davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : DELETIONS TO CREDIT REPORT Dear XXXX, TransUnion, XXXX  : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Account # Reason for Deletion : XXXX XXXX- XXXX  Incorrect Original Amount of Debt Incorrect Payment History-Account was paid on XX/XX/XXXX. Not reflecting on any of my three credit reports.

Incorrect Date Open on the Account- All Three Credit Reports State that that Account was opened in XX/XX/XXXX which is Incorrect Two Different Original Amount 's Owed On The Account. All Three Credit Reports Is Inconsistent With Original Creditor XXXX XXXX XXXX Account. All Three Credit Reports Stated The Amount Is {$220.00}. But Original Creditor XXXX XXXX States {$210.00}.

I AM ENCLOSING PROOF FROM ORIGINAL CREDITOR " XXXX XXXX '' According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below.

Thank you.

Sincerely,
Consumer complaint received 2021-12-08
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. (MI)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.
Consumer complaint received 2018-12-05
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: CNG FINANCIAL CORPORATION (CA)

My issue was well explained in my complaint report along with supporting documents attached that was first addressed to the Federal Trade Commission and later was referred to your office on XX/XX/XXXX which now have an assigned Case Ref. No. XXXX ( XXXX XXXX XXXX ). 
The result ( s ) of that investigation did not seem to fix the problem as relayed by a cfpb representative thru telephone on XX/XX/XXXX because of a reply stating thereon that the derogatory report on my credit record will remain until after 7 years. A hard copy of that result will be mailed for my reference and record but unfortunately, that copy hasn't been received to this date for my official response. 
In this connection, I would like to request the Consumer Financial Protection Bureau to please go over with the attachments, specifically on the matter about payments made for on my behalf by XXXX ( XXXX XXXX XXXX XXXX XXXX ), a Debt Consolidation company that showed XXXX XXXX XXXX or XXXX/XXXX  had been receiving regular payments without let up since from XX/XX/XXXX till XX/XX/XXXX, and therefore, Charge-Off report by the said creditor is off the question. 
A Charge-Off account means a declaration by a creditor ( usually a credit card account ) that an amount of debt is unlikely to be collected. This occurs when a consumer becomes severely delinquent on a debt. Traditionally, creditors will make this declaration at the point of 6 months without payment. Based on this statement, does it apply to my case? 
In this regard, XXXX XXXX XXXX/XXXX/XXXX has committed unfair, deceptive, or abusive acts or practices that have greatly impacted my credibility.
Consumer complaint received 2021-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (WA)

American Express has a history of discrimination towards people of XXXX and dont fix fraudulent issues with poor people of XXXX like myself Ive been a victim of fraud and I didnt apply for a Hilton honor credit card and my fraud case was denied due to payments were made and I didnt authorize these payments and I contacted my banks to issues a payment dispute and the bank returned the money back to me since it was fraud and American Express are not accepting my claim again I have filed a police report and send in the documents to them 4 fax numbers they gave me and each time I called them they lost them in transit and I would like for this account to be removed from my credit report I didnt apply for this card all the payments were reversed
Consumer complaint received 2020-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

After an unauthorized deduction from my bank account, I was advised to check my credit reports and after doing so, I found that Bank Of America was reporting my account as delinquent, closed and charged off. After doing some investigation I learned that I had been a victim of identity theft from the XXXX  data breach, in which all of my personal, financial and electronic data had been stolen. I received letters from The law offices of XXXX, XXXX XXXX XXXX attempting to collect an amount they claimed was due to Bank of America by me. A dispute letter was sent to both the law firm and Bank of America advising them of my identity being stolen and that I had been a victim of identity theft/fraud and asked them to validate the information they were claiming and to provide me with proof that I was responsible for the charges. I never received any of the documentation I requested. I filed an FTC report, police report, ID affidavit, contacted the credit bureaus The freeze my report due to the identity theft and advise them that I was disputing the Bank of America account listed on my credit report. My other credit card accounts also had an authorized and fraudulent charges. One of my credit card companies investigated and determined that the charges were fraudulent and advised me that I was not liable for the amount from the unauthorized fraudulent charges. I never received a response or any of the documentation validating the charges and proving my liability for the amount they claimed I owed. Now Im being sued with this law office paying the attorneys for the plaintiff Bank of America.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP (CA)

During XX/XX/year>, I received a letter in the mail from Laurel Road ( Key Bank, N.A. NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) saying that my recently opened ( XX/XX/year> ) checking account ( ending in XXXX ) was going to be closed within the next 5 business days. They also said that any remaining balance would be sent to the account statement address in the form of a check. Therefore, I waited a few weeks, but the check never arrived. My online access was removed, so I could not check any status easily. However, based on the latest account statement, I knew the account had a balance of {$790.00} dollars. 

I ended up calling the bank, and they confirmed on the initial call that I was going to receive the check soon, however, after a few weeks it did not arrive. I called again, and now the customer service rep told me they need to receive a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) so that the funds can be sent back to the original account where they came from, which would be also OK since that was the account of my husbands employer. Ive called Laurel Road multiple times, and they say they are still waiting for XXXX to respond to their letter, its been more than 4 months and the funds are still on hold. Laurel Road says they cant do anything until they receive a response from XXXX. Therefore, Ive asked them to provide more information about the letter or a copy of it, so I can follow up with XXXX, but they say they can provide that information. 

Ive also called XXXX to inquire about the letter and the status of the request, but they cant find anything, it makes it difficult for me to recover the funds since Laurel Road does not want to provide a case number or a copy of the letter.
Consumer complaint received 2020-01-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

Mailing subpoena request to courts in counties that I do not work or reside in. Mailing those same documents to companies I currently have accounts with, asking for release of personal information and records, including banking information. Printing my SSN on documents that are being mailed. Mailing uncertified letters as offical notice. Refusing to send original account information for the debt supposedly owed. Not able to be reached by phone. Attempting to take legal action on an account that's older than 7 years. 

I have tried contacting the collector, requested original documents associated with the alleged account, contacted the court for which documents were sent, and asked that all communication cease. I believe these actions violate the fair debt and collections act, and may also be fraudulent.
Consumer complaint received 2022-05-04
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. (MO)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX account # XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX ACCOUNT XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX file XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: MECHANICS BANK (IL)

IN ACCORDANCE WITH THE FAIR CREIDET REPORTING ACT XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATRS I HAVE THE RIGHT TO PRIVACY. 

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

15 USC 1666B : A CREDITOR MAT NOT TREAT A PAYMENT ON A CREIDET CARD OR LOAN ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I'm trying to get my credit score online and no lenders can access my file if I wanted to open a credit card. Equifax is the online credit reporter and I have called over 20 times to get help from them. They never help and they will not take me seriously. My credit score says XXXX  and lenders also can not access this. Equifax is horribly rude and always says the same thing - we will escalate your issue. It's been over a year with at least 20 calls to them for help.
Consumer complaint received 2017-09-16
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 AMERICA, NATIONAL ASSOCIATION (NY)

BANK OF AMERICA IS CHARGING ME XXXX FOR MERCHANDISE I NEVER RECIEVED OR PURCHASED FROM AN ALLEGED MERCHANT WHO PROVIDED FALSE AND BOGUS DOCUMENTATION TO BANK OF AMERICA. I NEVER PURCHASED OR RECIEVED ANY MERCHANDISE FROM THIS MERCHANT. BANK OF AMERICA HAS A PROPENSITY OF ENGAGING IN THIS ILLEGAL AND UNETHICAL BANKING PRACTICE.
Consumer complaint received 2021-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

On XXXX, I deposited a check with {$5600.00}. 
On XXXX, The check was returned by Chase due to lack of signature. 
On the same day, after I know the check was returned, I went to Chase branch at XXXX XXXX, VA and deposited the check in the ATM under the guidance of a staff. 
After that, Chase told me the as this is a duplicated check so they put a - {$5600.00} ( debit ) on my account and also told me the credit of this check will be available on XX/XX/24. 
Essentially, chase is rejecting my check deposit by putting a debit immediately and giving me the credit 10 days later. Eventually it will be nuetral but it holds my own money for 8 days by doing that, which come for no reason.
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

For more than 6 years I have a Freeze on my credit report and on XX/XX/2021 I placed a Fraud alert in all the credit report companies as well as banks. The Thief that stole my identity locked my XXXX, XXXX, amazon, XXXX email ; he or she changed all my two-way verifications and the recover a count information. He even used a debit card account ending in XXXX with XXXX to lock the account. I have reported all this activity and NEVER taught that the credit bureaus fraud alert, freeze alerts can be changed so easy by a Thief, but you all are giving me a hard time. In XXXX my wife and me were trying to log into the XXXX account and noticed all my info was changed and I was locked out of it. I was trying to make payments on all my credit cards, and I could not access them. I immediately contacted all the credit cards and mail them the prove they asked for to prove I am who I am in XX/XX/XXXX while I was at my daughters graduation my wife received an alert that my email information and 2-way verification as well as the recovery information was changed. The following information which is NOT MINE but has been used by the THIEF : email : XXXX, XXXX @ XXXX ( at XXXX ), XXXX ; the following phone numbers are being used : XXXX, XXXX, XXXX ; the following mailing address has been used ; XXXX XXXX XXXX XXXX XXXX , Tx XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX. I have NEVER lived in XXXX XXXX, Texas. Last thing they did is they charged {$3.00}, XXXX at Amazon and used my bank account that was on XX/XX/2021. I have NEVER bought more than {$200.00} at once in Amazon in my life. I have been trying to close XXXX, amazon, XXXX and the companies said they must investigate first in the meantime the Thief is having a party at my expense. I just noticed you all have unfrozen my credit, took away the fraud alerts and I HAVE NOT AUTHORIZED any of this!!! I was trying to change my email address when I noticed I can not do so because the THIEF has changed everything to his/her information. NICE!!! Today I received a letter that I am responsible for {$3100.00} of goods from Amazon that I NEVER ordered or received and which I reported immediately that my identity was stolen. Even worst I have called numerous times to Synchrony Bank and proved my identity over and over ( my address ) the thief call and changes my address again and again. Whoever knows someone at XXXX XXXX XXXX in XXXX XXXX, Texas XXXX, please report the people to the police as they are THIEVES!
Consumer complaint received 2022-05-04
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. (OH)

I requested the original contract for validation for the fraudulent account from the bureau. I sent in a letter and an FTC report just like the bureau requested but I still havent received validation or the original contract. This account is still on my report and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.
Consumer complaint received 2022-05-04
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. (VA)

formal complaint that credit bureaus reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate in accordance with FCRA 15 USC 1681, section 602 ; 15 USC 1681, section 604A, section 2 and 15 USC, 1666 ( b )
Consumer complaint received 2022-06-13
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Dept Of EDXXXX Account XXXX 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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (ID)

Received phone call at my personal cell phone number, saying the call was for me, and it was to resolve the debt of a third party and they needed my help getting in touch with the third party. I attempted to contact them to tell them not to contact me again but received no response and blocked the number.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

RE : Experian I had placed a credit freeze on my account. I need to lift it to apply for a loan and a credit card. I was unable to do so through their web portal. It said that I needed to send them copies of driver 's license, social security card and other ID via mail to get the freeze temporarily lifted, which I did. I did not hear from them but on the portal it showed the freeze lifted. However, the banks I applied to said the freeze is still there. I call at least 8 different numbers for the company and all of them roll into an autobot system that makes you enter a lot of information and then eventually hangs up on you. You can not get to talk to a human. Now I can't get a credit card or a loan. I may sue. for damages.
Consumer complaint received 2021-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I enrolled in autopayment for my BoA credit card but was charged interest on my credit card balance. I talked to a BoA representative to set up the autopay feature, which I intended to use to avoid interest and fees, but I was mislead by the agent 's instructions and deceptive enrollment process and it was set up to only pay the minimum amount due, resulting in interest charges. After dealing with unending COVID-related XXXX circumstances, I am requesting the charges totaling {$390.00}, be waived as a courtesy.