davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$610.00}
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XXXX XXXX, Bank of America closed my Mastercard ending in XXXX. 

On XXXX XXXX I received an email notifying me of the closure. No reason was given for the closure. The email stipulated an adverse action letter would be sent and include the reason for closure. The email itself does not meet the disclosure requirement of Regulation B for adverse action notification under the ECOA. 

On XXXX XXXX I called Bank of American and spoke to XXXX and XXXX XXXX ( XXXX ). XXXX advised the closure reason was due to my credit score. XXXX XXXX, a manager, disconnected the call and did not call back. 

On XXXX XXXX I again called Bank of America and spoke to XXXX, XXXX ( XXXX ) and XXXX. XXXX identified as a supervisor and XXXX identified as a manager. 

I reiterated my XXXX XXXX request to reopen the account. I advised XXXX I was amenable to a credit review for this purpose. I advised all three that no adverse action letter had been received. XXXX advised that her account indicated none had been sent to date. My address was verified. It has been unchanged for 22 years. At XXXX XXXX disconnected the call and did not call back. 

It has been 22 days as of today since account closure and I have not received an adverse action letter. BoA agents indicate none has been sent to date. I anticipate BoA will violate Reg B. 

I am seeking resolution by reopening the account. I value the account as the oldest account on my credit bureau. This impacts the average age of credit and in turn my FICO 8 score. 

I recommend an investigation into Bank of America 's compliance with the ECOA Reg B as it regards the bank initiated closing of accounts, adverse action notification and the required disclosures of adverse notifications.
Consumer complaint received 2020-08-05
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$740.00} XXXX XXXX   XXXX $ XXXX XXXX {$1100.00} XXXX XXXX XXXX {$430.00} XXXX
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (KY)

On XX/XX/XXXX I went to a XXXX store and canceled my internet service plan successfully and verified with the staff that the internet service account is closed on the site with {$0.00} balance. However, later my credit card on the file was charged for the full payment of {$64.00} for the billing period of XX/XX/XXXX - XX/XX/XXXX of XXXX. I disputed the charge with the credit card company, which is Wells Fargo & Company, stating that the full amount charge was incorrect as the internet service account had a balance of {$0.00} at the time of close, and I wasn't given an option of keeping to use the internet service from XX/XX/XXXX. The credit card company, Wells Fargo & Company, resolved the dispute in merchant 's favor, stating that I am responsible for the full charge of {$64.00}, because I did not cancel the reoccurring charge, which is the auto pay feature I set up for the internet service plan, despite of the fact that XXXX informed of account balance of {$0.00}, and the fact that I wasn't able to use the full service for the billing period of XX/XX/XXXX - XX/XX/XXXX of XXXX. On the last phone call, I informed the credit card company, Wells Fargo & Company, that I should not be responsible for services billed but not received, and that XXXX should be responsible for false information, if I still owed money at the time of close, XX/XX/XXXX.
Consumer complaint received 2020-08-05
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. (MI)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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.

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 2020-08-06
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. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 
XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-06
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$430.00} XXXX   XXXX {$1000.00} XXXX, XXXX  XXXX {$240.00} XXXX  XXXX {$740.00} XXXX/XXXX  XXXX {$460.00} DPT ED/XXXX XXXX {$450.00} DPT ED/XXXX XXXX {$21000.00} USDOE/XXXX  XXXX {$420.00}
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

I'm working through Chase Bank to refinance my house through them. I received a loan estimate for 30 years at a rate of 2.125 % from them. When I spoke to their loan officer the offer was 3.125 % and not what they send me in writing. I spoke to his manager and he couldn't help and called it a technical error. I call it a bait and switch tactic that shouldn't be used on potential customers. They sent me a lower rate and then said this was never available. When I tried to meet them in the middle they didn't try to help me.
Consumer complaint received 2023-09-25
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. (NY)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (FL)

In XXXX my stimulus payment was deposited into my brinks mastercard account. they end up closing my account. i was told they returned the money back to the IRS in XXXX, XXXX i contacted the IRS filing paperwork and forms trying to recover my funds.Come to findout this year XXXX, XXXX XXXX XXXX still had my money. i contacted brinks they said 10 business day i would have it. 10 days came and went i called them they said IRS had a hold on the funds. I immediately called the IRS they said that was not factual. i called brinks back and told them about my conversation with the IRS and they said they would mail my funds to me. 10 days later no funds returned to me. i called brinks they said they sent my money to the IRS on XX/XX/XXXX direct deposit. i called the IRS they said they had not recieved my money. The IRS told me wait till XX/XX/XXXX. I called and foundout brinks still had the money. i have called brinks multiple times since and have gotten a different story every time. i have recorded conversations with supervisiors making unfactual statments and admitting to do nothing but lie to me on the phone. i am being now told they sent {$600.00} of my {$1400.00} stimulis payment to the IRS and the {$750.00} would be released. Everytime i call now they sayits being processed and sent. when i dont get it i call back and am being told the IRS is reviewing it again that they stopped the process. i cant take this anymore i dont know what to do. im fustrated i have been diagnosed with XXXX and XXXX and this situtation is really messing up my mental state of mind. please help with this situation.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. Please remove these accounts ASAP.
Consumer complaint received 2023-08-15
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)

I have submitted my first round of dispute letters on XX/XX/2023 and I have not received any formal response from from any of the XXXX bureaus. When I pulled up my recent credit report, the items disputed were still there. My personal information is incorrect, and accounts on my credit report are still showing inacurate reporting. Please help me get these accounts deleted.
Consumer complaint received 2020-08-26
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: CAVALRY INVESTMENTS, LLC (TX)

On XX/XX/2018 Cavalry Portfolio Services added a derogatory mark on my credit report profile per the credit report on XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debt collector did not verify the collection. Also, there was no written form of communication for contract or signature for this accused debt.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

After several months of disputes with the Experian there appears to be a deliberate refusal on their behalf in removal of identity theft related accounts that have been reporting on my credit file. These accounts were not opened or established by myself. I have sent in several pieces of supporting documentation but yet Experian continues to report these accounts on my credit report. I've never owned any credit cards with XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX. I've reached out to the creditors and was informed to contact each consumer reporting agencies for a dispute. I also sent in and identity theft affidavit from the Federal Trade Commission report # XXXX which included the accounts listed above. I am aware anyone or individual with my personal information such as name, address, and social would be able to easily impersonate myself and open accounts under my name given the automated verification or e-oscar data furnisher system only verifies such personal information and nothing physical is ever obtained. I have been denied credit and this has caused a significant hardship financially and Experian should be held accountable.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I requested a method of verification to Equifax about a Bankruptcy that was on my credit report they had on my file on XX/XX/2020. I sent the letter certified and had it notarized which I have records of. They retrieved it on XX/XX/2020 signed by XXXX XXXX. They sent me back a report on XX/XX/2020 saying they had verified it validity through a company called XXXX XXXX. It says that on the report they sent me back. So, I sent a method of Verification to XXXX XXXX on XX/XX/2020 requesting the method of verification from them. Which they replied they verified it with the Us Bankruptcy court. I also got a letter form the Bankruptcy court saying they do not verify information with 3rd party Credit reporting Agency. Which I mailed to XXXX XXXX and a letter saying that three must have been an error. I sent XXXX XXXX a direct letter asking them to verify with whom they got this information from. On XX/XX/2020 XXXX XXXX sent me a response back saying they removed the Bankruptcy from there data based they had on me. Which I have records of. Then I sent a copy of the removed Bankruptcy and a letter to Equifax, and XXXX showing that XXXX XXXX had removed the bankruptcy form my credit file. I asked both Equifax and XXXX how could you have verified it with XXXX XXXX if they removed it from my file. I explained to them they can not just PARROT information they have to do a complete investigation. You can not just use the E-Oscar system with a 2-digit code. Then reply you have verified it with the Credit Reporting agency. Equifax sent me back a response on XX/XX/2020 they had verified it through XXXX XXXX and that it would stay on my credit report. Which is complete nonsense. It had already been removed from XXXX XXXX. Which proves they did not even look at the paperwork I sent them showing the Bankruptcy was removed from XXXX XXXX which they claimed they verified it with them. This is a direct violation of the FCRA under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) under Section 611 ( 5 ) ( A ) of the FRCA they must promptly remove all information which can not be verified. How can they verify the Bankruptcy when it was removed from the company? They claimed they verified it through on XX/XX/2020.This is hurting my ability to obtain credit and buy a house while making it impossible to get the credit I deserve. Causing me and my family financial hardships. This is un-acceptable and they should be held accountable for there actions.
Consumer complaint received 2020-08-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

A company called XXXX debt collectors has repeatedly called me stating that I owe money to a doctor I saw in the hospital. I tried to look up where this doctor practices since I have never once received a bill from there office. I tried to reach out to the hospital I was seen at to see if they had the offices information. They number they had on file was for a practice that he does not work at. I tried to look online and it states that the office he works out of it Permanently closed. I told the representative from the collection agency that I have never received a bill from the doctor of them. I asked for information on the doctors office so that I could reach out to them but they stated that they dont have any of this information. They were very rude on the phone and kept talking over me. They repeatedly call Atleast once a day. I finally picked up about a week later and I got the same answers and the same attitude from another employee. I work in a XXXX XXXX doing XXXX  and I know how it works, if a XXXX  calls and asks for the XXXX  information they are more than willing to give that information out. As well, when I look up the collection agency all the results are stating that this is a scam.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a credit card with XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  / XXXX  is reporting this as a Charge Off in XXXX. I have letters and statements from them stating that it had a XXXX balance as late as XXXX!!! How can it be late or have a Charge Off if it has a XXXX   balance? 

XXXX  and XXXX XXXX have refused to correct this error. I have disputed it numerous times. But XXXX  and XXXX XXXX  have refused to correct the error. 

I am attaching a letter with a copy of the statement showing a XXXX balance sent by XXXX   / XXXX XXXX date XXXX. This should serve as proof of the mistake by them.
Consumer complaint received 2020-08-06
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 
XXXX XXXX XXXX XXXX XXXXXXXX