davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Experian- Look how inaccurate they are. Very strange they dropped my score XXXX XXXX for NO reason at all!!!!! And still reporting inaccurately. I filed a dispute with yall and the next day less XXXXXXXX XXXX no reason at all or explaining. They still are reporting accounts not open, cards that I was an authorized user in that were closed 8 months ago- they are dropping my score every week no reason at all - please investigate them Im about to file with the court- they have a 2014 Bankruptcy reporting when it was suppose to be off - numerous inquires not authorized. Saying Im over 110 % on a closed card through look at attached. Its ridiculous
Consumer complaint received 2021-11-10
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (IL)

A place in XXXX Illinois called courtesy loans close their doors one day on a Friday. They were bought out by world finance. Courtesy loans never sent their customers any kind of paperwork who bought the company they didn't send me or anybody else anything and we had no idea who to pay the loans off to couldn't get a hold of anybody cuz the place closed their doors courtesy loans did and all the sudden it pops up on my credit report well I've told XXXX XXXX and XXXX about it I have sent disputes I have done all that and nothing changes but it still has drug my credit score down and I didn't even know who to pay or anything until it was already too late They already had they were already on my credit report
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I recently reviewed my Credit Profile and see numerous unauthorized inquiries and accounts. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.
Consumer complaint received 2021-11-10
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: Flagstar Bank, N.A. (TX)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the Credit Bureaus. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, the Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below is the account that is still reporting on my account : FLAGSTAR BK XXXX Balance : {$0.00}
Consumer complaint received 2023-09-25
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. (GA)

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  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXXXXXX XXXX Account Number : XXXX ======================================== Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ====================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE (NY)

XX/XX/XXXX, per the card holder agreement, I submitted the fraudulent activity to BNY Mellon in writing with all unauthorized transaction highlighted. BNY Mellon received the documents XX/XX/XXXX ( see attached letter and proof of mailing ). 

XX/XX/XXXX, per the card holder agreement, I resubmitted the fraudulent activity to BNY Mellon in writing with all unauthorized transaction highlighted. The letter provided my email as a form of contact, so we could setup a time to speak. ( see attached letter and proof of mailing ). 

XX/XX/XXXX, I received a letter from BNY Mellon dated XX/XX/XXXX indicating they could not reach me via phone and therefore closed my case. The letter provided the agents phone number. ( see attached letter ). 

XX/XX/XXXX, I called the agents number listed on the letter received 7 times and left numerous voicemails. I also called the BNY Mellon number listed on terms of agreement and requested fraud claim be reopened and for another call back. I then researched other corporate numbers for BNY Mellon and made numerous calls to regarding this fraud. See phone records attached. 

XX/XX/XXXX, increasingly frustrated I could not get in touch with a fraud representative, I sent another letter regarding the fraudulent/unauthorized activity and demanded an investigation. ( See attached XXXX  label/Receipt ). I also sent a copy of letter mentioned above to the return address on the letter received XX/XX/XXXX. 

XX/XX/XXXX, I submitted complaint to CFPB, which included all the unauthorized transactions ( see attached ) XX/XX/XXXX- BNY processed PART of the claim and I was refunded a partial amount XX/XX/XXXX- I informed BNY Mellon that only part of my claim was processed and relisted all transactions for easy reference ( see email attached ). 

XX/XX/XXXX- BNY Mellon confirmed they were processing the remaining transactions ( see email attached ).

XX/XX/XXXX-To date, BNY Mellon has not responded or processed the remaining portion of my claim. My attempts to reach out via email and phone have been ignored. BNY Mellon is in violation of regulation E.
Consumer complaint received 2021-11-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: REGIONS FINANCIAL CORPORATION (AL)

On XX/XX/2021, I initiated a consumer credit transaction with Regions bank using my credit card as defined in 12 CFR 1026.2 and 15 USC 1602 ( i ). To my surprise I was denied my credit. Credit is a right as defined in Truth in Lending and to deny me my right because I in good faith exercised any right under the Consumer Protection Act is prohibited and discrimination which is a violation of 15 USC 1691 ( a ) ( 3 ). The inquiry on my consumer report and denial email is proof that a transaction occurred. A transaction was completed using my credit card and I never benefited from it, another violation of the Truth in Lending Act 15 USC 1602 ( p ). According to Regions Bank I was denied because of a credit score. Pursuant to 12 CFR 1002.0 ( b ) ( 2 ) I can not be denied because of company policy or because of a credit score. This discriminatory act taken against me has caused me XXXX XXXX  confusion, bouts of XXXXXXXX XXXX XXXX nights, and early XXXX XXXX from the XXXX.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. ()

Before the state of Michigan was closed due to the pandemic caused by COVID-19, every financial obligation I had was paid on time as my credit records reflect. However, during the pandemic, no one was working and afterwards because of health complications ( XXXX, XXXX, XXXX XXXX ), my physician ordered me to refrain from working due to concerns about contagion as I am XXXX and my profession is XXXX. 

I paid all debts as expected during the pandemic except unsecured credit cards. I sent letters to all creditors in this group explaining my situation and requesting forbearance or settlement of the debt at a lower amount. I settled 4 debts. Two refused a settlement and sent my record to collections.

My current issue that is unresolved : Despite paying my debt obligations on time every month-religiously, my credit scores continue to fluctuate. One day the amount is XXXX, the next day, it drops to XXXX or something like this every day. I am monitoring it because I will be moving and will need an accurate credit score reflecting my history of paying debts. 

I have tried credit repair bureaus and have sent numerous documents to all three credit reporting bureaus that included-in the case of XXXX  XXXX credit card-proof that we settled the account, but somehow incorrect or punitive information is reported about me and threatens my ability to lease or purchase a home.
Consumer complaint received 2023-09-25
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. (NC)

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 2021-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been disputing the following account : XXXX XXXX Account Number : XXXX On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I can still see it in my credit report. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. Misleading False Reporting : This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I sent a mail regarding identity theft and fraudulent accounts on my credit and i got a mail 3 weeks later from XXXX stating that " i was not the one who sent that mail ''. I feel as though this is ridiculous. I spend my weekend gathering all the documents to receive a mail like that. I am extremely upset. I have been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license and social.
Consumer complaint received 2023-08-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America continues to report an account that I previously disputed.The account number # XXXX shows on my XXXX credit report as a charge off.Bank of America has received the tax benefit of the charge off, yet is still reporting it.A 1099 C means that the debt is distinguished.Some courts have found that it is unfair ( inequitable ) to allow a creditor to belatedly enforce an alleged debt after it has received a tax benefit which makes it unfair to allow the creditor to enforce it's claims against the debtor.Bank of America also took over {$14000.00} from my bank account ending in # XXXX, while the alleged debt was in dispute status.XXXX can not verify this debt, Therefore it should be removed immediately.
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: The Best Service Co.,Inc (CA)

The basis for my dispute previously was to let The Best Service Company know this account with them was opened fraudulently & have asked to cease reporting from all major credit bureaus & cease collection efforts. The Best Service Company then sent a letter asking to provide them with any documentation to support my claim. And would still violate my consumer rights I report this fraudulent trade line to all 3 major credit bureaus. Attached to this complaint is a copy of my Federal Trade Commission Identity Theft Affidavit as theyve requested from me.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (VA)

Comenity bank has the same account on my report twice. This new account just showed up on my report with the same dates, the same amounts, and the same company. This is hurting my credit report tremendously.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX has re aged my account by reporting the payment history false and the credit bureaus never verified it its an illegally tactic they have use on experience the was supposed to fall off on XXXX in the status section on XX/XX/XXXX but they updated there info to XXXX and trans union and they didnt verify I have proof of an old report from XXXX I spoke to them but they have block my calls which is sad and unjust I have submitted Report # XXXX dated XX/XX/XXXX and clears shows the payment history of XX/XX/XXXX as co and XX/XX/XXXX last payment on the payment history made XX/XX/XXXX compared to the reaging that shows payment from XXXX totally illegal and status of this account is schedule to continue on record until XX/XX/XXXX Has magically disappeared please help this fraud
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello There is a lot of incorrect information showing on my credit report and after investigating I was able to confirm that I had the right to send my complaints via letter to the Credit Bureaus, well I must say im not happy with the way this has been handle since I always try to get in touch and I either get ignore or adviced that there will be an investigation open and no result its provided, its been months since i've been waiting for an answer.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (NY)

NCB MANAGMENT SERVICES XXXX XXXX XXXX XXXX PA XXXX My Account was closed by XXXX XXXX XXXX XXXX then reopened with NCB management, My payment history is incorrect, therefore damaging my credit score
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I have notified XXXX, Equifax and XXXX several times regarding the XXXX XXXX account. XXXX XXXX is refusing to discuss collection for XXXX account or accept any payments from me stating they are no longer handling account it is with a 3rd party. The is no other company reporting this account to my credit report, only XXXX XXXX. I have attempted several times to resolve this account with XXXX XXXX with the latest being today XX/XX/2021 at XXXX eastern, I spoke with XXXX whom once again refuses to discuss account, accept payment or even send a current dated bill for the balance owed. I have recorded conversations of XXXX XXXX refusals. I have filed several disputes advising XXXX, XXXX and Equifax of the issues with XXXX XXXX and the recorded conversations with contact information to reach me to hear them. All 3 continue to close my disputes stating they verified account details without investigating the issue Im disputing. XXXX XXXX should not be allowed to remain on my credit report if they are refusing to discuss account, accept payment for account or even send me a current bill for account. At this point Im ready to get a lawyer and sue XXXX, Equifax, XXXX and XXXX XXXX because Ive tried for several months to resolve this myself to no avail.
Consumer complaint received 2023-08-17
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)

For the last 8 months I have had constant issues with Experian merging my credit file with someone else. I spend about 2 hours a day on the phone disputing items. Yesterday XX/XX/2023 I called Experian to dispute inquires on my credit report that were fraudulent and to ask them about my credit score. So an hr after the dispute request I received and email stating my dispute results were ready. When I logged into my Experian Credit Report Experian added {$89000.00} of fraudulent debt to my report. 20 different names, 34 new address which were in various states throughout the United States and 30 new inquiries. Experian destroyed my credit. I now no longer qualify to purchase a home. I have suffered XXXX  XXXX and XXXX because of these constant issues. Now Im being told that it can take 30 days for an investigation. I called this morning XX/XX/2023 to make sure all items were being disputed correctly and was transferred to the specialized department. A man who kept talking over me stated that I needed to send in my social security card, drivers license and proof of address. I explained to him that I did. He didnt want to listen. I told him if he checked his system he would see I uploaded my documents weeks ago and sent documents via certified mail. I was placed on hold then I was told that their system has a conflict in social security numbers and names and that at this point the social security administration would have to provide something showing my social security number was issued to me along with the same documents my ID, social security card and proof of address. So now Im being told I cant dispute anything off my credit and no one can help me. I am mentally tired I spend a minimum of 1-2 hrs almost everyday trying to correct my credit with Experian.
Consumer complaint received 2021-11-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent letters on XX/XX/2021 about inaccurate and unauthorized items on my report. Over a month has passed and I have not been sent any paperwork about the reporting. Please reach out to them and have them respond with factual information other than just saying verified without providing proof.
Consumer complaint received 2021-11-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.