davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have an account with Bank of america, as of XX/XX/23 I deposited a settlement check from my lawyer, then as of this morning XX/XX/23 bank of america closed.my account ( without reason per them ) and is holding all of my funds. Even the funds not related to the check. They did verify check is valid. They refuse to release funds.
Consumer complaint received 2021-01-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Adler Wallach & Associates, Inc. (CA)

To the short response AWA Collections has mailed the validating documents, with the legal electronic signature required, to his address. The full balance remains due. As for the verbiage on the credit report, that is completely the responsibility of the credit bureau. AWA Collections does not control how the debt is described, other than it was assigned for collection. 

XXXX And XXXX Please provide and upload the Validation proofs on CFPB and also since were on a great verbiage demanding to collect a debt. That sound like you cant provide the validity of an original contract. Could you please upload also the legal electronic signature that you stated that has been required. Cause to my knowledge I still dont know what Accusations AWA Collections is addressing to. 

Please practice The Fair Credit Reporting Act XXXX FCRA XXXX is a federal law. Cause your now violating with not should any type of validation not accepting a any payment and demanding a FULL Balance payment.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents DEPT OF EDUCATION/XXXX  Account Number XXXXU.S. DEPARTMENT OF EDUCATION Account Number XXXX U.S. DEPARTMENT OF EDUCATION Account Number XXXX Addresses XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Inaccurate ( XXXX ) XXXX Inaccurate Employers Select as many as apply XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX - CARD SERVICE Late payment DEPTEDNELNET - FCRA violation Never late {$8500.00} Balance updated XX/XX/2020 3 late payments Account Info Hover over labels for more details Account number XXXX US DEPT ED - FCRA Violation Unknown Payment History - 2 {$38000.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed VSAC FED LN- Closed account- FCRa Violation - Never late {$0.00} Closed 9 late payments Account Info Hover over labels for more details Account number XXXX Account status ClosedVSAC FED LN - never late- FCRA Violation {$0.00} Closed 9 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I tried to apply for XXXX XXXX Credit Card on their startup program on XX/XX/2022. They said it would be soft credit check as advertised on their site. My call went to a different department where they took my application and did a hard credit check. Multiple XXXX agents confirmed that they would get my hard credit check removed in 90 days. 

It is still post 90 days and the hard credit inquiry on all three credit bureau still persists. XXXX other department approved my application but I didn't want that card and I wanted card under startup program so I declined the card and asked them to ensure that there is no hard inquiry on my file. 

Application Ref : XXXX When I called Credit Bureaus they said that XXXX has to remove these hard inquiry else it will stay there for 24 months. 

I have audio recordings with XXXX agents that confirm that they made a mistake in hard inquiry and it will be removed.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents DEPT OF EDUCATION/XXXX Account Number XXXX. DEPARTMENT OF EDUCATION Account Number XXXX XXXX DEPARTMENT OF EDUCATION Account Number XXXX Addresses XXXX XXXX, XXXX, LAXXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Inaccurate ( XXXX ) XXXX Inaccurate Employers Select as many as apply XXXX XXXX XXXX XXXX XXXX XXXXL * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late payment DEPTEDNELNET - FCRA violation Never late {$8500.00} Balance updated XX/XX/2020 3 late payments Account Info Hover over labels for more details Account number XXXX US DEPT ED - FCRA Violation Unknown Payment History - 2 {$38000.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed XXXXXXXX XXXX XXXXXXXX Closed account- FCRa Violation - Never late {$0.00} Closed 9 late payments Account Info Hover over labels for more details Account number XXXX Account status ClosedXXXX XXXX XXXX - never late- FCRA Violation {$0.00} Closed 9 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

After recently reviewing my credit report, I took notice that the above-mentioned account is currently in Charge Off status. I sincerely would like to take care of this account as soon as possible. 
Due to illness, Iunfortunately got behind on my payments and was unable to meet my obligations. However, since then my situation has greatly improved and I am in the position to recompense this debt. 

I am willing to pay MACY'S/DSNB ( {$360.00} ) provided that the above account is updated on all credit reporting agencies to state : PAID AS AGREED, or completely removed from all credit reporting agencies upon my final payment. 

I am not agreeing to an updated credit report that states this account as : PAID CHARGE OFF or the like, as this will not significantly increase my credit score, nor will it reflect my sincere willingness to restore my good name and hopefully, someday, again do business with your company. 

Your written response will serve as an agreement to my proposal and I will pay. Thank you very much for your valued time.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXXollection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

After noticing that Experian has been reporting an inaccurate, Incomplete account on my credit report. Experian refuses to adhere to federal laws. 

Account under the name : XXXX XXXX XXXX XXXX Account must be deleted for reporting inaccurate payment history, inaccurate name and address on file. incomplete balance owed. Experian currently reports a payment history on a closed charged -off account a clear violation of FCRA rules Account must be deleted for continuously reporting incomplete information on my credit report. 

Last date of payment incomplete or inaccurate ; a violation of FCRA rules Inaccurate name and address on account. a violation of FCRA rules. 

Inaccurate date of last activity, a violation of Federal law
Consumer complaint received 2023-05-18
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX  XXXX XXXX : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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

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.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Consumer complaint received 2020-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After pu

rchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2023-03-05
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 XXXX Account : I have two accounts with this company. A late payment has been reported that I do not recognize. 

Account 1 : XXXX Account 2 : XXXX XXXX has violated my rights by reporting a late payment. 

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

15.U.S.C. 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-10-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MoneyLion Inc. (NC)

Moneylion keeps reaging my charged off debt and changes the balance owed. My report shows a charge off but the acct keeps reaging and the original date of delinquency updates. Recently this caused a 60 point drop after almost 2 years and they keep updating remarks from Charged off to Moneyloin and then they go back a few months later and edit it again.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.
Consumer complaint received 2021-01-12
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: HYUNDAI CAPITAL AMERICA (IL)

Purchased a new XXXX vehicle in XX/XX/XXXX. Financed a portion of the purchase price with Hyundai Motor Finance. 
The loan was paid in full XX/XX/XXXX. Received correspondence dated XX/XX/XXXX acknowledging the debt had been paid ( copy attached ).

Letter stated that it ( the letter ) " shall serve as certification and evidence of satisfaction of the above referenced retail installment contract ''. 

In early XX/XX/XXXX, an application was filed with the Illinois Secretary of State for a title with the lien removed. Due to an error in the application the lien was not removed and the title was sent to Hyundai Motor Finance. Starting in late XXXX XXXX was called repeatedly for them to send the title. These calls generally followed the same routine : The representative on the phone was polite and seemed to want to help. But they did not handle titles. Please furnish a way to contact ( a telephone number ) the individuals who do handle titles. The representative could not do that as there was no telephone number or external email address for the title department. All they could do was send an internal email, which they allegedly did several times. The reasons given for the title department not sending the title ( strange they knew the reason since they could not contact the title department except via email ) ranged from they did not have the title ( in a subsequent telephone conversation a representative acknowledged the title was logged as received on XX/XX/XXXX ), titles were only sent out on Tuesdays and Thursdays and a reduced work schedule due to Covid. 
They would send another email. On one call I spoke with a " supervisor '' who provided the same story : they had no telephone number and could only send an email. The last telephone communication with Hyundai was on Monday XX/XX/XXXX at which time I was assured the title would be sent on Thursday ( XX/XX/XXXX ). 

It is now mid XX/XX/XXXX and still no title.
Consumer complaint received 2021-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (WI)

Google Pay will now allow me to delete my financial payment information from their service. This is a widely known issue. Essentially, if a person has ever paid for a subscription with a given credit card, google will maintain that payment information ( card #, exp date, cvv, etc. ) After expressly being told they do not have consent to do so. It is unacceptable that they will not allow users to remove a payment method at the users discretion.
Consumer complaint received 2024-03-22
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. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and so on.
Consumer complaint received 2021-01-12
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. (TX)

My name is XXXX XXXX XXXX XXXX XXXX, My father is XXXX XXXX XXXX. I have disputed an item regarding XXXXXXXX XXXX  and XXXX XXXX XXXX that does not belong to me. Although I have disputed the item and demanded requirements under Section 609 of The Fair Credit Reporting Act, Transunion continues to allow the derogatory information to continue to be reported without requiring the two above named entities to comply with Section 608 FCRA which requires both above named entities to produce the specific time and date that I authorized my credit to be pulled and the specific contracts/agreements that I purportedly entered into. I have never authorized an account with XXXXXXXX XXXX  or XXXX XXXX XXXX in my name. The failure of Transunion to require the debt collectors to comply with Section 609 FCRA violates State and Federal Law which is in the jurisdictional enforcement of the CFPB. As of the submission of this complaint the erroneous information is still negatively impacting my credit report. In addition, the investigation by Transunion did not require XXXX XXXX nor XXXX XXXX XXXX to comply with Section 609 FCRA, this violates The Fair Credit Reporting Act.
Consumer complaint received 2021-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

They froze my account because I am a XXXX XXXX I XXXX  XXXX and XXXX them to potential  XXXX. They deposit the money in my account then I release the funds. My account was frozen because funds was placed in 3 times in one day and they stated the a XXXX  stated they sent money in my account by mistake after I already released the bitcoins. It has been a month and Noons has even tried to assist, they are giving the run around
Consumer complaint received 2021-01-12
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)

My name is XXXX XXXX XXXX XXXX XXXX, My father is XXXX XXXX XXXX and is the person responsible for the account under XXXX XXXX  and XXXX XXXX XXXX. I have never opened an account with other of these entities. I have sent notice several times under Section 609 of The Fair Credit Reporting Act which requires BOTH entities to produce specific information, including but not limited to authorizations to pull credit ( specific dates ) and/or contracts or agreements purportedly signed by me. As if the submission of this complaint neither entity has complied with Section 609 FCRA yet BOTH continue to erroneously and unlawfully report a derogatory item on my credit report that is not mine. I am once again attaching notice under Section 609 FCRA addressed to XXXX, Equifax and XXXX  previously sent to XXXX XXXX and XXXX XXXX XXXX yet never responded to by either entity. As of this complaint BOTH are in violation of Section 609 FCRA which is enforced by the CFPB. I am asking for enforcement of this statute if either entity fails to comp, yvwith my Notice under Section 609 FCRA.