davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MoneyLion Inc. (FL)

MONEYLION INC is in clear violation of the law, under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) 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. 

I have not given this person any written instruction to furnish this information on my report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This agency is in violation of 15 USC 1681.
Consumer complaint received 2022-04-14
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. (IL)

accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-14
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. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX  Original creditor : 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 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

on XX/XX/2023 XXXX removed an inquiry ( XXXX XXXX ) because they could not find any evidence that this inquiry belongs to me and because XXXX XXXX did not respond to my dispute in a timely matter. I sent a letter to Equifax that they received on XX/XX/2023 asking them to remove the inquiry because according to the FCRA since XXXX removed it they must remove it as well. Equifax claims that their investigation shows that the inquiry is factual. This is FALSE. Equifax has failed to do a proper investigation and is violation of my FCRA rights.
Consumer complaint received 2022-04-14
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. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX Original creditor : 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 2017-08-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BB&T CORPORATION (FL)

My transaction history is completely different than my account history I 've spoken to them there third-party costumer service tells me im lying that that ca n't be I asked them to check they said no I 've went too threw separate branches have been told people would call me back nobody calls back they call the people who can see the account they say I ca n't read my account they tell them no he 's reading it rite then they say we should do a balance check and they refuse
Consumer complaint received 2017-08-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was astonished once I looked at my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, my name is XXXX XXXX, I'm reaching out in hopes to get help with a situation I am going through with Bank of America. I fought back and forth with unemployment for 3 months to collect my funds when I finally was approved and the direct deposit hit {$5000.00} was transferred to an unknown account this was on XX/XX/XXXX I reported it to the claims department and they refunded my money and sent me a new card with a chip in it I received the refund on XX/XX/XXXX and then on XX/XX/XXXX an ACH withdrawal was transferred my account again in the amount of {$3500.00} I then call and submitted another claim and questioned how did this happen again when they made me go through different measures of security when it happened the first time. So now BOA is denying my claim and they said that they would send me the findings for their decision, they never did so I called them to inquire about it and they told me that the findings were no longer available because I requested a reconsideration so now the prior investigation has been wiped out and a new one started. I filed a police report I have also contacted XXXX  and BOA called me within 4 days of submitting the complaint and they left a phone number with an extension that does not connect you anywhere. They gave me a deadline of XX/XX/XXXX to submit further documentation but did not tell me in the message what it is they needed. So I submitted that complaint to BBB and they called me again I went to answer and the person hung up. When you go on the BOA complaint website you will find several people that they are doing this too. I need help retrieving my funds it has been a hardship on me and I can't seem to get through to them. I've called several times and first, they said I didn't have a claim now they said I had to submit a new claim which they declined now they are dragging their feet in showing me proof in their findings. If anyone could help me it would be greatly appreciated. 

My contact info is XXXX XXXX Thank you, Best Regards, XXXX XXXX
Consumer complaint received 2022-02-23
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. (MI)

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/year> I deposited 2 cashier checks into my Chase Checking account. Check # 1 in the amount of {$30000.00}. and check # 2 in the amount of {$4200.00}. As soon as they were deposited, they were put on hold. On XX/XX/year> the account was restricted and on XX/XX/year> the account was closed by Chase Bank. On XX/XX/year> I went into Chase Bank and spoke with the XXXX XXXX XXXX. I was told at this time the checks could not be verified and could be fraudulent. On XX/XX/year> I went into the Bank and spoke with XXXX who called and was transferred to the fraud and theft department. We both spoke to a gentleman by the name of XXXX who stated the account would be closed in 2 business days ( which was in progress ), my debit card was going to be canceled and they would send me 1 check for {$35000.00} in 10 business days through the mail with a letter stating how I can cash the check. XXXX refused to give me a confirmation number when I asked so he gave me an XXXX XXXX which is XXXX. I later learned that the check cleared. I've been to Chase Bank multiple times and XXXX the XXXX XXXX assists me. We called XXXX number. and they said I have to verify this person XXXX who sent me the checks. I have rented out my house and she has paid 1 year in advance. I've been told the tenant XXXX needs to make her phone public, so it is verifiable with her name. The only other option I have is for the tenant XXXX to go to XXXX XXXX and request the funds be recalled from Chase Bank into her XXXX  account. I've brought in my lease with the tenant, she has called XXXX and emailed her requesting to go into a Chase Branch to identify herself. I live in Florida and the house I am renting is in New Jersey. I've asked Chase to call or engage with XXXX XXXX. I have no recourse. I need help. I was told to have my tenant call her cell phone company and make her number public which she has. Also, I received a phone call from XXXX at Chase Bank from XXXX XXXX XXXX at XXXX who stated maybe I should have my tenant look at her Credit Karma and make sure it's not associated with another name. I have copies of the checks from Chase and XXXX proving the checks were cashed and Chase has the money which they are refusing to release to me. They have had this check for almost 2 months now. If there are any other documents you will need I will send them.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: John C. Heath, Attorney at Law, PLLC (IN)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 sec 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This has all cause a drastic drop in my score and unwanted hardship Im a time of need I deserve better I earned it no matter what the reporting is showing
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (CA)

Hi, my names is XXXX XXXX XXXX. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, my names is XXXX XXXX XXXX. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. ()

My name is XXXX XXXX XXXX and Im a XXXX citizen living in the XXXX. I had a checking and savings account with XXXX. I am currently living in XXXX. I was notified my account would be transferred to Citizens Bank. Since this transfer, I have not been able to access my account or my funds. I was on hold for over XXXX hours with. No answer. I hung up and tried later and was on hold for over an hour. Ive called numerous branches with no answer and Ive tried several times with online chat and Ive been told I need a XXXX based number now to access my account. My account with XXXX was opened while I was in the XXXX so I dont have a XXXX XXXX number. Ive been told in the chat that XXXX cant access my account without a XXXX number so my funds are unavailable to me. I have not received any information regarding my new account. I do have the new debit card, but it does not have the bank details on it and I have no PIN. I also cant download the app for my phone because its not available for people in the XXXX. Ive sent an email to them regarding this and the email has come back unreturned. Ive looked online and it appears people who are not based in the XXXX are having the same problem. XXXX concerned I wont be able to access my funds. Ive just finished with another chat and they are not allowing me access to my funds. Please help me with this.
Consumer complaint received 2022-04-14
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. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXXXXXX 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 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXXXXXX 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 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I have sent letters to the credit bureausmultiple times asking to have the incorrect addresses removed from my credit report as well as a fraudulent collection account and they have not responded to any of my letters. They have not updated my credit report either. I last sent a letter XX/XX/XXXX. I need help with getting this resolved.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MD)

On the XX/XX/2021 I made a transfer of {$25000.00} from my XXXX checkings to my Citibank checkings account ( the money was meant for an urgent Medical and business project purpose ) the money was made available in my Citibank XX/XX/2021 as I tried to access the money I was locked out of my online banking I called Citibank and they told me my account has been closed for no specific reason and also told me I would be sent a letter and a check of my balance with XXXX days this occurred around XX/XX/2021 and until now I have received nothing, I kept calling and they keep telling me there is nothing they can do .I strongly believe that I did nothing to deserve this treatment from Citibank I have XXXX a whole lot in my business and my health is also on the line .I feel intimidated and I need help seriously this issue is seriously affecting my life and Citibank are responsible for this .please help me!!
Consumer complaint received 2022-04-14
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: TRUIST FINANCIAL CORPORATION (FL)

BB & T is violating my rights as a consumer by furnishing information that is not accurate and don't have permission to furnish. They do not have permissible purpose pursuant to 15 USC 1681b. They are also displaying a charge off on a paid in full account. The account is paid in full, so it is impossible for it to be a charge off. This implies that BB & T maybe committing fraud because according to the IRS, in order for an account to have charge off status someone would have to file a 1099c. If that's the case, I didn't receive one from BB & T. This is a violation of 15 USC 1681 ( a ) ( 1 ) - Accuracy and Fairness of Credit Reporting. You are also in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) -Reporting information with actual knowledge of errors. I know this to be true because I've personally on two ( 2 ) occasions brought this to your company 's attention. Most recently I went to your XXXX XXXX XXXX and spoke with your Branch Leader XXXX XXXX ( XXXX # XXXX ) who spoke with your charge off department, and they confirmed the account is paid in full so this further proves your negligence. The comments and late days, derogatory status and other violations listed in my attachments and exhibits are also a violation pursuant to 15 USC 1681b, 15 USC 1692d, 15 USC 1681s-3 and others.

The late 30 and 60 days mark are among several violations one of which is 15 USC 1666b which states : A creditor may not treat a payment on a credit card account ( my social ) under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-07-11
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: JPMORGAN CHASE & CO. (VA)

I came to know about the Hard inquiry on my credit score from XXXX XXXX XXXX XXXX on XX/XX/2018. It is wrong information. 

Secondly, I found another wrong Hard inquiry on my credit score from Jpmcb card service dated XX/XX/2018. 

Kindly remove both wrong information and increase my credit score accordingly.
Consumer complaint received 2017-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLATINUM HOME MORTGAGE CORPORATION (CA)

About 2 months ago. My lender ran a payment early, causing an overdraft charge. 
I have submitted all the proof necessary At first I was denied to they thought I mailed in a check. 
But the payment was done over the phone it 's been about 2 months since the incident happen. 
When I call ask for a manager I get a voicemail. The overdraft charge was XXXX All I am asking for is a refund for XXXX
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

The Address listed below doesn't belong to me and I have Never lived at the address listed below. Please Delete it from my credit report once and for all! 
Unknown Address - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX