davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (FL)

I have been sending letters to all 3 credit bureaus including you about fraudulent accounts. No one hears me when I say delete these accounts off my credit report immediately. This is XXXX submitting this report. Im also uploading my personal information. Please accept. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i )
Consumer complaint received 2022-03-08
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. (GA)

On XX/XX/2021, I sent a letter requesting the removal of unauthorized inquiries on my report which I do not recognize. From XXXX, I didn't even receive a response concerning these inquiries at all nor were these inquiries removed which is damaging to my reputation and credit report. From the other two, they didn't do anything to remove them at all. This shows that our information can be requested and distributed without our permission. This isn't how it should be ... no privacy anymore.
Consumer complaint received 2018-09-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NY)

My loan servicer for my mortgage is DITECH. I requested a LOAN MODIFICATION application late XX/XX/2018. Never received it. I waited and waited and then in XXXX I called and talked to a REP. I told him I never received it and all he could say is that he would have to make a request to the main office to see if they would send me another one. He said they had 30 days to make their decision. HAVEN'T GOT IT YET. They constantly play games. My income is {$1500.00} a month and my mortgage payment is {$700.00} and they won't help me. Plus, I can not afford my property taxes. I get SOCIAL SECURITY and a Tiny Pension
Consumer complaint received 2019-04-23
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA") (MI)

Regarding : Personal data stored by NACA To Whom It May Concern : I am contacting you in the hope that you can assist in my efforts to secure my personal information being held in the database of The Neighborhood Assistance Corporation of America, ( NACA ). 
I had been working with The Neighborhood Assistance Corporation of America ( NACA ) starting in XX/XX/XXXX until XX/XX/XXXX of this year, trying to get their assistance with their XXXX XXXX XXXX  promise. After several unfruitful meetings where my service agent did not show up, promises of telephone consultations that were not fulfilled and lack of communication and follow-up, I decided to sever my connection with this organization and seek financing elsewhere. 

I have made several attempts to get my personal information removed from the database and website storage of The Neighborhood Assistance Corporation of America ( NACA ) including emails to the XXXX office manager. ( I had a web conversation with a service agent on XX/XX/XXXX as well, who said she would resolve this issue. ) While it appears that I may be able to delete some of my personal information myself, other data still shows in a format inaccessible to me. As of this date, my personal and financial information still appears when I log on to their web site, https : //www.naca.com/. ( Our NACA account # shows inactive, but is still valid to log into the website. ) I am hoping that you will have some avenue of contact and influence in this matter of securing and removing my personal data and financial information from this company. I am concerned, due to the manner in which they dealt with me, that my information might be vulnerable, or shared in an inappropriate manner. We have already had an issue with our credit reports due to the handling of our information and would like to prevent any future problems. 

Please let me know of you are able to help or if you know of another avenue we should pursue to achieve our goal.

Respectfully,
Consumer complaint received 2018-09-12
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 (MD)

A check was written to XXXX ( XXXX XXXX XXXX XXXX XXXX  ) for {$30.00} on XX/XX/2018, placed in an envelope and put in our mailbox. Apparently the envelope was stolen from our mailbox and the check was modified with the payee of " XXXX XXXX XXXX '' and the amount was changed to {$3500.00}. The check was cashed on XX/XX/2018 against our XXXX XXXX XXXX ( XXXX ) checking account to a payee account at the Bank of America ( BOA ). The check image is attached. We filed a police report on XX/XX/2018 and submitted an affidavit ( attached ) documenting the fraud to XXXX. XXXX   filed a report to BOA on XX/XX/2018. BOA responded ( attached ) denying the claim on XX/XX/2018 claiming the signature was modified which it was not. We have been in contact with XXXX   several times concerning the matter. This matter has dragged on for over 4 months and I am in doubt whether we will ever see the funds despite assurances from XXXX.
Consumer complaint received 2018-04-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

My complaint is that Bank of America has decided to stop lending to firearms companies that make XXXX firearms. I have a large account with XXXX XXXX and plan on moving all of my money if Bank of America do not rescind their policy.
Consumer complaint received 2023-03-17
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. (TX)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX 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 2019-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Using Toyota Financing 's automated phone system, I made my monthly payment. I received a confirmation number. 
30 days later, I get call from 'toyota collection ' - you are late. There is now a late fee. Pay. 
I explain I made payment on their system and I provide my confirmation #. 
I ask, how can i have a late fee? 
I ask, why no one told me payment did not go through ( I have learned that basically the confirmation # I get/got from Toyota is  useless ). 
Finally -- - the system there is no way i can be notified if a payment fails ... ... only If i pay using their online system ... .then I would get such a notification but If i use their phone system ... ..no notice. and you get a late fee.
Consumer complaint received 2022-07-08
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: EQUIFAX, INC. (GA)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the Inaccurate information, inquiries and accounts that needs to be removed in my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXBalance : {$520.00} ; XXXX XXXX XXXX Balance XXXX {$600.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

The Fair Credit Reporting Act ( FCRA ) mandates that all information contained in credit agency reports be checked for accuracy. I have requested that they verify a bankruptcy that is shown in my credit file as well as the source that is providing the information about the bankruptcy. I requested this over 90 days ago via USPS and have yet to receive a response.
Consumer complaint received 2019-03-29
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. (IL)

I request that you initiate an investigation into XXXX XXXX Date inquiry XXXX XXXX XXXX XXXX Date inquiry XXXX XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX  Date inquiry XXXX XXXX Date inquiry XXXX XXXX XXXX XXXX Date inquiry XXXX these inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report at the address listed above.
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I was writing to inform you that there are still items are my credit report that are not mine XXXX, US Dep ED and XXXX XXXX. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . I'm doing this on my own behalf.
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

My name is XXXX XXXX. 

I purchased two roundtrip flights through Amex Travel with departure date of XX/XX/2022 and return date of XX/XX/2022. 

The flight was from XXXX to XXXX XXXX with a layover in XXXX. We get on the plane on the XXXX XXXX  XXXX and landed in XXXX where our flight was canceled. So we had to get a hotel and wait for the next morning to get on the flight we were rebooked too. That flight was canceled and subsequently the next 4 flights we were rebooked too. We never ended up getting to go to XXXX XXXX. We got stuck in the XXXX airport until the XXXX where they finally were able to get us a ticket back to XXXX. 

All I have been trying to do since XX/XX/XXXX is get my refund for the tickets I purchased that I could not go too. I am going to look pass the countless XXXX I had to take back and forth from the hotel and airport due to the airlines canceling the flight each time 10 mins prior to the flight flying out. 

I have been calling Amex for the pass month trying to resolve this they keep putting me on hold, transferring me to someone else, they put me on hold, transfer me to someone else and then eventually I get stuck on hold with no one returning to the phone and I have to repeat the whole process. I have this feeling they are doing it on purpose. 

They are wasting my time, stealing my money, and not trying to reconcile the issue.
Consumer complaint received 2018-12-20
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: NAVY FEDERAL CREDIT UNION (WI)

I sent a certified letter to all three credit bureaus, to have an investigation done about this hard inquiry from navy federal credit union on XX/XX/18. It's been well I've r99 days and I've heard nothing yet. Which violated the FCRA, law that credit bureaus must report accurate information and respond to consumers within a timely manner. This hard inquiry has caused a great hardship on my life i've been denied home loans and credit and my credit scores dropped drastically because of it.
Consumer complaint received 2021-06-01
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. (NV)

1.XXXX  balance is incorrect and I have never paid late 2XXXX 's XXXX was added to my credit report in error this is not my account XXXX XXXX was added to my credit report in error this is not my account These items along with others have been disputed with the credit bureaus and still show on my credit report
Consumer complaint received 2021-06-09
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)

Several years ago a credit card was opened in my name with us bank. I filed a police report and a ftc report and submitted it to all 3 credit bureaus. The all removed the credit card. Recently it popped up on my credit again and I disuted it and the refuse to remove it, when all 3 removed it before. This is ridiculous
Consumer complaint received 2018-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I went to chase bank in person to check out a company before I sent a wire transfer for {$6500.00} onXX/XX/18.. I asked bank mgr. vp XXXX XXXX, I asked specifically If XXXX   has any red flags associated with it, she typed into her computer & said no it all looks good, no red flags ... .So I figured if the bank found no red flags, no scams associated with XXXX , I would go ahead with money wire, which I did..my husband XXXX also called me when I was in the office with the VP, I repeated no red flags with XXXX XXXX, it's a go, we are doing transfer now.The money was supposed to go into an escrow account till delivery of RV, on tracking # said 5 day delivery, which I would have 5 days after delivery to inspect before funds were to be released. It was complete fraud, which we found out on sunday nite XX/XX/XXXX18 We immediately called the police & the bank next..about XXXX ... Bank said they could not do anything till XXXX call back then, which I did, said they would text XXXX XXXX for a retrival, no avail.money was taken out right away, account still open.
Consumer complaint received 2018-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

XX/XX/2018 started with Commonwealth placing accounts on my credit report. Upon pulling my report I've noticed charges that don't belong to me. Commonwealth has had over 30 to 45 days to produce documentation Validating that these accounts are mine. And they have not instead theykeep sending me bills. Which is not validating the accounts as being mine. This has been since XX/XX/XXXX and it's now XX/XX/XXXX and its still reporting on my credit report. I contacted XXXX   asking for documentation as well and they have nothing. Just stating that Commonwealth says it's my acct and they can not provide me with information of documentation files they have. XXXX has nothing and states they have nothing. So I'm demanding these accounts be removed for my credit report and not place back on there. This is against the law to place inaccurate items on a consumer credit report without proper validation that the accounts are yours. A Bill is not  documentation and it has been Over the validation deadline. It been months and I want it deleted immediately.
Consumer complaint received 2022-07-08
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. (GA)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the Inaccurate information, inquiries and accounts that needs to be removed in my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXBalance : {$520.00} ; XXXX XXXX XXXX Balance XXXX {$600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am being violated by Experian as they are reporting information on my consumer report not in accordance with my written instructions infringing upon my rights as a consumer pursuant to 15 USC 1681. I have sent them an affidavit of truth stating the issues and how to immediately remedy the situation. I have received no response.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX of social XXXX Last year I was a victim of idenity theft, XXXX, since then I have been trying to clear my credit report some issues have been take care of, but other they will not provide me with and supporting document that its my account. I have asked that they provide me with supporting documents. Never get anything back. I have written 4 letters to the 3 bureau to dispute those errors I have sent them the police report I filled and documents. I havent received nothing. All 3 credit agencies have I have disputed the highlighted accounts below. Stating that they were not mine, and they are still on my report. The XXXX XXXX  below I called them and they said that is was another company. Here is the letter I wrote down when I called them. 
XXXX date is XXXX Talked to this XXXX they told me that clear path lending pulled my credit report. I told them I did not authorized it. Now this is XXXX I talked to. So I got the number for clear path lending, phone XXXX left message to call me, waited 5 days no call back today I called and a person answered and told me that he did nothing for clear path lending. He gave me another number XXXX name is XXXX left message to call me going to wait 5 days to see if he calls. No call back. 
XXXX XXXX  is the same company as XXXX below, and clear path lending. 

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 Revolving Credit Accounts and account number XXXX XXXX  Installment Credit Accounts XXXX XXXX Derogatory Information XXXX XXXXXXXX XXXX XXXX These Accounts are not mine no supporting documents XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX Inquires XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Installment Credit Accounts XXXX XXXX Derogatory Information XXXX  XXXX XXXX XXXX. These accounts are not mine never provided me supporting documents. 

Transunion XXXX Personal Information XXXX XXXX XXXX XXXX XXXX mine XXXX XXXX XXXXXXXX Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are not mine no supporting documents I have all the letters I sent the 3 bureau and police reports XXXX 

Transunion you can not get you credit score unless you pay for it. Why is that, the other 2 credit bureau you can go online and see you score.