davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
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: Experian Information Solutions Inc. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-06-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

In XXXX and XXXX of 2021, I filed a dispute with Experian and XXXX credit bureau about the unverified accounts XXXX XXXX XXXX Account number XXXX and XXXX XXXX  account number XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved for FCRA non-compliance and because I have not received a response from this company about these 2 unverified accounts as of today Which is a violation of the Fair Credit Reporting Act. These collection agencies are supposed to notify me of their investigation results within 30 days.. Thank you
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (TX)

On XXXX, I opened an account in BBVA. I never received the debit car even though I requested it three times. On XX/XX/XXXX, I asked they send it directly to the bank so I could pick it up later because I was going to be out of the US for several weeks ; however, they never gave it to me. Starting on XX/XX/XXXX someone withdrew money from my account for an amount of {$6800.00} dollars, and I realized that until XX/XX/XXXX. I opened a dispute with BBVA, since I never received the debit card, for an investigation on who and how my money was stolen and I sent documents proving that I was not in the US at the time ; but the bank hasnt done any real investigation on the matter and they simply refuse to give me my money back. Since the beginning, this bank has continuously made mistakes because of their poor security and investigation processes and they wont own their mistakes. Ive had to open 5 different disputes and they are not interested in resolving the issue. Because I, being the victim, have been treated as the aggressor ; and it is a totally unfair and irresponsible conduct.
Consumer complaint received 2021-07-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 they received on the letter on XX/XX/2021 regarding inaccurate and unknown thing reporting on my credit report, To this day I have not received a response yet. I feel like I am being taken advantage of as a consumer with my rights and ignored. Section 611 ( a ), it is plainly states that a failure to investigate this items within 30 days gives a reason to immediately remove those items within 30 days. They should have been deleted promptly. I sent a second letter on XX/XX/2021 they received it on XXXX demand this account be deleted immediately and sent them proof of the credit report agency reporting inaccuracy so therefore this was not properly verified, the Credit Reporting Act requires that inaccurate information be properly removed. or I will file litigation due to the stress you have caused me. Everytime I call TransUnion they tell me a different date that it was received. I mailed them a second letter asking a again to delete this unverified account. I spoke with XXXX XXXX on XX/XX/2021 with transunion he stated that the investigation is still pending, it has been over 30 days the certified
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (MD)

I am formally submitting a complaint to state that SunTrust Bank 's failure to capture my last payment of {$1500.00} in bank error is causing me financial constraint. The payment which was sent was to payoff and clear the remaining balance on my auto loan ( with a total loan value {$51000.00} ) was properly submitted by me on XX/XX/XXXX It is on record that I successfully paid SunTrust {$25000.00} on XX/XX/XXXX, to which the payment cleared, and made another payment of {$25000.00} on XX/XX/XXXX, to which the payment cleared, as it was my intention to aggressively paying off the loan. The teller who took the last payment of {$1500.00} on the XX/XX/XXXX made a mistake which resulted in in a bank processing error. The last payment was made and processed in the amount of {$1500.00}. As a result SunTrust released the title of the vehicle, and released themselves as a Lienholder meaning the car was paid in full. ( I currently have title on hand ) On XX/XX/XXXX, during the process of my home purchase, through the process of credit check, I was notified that SunTrust had incorrectly reported a 60 day late/derogatory mark on my credit reports with an outstanding balance of {$1500.00}. On XX/XX/XXXX, I called for an explanation from the bank, to my surprise, a past due balance existed which should have been applied to the account. I even agreed to pay the balance to help rectify the error to which they said they would correct. It is clear, that by the title being released and lien being released. The information was correctly processed by me. 

I spoke to XXXX. XXXX XXXX, XXXX XXXX and including XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Branch. I was transferred to different agents and that did not assist me in getting this unfair error on my account resolved which resulted in not only in an unfair, unjust and incorrect reporting of a 60-day late payment to my credit files with XXXX, XXXX and XXXX. Im requesting you to handle this as per my rights under state and federal laws that protect me as a consumer. I want to make it clear that Im not making this request an error. My information was incorrectly reported which is why Im writing you for a resolution. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 

Kindly, under the Fair Credit Reporting act, verify and correct the reporting of the SunTrust account listed on my credit report. Please resolve this error by removing the 60-day late payments from my credit report as well as update the account into the correct status of positive payment history and notify me of the correction
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OR)

XX/XX/2021 I tried to access equifax.com because of possible fraud alert from my employer. The website rejected my attempt to create a new account because supposedly I have an account already established. Using my current email address I requested a new password, and I entered the access code they sent to my current mobile phone. Despite several careful tries the site repeatedly denied access because my info didn't match their records. 

Then I called their customer service, went through all the menus to get to the get-help-other, including giving my name, DOB, SSN, and phone #. This just got me to another automated message which said my info didn't match, and it hung up on me. Second try again didn't allow any way to request to speak with a live person. 

Next I returned to the website to try to email customer service, but this kept booting me back to the FAQ page.
Consumer complaint received 2024-09-23
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. (OH)

I would like to dispute the following items on my credit report. 

Equifax : Bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-06-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I got this account that does not belong to me and i want it to be remove from my credit report. 


1. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

On XX/XX/21, XX/XX/21, XX/XX/21, I sent letters to the credit bureaus about inaccurate information being reported on my credit profile and till this day over 90 days later I have not received any type of response from the bureaus. The bureaus are ignoring me and taking advantage of me. To my knowledge there is a code Section 611 ( a ) that states that a failure to investigate these items within 30 days give a reason to immediately remove the items that I am disputing from my credit report.
Consumer complaint received 2024-09-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX is reposting in my Equifax credit. I have requested information from the company. That I have not received. I believe this medical billing item is incorrect I would like to assert that the presence of this medical billing on my credit report violates my rights under the Health Insurance Portability and Accountability Act ( HIPAA ). HIPAA mandates the protection of an individuals medical information, and it restricts the disclosure of such information without explicit consent from me. Therefore, the reporting of this item raises significant concerns regarding the disclosure of my private medical information and my privacy rights.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION (CA)

The Navy Federal App shows that I have open to buy. Yet, my statement shows nothing open to buy. Navy has no answer as to why there is a discrepancy. Considering more people are using apps instead of a desktop/laptop, one would expect consistency. Technically the app is showing me incorrect information. Also, because Navy didn't like my credit score when the card was due to be reissued ( score much higher now ), there was no new card reissued. I can't set up payment reminder alerts either so is Navy hoping that I'll forget a payment?? It appears that way. My spouse has had the same issue as I with Navy Federal.
Consumer complaint received 2021-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP (WA)

My husband and I noticed that our bills where not being paid also late fees were doubled and there was a shadow account charging our account we had XXXX that was deposited into our account, this was money awarded to my husband from the VA, we tried to square things out with Key Bank but they refused to help us and even called the police on us. Moreover, we are fed up there was XXXX dollars the bank allowed someone to withdraw from our account. In ending, when we tried the go over our account with the bank they simply avoided us.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Paypal Holdings, Inc (PA)

Hi my name is XXXX XXXX, my DOB XX/XX/1966 My address is XXXX XXXX XXXX XXXX pa XXXX My XXXX XXXX XXXX  card no : XXXX I have a vacation in Hawaii so I don't know who using my Paypal to buy something at XXXX XXXX with the amount XXXX $ but not in my area. I called for the PayPal service and they try to figure out and respond as soon as possible. But I want to alert you guys please, check my bank account, and its transaction still pending. Don't let anyone push into my card. Thanks. I will close my Paypal after you guys solve this issue. I am afraid to add any bank to Paypal. XXXX so noise my vacation. Please help me cause I don't have time to confirm and call back again while I enjoy my days.
Consumer complaint received 2024-09-23
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: EQUIFAX, INC. (CA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Inconsistent Payment History Reporting : The payment history for this account is reported inconsistently across the three major credit bureaus. For instance, XXXX, Equifax and XXXX show 30 and 60-day late payments for the same time period. 

On-Time Payments : I have attached bank statements and payment confirmations showing that all payments were made on time. The evidence provided contradicts the late payment information currently reported by the credit bureaus. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My payment history on my mortgage is incorrect. My payments started XX/XX/2021, not XX/XX/2021. It needs to be corrected and reflective as 4 payments have been made to the account.
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (CA)

On XX/XX/2021 my card was charged for {$1900.00}. Upon seeing the charge and noticing that my phone or computer was used to make the purchase I had asked everyone in my household about the purchase. I found my ex tennant who rented a room at my home with a computer he had purchased using either my computer or my phone that he had access to. I took back the item and told him to leave my house. Thinking it would be easiest to return the computer I tried to return it at XXXX at XXXX XXXX on febuary XXXX where an XXXX XXXX male claiming he was the manager of XXXX XXXX  would not except the return claiming the computer had missing parts. I originally thought this was a dispute with the merchant as I had the item in hand as I got it back from my tennant who used my card without my permission. After filing a dispute with the merchant I was told it still should be considered an unauthorized purchase. I feel i should be covered no matter how its filed as visa offeres a purchase protection. Im unhappy with the product and dont want it and XXXX did not accept the return, and i also did not make the purchase so its an unauthorized purchase. Based on visas consumner protection i should be covered by one of these as I was willing to return the item but the merchant would not allow it. After 3 months of waiting for an answer and even being told I would qualify for a provisional credit and not getting it and having late fees add up, i was told that i would not be covered by any of the promised buyer protections or unauthorized purchases that visa offers by chimes disputed department. I have provided police reports and small claims reports but they feel no error has been found while i sit short of XXXX XXXX dollars and a computer i did not want. I feel this is in breach of the visa protection they claim they offer.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Consumer complaint received 2024-09-24
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-06-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (OR)

Tried to contact XXXX XXXX/ Loan Care ( XXXX Pacific time ) to get information on applying for forbearance or assistance. Spoke to " XXXX '' On hold for over an hour then disconnected after stating veteran requesting forbearance. Transferred to a message number with no service. Unable to sign in to account online and still on hold with 2 phones and both companies. Unable to retrieve forbearance documents online without signing in, however the system is not recognizing account and will not let us change our password to retrieve or submit the forbearance form due by the end of today. XX/XX/21 XXXX XXXX Pacific time.