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 — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is XXXX 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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

See attached letters with specific reasons for my complaints, but it can be summarized as follows. Each of the companies connected to this complaint are purposely reporting information knowing its false, then verifying its accuracy every time I dispute it.

A credit file can not : 1. Have listing of accounts showing both a charge off and a balance owed. The charge off means the balance is now XXXX or 2. They sold the account ( Which each of these companies has ) meaning I not only do not have access to pay these, I owe them nothing because the account is closed and has not balance Reporting these as balances owed is not just misleading, its false and illegal.
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: LendKey Technologies, Inc. (GA)

Dear CFPB, LendkeyXXXX XXXX XXXX XXXX is not adhering to the protection order for credit reporting under the statute below, SEC4021 Credit Protection During Covid-19. I filed several complaints with CFPB about my forbearance request when I was laid off during the pandemic. No delinquency can be reported to the following credit agencies until after my account 's XX/XX/XXXX due date. 

Credit reporting Were required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX  SEC, 4021 Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ) Please check the official end day of COVID-19 by the XXXX - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2023-09-22
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: 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 2024-08-12
Product: Credit reporting 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: Experian Information Solutions Inc. (CA)

I tried to unfreeze my credit report at XXXX, XXXX, and Experian. In all 3 it was extremely hard because they " hide '' the feature for customers who haven't upgraded to the paid service. I ended up paying for XXXX from XXXX and then spend an hour on tech support chat to delete that subscription. Both XXXX and Experian require persistence to unfreeze credit report. Freezing and unfreezing should be readily available on home page of FREE service. All 3 bureaus purposefully make it difficult in order to up-sale you.
Consumer complaint received 2024-08-16
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have an account with bank of america XXXX  a credit card but my account was scam I reported even that they close my account but the credit card was still open I use it 2 times they declined it on my hands so when i called them they told me to visit the bank I did they told me it's ok and I have XXXX for them on XXXX but as they flag my social I can't open a new account so I try to pay this bill 3 times and I go to the bank they told me I need an account on my name to pay this bills without my permission I received a letters they closed my credit card
Consumer complaint received 2023-11-02
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: Experian Information Solutions Inc. (GA)

XXXX never gave me a chance to settle, cure the debt before reporting to all three major credit bureaus. 
Causing a negative impact to my credit score, dropping score XXXX points I had an exceptional pay history of over eight years never late never missing a payment on all three credit bureaus, XXXX, XXXX XXXX and Experian. I was never notified that. 
the account was sent to or transferred to collection. Account was paid in. 
full and closed, because I moved, and XXXX services was not in the area for service I had moved from Delaware to Georgia XXXX miles I haven't had time Or reason to check any email Especially from a bill that I assume was paid and closed. I found out through credit reporting product, that I paid for each month alerting me that my credit score has dropped XXXX points. XXXX failed to give written notice of the debt and fell to validate the debt when requested. After filing a dispute with Experian credit reporting agency, they fell to remove the collection off my credit file, which will stay on my credit for seven years.
Consumer complaint received 2023-11-02
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: Experian Information Solutions 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 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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-31
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY (CA)

TD Bank is the financing company for XXXX. I purchased a phone using XXXX XXXX through TD. The phone was to be picked up at XXXX XXXX. I didn't pick it up because I decided to return it. XXXX received it back and credited me for the full amount. Somehow, TD is claiming that the full amount wasn't credited. XXXX sent me evidence that it was and stated it is TDs fault. So I am being charged monthly for this erroneously.
Consumer complaint received 2023-07-17
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. (FL)

XX/XX/23 I reached out total ( 3 ) Bureaus advising I am a victim of identity theft and to remove the accounts as they were obtained or opened without my consent. I also sent my verifiable documents and police report. I have yet to hear anything back and its over 30 days.
Consumer complaint received 2024-08-13
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. (CT)

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 XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2023-07-17
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)

I have not given Experian written instruction/permission to report the adverse account status of XXXX, XXXX XXXX, Charged off as bad debt Profit and loss-write-off. Also, remove all late payment, and charge off information from payment history. In accordance with U.S.C Title 15 1681b. ( a ) ( 2 ) I very respectfully place Experian on notice that your agency may not furnish any adverse status information pertaining to XXXX XXXX ( ACCT # XXXX ) pursuant to U.S.C Title 15 1681c. 

I very respectfully Experian on notice that status information of Derogatory, Collection/Charge Off, Charged off as bad debt Profit and loss-write-off, pertaining to XXXX XXXX ( ACCT # XXXX ), is in fact adverse pursuant to U.S.C Title XXXX XXXX ( G ) ( i ).
Consumer complaint received 2020-06-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (PA)

Hello, My wife and I recently refinanced our mortgage through Mr Cooper. At the time of our application we had a rate lock at 3.125 % Everything went smooth but took a long time but that wasn't an issue with us. The day or two before we were to close on the mortgage we got some documentation that said our rate was 2.250 %. I called and talked to our rep. ( XXXX XXXX ) and he told me the rate was changed approximately two weeks after we locked in our rate. He had no idea why it changed. He also told me to correct it we would have to wait for the loan to go back through the entire underwriting process again. we told him to proceed with the closing because this was taking a long time. I then called the person who started the process XXXX XXXX XXXX ) and she said that it would have only delayed the closing a day or two. I realize that .125 % doesn't sound like much but we will be paying more than we should every month for the next 15 years. The rate was changed without our knowledge or consent. The additional payments will total about {$1900.00} I called and talked to XXXX and XXXX and was told someone would get back to me but never did. Their contact info is XXXX-XXXX and XXXX 's is XXXX ( XXXX ) We feel that changing our rate without any consent or explanation is not only unethical but also illegal.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MO)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2023-08-22
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. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance Owed : {$520.00}.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

This is an investigation that includes additional supporting documentation. I also have an attorney looking into this matter, and will be providing additional supporting documentation requesting that these items be removed from my credit reports in four business days. I have had a data breach issue and trafficking, all legal documents and proof of sworn affidavits have been given to Equifax and they have failed to comply with removal of all items within the four business days.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is my follow up Complaint about the negligence of the Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the account which was erroneous and unverified. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate account that I want them to correct : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00}.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, 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. (CT)

My information was breached and hackers have tried to open bank accounts under name, tried to get car and personal loan. This issue has been reported to the local police of XXXX, CT and to the XXXX website. My information was hacked in the following breaches : XXXX breach in XXXX XXXX in XXXX XXXX in XXXX XXXX XXXX
Consumer complaint received 2020-06-15
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a capital one credit card with a {$10000.00} limit. I made an overpayment of {$7700.00}. The company has refused to allow the overpayment to go toward my credit limit and allow me to make the charge. 

This company is refusing to allow me to spend the money on my account which I overpaid to them. They are not taking a greater risk. The paid amount is only about 1/2 of the credit limit they have given. 

When an overpayment is made, a card purchase limit should increase to include the overpayment.