davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
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. (AZ)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXate Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 I disputed negative inaccurate information on my consumer report and the items were not removed and I did not receive a proper response with in 30 days I am attaching the previously sent letters and the most recent letters as a final follow up. I have also enclosed information regarding accounts that should not be on my consumer report as well. I have also labeled the violations found by this company to my consumer report. 

This company is in violation of the following codes pursuant to Title 15 USC Chapter 41 as stated by congress : 15 USC 1681e ( b ) reporting 100 % Accuracy ( https : XXXX ) 15 USC 1681 ( a ) ( 4 ) Right to privacy ( https : XXXX ) 15 USC 1681b ( 2 ) Permissible purpose ( https : XXXX ) 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions of Transactions or Experiences https : XXXX I have attached my dispute letters and request immediate removal. 

I do not consent to e-Oscar or any means of automated system for verifying my disputes. 

I request the cfpb to enforce the laws violated pursuant to congress.
Consumer complaint received 2022-07-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied for a Home Equity Line of Credit on XX/XX/2022 with Bank of America ( BOA ), and the process has been very draining, I was told the process usually takes XXXX weeks ; however, we are now in XXXX and still going through the process. I was asked for several documents including Tax returns, home information, and financial documents which I submitted ; however, they would come back and ask for additional information. This file was supposed to be completed in XXXX to lock in the interest rate that was agreed upon in the beginning ; however, that date was missed because they needed additional documentation. I sent the documentation and everything was sent to underwriting, however, they then informed me there was a Lien on my property due to a home assistance loan I received when I first purchased the property. At first, they couldn't tell me who the lien was from and I had to go and search and find out how to get it taken off, after numerous inconsistencies I finally found out how to get the lien taken care of. BOA finally told me two weeks ago that my loan was taking too long and that they would have to close the file until this was taken care of. I'm in the middle of having to get this done ; however, all of this information should have been checked and provided to me in the beginning. Now they are saying they will need to restart the process and I won't be able to get the interest rate originally discussed.
Consumer complaint received 2022-07-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (TX)

Direct Recovery Services using phone numbers XXXX, XXXX, and XXXX keeps calling me I have told them that I do not know a XXXX but they keep calling my cell phone and leaving messages. 
I spoke with someone who works there who called from XXXX and she said she would remove my number from her call list.
Consumer complaint received 2022-07-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (NC)

I received this email. I have no American Express account. 
American Express American Express Pending Issues - Ref : XXXX American Express XXXX American Express Card - Funds Transfer Error An error has occurred. You will not be able to receive funds. 
If you have already updated the form but the funds have not been received, please complete and send the form again. 


Please download the e-Form attached and follow the instructions to resolve all issues. 


Thank You, 2022 American Express. All rights reserved
Consumer complaint received 2022-07-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My complaint is with Bank of America. 

On XX/XX/2021 I received a Loan Estimate from Bank of America estimating my closing costs to be {$8500.00}. My origination charges were estimated to be {$1200.00} and total loan costs were estimated to be {$3800.00}. 

On XX/XX/2021 I received a closing disclosure document from Bank of America estimating my closing costs to be {$5700.00}. My origination charges were now estimated to be {$1500.00} and total loan costs were estimated to be {$2800.00}. 

On XX/XX/2021 the day before my scheduled closing date Bank of America sent me a new closing disclosure document stating that my closing costs had increased to {$9600.00}. My origination charges were estimated to be {$2800.00} and I would be required to pay XXXX in points which came out to be {$1300.00}. My Lender origination fee remained at {$1500.00}. 

I called my loan officer to ask why they had added the additional XXXX point charge and she claimed that she had mis-categorized my XXXX XXXX XXXX as a mid rise instead of a high rise  and that high rise condos need a higher rate according to their model. This was a lie, only condo buildings 6 stories or higher are considered high rises, so my condo was considered a mid-rise. I did not get any of this in writing. 

At this point Bank of America had delayed my closing date 3 times because they lost documentation that I provided multiple times. I was worried that the seller would back out if I switched lenders and delayed closing again, so I felt like I had no leverage to negotiate with Bank of America without losing my condo. 

I only recently learned that these actions taken by Bank of America might be illegal and decided that I should file a complaint.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AFNI INC. (PA)

XXXX has allowed new collection accounts to be placed on my credit report without properly verifying identity and they will not allow me to file a dispute, it has been 60 days now and I continue to receive an error message stating technical difficulties. Afni is listed as a collection on my account in the amount of {$580.00} this same company was listed on my credit report before, I disputed it and this same account was removed by XXXX. This account was placed again, updated with a new report date of XXXX XXXX which is completely inaccurate and false reporting and now XXXX will not allow me to dispute this account.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

In reference to my account XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX I have sent many correspondences to them with no luck in resolving inaccurate information. XXXX XXXX, XXXX and XXXX none of their information is consistent or accurate. 

XXXX shows 30 Days late for the following months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, shows on time payments every other month XXXX shows 60 Days late the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, shows on time payments every other month. 

As you can see nothing is the same.
Consumer complaint received 2024-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account : XXXX Acct : XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm writing to express my concerns about some issues I've encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing mistakes. I need help resolving these issues to ensure my financial security.
Consumer complaint received 2022-07-27
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: CREDIT ACCEPTANCE CORPORATION (TX)

Credit Acceptance Corp has reported this negative account on my consumer credit report. I am not associated with the person named on the account for the amount of XXXX. I have already disputed this with XXXX along with other negative accounts associated with the same people. This account is being reinvestigated and all other negative accounts that I have disputed as of XX/XX/XXXX have already been corrected from my credit report. My credit has dropped significantly due to these credit reporting errors that continue to be associated with my first and last name. The addresses and phone numbers on my credit report were corrected today XX/XX/XXXX and will be updated within the next 72 hours. These credit reporting issues occurred back in XXXX with the same people being associated to my credit report and I had to report all this to XXXX that many years ago. They are reappearing once again and this is negatively effecting my credit. The time and effort to dispute these accounts has been exhausting. Please take care of this ASAP!
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (OH)

By using my social security number and some information about me, they were able to get through the Citi bank phone system and open an authorized user under my card. This was all done without contacting me directly and the bad actor was able to use the same system to change my phone number and the email on my account. All while presumably unable to enter my security word
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (IN)

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account listed under Midland Credit Management and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report, and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and the account still reflect on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation have been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (DE)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal 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 an account without my written instructions. 

XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX  Collection # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX  Collection # XXXX, XXXX XXXX # XXXX
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal 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 an account without my written instructions. 

XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX  Collection # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX  Collection # XXXX, XXXX XXXX # XXXX
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Experian has allowed new collection accounts to be placed on my credit report without properly verifying identity and they will not allow me to file a dispute, it has been 60 days now and I continue to receive an error message stating technical difficulties. XXXX is listed as a collection on my account in the amount of {$580.00} this same company was listed on my credit report before, I disputed it and this same account was removed by Experian. This account was placed again, updated with a new report date of XXXX XXXX which is completely inaccurate and false reporting and now Experian will not allow me to dispute this account.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

Experian provides no way to offer technical assistance to customers who have been locked out of their web services, effectively holding their credit reports hostage and rendering consumers unable to access credit if it is frozen. 

I have spent over 6 hours on a maze of circular phone support with no opportunity to discuss my issues with a real human being. The only other option they offer is to send a letter with all of my personal information to their headquarters.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

I am the consumer, natural person and original creditor. Discover Bank has denied me my right to credit as I applied for a Discover Credit Card account on XX/XX/2022 initiating a consumer credit transaction the application number is XXXX. Pursuant to XXXX XXXX XXXX ( k ), Discover Bank also discriminated against pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my right to credit by making an application pursuant to 15 USC 1642 and since the letter you sent me on XX/XX/2022 which is an adverse action is both proof and evidence that I have been discriminated against, you are criminally liable. pursuant to 15 USC 1605, a finance charge was involved in the consumer credit transaction I which is another violation pursuant to 15 USC 1602 ( p ) unauthorized use of my credit card which congress defined as ANY card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. so that right there means the consumer provided Discover my Social security Number which is defined a credit card and I received no benefit. Discover Bank also failed to disclose to me that a finance charge was involved. Pursuant to 15 USC 6802 I am exercising my right to privacy and hereby OPT OUT of sharing of my nonpublic personal information to consumer reporting agency.
Consumer complaint received 2022-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

Hello..on Monday XXXX XXXX i had recieved a Medical Bill from Overton, Russell , Doerr and Donovon LLP located at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and bill stated i owed {$1000.00} and i had failed to pay or failed to make arrangements for payment. It is to my understanding a debt. Collector must give a debtor the right to dispute prove the bill is valid which i never had the chance from this collection Agency i just recieved a bill i owed. I called them today and when i questioned them on why i got this bill and not a right to dispute first. of course i got the answer '' we did send you a notice, its in our computer. '' i argued with them over it replying i never got any notice otherwise if i did i would of called or responded by certified mail right away.I had dealt with a collector before and i know its important once a notice is recieved is to respond quickly as you can.I did research this Company and they have numerous complaints on them. ( XXXX them )
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX has reported this account to XXXX XXXX, Experian and XXXX and they have allowed this debt to be report to my credit without verifying proper information. I have never had a legal obligation towards XXXX XXXX, they claim they are with XXXX Bank. I did have an account with XXXX Bank under XXXX which is a currently closed company that filed bankruptcy. XXXX Bank is already listed as a debt on my credit report and I paid this debt as a paid in full settlement agreement amount to XXXX 4 years ago. XXXX XXXX is reporting this as a new debt on my credit in the amount of {$1900.00} stating that this account was opened 6 months which is false. XXXX XXXX has constantly harassed and called from different numbers asking me to verify my date of birth without identifying who they are, requesting me to provide my personal information over the phone when they call me.
Consumer complaint received 2022-07-27
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. (PA)

XXXX XXXX has reported this account to Trans Union, XXXX and XXXX and they have allowed this debt to be report to my credit without verifying proper information. I have never had a legal obligation towards XXXX XXXX, they claim they are with XXXX Bank. I did have an account with XXXX Bank under XXXX which is a currently closed company that filed bankruptcy. XXXX Bank is already listed as a debt on my credit report and I paid this debt as a paid in full settlement agreement amount to XXXX 4 years ago. XXXX XXXX is reporting this as a new debt on my credit in the amount of {$1900.00} stating that this account was opened 6 months which is false. XXXX XXXX has constantly harassed and called from different numbers asking me to verify my date of birth without identifying who they are, requesting me to provide my personal information over the phone when they call me.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.