davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
Product: Credit reporting 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. (TX)

I have had problems with Bank of America employing shady practices. I know they re-aged my credit card from XXXX which then listed it as *LAST ACTIVITY XX/XX/XXXX *CLOSED DATE XX/XX/XXXX and i know those expiration dates were coming up, so i paid the open balance amount in the beginning of XXXX, and waited for the Collections accounts to be removed in XX/XX/XXXX ( 7 years later from last activity ) then XX/XX/XXXX ( 7 years later from account closure ). Well now its almost XXXX and i have submitted disputed through multiple credit agencies, but they won't remove the account. My last step is to mail forms to BoA directly in hopes I catch someone who will remove the expired accounts, but I have better odds of hitting the lottery. Someone with authority needs to call them out on their shady business practices. I never thought I would have so much trouble getting a paid, expired collection removed from my reports. PLEASE HELP ME!! 

Side Note- I used to have a lot of respect for XXXX XXXX  XXXX XXXX saw them a a prestigius banking institution. What a simple fool I was. You live and you learn. Please help me fix what BoA refuses to do, but is the LAW. 

P.S.- All 3 credit reporting agencies are listing the same month and year for account closure, XX/XX/XXXX.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERT FROM MY EXPERIAN CREDIT PROFILE Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been a victim of identity theft and I filed the FTC report and correct paperwork and sent them to the credit agencies. They were not attached to the disputes I filed and I still have not received copies of the verification process. I contact them all the time and they still dont file the correct dispute and the correct paperwork
Consumer complaint received 2023-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

OK. So this is a bit of a long story, but I am XXXX  of being raked over coals. 

I have XXXX payments that were supposedly " missed '' and I will dispute them to XXXX and back because I always pay my debts on autopay. 

One is with TRUIST bank, a loan I have through them, that withdrew money through my account with them. They said I missed a payment and knocked my credit score down XXXX points. 
My own bank, which withdrew every other payment except the last one, which they reported as late which is XXXX. 

Paypal did this as well and when I got a restoration of some credit, it was nowhere near the XXXX points it dropped me. 

I had excellent credit. My balances routinely look maxed when they were not now because of how lenders work. 

The lender tells me to contact the bureaus, the bureaus tell me to contact the lenders. 
No one will help me, and I feel that I am being treated unjustly. 

I have hard inquiries on my report now because I am trying to lower all my balances. No one will take someone with a below XXXX score. 
So yeah.. Dropped credit limits, which lower score, which lower limits, which lower score is just not going to cut it for me. 

They couldn't possibly be wrong.. It has to be that I am a bum who doesn't pay my bills. 
I make {$74000.00} a year but since I've been getting circular whammied over and over, it doesn't even matter because I have had to kick so much debt around. 

Lenders, credit reporters, dispute handlers, are all useless and none want to restore me to what my credit was. 

I can not stop it from being bad because of the balances looking maxed out, and these people making mistakes they blame on me. I will dispute this over and over again because I've been wronged. 
It's like they know regular people can't lawyer up, but I could put them on TV.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My disputes are not being processed correctly. I have been a victim of identity theft and I sent the FTC report to the credit agencies. They are not attaching the paperwork I filed according to the FCRA. And I am not getting copies of the verification process per the FCRA>
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681.604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a late payment on a credit card under an open and consumer account as late for any purpose.
Consumer complaint received 2023-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WY)

On XX/XX/XXXX I recieved a message from Mohela stating that there was a change in repayment terms. I recieved this message on XX/XX/XXXX, but it is dated XX/XX/XXXX. I was previously on REPAYE plan ( IDR approved XX/XX/XXXX ), which was changed to automatically to the SAVE plan. All three of my loans, previous to XX/XX/XXXX were on the SAVE plan and entered into the PSLF tracker. XXXX XX/XX/XXXX, my largest loan was moved from the SAVE plan into the LEVEL or standard repayment plan, with no information why this happened. 

I have been approved on the the PSLF plan since XX/XX/XXXX. I applied for PSLF in XXXX, XXXX. I had to resubmit my PSLF application three times, because I was told that Mohela was having trouble with faxed submissions. I would fax my application. Wait 90 days. Then, after the 90 days, I would have to call them, regarding the status of my application. I would then be told I had to resubmit it. This cycle only ended in XXXX, XXXX, when my application was processed and accepted. 

I called Mohela on XX/XX/XXXX. I was on the phone for two hours. The representative could not tell me why or how my loan was moved from the SAVE plan and to the Standard Plan. This is resulting in an untenable monthly payment. I was told I had to self-recertify and apply for SAVE again. This was puzzling because they should have this information from the approved IDR application from XX/XX/XXXX. I was told I then needed to wait up to ten business days for the self-recertification to be processed. As of XX/XX/XXXX, it is not processed. Nor do I have information on when my payment is set to resume. The representative couldn't tell me that. Moreover, on the Mohela website, there is no due date or amount entered, as of XX/XX/XXXX. 

In summary, I was taken off the SAVE plan and entered into the LEVEL ( standard ) repayment plan with no communication, resulting in a very substatial increase in my monthly payment. Representatives could not tell me why or how this happend. I had to self-recertify over the phone, when my IDR application was accepted almost a year ago. Payments are to resume in 9 days, I have no information regarding the amount I will owe, nor do I have a due date.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX 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 2022-11-10
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. (PA)

I was denied approval for a rental agreement because of miss-information present on my EquiFax credit report regarding all my student loans with XXXX. 

It is stating " Payment Deferred, Collateral : Deferred to XXXX '', showing on 8 different Student Loans managed through XXXX " Opening Dates : Balance '' : XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$4500.00} XX/XX/XXXX : {$4000.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00}
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number:XXXX  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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Applied for a home Equity Loan through XXXX XXXX XXXX XXXX XXXX. WHen the ran our credit report, Equifax released our information out to every lender in the US without our permission. Have received numerous unsolicated phone and text messages.
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (FL)

I received an American Express rewards card for {$500.00} which expired six months from the time of receipt. I used up the balance before the card expired. Several months after its expiration, I had to return an item I had purchased with the card to XXXX. I requested an XXXX credit but they mistakenly sent a refund to the expired card. Since the card was no longer valid, this should have been bounced back to XXXX but somehow it went through. I contacted XXXX and they are not able to get the money back from AE. I have since called the company on nine different occasions asking to have the money returned to me. They repeat that balances left on the card at expiration are forfeited, only this is not the case here. When I explain this to them, they tell me that they are escalating the issue to another department and will be in contact with me but in the month that I have been trying to resolve this, they have never contacted me.
Consumer complaint received 2023-09-22
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. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MI)

Chase will not allow me access to our account until I accept their XXXX  page " Digital Services Agreement ''. I do not have the time to review a XXXX  page document. 
I need access to our accounts- there are several business accounts tied to me, I can not just blindly " Agree '', which by the way they don't give you the option, you have to agree or you get signed out of your login. I don't know what fees they're going to try and start charging or changing... This is so not right.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX XXXX 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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX XXXX 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 2024-08-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a charge account opened at XXXX XXXX opened XX/XX/XXXX under the account number XXXX, an secured loan account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX, an secured loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX. Theses accounts have resulted in several fraudulent hard inquiries and collections appearing on my fraudulent items be removed from all reports These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-09-22
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. (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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

VERIFIQUE THESE ACCOUNTS, IS NOT MINE XXXX XXXX XXXX - XXXX XXXX - XXXX IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/31, my debit card was stolen and two unauthorized transactions occurred from XXXX. The first transaction was for {$2.00}, and the second was for {$200.00}. As soon as I discovered the theft, I contacted my bank and took out a claim. They refused the claim, so I contacted them and started a second claim. This one was also refused.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have had my capital one silver credit card for almost 2 years never had an issue with it. I then got the venture one credit card from them and for some reason on the app it kept setting up auto pay. I always make my payments I make multiple payments a month to my credit cards, but the venture one card kept taking auto pay from the wrong account. I corrected the issue multiple times on the app and it still did it three times I went and fix the correct account and tried deleting the auto pay and it still kept doing it on the app yesterday I made a payment to capital one for {$300.00} on my silver card and they took the payment every single time I make a payment on my silver card. The payment always clears. Theyre saying they decided to close my account because of history of return payments. I only had a return payment on the other card to venture one card and it was because of the auto pay malfunction and I tried to explain that to them other than that I am always making payments on time. Im always always making payments with my quicksilver card. I use it for everything and Im making multiple payments a week on that card because I use it for everything. I need these cards, reopened the customer service. They couldnt give me a straight answer on to why they closed it and they took the money out of my account for the payment I made yesterday and every time I called the customer service theyre not giving me a straight answer and Ive told them about the issue with the app on the phone and how it keeps pulling out of the wrong account and now the app keeps glitching. It makes no sense because I dont have that problem with the silver card the silver card anytime I submit a payment it submits correctly, and I have the auto pay turned off for a reason for some reason the venture one kept turning the auto pay back on, and I explain this to them and theyre still keeping my credit cards closed. Its not like I have missed a payment its not like I dont pay them. I always pay my credit card every month they get the money and now they just close my credit cards out of nowhere its going to affect my credit score is going to ruin my life and meanwhile Ive been trying for years to get my credit on track to get my life on track especially recovering from XXXX and all the struggles I went through and XXXX and losing my job. Im trying so hard to get on track and they just gon na close my credit cards for a stupid reason for an issue with their app and they dont even want to help me and they dont wan na give me a valid explanation.