davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I am submitting this complaint in response to the recent investigation done by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question : DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1900.00} DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or remove these disputed items. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time the Bureaus are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless they notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).
Consumer complaint received 2023-01-09
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. (CA)

This letter is a formal request to remove unauthorized Inquiries from my credit report. I've listed the unauthorized inquiries below. 

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 

In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries outline above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above-listed address. 

If your investigation determines the inquiry was authorized. I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation.
Consumer complaint received 2022-07-14
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. (AZ)

I am submitting this complaint in response to the recent investigation done by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question : DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX  XXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1900.00} DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or remove these disputed items. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time the Bureaus are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless they notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).
Consumer complaint received 2022-07-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This is regarding my Bank of America XXXX  XXXX XXXX card, approved and received on XX/XX/XXXX, and for which I paid an annual fee for. 

Even though I paid the annual fees, Bank of America unilaterally closed my account without any explanation on XX/XX/XXXX, thereby denying me services that I had already paid for. 

My account was never in default, the account never extended its credit limit, or otherwise breached any terms of the contract. 

Please either reinstate my account ( preferred ), or provide a detailed justification for the closure of the credit card ( I have been unable to get a reason when calling in customer service ). 

Also provide a refund of the annual fees given that services paid for are not provided, which is a deceptive and unfair consumer practice.
Consumer complaint received 2022-07-14
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. (IL)

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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-10-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CT)

I went into a forbearance plan in XXXX of XXXX when Covid hit. During this process i made sure to connect with my assigned contact to make sure that this would not affect me in any negative way. I was assured that there would be no problem fast forward to XXXX of XXXX my Forbearance was ending and i would resume my payments. I was specifically told my my point of contact that I would resume my payments in the month of XXXX so I called in to make my payment for XXXX. I was sent a loan modification agreement at the beginning of XXXX that needed to be notarized. Per my point of contact I was to NOT pay the month of XXXX because of the delay in getting the loan modification agreement. Since then i have received a total of 6 Loan modification agreements because of errors made either by XXXX XXXX  or the XXXX. I have sent everyone of these in ; in a timely manner. Because of others mistakes I am now paying the price which is not fair. XXXX XXXX is reporting tho the credit bureau that I am not making my Mortgage payment when I indeed have been paying it since XXXX as i was instructed to do. I have tried a number of times to get this fixed and taken of my credit with no luck. Every time I call i get no where ... this is costing me a lot my credit went from a high XXXX down to a low XXXX. Please help I have no fault in this.I filed a formal complaint with XXXX and received a letter saying they were going to look in this but I have not heard anything else since. I have never payed my mortgage late. since the first reporting XXXX has gone and sent a second reporting of me not paying which is not accurate at all i have my bank statements that show I have been paying. I was told that the reporting would keep happening until they receive a complete agreement. as i mentioned i have sent in 6 of these agreements but they are not accepted because of errors XXXX made or the Notary made... I need to get the reporting of my credit report and have them stop reporting because again i have no fault in this delay. I appreciate your time with this matter and hope that i can get some help with this issue.
Consumer complaint received 2022-07-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions. (FL)

FBCS keeps calling daily, sometimes multiple times a day. 
They call from multiple different numbers. 
This began months ago. 
I once took the call and as soon as they mentioned a debt collection, I interrupted that I do not own a debt to anyone, I have no written documentation I own a debt and no debt collection show on my credit report, so I thought it was a scam. 

And yet they repeatedly and repeatedly keep calling. No voice mail has ever been left from FBCS, from what I can recall. 
They have been calling for several months.
Consumer complaint received 2020-04-30
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. (NC)

XXXX sent me their reinvestigation of the fraud address OF XXXX XXXX XXXX XXXX VIRGINIA XXXX XXXX place on my credit by experian and XXXX to my knowledge. My FTC identity theft # XXXX. 
REPORT # ATTACHED under my name XXXX XXXX XXXX It lists the creditor info as follows COMPANY NAME NO ACCOUNT NUMBER XXXX XXXX states they removed it. 
Ok. I need the creditor information of the entire credit detail inquiry PLACED ON MY CREDIT WHILE I HAD IT FROZEN XX/XX/2019. THIS is unacceptable. The FCRA ACT STATES I am legally entitled to the creditors information so that I can call and investigate. XXXX send me the total details of the credit inquiry placed on my XXXX and experian credit while frozen XXXX XX/XX/2019 of XXXX XXXX XXXX XXXX Virginia. 
Or is the companies name Company name no account number. 
Because this has my personal paid for fax service NUMBER XXXX of XXXX linked to it. So this means XXXX this FRAUD creditor AND THIS IDENTITY THIEF has my fax I pay for {$19.00} per month for and I have had interceptions of my legal document transmissions. SO THIS IS GETTING REALLY LEGAL XXXX. And experian Please submit your response thru the cfpb portal for local state and federal law enforcement investigationscoming up real soon I hope.
Consumer complaint received 2020-04-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company (KY)

I reached out to Merchants Credit Guide on XX/XX/2020. Spoke with Miss XXXX OP ID XXXX in regards to ( 2 collection accounts for medical services. ) The original debtor and the collection agency mentioned above have failed to comply with FCRA regulations to notify of debt so I can attempt to dispute if needed. I never received anything. I reached out today to request verification of debt. They would not send the information requested. I have asked that because I was not notified and the debt was unjustly reported to the credit agencies that this debt be removed. I have verified that I do owe this debt and it was missed. However, the debt was not properly reported to me allowing me an opportunity to dispute or resolve. I offered to pay Miss XXXX today, in full, as long as she can provide me something in writing that states these debts would be removed from all 3-trade lines. She indicated that today they are actually offering that to all accounts paid to XXXX  and there cause for offering this is because of the Corona Virus and they are trying to help people out given the current circumstances across the country but cant provide me that in writing. She stated, " Oh no they wouldn't put that in writing ''. Therefore, she is telling me they will remove the debt from the trade lines, but can not put that in writing to offer validation of statement. According to Miss XXXX she advised her supervisor Mr. XXXX and either her or Mr. XXXX would be calling me back today. 
It is now XXXX Eastern time on XX/XX/2020 and I have not heard from them. 

Therefore, I demand that the accounts held by : MERCHANTS CREDIT GUIDE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX In the single amounts of : {$160.00} and {$300.00} For XXXX XXXX XXXX of XXXX XXXX XXXX XXXX KY Be removed from my credit report in an effort to make my credit report whole and true such as it did prior to these debts being reported and unjustly so. 
If Merchants is willing to provide me with a letter stating that once these debts are paid in full the 2 collection accounts will be removed from my credit report at all three trade lines in an effort to make my credit report whole again as explained above. Then and only then will I provide payment.
Consumer complaint received 2023-01-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Freedom Mortgage Company (CO)

FREEDOM MORTGAGE is attempting to foreclose on my home in XXXX XXXX XXXX XXXX CASE NO. XXXX ( SEE ATTACHED DOCUMENTS FOR REFERENCE ) this action and case and foreclosure is an act of fraud and a crime under title 18 USC as FREEDOM MORTGAGE ACCOUNT # XXXX has been discharged in bankruptcy court case no. XXXX, therefore FREEDOM MORTGAGE IS commiting fraud and in violation of a federal court order
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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 2020-09-17
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. (NC)

unable to get the information I need to get the identity theft stopped. I have tried to resolve this online. XXXX  refused me my credit report and I have never put a freeze or lock on this company. I has several address, social security number and names on my report that do not belong. I am also not able to make so many calls to these companies. I am XXXX and believe that someone has opened false bank accounts in my name as well. I have contacted the FTC and Social Security about this.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Late XX/XX/2022, met with Bank of America representative to close account and receive refund of my IRA. 

XXXX telephoned Bank of America as recommend by representative and was advised that she would close my IRA account and mail to me a refund of me deposit. 

XXXX having received nothing from Bank of America, telephoned again and again advised my account would be closed and a refund of my IRA account mailed to me. 

I received a letter from Bank of America, dated XXXX, advising me that they were unable to process my request as the funds are currently on hold. 

XXXX I sent a letter to Bank of America requesting information as to the hold and to refund to me my IRA. 

XXXX sent another letter to Bank of America again requesting information related to the hold and to refund my IRA to me. 

To date, I have received nothing.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Disputed account XXXX XXXX - XXXX not mine disputed multiple times XX/XX/XXXX and XX/XX/XXXX sent copy of police report and identify theft report # XXXX this is a collection agency I never gave hippa authority and this is not mine. Would like for equifax XXXX XXXX and XXXX  to remove this promptly. Also XXXX XXXX  is reporting inaccurate info this account is closed and never late Still reporting as open
Consumer complaint received 2023-01-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MONEY SOURCE, INC., THE (CA)

I am currently in escrow on a property and am working with The Money Source to assume an existing loan. This assumption was offered by the seller as he was made aware by The Money Source that his loan was assumable. Both the seller and myself have been in contact with The Money Source for months, constantly asking to status updates and is we could provide any information to expedite the process. I just received on XX/XX/XXXX the disclosures regarding the loan in which I am about to assume. I signed and sent back the loan disclosures on XX/XX/XXXX. This morning XX/XX/XXXX I received an email from the money source stating that they are no longer offering loan assumptions. I understand if the company will no longer offer loan assumptions but canceling the process of my loan assumption after being led to believe for months that we were in process is a violation of some sort. I would puld like to continue with the assumption of this loan and feel like this company should finish the assumption as we have been led to believe that it was in process.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (TN)

Due to the Covid-19 virus, I lost my job and filed unemployment.I thought i would receive my card within two weeks and it has been almost one month.I have money on a card i have never received.I have contacted the number on the back of a card my friend showed me he has and i can't get in touch with anyone.It would be easier if the unemployment office i have been directed to a few times would actually answer, but that will not happen due to over 13 million people having the same issue in the state of Tennessee.