davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-22
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: Army and Air Force Exchange Service (CA)

I disputed the charges listed below, as I did not make them. I believe I was the target of a identity thief. I went through a similar situation with a different account of mine around the time of the purchases listed below. I had not used the account since XX/XX/XXXX and did not notice it was in use until I checked my Credit report on XX/XX/XXXX ( the date I submitted the first time I filed for these charges ) and saw the Balance. When I logged on to the account I saw that my account information had been changed and I updated it immediately. I ve attached images of the Information that was on the account, you will be able to tell that am not associated with any of the Information on those images. 

Date Description Reference # Location Amount : XXXX XX/XX/XXXX Charge XXXX XXXX {$4700.00} XXXX XX/XX/XXXX Charge XXXX XXXX {$1500.00} XXXX XX/XX/XXXX Charge XXXX XXXX {$350.00} The last transaction I made on this account was to pay it off on : Date Description Location Amount : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Payment - {$810.00} -I was held liable on XX/XX/XXXX & XX/XX/XXXX. The representative I spoke with told me the reason I was held liable was because the items were ordered online and picked up on base. She repeatedly cited the company 's policy of checking IDs before Items can be released as the reason I was liable. I asked if there was a way to show that it was my ID that was logged or recorded, she would not give me an answer but kept citing company policy. 

-Through my own inquiries made with the loss prevention department at the XXXX XXXX ( the location the items were released ) I found out a female that is not associated with me calling from a number that is not associated with my account or me, called 7 times about the purchases in the time between the items where ordered online and picked up from the store. I was never alerted or informed about this by XXXX. Also I was informed that no request for security footage was made during the time of the investigation. Also I was told that the exchange in question had fired employees around that time for fraudulent activities and theft. 

-I was able to find out that my account was not showing the exact date and time in which the items were picked up, which is an abnormality. 

-I made repeated attempts to escalate my claim but the I found the same person handled my case both times I submitted. 

-After I was held accountable I made repeated requests to be sent all the Information regarding my claim and decision but the information was never sent me nor were my emails responded too. 

-I also inquired about further escalation after I was given a " final closure letter '' and was told there was nothing I could do
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2022-09-27
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. (MA)

XXXX, XXXX, and Transunion are all reporting fraudulent accounts on my credit report. these need to be removed immediately. I have attached the copy of the police report for fraudulent accounts on my report. there are two accounts showing with the creditor being XXXX XXXX XXXX XXXX XXXX there are two accounts with the same balance which is {$310.00} each. One of the accounts is reporting from XX/XX/XXXX, and the other is reporting from XX/XX/XXXX. Please have all bureaus remove these accounts from my credit report immediately. thank you.
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NV)

Synchrony Bank, has no email address or phone # Listed, has been reporting Me as I am deceased. XXXX XXXX!! 
Lowe 's XX/XX/2022 Lowe 's Cancelled my application because I am DEAD, Ha!
Consumer complaint received 2022-12-06
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (OH)

I refinanced my home with my credit union, the title agency sent payment check XXXX  over night to Quicken loans, they did not cash the check, then listed a 30 day slow pay with all three credit reporting agencies, witched drop my credit score almost 100 points, I am over 20 e-mail deep with quicken, and phone calls, the title agency has provided proof of the payment that was sent XXXX, with shipping number and dates it was received at quicken, and the final pay of was received be EFT, they acknowledged the pay off but wont remove the 30 day slow pay from our credit reports! 

they just constantly push back making me jump through many process and never yet removing the 30 day slow pay that they received and did not cash.
Consumer complaint received 2019-10-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (IN)

I opened a checking and savings account on XX/XX/19 with a promo that totaled {$500.00} for meeting some terms which included switching my direct deposit and having a minimum of {$10000.00} in the account. I have met all of the requirements and have not seen the bonus. I have reached out to BMO but only received back a generic response.
Consumer complaint received 2024-03-07
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. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-12
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)

I disputed in XXXX unauthorized inquiries and multiple accounts that are not mine and several others that I was never late on. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I got signature loans with XXXX XXXX XXXX between XXXX - XXXX. I paid all of them on time in full. The last on either my ex husbands responsibility. These accounts are in good standing but they aren't helping my credit score. I have wrote 3 or 4 letters asking them to remove all accounts from all 3 credit bureaus but they yet to be removed. They are way over Statue of limitations limit. I don't understand why they won't delete them.
Consumer complaint received 2020-12-19
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)

On XXXX I submitted a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2016-01-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America ( BofA ) has charged more than {$1000.00} in overdraft fees over the past two and half years, at {$35.00} each. This was on my business account, which usually has a large amount of transactions and I did n't realize it until today. 
After reading the law I discovered that I was supposed to have had the option to " opt-in '' and that a default opt-in was not allowed. 
I contacted XXXX XXXX at BofA and he stated that there had been no wrong doing on the part of BofA, I was able to get XXXX XXXX to request that I opt-out but I was told the process takes 5-7 days for approval and that I would now be charged a Return Item fee of, {$35.00} for each item rejected. 
What started my research are the transactions that occurred overnight between XX/XX/XXXX and XX/XX/2016. 
At XXXX on XX/XX/XXXX I checked my account on my mobile device and it said I had {$49.00} in the bank and I went to the grocery store and spent {$46.00}. When I woke up in the morning I noticed that I had been charged {$70.00} in overdraft fees. I was shocked, because I had a positive balance of {$160.00}. This was after a deposit that occurred overnight of {$250.00}. When I talked to BofA they told me that the available amount reflected on my mobile device did not include processing transactions, and in my account history it shows that my balance was really {$37.00} at the time of the purchase and a XXXX draft came through for {$9.00} that caused the XXXX overdraft fee. 
This seems very deceitful.
Consumer complaint received 2022-01-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Marlette Funding, LLC (AZ)

Best Egg has continued communication in regards to the alleged debt after I gave notice that they cease and desist all communications with me in regards to the alleged debt pursuant to 15 USC 1692c ( c ). Best Egg has also failed to proved adequate documentation as request pursuant to 15 USC 1692g so that I can exercise my right as a consumer and accurately validate my obligation to the alleged debt, all I have received from Best Egg is copies of a loan agreement. I still have no information on who the original creditor is, there address and where the credit originated from. Pursuant to 15 USC 1681n ( a ) and 15 USC 1681o ( a ) Best Egg is noncompliant to my request to accurately validate my obligation to the alleged
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-03
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$500.00}
Consumer complaint received 2022-04-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX/ {$29000.00} / XX/XX/2022
Consumer complaint received 2021-05-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (CA)

money is put on my card every month thru social security they froze my account. 
They asked me to send documents to unfreeze my account. 
I sent every document they asked for at least 20 times they keep giving me the run around won't let me speak to a supervisor and hang up on me after waiting hours on hold. 
this is the first action
Consumer complaint received 2023-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NV)

I've reach out to the original creditors with no resolution. I had demanded that the inaccurate information to be removed and blocked from my credit report. this information has obscurities, has errors & omissions I requested for augmentation of the record, this is defamation of character and it's injuring me financially. I've spotted many red flags regarding this matter such as : No consistency - Different staff or salespeople are telling you different things. 

Wont put it in writing- No one will give you clear information in writing, even when you ask for i I demanded the direct verification, and validation all data for this account, every notation, dates and balances, whether reported or not. I demanded proof as per Public Law No. 91-508 ( FCRA sec 605, 609, and 623 ). and to please verify and validate all data for this account, on top of it, if this is a collection account and the collector need to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. I do not recognize any of the charges on the account nor the account itself, it does not belong to me, I purge myself and my person ( s ) from any and all assigns for account listed herein, so be it, and I have yet to receive any proof or verification. their silence is acquiescence.
Consumer complaint received 2019-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

A collection was listed on my credit report from Fair Collections and Out on XX/XX/2019. This company did not send me a dunning letter or any type of communication to give me an opportunity to dispute the validity of this so called debt. The amount listed does not coincide with any amounts that I may owe.
Consumer complaint received 2022-04-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

Two debt collection agencies XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX, XXXX, NY XXXX ) and Collection Bureau Hudson ValleXXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) keep putting repeated derogatory information for the same accounts on my credit report that is not mine. I have disputed them multiple times through the credit agencies and had them removed but they keep putting them back on my credit report every year. This is for an address that I have never lived at, but using my social security number. 

I attempted to contact XXXX XXXX XXXX to notify them of this. They told me I had to provide multiple pieces of personal information including photocopies of my driver 's license, my social security card, a W2 showing my address which I am not comfortable providing ( nor should I have to ) a private company to resolve an issue such as this. I don't understand why there is no communication between the credit agencies ( XXXX, XXXX, XXXX ) and these collection agencies to verify that the same negative information is being places on the credit report for the wrong person.
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

I reached out to Discover Card to get this sorted. Essentially, I set up a payment arrangement with them back in early 2020 because I experienced financial hardship due to the COVID-19 pandemic. I was able to set up the arrangement only after being advised that I could only be eligible if the account was behind. The account is now current but the late fees are bringing down my score. Per SEC 4021 of the CARES Act, these late fees should be updated on my credit report for all 3 agencies. This has yet to happen.
Consumer complaint received 2021-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (SC)

Pro collect is the collection company and for the last five years I have been disputing and resending over proofs that this is not my apartment. Today I spoke with a few managers one female name XXXX and one make I forgot his name and they both were extremely unprofessional. They told me they dont care about what I say I owe for this debt and I will pay it and that I am a liar even though I provided them proof. They screamed and hollered at me as if I was one of their children and yes I did return the total disrespect after calmly trying to resolve the issue. The line is recorded so you all can request the call from Wednesday XX/XX/2021 starting at XXXX XXXX  and the last call and rude encounters being at XXXX XXXX eastern time for proof of them admitting I do not owe the balance they are providing on my credit report and they they are initially depriving my children and I of a decent place to stay. The amount Im fraudulently being accused of {$5500.00}.