davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The amount was {$760.00} on XX/XX/2020 ... .I am a customer who recently open up a checking and savings account with my stimulus check my account is overdraft and on hold through your bank from a merchant ... this action seemed to be wrong because the bank did not inform me prior to putting ahold on my checking account ( even though they don't have to ) ... it was my stimulus check ... I opened up my account in California but the creditors were in Virginia ... I feel that there should have been some support for me for being a new customer and it being my stimulus check protected by the government
Consumer complaint received 2022-07-22
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$610.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$17000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$770.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$190.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (AZ)

I am submitting a formal complaint against I.C. System, Inc., a debt collection agency, and XXXX, the credit reporting agency. The issue stems from a modem/router combo that I returned on time to AT & T U-Verse in early XXXX. Unfortunately, I was not credited for the return, leading to a charge of {$450.00} for the equipment. This debt was subsequently sold, and a collections agency named XXXX pursued me through the credit reporting agency XXXX. I disputed the collection with XXXX, and they conducted a thorough investigation, ultimately ruling in my favor by declaring the collection invalid. 

However, my struggle did not end there. I.C. System, Inc., yet another debt collection agency, opened a collections account with XXXX on XX/XX/XXXX. Frustratingly, I have made XXXX attempts to dispute this collection with XXXX, both through online channels and over the phone, but their responses were not helpful at all. The first time I raised the dispute, XXXX got back to me within a few days, only to offer an unsatisfactory resolution. The second attempt was even worse, with a response received in less than XXXX hours that did not address the issue adequately. The third time around, the outcome remained unchanged, leaving me extremely dissatisfied. 

I strongly believe that my rights under various XXXX Codes have been violated in this situation. For instance, as per 15 USC 1681s2 ( A ) ( 1 ) A, no person or agency should provide inaccurate information to a consumer reporting agency, which seems to have happened with I.C. System, Inc. 's actions. Additionally, 15 USC 1681c ( a ) ( 5 ) explicitly states that consumer reporting agencies like XXXX should not include any adverse item of information in a consumer report without proper authorization, which I did not XXXX. 

I.C. System, Inc. and XXXX have been uncooperative, making it incredibly challenging for me to resolve this matter, despite the previous ruling by XXXX in my favor. I am now filing a complaint with the Consumer Financial Protection Bureau to address these grievances and seek a fair resolution. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

Please investigate this matter and take the necessary actions to ensure that my rights are protected and that the inaccurately reported collection is removed from my credit report promptly.
Consumer complaint received 2022-06-16
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. Fraudulent Accounts : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX. ) XXXX, XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX  ) XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2018-07-31
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)

Experian and XXXX refused to Verify the following accounts that don't belong on my credit report. I AM REQUESTING THEY PROVIDE ME PHYSICAL VERIFICATION PROOF UNDER THE FAIR CREDIT ACT UNDER THE LAW, BUT EXPERIAN & XXXX   REFUSED TO PROVIDE SUCH PROOF. THEY CONTINUE TO SEND ME FORM LETTERS. 

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
Consumer complaint received 2021-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

On XX/XX/2021 we made a withdraw of XXXX in the form of a cashiers check from Bank of America. On XX/XX/XXXX we deposited the check back into our account after discussing the quickest way for funds to be available to the payee. Bank of America has put a global hold on our account and will not release any funds at all and will not give us any reason why.
Consumer complaint received 2018-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

In XX/XX/2016 I voluntarily closed my account by walking in the Fifth Third Branch in XXXX Indiana. After the closure of the account I was reported to XXXX XXXX XXXX for mishandling of my checking account. I deposit a personal check from my other checking account, XXXX XXXX   into my Fifth third checking account. After a few hours I realized the check I deposited was from my old checking account which no longer was in use. I reported this to Fifth Third Bank after the incident and they continued to report me to XXXX XXXX XXXX with a false narrative. Under federal guidelines, this is illegal to a consumer. I'm asking with the help of Consumer Finanace bureau to have this information removed from my XXXX XXXX XXXX report. Thankyou.
Consumer complaint received 2022-06-16
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX/Account number : XXXX XXXX XXXX XXXXAccount number:XXXX XXXX XXXX XXXX XXXXAccount numberXXXX XXXX XXXXAccount number : XXXXXXXX XXXX XXXX XXXX XXXX/Account number:23439**** XXXX XXXXAccount number:XXXX XXXX/Account numberXXXX**** XXXX XXXXAccount number : XXXX XXXX XXXX/Account number : XXXX XXXX XXXX XXXXAccount number : XXXX XXXX/Account number : XXXX XXXX XXXXAccount number : XXXX XXXX XXXX XXXX/Account number : 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 2022-06-16
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. Fraudulent Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX, TXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX. ) XXXX, XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2018-05-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DRAGAS MORTGAGE COMPANY (VA)

The potential buyers provided all information required by CFPB law to apply for a loan with Sellers ( The XXXX XXXX XXXX ) affiliated mortgage company within the mandated three ( 3 ) days of executing the Agreement of Sale. Sellers affiliated mortgage company did not act timely  and acted improperly by delaying Buyers loan application and said mortgage company now is unable to give Buyer a conventional loan. Section 1 of the Sales Agreement states : in the event Buyer is unable to obtain a commitment for the Loan by virtue of a refusal on the part of a lender to approve Buyers application for credit or eligibility reasons, this Agreement shall be null and void, and the Deposit will be refunded to Buyer. 

XXXX XXXX has refused to return the {$2500.00} deposit and the {$1000.00} selections deposit to the potential buyers. 

XXXX XXXX is a large company taking advantage of consumers.
Consumer complaint received 2022-07-22
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be corrected promptly. 
XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$520.00}
Consumer complaint received 2018-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (PA)

against : XXXX XX/XX/2017 charges were made of XXXX to my store card claiming I ordered magazines. I did NOT order them. Called XXXX and they told me I would have to call the magazine companies to get charges removed ( XXXX XXXX, XXXX, XXXX ). partial payment removed which resulted in late fees being applied by XXXX. After harassing phone calls from XXXX I tried again to have the remainder removed. Again, only a partial payment was removed from the magazine companies. This went on again for two months. Two more late fees added to something I DID NOT owe! I ended up with a balance from the magazine companies of XXXX and odd cents and late fees on the next bill. I tried again to contact XXXX via email telling them if they would remove the late fees I would pay the XXXX just to be done. They responded by saying I would have to dispute the charges. XXXX has ruined my credit. I faithfully pay my debt and this was through no fault of my own. Never would I order magazines I don't want. I am a responsible home owner with mortgages and credit cards I have never been late on. I want this removed from my credit report along with all the negative credit marks. I appreciate any help you can give me. This has been a battle for months!! XXXX has committed fraud and deception.
Consumer complaint received 2022-06-16
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
Accounts : XXXX XXXX BANK XXXX XXXX XXXX XXXX OF XXXX / XXXX XXXX XXXX OF XXXX / XXXX XXXX XXXX  OF XXXX / XXXX XXXXXXXX XXXX OF XXXX / XXXX XXXX XXXX OF XXXX / XXXX XXXXXXXX XXXX OF XXXX / XXXX XXXX XXXX OF XXXX / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (OR)

I have a XXXX XXXX Trust Fund with XXXX XXXX XXXX XXXX this is the second time they've had a hard time processing the payment at Chase Bank payment center they send them my pay stub because I send them a PDF file they sent a physical check with my full name on it and the pay stub I've asked them multiple times to apply the credit adjustment to my account they frustrate me and they hang up the phone I do not become belligerent at any time I need help so this doesn't happen to me over and over where I have to keep proving and calling my trust one for them to provide proof that they send the check to them I'm looking for an advocate I've called them multiple times
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (IL)

This communication is in reference to my LexisNexis Accurint Report dated XX/XX/2023, Consumer Number XXXX, Case Number XXXX. This communication shall serve as my formal written notice to LexisNexis that my LexisNexis Accurint Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to permanently remove the inaccuracies that I have identified in my LexisNexis Accurint Report. The items in dispute are the Incorrect Phone Records that you are reporting on my LexisNexis Accurint Report ( See attached Supporting Document # XXXX ). This is my fifth notice to LexisNexis regarding the Incorrect Phone Records that LexisNexis Accurint is reporting on my LexisNexis Accurint Report. This information is inaccurate because I have NEVER had the phone numbers that LexisNexis Accurint is reporting and I have NEVER been associated with the phone numbers that LexisNexis Accurint is reporting. Additionally, LexisNexis has previously reinvestigated these incorrect phone numbers and determined them to be UNVERIFIED ( See attached Supporting Documents # 2 and # 3 ). I kindly request that LexisNexis Accurint promptly and permanently rectify the inaccuracies that I have identified in my LexisNexis Accurint Report.
Consumer complaint received 2018-05-01
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. (IL)

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. Equifax and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : Experian XXXX ACCOUNTS XXXX XXXXXXXX not mine XXXX XXXX XXXXXXXX not mine XXXX XXXXXXXX never late XXXX XXXXXXXX not mine XXXX XXXX XXXX XXXX XXXX IL XXXX not mine XXXX XXXX {$84000.00} not mine
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX Re : FTC ID Theft Complaint Dear Sir or Madam : This letter confirms the conversation I had A Representative at Your Office on XX/XX/XXXX regarding the theft of my identity. 

I am notifying the FTC that my identity has been stolen and used for fraudulent purposes. 

My personal information as follows : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Someone has used my identity to engage in the following type ( XXXX ) of fraudulent transactions : * Credit Cards The following is a description of the identity theft incident : An anonymous person used my information 4 times for fraud : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-06-16
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. (NC)

The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists.
Consumer complaint received 2020-07-27
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX {$6100.00} XXXX  XXXX {$2300.00}
Consumer complaint received 2020-07-27
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX {$6100.00} XXXX  XXXX {$2300.00}