davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

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 XXXX ; Account number 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 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 2017-08-07
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)

This is an error. It does not belong to me. XXXX XXXX In Opened XXXX XXXX, 2016 It has already been removed from the other 2. I promise it does not belong to me.
Consumer complaint received 2023-01-31
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: Mortgage Research Center, LLC (HI)

On XXXX, Veterans United Home Loans pulled a hard inquiry on my credit report without my consent. I didn't complete the application on their website on XXXX because they don't provide soft inquiries on credit report for pre-screening but they still pulled a hard inquiry two days later without authorization.
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2020 we refinanced our home mortgage.The new mortgage company paid off the previous mortgage with Bank of America on XX/XX/XXXX. We have not received the $ XXXX balance refund from our BofA escrow account. I have called numerous times and waited on hold for approximately 7 hours in total. The last person I spoke with said they had mailed the check  on XXXX XXXX. We have not received it. I asked if the money could be sent to our Bank of America checking account instead but was told it had to be a mailed check. Our mail has been unreliable lately and it seems we will never get the money we are owed. Bank of America does not return calls they promise to return nor have they responded to the emails I have sent through their online site other than to say someone will be back in touch within a few days. They never are. I tried to set up an appointment to go into a branch or have someone to call me but their system will not allow me to make either type of appointment.
Consumer complaint received 2017-09-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

My loan has been sold to another mortgage company and the balance does n't reflect my payment history. When i got a loan modification they did n't roll missed payments into the balance of the loan the kept them separate and charged me interest on them, when they should have rolled any outstanding amount in to the loan durning the modification. So basically my loan balance has n't changed because of what they have done.
Consumer complaint received 2021-09-15
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: Experian Information Solutions Inc. (NC)

Experian Impossible to log into my credit report. Experian has permanently and irrevocably locked me out of logging into my own credit report because I mistakenly entered the wrong password three times. Experian offers no relief whatsoever and has no mechanism or process to allow me to log back in.
Consumer complaint received 2016-01-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Quality Asset Recovery LLC (NJ)

My fianc at the time, XXXX XXXX had a co pay to resolve, we were sending payments each month until one day it was sent to collections for some reason, we were unaware that it was sent to collections until I had spoken with someone from QAR Collections named XXXX who informed me that my fiances Doctor submitted this to collections, XXXX was supposed to call me back with a payment arrangement but never heard from her until I opened up a bill asking for full payment. This collection has my name on it and I 'd like to know why they have listed me when this was not my debt, I 'm very disappointed and this is the only attempt they have made. I also do not like how they are threatening us in this letter and I wo n't tolerate it. We will pay this but their terrible collection practices need to be looked into
Consumer complaint received 2016-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P. (TX)

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.
Consumer complaint received 2021-08-11
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: EQUIFAX, INC. (PA)

I sent a letter about inaccurate and false reporting items on my credit report on XX/XX/2021. It has been over 60 days an I haven't received a response to date. I feel as though I am being taken advantage of and my disputes are being ignored. Section 611A clearly states that a failure to completely investigate these items within 30 days constitutes immediate removal. It has been over 45 days, and I am requesting these items be removed from my credit report immediately. I am prepared to file for litigation do to the XXXX  you have caused me over this situation. In addition, my information was impacted by the Equifax data breach and may have gotten into the hands of the wrong people.
Consumer complaint received 2020-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NV)

I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$290.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NJ)

This complaint is specific to the reporting, this Data Furnisher is supplying and then, within the controls define in XXXX - and, in concert with FCRA and the FDCPA. Complains have been file with the CRA 's to no avail - so, we are here and in full concert with FCRA and the FDCPA. 

I am a bit of a techie - so I care about DATA and then its reporting, and in line with XXXX and its ruling Life - happens, but when it does - all I ask is that whoever can say - gets it correct. 

For all that that is worth - Barclays is governed by its report, its accuracy and as a DATA FURNISHER in and under FCRA and FDCPA. 

Your tradeline - is incomplete and inaccurate. 

I use the example of your kid coming home with a report card - where the name is incomplete - the scores are a bit washy, and then the semester details are not even present. 

This is across the CRA 's - the attachment is from XXXX, but - XXXX, XXXX  and XXXX are in this scope - as is any entity that you as a DATA FURNISHER send your data - and about me. 

The request is simplistic - please fix this tradeline so that it is inline with mandates - or, delete it. 

In any - ANY tech world - comments are never used to store/program/calculate - when there are intended fields to store and demonstrate its intended usage - the same is true for your testing and your methodology of validation and verification. 

Understanding that -- - here are your reporting issues, mind you - this account is actually closed/charged off 1. Account numbers are NULL ( BLANK ) 2. Description of the ACCOUNT - is " BARCLAYS BANK DELAWARE ( CLOSED ) '' 3. There is NO " CLOSED DATE '' - its NULL and as a result 4. AVAILABLE CREDIT is = Credit Limit 5. DEBT TO CREDIT RATIO - is calculated on your erroneous data 6. PAY/BAL/RAT - details are inaccurate and incomplete 7. XXXX is unnatural - and impossible 8. No TERMS exist with a CLOSED account 9. Your CHARGE off <> Amount Past DUE 10. DATE OF LAST ACTIVITY =? 
11. DOFD/FCRA date doesn't and can not be validated and based on your reporting 12. Tech standards DO _ NOT use comments to calculate and as part of algorithms.. 
13. Creditor Classification is UNKNOWN - even when you know what you are See the attachment - this complaint is across all CRA 's. 

The request is simplistic - please fix this tradeline so that it is inline with mandates - or, delete it.
Consumer complaint received 2018-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Im writing to complain about Bank of America credit card company. I am a card holder with Bank of America specifically XXXX XXXX Mastercard. On XX/XX/2018 and XX/XX/2018 had unauthorized charges totally over 8k. My XXXX  child snuck my credit card and wrote down the information on a piece of paper and began to charge over 30 times to a fraudulant company with out my authorization. At one point the credit card transaction exceeded beyond the credit limit by about 2k. Yet Bank of America continued to let these charges go through with out putting a fraud alert and stop to further use of access. On XX/XX/2018 when i noticed the unauthorized charges I immediately contacted the Bank of America fraud department while the the charges were still pending. I explained that I did not authorize these charges and the situation. Some but not all the unauthorized transactions were disputed and was given a credit of {$6600.00}. I called back the next day to inform them they did not include all the charges. They said they would and it never happened. I get a phone call from a fraud representative on XX/XX/2018 stating that my fraud investigation would be closed and all the credits applied would be reinstated. I asked why the representive told me because it was someone I knew and my own child that it was not fraud. I explained that i read my terms and condtions of my credit card and have a {$0.00} dollar liability towards any unauthorized transactions. The representative then hung up on me. I called back to speak with another representive about the situation and explained I thoroughly reads my terms and conditions of my credit contract and that my {$0.00} dollar unauthorized transaction does not exclude anyone including minor children or whom i know. I did not give authorazition for any of the transactions and that Bank of America was violating my terms and conditions of our credit card agreement. The federal trade commission anda states I am not liable for any unauthorized transactions and it does not exclude anyone. I reported the activity in a timely matter. I also explained that as a card holder i have very limited history of spending period and that based on the excessive charges and amounts to the same merchant and within a very small window time frame to include going over the limit which I never have, they should have protected my account security and done something to prevent this to where it wasnt exacerbated to this extent. As of XX/XX/2018 my fraud claim is closed. I have been charged back the unauthorized charges and Bank of America has not written me a letter of explanation. Although it says in the message center to see attached letter there is none. My account has always been in good standing and being over the limit on my credit card negatively affects my credit score and rating. Once again i did not authorize the charges.
Consumer complaint received 2017-08-21
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. (GA)

I contacted Experian on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, X/2017, X/2017, X/2017 and X/2017. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : XXXX XXXX XXXX XXXX, XXXX XXXX collection account, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG MORTGAGE, INC (TX)

The company is refusing to provide a Loan Estimate, despite providing them all of the information that is required per TILA-RESPA guidelines. 

The company has stated that they will not provide a Loan Estimate unless I lock in a loan with them.
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Citifinancial/Citibank Credit Cards During Covid Pandemic I wanted to lower my credit card balances on Credit Cards to improve my credit scores and utilization I paid a significant amount to my credit cards. I wanted to benefit from improved credit scores and refinance my house Citibank instead of allowing me to see the benefits of on time and lowering balances proceeded to reduce my credit limit and increase my credit card utilization which in turn impacts my credit scores. 

I requested Citibank to return my previous limits. They refused. I asked if I had chosen to repay another creditor would they have had to keep my higher limits. They confirmed they would have had no choice to keep my limits. I was penalized for repaying the wrong creditor to try and improve my score
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2020-09-01
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. (OH)

Notice for Proof of Claim for Accounts. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expresslyauthorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. The following items are inaccurate : 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.The following address and phone numbers are not associated with me either. I have never used these numbers or lived at the address listed. XXXX XXXX XXXX, XXXX, OH XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (IN)

So to begin, I noticed I was having issues with my internet service. My signal kept disconnecting and my bill kept rising. It was becoming out of control. Still I had no idea what was to happen next. After the incident with my internet my devices in my home would go in and out, showing signs of high jacking, from freezing out of nowhere to completely moving slow, or no connection at all. Next, I felt like I was being watched and the only thing in my house that someone could gain access to like that is my security system which is placed in different areas of the house, soon after that I would try to apply for a new phone or a car and got denied. They let me know I had too many hard inquiries, my credit was shot, and I always had services but didnt pay. I denied against these allegations but I had no proof. The last straw to let me know something was wrong, was XXXX day I was just minding my business and I kept getting constant scam, telemarketing, and dropped calls. I immediately knew in that moment I was a victim of identity theft. I had money missing and stolen from inheritance to my taxes. Even my old jobs income wasnt matching with my pay stubs. Im devastated at this point. I cant get any loans to even try to build myself back up. No phone, and not even a car. Im just out of options.
Consumer complaint received 2023-01-31
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. (FL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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 XXXX XXXX
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

this is the second Time that I've been a Vitim of identity theft I've made a police report a while back ago now this pops up, with XXXX/ XXXX Account # XXXX for the Amount of XXXX this account is fraud I did not give any consent or did I authorize this account This Account is due to fraud
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

this is the second Time that I've been a Vitim of identity theft I've made a police report a while back ago now this pops up, with XXXX/ XXXX Account # XXXX for the Amount of XXXX this account is fraud I did not give any consent or did I authorize this account This Account is due to fraud
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

The company fails to respond to my written request for validation of the alleged debt. The amount is reporting in correct and it is reporting as a negative when the account should be closed. They have failed to provide me proof of the debt bearing my signature etc. Under the law they are to delete if validation can not be provided.