davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (CO)

I finished making payments to XXXX and they said my bank reversed payments from my account which they never did ... .I paid off credit card and the account was closed. Now over a year later they are saying their system says I still owe money ... my account is closed and they removed money from my account without my permission. This is banking theft!!! 
Fortive worst credit card company I will never use them again. 
I don't have the card anymore I threw it out. 
They were also supposed to have someone call me but never did!
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

Subject : Dispute of Missing Information on Credit Report Paid Auto Loan with XXXX XXXX XXXX Dear Credit Bureau Representatives, I am writing to formally dispute the missing information on my credit reports from your respective bureaus regarding my auto loan account with XXXX XXXX XXXX ( Account Number : XXXX ). 

As of XX/XX/year>, my loan with XXXX XXXX XXXX has been fully paid, and I have received an official letter from XXXX XXXX XXXX confirming that the account is paid in full. However, this loan is not reflected on any of my credit reports from XXXX, Equifax, or XXXX, which is a significant omission. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, I am requesting an investigation and correction of this omission. Accurate and complete reporting is required by law, and this account should be reflected on my credit report with a status of " Paid in Full. '' Enclosed, you will find a copy of the letter from XXXX XXXX XXXX confirming that this account has been fully satisfied. I request that you promptly update my credit report to include this account and its accurate status and notify me once the update has been made. Additionally, I ask that you share this corrected information with the other credit bureaus as mandated by the FCRA. 

Please send me confirmation once this dispute has been resolved, and an updated copy of my credit report showing the corrected information. 

Thank you for your prompt attention to this matter. Should you need further information or documentation, please feel free to contact me. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I received a letter from the Bankruptcy Courts stating that they do not report the credit bureaus. All XXXX credit bureaus ( Equifax, XXXX, XXXX and XXXX XXXX are reporting Bankruptcy on my report which is causing financial stability for me and my family. I demand any bankruptcy reporting be removed immediately from all XXXX major credit bureaus. I have attached the letter received from the Bankruptcy court. 

Best Regards
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

DEPT OF ED/XXXX shows XXXX XXXX and XX/XX/2019 not current. {$37000.00} this info is incorrect, I was in forberance during this time. 



DEPT OF EDXXXX shows XXXX XXXX and XX/XX/2019 not current {$31000.00} this info is incorrect, I was in forberance during this time. 

I am trying toi purchase a home and this is affecting my options. Can you please correct this information please?
Consumer complaint received 2020-08-22
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. (DC)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts and inquiries that are on my credit that are not mine. I do not recognize these accounts and inquiries, and have never incurred debt with these creditors. I do not know where they came from.
Consumer complaint received 2020-08-22
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. (GA)

on 3 different occasion i have sent depute letters to XXXX, TransUnion and XXXX about 2 collection accounts on my credit report and ask that an invention be done According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). the first letter was sent on XX/XX/2020 .and it came back as validated and verified, so i sent a second letter on XX/XX/2020 asking for proof of the investigation and a copy of the original creditors documentation on file to verify that this information is mine and is correct. And there response was to up date my credit report with validated and verified with no feather information on there investigation or how it was performed. My credit report shows that the investigation was opend and closed, so i'm sending a third letter asking that these 2 accounts be removed off of my report pursuant to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .of the FCRA.i am filing a complaint with  you and asking that an investigation be done on my behave to have these accounts removed for they are hurting my credit score and preventing me from obtaining funding that i need to fund my business.
Consumer complaint received 2020-08-22
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)

XXXXXXXX XXXX XXXX has been paid off since XX/XX/2018 which I have provided the receipts proof of to Experian yet once again they refuse to remove their inaccurate information provided on this account. Experian has reported money lion as a collection account which inaccurate I provided Experian with the proof of the paid off account yet they refuse to remove this inaccurate information off of my credit report. XXXX XXXX XXXX is reported as charge off with a balance {$360.00} which is not true. XXXX XXXX is a credit union and I never got a loan from them when for I asked them to send proof of why I owe {$360.00} they never did because it is not true. XXXX is reported as a collection account {$1400.00} which is inaccurate.
Consumer complaint received 2022-08-21
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. (GA)

I disputed incorrect information on on 2 separate occasions waited the 30 days and did not receive a reposonse at all. One account was removed from my file and placed back on without any type of notice. My rights have been been violated as per the Fair Credit Act
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My complaint regards service fees charged on my Bank of America ( BoA ) checking account.. I've banked with this institution and others it acquired since XXXX. The account was long ago set up so that if there was a combined balance of {$5000.00} or more between my various BoA accounts, no service fee would be charged and this was grandfathered in as the account shifted stewardship from XXXX  XXXX XXXX, to XXXX XXXX  and finally to BoA. Starting XX/XX/XXXX, a service fee of $ XXXX was charged due to a change of terms that I was unaware of. I have consistently kept well over {$5000.00} in combined balance at BoA, so I expected no service fee. The fee itself is well concealed in the monthly statement, first appearing buried on page 5. These monthly charges persisted till XX/XX/XXXX. The total service fees amounted to {$480.00} ( 40 months x {$12.00} ). 

I am a senior citizen. On XX/XX/XXXX, I phoned BoA customer service, and a complaint on my behalf by BoA agent XXXX XXXX. A similar complaint was filed for me by BoA agent XXXX XXXX at my local BoA branch in XXXX, MA. On XX/XX/XXXX, I followed up by talking via phone to BoA agent XXXX at an upstate NY. I asked if my complaint had received a review, but none had been issued. BoA is a major US bank, and I was highly disconcerted that on both of my XXXX and XX/XX/XXXX phone calls to customer service, the wait time before reaching an agent was over 30 minutes. This alone shows a lack of fiduciary concern. On the XX/XX/XXXX phone call, the conversation was terminated prematurely when the call disconnected after 51 minutes ( 33 of which were wait time ). The prospect of a 30 minute wait to reconnect deterred me from phoning again. 

As I have met the terms that were grandfathered in from the original account, I expect BoA to return my {$400.00} in disputed service fees. If that is not forthcoming, I expect a written review of and response to my complaint to be provided to me by BoA. I am highly dismayed at the shabby way BoA treats its account-holding customers.
Consumer complaint received 2021-06-08
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. (NJ)

i have been a victim of identity theft someone used my social to open up a fraudulent account i need help to get this account removed please help me out, I have filed an ftc report also an ftc affidavit and got it notarized i hope this helps
Consumer complaint received 2023-07-22
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX 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 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 2020-08-22
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. (OH)

There is unverifiedinformation listed on my credit report. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. I am trying to get an apartment and I am having trouble because of these items on my report. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX COLLECTIONS # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

My bank has informed me that there is negative information reported by FIFTH THIRD Bank included in the file XXXX maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing a " OVERDRAFTS '' in XX/XX/XXXX. I do not recall having an account from this bank in XXXX. Please validate this information with FIFTH THIRD Bank and provide me with copies of any documentation associated with this " checking account '' bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.
Consumer complaint received 2023-12-11
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: EQUIFAX, INC. (KY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping

that these disputed accounts will be fixed as soon as possible. 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 2021-10-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Our attorney has put an offer in writing to Specialized Loan Servicing over 30 days ago, and the company has not responded to our offer. We are trying to refinance our mortgage away from this servicer due to their improper handling of our file. The balance stated that is owed to this company in their response to the CFPB is an incorrect amount and is not what has been stated on the many statements sent monthly to our home address. The balance discrepancy is over {$30000.00} plus. Their accounting methods/practices are suspect, and this is causing huge issues with refinancing when the balance owed is incorrect and forces us into a situation of being legally advised not to give this company any more money because they've committed many RESPA violations on our file.

Please be advised we did not respond in a timely fashion to the complaint which was due last week because we were not advised via email from CFPB that one was due. If an email was sent, we never received one. We've only received one email recently from CFPB, and it was only in our XXXX inbox yesterday advising us that our complaint has been closed out. So whatever is transpiring as to why emails aren't delivered timely is a mystery and more of the same fraud. More of the same with regard to reaching out to CFPB and not getting the help/assistance that is required and then our complaint is closed with no resolution. 

I will address my concerns with how our complaint was handled by CFPB with our attorney who's still awaiting a response to our offer to settle this with SLS. It seems they don't have to abide by RESPA law and your division does nothing about it for years on end and doesn't send our file to the appropriate overseeing authority to stop this fraud and abuse.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was shocked to find inaccurate accounts on my credit report this evening, and I can't understand why they're there. I checked my report like I always do, but this time, there were discrepancies that appeared out of nowhere. I even refreshed my browser, thinking it was a glitch, but the errors remained. Given this situation, I'm asking for the documents I've sent to be reviewed thoroughly so I don't have to worry about this again.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Subject : XXXX Request for Removal of Late Payment I am writing to you regarding my CREDIT CARD account number BANK OF AMERICA XXXX, Date opned XXXX 2007. I want to express my sincere gratitude for the services I have received from and for the continued support in managing my loan. 

Recently, I noticed that my credit report shows a late payment on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I fully acknowledge this mistake and take complete responsibility for it. However, I would like to provide some additional context that I believe is important for considering my request to remove this late payment from my credit report. 

During the period in question, I experienced an unexpected event. This exceptionally difficult situation temporarily affected my ability to manage my finances properly. Since then, I have taken significant steps to ensure that all my payments are made on time, and I have maintained an impeccable payment history. 

My payment history before and after this incident reflects my commitment and diligence in meeting my financial obligations. Attached to this letter are copies of payment receipts that demonstrate my on-time payment history. 

Given my effort to maintain a good account standing and my desire to improve my credit situation, I kindly request that you consider removing the record of this late payment from my credit report. Your understanding and cooperation in this matter would be greatly appreciated. 

Thank you for your time and attention to this request, and I look forward to a favorable response. If you need any further information or additional documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

So this merchant (XXXX ) on XXXX was offering to sell XXXX products at a very reduced price ( 50 % off ). After asking him about it, he told me he would sell me the method on how he did it. After purchasing, I saw that this guy had been using illegal methods to get his customers cheap products from XXXX. It involves ordering a product to a clients address, filing a return and shipping back something else in place of the ordered product. This is mail fraud and I wanted a refund for both of my transactions, however only 1 has been refunded. This guy has been using this to make thousands of dollars, as seen in the attached pictures. The method is also linked below. My dispute was closed without notice. I was told that the dispute would be resubmitted but that never happened. If there is no reimbursement given, this company is siding with the scammer.
Consumer complaint received 2022-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Tromberg, Morris & Parnters, PLLC (NY)

On XX/XX/XXXX my XXXX XXXX XXXX account was hit with a levy, initiated by a law firm that has aggressively sought to collect a credit card debt. The company, Tromberg , Morris & Poulin and its customer service agents demanded a lump sum in order to release the levy on my XXXX XXXX XXXX XXXX The company had previously looked into my XXXX account in XXXX to place a garnishment on my earnings. It has predatory practices to collect credit card debt. XXXX reviews of this law firm depict a law firm with predatory practices. 
My XXXXXXXX XXXX currently has a legal hold on a significant portion of the funds which are much larger than the actual amount of debt. 
These predatory practices must end once and for all.
Consumer complaint received 2023-07-22
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. (LA)

On XX/XX/2022, In accordance with the fair credit reporting act, this creditor XXXX XXXX  has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-08-22
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. (VA)

I recently received a copy of my credit report, The credit report showed a credit inquiry by your company that i do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless i have authorized it. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern : I have not only included the letter from XXXX but I am now going to include their faulty system in which XXXX claims they sent on time and in addition sent their billing to me at all. I never received the billing for certain months. 

To add to that as stated I have and will never be able to get in touch with anyone at this institution. They refuse to pick up the phone. I just emailed the CEO and still no answers. 

I don't know how to get protected but I can't continue paying to a company in which they are not willing to fix anything and continue to not tell the truth about a computer system that doesn't work. 

They have not done their full due diligence and it does require a lot of effort and time. They should have the resources.