davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XX/XX/year> Dear Sir or Madam, I would like to make a formal complaint on the handling of my Bank of America account, number XXXX. The bank did not protect my money : On XX/XX/year>, I was the victim of a fraudulent and terrifying scam. My life and my family 's life was threatened by texts and by graphic photos. It was the scariest day of my life. 
I was in my XXXX  dorm alone when the scammers did this terrible crime. Scammers deposited bogus checks into my account totaling XXXX, and I believed that I owed them the money. My life was threatened if I didnt return it at once. I have sent pictures of these texts to Bank of America. I have yet to hear back. This is the first time I was a victim of a crime. 

Im extremely disappointed with Bank of Americas response that it was a self scam. 
I have had this account with Bank of America since I was XXXX XXXX XXXX, its a XXXX   account, and I feel as though it should have been more protected. Because of this scam, I am now overdrawn XXXX dollars. I dont work and my mom puts in a few XXXX a month so that I can have spending money. I dont have any recurring deposit from work coming into my account and do not have the money to bring the balance to XXXX. I didnt even know Bank of America would overdraw for hundreds of dollars like this, leaving me responsible. My acct is frozen now ( XXXX ). I dont want to ruin my credit in the future with this debt. I was the victim of a horrific crime as evident by all of these text messages. 

There are so many banks, my mom trusted Bank of America to protect my money and my brothers money who has an account there too.This is both of our first banking experiences, if that counts at all. 

Im XXXX, and would like to continue with Bank of America, but I want to know if profit is more important than relationships with customers. Im asking for you to please help with this matter, I was traumatized by the scammer and now a second time by Bank of America. 

I would like to make a formal complaint about the customer service from Bank of America and how a youth debit account does not have adequate protection against predators. 

Thank you very much, XXXX XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

PEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-13
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. (CA)

Experian failed to update my balance on account XXXX XXXX XXXX XXXX XXXX XXXX XXXX'. Account should reflect XXXX which I have provided the last bank statement as proof. I'll be providing this bank statement here aswell as proof.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

EXPERIAN EXPECT PEOPLE TO LOG IN PAY FOR PRODUCTS THEY GIVE A CREDIT SCORE THAT IS NOT WHAT MORTGAGE LENDERS HAVE. WHY THE DISHONESTY WHY TRY TO FRAUD US INTO THINKING OUR SCORE IS ONE NUMBER WHEN IT IS NOT THIS IS UNFAIR AND DISHONEST
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

On XX/XX/XXXX I wrote and asked Experian to update my XXXX information as there was inaccurate and outdated information being furnished. I have only been met with opposition. I checked my consumer report on XX/XX/XXXX and the outdated information has not been deleted. The XXXX states that information must be accurate and complete. I am just asking the consumer reporting agency to do their part in making sure my consumer file is complete and accurate. 

15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report!
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (NH)

I have received an invoice from XXXX XXXX XXXX XXXX dated XXXX and XX/XX/XXXX for {$290.00} Which I have no knowledge of any account with XXXX XXXX XXXX ( see attached ) on XX/XX/XXXX, I have received an alert from XXXX that my SSN is associated with different name ( see attached ) I have called XXXX XXXX XXXX, with no resoluation A collection agency has been reporting this to my credit report affecting my credit score Collection agency name is : SUNRISE CREDIT SERVICES XXXX XXXX XXXX XXXX, XXXX, NY XXXX I have filed identity theft report with Federal trade commission XXXX FTC ( see attached ) I have disputed this with XXXX I have filed a Local police report on XX/XX/XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I have submitted valid police reports a few times, disputing accounts on my Experian credit report that continues to report inaccurately as mine, and Experian refuses to remove these accounts even with valid police reports that my purse was lost and identity was stolen. Therefore, I am filing a complaint because I have a right to have my information reported accurately and only factual information. I never had an account from XXXX, never gave them my identification to open an account, and I would like the account removed from my credit file.
Consumer complaint received 2020-05-11
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: Experian Information Solutions Inc. (CA)

EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

XXXX Please Remove these Unauthorized Inquiries removed from my credit report. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Experian Please Remove these Unauthorized Inquiries removed from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

First, I DID NOT WITHDRAW MY FIRST COMPLAINT!!!! 

Second, I provided CFPB with the statement from the XXXX XXXX XXXX  showing that the account is and was not MINE! The account clearly shows that it belong to an individual by the name of XXXX XXXX. The fact that XXXX, want to withdrawl and lie to the submission of that fact is IMMATERIAL!!! The fact still stands that it belongs to someone else!!!
Consumer complaint received 2021-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC (GA)

I sent a letter to One Advantage LLC to dispute and my credit report has not being noted disputed by the consumer. One Advantage didn't herby the law of the FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

USPS tracking number XXXX XXXX XXXX XXXX XXXX Letter delivered on XX/XX/2021, XXXX XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

THis company experian has been the worst company by far to deal with. I can not reach them at all by phone. they refuse to properly investigate my disputes. I have sent in a letter AGAIN and have not heard from them in over XXXX days. They are incorrectly reporting this account XXXX that is negatively affecting my life greatly. Please help THEY REFUSE TO PROPERLY INVESTIGATE MY DISPUTES and are constantly delaying/not responding to me
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I reported this some time ago and even recently. TU seems to be making more errors than even XXXX does! That's saying something because XXXX is an error gaff machine that never fails to keep making errors. TU used to be better than all of these bureaus at correcting mistakes. Not anymore they're now the worst! Problems I've asked them to correct yet still remain in error as below that need to be fixed once and for all! Why is this complicated? I don't get it! Shame on them for not correcting their own errors! Frequent problem with this particular bureau! 

1. I do not work at XXXX and haven't for going on 4 yrs. It needs to be removed! They claim they removed it yet when I ran my report on XX/XX/XXXXit still appears! 

2. XXXX XXXX XXXX # XXXX - states I've disputed this account which I did not. It's in good standing, remove the false comments! I never disputed this account. 

3. XXXXXXXX XXXX XXXX # XXXX- Same as # 2 XXXX. XXXX XXXX XXXX # XXXX- Same as # 2
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (ID)

On XXXX XXXX, 2017 I attempted to contact Equifax via the following link to their website : https : //www.ai.equifax.com/? XXXX This website continously " times out '' and fails to load, thereby denying consumers access to correct their credit reports and dispute inaccuracies.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (OR)

Hello! 

My name is XXXX XXXX XXXX. I am writing to indicate that I have a social security number that is all mine and it is unique. My social security number is the only one I have and also it is the only one that I have ever used. 

Please strike all other social security numbers from my credit file. 
As I have only used one, which is mine, and I will continue to use only one mine for the rest of my entire life. 




YOURS TRULY, XXXX XXXX XXXX
Consumer complaint received 2021-06-21
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. (LA)

I've asked them to provide the original contract with my signature for validation of the debts and I have received nothing but stating the debts were valid. Nothing has been removed and it has caused tremendous damage to my overall credit score and is causing me to be homeless because I can't get approved for any houses or anything for that matter.
Consumer complaint received 2021-03-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved. On XX/XX/2021 I submitted a dispute with TransUnion and its been over 30 days and I havent heard anything back in regards to that dispute. This is unacceptable.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : EXPERIAN BUSINESS CREDIT. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-01-13
Product: Credit 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: Avant Holding Company, Inc. (TX)

Ive contacted Avant over 5 times, when I discovered unauthorized activity after losing the card I called immediately. Ive called over and over and Im always told that they will take care of the dispute, and Ive NEVER received any documentation of any kind. Disputes never made, account credits never made. Late fees and interest continuously added to the account, which is very much a violation of my rights. I have a right to dispute the validity of charges that I am not responsible for. This is ridiculous.
Consumer complaint received 2024-01-13
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. (NC)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. 
There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
But they did not do that as well either. 

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Experian/ Experian National Consumer Assistance Center Re : Acct # XXXX On XX/XX/2019 I disputed an account reported by XXXX  XXXX XXXX in the file you maintain under my Social Security number. 

I was informed on XX/XX/2019 that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification.
Consumer complaint received 2019-02-18
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: SUNTRUST BANKS, INC. (NJ)

I contacted XXXX XXXX XXXX on : XX/XX/XXXX about a unauthorized inquiry on my report dated for XX/XX/XXXX ... I was informed after providing my name that XXXX  XXXX XXXX was unable to provide information about the inquiry or any form of application for credit to prove consent.
Consumer complaint received 2017-10-07
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: Bread Financial Holdings, Inc. (CA)

DISPUTED FRAUD CHARGES- {$380.00} I notified PayPal several months ago that there were fraudulent charges from merchant XXXX. These charges were not placed by me nor did I ever receive any merchandise at any point from the merchant. I requested that my account be closed due to being compromised & requested new account but no actions were taken to have these charges removed or even secure my account in anyway. When I contacted XXXX I was informed to contact paypal to dispute.Im very frustrated that im still having to deal with this issue .I have sent letters in having this corrected & amount removed from my account but cant get a response.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

I DID NOT APPLY FOR CREDIT, LIVE AT or WORK AT THE PLACES LISTED BELOW : Inquiry : XXXXXXXX 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. Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. In particular, Section 1681s-2 ( b ) ( 1 ) ( E ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the XXXX XXXX, Document XXXX, XX/XX/2023, XXXX, XXXX of XXXX XXXX information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover XXXX still has NOT PROVIDED PROOF. Please remove the above inaccurate information.