davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-11
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. (TX)

I have XXXX XXXX XXXX credit card. At the beginning of the pandemic I was laid off from my job and became homeless and lost my phone. During this time I fell behind on my credit card payments. I eventually regained my phone and a place to live. I spoke with XXXX XXXX over the phone and explained my situation and what happened due to the pandemic. They explained what they could do with extending payments and forbearance and so forth. The agent advised me that if I could come up with a minimum payment of {$25.00} that XXXX XXXX would remove the late payments from my credit report. I paid the money, however they have reneged on the agreement. I spoke with an agent yesterday and he expressed concern but said he couldn't do anything. He suggested I contact you guys. I wa a victim of circumstance during pandemic, I caught up the payments and haven't fell behind since. This isn't right, they lied to me and are impacting my credit score greatly. I am unable to buy home due to this. Please make them make it right. Ple
ase.
Consumer complaint received 2022-08-12
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. (NV)

I recently a copy of my consumer credit report and noticed and error In accordance with the Fair Credit Reporting act XXXX Account 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-25
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. (GA)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 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 2022-02-10
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)

On XX/XX/2022, I wrote an appeal letter to inform Bank of America of fraudulent charges made on XX/XX/2022, with my card ending XXXX. That dispute was denied with a final decision of no fraudulent activity taking place. XXXX consecutive charges were made in the amounts of {$540.00}, {$3400.00}, {$3400.00}, and {$2000.00}. Currently, I reside in XXXX, California, these transactions were all made in Florida. The morning of XX/XX/2022, at XXXX am, I was at XXXX in XXXX, California purchasing groceries. My card was in my possession the entire time and is still in my possession today. It was after the fact that I received a text at XXXX pm, I immediately contacted Bank of America after receiving this text message, regarding these transactions. Although it was a long wait to speak to a representative, a dispute/ investigation was started at approximately XXXX pm. 

I followed up with the investigation of my account and still, Bank of America is still considering it no fraudulent activity was taken place. I asked what have they done to contact the merchant or verify these transactions. They stated it is still denied and that apparently, I had enough time to fly out to Florida and make these purchases. All these transactions were made online. No flights were purchased to Florida, and at that time I was at work and informed them if a letter was needed from my employer.
Consumer complaint received 2021-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (PA)

I applied for a Chase " Amzazon '' credit card offer ; received denial letter dated XX/XX/2021 that the account can not be approved due to already have an account of the same type, ending in XXXX. 

This is inaccurate, and I just completed a full credit report, confirming that no such card exists. Therefore, either there is an account fraudulently opened in my name or there is an error.
Consumer complaint received 2021-08-11
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)

I disputed this account with XXXX XXXX  multiple times and they kept on sending me these past statements and stating that the account is valid. I understand that they might have a valid account but this account does not belong to me and I Have been stating that since I first noticed the tradeline on my credit profile. at the time, when I called to question the account, XXXX sends me a letter stating that they never issued a credit card to me and that the error will be corrected. Fast forward to date, the account is valid and accurate?. 

I attached a letter from XXXX  dated XX/XX/2021, with a USPS stamp date of XX/XX/XXXX, XXXX the letter stated in short, that they investigated the account and confirm the debt. and that they declined my request to provide additional information to validate this debt. 
XXXX has not provided any proof that this debt belongs to me, all that they send are copies of statements that do not prove that I had access to this account, that I benefited from this account, nor did I signed for or even applied for such account. I spent a lot of time going back and forth with XXXX Bank on this matter, I would like this account blocked from my credit profile.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

Over the past few years I have had different prepaid cards NetSpend XXXX XXXX XXXX Etc I've also stayed at hotels quite frequently and most times hotels ask for a deposit I've seen when the deposit has literally been taken out of my account and when it's pending but then all the sudden it disappears as far as the whole transaction is will disappear from every account that I have and I seem to never get my deposits back from these hotels and this has been quite some time since this has been going on every time I call call the think company of whatever card I'm using they tell me I have to wait r make a dispute and then they are not even able to see the transaction so a lot of times they think I'm lying however I also called the hotel to hold that will tell me that they released my security deposit but somewhere in the system my security deposits for these hotels have been being kept and I would like to have my security deposits back now and I believe that these prepaid cards seem to have the most issues when it comes to getting your money back for example every Hotel have gone to they ask are really prefer you to not use a prepaid card because the security deposit and never really comes back which of course becomes the heat issue I'm not quite sure what to do but none of the banks seem to be helping me and I've lost a lot of money because of this please assist
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (CA)

Flexible spending credit card. XXXX XX/XX/XXXX and closed XX/XX/XXXX. Last payment made on XX/XX/XXXX. {$4000.00} owed.
Consumer complaint received 2021-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (LA)

I am seeing a negative that doesn't belong to me. I live in XXXX but I'm getting a collection account from Nebraska, this is irresponsible on part of the credit bureau. 

Collection account {$290.00} I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (IN)

This is the XXXX or XXXX time I have submitted this complaint. HSBC receives my payments and the funds are deducted from my checking account but they are NOT applied to available credit. You people have done nothing to help me resolve this continuing problem. I am asking you to do an audit of this company to determine where and how the funds are used when they are not available to me. I expect to see some action on a thorough audit. In the meantime I intend to contact my congressman to make him aware of your total inaction in this matter. I expect a communication forthwith informing me that an audit has started. Do not ignore me again. I expect action not just an e-mail telling me the company has been contacted. WHERE IS MY MONEY?????
Consumer complaint received 2021-08-11
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. (TX)

I filed for bankruptcy in XXXX. Thereafter a creditor that was included in my bankruptcy sold my debt to a debt collection company. This of course being a violation of Federal law. I alerted the debt collection company, the original debtor and Experian, XXXX  and XXXX. They investigated the claim simply updated the collection as being included in bankruptcy in XXXX but will not delete the illegal debt off my report. Despite the report stating included in bankruptcy in XXXX and the debt being reported in XX/XX/XXXX. I have tried and tried to point this out to Experian and they are either ignorant of the law or simply refusing to correct their error. Please intervene. I am trying to buy a home and this is destroying my credit score.
Consumer complaint received 2021-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (OH)

I received a bill from American Coradius International LLC stating I owe XXXX {$370.00} and I contacted XXXX XXXX and I don't owe them anything.. I spoke with a XXXX and he said they will send this to XXXX XXXX  and they will do a full investigation on this and to disgard this statement. 
The address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX Toll FreeXXXX
Consumer complaint received 2023-03-10
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. (MD)

Company is reporting inaccurate information. 
Account name : XXXX XXXX Account # XXXX High credit is lower than balance, delete account for inaccurate reporting Account name : XXXX XXXX Account # XXXX Account is being reported with an inaccurate date of last payment therefore restarts the statue of limitations There is a violation in accordant to 15 USC 1681e ( b ) ensuring maximum possible accuracy
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

During the height of the pandemic in XXXX of 2020, I was evicted in Arizona, this in violation of the rent and utility moratorium. The utility moratorium was in full effect, despite this, during XXXX of 2020 XXXX  XXXX XXXX turned over for collection utilities owed ( despite them being in a place of moratorium ) to XXXX XXXX XXXX, a debt collection company. This company is incorrectly purporting that I owe a debt. However, XXXX never tried to reconcile this debt directly with me. Also, the utility was placed in moratorium at the time. Therefore they violated the order in place by the Governor. This needs to be removed from credit reporting agency and returned to XXXX.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Company is reporting inaccurate information. 
Account name : XXXX XXXX Account # XXXX High credit is lower than balance, delete account for inaccurate reporting Account name : XXXX XXXX Account # XXXX Account is being reported with an inaccurate date of last payment therefore restarts the statue of limitations There is a violation in accordant to 15 USC 1681e ( b ) ensuring maximum possible accuracy
Consumer complaint received 2021-08-11
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. (NY)

Experian and XXXX  are still reporting inaccurate and unverified information particularly 2 bankruptcies on my credit report. Experian & XXXX  have stated that they verified this information via the court & XXXX XXXX both of which are lies, the court house provided a letter stating they do not verify any information to any third party vendor or credit bureau, a formal complaint has been filed against XXXX XXXX in which they replied they removed both bankruptcies due to not being able to verify, I have attached the letter from XXXX XXXX in which they have removed the bankruptcies. Experian and XXXX  must do the same since there is no bankruptcies to verify.
Consumer complaint received 2021-12-15
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (NY)

This company doesnt want to work with ous they are laying we told them that we are trying to refinance the mortgage and they gave me a letter till the XX/XX/2021 and they lied because the mortgage company that we are trying to refinance with they said that they filled a prefourclosure .I even head a attorney try to do a modification with them they will not do it they put ous to XXXX and we lost my mother because off them please help ous I am filling a attorney general complaint against them
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

i sent a letter to equifax on XX/XX/2021 stating that there were items on my credit report that didnt belong to me. they never responded and its been 3 months.
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have tried for almost two years to get the BofA to commit to a refi on my home without putting me through a hard inquiry and denial that will damage my XXXX FICO score. I have home improvements to make to my {>= $1,000,000} home that are important for my health, and a lower interest rate would be very helpful. My mortgage balance is less than {$300000.00}. The bank has lied repeatedly about and throughout the process. The bank sold my homes mortgage to XXXX XXXX without any initial disclosure. Their story changes every time they feel like it since the CFPB nor the OCC have any teeth to make them financially responsible for their subterfuge and discrimination. About a year ago I spoke with BofA refi specialist XXXX XXXX ( XXXX ) who told me that I could not get a refi regardless of my hi FICO score ( XXXX now ) or the fact that Ive been paying my mortgage faithfully and on time for over forty years and have no plans to move. They would not qualify me for income. The loan is obviously secured by my huge equity and I am secured by my excellent credit. How does the banks position of no refi for a XXXX responsible woman make any sense?
Consumer complaint received 2021-08-13
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 — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In XXXX, Portfolio Recovery Associated purchased an old debt of mine from XXXX. I hired XXXX XXXX XXXX to help me settle this account and a another in XXXX. 

In XXXX of XXXX, on my behalf, XXXX XXXX XXXX negotiated a " Pay to Delete '' settlement offer with Portfolio Recovery in the amount of {$6700.00}. Through XXXX XXXX XXXX, I began making on-time payments as per the agreement and completed the settlement, without ever missing a payment. 

Once the account was settled, Portfolio Recovery refused to list it as " settled '' to the credit bureaus, as a result, my credit score has fallen almost 80 points in less than a month. 

I have a copy of the settlement letter and also a copy of the payments made to them and they still dispute the account!
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-08-13
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. (DE)

Greetings. With my knowledge or consent. A family Member used my social security and information to open an account with XXXX which they let go in collections. I did reach a settlement agreement with the collection agency. However, they still have the account showing on my credit report which is severely hurting my credit. I've contacted XXXX as well as the Credit Bureau to get the collection removed from my account but to no avail.
Consumer complaint received 2022-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IN)

I saw this first early XX/XX/22 on my XXXX report and instantly disputed it. I saw that it was from XXXX XXXXXXXX years prior and I had closed this account with XXXX prior to activating the card. No attempt to contact after was made. The dispute with XXXX ended in LVNV being removed from that report, however, as of XX/XX/22 they now show as closed other accounts on my XXXX and XXXX reports. When attempting to contact LVNV and XXXX XXXX, the sites are either down or you can not speak with a live agent. Ive read multiple reviews regarding both companies and this seems to be the norm for them. I have even went so far as filing a XXXX complaint against both companies!
Consumer complaint received 2021-08-11
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. (GA)

I went to get financing for a vehicle credit. I was eager to go to the vendor until the vehicle sales rep returned into the room and educated me that he would not have been ready to make me finance for any vehicles. This got me unsuspecting I have consistently perceived the significance of having and keeping up with great record of loan repayment. So I generally gave a valiant effort to ensure I kept the entirety of my issues all together. So obviously I was brimming with various feelings when the sales rep educated me that I wouldn't fit the bill for any financing. These negative things being accounted for on my credit report are not my records. I request them be taken out. This is slander of character. This is likewise a FDCPA infringement 15 USC 1692d. Announcing erroneous things on somebody credit report adversely influences a purchaser 's standing. FCRA 15 USC 1681 states that a buyers credit report is the shopper 's standing. In the event that these things are not eliminated quickly I will look for suit. I additionally gave proof to help that I was a casualty of the Equifax information break.
Consumer complaint received 2021-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to get financing for a vehicle credit. I was eager to go to the vendor until the vehicle sales rep returned into the room and educated me that he would not have been ready to make me finance for any vehicles. This got me unsuspecting I have consistently perceived the significance of having and keeping up with great record of loan repayment. So I generally gave a valiant effort to ensure I kept the entirety of my issues all together. So obviously I was brimming with various feelings when the sales rep educated me that I wouldn't fit the bill for any financing. These negative things being accounted for on my credit report are not my records. I request them be taken out. This is slander of character. This is likewise a FDCPA infringement 15 USC 1692d. Announcing erroneous things on somebody credit report adversely influences a purchaser 's standing. FCRA 15 USC 1681 states that a buyers credit report is the shopper 's standing. In the event that these things are not eliminated quickly I will look for suit. I additionally gave proof to help that I was a casualty of the XXXX  information break.
Consumer complaint received 2021-08-11
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: Experian Information Solutions Inc. (FL)

Dear sir or Madam, I recently received a copy of my credit report, and there has been unauthorized use of my credit report. The credit report agencies are reporting information that is inaccurate on my credit report, as a result of this i find myself paying higher in interest rates. Please into resolving this matter for me, because it has caused me lots of stress, and paying higher in interest rates. 

Thank yo for your assistance.