davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-30
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. (CA)

I have submitted a dispute with Experian for XXXX XXXX University, it is reporting a bad debt starting in XX/XX/XXXX. I last attended this school in XXXX, no balance when I left and I have student loans which covered the cost of the education. I have not been been contacted by the school in XXXX, XXXX, XXXX, and XXXX on a balance. Experian has confirmed the debt but I have not been able to confirm at all with the school and the school has not provided proof of the debt, this debt is inaccurate and needs to be removed, thank you for your help!
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I have reached out to experian and XXXX to update my credit profile and remove inaccurate and fraudulent addresses, names and other information from my credit profile and they have refused to do so. i asked them to delete all of the following information and they have refused. XXXX XXXX XXXX XXXX Mi XXXX, XXXX XXXX XXXX Mi. XXXX, XXXX XXXX XXXX XXXX Mi. XXXX, XXXX XXXX XXXX, XXXX, Mi. XXXX, XXXX XXXX XXXX XXXX, Mi XXXX. These addresses are inaccurate and fraudulent and they need to be removed. These names are inaccurate and need to be immediately removed, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-11-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (GA)

XXXX is not the secure and safe money transfer service that they claim to be. Because of the fact that it is OWNED by the major banks including my bank ( Truist ), one is lead to believe that the service would come with the protections that your other banking services do. This is NOT the case. In fact, though not clearly stated anywhere in the XXXX term of service, there is a small clause that states that " transactions authorized by the sender are not protected '' and that the primary purpose of the program is to ONLY send between family and friends that you know. 
On Tuesday XX/XX/2021, I was looking for tickets to the XXXX XXXX in XXXX, GA. I live in XXXX and am a huge XXXX fan. I am part of a large email chain of fellow retired individuals who keep in touch. I sent an email asking if anyone knew or had extra tickets for sale and posted my phone number. An hour or so later I received a call from a XXXX XXXX who said he saw the email and had tickets. They were {$560.00} for two. I was to XXXX the funds to him which I did. 
Obviously I never received the tickets and when I called the bank to file a complaint I was told it would be investigated and there would be a " good chance '' I could recover my money. It has been 14 days and I have heard nothing, received no funds and have had no call or contact from Truist.
Consumer complaint received 2020-11-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-04-09
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: Experian Information Solutions Inc. (GA)

My loan had a maturity date of XX/XX/2022. I called the company & told them I could only pay {$1000.00} for XX/XX/2022 & would pay the remaining {$1100.00} in XX/XX/2022. The customer representative told me that would be fine & no report would be sent to the credit bureau as long as the final payoff was paid in XX/XX/2022 And no late charge would be assessed. I paid the final payment on XXXX but a few days prior to that, I get a notification that my credit score had decreased like XXXX points due to my account being 30 days past due. That is completely insane & unfair on what they did to me after they said that would not happen. I have been a good, loyal customer & now have paid off the loan in full. I would truly appreciate if they would reverse that 30 day past due because it was not & that would help my credit score tremendously!!! Please Help!!!!
Consumer complaint received 2023-06-01
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: EQUIFAX, INC. (CA)

The following creditors are falsely reporting information to my credit report. 
XXXX XXXX account opened on XX/XX/XXXX and was then passed to XXXX XXXX services. 

XXXX XXXX is falsely reporting an account that was also opened without my consent or permission. The account Is reporting that it was opened on XX/XX/XXXX. 

XXXX XXXX XXXX is reporting an account that as opened without my consent or permission and is a case of identity theft fraud. The account is reporting that it was opened on XX/XX/XXXX.
Consumer complaint received 2020-11-19
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. (UT)

XXXX has admitted to using the EOSCAR system but failed to provide if they verified the account responding back to the CRAS XXXX, XXXX, EXPERIAN using all relevant physical documentation to the credit reporting agencies. THE EOSCAR system is NOT built to comply with the REAL FCRA code. NOR is it built to allow the DATA FURNISHER XXXX XXXX THE SUBSCRIBER to the EOSCAR software to respond sending physical relevant documentation back to the CRAS. Therefore, there is NO real investigation. This is all an illegitimate scheme to offset any real investigation of verifying accounts. I will seek litigation for this negligence of abusing the system.
Consumer complaint received 2020-11-19
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. (MS)

I have been trying to request to credit bureaus to remove inaccurate report from my credit report but no changes has made. The late payments are still showing up in their monthly report. I was never late on my payments and always paid on time. These inaccurate reports is affecting my job and livelihood.
Consumer complaint received 2020-11-19
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. (MS)

I have been trying to request to credit bureaus to remove inaccurate report from my credit report but no changes has made. The late payments are still showing up in their monthly report. I was never late on my payments and always paid on time. These inaccurate reports is affecting my job and livelihood.
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

XX/XX/XXXX, I made a purchase from XXXX using their automated telephone service. They added on multiiple fees that were not upfront so when i finalized the transaction it was much more money that I had intended to spend, the total amount was {$430.00}. Immediately after, I called back and requested to cancel the transaction. I was told by the representative that I could not cancel. I then immediately called my credit card company ( Citi Cards ) and told them I wanted the transaction cancelled, no merchandise or services were exchanged. The Citi representative told me I had to wait for the transaction to 'post ' before they would dispute my charges. On XX/XX/XXXX the charge finally posted and I opened up the dispute. XX/XX/XXXX I got an email that the dispute was resolved but no information was posted to my account, i had to wait until XX/XX/XXXX at which time I was informed that they found in favor of the merchant XXXX. In their statement, XXXX alleges that I was informed of their non-return/cancellation policy but in fact i was not provided that information at the time of purchase. I only found out about it when they submitted it as a defense. I sent Citi Cards a page from my mobile account showing the phone call log where i attempted to cancel the transaction and then immediatly called Citi Cards. Citi told me that was not enough evidence and XXXX refused to cancel, they threatened that if i called my credit card company to cancel the transaction that i would never be allowed to use their services again, at which i responded that i didn't care about ever using them again. XX/XX/XXXX, i got an email from XXXX, it says that the 'seller ' has not received the tickets and therefore can't give them to XXXX to give to me. So two things, firstly, XXXX is selling merchandise/service for something that they DONT HAVE, they are selling something that the seller doesn't even have! Secondly, this is in fact ticket scalping and ticket gouging, getting tickets and reselling for prices far beyond their actual value. I submitted this new information on to Citi Cards and they still will not protect my purchase and cancel the transaction. I was charged {$430.00} for two tickets, on XXXX you they are selling for {$100.00} each. They charged more than double the price and they are not premium seats.
Consumer complaint received 2021-10-04
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. (WI)

There is a mortgage in the name of XXXX XXXX XXXX held by XXXX XXXX. This mortgage is the responsibility of my ex-wife to pay as part of our divorce. About a year ago this appeared on my credit reports. I had no idea what it was at the time, and reached out to the company. This is a 50 year mortgage, and yes, you are reading that right, a 50 year mortgage on my former home in Virginia. 
My ex-wife has been frequently delinquent in making the payments. In all these years, I have never seen or heard of this. It has never before appeared on ANY of my credit reports before last year. 
First, to clarify, my legal name is XXXX XXXX XXXX, not XXXX. As these credit reporting agencies can confirm, I have never been late or defaulted on any of my payments to anyone. There were a few negative entries on my report, which I satisfied in 2015 or there about. Since then, my credit has been spotless in regards to meeting my obligations. I do have a sizable credit card debt, which I have been paying down, and again, have never missed a payment, not on a card, my home or my car loan. Never. 
I have tried to get clarification on this 50 year mortgage from XXXX, which apparently took over this mortgage from their acquisition of XXXX XXXX. I always received the same reply. That they were looking into it. Besides the fact that this could be construed as a predatory lending practice, that is another issue, but tied to this, as they reported this mortgage to the major credit agencies attached to my reports. 
Just to explain why it has taken me so long to do anything about this, I have no desire to cause injury to my ex-wife, or my daughter, who also lives in the home. Basically, in regards to this mortgage, I am in kind of a XXXX situation, as I know nothing about this mortgage, nor any other detail other than the length. No origination date, interest rate, nothing. 
To come to the point, I want all references to ANY reports with the name XXXX XXXX removed from my credit. This is not my legal name, nor are there any obligations that I have in the name XXXX. I go by XXXX on some ( if you went through life with the name XXXX XXXX, you would appreciate why. ) but mostly XXXX, my legal name. I have tried to work with the big three reporting agencies, but to no avail. 
This reference to XXXX XXXX has totally trashed my FICO score unjustly. They can go back and see that this XXXX reference NEVER appeared on my credit report prior to last year. 
All I am asking for is anything in the name of XXXX or XXXX XXXX XXXX be removed, and my credit score revaluated based on my true and current credit history.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

My credit report is still reflecting an old account which should have been deleted as of XX/XX/XXXX. My conns account was opened on XX/XX/XXXX and by law of seven years it should be removed from my credit report. I have talked to several agents and can not get them to remove this even after they say they will
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC ()

On XX/XX/XXXX, I sent an email to my point of contact Mr. XXXX XXXX at XXXX, in order to request a refund of {$7800.00} USD that I was told by XXXX XXXX XXXX which is the company that initially processed the loan. 

I have tried to communicate with Shellpoint several times by email and phone calls in order to get an answer. However, I have not received clear information. They say they have not received the requested document ( Settlement Statement attached to this complaint ), but I am sure I have sent them this document 3 times. 

Please, I request that the money mentioned above be refunded. Also, I would like to know why the regular payment of the mortgage increased from {$2400.00} to {$2900.00}, because as I understand, this amount was going to be fixed during the life of the loan. 

I really feel uncomfortable with this situation and I would like to make a formal complaint Best regards, XXXX XXXX
Consumer complaint received 2022-06-29
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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 an account without my written instructions.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. Collections West, Inc. (AZ)

I recently came to a settlement agreement with company " US COLLECTIONS WEST ''. Part of the agreement was that US COLLECTIONS WEST would delete this account from my credit reporting after my payment successfully went through. Well, my payment went through and it has been over 30 days and it is still reporting on my credit. This account needs to be deleted asap! Please see the attached settlement agreement.
Consumer complaint received 2024-08-11
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. (SC)

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, data furnishers are required to provide complete and accurate information to credit reporting agencies. Reporting an incorrect or inflated amount, particularly after a charge-off, constitutes a violation of this statute. If the balance includes fees, interest, or charges that are unlawful or inaccurately represented, it must be corrected or removed from my credit report. 
Violation of the Fair Debt Collection Practices Act ( FDCPA ) Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e ( 2 ), debt collectors are prohibited from making false or misleading representations about the amount, character, or legal status of a debt. If the reported amount includes unlawful fees, interest, or other charges, it is a violation of this federal law. My rights have been violated under the Fair Debt Collection Practice Act and Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX  XXXX XXXX Balance {$4900.00}.
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC. (VA)

I was served a civil claim for money from Midland Credit Management. You should be familiar as a simple word search for " Midland '' in your system returns over 1600 complaints. That is only in the debt collection category. Initially I went online to pay the debt but with the pending court case I decided to call instead to make sure that the case would be dropped if I paid the debt. I called Midland on XX/XX/2021 at XXXX. I was advised by XXXX XXXX that for a payment of {$850.00}, my debt would be settled-in-full, that I would receive a letter stating this and that Midland would file a motion to have the judgement dismissed. I paid the amount in good faith and Midland has not upheld its portion of the agreement. On XX/XX/2021, I checked the state website and saw that the case was still active and no motion had been filed. I called Midland and spoke with a gentleman named XXXX XXXX who told me Midland had no intentions on filing the motion prior to the court date or providing any documentation that the account has been settled in full. I advised him that this is what I was told and that is why I agreed to settle otherwise I would have gone to the court and made arrangements with the attorney. Mr. XXXX stated that the " only way '' to dismiss a case is to show up and do it in person. I advised this is not true. you can file a motion prior to a case and the he was again being deceptive. I made it very clear to XXXX that I did not want a judgement and wanted it dismissed. XXXX told me that for {$850.00} a motion would be filed as soon as the payment cleared. The payment has cleared and no motion has been filed. XXXX also advised me that the {$850.00} would settle in full yet, the website shows they are still after the remaining {$94.00}. The website does not make mention of my payment though. In fact it states there is no payment history. Of course there was a payment made. How else did my balance go from {$940.00} to {$94.00}? Lastly, XXXX stated that the company would update their website to show the balance has been steeled in full. I specifically asked this question because I was leery of giving away {$850.00} without any sort of reassurance that the company would follow through. It turns out my concerns were correct as Midland has not followed through with any of these items. This is a violation of both UDAAP and FDCPA.
Consumer complaint received 2020-11-19
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. (TN)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications regarding the investigation results. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and have yet to receive any response.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Removing Freeze from Experian way to problematic. The phone system is circular. who is writing letters when you can fix somewth9ng over phone or digital. The security questions do not take into consideration mortgages are sold so it is very possible one will not know the new mortgage company name. a live person option should be mandatory. 

The consumer needs better choices.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BOEING EMPLOYEES CREDIT UNION (CA)

On XXXX - 2021 I went into the branch at Boeing Federal credit Union in XXXX Washington I opened a personal checking and savings account along with a credit card which I was approved for in the amount of {$27000.00}. When the card arrived I tried to activate it however I wasnt able. I called in and tried to speak to a representative Who was very rude and very abrasive.And she ultimately wanted to know my race which I dont understand how that please as a criteria for my approval or my relationship with the bank. They asked me to submit in documents which I did .First they told me it would take 24 hours then they told me it would take five business days then they told me it would take seven business days and I keep getting the runaround from these representatives at this institution which is very unprofessional to say the least.My credit report clearly states that this account is open and in good standing so I should be able to utilize this credit which was granted to me.