davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-30
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I was recommended to Bank of America by a financial adviser from XXXX XXXX, owned by B of A. The advisor sold me on a unique product that they offered, a 30 year fixed rate with a 10 year interest only option. Since I am retired with reduced income, I found this to be an attractive option versus the 3.5 % 30 fixed that I currently have on my primary residence. The application date was XX/XX/2021 and the application was taken by XXXX XXXX, XXXX, with B of A in New York. The application was originated incorrectly with many inaccuracies. I on several occasions asked that the terms of this interest only be confirmed. I was told verbally that it was. When I received the disclosures I questioned why they disclosed a non-conforming 30 year amortized loan when I was sold an interest only version. When reviewing the disclosure documents, I questioned the terms assuming that because it was a unique product that it must be disclosed in this manner. I received verbal confirmation from the XXXX XXXX adviser, XXXX XXXX, that it in fact was the interest only product. The loan officer, XXXX XXXX, never responded to that question to me personally. In fact since the origination of this application, XXXX has failed to communicate throughout the entire process. Never returning requests for a phone call and rarely through the various email systems employed by Bank of America. Finally out of extreme frustration, I reached out to his manager, XXXX XXXX on XX/XX/XXXX - over 90 + days in process - inquiring as to why this loan has not closed in timeframes set by the loan officer. When verifying that I was receiving the interest only option product, he stated that I was not. It was a traditional 30 year loan. I feel that through this exhausting process I have experienced miscommunication, misinformation, misrepresentation and was deceived throughout the process. XXXX blatantly ignored my requests and acted in a manner that is required through regulations dictated by NMLS, FTC and Consumer Finance Act. I have invested time and funds as well as severe distress for the last 90 days. I feel that XXXX should be held accountable to the tenants of these regulations. I am a 30 year veteran of the mortgage industry, currently retired, and have a 36 year legacy relationship with this bank, both as an employee and a client. This process has been an egregious disregard to me as a consumer and long time client, with no remorse or acknowledgment from any of the parties. These misrepresentations board on fraud. I have filed complaints with the NMLS through the NY Department of Financial Services and will file additionally to FTC and local RI Department of Business Regulations.
Consumer complaint received 2022-05-18
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: Experian Information Solutions Inc. (AZ)

I was was alerted by Experian that there was a new loan on my credit file, I tried to contact XXXXXXXX XXXX and they would not really help me I mention to them that this is fraud and they would not even flag account as fraud, they mention someone name.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST (CA)

Bank will not take care of many fraud charges on several claims from out of country charges and slapped foreign fees to all of them in addition to many other unauthorized charges. I have been in the hospital and under a XXXX care not in XXXX!
Consumer complaint received 2022-08-31
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-12
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. (FL)

PLEASE NOTE, THIS IS NOT A DUPLICATE COMPLAINT. I'm sending this complaint regarding this issue FIRST TIME. 
I '' M NOT USING ANY THIRD PARTY FOR THIS REGARDS. 
I have also sent complaint regarding this issue to GENERAL ATTORNY. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX BANK XXXX XXXX XXXXXXXX ; XXXX XXXX - XXXX ; XXXX XXXX XXXX ; XXXX BANK - XXXX XXXX XXXX BANK - XXXX XXXX XXXX BANK - XXXX ; 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have repeatedly requested method validation of a bankruptcy reference XXXX reporting on my credit report and the agency refuses to comply. US Bankruptcy courts do not verify cases. And as of the new law effective XXXX XXXX, 2017 any public record reporting on a credit file must contain name, address, SSN and DOB. The bankruptcy record does not include this information and per the new law should be deleted.
Consumer complaint received 2022-10-12
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. (TN)

TransUnion, XXXX and XXXX is furnishing negative items on my consumer report that's suppose to be excluded. The information was obtained under false pretenses through aggravated identity theft to help the furnisher extort me by using racketeering activities to compel and coerce me into paying alleged debt not owed.
Consumer complaint received 2022-05-18
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: JPMORGAN CHASE & CO. (FL)

Chase auto loan sent me a paper lien satisfaction and have not remove the electronic lien on my title stating that they didnt have enough time to file it properly hence why they sent me a paper satisfication. When I took the letter to the dmv, they stated I need XXXX XXXX XXXX dba XXXX XXXX XXXX to remove the lien electronically and the paper lien from chase is no good. Mean while my current auto loan that i refianced the car with XXXX XXXXs charging me XXXXXXXX XXXX  a month till i can get this lien removed so they can place theirs. XXXX can not find the lien. This has been on going issue all of 2022 with no fix in sight
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX/XXXX XXXX  # XXXX is reporting a collection on my account that I never received any notice of. I currently have XXXX   XXXX  and I was never sent anything letting me know the account was going to go to collection, I only found out about it when I checked my credit. This is in violation of my 30 day right to dispute.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

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 :
Consumer complaint received 2022-05-18
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. (AZ)

I wrote a letter to all 3 credit bureaus ( Experian, XXXX, and XXXX ) on XXXX about a Judgement ( Bankruptcy ) that is currently on my report. In a previous letter from them all they revealed that they verified my bankruptcy using XXXX. In the recent letter I sent to them, I attached a letter from XXXX stating that they have completley removed the Bankruptcy from my report, and even went further attaching the section of my XXXX report where they could see that it has been removed. In this letter I requested that they remove this from my report as well, being that the company they verified my infomation through removed it. I recently recieved a letter back from them stating that this account will remain on my report due to the information being verified as accurate. They did not give details of how they recently verified this accuracy of my infomation. Unless they can provide another souce of verification, I can only assume they used XXXX in which this account no longer exist. I would like to make a complaint against XXXX, XXXX, and Experian and proceed in the removal of this account on my credit report.
Consumer complaint received 2022-05-18
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. (AZ)

I wrote a letter to all 3 credit bureaus ( XXXX, XXXX, and Equifax ) on XXXX about a Judgement ( Bankruptcy ) that is currently on my report. In a previous letter from them all they revealed that they verified my bankruptcy using XXXX. In the recent letter I sent to them, I attached a letter from XXXX stating that they have completley removed the Bankruptcy from my report, and even went further attaching the section of my XXXX report where they could see that it has been removed. In this letter I requested that they remove this from my report as well, being that the company they verified my infomation through removed it. I recently recieved a letter back from them stating that this account will remain on my report due to the information being verified as accurate. They did not give details of how they recently verified this accuracy of my infomation. Unless they can provide another souce of verification, I can only assume they used XXXX in which this account no longer exist. I would like to make a complaint against XXXX, Equifax, and XXXX and proceed in the removal of this account on my credit report.
Consumer complaint received 2022-05-19
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. (NJ)

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

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 :
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-18
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. (NJ)

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Experian- I have already complaint to Experian. 
I disagree with investigation that Experian does on credit investigations. It seem very poor everytime throughout my experiences. 

My close account XXXX XXXX account with XXXX XXXX. This was a XXXX closed end lease on a XXXX XXXX that I open back On XX/XX/XXXX. XXXX and terminated in XXXX, XXXX. 

I made several payments ahead before nearing the end of my auto-lease. I was current in XX/XX/XXXX, Current XX/XX/XXXX and current in XX/XX/XXXX, and returned the vehicle to the nearest dealership, which was XXXX Texas, XXXX dealership which is 8 miles from my house. The original dealership was 35 miles in XXXX Texas where I leased and picked up the vehicle. The Rep on the phone, explained to me to return to the nearest dealership and that is what I did. 

I was not late on my payments in XXXX, XXXX or XXXX. I never had possession of the vehicle past XXXX XXXX, yet I got mark with LATE paymentS which are fraudulent and incorrect. 

I am requesting those on my credit report also be removed from the XXXX XXXX thru XXXX and XXXX. 

Experian is still showing my auto lease as still Open, when it should be closed. 

I subimitting proof of my double payments records that was kept towards the last 3 months from XXXX XXXX, history Website. I paid ahead to close the lease early in XXXX, and returned the vehicle XXXX XXXX, XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I don't want this on my report, it hurts my credit history and it's not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
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. (NJ)

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-05-18
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. (NJ)

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

THIS ACCOUNT IS NOT MINE *XXXX  - XXXX THESE INQUIRIES IS NOT MINE XXXX XXXXXXXX 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 2022-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC. (CO)

XX/XX/2022 I signed up for a 30 day free trial with XXXX and filled out a line of credit with Citizens One. I was provided a tablet by the sales rep to fill out my information and saw that the equipment was a total of XXXX and that I did not have an interest rate on the line of credit. I have tried to cancel my free period trial with XXXX  and have received the run around, so I got in contact with Citizens One to let them know I would like to close out my account due to the fact that I do not have all of my equipment as promised, and am within my 30 day trial. I was advised I can not close my account unless XXXX sends a notification to CitizensOne of cancellation, where XXXX states I must pay off the amount of equipment in full in order to terminate services with XXXX. I asked them if they were tied in with XXXX and the representative stated that they were not, that they were just responsible for collecting payment on the equipment. I received an email from CitizensOne with my balance, minimum payment and due date. The amount is XXXX more than what I signed off on initially. I do not know why there is added money due to the fact that I can not see what exactly I am being billed for on their site rather than just a total amount. Upon further request it appears as the extra XXXX is coming from an installation fee, that I was not supposed to be charged, and I did not agree to that amount when putting a line of credit in. This was tacked on after the fact, as well as it is an open line of credit for XXXX which is also not what I put in for or agreed to. I agreed to a XXXX line of credit. I did not sign up for a line of credit through CitizensOne for XXXX.
Consumer complaint received 2019-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finance System of Green Bay, Inc. (WI)

On XX/XX/2019 I received a letter stated that a balance of {$110.00} is owed for an account with XXXX XXXX XXXX XXXX. I do not have and have never had an account with this company and deny the debt.