davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-20
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: ID Analytics, Inc. (MA)

I have a complaint against XXXX regarding a item I have disputed on my credit report numerous times..My most recent dispute was received with the results from XXXX on XX/XX/2020 ..Account XXXX from Child Support Enforcement Status Remains Unchanged and Information received Certified.The account is listed as Negative /Derogatory. I spoke to New York State Child Support Enforcement and they said this account was not reported to the credit bureaus because I never had a balance or a past due amount..the account was transferred from another state South Dakota thru interagency communications to New York by error and then almost within a month transferred back to South Dakota from New York per their request..then the account was closed with XXXX balance in New York..New York State sent me a statement showing XXXX original balance and no balance due or late..I submitted this information to XXXX but they keep reporting on my Disputes that the State of New York is verifying it was a ChargeOff /Collection and Derogatory.
Consumer complaint received 2022-03-07
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. (NC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-20
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. (MA)

I have a complaint against XXXX regarding a item I have disputed on my credit report numerous times..My most recent dispute was received with the results from XXXX on XX/XX/2020 ..Account XXXX from Child Support Enforcement Status Remains Unchanged and Information received Certified.The account is listed as Negative /Derogatory. I spoke to New York State Child Support Enforcement and they said this account was not reported to the credit bureaus because I never had a balance or a past due amount..the account was transferred from another state South Dakota thru interagency communications to New York by error and then almost within a month transferred back to South Dakota from New York per their request..then the account was closed with XXXX  balance in New York..New York State sent me a statement showing XXXX original balance and no balance due or late..I submitted this information to XXXX but they keep reporting on my Disputes that the State of New York is verifying it was a ChargeOff /Collection and Derogatory.
Consumer complaint received 2023-01-30
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. (SD)

my XXXX XXXX card was canceled and closed on XXXX, I've disputed this with all 3 credit reporting Bureaus and they will not fix this and are reporting a balance of over {$4000.00}, it was a secured credit card that never actually held a balance but now even after several disputes and calls they will not fix it, I've contacted the bank and they agree that it was closed, and I have a screenshot of the chat with the bank with them stating when it was closed.
Consumer complaint received 2020-10-16
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: Experian Information Solutions Inc. (CO)

XXXX XXXX  XXXX XXXX continues to mark my credit report as 30 days late even though my online records show the on time payment was definitely made from my XXXX checking account. I don't deserve this mark on my report and even though I've explained this to them as well as file a dispute with all of the major credit agencies, they refused to remove the incorrect information and continued to apply penalty late fees.
Consumer complaint received 2021-10-14
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. (OK)

My credit report on equifax only for many months has shown a credit card from XXXX XXXX which I have never had a card from. 

This card does not show up on XXXX or any other agency. When speaking with equifax, they indicated I had to speak with XXXX XXXX about it. 

I have called multiple numbers at XXXX and have been told by many departments they can not find my social, my old addresses, my name, and birthdate, or any other information, however when Equifax checks ( With whom I have filed multiple disputes ) they say that XXXX is reporting I do have a card with them. 

I have even sent a certified notarized statement that I do not have a card with them. 

I do not know what else to do.
Consumer complaint received 2022-11-19
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-20
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. (CA)

Experian continually fails to process disputes. I have submitted and resubmitted disputes ( requests for investigations and reinvestigations ) several times through the CFPB portal and Experian continually claims it is not being submitted by me even though I provide all the correct identifying information which includes but is not limited to my Driver 's License, Social Security Card, and recent Utility Bill in my name. If I try to submit these disputes via US mail, they get ignored by Experian. When it comes it submitting disputes via Experian.com, they do not allow you to dispute inquiries and so you can't submit anything. 
XXXX Experian, please process the dispute that is attached to this complaint. Failure to process the dispute and investigation ( including any reinvestigations XXXX requested will result in a lawsuit in small claims court. Thank you.
Consumer complaint received 2020-11-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America mortgage We have been trying to pay for one month deferral on our mortgage, because we are refinancing with a much better rate and the new mortgage company wants us to pay for the deferral payment before funding. I have contacted BOA and have been on the phone with them for more than 20 hours in a period of 2weeks. They have taken my money that was promised to be posted to deferral payment and posted it against my next month payment. Now they are saying they might not have a way to pay for the deferral until the end of your loan period, They have fill out numerus request form to fix this issue but it has not happened yet. PLEASE HELP XXXX and XXXX these are the escalation numbers.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA (TN)

Hello, I'm sorry I can't remember the dates but I had a credit card from the Bank of Omaha. I had other credit cards from other companies also, my credit was great at 800+. I had received checks from BoO saying I could use them and the interest would not start for 6 months and then it would be a very low-interest rate. My HVAC went out and I had to have a unit. I used one of the checks and then the bill came in. They had added it to my account at the regular interest rate. This made my minimum payment skyrocket. For this card alone, my minimum payment was {$250.00}. I only had Social Security and before this, I managed to pay over the minimum for all my cards. I called and spoke with the company and they denied that the checks they had sent said this. At this time, I had more checks and proof that it did indeed say that. I no longer have these. 

I couldn't make my payments and I didn't know what to do. I contacted all my credit cards and all of them except BoO and XXXX agreed that I could make a lower payment and get caught up. But considering that BoO and XXXX wouldn't let me do this, I still couldn't make my payments. A company called me and said they could help me and get all my cards paid off in four years. Well, that didn't work out as they were going to keep the money I sent in every month and then " make a deal '' with all the credit card companies. 

A few years later BoO sued me, and the court date was put off due to COVID, It was re-set, and then it was canceled again. I had no idea when my court date was then. Then I got a letter from BoO and they had put a lien on my house because I hadn't shown up in court. How could I when I had no idea when it was? I had previously called the Attorneys that were listed on the paper and never got an answer no matter when I called. 

This whole problem, ruining my credit and all the rest was their fault for sending me checks and offering me promotional rates that I never received. Then taking me to court and did not let me know the date to show up. 

Now, my credit is ruined, and only recently did I get another Credit card. XXXX XXXX took a chance on me and I'm back to paying my cards as agreed even though the APR is astronomical. I pay more than the minimum every month. I could have paid off the cards that I had then if only BoO and XXXX would have given me the chance. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-04
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. (IL)

I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( Transunion ) credit report. I recently retrieved my credit report and it showed ( 53 ) credit inquiries that I have no knowledge of ever authorizing. 
I am writing to dispute the following inquiries and asking for their removal from my credit report.Transunion has not responed to any of my letters.By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this investigation within 30 days of receipt of my letters. 

Thank you for your time and help in this matter. 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXI Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX. XXXX Date of inquiry : XX/XX/XXXX. XXXX  XXXX Date of inquiry : XX/XX/XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2020-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (FL)

A request from XXXX XXXX was submitted to NFCU to transfer rollover XXXX monies to XXXX XXXX. NFCU sent the check to the wrong address and put the wrong name on the check. They have not made any attempt to get the monies back and they are just waiting for something to happen. I am out {$12000.00} and have no idea when I can get NFCU to complete the requested transfer to my account at XXXX XXXX to buy a XXXX annuity Can you get them to act on their mistake.
Consumer complaint received 2022-07-02
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)

Debt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. 

I filed a dispute on XX/XX/XXXX with CFPB due to I mailed in a dispute on XX/XX/XXXX disputing multiple accounts and thus far one of the accounts XXXX XXXX XXXX as Charged off The account info was paid in full, but still shows and was updated as Charge off status on my Credit Report. Account details below : Account Number : Ending in XXXX Original Creditor : XXXX Amount : {$140.00} Payment Date : XX/XX/XXXX XXXXXXXX Account ID : XXXX Confirmation Number : XXXX
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 


Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I been trying to pay my bill with comenity and they keep saying theyre trying to solve the problem its been down for past week and they still havent fixed it yet im thinking this site is fraud and using us for its benefits and going to charge us and ruin our scores even though THEY ARE THE PROBLEM
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: Experian Information Solutions Inc. (TN)

15 USC 1681 section 602A I have the right to privacy 15 USC 1681 section 604A It also states a consumer reporting agency can not furnish an account without y written instructions
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

On XXXX XXXX I sent a letter regarding unauthorized inquires on my credit report, to this day I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. This should be taken into a serious matter. Since they do not have my authorization nor verbal, I ask that you DELETE these unauthorized inquired from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to section 604 of the Fair Credit Reporting Act permissible purposes of consumer reports 15 U.S code b 1681b in general. I demand that you delete these inquires/ accounts immediately or I will file for LITIGATION due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands of the wrong breach.
Consumer complaint received 2022-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (NY)

XXXX XXXX has changed their app security and is putting millions of customers at risk. There is a digital wallet on the app store that can easily be scammed now. The app permissions in app details has been removed and the only details regarding security come from the developer, which malicious app devs will lie about. This will lead to various scams. The supposed data safety is just whatever the app dev says and even the encryption is not verified, so anyone can lie and say they are storing in the best encryption while selling financial data hacked from the phone as we do not know permissions an app is using. Many malicious permissions can't even be disabled in settings, like run at startup and run in background. It is easy for XXXX to list these permissions as it is in the app manifest, and they obviously removed to try getting cautious users to download app with unnecessary permissions that may be malicious. 
Please force XXXX to add the permissions requested for an app to the app details in the XXXX XXXX
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I paid this fraudulent loan and fee balance off in XXXX. They reported to credit agencies in XXXX that I did not pay in full. They also reported untrue information about my payment history, making my credit score drop 83 points! I am also filling another complaint about the fraudulent loan practices and so called late fees this company engages in that have ruined my credit in the past. This company need to be investigated for its dishonest practices.
Consumer complaint received 2020-11-20
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. (MI)

Letters were send XXXX XXXX Letter sent XXXX XXXX Called XXXX XXXX Called XXXX XXXX Unauthorized inquiries on report already have fraud alert on report and victim of breach information keep getting they have not recieved letters and they cant do anything
Consumer complaint received 2022-08-20
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. (NY)

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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A. Section 2 : It states a consumer reporting agency can not furnish an 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 crime with antedates the report by more than seven years. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX