davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I enrolled in paperless statement, however, I never receive email regarding my statement and amount due. 

I got a paper statement XXXX XXXX and saw that 2 late charge of {$32.00} and also {$27.00} on my {$34.00} purchase. The site did not allow me to do any automatic payment and I do n't think this is fair to me collecting late fee much over than my purchase and without sending me any statement.
Consumer complaint received 2017-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I mailed a letter to Bank of America on XX/XX/XXXX instructing them to close this credit card account. I no longer use this credit card account, and do not leave any unused accounts open, for fear of fraud and misappropriation. Bank of America responded two weeks later, in a letter dated XX/XX/XXXX, that I have to call the Bank to effectuate this account closure. My letter and Bank of America 's response are attached. I always conduct my business in writing so that I have a precise record of communications. I do not have time to listen to recordings, navigate a phone tree, wait on hold, or hear reasons the Bank believes I should keep this account open or exchange it for a different credit card. Bank of America should have closed my account effective XX/XX/XXXX pursuant to my unequivocal written, signed, and mailed instructions, but seems intent on keeping my account open against my wishes. Please compel Bank of America to close my account effective XX/XX/XXXX, and to send me a letter confirming it was closed as of that date. The Bank 's deliberate delay is unacceptable. Thank you for your help.
Consumer complaint received 2023-05-10
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: FIRST INTERSTATE BANCSYSTEM, INC. (MT)

I have contacted through dispute letter and vocal communication multiple times, both First Interstate Bank and XXXX. both blame each other for being unable to remove errors or delete incorrect accounts. First Interstate Bank has verified dispute letters even though the information was incorrect, inaccurate, or incomplete. The information I am using is from an XXXX report which has been verified by First Interstate Bank. The XXXX Report is dated XX/XX/XXXX. The Confirmation # XXXX. The account from First Interstate Bank reported in the XXXX report is Account Number is XXXX. I contacted First Interstate Bank to obtain a payment history, they were unable to find the account or its history. The account was opened XX/XX/XXXX ( 11 years ago ). There are many errors on this account. The account is missing High Credit and is blank ( Error 1 ). The Credit Limit is also blank and missing information ( Error 2 ). The Terms Duration is missing information and blank ( Error 3 ). The Months Revd is XXXX which for this loan is Incorrect ( Error 4 ). Amount Past Due is blank and missing information ( Error 5 ). The Date of Last Activity is Reported as XX/XX/XXXX, This is Incorrect The date of Last Payment is XX/XX/XXXX ( 34 months later ) ( Error 6 ). The Actual Payment Amount is Missing ( Error 7 ). The Scheduled Payment information is missing ( Error 8 ). Date of 1st Delinquency is blank ( Error 9 ). Date XXXX XXXX 1st reported is missing information ( Error 10 ). This account according to First Interstate Bank was opened XX/XX/XXXX with the last payment reported XXXX ( 7 years later ), Yet there is no payment history. The payment history is missing ( Error 11 ). by law FCRA Sections 609 and 611 require creditors and credit reporting companies to report information accurately and correctly. The account is to be deleted from the consumers report. This report has many mistakes.
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. (MN)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (VA)

I had a car financed through SANTANDER CONSUMER USA. The car was was totaled, date of loss is XX/XX/2023. My insurance company, XXXX, completed the settlement on XXXX XXXX. XXXX paid Santander their payoff amount electronically on XX/XX/2023. The settlement amount was more than the payoff amount. I have already received my portion of the settlement electronically. I am still owed a balance from the extended warranty, which will be released from SANTANDER. I have been calling for the last XXXX days, multiple representatives said the payment wasnt received. They keep harassing me for a payment. I told them that they were already paid. The last rep relayed information that THE BANK DOESNT HAVE A ROUTING NUMBER, therefore, a check may have been sent. I think that is bogus. How does a bank not have a routing number in 2023?!?!? I have always paid my note electronically. XXXX paid them electronically. XXXX paid me immediately. Santander is giving me the runaround and I need help resolving this matter please. Thanks in advance.
Consumer complaint received 2023-05-10
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-10
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. (MI)

From CFPB Complaint ID : XXXX XX/XX/2023 it said the hard inquiry from XXXX would be deleted from my Equifax credit file. XXXX from my Equifax credit file.
Consumer complaint received 2023-05-10
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. (IN)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-10
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2017-02-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX, 2017, I went online to obtain my credit score. My credit card company, XXXX, provides my credit score for free as part of my cardholder benefits. The online information showed my credit score as XXXX. They also provided a link to a 12-month history of my score, so I clicked on the link. The history showed my score over the last 12 months. What caught my eye was that my score had risen to a high of XXXX, and very soon after had fallen to XXXX. Then it went to XXXX and to the present score of XXXX. 
I wanted an explanation for the drop from XXXX to XXXX. The site said that if I had any questions about my XXXX score, I should call TransUnion, and it listed a phone number. On the XXXX, I also obtained my free annual credit report from TransUnion. There was nothing negative in it, all my accounts showed as continually paid on time. Eight days later on XXXX XXXX I called TransUnion at XXXX XXXX to see if someone could explain the sharp XXXX point drop in my score. Not only would n't they explain it, they claimed their records showed a current score different from XXXX ( but they would n't tell me what it was ), and they speculated that XXXX was using a different scoring model than TransUnion does ( they mentioned XXXX ). They were denying that they even supplied the score that XXXX was displaying. So I asked to talk to someone who was aware of the apparent business relationship that existed between TransUnion and XXXX, and they refused. They told me to go back to XXXX for any explanation of the score. So I called XXXX at XXXX XXXX to ask for an explanation of the XXXX point drop, and to verify who actually calculated the score I was seeing on the XXXX site XXXX XXXX or TransUnion. The XXXX Customer Service Rep. claimed they simply posted the information provided to them by TransUnion, that XXXX DID NOT calculate the score themselves. And making sure to mention that they provided the score for FREE, there was nothing else they could tell me, and I would have to contact TransUnion for any explanation of the score. In other words, BOTH organizations were claiming that the score was not calculated by them, it was the other guy, and go talk to the other company if I wanted any further explanation. I would like to know who calculates the score, and I would like an explanation that justifies a XXXX point drop in just XXXX or two months without any negative data to support it.
Consumer complaint received 2023-05-10
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 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 items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2023-05-10
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. (FL)

I am writing to follow up on a letter that I sent to Experian on XX/XX/2023. I have not received any response or update regarding my request, and I am concerned about the status of my inquiry. 

I understand that they receive many requests and inquiries, but I would appreciate it if you could provide me with an update on my request as soon as possible. I have attached a copy of my original letter for your reference. 

Thank you for your attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2023-05-10
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

Accounts first delinquency date is XX/XX/XXXX. 
Account was to be removed on XX/XX/XXXX according to Experian report as well as the customer service representative I spoke with in XX/XX/XXXX. Now account removal date has been removed the date of first delinquency is still listed as XX/XX/XXXX but the historical column show date of first delinquency as XX/XX/XXXX. Wen I called Experian back on XX/XX/XXXX to inquire about this and request the account be removed in accordance with the reporting rules and the statement of the Experian representative in XXXX, the representative said that the account will now be removed in XXXX of XXXX because the first date of delinquency is XXXX of XXXX which is factually incorrect. The date of first delinquency clearly is and is listed listed as XX/XX/XXXX.
Consumer complaint received 2023-05-10
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. (MS)

On XX/XX/XXXX, I drafted and mailed letters to Equifax, XXXX and XXXX to update my personal information. I provided my correct address, full legal name, my only SSN associated with my name, my only correct date of birth, my only employer. Furthermore I requested the removal of all phone numbers. I also requested the removal of all other address off my report. The post office will not be able to deliver to inaccurate address per Fair Credit Reporting Act since they are not accurate. As of XX/XX/XXXX, the corrections have not been made.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-10
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (UT)

On XXXX XXXX, XXXX I mailed in a check for payment of {$1400.00} for my mortgage. The check cleared as expected, and I thought all was good. It was not until the next month, that I noticed my payment balance was twice what it normally was. I thought nothing of it, and proceeded to pay my bill as usual, because any inquiries at such institutions fall on deaf ears. It was n't until XXXX, XXXX that I reached out to DiTech to ask why the payment amount was twice what it normally was, as a missed payment showed up on my credit report ( I have flawless credit, nearing XXXX XXXX. They proceeded to tell me that the payment for the month of XXXX was not received. Ok, how can this be? I ask the lady to investigate further ( she was awesome XXXX XXXX, and discovered the XXXX check was applied to only escrow ... .the entire {$1400.00}. This was done on behalf of DiTech, under NO circumstance did I direct them to do so. Is this a normal practice? No. Whoever received my XXXX payment in the mail applied the payment incorrectly, and not in accordance with procedure. 

I swiftly asked that the payment be corrected ( it was XXXX, and that the missed payment be taken off my credit report i.e., that DiTech draft and send a letter to the credit reporting agencies that this was a MISTAKE ON THEIR BEHALF, and that I ( the consumer ) did in fact not make a late payment. I was told this was completed in late XXXX, XXXX. However, upon recently getting another credit pull on XXXX XXXX, XXXX - I was reluctant to see that the late payment from DiTech was still on my Credit Report. Shame on them. I reached out to DiTech again on XXXX XXXX, XXXX to inquire about the error on their end, and have yet to hear from them XXXX as I mentioned earlier, these requests often fall all deaf ears XXXX. Please inquire about the credit report issues, and the complaint handling at DiTech. In accordance with the Title X of the Dodd-Frank XXXX XXXX Reform and Consumer Protection Act of XXXX XXXX the XXXX XXXX XXXX established the Consumer Financial Protection Bureau ( CFPB ) and authorizes it to supervise certain consumer financial services companies and large depository institutions and their affiliates for consumer protection purposes. I, as a consumer, do believe that the internal policies and procedures at DiTech are not adequate to appropriately address issues or concerns with the FCRA, XXXX XXXX, and TIL acts. Please investigate my issue, and use this complaint to pursue any harmful acts at DiTech.
Consumer complaint received 2023-05-10
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. The List of accounts below has violated my rederally profecia consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Secc04 A Section 2. It also states a consum instructions ing agency can not furnish a account ut my written 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follow items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report t more than seven years.

15 USC 1681-2 ( XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency or if the person knows or reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-05-10
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-10
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. (TX)

Attempted to send a debt validation letter to the company on my credit report, the information they are reporting for their information is inaccurate so I was unable to open a dispute. Letter was returned insufficient address for the company. Because their information reported on my report is incorrect Im uncertain and unclear if the debt they say I owe. This has cause defamation of my character and caused and inconvenience.