davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-30
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. (SC)

On XX/XX/XXXX, I submitted a certified letter to Experian to dispute unauthorized inquiries that were listed on my credit report. My dispute was received by Experian on XX/XX/XXXX. In my dispute I requested for the removal of these unauthorized inquiries. I did not authorize any of the disputed inquiries in writing or verbally. These inquiries occurred on two different dates XXXX XX/XX/XXXX & XXXX XXXX ) in a state/s where I do not reside. On XX/XX/XXXX, I received an email from Experian that stated my dispute results were ready. When I reviewed the credit report from Experian, all of the disputed inquiries were still listed. When I contacted Experian via telephone on two different occasions to find out why my dispute of these unauthorized inquiries were denied, the Experian representative responded by saying that the inquiries were proved to be valid and I needed to contact the lenders which I had already done. When I requested a copy of the description of how the investigation was conducted, Experian denied my request. I also requested copies of an application or any other documentation that shows that I authorized the lenders to obtain my credit report. Documentation should have been submitted by all of the lenders who reported these inquiries if I authorized them to obtain my credit report. Experian sent me an email on XX/XX/XXXX that stated they generate the information listed in the inquiry section from it's own business records, which they verified as accurate. This email also explained the definition of permissible purpose along with other explanations which did not apply to me. Experian denied my dispute as if the unauthorized inquiries that I disputed were proven as factual from an investigation that never took place. Experian violated the Fair Credit Reporting Act by through it's failure to reasonably investigate the disputed information.
Consumer complaint received 2021-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is a follow-up complaint on my previous complaint # XXXX ; bank of America has failed to address my request properly, they have wasted my time and now claim that I initiated the claim to dispute my wrongly charged fee of XXXX by XXXX outside the window. In another mail, I received today that is dated XXXX XXXX, 2021, Bank of America claims that I have failed to provide further information or documentation in regard to my case and now they want to stick to their initial decision. They are providing inconsistent excuses in every mail they sent me that show they are bad people. Whoever is handling my claim is a bad and unprofessional banker. 

I had opened the claim right on time and they favored XXXX based on wrong evidence that was a forged signature on the XXXX carrier for the delivery of an item. 

I need the bank of America to be responsible for this wrong decision and refund my XXXX as they have provided the guarantee for a fraud-free transaction. 

Thank you for protecting me. 

XXXX
Consumer complaint received 2021-03-28
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: WELLS FARGO & COMPANY (VA)

Failure to respond to MOV ( Method of Verification ), I NEVER received a response to my Request under Fair Credit Reporting Act 611 ( a ) ( 7 ), for the WELLS FARGO DEALER SVC XXXX within the time set forth by law.
Consumer complaint received 2021-03-30
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. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX SS XXXX. I had some issues with my income being effected by the COVID-19 PANDEMIC SHUTDOWN. I was under the 1 CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care protect the integrity of my credit file. 
XXXX XXXX # XXXX account is reporting a 30 late payment after I requested assistances due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process
Consumer complaint received 2021-05-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

XX/XX/2021 I have previously filed a complaint regarding this company. They are in receipt of my refund from The XXXX County Tax Assessors Office due to the fact that the company overcharged me for ESCROW. This has been a back and forth situation since XX/XX/2021 with this company. I spoke with a Supervisor XXXX XXXX, She hung up the telephone on me and did not call back. They continue giving various excuses for not issuing my refund in an expedient manner. I am requesting assistance with this matter.
Consumer complaint received 2022-08-01
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)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely frommy Credit Reports : XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-03-28
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. (DC)

The credit agency XXXX and transunion seem to be incorrectly reporting negative factors that consumers ( me ) have with two problems : 1 ) total of all balances on bankcard or revolving accounts is too high ; total of all balances on your open accounts is too high ; The balances on your accounts are too high compared to loan amounts ( they said the same thing in three different ways which made it look like there were three different problems and 2 ) oldest account is too recent.

I have a credit score with these companies of XXXX and XXXX respectively and an 11 % revolving credit utilization. My oldest account started in XXXX of XXXX and others in XXXX and subsequent years. I have no had a late payment except for 1 in XXXX based on an oversight. That is 1 late payment in 14 years! Why do I become a casualty of borrowing with these statistics and make a 6 figure salary? It seems like these companies are out of control. My credit score is better than significantly more than 75 % of the country, my payment record is excellent and my income is significantly higher than the median salary for the United States. I feel there is discrimination here somehow. If I was a white male would I get turned down for a simple loan for an XXXX  I can obviously well afford? 

It is bad enough they operate in absolute secrecy non-transparent to most Americans. Baseless negative marks for high credit utilization when their own credit reports describe utilization as " good '' at 11 % is a false flag to creditors not to do business. Describing oldest account as too recent must be less than 5 years ( if that much time ) instead of 14+ years as they have done me. Who is watching these companies. It would be fair to stop these credit bureaus from unfairly negatively characterizing the credit of hard working Americans. Where is the uniformity of service as Transunion should not be able to charge {$0.00} to retrieve a credit score when XXXX  provides it with the free credit report to which all Americans are entitled.
Consumer complaint received 2021-05-04
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. (MI)

XXXX refuses to remove an account that was not mine. I have sent paper work to them, XXXX and Equifax and all but XXXX refuses to remove the account. I have now sent in 3 sets of paperwork, 4 times and they refuse.
Consumer complaint received 2022-08-01
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. (MI)

An accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written consent.
Consumer complaint received 2021-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Collection Services, LLC (LA)

On XX/XX/2021, Southwest Collection Services added two derogatory marks on my credit report per XXXX XXXX. Upon, further research, these accounts was transferred/ sold and I am no longer responsible for these accounts. Southwest Collection Services did not verify these collections. Also, there was NO written form of communication, contract, or signature for these accused debts at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Southwest Collection Services has violated my rights as a consumer and Im requesting legal action to remove these accounts immediately.
Consumer complaint received 2022-08-01
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Mercedes Benz Financial Services (FL)

On XX/XX/XXXX, MBFS-Mercedes-Benz Financial Services hired XXXX XXXX XXXX to repossess my vehicle. I initiated this transaction with my credit card. I am a consumer and the purchase was for personal use. After doing some research, I realized that the FDCPA, TILA, and the Equal Credit Opportunity Act were violated. On XX/XX/XXXX I sent a letter to MBFS disputing the validity of the debt due to fraud, debt validation and Cease & Desist and a debt validation. I didn't receive a response from MBFS. I received a threatening letter titled, " Notice of Default and Right to Cure Motor Vehicle Lease, '' the letter was dated XX/XX/XXXX ( received in XXXX ), giving me until XX/XX/XXXX to make payment before adverse action will take place. On XX/XX/XXXX I sent a letter of " Default notice/Fraudulent assignment/Aggravated Identity theft Letter. I listed the respond by date of XX/XX/XXXX. XXXX hired XXXX XXXX XXXX to repossess my vehicle on XX/XX/XXXX. XXXX XXXX XXXX required me to turn over the keys to the vehicle in order for me to receive my personal property from the vehicle which was bagged up without an inventory sheet. I was not given a copy of the property release form I signed. This was adverse action against me. I used my credit card to lease the vehicle which gave MBFS a security interest which is the certificate of title.
Consumer complaint received 2024-10-25
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. (FL)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX, Number XXXX XXXX XXXX, Number XXXX
Consumer complaint received 2021-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I XXXX XXXX XXXX XXXX was entered into a credit inquiry transaction that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web.I have contacted XXXX  about this issue on the phone and the employees were very rude to me. I asked to speak to the supervisor and the supervisor made me aware that she had no knowledge of the FCRA Laws even though XXXX  is supposed to abide by the FCRA Laws. after I stated the laws to the supervisor, she then hung up on me in an attempt to evade the laws and do the right thing by removing this inquiry. I also faxed in all these documents that I attached to this complaint to XXXX  and they have yet to respond.Having this False and misleading inquiry reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my son. I am a XXXX  father and my son looks up to me, so I wan na show him that I can buy a house for him because he deserves it. I ask that you please remove this false misleading inquiry from my credit report so I can began to repair my credit and eventually get my Son a house. please resolve this matter quickly. Capital One Bank USA gave my hard inquiry information to XXXX  knowingly without my written consent, they violated 15 USC 1681n ( b ) .My consumer rights have been violated.
Consumer complaint received 2022-08-01
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. (CA)

I have been sending fifteen ( 15 ) dispute letters to the Credit Bureaus requesting that they update the disputed accounts reporting on my Credit file andyet they have done nothing! 
XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX I am appalled by the ability of the Credit Bureaus to do nothing despite all the previous letters I have been sending to them! This account was never late and should have never been reported as late! I have been keeping my own payment record and upon reviewing the information the Credit Bureaus have also been reporting, I came to a conclusion that the Bureaus are not keeping accurate information. I need the Credit Bureaus to correct this accounts information and update the late payments from this account! 
XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX This account has been paid and yet it continues reporting as late despite the status reflecting as paid and the balance as XXXX. How can a consumer accrue late payments if the account has already been paid? I previously requested that the XXXX Bureaus provide me proof of the payment history and last payment and yet they sent me nothing! Its either the Credit Bureaus update and correct this account or they remove this erroneous account completely from my Credit Report!
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

So recently my citizens bank mobile banking app was hacked into and a check was deposited for {$7800.00}, that was later returned because this was not me and the funds were insufficient. Then XXXX $ was transferred to someone named XXXX XXXX through the XXXX on my mobile banking. Then my XXXX  XXXX  was hacked because 4 separate transactions of XXXX $ were added to my XXXX XXXX and then sent out in 4 different payments to some one named XXXX. This was not me and Ive been telling this to my bank but the fraud claim got denied twice. I tried to contact XXXX XXXX  and they said that they will help in any investigation through XXXX XXXX my bank is now calling me asking for XXXX. I am a student in college and this was a students checking account so i dont know how its even possible for my account to go negative if all I had in it the day before was a few dollars. I need serious help as soon as possible because the collection agency keeps calling me and I dont have the money to pay this and Im also obviously not going to pay for something that wasnt me.
Consumer complaint received 2021-04-28
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: CITIBANK, N.A. (MT)

Improper, unsolicited, unwarranted, and incorrect basis to close my 28 year account with Conoco Phillips during which I never, ever was late or missed a payment ... XXXX XXXX
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. (CA)

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the ( date of the Previous letter ). Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This complaint is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 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 2024-10-25
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. (TX)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/year>
Consumer complaint received 2021-03-28
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. (MS)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
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: TRUIST FINANCIAL CORPORATION (GA)

I was formerly a client of SunTrust Bank and I had a HELOC loan with them and I fulfilled my obligation of making my payments. Once SunTrust was bought out by Truist Bank, my payments got misapplied to wrong accounts and in turn, resulted in lates of 30 and 60 day Lates on all 3 of the credit bureaus. This has caused my credit score to decrease by over 100 points. In addition, I have had credit cards taken by lenders and credit limits reduced drastically. 
I have also been unable to acquire a mortgage loan or a personal loan from any lenders. Over the past 4 mos. I have been on phone calls weekly with customer service at Truist and visited two branches on several occasions to file formal complaints with a vice president in the XXXX branch in XXXX XXXX, XXXX All of this has been to no avail to getting them to remove the lates from off the credit bureaus. However, they have acknowledged their gross errors in applying my monthly payments to wrong accounts and have given me apology letters and a {$50.00} gift card. I have approximately 5 to 6 confirmation numbers to all the formal complaints I have filed with Truist bank. I have lost upwards of XXXX in credit availability, wasted money on high interest balances on existing credit cards and a couple of very good deals on some investment properties I was trying to obtain. This Bank, Truist, has single handedly ruined my financial standing. I want to be made whole again.