davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Subject : Disputing Information in Credit Report To Whom It May Concern : I hope this letter finds you well. I am writing to dispute the following information. 


I am a Bank of America customer for more than 8 years. As you see on my credit report ( s ), I never had late payments in my life. I used to have an Auto Pay based on the statement balance. I have had this credit card ( XXXX ) since XXXX and it was set on autopay for recurring charges. I left the country for 3 weeks and checked the Auto Pay in XXXX. Unfortunately, due to a glitch on the international IP of the Bank of America website, my auto payments didnt kick in. I didnt realize that until I am back XX/XX/XXXX, when Im back. I paid it immediately for sure. I called the Bank of America and they waived the fees and interest charges due to technical glitches on their Bill pay page in the XXXX XXXX. After the investigation, It turns out their system changed my residential address and cut the autopay. 

They didnt remove the delinquency due to their mistake. It hurts my credit applications. This should be a goodwill adjustment but its a bad-will adjustment on their side and this should be illegal. Please help me to remove this delinquency report from my account as soon as possible. Thank you! 

I have copies of the record of payments made, the waivers, and the error code on their website supporting my request. Please reinvestigate and remove this delinquency report from my records as soon as possible. 

Thank you for your time and consideration! 

Sincerely,
Consumer complaint received 2021-11-10
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: Experian Information Solutions Inc. (WV)

I received two emails from XXXX XXXX about two hard inquiries. I did not authorize either of these inquiries. One inquiry is from XXXX XXXX and the other is from XXXX XXXX both took place on XX/XX/2021. When I called each bank they explained that someone had put in an application for a loan but due to this being fraud and identity theft each bank stated they will deny the application and that no money was dispensed to any person. I later proceeded to check my credit report on each credit bureau website. I am currently trying to dispute these two hard inquiries as I stated I did not authorize these loans. I did not give any person permission to use my personal information.
Consumer complaint received 2022-07-15
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. (MD)

This is my several attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/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 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 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 2022-08-16
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. (VA)

n 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
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HEAD MERCANTILE CO., INC. (FL)

I pulled my credit report last month ( XXXX ) and the following company was Head Mercantile Inc. 

This company did not contacted me or send me a letter about a debt I owed so that I could dispute it.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OK)

On XX/XX/2022, I tried to get my Equifax credit report from the annual free credit report site. I get to the point where it wants to send you an email with a verification code. It sends you an email with no code and you can not proceed any further. I contacted Equifax and they tried to send me a code while I was on the phone with the agent. I told the agent that I received the same email with no code. You can not get your report without that code to proceed. The agent wanted me to send them more information and id 's to get a code. I asked to speak to a supervisor and was told they were too busy and so I asked to be put on hold and the agent hung up on me. They just want to collect more information on you for their data records and not give you your report but will sell the information to others.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX Bank has failed to give me the option to give me the disclosure to opt out of them using my nonpublic personal information and giving it to any third party. This tradeline has been placed on my consumer reports. They have violated 15 USC 6802 ( b ) ( 1 ).

The CRA 's have violated 15 USC 1681b, I the consumer never gave any of them permission or consent to use/share/or report any of my nonpublic personal information.
Consumer complaint received 2022-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DE)

My mortgage servicer- Rushmore Loan Management Services sent me a letter advising me that the load was being sold to XXXX XXXX XXXX XX/XX/2022. The letter gave a number to reach XXXX of XXXX but this number is wrong. I looked up XXXX and found that the number should have been XXXX. When I called XXXX they have no record of my loan using my loan number, ss number and street address. I then called Rushmore and they stated they gave the wrong number on the letter and that they will not accept any more payments on my mortgage as of XX/XX/2022. This will leave my mortgage in limbo since XXXX does not show any loan for me with them and my auto debit to Rushmore will not be accepted. How is this day of electronic business is this allowed to happen?
Consumer complaint received 2021-11-10
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: EQUIFAX, INC. (WV)

I received two emails from XXXX XXXX about two hard inquiries. I did not authorize either of these inquiries. One inquiry is from XXXX XXXX and the other is from XXXX XXXX both took place on XX/XX/2021. When I called each bank they explained that someone had put in an application for a loan but due to this being fraud and identity theft each bank stated they will deny the application and that no money was dispensed to any person. I later proceeded to check my credit report on each credit bureau website. I am currently trying to dispute these two hard inquiries as I stated I did not authorize these loans. I did not give any person permission to use my personal information.
Consumer complaint received 2022-03-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

According to my Experian report, I am in debt to XXXX XXXX XXXX a significant amount ( they are a collections company ), however, when I contacted XXXX XXXX XXXX, they were unable to send me verification of the debt for four months! Then sent me a letter stating that they would lower the debt by 50 % after not contacting me for four months. I then sent them a dispute letter asking for 3 documents of verification. They reported the debt to Experian and I disputed with Experian and attached the letter I sent to XXXX XXXX XXXX. After 20 days, XXXX XXXX XXXX puts that the account is mine yet sent no real proof or any of the verification I asked for. Experian is aware of this yet they say all they can do is continue to dispute it or for me to ask XXXX XXXX XXXX to remove it from my report which they refuse to do and also refuse to verify the debt. XXXX already deleted the debt so why is Experian siding with the wrongful collections company, when I as the consumer for Experian, have more proof that the debt is incorrect?
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My whole XXXX was stolen from me while I was in prison in XXXX but the bank keep saying I dont have any evidence??? How ever I will be getting the assistance I need to retrieve my money
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -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 2021-11-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I submitted a complaint previously because Bank of America had told me that I would not have to make any payments for a credit card I am paying off due to financial hardship I was facing as a result of COVID 19. Not only was their official response more than 60 days late, but their official stance was that even though their customer service rep had failed to inform me verbally that I was still responsible for paying the minimum, they had written it to me in fine print on the back of a letter they had sent me. I still have not been able got verify this and they have not provided me with a copy of this alleged letter. When I pointed out that I could not have reasonably known I was still responsible for making minimum payments during this time without being verbally told so, and being made to believe something else entirely while speaking to one of their reps, they told me basically that this is just how it is. As a result, the credit score I have spent three years rebuilding fell 50 points, hurting my chances of doing things like financing a car and has caused greater personal financial injury. These practices are unjust.
Consumer complaint received 2022-07-15
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$41.00}.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX Actual Statements : The uploaded documents I received from XXXX Shows XXXX is intentionally and maliciously reporting wrong data to the credit bureaus. 

This may because I have ask for validation of this account via original signed contract, origned agreement, or signed application for credit bearing my signature and they have failed to do so after several disputes. 

As I stated, I have requested : proof by means of signed agreement, or signed contract, or signed application for credit showing I applied to this account in a joint status. i could not of signed for joint status my credit was too poor, I was an authorized user on this account and they have reported irregularities on one credit bureau its a individual account and another its joint. They do not have supporting documents required by law abd that is a second reason to remove this account! This account is over 8years old! 

I demand this malicious creditor and/or the credit bureaus remove this from my account immediately! This is damaging me And have been for years until recently noticed! 

Attached you will see where XXXX has repeatedly reported innaccurate information such as the late months and charge off. The last sheet shows one thing and these show another! Im going to sue you all if you dont remove this account immediately! 

You both are breaking federal law
Consumer complaint received 2021-11-09
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)

I recently settled an account with XXXX. The agreement was that I pay a certain amount and in exchange the account would be closed and I would no longer owe any balance on the account. This agreement was paid and settled. I have contacted Experian on a couple occasions for them to update the information to reflect the correct information that should be reporting on my credit profile. I have submitted documentation that pertains to the agreement for the account being settled. The information being reported on my credit profile in inaccurate. Experian clearly without regard to my consumer rights have violated these rights on now two separate occasions by reporting inaccurate information and falsely stating that the information was verified as accurate.
Consumer complaint received 2022-08-16
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX JXXXX 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 2022-08-16
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. (GA)

In 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
Consumer complaint received 2022-03-18
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: Frontline Asset Strategies, LLC (IL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

First Source, FrontLine Asset Strategies and Source RM Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2022-08-01
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-03-18
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. (PA)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.