davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went to the Bank of America on XXXX and XXXX XXXX on XX/XX/XXXX to withdrawal funds for bills. The next day I noticed my withdrawal was different from others with a weird XXXX ID and number. I also noticed that same day, XX/XX/XXXX that a withdrawal of {$480.00} came out of my account and that there was a transaction represented by {$0.00} which was a balance check which I never do because I have the app to verify my funds. I thought it was strange and maybe I transferred some funds or something, did think to much of it at the time. Then a week later, I noticed another transaction while we were getting the kids ready for their online classes, that another transaction a withdrawal for {$780.00} was taken out following the same trend of balance review and then withdrawal. So on two occasions unauthorized withdrawals were taken from my checking account. On XX/XX/XXXX for {$480.00} and again on XX/XX/XXXX for {$780.00}. Each withdrawal was preceded by a balance review before being taken out of my checking account. When I first contacted the Bank of America fraud department it seemed like they understood I was a victim of fraudulent or suspicious activity. They lady helping me checked the locations of the withdrawals and they were in XXXX and XXXX, XXXX XXXX. I live in XXXX XXXX, CA which is 30 or more miles away and rarely live the house due to COVID-19. She placed my claim. I received a letter with a broad explanation that my claim was canceled. I called the fraud department back, and mentioned this. The lady that helped me the second time said I was being viewed as lying about my claim and that they were not paying me back my funds. Then proceeded to tell me they are to busy to verify claims if they dont sound reasonable enough. I explained to her there is no way I pulled that money. I havent been to XXXX  in years and my bank is less then 1 mile from my home. I have witnesses and class room XXXX  videos that place me at home during these withdrawals! I am on the verge of filing a police report against the bank, this will possible encourage them to check their cameras. I shouldnt have to go through this just because they are over whelmed with fraudulent activity! They are a national bank, they should have the proper systems in place to help and secure their users funds! I have witnesses and class room XXXX  videos that place me at home during these withdrawals!
Consumer complaint received 2021-04-27
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: Experian Information Solutions Inc. (MI)

I have sent several dispute letters ( l ast two disputes sent were XX/XX/XXXX & XX/XX/XXXX ) requesting that Experian provide documentation that the alleged inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX ; XXXX CARD Dated : XXXX XXXX ; XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX. Date : XX/XX/XXXX. I asked that they provide documentation associated with these accounts bearing my signature. In the absence of any such documentation bearng my signature, i request that all accusations of inquiries be immediately deleted from their credit file under my social security number. Experian response to my dispute is " inquiries are reporting on credit report up to 2years ''. They have not provided documentation nor removed these alleged inquiries from my report. Please investigate and request the removal of these inquiries.
Consumer complaint received 2022-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

Original creditor violated a settlement agreement. Debt was discharged, successfully disputed with debt collection previously. Original creditor re-sold it. Debt is for an LLC no longer in existence and pursuing individuals for it. Fraudulently pursued - same debt multiple agencies per attachments
Consumer complaint received 2020-10-23
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)

I tried fixing this problem since XX/XX/2020 the " EXPERIAN '' did not do their job send them many requests and waited months.I had letter from " XXXX XXXX '' showing there are not reporting late payments for XX/XX/XXXX 2020.i am attaching letter as a proof from " XXXX XXXX '' I hope they fix this Chaos ASAP.
Consumer complaint received 2024-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (FL)

I am submitting this formal statement to report several discrepancies in my credit report and request an investigation into the accuracy of the information being reported by the credit bureaus. The following issues require attention : Account Status Discrepancy : The account with Regions Bank ( Account Number : XXXX ) is reported as open with a late payment status on XXXX and XXXX as of XX/XX/XXXX, but XXXX reports the account as closed. This inconsistency across the credit bureaus needs to be corrected to ensure the accurate representation of my credit history. 
Under the Fair Credit Reporting Act ( FCRA ), Section 1681e ( b ), credit reporting agencies are required to maintain accurate and complete information in consumer credit reports. The conflicting statuses may constitute a violation of this provision. 
Discrepancy in Date of Last Payment : The XXXX report lists the date of last payment as XX/XX/XXXX, while XXXX and XXXX report it as XX/XX/XXXX. The differing dates across the reports may result in inaccurate account aging and could impact the removal of negative information from my report.Under FCRA, Section 1681c, negative information must be removed after seven years from the date of last activity. The inconsistency in the reported date of last payment could affect the accurate calculation of this period. 
Inconsistent Reporting of Payment Frequency : The payment frequency is reported as " monthly '' by XXXX, while no payment frequency is listed on XXXX or XXXX. The failure to provide consistent and complete information regarding payment frequency could lead to an inaccurate understanding of my payment history. According to FCRA, Section 1681i ( a ), consumers have the right to dispute inaccurate information. The inconsistencies across the reports may indicate inaccurate or incomplete data being reported. Dispute Status Discrepancy : The dispute status for this account is marked as " Account not disputed '' on both XXXX and XXXX, yet XXXX does not report a dispute status. This discrepancy may violate my rights to ensure the accuracy of disputed information.Under FCRA, Section 1681i, when an account is disputed by a consumer, it must be clearly marked as such in all credit reports.Given the discrepancies outlined above, I respectfully request that the credit bureaus investigate these issues and ensure the accuracy and completeness of my credit report. If the information can not be verified or corrected, I request that the inaccurate information be removed in accordance with the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, 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)

I got a recent credit report after being charged high interest on a car loan for over 2 years and realized from the report that the information reported was wrong and not going back to the date I was issued the social security number and started having credit which was in the year XXXX. I went online printed my Social Security statement showing issue date of my history going back to XXXX, mailed them a copy with a copy of my drivers license Social security card, proof of mailing and a letter with a copy of the credit report sand all I got was a new copy of the credit report with the same information. I wrote back with the threat of the complaint and never heard from them, I guess this department dose n't mean a thing to them. 
My credit file shows my history only going back 3 years making it new credit with no experience thus opening the door to get charged higher interest, higher insurance rates, inability to purchase a home or get a mortgage. 
This is all a scam to get kickbacks by reporting wrong information then avoiding the issue. Furthermore all my payments are on time I have a 32 % usage of my credit limit, worked at the same job for 31 years lived at the same place for 18 years, have the same phone number for 15 years yet my score is below than a person who has a recent bankruptcy. Why?
Consumer complaint received 2015-04-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I 've been trying to get a loan modification, then short sale and havebeen denied numerous times by OCWEN even though I qualify for HEMPmodification based on all criteria. but I still get denied. I have a XXXX with OCWEN and aHome Equity Loan as a XXXX with XXXX. They are both interestonly loans. The market value of the house is about {$250000.00} andboth loans amount to approximately {$390000.00}. The house hasdeteriorated and needs costly repairs, including structural damage. 
I 'm a single mother with XXXX older children and XXXX in XXXX. 
I hold a XXXX with my employer and financialcrisis could put my job in jeopardy. Me and my children are at theirmercy for a short sale. I am left with not much options and it maycome to a foreclosure. I need any assistance I can get. thank you
Consumer complaint received 2022-06-15
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. (MD)

I have over XXXX credit inquires on all XXXX credit reports and have several times to get them removed which has impacted my credit score. I have sent letters asking to have them removed and today XX/XX/XXXX nothing has been done. 

I am writing to you for help I look forward to hearing from you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-05-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Letters were sent to both XXXX  and Transunion to dispute items on my credit report. Letter 1 also included a letter to XXXX after which the items in question were removed. The dates of letters were as follows : Letter 1 : XX/XX/XXXX Letter 2 : XX/XX/XXXX Letter 3 : XX/XX/XXXX Letter 4 : XX/XX/XXXX Letter 5 : XX/XX/XXXX XXXX  has yet to respond to any of my requests, including Letter 5 which I sent certified mail and received a signed return receipt on XX/XX/XXXX. I have seen some items removed indicating some sort of response, but never any investigation results or copies of my credit reports sent to me directly. The items that remain have yet to be properly verified. This is clearly a violation of my rights according to the FCRA and I am demanding these items be removed immediately. 

Transunion 's only response was that I supplied insufficient ID. I then supplied my ID, social security card, and proof of address that are all accurate and up to date. I have yet to receive notice that an investigation was started or see any results of an investigation. This is also a clear violation of my rights per the FCRA and I am demanding these items be removed immediately as well. 

Equifax removed all the items after letter 1 due to not being able to verify their accuracy. I find it hard to believe that the same data furnisher could not verify the items with one credit bureau but could with the other two.
Consumer complaint received 2024-09-09
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXXXXXX XXXX XXXX -Balance {$20000.00} XXXX XXXX XXXX XXXX -Balance {$100000.00} XXXX XXXX XXXX XXXX -Balance {$20000.00} XXXX XXXX # XXXX -Balance {$99000.00} XXXX XXXX # XXXX XXXXXXXX {$61000.00} XXXX XXXX XXXX XXXX -Balance {$13000.00} Unauthorized inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXXXXXX - BALANCE {$7800.00} XXXXXXXX XXXX XXXX XXXXXXXX - BALANCE {$3800.00} XXXX XXXX # XXXX - BALANCE {$6300.00} XXXX # XXXX - BALANCE {$3000.00} XXXX XXXX XXXX XXXX - BALANCE {$3300.00} XXXX XXXX XXXXXXXX - BALANCE {$12000.00} XXXX XXXX  # XXXX - BALANCE {$3900.00} XXXX XXXX XXXXXXXX - BALANCE {$14000.00} XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$7900.00} XXXX XXXX  # XXXX - BALANCE {$1300.00} XXXX XXXX  # XXXX XXXX XXXX  # XXXX - BALANCE {$4800.00} XXXX XXXX  # XXXX - BALANCE {$4400.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2020-11-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection of Wakefield Associates to report items on the credit profile. Being ill during the time of treatments, if out of network required treatment, nothing presented or explained during the time of visit. 

Pre-Authorizations are required before the visit. If practices failed prior, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Consumer complaint received 2022-06-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account this all hard inquieres : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-18
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. (TN)

In Accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  XXXX Account number XXXXXXXX XXXX Account number XXXX 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. The listed above accounts have violated my rights and tarnished my credit history, these fraudulent accounts have been added to my credit report. I tried reaching out to the fraudulent accounts and as a result nothing has been done but they keep reporting negatively.
Consumer complaint received 2021-07-16
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. (MA)

On multiple occasions I have disputed an account with XXXX, Equifax, and XXXX. The original reason for the disputes was an account was showing twice. Same account, same info, listed twice and harming my credit twice. As of my most recent dispute, XX/XX/2021, the accounts have extended beyond the FCRA 's 7 year statue of limitation for reporting. The account, or both accounts rather, by FCRA rules, regulations, standards and or laws are required to be deleted. However, as of yet XXXX  and Equifax refuse to delete the accounts. A dispute with XXXX  put in on the XXXX of XX/XX/2021, was approved and deleted within 20 minutes. The disputes put in with XXXX  and Equifax on the XXXX of XX/XX/2021 we're denied and the accounts remain. The duplicate account has already killed my credit and the longer these companies ignore the laws and rules they are supposed to follow, the longer it negatively affects myself and people in this situation. These companies should have to compensate the people they XXXX over due to their automated systems.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

On XXXX and XX/XX/2016 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-11-17
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: Lendmark Financial Services (CA)

I have try several times to reach out to Lendmark and have got no reply. In XX/XX/2020 I sent a letter asking for proof of this is account and i have yet to receive anything. Four months and NOTHING this is crazy. I'm asking for a difficult letter here only want to know about this.
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NJ)

Dear CFPB, In XX/XX/XXXX, we began closing any credit lines ( store ) that we did not need as we were purchasing a new home. 

We called Comenity Bank/XXXX to close the account. 

We asked for full balance to close the account. 

We made payment on XXXX-PAYMENT - THANK YOU -- {$420.00}. 

We paid the full balance above and requested the account be " closed ''. 

XXXX assessed a late payment in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX along with late fees charges and amounts. 

We called XXXX. They apologized and issued a letter on XX/XX/XXXX stating my account was current and there should be no late fees reflected on my account or credit agencies. See below. 

Nonetheless, my credit score has dropped 50 points right before we were buying a home and it significantly impacted our ability to buy the house via credit bureaus We lost the opportunity to buy the house. I am so upset and frustrated and want to report the behavior of this creditor and feel they owe me compensation for losing the house, ruining my credit history/score and taking significant time away from my job & career to fix this problem which is still showing as " late '' in the three bureaus -- Commenity Bank/JXXXX. What else can I do to fix my credit and file a complaint against this Bank. It is not fair and I do not have an power to fix this problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Page 1 of 2 Send Correspondence To Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX All Bankruptcy Notices/Related Correspondence To XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX Account Ending In : Dear XXXX, This letter contains important information regarding your J Crew credit card. Comenity Bank issues your XXXX XXXX credit card and we handle all account-related requests. 
We understand there was a concern regarding your credit report, which reflected a delinquency in the month of XX/XX/XXXX on your XXXX XXXX account. 
To address the concern, we have updated our records to show this particular month as current. We have notified the credit reporting agencies of the update that needs to be made to your credit report. Balances are subject to change and any updates will reflect on your credit report within 30-45 days. 
We value you as a customer and apologize for any inconvenience this may have caused. 
If you have further questions about your account, please contact the XXXX XXXX team, toll free, at XXXX ( TDD/TTY : XXXX ). We will be happy to help you. 
Sincerely, Customer Care team
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

These creditors listed are not mine, nor is the Bankruptcy. I also listed companies that have pulled my credit, and I did not authorize them to do so. I am also exempt from any student loans as I am a XXXX XXXX   XXXX and XXXXl XXXX Veteran which by law I am no longer responsible for any student loans.