davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have my mortgage with Bank of America. The last couple of months I have been receiving the monthly statement AFTER THE DUE DATE. I have contacted them several times ( spent hours on hold ) .. They told me they generate my statement on the XXXX of the month, even though it is DUE the XXXX of the next month. In other words, my XXXX statement, due on XX/XX/XXXX, won't even be sent out until XX/XX/XXXX. My statement won't arrive by the DUE DATE. 

I feel like this is totally unethical. I don't want my credit score screwed up because my mortgage company sends me the statement AFTER THE DUE DATE. I think they want people to default on their loans! 

How am I supposed to pay on time if I don't receive my statement until well after the due date, then I have to send it back, making my payment late every month! Just doesn't seem right and Bank of America needs to explain this.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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 a account without my written instructions
Consumer complaint received 2020-07-09
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. (CA)

I noticed that my credit reports are reflecting a late payment on my XXXX XXXX XXXX XXXX  account. This account is paid on time each month and my balance owed is incorrect. See enclosed documentation. In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete this negative mark. I have previously contacted the creditor to update their records.
Consumer complaint received 2020-07-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I noticed that my report is reflecting late payments on two accounts from XXXX XXXX. These items are inaccurate because both accounts are paid in full and in good standing. 

XXXX XXXX : # XXXX XXXX XXXX : # XXXX I am requesting that the item be deleted to correct the information. Please reinvestigate these matter ( s ) and correct the disputed item ( s ) as soon as possible.

In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete the item. Additionally, I respectfully request that you forward to me an updated description of the procedure used to determine the accuracy and completeness of your removal as required by the Fair Credit Reporting Act and confirmation that this information will not be re-inserted. Thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX.
Consumer complaint received 2021-11-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. Please investigate.
Consumer complaint received 2021-07-15
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. (FL)

I have a serious problem with The Experian Boost Program Malfunctioning on a regular basis effecting my credit score reporting.The afore stated problem is on going and I have reported this issue to Experian Member Complaint Department numerous times and I've have been told that they contact the Tech Company that monitors Experian Boost Experian does not have control of Experian Boost and out sources to a Private Tech Company.I have two Credit Card Accounts on Boost that Malfunction Constanly either Disconnected or Permanently Disconnected a long with Failing to Connect to Utilites Associated with the Cards.The Malfunctioning effects my credit reporting on a monthly basis.These issues have been ongoing for months and have not been corrected ruining my credit score.
Consumer complaint received 2020-07-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I noticed that my report is reflecting late payments on two accounts from XXXX XXXX. These items are inaccurate because both accounts are paid in full and in good standing. 

XXXX XXXX : # XXXX XXXX XXXX : # XXXX I am requesting that the item be deleted to correct the information. Please reinvestigate these matter ( s ) and correct the disputed item ( s ) as soon as possible.

In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete the item. Additionally, I respectfully request that you forward to me an updated description of the  procedure used to determine the accuracy and completeness of your removal as required by the Fair Credit Reporting Act and confirmation that this information will not be re-inserted. Thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (MD)

XXXXXXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$820.00} Action : I was XXXX for XXXX years. From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX XXXX  Date opened : XX/XX/XXXX Amount : {$1600.00} Action : I was XXXX for XXXX years. From XX/XX/XXXX - XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XXXX XXXX Amount : {$350.00} Action : I was XXXX for XXXX years. From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXXXXXX XXXX  XXXX Date opened : XXXX XXXX Amount : {$1300.00} Action : I was XXXX for XXXX years. From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX  XXXX opened : XXXX XXXX Amount : {$720.00} Action : I was XXXX for XXXX years. From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$5000.00} Action : I was XXXX for XXXX years. From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and XXXX heard anything back from this company. 

XXXX XXXX XXXX XXXX Date opened : XXXX, XXXX Amount : {$1100.00} Action : I was XXXX for XXXX  years. From XXXX XXXXI have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX XXXXXXXX Date opened : XXXX XXXX Amount : {$1600.00} Action : I was XXXX for XXXX years. From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$570.00} Action : I was XXXX  for XXXX  years. From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX Date opened : XXXX XXXX Amount : {$960.00} Action : I was XXXXXXXX  for XXXX  years. From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company.
Consumer complaint received 2020-07-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I noticed that my report is reflecting late payments on two accounts from XXXX XXXX. These items are inaccurate because both accounts are paid in full and in good standing. 

XXXX XXXX : # XXXX XXXX XXXX : # XXXX I am requesting that the item be deleted to correct the information. Please reinvestigate these matter ( s ) and correct the disputed item ( s ) as soon as possible.

In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete the item. Additionally, I respectfully request that you forward to me an updated description of the procedure used to determine the accuracy and completeness of your removal as required by the Fair Credit Reporting Act and confirmation that this information will not be re-inserted. Thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act there are several accounts attached that have 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 consent.

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.

I havent given anyone written permission to furnish these accounts on my credit report.
Consumer complaint received 2021-07-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Santander Consumer USA Holdings Inc. (NC)

The Santander consumer financing -Santander must pay {$65.00} XXXX in restitution to be divided amongst the 33 states and the District of Columbia . Over XXXX consumers across the settlement states will be eligible for this restitution. 
-You must have a gotten a loan with Santander between XX/XX/XXXX and XX/XX/XXXX this valid information from - https : //www.santandermultistateagsettlement.com/Information-for-Consumers? XXXX and I XXXX XXXX XXXX XXXX live in nc and opened my loan with these guy sometime in XXXX. 
I definatly qualify but haven't received any notice.
Consumer complaint received 2021-01-21
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. (VA)

I submitted a dispute with Equifax ( XX/XX/XXXX and XX/XX/XXXX ) to dispute a 30-day late payment that XXXX XXXX reported for XX/XX/XXXX and provided them with copies of my XXXX XXXX statements showing that XXXX XXXX made mistakes and I should not have a 30 day late payment on my account. The payment was done 7 days from when it was originally due and I was never past due on my account ( XXXX XXXX has me past due incorrectly on my XXXX statement ). After submitting the evidence to Equifax, they sent the information to XXXX XXXX, but XXXX XXXX validated the late payment even though I provided evidence and Equifax disregarded the evidence and left the 30 day late payment because XXXX XXXX " validated '' the late payment. I have disputed this twice with Equifax on XX/XX/XXXX and on XX/XX/XXXX and Equifax completely disregarded the evidence/documents. I called them today XX/XX/XXXX after noticing my disputes were closed but I was not able to get the results online. They said the disputed were closed because XXXX XXXX validated the late payment. Equifax confirmed even if they are in receipt of evidence, that they dont actually investigate and will go based on what the creditor says. I have been getting the run around and also Equifax refused to connect me with a supervisor and instead they referred me to dispute this with XXXX XXXX. Overall, they confirm they receive the dispute and just forward it to the creditor. No actual independent investigation is done at their end and if the creditor is incorrect - they dont do anything and instead keep reporting the late payment on the consumers account. I hope you guys can help me out with this. Thank you!!
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-07-09
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: CCS Financial Services, Inc. (FL)

INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX, XXXX  & XXXX   XX/XX/2020 about inaccurate information on my credit report XXXX XXXX {$380.00} XXXX XXXX {$1700.00} CREDIT COLLECTION SERV {$1000.00}
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (TX)

American Express serve will not let me close my account. I have had so many issues from withdrawing money to my son accession the Sub account i opened for him. They dont ever have a supervisor to speak with. They hang up on me. They blocked me from accessing my account for about XXXX week. And they refuse to let me close the account. Also since my dispute with them I have been receiving random calls from numbers that are disconnected and a lot of Robo calls
Consumer complaint received 2021-07-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I am trying to open a bank account but they're saying I can not and I've called a few places to find out why and no one seems to understand why I did report my name social security being used in XX/XX/2019with Bank of America so I don't know if that is the issue.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NJ)

Shellpoint is reporting incorrect information to the credit bureaus regarding the status of my account. This is the 2nd time in just over 2 months that they have submitted incorrect information regarding my account to the credit reporting agencies. This is causing me hardship and potential monetary loss, especially in these times of covid-19. 

First of all, the account is not 30 days late as they keep reporting but is current. 

Additionally, a past due amount of {$2500.00} is being shown. I would like to see a detailed itemization of that amount. I have previously written to shellpoint numerous times regarding spurious charges on my account and no one has replied back to me. I again sent a letter dated XX/XX/XXXX and now XX/XX/XXXX asking for an explanation of this as well.
Consumer complaint received 2020-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (LA)

The following account is an result of fraud. JPMCB XXXX {>= $1,000,000} {$7800.00} I have no knowledge of this account. I have tried to fix this with the company in question JPMCB.
Consumer complaint received 2022-07-14
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. (NC)

This letter is regarding account # XXXX, which TransUnion reports I have a charge-off in the amount of {$1000.00} owed to XXXX XXXX XXXX This negative mark is reflected on my TransUnion credit report. My credit report is attached for reference. Yet again, the company has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. So, how can a credit reporting agency continue to display unverified and derogatory accounts? Be advised that the description of the procedure used to determine the accuracy and completeness of the information was also requested. This is a formal notice that this item is disputed once again - and has been disputed with XXXX XXXX XXXX for more than 2 years now. How can a company get away with listing inaccurate information about a consumer 's credit profile and not be held accountable to prove the source of information?
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-20
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: EQUIFAX, INC. (TX)

In accordance with the fair credit Reporting act XXXX Accounts with XXXX, Equifax, and XXXX have violated my rights. 

15 UCS 1681 Section 602 States I have the right to privacy. 

15 UCS 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for purpose.
Consumer complaint received 2022-07-14
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
10. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
11. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
12. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2020-07-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

MY EX WIFE OPENED SEVERAL ACCOUNTS IN MY NAME AS WELL AS TOOK OVER A FEW ACCOUNTS. I FILED A POLICE REPORT AS WELL AS AN ID THEFT REPORT. I HAVE SUBMITTED THE INFORMATION MULTIPLE TIMES AS WELL AS UPLOADED THE REPORTS, AND THE CREDIT AGENCIES HAVE STILL NOT REMOVED THE ACCOUNTS.
Consumer complaint received 2020-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (NJ)

I am trying to link my bank account with a XXXX  trading app and am being told pnc is not allowing this. Its my account and will probably change banks if that is true. XXXX has a market cap of over a XXXX XXXX dollars.