davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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. (CA)

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please provide me with enough proof as evidence that I have been late on this account. If you don't have enough evidence, kindly remove the late remarks immediately. 
XXXX XXXX XXXX XXXXXXXX Balance : {$22000.00}
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: VW Credit, Inc (MD)

Loan number XXXX was incorrectly reported as being part of a bankruptcy when this vehicle was a total loss. I was in communication with the total loss department of Volkswagen credit on numerous occasions dealing with this incident. This vehicle was in a severe motor vehicle accident and not part of a bankruptcy
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
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. (CO)

THE CREDIT REPORTING AGENCIES ( EXPERIAN, XXXX, AND XXXX ) DID NOT ASSIST IN CORRECTING THE INCORRECT INFORMATION BEING REPORTED, EVEN AFTER, I SUBMIT PROOF OF THE INCORRECT INFORMATION BEING REPORTED. - XXXX XXXX XXXX ( XXXX XXXX XXXX ) IS REPORTING, ON BOTH OF MY CREDIT CARD ACCOUNTS, THAT I HAVE BEEN, AND STILL AM, MISSING PAYMENTS. THERE WAS AN ERROR, ON BEHALF OF THE XXXX XXXX XXXX XXXX, WHEN THE SERVICE SHOULD HAVE BEEN MAKING PAYMENTS, ON MY ACCOUNT, WHILE I AM UNEMPLOYED, BECAUSE I LOST MY JOB. THIS IS THE SERVICE, FOR WHICH, I HAVE BEEN PAYING FOR, SINCE I OPENED MY CREDIT CARD ACCOUNTS. THEY DID, EVENTUALLY, MAKE ALL OF THE MISSED PAYMENTS, BUT THEY NEED TO CORRECT THE PAST NEGATIVE REPORTING, BECAUSE THE SITUATION WAS NOT AN ERROR, ON MY PART, AND XXXX XXXX XXXX NEEDS TO REPORT, TO THE CREDIT BUREAUS, MY ACCOUNTS ARE " PAID AS AGREED '' AND CURRENT, AFTER PREMIER CREDIT PROTECTION CORRECTED THE ERROR AND MADE ALL OF THE LATE PAYMENTS, UPON MY ACCOUNTS. - EXPERIAN, XXXX, AND XXXX HAVE THE UPLOADED PROOF THAT MY ACCOUNTS ARE CURRENT, AND THERE WERE ERRORS MADE ... STILL, THE CREDIT REPORTING AGENCIES HAVE NOT CORRECTED THE REPORTING, OF MY TWO CREDIT CARD ACCOUNTS.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In the year XXXX I enrolled in mobile alerts to be notified of various types of changes to my credit card account with Bank of America. 
From XXXX XXXX XXXX XXXX XXXX XXXX was late paying my bill. However I was not notified in the various options I had selected regarding this update to my account. Bank of America made no attempt to contact me to settle this amount, which was nominal at approximately {$30.00}. Bank of America decided to mark my payment late and submit that to the credit bureaus instead of making reasonable effort to work with me to 1-notify me and 2-make accommodations to allow me to pay.

I have been a customer with B of A for ten years and have otherwise had excellent payment history and credit experience with them.

As such I find the actions taken by Bank of America highly and unnecessarily punitive, damaging, and unethical. They have engaged in unfair credit practices with an otherwise excellent account holder over the past ten years.

In addition I suffered damages when applying for a mortgage loan, as My credit score of XXXX plummeted to XXXX, disqualifying me for top tier interest rates for my loan. I had to pay {$22000.00} in points to drop my interest rate down to qualify me for my home, I also had to put 12.5 % more down than I intended to due to the restrictions with this low credit score. 

I have requested the removal of this derogatory payment on my account twice and B of A and its reps have made no effort to rectify this injustice. In addition, I find it discriminatory for their steadfast collection efforts on a {$30.00} credit card payment while they forgive hundreds of thousands of borrowers in loan default during the same time period. 


Attached - a letter I received from B of A at the start of XXXX  stating how they want to help their customers with their goals and achieve financial success. I want to reinforce this value that they extended to me at a time that they unfairly treated my credit account and reported with haste.
Consumer complaint received 2022-08-02
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. (NJ)

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date Updated : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX Date Updated : XX/XX/XXXX INQUIRIES : NXXXX 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 2024-10-07
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. (VA)

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 2022-08-02
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 


Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) Account # XXXX Account Name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name XXXX XXXX XXXXXXXX Account # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX* 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 2022-08-02
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. (NV)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX and 60 days in XXXX XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XXXX XXXX, XX/XX/XXXX, and 60 days in XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX 30 days late in XX/XX/XXXX. 

XXXX. XXXX  XXXX Account Number : XXXX 30 days late on XX/XX/XXXX 60 days in XX/XX/XXXX,XX/XX/XXXX 90 days late in XXXX XXXX I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MI)

I applied for the American Express Platinum Card. I was denied credit. I sent them a response letter on XX/XX/2022. They responded on XX/XX/2022 stating that would not open the account. The reference number is XXXX " I know credit is my right according to 15 usc 1602f credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer it payment. I am a creditor, which is a person who regularly extends credit ( 15 usc 1602g ), therefore, i credited this transaction so i cant be denied. I credited this transaction so how can you deny me. The determination was unfavorable to me which is why it is adverse. Nothing under adverse action ( 15 usc 1681 ) gives you the right to deny me. I credited this transaction as a creditor from my credit card. A credit card is any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, ( 15 usc 1602l ). You have committed a crime on my behalf because I extended you credit, you received it and I didn't benefit from it ; that's called unauthorized use. According to 15 usc 1602p, unauthorized use is a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. According to the Equal Credit Opportunity Act, 15 usc 1691, ( a ) activities constituting discrimination, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction -- ( 3 ) because the applicant has in good faith exercised any right under this chapter. The right that i exercised was my right to credit ( 15 usc 1602f ) and that is also why you are discriminating against me because you aren't allowing me to exercise my right. ''
Consumer complaint received 2022-08-02
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. (KY)

The company, XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX is submitting credit reports with my authorization of any kind. 

They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Have the credit bureaus remove these immediately.
Consumer complaint received 2023-08-21
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: Experian Information Solutions Inc. (AZ)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX 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 2022-08-02
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: EQUIFAX, INC. (KY)

The company, XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX is submitting credit reports with my authorization of any kind. 

They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Have the credit bureaus remove these immediately.
Consumer complaint received 2022-08-02
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. (CA)

In accordance with the Fair Credit Reporting Act 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: Amscot Corporation (FL)

I bought a money order for XXXX usd on XXXX XX/XX/2022 I send it by usps on XXXX XX/XX/2022. but the certified letter is lost .and today is XX/XX/2022 .and still the USPS has not give me a reasonable answer, what happen with my letter the only know to say that it is in transit. 
So I went to AMSCOT ( central office ) to try to put an stop payment .but is imposible they inform me. You need to buy another money order for XXXX usd. i did it in XXXX XX/XX/2022 and I fill out a form to complete the process until here is ok. 
But the process take around 1 months and half to be ready. XXXX that time they do not take any action to stop the payment so i need to wait 1 month and half. to see what will happen with my money order.Is ridiculous .they only answer, '' you have to wait and be patient '' if al least the put a note, some information, that no to be paid it.as client i feel better but is imposible after many calls.their answer always are the same '' No because we have many cases only wait '', you need to wait ''. and the services by phone is horrible.

rude, Iam frustated as client. because i see i have not immediately solution. 
thank you for your help. and help to other peoples don't pass for this situation.
Consumer complaint received 2022-08-02
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. (SC)

As of XX/XX/2022 the credit reporting agency have still yet not rectify their wrongful actions of violating my rights. I am tired of going back and forth about these violations. Someone needs to help me resolve this issue. I have made several attempts and ask the credit reporting agency to furnish my written statement for them to place anything on my credit report. I asked to them to provide proof of the furnishers investigation and I am on edge that my employment is placed on my public records of my consumer report which is not okay being that 4 years ago I was a victim of XXXX  XXXX. I asked them to remove any information from my account that does not have my consent and for the most part nothing has change.
Consumer complaint received 2022-08-02
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. (DC)

In accordance with the Fair Credit Reporting act the following accounts : XXXX - Account # XXXX, XXXX XXXX XXXX XXXX - Account # XXXX and Department of Education 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.

Thank you for your time and attention in dealing with this matter.
Consumer complaint received 2022-08-02
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. (DC)

In accordance with the Fair Credit Reporting act the following accounts : XXXX - Account # XXXX, XXXX XXXX XXXX XXXX - Account # XXXX and Department of Education 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.

Thank you for your time and attention in dealing with this matter.
Consumer complaint received 2022-08-02
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of america is a serial repeat offender of violating laws and regulations. 

I have unauthorized transfers from fraud totaling over {$130000.00} between 3 claims. 

Bank of america has promised provisional credit numerous times on recorded calls and over 8 reps have lied. They do not follow regulation E, XXXX, or any laws and regulations. 

there is thousands of reviews on numerous complaint forums of bank of america greedily, intentionally, willfully denying or delaying valid claims with their only interest is keeping money and not providing relief under XXXX, REG E, ZERO FRAUD LIABILITY. 

I have escalated this to a senior vice president, who has been helpful. He assigned it to escalations team who promised to call me tuesday morning and of course, yet again lied. 

I'm out significant money due to bank of america refusing to follow laws and regulations even when being reported within the time frame provided under law. 

Some of the stuff, they refuse to even open a valid claim, refuse to provide a claim number, just repeatedely saying they working on it. That is highly illegal and is an attempt to run out the clock and wash their hands of their legal liability
Consumer complaint received 2022-08-02
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.