davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
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. (WA)

I paid this card ( XXXX XXXX  ) and requested it be closed XX/XX/XXXX. This information shows on my credit report dated XX/XX/XXXX. After the card was paid, instead of closing the account as requested, XXXX Bank charged a XXXX dollar annual fee out of nowhere ( when the account should have been closed ), and charged late fees up to a total of XXXX dollars and then sold to a debt collector. This is outrageous.
Consumer complaint received 2021-10-06
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: National Credit Adjusters, LLC (CA)

I paid a debt off that showed up on my credit report in XX/XX/2020. I did not make this debt, however it was paid off due to the numerous disputes and no change. I have a copy of the receipt yet, it was never reflected on my credit report as paid. The initial company was XXXX XXXX  XXXX XXXX XXXX XXXX The debt was bought by national credit adjusters. The debt was paid as noted on the receipt attached to this claim. It needs to be reflected on my credit reports on all three bureaus. Its been almost a year since I paid and no change. Its been disputed several times and when it comes back from the credit bureau it does not reflect paid. The credit Bureaus refused to change, despite me providing proof of payment. This needs to be fixed ASAP, I have spent so much money disputing this when it should have been fixed a year ago.
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I refinanced my loan with SPS Service, Select Portfolio Servicing , Inc. thru another Company as their rate is really high. We closed our Escrow back in XX/XX/XXXX. 
I called the Customer Service, back in XX/XX/XXXX, prior to Escrow closing, I told them there was an overpayment on the account. They told me that, my account will be send to their audit department. The statement balance as of, XX/XX/XXXX, was {$240000.00}. My checking account was debited XXXX times for the total amount of {$6300.00} ( please see attached copy of my bank statements ) after XX/XX/XXXX. When we closed the escrow in XX/XX/XXXX, the Escrow sent SPS Servicing , Inc, {$240000.00}. 

On XX/XX/XXXX, I received a check in the sum of {$1100.00}. I was really upset as every time I called their office, I can not talk to any supervisors. I sent my first letter on XX/XX/XXXX thru Fax and email. There was no response. I sent another letter on XX/XX/XXXX, requesting a detailed summary of my account and I requested them to return the overpayment on my account but to no avail. At this point, I am really disappointed, I do not have a job and trying to collect unemployment. 

Please help! They are making my life miserable.
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my baby girl. I as that you please remove all these false misleading inquiries from my credit report so I can began to repair my creedit and eventually get my daughter a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose. 
15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint.

15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1.XXXX XX/XX/XXXX 2.XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.XXXX CARDS XXXX  XX/XX/XXXX 6.KEY XXXX  XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XX/XX/XXXX 9.XXXX XX/XX/XXXX 10.XXXX XX/XX/XXXX
Consumer complaint received 2021-03-25
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. (NY)

XXXX  has failed to investigate a legitimate dispute that I have filed on several occasions. The information with the dispute results is inaccurate and does not add up. I sent in supporting documents, which they deleted and did not send to the creditor. I wasted a month for a report that shows the last time the account was even updated by the creditor was a month prior. None of the comments or history are accurate. There are insufficient dates and data history. I provided ample evidence showing these payments were completed and withdrawn from my checking account, and provided evidence supporting each of my claims to clear this up. When I attempted to reinvestigate the dispute, I was alerted that my dispute was modified for another thirty days. This is incorrect derogatory information being reported, and the credit agency has caused more harm than help by neglecting to investigate my dispute properly. I attempted phone contact with the company, only to have my calls re-routed over and over again.
Consumer complaint received 2022-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In XXXX I was XXXX XXXX XXXX years. Upon release in XXXX I discovered that someone filed taxes in my name while I was incarserated. As a result of that i filed an identity theft report in XXXX and I recently resolved that matter with the irs but this year I discovered someone also used my personal information to fraudulently open credit cards in my name Such as : 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
Consumer complaint received 2021-03-29
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: Santander Consumer USA Holdings Inc. (TN)

Last year I had XXXX XX/XX/XXXX to XX/XX/XXXX of 2020. I had a late payment with Santander auto finance. I immediately had my aunt die out of state due to XXXX. I had to travel to take care of my grandmother. I was completely devastate by COVID during this era of life. I asked Santander to help with the late payment reported and they said there was nothing that can be done.
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CONSUMER ADJ CO. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is not investigating the negative collection/chargeoff account reporting on my credit report. I have sent numerous letters to the bureau requesting an investigation into the false reporting of this account and I have never received ANY communication from the bureau to show that my request is being looked into. My most recent credit report shows the following account as not in dispute, when in fact this account is in dispute. The account is XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This line item is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item need to be updated and/or completely removed from my credit report. I have contacted the bureau multiple times to review this account however, I have not been successful.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONWIDE ACCEPTANCE LLC (IL)

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
Please remove the following inaccurate address from my credit report : NATIONWIDE CASSEL LLC # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. XXXX XXXX XXXX XXXXXXXX I noticed you are reporting multiple 30 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify this account. 
XXXX XXXX XXXX Please verify this account Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation. 
XXXX XXXX
Consumer complaint received 2021-03-25
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: CURO Intermediate Holdings (TN)

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
Consumer complaint received 2021-03-25
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: Commonwealth Financial Systems, Inc. (TN)

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
Consumer complaint received 2022-11-06
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. (MI)

The Credit bureaus have a responsibility to report accurate and concise information for a consumers credit report. However, XXXX and Experian still are reporting a bankruptcy on my report without providing any verifiable proof in the accuracy of their reporting. This is grounds for removal of the inaccurate account on my report, they are also in violation of my rights 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also, the Credit bureaus have had this inaccurate information reporting in my personal credit account for an unknown amount of months/years. I have been trying to get this correction made for the past several months to no avail. That damage as a result of their erroneous reporting will forever be irreparable to me and my family, due to the high interest rates being paid, large amounts being spent on credit restoration and my inability to get approved for housing and other lending that depends on the accuracy my credit report.
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, Bank of America took {$1400.00} out of my escrow account that was not to pay my Home Owners Insurance or my Real Estate Taxes, the only two bills I authorized them to pay. I did get refunded by the company they paid, but because I had other outstanding transactions with that company, it got confused and I never released it was a mistaken payment out of my escrow. I learned of the mistake when they increased my escrow to cover it months later. 
I specifically told the bank to never do that again and only pay the two bills authorized. 
On XX/XX/XXXX, they again paid an unauthorized bill from my account. This has become a pattern of behavior with them and they would take no responsibility. 
I am afraid that if a fraud artist gets my info, they will submit bills and Bank of America will pay them like they did these unauthorized bills and they will again take no responsibility. They keep doing it year after year, just randomly paying whatever they feel like. 
This is not the trust an escrow account is supposed to be about. I have sat on hold for hours trying to get this resolved ( they issue me request ticket numbers that are meaningless ) and no one fixes it or contacts me about it. I even went into the local branch and spoke to the branch manager but that did no good. 
I am at a loss as to what to do to protect myself from them taking out unauthorized money and giving it away. 
I think they need a wake up call and maybe fined for giving away my money.
Consumer complaint received 2021-03-25
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. (IL)

simply they are difficult to get anything done, I cant get a mailed response from this credit agency after sending several complaints. I call and sometimes get through after holding XXXX XXXX min, get disconnected and other times be told I have to mail in my complaint or use their website and get error messages of all sorts. Furthermore, I feel these kinds of issues is to discourage me from enacting my rights under federal law.
Consumer complaint received 2021-03-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

My wife went to open a business account at Bank of America in XXXX, Utah. 

She was given a brochure that shows how an account says on the top no monthly service dee, but them at the bottom of that same account shows {$29.00} or $ XXXX monthly service fee if ... ... .. 

If an account is free of monthly fee at no condition then no monthly fee message should be disclosed, period. But if there are conditions, then they should say something like the bottom I mentioned before and not the plain no monthly fee option. 

It is a very misleading brochure.
Consumer complaint received 2021-03-25
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)

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120 ) days late on the DEPTED/XXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (NJ)

There was several fraudulent purchases on my New Jersey XXXX Support card in the total amount of {$690.00}. in XX/XX/2020. I had called Eppicard and spoke with fraud dept, a claim was opened and my card was cancelled. I had not received the questionnaire for the investigation for my claim nor receive my new card within 7 days so I called to obtain the status only to discover the papers and the new card were not sent. ( Please note every time I have called there has been a 45min-1.5 hour wait not to mention, many times the call is dropped. ) After much persistence I was able to have the papers and a new card resent. And only after talking to a supervisor did anything get accomplished. 
All of these purchases were made in XXXX XXXX and I live in New Jersey. The business that was involved in the puchases on my account has several bad complaints online for issues like mine. 
After submitting the paperwork I then discovered that my investigation was denied. When I inquired as to why, no one had a answer and said they will send a report of the investigation. The report had no information in it much the less as to why it was denied. .However they also sent a statement that contained all the attempted charges and there were many everyday.. This company Eppicard has told me that there is nothing that can be done because the case is closed yet it does not appear as though they did a proper investigation.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

XXXX XXXX XXXX is reporting my account inaccurately. I have submitted documentation through the three major credit bureaus to have this information updated and nothing has been fixed. They are reporting my account as an individual account, however it was a joint account where I was the co-leasee.
Consumer complaint received 2021-04-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

In XX/XX/2021 I reached out via letter to MACYS XXXX XXXXo resolve this account. They were unresponsive. I followed up again as a follow up in XX/XX/2021 to resolve this account. This company was unresponsive. Please remove this account as this company has been unresponsive and did not respond in the allotted 30 days. Please remove from my credit report.
Consumer complaint received 2024-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (IN)

This account was reported to my credit on XXXX. Since then, I have attempted to contact the collection agency via phone and email to obtain validation of the debt. I was informed that the validation had already been mailed to me. However, I was also told that if I paid immediately, they would not report the debtdespite it already being reported on my credit. 

I explained that I had recently moved for work and, if they mailed the information to a previous address, I would not have received it. Despite my efforts, they did not provide the requested documentation or validation of the debt.