davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-26
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. (LA)

On XX/XX/2020 I submitted documentation and a Dispute letter for unknown and inaccurate accounts on my credit report its over 30 Days now but I haven't received any response yet. I was a victim of XXXX data breach. Need to remove those unknown and inaccurate accounts or I will file litigation.
Consumer complaint received 2022-04-12
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)

I paid my mortgage and second mortgage off in XX/XX/2022. I sent the payoff notice to the credit reporting agencies and there has been no update. Experian and XXXX returned the dispute as certified correct. Which is a violation of the FCRA and was in fact incorrect. The information has been submitted numerous times and no update.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2021-08-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2022-04-12
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. (CT)

Im not sure if I am complaining to the appropriate entity. However I am getting nowhere with the XXXX ( XXXX XXXX ) nor Experian. I have a credit card debt with XXXX XXXX that I do not dispute, it has been on my credit report since XXXX, On XXXX XXXX I called and set up a payment arrangement with the creditor, and my first payment is due on XX/XX/XXXX. I have been monitoring my credit very closely for the past year in hopes to be able to purchase a home. All of a sudden today XXXX XXXX I get a message from experian saying that the creditor has flagged my account and therefore my XXXX XXXX has gone down XXXX points. The creditor says that have changed nothing in the way they reported this month than they have done in the past and dont understand why my score would have been affected as nothing has changed. I have tried to contact Experian but get caught in the loop of voice prompts. I am not sure f this is something that your department can help with or possible point me in the direction of the people I need to speak wih. 

Thank you
Consumer complaint received 2023-01-12
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. (GA)

I reported to all 3 credit bureaus that I had a paid service to remove all debt from my credit in 2018 and this was not done when I pulled my credit reports. I filed disputes with credit bureaus about this and nothing was done. They denied my request without properly investigating my case and I know they used E-Oscar system. They did not do a thorough investigation at all. 

XXXX  XXXX XXXX Credit cards that were in my name not the one I am an authorized user on. 
XXXX XXXX Cards XXXX XXXX Bank Loan XXXX XXXX The credit bureaus are in violation of Section 623 of FCRA. 


Thank you.
Consumer complaint received 2022-02-21
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: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. why these items should be deleted are indicated below : Item # XXXX XXXX XXXX Reason for Deletion According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Consumer complaint received 2024-11-04
Product: Credit reporting 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 am distressed that you have included the information below in my credit pro-file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible ac-curacy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( l ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit re-port. 
Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable ac- counts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-05
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC. (MI)

Identity theft on XXXX, XXXX XXXX accounts and tried to use stole credit XXXX issued toe from XXXX XXXXf XXXX XXXX And all other types of illegal crimes and the police are involved as well.
Consumer complaint received 2021-11-24
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. (PA)

The XXXX account listed on my credit report has been cancelled. The bank issued a XXXX and the account has been filed as earned income. Since the account has been filed with the XXXX the account status is now earned income. INCOME IS NOT REPORTED ON CREDIT PROFILE. PLEASE DELETE IMMEDIATELY. 

This is a violation of XXXX XXXX XXXX XXXX - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

If account is not DELETED IMMEDIATELY I will take legal action to for negligent or willful noncompliance with the law. 


I AM NOT A CREDIT REPAIR COMPANY
Consumer complaint received 2023-05-26
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2020-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, My name is XXXX XXXX and I would like to share an occurrence that happened to me while conducting business with Bank of America. I hope that you are able to help me investigate my claim further because Bank of America has stated that I can no longer file any additional claims regarding my case. I really hope that you can help me. 

XX/XX/XXXX I went to Bank of America XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to deposit {$5000.00} in cash. The branch was not open so I used the ATM machine to deposit my cash. The ATM ID is XXXX. My ATM card and cash were inserted into the ATM. The machine jammed as it was counting the cash I inserted. I called customer service to file a claim. I was on the phone with customer service for 40 minutes and stood in front of the ATM for the duration phone call. I was told that the machine will reset itself and my ATM card and cash would come back out after 15 minutes. After the ATM reset, only my card came back out. The cash I deposited did not come out, nor did any receipt come out. I was told by customer service not to worry, and no more money could be inserted into that machine until the machine was looked into by BOA. I was issued 2 temporary credits. The first credit was issued immediately for {$300.00}, and the second credit was issued for {$4700.00}. 

XX/XX/XXXX I received a call from BOA telling me that my claim has been denied. I escalated my claim and it was denied again on XX/XX/XXXX. I was told that after further investigation, it did not appear that my body language appeared as if anything was wrong when I was using the ATM, and also that no additional funds were found after auditing. After the credit was denied again and having the temporary credit revoked, my checking account now has a negative balance. After some review, the bank only rescinded the second temporary credit of {$4700.00}, and did not rescind the first credit of {$300.00} which I thought was weird. BOA is saying that I have to bring my account back to a positive balance by XX/XX/XXXX. If not, the negative balance would be sent to collections. I have been in touch with customer service every 2-3 days since, and I was finally told that I could not file a claim or escalate this case anymore. 

I hope that you are able to help me investigate my case further, as {$5000.00} is a lot of money for me. I am also not doing too well financially and I hope that you can help me look deeper into this case. I trusted the bank I was using, I used the ATM according to BOAs guidelines, and I was on the phone with someone during the whole process and followed the guidelines, but now I am out {$5000.00} from using BOA. 

Thank you
Consumer complaint received 2022-04-12
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. (NM)

Experian shows a HELOC account which was paid off and closed by the bank as still being open with a large balance of {$170000.00} on my account. The bank has not been helpful and has closed off my online banking access to my statements so there is no documentation that I can use to prove that the account has been paid in full and closed. 
I filed a dispute with Experian, reporting that this debt is not owed, expecting that the inquiry from Experian would prompt the bank to report that the account is paid in full and closed. Within a few days, Experian reported that the bank indicated that the information as reported is correct, which it is not. I called Experian and was told that my only options were to file another dispute ( for what purpose I do not know ) or to contact the bank ( which I have already done and which they have done but have not gotten corrected information for my credit report ). I was also told that the bank did not have to provide any proof that the debt was owed. Clearly, no investigation was done by Experian about the validity of this debt which remains on my credit report. 

I asked who I could file a complaint with about this credit reporting issue and was told that Experian did not have that information and that they had no obligation to tell consumers where in the federal government they could file a complaint. I asked to speak to a manager and was on hold for quite a while before I was told that he could not find a supervisor to talk with me and that he had no obligation to tell me where to file a complaint about Experian.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Yamaha Motor Finance Corporation USA (FL)

Due to Covid in 2020 I lost my job and I called to arrange payments with YAMAHA MOTOR FINANCE COR and I was told that those months that I couldn't pay will be moved and added to the end of the loan. and not late payment will be reported due to the Pandemic situation. that was XXXX, XXXX and XX/XX/ 2020 account number XXXX
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ROBINHOOD MARKETS INC. (MS)

Robinhood took {$2300.00} from my checking account. I have been unable to get my money back. Which made my account go into the negative. The bank closed my account and now has filed with the county to get the negative amount from me. Which its not my fault its robinhood.
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (FL)

Subject : Request for Removal of Inaccurate Account Information Dear Experian, ACCOUNT XXXX I am writing to formally dispute the accuracy of the information reported by Shellpoint on my credit report. 

On XX/XX/year>, I sent a certified letter directly to XXXX requesting the following information : A complete transaction history associated with this account. 
Payment history showing that the reported information is accurate. 
A copy of the signed original contract. 
Despite my request, XXXX did not respond to my letter sent by certified mail. 

Attached, you will find my return receipt from the certified mail, proving that XXXX received my dispute but failed to respond. Additionally, attached is a copy of the letter that was sent to XXXX. 

Considering XXXX lack of response and failure to provide the requested information, I am requesting that Experian remove this account from my credit report as it violates accurate reporting requirements. 


Sincerely, I am requesting that Experian remove this account from my credit report as it violates accurate reporting requirements under the Fair Credit Reporting Act ( FCRA ). The FCRA, codified at 15 U.S.C. 1681 et seq., mandates that consumer reporting agencies must ensure the accuracy and completeness of information reported. Specifically, under 15 U.S.C. 1681i, if a consumer disputes the accuracy of any item of information contained in their file, the agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file within 30 days of receiving the dispute. 

Failure to comply with this request may result in further action, as Experian would be in violation of the FCRA, which mandates the accuracy and completeness of information reported to credit bureaus.
Consumer complaint received 2020-11-26
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: EQUIFAX, INC. (FL)

In 2017 after Equifax had the worst security breach in history, I was a Victim. To this day with over 18 Inquiries I have been trying to correct for six months now no no avail. I even contacted XXXX to have the fraudulent inquiries removed from my Equifax credit report and a month ago they agreed. Equifax also agreed and nothing even gets done. In fact do you want to hear something so crazy? Equifax has an internal error in their database called Credit Splitting that happens as they have discussed with Equifax, when a consumer report gets too large in data. Giving the lender only half of the information and hurting or coming in the way of the application process getting approved.
Consumer complaint received 2022-06-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

On XX/XX/XXXX, my wife made a payment at XXXX on the last day before the XXXX payment would be considered 30 days past due. My wife and I were tending to a medical emergency on that day and the days preceding when this occurred, and while payment should have been made much sooner than the XXXX hour, it was an extraordinary circumstance that has now affected both our credit reports. We've worked hard to pay our bills on time and to maintain credit reports with excellent credit payment history. We've been customers with XXXX for nearly 5 years and have always paid on time. This is the first time this has occurred, and it was only an hour past the deadline. We called Nissan XXXX and were told there was nothing they could do and for us to file a dispute via a letter. We are flabbergasted and just disheartened because we've worked so hard to make sure our bills are always paid. We are planning to buy a house, as we've lived in the same apartment since XXXX and this is just devastating to our credit report and score. 
We are submitting this letter to get this late payment removed from our credit reports. Weve been loyal customers, as weve paid off two vehicles and this our third through XXXX and own another XXXX financed through our bank. 
We are humbly requesting that you review our case and help remove this late payment from our credit report.
Consumer complaint received 2022-01-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NC)

I have student loans through XXXX and have been paying on them up until the forbearance started. I was also enrolled in the public service loan forgiveness program however XXXX changes the status of the loan stopping my enrollment in the public service loan forgiveness program. I tried to fix the situation however was unable to start back in the program. Now I have to reapplying for the public serXXXX loan forgiveness program. XXXX has switched my loans over several times and remains unclear on if I have been excepted back in the program or what else needs to be done for me to get credit for the payments already made and if I they will count when I am back in the public service program I have been working in public services for over 18 years and feel that I have been steered in the wrong direction in the attempts to pay off my loans.
Consumer complaint received 2022-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (AZ)

Collection company : MRS BPO , LLC Creditor name : XXXX  I believe this is a phone account originating in Texas. I have never lived there in my life. Also, the account is under my birth name. I haven't used that name in more than twenty years. 

I contacted XXXX approximately 8 months ago and was told they'd remove the account. It in now on my credit reports and my score has dropped XXXX points.
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX