davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I am writing to address the fraudulent account and inquiries attached to my consumer report, which I have previously brought to your attention. The reinvestigation process has exceeded the 30-day timeframe, causing significant financial distress and hindering my ability to secure housing for my family. 

Enclosed, please find copies of the identity theft report I filed, along with the report outlining the fraudulent account and inquiries on my consumer report. These documents serve as conclusive evidence of the fraudulent nature of the account and inquiries, necessitating their immediate removal from my report. 

Fraudulent Account : Account Name : XXXX XXXX Account Number : XXXX Fraudulent Inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I urgently request your immediate action to remove the fraudulent account and inquiries within four business days. The presence of these inaccuracies has a detrimental impact on my financial reputation and obstructs my ability to secure suitable housing for my family. I expect a response from a real person, not an automated system such as e-oscar, as this matter requires personal attention and resolution.

Failure to address this matter promptly may result in legal action seeking compensation for each violation in accordance with the applicable regulations. Your cooperation in resolving this matter swiftly and rectifying the inaccuracies in my consumer report is crucial. 

Please acknowledge receipt of this letter and provide regular updates on the progress made to remove the fraudulent account and inquiries. I appreciate your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-02-28
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I visited the XXXX XXXX branch of Bank of America in XXXX XXXX Ca on XX/XX/2019 to replace a lost bank card. The personal banker assisted me with the replacement then asked if I like to speak to the relationship manager on current refinance promotions. I agreed to speak to the person. I initially waited and after 20 minutes decided to leave since I had an appointment to make without ever speaking to XXXX XXXX about refinance promotions. On my way out he asked for my contact information and stated he would call me later that day. I did not receive a call. I received an alert from credit monitoring that a mortgage hard credit inquiry from Bank of America had been made that same day. I did not authorize or consent to this inquiry. I have requested that the bank remove the inquiry from all the reporting agencys. Based on the violation of the Fair Credit Reporting Act I am reporting this to consumer finance for further investigation into the practices of Bank of America.
Consumer complaint received 2019-02-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Tuesday, XX/XX/2019, XXXX XXXX, personal banker, put in an order on his computer to issue a {$25.00} credit to be deposited in my checking account at Bank of America, XXXX XXXX branch. I had been charged a {$25.00} maintenance fee for letting my checking balance get below the {$20000.00} required for the Preferred Rewards status. When I let the balance drop, I had assumed that I would, automatically, be dropped from that classification and enrolled in an account that didn't require a {$20000.00} balance. My assumption was wrong, and I was charged the {$25.00}. XXXX XXXX was sympathetic to my situation and ordered a {$25.00} credit for the account and then enrolled me in an account that required only a {$250.00} balance. To date, I have not received the {$25.00}. XXXX XXXX has not responded to three emails, and XXXX XXXX XXXX has not responded to a letter I sent which was dated XX/XX/XXXX. XXXX XXXX and XXXX XXXX seem uninterested in telling me why the {$25.00} transaction did not go through. I want to know why the transaction has not gone through.
Consumer complaint received 2021-10-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

This is crazy! The amount of incorrect information thats being reported on my credit report is ridiculous. These credit bureau should be ashamed of themselves and its not fair that they get to report what they feel like reporting and its hurting my personal life. I wrote a dispute letter XX/XX/2021 and sent it certified so I can make sure they get my letter. Im going to attach all my letters I sent out, return receipts that I got and proof of my Identity. I want this issue resolved immediately. Please help me take care of this matter CFPB. Thank you
Consumer complaint received 2021-10-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2024-06-05
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. (MO)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

I disputed inaccurate info on report with XXXX  and they still left info and changed the dates The dates are inaccurate shows unknown that shows dates meaning was sold and has been over 7 years so should be removed I disputed with XXXX XXXX and Wells Fargo bought by XXXX  removed it from XXXX  But not XXXX  should be removed from all 3 agencies last payment was XX/XX/XXXX not XXXX meaning 7 years need remove why only one report not all
Consumer complaint received 2024-04-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (KS)

I received a {$350.00} Amex gift card and have not been able to use it anywhere. I can not use it in stores, online or even add it to XXXXXXXX XXXX. Although it shows active with funds available, it declines everywhere since it can not be registered with a name and address. The terms and conditions even state that it can be added to mobile pay options, like XXXX XXXX, but this is not true.
Consumer complaint received 2024-04-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PENNYMAC LOAN SERVICES, LLC. (AR)

We refianced our home in XXXX with the same company and we were told NOTHING had changed. After an XXXX XXXX XXXX and the realitor whom sold us our home installed malware on our devices in XXXX, we started noticing odd software on our devices so we started digging into everything we own and noticed the paper work after we refianced was different. We have flood insurance and apparently being charged somehow when we dont live in a flood zone. We have grants that are on our XXXX XXXX XXXX that we did not ask for, software thats not ours, and browsing history thats not ours and clearly we have been victims of fraud and identity theft and this has been an on going nightmare
Consumer complaint received 2021-10-07
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. (GA)

XX/XX/2021 XXXX XXXX XXXX and Experian committed these following violations below 18 USC 1341-Frauds & Swindles 15 USC 1681m-Requirements on users of consumer rights 15 USC 1681q-obtaining information under false pretenses 15 USC 1681d-disclosure of investigative consumer reports 12 USC 5512-Rule making authority 15 USC 1637-opened consumer credit plans 15 USC 1666a- Regulations of credit reports ( Consumers have a 100 % right to privacy ) 26 USC 6304- Fair tax collection practices 15 USC 1692- communication in connection with debt collection Question why are debt collectors attempting to communicate with me?
Consumer complaint received 2021-10-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC ()

I have deposited XXXX into my Gemini account on the XXXX. 
The bank transfer should have been there on the next 1-2 bank working days. 

When i wanted to check if my deposit has already been credited, i noticed, that my account got blocked and i contacted their support. The support did not answer me at all... I needed to contact one of their support agents directly through XXXX to even get an answer, where they were claiming, that they would have not received the deposit ( I have already deposited money into my Gemini account earlier, but never that much and it always worked fine ). 
After a few days i should upload my payment receipt, which i did... But since that day, they never got back to me... either on XXXX or via Email.
Consumer complaint received 2023-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (TX)

An UNAUTHORIZED INQUIRY was made on my XXXX account on Thursday, XXXX XXXX, 2021 by Chase Bank. I DID NOT authorize Chase Bank to do an inquiry on this date. I did authorized a one-time inquiry on Wednesday, XX/XX/2021 for a credit line increase on the credit card stated above and it was granted. This was the ONLY time I contacted Chase Bank and authorized an inquiry, which was on Wednesday, XX/XX/2021. There was NO ADDITONAL REQUEST MADE OR AUTHORIZED BEFORE OR AFTER THIS DATE BY ME FOR ANOTHER INQUIRY. I called the same day as the initial request, Wednesday XX/XX/2021 and asked if the amount could be increased, which Chase told me IT COULD NOT and it would only be considered if I authorized another inquiry, WHICH I DID NOT AND MADE IT CLEAR VERBALLY THAT I DID NOT AND WOULD NOT AUTHORIZE ANOTHER INQUIRY so that ended my communication with Chase Bank that day Wednesday XX/XX/2021. I never contacted nor authorized Chase to make a new inquiry on XX/XX/2021. This new inquiry made by Chase Bank on Thursday, XX/XX/2021 needs to be REMOVED FROM MY REPORT AND MY SCORE NEEDS TO BE AMENDED IF IT WAS AFFECTED NEGATIVELY BY THIS UNAUTHORIZED INQUIRY. I have attached a copy of my XXXX report with the alert of the inquiry I requested on Wednesday, XX/XX/2021 and the new unauthorized inquiry Chase made WITHOUT MY CONSENT on XXXX.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three credit bureaus.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

I encountered difficulties with my Chase Bank account recently. Despite following the necessary procedures and guidelines, I faced challenges in resolving certain issues. The troubles began on XXXX XX/XX/year>, when I attempted to perform action on my account. However, I encountered unexpected obstacles and errors in the process. 

Despite my efforts to rectify the situation, including contacting customer support and seeking assistance through various channels, I have been unable to resolve the issue satisfactorily. The lack of clear communication and timely assistance from Chase Bank has made it challenging to address the problem effectively.
Consumer complaint received 2023-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ;
Consumer complaint received 2023-02-17
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. (CA)

in accordance with the fair credit Reporting act XXXX  Account XXXX XXXX  # XXXX, and Account # XXXX XXXX XXXX Account # XXXX XXXX, account # 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 angency can not furnish a account without my written instructions.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

There are 4 student loan collections on my credit report still being reported by Equifax that should have been removed through a student loan rehab program. The collection account are reporting in error, and should have been removed.
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I reported to XXXX in XX/XX/XXXX that the XXXX XXXX adverse accounts were the same accounts listed under Department of education as satisfactory accounts. I am no longer liable for any XXXX XXXX accounts. These were paid by insurance. They are also way older than 7 years. I was never given a final response on my dispute filed XX/XX/XXXX. I believe that they thought I would just forget about it. I am XXXX years old and just now learning about credit reports. Instead of teaching me my mother was getting school loans in my name, but that is not the issue. I am no longer liable for them anyway. XXXX has been grossly negligent with my report. They had medical information not coded on my report, listed a XXXX as my address from XX/XX/XXXX and did not list and of my professional work experience from after I graduated college. They only still have a fast food restaurant from XX/XX/XXXX. They had my address as living in XXXX, Ks, XXXX, Ks and XXXX, Ks all in the same month and did not notify creditors about the address discrepancy. The XXXX XXXX accounts are settled. They have also been selling my credit report willy nilly without a permissible purpose listed on my account review inquiries without my consent. There are people who try to tell me they got my report because I got a homeowners ins quote, but I do n't own a home and they say I am not giving them the address that the quote was for. There are a few who just tell me they ca n't find any account for me. This is a blatant disregard for my privacy.
Consumer complaint received 2021-10-07
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)

Ive communicated fraud to credit reporting agencies and provided proper evidence to refute negative marks. All 3 reporting agencies verified inaccurate, fraud information which has cost me my credit reputation and hard costs of inaccessibility to credit. 

There must be a better method to protect citizens who have be the victims of fraud. Creditors paid to provide negative information on consumers can not be partial. This is a violation of consumer protection rights. And, these bureaus and their furnishers must be held accountable for reporting inaccurate fraudulent activities.
Consumer complaint received 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (TX)

Cavalry Portfolio Services has reported a collection on all XXXX credit reporting agencies. I have sent debt verification letters to the address listed here on XX/XX/2017 and XX/XX/2017 with an improper response validating this account, but no proper validation has been received. I have requested that Cavalry Portfolio verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Cavalry Portfolio is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. Cavalry Portfolio also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.. This company has constantly called my personal phone lines and this is prohibited in the State of Texas. This account is effecting negatively on all XXXX credit reporting agencies. I have already notified all XXXX credit bureaus regarding this issue.