONALLY MISAPPLIED OUR PAYMENTS AND NOT APPLIED OUR PAPERWORK TO THE MODEFICATION. BY DOING THIS THEY COULD KEEP ALL THE MONEY WE PAID INTO OUR HOME AND FORECLOSE AND GET THE HOME AND KEEP THE MONEY. ALSO, THIS IS WHY I WILL FIGHT FOR OUR HOME BACK IN FEDERAL AND STATE COURT OR THE MONIES TO PURCHASE ANOTHER HOME AS THIS STRESS WORRY, BANKRUPTCY, BAD CREDIT HAS CAUSED SICKNESS OF XXXX AND OTHER XXXX XXXX. MUCH MORE CAN BE SAID ABOUT THE HARM WELLS FARGO AND THEIR INVESTORS HAVE CAUSED IN OUR LIVES, WHICH STILL AFFECTS US TODAY. THESE GROSS WRONGS MUST BE MADE RIGHT.
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (IL)

Throughout XXXX and into XXXX I had experienced many difficult encounters with this company. I had setup bi-weekly payments and even called them to let them know and they assured me that I could do the bi-weekly plan I had planned. It wasn't until about XXXX months in that I noticed late pays and when I called them they said that the system didn't know so it appeared as if all my payments weren't applied correctly. They fixed it and assured me that they weren't negatively reporting me to the bureaus and that it wouldn't happen again. I had to do this every few months until last year, XX/XX/XXXX, when I had enough and refinanced my mortgage with XXXX. I had a pay off letter showing I was current on all payments, and I had even talked with NewRez prior to that refi to ensure that my payments were all applied appropriately. They told me that they had applied all payments correctly and that everything with the bureaus would be fine. Additionally, my refi went thru with XXXX no issues. 

Fast forward to XXXX and I'm in the process of looking for a new house and getting a pre-approval letter and low and behold NewRez is showing me having a missed payment in XXXX of XXXX. I promptly call the company to resolve this and I'm told there is nothing they can do and that if I wanted it resolved I would have to fax them a letter or mail them a letter. Yes, you read that correctly, in XXXX I'm required to fax something to a company who reported incorrect information on my bureau and they place the burden back on me to fix my report when THEY were the ones that messed it up in the first place. 

NewRez has not only tarnished my credit score, they are now preventing me from putting offers in on houses in a very competitive housing market. This is unacceptable and I demand an answer from this company.
Consumer complaint received 2024-03-06
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: EQUIFAX, INC. (NJ)

In XX/XX/XXXX, a letter was sent to the credit bureaus to correct the derogatory reporting for XX/XX/XXXX. All of the charges on my card were fraudulent and XXXX has refunded me the money & refunded the late payment fee. The credit bureaus are still marking me as late XXXX  days in XXXX XXXX  XXXX, even after I was assured multiple times this would be fixed and I should not be marked late because of the Fraud. This incorrect reporting has prevented me from buying a house and a car.

I have attached the credit report still showing XXXX  days late in XXXX XXXX  XXXX. I have also attached a statement showing that the entire balance was refunded to be as fraudulent charges, the late fee refunded, but still no correction to the credit bureau reporting.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

There is information thats on my consumer Report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not informations related to any transaction by me as the consumer.
Consumer complaint received 2022-02-14
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter  PLEASE HELP ME PLEASE
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (MN)

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiry deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-11-12
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SUN LOAN COMPANY INC. (NV)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The Credit Bureaus are reporting inaccurate information on XXXX  XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.