davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a dispute with Bank of America edd prepaid card services XX/XX/2023 for the amount of {$5200.00} for transactions posted on my account claim number XXXX I wasnt provided any provisional credit at any time and has been denied on more than XXXX separate disputes Ive repeatedly asked for documentation stating the reason why it was denied and till today XXXX XXXX I have yet to be able to receive any documentation where it would give me a reason why or how this decision was determined and was dealt with. As of my part I have provided them with a police report statements to my Bank of America account ending in XXXX and social security number ending in XXXX and written statements explaining and asking to match my information with the information of the account that the transactions were sent to and for some reason it has not benefited me in any way. Ive only received a letter from BofA where a resolution XXXX with the name of XXXX XXXX with phone number ( XXXX ) XXXX ext. XXXX is stating that they would be looking into my dispute and attempt to help. I have called and left XXXX messages and yet have I received a response back from any one of BofA I dont see why would they give me a number that has possibility to ever get through or even have the expectation of receiving a return call back. What I also would like to respond that why would my previous case with CFPB was closed by this specialist case number XXXX if I the consumer has not agreed with that decision and has not been credited my dispute I am demanding my return Ive stated XXXX never authorized that transaction and have provided documentation to show that I have no links to this transaction and if so to please show me in documents stating otherwise.
Consumer complaint received 2019-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX received a cease and desist concerning an account that was improperly and inaccurately reported and closed to my report to assist in harassing and stalking me. The accounts were removed on two different occasions after receiving correspondence concerning the cease and desist order from the attorney. They have begun to try and report it again without my knowledge again the cease and desist order. The accounts need to be removed again from all reports, and they are not authorized to do anything with my credit bureau reports for any reason. I dealt with their unethical business practices once before, and will never use their services again for any reason. My next action is to sue.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2023-09-08
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. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

XXXX, Equifax and XXXX have failed to show any substantial increase in my credit score although XXXX has corrected the defective reporting on their part to all three credit bureaus. 

We understand from correspondence with XXXX and from other resources that payment history counts for approximately 35 % of the composition of a credit score. There has been no improvement evident on the score subsequent to Truists updated information. 

Here is the situation. In 2021, XXXX granted me XXXX relief for my car loan that extended from the end of XX/XX/2021 through XX/XX/2021, when I again began making payments. XXXX XXXX NOT keep accurate records and erroneously reported me late during the time of XXXX relief. When I resumed payment, they applied those payments backwards to the time of initial XXXX relief starting in XX/XX/2021 instead of applying the payments from XX/XX/2021 onward. They incorrectly reported me late for slightly over 12 months. This caused me reduced credit lines which raises the usage % of my available credit. After over a year of effort, XXXX corrected their reporting to XXXX, Equifax and XXXX and I no longer have any late payments reported from them. 

Since the incorrectly reported late payments were not a result of actions on my part, that correction of XXXX error should have raised my credit score substantially but it has not. 

This situation is now an error on XXXX, Equifax and XXXX part. Correspondence with XXXX has not resulted in action on their part and despite repeated requests for the name and contact information for someone with the authority to implement the appropriate corrections to XXXX records, this has not been provided. Equifax and XXXX site does not provide and option to address the issue since the problem is not XXXX of the options listed. 

The errors resulting from this situation have caused me serious professional and personal damage. 

Once the score is appropriately raised, I will be able to reapply for the lines of credit and other terms that this error has caused me to lose and then raise the level of credit available and reduce the amount of % used. 

This experience with the disinterest of financial institutions like XXXX, Equifax and XXXX in assuring that they have accurate records is disheartening. I hope you will be able to help me rectify this situation.
Consumer complaint received 2024-10-24
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.
Consumer complaint received 2018-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Marvin S. C. Dang, LLC (HI)

My complaint is related to the Law Offices of Marvin C.S. Dang XXXX. XXXX XXXX XXXX, Hawaii XXXX, Ph # XXXX, collecting on behalf of XXXX XXXX who is collecting on behalf of XXXX XXXX. While they never quite provided the written proof of the debt which I believe was my husbands, I conceded and paid them after attending multiple court dates on the matter. It should be noted that they have tried this on multiple occasions and after I attended multiple court dates they dropped it because they could not prove the debt as I requested. Basically they have a history of wasting peoples times going to court and then end up unable to prove there is a valid debt. 
All that aside, my complaint here is related to the practice of collecting on a debt they have already been paid on. Civil Case Number XXXX for XXXX XXXX was paid in fill with a final payment of {$130.00} brining the total paid to the full debt of {$680.00}. They sent confirmation of the case dismissed in a letter dated XX/XX/18. They then sent a letter dated XX/XX/18 asking for the same amount of money and indicated they have filed a lawsuit again. This is clear harassment and unethical practices to be paid twice on the same debt. They continued to send letters throughout the duration of the time I was attending court and paying them. Their letters never reflected payments and they continued in efforts to collect the fill amount even after accepting payments. All payments were made by check and I have copies of all returned checks. However again they confirm in the dismissal letter of XX/XX/18 that the debt is paid in full.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX, XXXX and Transunion have failed to show any substantial increase in my credit score although XXXX has corrected the defective reporting on their part to all three credit bureaus. 

We understand from correspondence with XXXX and from other resources that payment history counts for approximately 35 % of the composition of a credit score. There has been no improvement evident on the score subsequent to Truists updated information. 

Here is the situation. In 2021, XXXX granted me COVID relief for my car loan that extended from the end of XX/XX/2021 through XX/XX/2021, when I again began making payments. XXXX XXXX NOT keep accurate records and erroneously reported me late during the time of COVID relief. When I resumed payment, they applied those payments backwards to the time of initial COVID relief starting in XX/XX/2021 instead of applying the payments from XX/XX/2021 onward. They incorrectly reported me late for slightly over 12 months. This caused me reduced credit lines which raises the usage % of my available credit. After over a year of effort, XXXX corrected their reporting to XXXX, XXXX and Transunion and I no longer have any late payments reported from them. 

Since the incorrectly reported late payments were not a result of actions on my part, that correction of XXXX error should have raised my credit score substantially but it has not. 

This situation is now an error on XXXX, XXXX and Transunions part. Correspondence with XXXX has not resulted in action on their part and despite repeated requests for the name and contact information for someone with the authority to implement the appropriate corrections to XXXX records, this has not been provided. XXXX and Transunions site does not provide and option to address the issue since the problem is not one of the options listed. 

The errors resulting from this situation have caused me serious professional and personal damage. 

Once the score is appropriately raised, I will be able to reapply for the lines of credit and other terms that this error has caused me to lose and then raise the level of credit available and reduce the amount of % used. 

This experience with the disinterest of financial institutions like XXXX, XXXX and Transunion in assuring that they have accurate records is disheartening. I hope you will be able to help me rectify this situation.
Consumer complaint received 2023-08-17
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mr. Cooper Group Inc. (IL)

This is my XXXX complaint Please provide paperwork or descriptions of activities billed for Legal Fees XXXX Maintenance Inspection What did lender pay for XXXX XXXX XXXXXXXX? The over " {$2800.00}?
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Consumer Telecom & Utilities Exchange, Inc. (NJ)

I reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Consumer complaint received 2023-09-08
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Williams & Fudge, Inc (DC)

I had communicated to XXXX XXXX representative XXXX XXXX XXXX XX/XX/XXXX, on reducing and reinstating payments for a balance of {$10000.00}, due to the fact that normal debt repayments were difficult due to the effects of COVID-19. Also, I pointed out that the amount that they originally assessed to me had a great deal of late fees posted after dispersal of my XXXX loans, which were supposed to cover the full balance of the debt in the first place. 

On XXXX XXXX, XXXX, I received a call from Williams and Fudge ( W & F ), regarding an alleged debt of {$12000.00}, on behalf of XXXXXXXX XXXX When I called XXXX about the original balance of {$10000.00} and why it was increased or sent to a debt collector when I was in good standing with them on that same date, I only received evasive answers, with the representive XXXX XXXX stating that the office mailed over notices to an old address in XXXX. However, they have not provided copies of the letters that they sent, nor did they confirm that I received them, even though I was in active email communication with their office for several years now. I only became aware of any delinquency when I received a call from the debt collector, W & F. 

In my own letters to XXXX and W+F dated XXXX XXXX and XXXX XXXX, I requested that I get my original payment plan with XXXX to be reinstated, due to the ongoing effects of COVID-19 slowdown and due to the fact that they have a documented case where they have offered a reinstatement to a XXXX in a very similar situation ( re : Tiene v. Drexel, 2020 ). W+F only provided incomplete verification on XXXX XXXX, with no explanation for the increase and without the full contact information of the XXXX representative, XXXX XXXX, that was supposedly supervising the debt collection. 

Additionally, I requested that W & F not contact me until I received full verification of the representative at XXXX and the reason for the change in the bill amount, but that request was repeatedly violated. 

After sending a second notification asking for this information from XXXX and W & F, I reached out to a class action site ( XXXX ) for additional information and support regarding payment issues with other students in their database. Their site does not guarantee representation or even direct contact, but claimed they possessed additional information about similar cases. I did not promise confidentiality with XXXX, in any case or during any communication. 

One day after I submitted this query to XXXX XXXX XXXX  ( XXXX XXXX ), I received another call from W+F about the amount they claim is due.
Consumer complaint received 2023-09-08
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: General Motors Financial Company, Inc. (TX)

I am writing to formally dispute several hard inquiries that have appeared on my credit report, which I believe to be unauthorized. The purpose of this letter is to request a thorough investigation and, if appropriate, the removal of these inquiries from my credit report. 


I have carefully reviewed my credit report from your bureau, dated [ XX/XX/XXXX ], and have identified the following hard inquiries that I do not recognize and did not authorize : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.Please remove the following items that are being reported incorrectly and not properly investigated : Bankruptcy, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-09-08
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: JPMORGAN CHASE & CO. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Consumer Telecom & Utilities Exchange, Inc. (LA)

I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.